23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My mortgage account with Mr. Cooper collected County Taxes 2 times in XXXX instead of 1 time. On XX/XX/XXXX, Mr. Cooper sent {$3.00}, XXXX to XXXX XXXX County. On XX/XX/XXXX, Mr. Cooper sent {$3.00}, XXXX to XXXX XXXX XXXX. In XX/XX/XXXX, a check from XXXX XXXX County in the amount of {$3.00}, XXXX was payed to Mr. Cooper for over paying the taxes in XXXX because they paid it twice. Mr. Cooper did not return the taxes or the Escrow account. It is XX/XX/XXXX and my escrow account still isn't adjusted/ money has not been returned to my account. This caused my mortgage to go from {$1700.00} to {$1900.00}. A difference of {$190.00} every month since XX/XX/XXXX. That is twelve months of over paying the mortgage payment since it is XX/XX/XXXX. Tax form 1098 from 2020 showed I payed property taxes in the amount of {$6.00}, XXXX. I have called the customer service number five times and spoke to the customer service and chatted online with Mr. Cooper and nothing has been done. My daughter called and spoke to a supervisor, XXXX XXXX in the Executive Resolutions Team on XX/XX/XXXX. Ms. XXXX tried to say it was an payment for XXXX. I had the account open and it showed I paid the taxes in XXXX. She walked that back. She found that XXXX XXXX County sent the check back for double payment in XX/XX/XXXX. She said she would escalate the situation to XXXX who handles the taxes for Mr. Cooper. She sent an email to confirm that on XX/XX/XXXX after speaking to my daughter and myself. She said it would be resolved in 9 days. Left a message on my home answering machine on XX/XX/XXXX stating it was being processed. On XX/XX/XXXX I got an email from Ms. XXXX stating she was still waiting for XXXX to get to her. I wrote her back in frustration but stayed respectful. I have heard nothing. My daughter left a message for Ms. XXXX on XX/XX/XXXX letting Mr. Cooper know that we were making a complaint. For over a year, we have tried to get this resolved. We need help. My wife has XXXX. I am busy from morning to night. We have a lot of medical bills to pay. This situation is unconscionable and illegal. I am unable to refinance at a much lower interest rate until this issue is resolved.
Product: Debt collection

Called me at work and cellphone threatened me that I need a lawyer and I dont have any idea of debt, said I could go to jail cuz I borrowed money on fraud, was very rude and aggressive
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Capital one has been harassing me with repeated phone calls, the last call was made on XX/XX/2021 that was 39 minutes long. I recorded the whole call and the guy I was on the phone with has submitted a complaint on the harassment that I have been receiving and he was informed that it was a violation of my consumer rights pursuant to 15 usc 1692d and 15 usc 1692c but I have not heard anything back from no one so this complaint is for a response back from an executive team member. I would advise that this gets handled outside of court because If I have to seek litigation for the relief I am entitled to for sustained damages pursuant to 15 usc 1692k, attorney fees 15 usc 1692k ( a ) ( 3 ) will be added since I will be representing myself. I am a consumer natural person and your illicit activity needs to be stopped and for the record this complaint is not tied to my complaint I have with you last week because I have not provided anything detail on the calls that your company has made so if my complaint gets marked as duplicate I will be adding these fees to that complaint and I will start my administrative process.
Product: Money transfer, virtual currency, or money service

On XX/XX/2019 i recieved a email from paypal stating my account is being closed & my funds being help for 180 days. But will not tell me why. i was told once it could possibly be for customer disputes but i have never sold a thing i use it for family to send me money. I have done nothing wrong
Product: Credit reporting

Reviewing my TransUnion credit report, I noticed there were many inquiries which I never made. I have called each one of these companies and they confirmed no application was filed from me and they had no record of my name or social security number. 

This concerns me because 1 ) the wrong people may be accessing my information and pulling reports under the guise of a legitimate company and 2 ) this inaccurate reporting actually lowers my credit score. 

These are the companies I have verified so far that had no record of me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX XXXX I XXXX XXXX XXXX # XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX I 'd like to have these inquiries removed from my record immediately. 
Any questions, feel free to call or email me XXXX XXXX ( XXXX ) XXXX XXXXXXXXXXXX
Product: Credit reporting or other personal consumer reports

I split my mortgage payment for XXXX. I paid {$1000.00} on XX/XX/XXXX from my checking account through the bill pay account and {$1500.00} on XX/XX/XXXX to XXXX XXXX XXXX, the holder of my mortgage. XXXXXXXX XXXX XXXX mailed the payments in the form of a check back to me in XXXX stating that they do not accept split payments. I called XXXX  to request that my XXXX payment is not reported late to the credit bureaus because I wasn't aware that I could not make split payments. A request was submitted on my behalf and I learned denied because the full payment was received on XX/XX/XXXX, even though XXXX XXXX collected the amounts and returned them to me by check. I am asking that my XXXX payment be recognized as on-time. Thank you, XXXX XXXX
Product: Credit card

I use a US Bank rewards card for company expenses and pay it off each mot month. When I was reviewing last months statement yesterday, I noticed that a {$57.00} interest charge had been added. I was surprised at that because of my pay it off each month process. I checked the date of the payments last month to see if they arrived late ... no they were there on time. Then I checked the past due line on the statement and there was zero showing as past due. So I called to see what I was missing. After all {$57.00} is real money. The person on the phone quickly advised me that they would waive the interest charge, but the reason it was generated is the reason for my complaint. Turns out, due to my check writing error, the XXXX checks I wrote from different accounts for last month 's payment was XXXX short of full payment. So interest was charges as though I had n't gotten the payment there on time for the entire amount. Excuse me..this sounds like illegal activity to me even if it was just a computer error or something. I had a XXXX shortage of my payment, which was rounded off to show zero in the past due, but the interest function charged me {$57.00}. I wonder if the interest rate on a XXXX charge is to get to {$57.00}. Not sure it is calculable. I know that I was not out any money because I called and asked about it, but what if I had n't, and what about all the people that just pay the balance showed and end up paying those charges on mistakes like that.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REACHED OUT THE CREDIT REPORTING AGENCIES ABOUT REMOVING THE INQUIRIES FROM MY REPORTS AND THEY ARE GIVING ME A HARD TIME. I ADVISED THEM OVER AND OVER AGAIN THAT THOSE INQUIRIES DOESNT BELONGS TO ME AND BY LAW AS THE CONSUMER I HAVE THE RIGHT TO REQUEST FOR THOSE TO BE REMOVED.
Product: Credit card or prepaid card

Back on XX/XX/2023 a fraudulent charge showed up on my Chase credit card statement for {$370.00} from a merchant called XXXX XXXX XXXX. I have never joined a travel club so I tried to XXXX the name of the merchant ( attachment ) and nothing came up. I then tried to call the number for XXXX XXXX XXXX that appeared on my Chase statement ( XXXX ) and the number has been disconnected or is no longer in service. I disputed the charge with Chase Fraud Department and their investigation came back as a legitimate charge because they said XXXX XXXX XXXX provided Chase with my personal information ( name, home address and email address ) so Chase said I am responsible for the charges. After pressing the Chase Fraud representative further, she said that XXXX XXXX XXXX was doing business under the name of XXXX XXXX  XXXX XXXX and that the services I received were a media consultation and web design services. I asked the Chase representative if they have a legitimate contact number I could call the merchant and they said the information they have is not to be given out. I explained to the Chase representative that I have never sought out any media help nor have I ever spoken to a person for a consultation or received any web design services. So I disputed the charges a second time on XX/XX/2023. Then a week later on Wednesday, XX/XX/XXXX, I received an electronic notification on my Chase account that they have again sided with the Merchant and I am responsible for the charges because XXXX XXXX XXXX proved Chase with my name, address and email address.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I called XXXX to dispute inquires that I did not authorize. They informed me that they DO NOT dispute any inquires, that signatures do not have to be on file nor do they house that information, and that all information is factual. They said they could not help me and I would have to wait the two years even if I did not authorize them. They also informed me because they are more than 6 months old, the companies DO NOT have to respond to requests. 
XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX I also  spoke to Experian, and was informed the same information ... 
XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit was pulled without my permission on XXXX XX/XX/2023. Employee/loan expert did not ask when he pulled credit. Now I have more inquiries than I was supposed to. Effecting my score. XXXX XXXX XXXX XXXX.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act + ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Bank account or service

Multiple claims were filed due to fraudulent activity on my debit/atm card. The claims were denied without being provided any documentation. I filed a claim for XXXX but the representative entered it as XXXX. This is a clear disregard as to the initial claim. I contacted b of a XXXX XXXX XXXX additional times with no response at all. I have not been contacted by any claim specialist and my claim is not even showing in their system.
Product: Prepaid card

I received my Pandemic unemployment assistance via reliacard. Immediately after I made my first purchase with the card I see issues. The first one was. I try to send money from my u YES Bank. Rely card account to a XXXX XXXX account. That belong to me not only did they deny that request. They Told me they do not do business with XXXX XXXX. I told Them that the money belonged to me and I should be able to send anywhere. I want. They said in respon to that. It's part of our policy not to do business with XXXX XXXX. I made a couple of withdrawalswith my reliacard. That XXXX XXXX store because you have to self check out. They will allow you to get cash back. I had to use this methodto get cash back. Because of problems like dim, denying me the ability to send my money To another card that I use. They went along and put a fraud Alert on my relia card account without me requesting It. I contacted Reliacard to see what the problem was because I tried to use my card and it got denied. I was told by them that the request for money for my account. Who's suspicious? I told them it was me making the request. 
I told them to take the Fraud alert off my account They honored my request but it took days before it happened. I wanted to buy a car. I had {$20000.00} in my account and I could not use my card to buy a car. It was no short of a nightmare to use this card that was supposed to be Hey. Debit card from u s bank. We did not receive any interest on our money. But we had an account a Bank account I thought. In the state of oregon we were giving the option to have PUA unemployment benefits transferred to any bank if we provided the unemployment department With all the necessary info. 
To have it done. If you contact reliacard ask for all the information about every time I called You get a better understanding on my problemthank you please help
Product: Credit reporting, credit repair services, or other personal consumer reports

1. XXXX Agreed that there was a XXXX balance due on a land line. 
2. XXXX is reporting a charge off with a XXXX balance which is impossible. 

Trans-union is the credit reporting agency that is reporting a XXXX   balance as a charge off. 
Trans-union will not allow the account to be disputed on line. 
Trans-union has few or no staff available to file a dispute by phone. 
Tans-union is requesting items not in my possession, making it impossible to dispute by mail.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : # XXXX, Wakefield and Associates XXXX : # XXXX, XXXX XXXX XXXX System : # XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX : # XXXX : has violated my rights. 

15 U.S.C. 1681 Section 602 A, states | have the right to privacy.

15 U.S.C. 1681 Section 604 A section 2, states a consumer reporting agency can not furnish an account without my written furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions and crimes which antedates the report by 7 years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

I made my first couple payments with my savings account. They were accepted with no problem. 

When I tried to make my next payment it said accepted. Then it was returned. So I tried again and it was returned again. This brought my XXXX credit limit over by XXXX. 

I called to make sure my account would not be closed due to the overlimit and returned fee and I was reassured everything was fine. 

A day later my account was closed due to returned payments. I do not feel this was fair. I made all my payments on time and was never told I could not use my savings account. I would like my account reinstated. Thank you
Product: Debt collection

In XX/XX/XXXX I received a Notice and a phone call from the collection agency.

I told the caller to not contact me again, " Cease and Desit '' We are under chapter XXXX protection.

I sent a cease and desist letter XX/XX/XXXX.

Today I received a notice from XXXX XXXX, that they are going to sue me and I will incur costs
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

DEPTEDXXXX XXXX XXXXXXXX DEPTEDXXXX XXXX XXXX DEPTEDXXXX XXXX XXXXXXXX DEPTEDXXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX - XXXX XXXX XXXX XXXX XXXX XXXXXXXX DEPTEDXXXX XXXX XXXX DEPTEDXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear EQUIFAX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ACCOUNTS ARE ( NOT ) MY ACCOUNTS NONE OF THESE ARE MY ADDRESSES : XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX I recently received a copy of my EQUIFAX credit report. The credit report showed a credit inquiry by your companythat I do not recall authorizing. I understand that you shouldn't be allowed to put an inquiry on my file unless Ihave authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for meto acquire credit. 
I have sent this letter certified mail because I need your prompt response to this issue. Please be so kind as toforward me documentation that you have had the unauthorized inquiry removed. 
If you find that I am remiss, and you did have my authorization to inquire into my credit report, and then please send me proof of this. 
Thanking you in advance, Thank you for your time,
Product: Money transfer, virtual currency, or money service

Zelle Pay has blocked account permanently for no justification. They content that I received Zelle transfer of {$150.00} which the same person who sent me the Zelle went round to the bank that the money was drawn from to complain that there has been a fraudulent transaction to me. The person who transferred the Zelle to me is called XXXX XXXX, who is a friend. I contacted him about this situation and he explained to me that the account he used to send me the Zelle from XXXX XXXX  has multiple people on the account. One of them was his Niece. This Niece of his, according to XXXX, reported to XXXX XXXX  that someone has fraudulently transferred {$150.00} from her account to one XXXX XXXX ( XXXX ) through Zelle. XXXX XXXX, without investigating, sent a message to Zelle and XXXX XXXX about this alleged fraudulent transaction activity. After I contacted XXXX about this issue, he called XXXX XXXX  and XXXX recanted the fraud charge and labelled it as error/miscommunication and sent a note to XXXX XXXX about it. XXXX gave me this note and I sent it to XXXX XXXX. As I write this piece, XXXX XXXX has not reactivate my account for not justification.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Date Updated : XX/XX/XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$2200.00} XXXX XXXX XXXXXXXX Balance Owed : {$76.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$8600.00} XXXX XXXX XXXX : XXXX XXXX XXXX XXXX Balance Owed : {$2000.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX Owed : {$460.00} XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance Owed : {$940.00} XXXX XXXX XXXXXXXX Original Creditor : XXXX XXXX XXXX Balance Owed : {$670.00} XXXX XXXX  Original Creditor : XXXX XXXX Balance Owed : {$1600.00} XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX* Balance Owed XXXX XXXX0} XXXX XXXX XXXXXXXX Balance Owed : {$76.00} XXXX  Original Creditor : XXXX XXXX XXXX XXXX Balance Owed : {$2000.00} XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance Owed : {$940.00} XXXX XXXX Original Creditor : XXXX XXXX Balance Owed : {$1600.00} XXXX XXXXXXXX Balance Owed : {$460.00} XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance XXXX : {$430.00} XXXX XXXX XXXX Balance Owed : {$2200.00} XXXX XXXX XXXXXXXX Balance Owed : {$76.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance Owed : {$2000.00} XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXXXXXX Balance Owed XXXX {$460.00} XXXX  Original Creditor : XXXX XXXX XXXX XXXX Balance Owed : {$940.00} XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX