23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My escrow analysis was completed on XX/XX/XXXX. The Annual Escrow Account Disclosure Statement shows that I am due a refund of {$770.00} and states that the surplus will automatically be mailed within twenty business days. However, I have not received it. I contacted the company ( XXXXXXXX/Lakeview Loan Servicing ) at the beginning of XXXX to check on the status and they claim that the check was mailed but the post office returned it to them. They said they would re-issue the check. I called again on XX/XX/XXXX and once again was told the check would be re-issued and mailed to me. I still did not receive it so I called XX/XX/XXXX and was told by the representative that she spoke to a supervisor and they were going to mail me a check and she gave me a confirmation number of # XXXX and told me to call back in a couple of days to get the tracking number for the mailing. I called back on XX/XX/XXXX and spoke to XXXX and she said she could not find the confirmation number that I was given the last time I called and that it didn't look like a check had been mailed. I asked her to speak to a supervisor about it and she said she did not have the ability to speak to a supervisor but she emailed a supervisor and she assured me that she would call me back the next day. I never did hear back from her. 
I want my escrow refund sent to me as soon as possible and I want a tracking number so I can track the mailing. By law the mortgage company is required to refund my escrow surplus. 
I have had nothing but trouble with this company since they took over my loan. In XXXX they mis-applied a payment and it took me XXXX months to get it corrected. They refused to correct the payment until I filed a complaint with the CFPB. Is there anything that can be done about this mortgage company? 
I want my escrow refund issued, as required by law, and mailed to the property address, which is XXXX XXXX XXXX XXXX XXXX, XXXX, OK XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS 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 accounts 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 XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act TRANSUNION Account # XXXX. XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXXXXXX 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
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. 

Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or a list of inquiries : 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

I have asked repeatedly for Global Trust Management to stop calling my place of employment. Not only am I not allowed to take personal calls but this is putting my job in jeopardy. If I have no job they have no way of me repaying them. They also continue to repeatedly call my cell phone multiple times a day. I have already given them a date when I would be able to start paying them, but they consistently keep calling both personal and work phones. I understand I need to pay back and I will but they are invading my rights and not taking into consideration their actions or my situation. I receive over 15 calls a day from them always from different phone numbers. It is getting worse each day.
Product: Credit card or prepaid card

I'm a victim of identity fraud dating back from 2015 I had no clue a capital one card was taken out in my name. When I found out I called Captial one and has disputed this account many many times and they won't remove it. I've added fraud alerts and identity theft alerts and this account is still reporting along with XXXX and XXXX XXXX XXXX. I've never taken out any of these accounts. Please help me rectify this it has harmed mine and kids lives for years I'm tired of being denied and turned down for something I didn't do.
Product: Money transfer, virtual currency, or money service

I am filing a complai it against Cash App ( Block, Inc. XXXX XXXX to XXXX XXXX ) ustomer 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 a XXXX was unfair and veceptive, as they afd not '' KY 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
Product: Checking or savings account

A {$4500.00} counterfeit check was deposited at a Bank Of America California branch into my account, they had mistakenly credited my account and I have used the credited funds accordingly as it was a payment, the funds were withdrawn from my account after BOA realized this check was counterfeit, I had made every attempt possible to gather as much information as I can possibly can in order to better assist them on their investigation, today XX/XX/2023 almost 90 business days since the date I originally filed my claim which was XX/XX/2023 I received a letter from BOA stating that I did not suffer any loss
Product: Debt collection

Portfolio Recovery Associates has been repeatedly calling me and harassing me from different phone numbers all times of the day. I have asked them to stop calling me and they have failed to cease calling me. I have blocked more than 20 different phone numbers that this company and its employees use to call me. They have also sent letters threatening to sue me. I am really tired of the repeated harassment. I am tired of blocking numbers every other day. Stop harassing me.
Product: Debt collection

Springs Oaks Capital LLC has been reporting false information to the credit report of the XXXX XXXXXXXX XXXX. As an authorized representative I have sent multiple letters requesting the validity of any debts that may be owed as well as copies of any contracts signed by the authorized representative. The have gone unresponsive and continue to report inaccurate information to the credit report without any consent. If this continues I will be forced to take legal action as this is identity theft and defamation of character. The XXXX XXXX XXXX has no contracts with this company.
Product: Credit card

I've have my account open since XXXX and have been on automatic payments for several years without fail. Starting in XXXX my minimum payment increased, however Bloomingdales failed to deduct enough money on my automatic payments to cover the minimum payment and charged a late fee two months in a row ( XXXX and XXXX ), however continued to deduct my automatic payment and continued to charge these junk fee 's. This is a very deceptive practice of bloomingdales credit services. When I attempted to contact them via their secure messaging, there was no response about the problem and only that their secure messaging box was no longer monitored. When I attempted to contact customer service about the issue, I was disconnected after going throgh the prompts to speak with a customer service representiatve.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXXXXXX XXXX XXXXXX/XX/year> XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple accounts that are incorrect are reporting on my credit reports XXXX XXXX**** XXXX XXXX XXXX XXXX 
XXXX**** XXXX/XXXX XXXX****
Product: Checking or savings account

I used the promo code XXXX XXXX XXXX XXXX to receive {$300.00} when opening a new checking account. Went into a Chase branch on XX/XX/year> and completed a payroll ACH deposit of $ XXXX on XXXX XXXX, 2024 and still haven't received bonus. Called Chase on XXXX XXXX, 2024 @ XXXX PST to follow up and spoke with manager, XXXX  XXXX who opened the Case Number : XXXX and said someone will call back in 1-3 business days. Chase failed to call back and I had to call again on XXXX XXXX, 2024 at XXXX PST. Escalated to XXXX, XXXX- who looked into the previous Case Number, and said she couldn't even find it. Asked to escalate to another Senior Manager with another Case Number : XXXX. She advised a Sr Mgr will c/b in 3-5 business days. A very unclear message was left on XX/XX/year> with incorrect instructions to call the XXXX where the Chase agent had no idea why they left that. I then was told to call a different number for the check claims. Spoke with XXXX, Senior Manager on XX/XX/year> at XXXX XXXX. The case was then again transferred to another specialist, XXXX XXXX XXXX, who said she would investigate and get back to me. I sent a follow up secured message on XX/XX/XXXX. A request to provide additional documents was received on XX/XX/XXXX, and responded to with the information on XX/XX/XXXX. I missed a call from XXXX on XX/XX/XXXX, which I called back immediately and the Chase agent was able to reach her, but left her a message. On XX/XX/XXXX, I sent another follow up secured message was sent to XXXX. On XX/XX/XXXX, another secured message was sent to XXXX. On XX/XX/XXXX, yet another secured message was sent to XXXX. A final message was sent again on XX/XX/XXXX. After more than 10 attempts over 2 months to resolve the matter, Chase has failed to respond to my messages and calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

This will be my last Complaint to inform the Credit Reporting Agencies that I was a victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) the Credit Reporting Agencies are required to remove any ITEMS which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. If the Credit Bureaus do not comply with the requests, it leaves me no choice but to pursue legal action. I need the following items deleted as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, NC XXXX XXXX XXXX Balance : {$9300.00} XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX, 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
Product: Checking or savings account

The banks overdraft fees are abusive, in one case they charged me {$35.00} overdraft fee because of a {$1.00} transaction from XXXX. I contacted them, and was transferred to their collections department, and was given the option of paying or having my credit resumed.
Product: Credit reporting or other personal consumer reports

My credit information was sold illegally on Equifax and XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my another 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 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX  XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX Balance : {$5000.00} ; XXXX  XXXX Balance : {$10000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$780.00} XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX.
Product: Debt collection

I have received multiple phone calls from this place, and find them suspicious. The first phone call took place Wednesday XX/XX/XXXX, at about XXXX XXXX. It consisted of a very sketchy voicemail, from a male voice that did not identify himself, stating, things such as this was a time sensitive matter, that if I didn't call them this would be forwarded to their escalation department, and all through the call this person did not identify themselves or the company they represented. It took a lot of digging, and a phone call placed here tonight at XXXX XXXX, where I spoke with a woman who identified herself as XXXX XXXX, and there I learned the true purpose of their calling me. 

XXXX XXXX XXXX, states that I allegedly owe a payday loan from a place called XXXX XXXX, who was holding an account for some place called XXXX XXXX, that I have not heard of until now. During this phone conversation with XXXX XXXX, she states that I allegedly took out a payday loan for either {$300.00} or $ XXXX somewhere between XXXX and XXXX when it was allegedly XXXX, which I know to be false, because in my state, ( Pennsylvania XXXX, payday loans are illegal. I stated to XXXX XXXX, I did not take out a payday loan anywhere during this time period she stated, so that is another thing I find suspicious. I'm also extremely concerned over the fact that these two phone calls are coming from different numbers, the first of which is XXXX, and the most recent is XXXX. 

Based on the research I have done, as well as having checked all my financial information, and knowing that I do not owe anyone anything, I am disputing this claim, and I want them to cease and desist any and all contact with me I have already sent out by certified mail a cease-and-desist letter, ( see attached ) and I want them stopped. 

*estimate
Product: Debt collection

XX/XX/XXXX I was contacted by a XXXX who stated my full social security number over the phone. This person said that I took a payday loan out in XXXX for {$500.00}. I know nothing about this and never took out a payday loan that was not paid back in full. They also left a message on my phone stating they will mail me the information to my address. I am terrified because how on earth did the get my social security number and address. The number that they called me from is XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 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
Product: Credit reporting or other personal consumer reports

In XX/XX/2024, I contacted the credit bureau to have corrects made to my consumer report concerning my personal information. I asked for the misspelling of my name to be corrected and removed and also to update my address to the current one. After providing proof of name and address, it has not been corrected.
Product: Consumer Loan

Company has taken out multiple installments on one pay period, causing my account to overdraft. Company did this without any input or communication with me. I tried calling the location where I took the loan out, Check n GO in XXXX, CA, but that location is out of business. I called the customer service number on line for the compnay, they told me they only serviced loans taken out online. I lodged a complaint to them via an online customer service portal, and they have yet to contact me.
Product: Credit reporting

Experian is reporting the account from XXXX XXXX XXXX XXXX which is more than 8 years since last delinquincy.
Product: Credit card or prepaid card

The account was permanently suspended. I called their customer service line but couldn't get any customer service. 3 weeks passed and I didn't receive the refund check for the remaining money in my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently I got engaged. My fianc and I are looking to purchase a home. As I reviewed my credit Reports, I noticed a number of Inquiries, accounts, and collections that do not belong to me. Please remove these from my report as they are affecting my fianc and I from Purchasing our dream home. 

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 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 ;
Product: Credit reporting, credit repair services, or other personal consumer reports

Good morning/evening, On the following dates of XX/XX/2017 XXXX filed a hard inquiry on my credit report where I never authorized such inquiry. This is greatly impacted my ability to eventually purchase a home. I request to have them removed immediately.
Product: Credit card

I have charges on my debit card that I did not make. I went to the XXXX XXXX XXXX XXXX to get medication for my cat and must have dropped it in the parking lot. I have multiple charges after the Pet Hospital visit. I have already cancelled and ordered a new debit card. The XXXX XXXX is me as well.
Product: Credit reporting or other personal consumer reports

Dispute and Request to Update Personal Information Dear Sir/Madam, I am writing to dispute and request an update to my personal information in your records. I recently obtained a copy of my credit report and discovered that some of the personal information listed is inaccurate or outdated. I kindly request that you investigate and make the necessary updates to ensure the accuracy and integrity of my credit profile. 

Please find below the specific details of the incorrect or outdated information : 1. Name : My current legal name is XXXX XXXX XXXX, but it is listed incorrectly on my credit report as XXXX XXXX.I request that my name be updated to reflect the correct information.

2. Address : My current residential address is XXXX XXXX XXXX XXXX NY XXXX, but my credit report shows an outdated address as XXXX XXXX XXXX XXXX NY, XXXX and XXXX XXXX XXXX XXXX XXXX , NJ XXXX, XXXX XXXX XXXX XXXX, NY XXXX . I request that my current address be updated accordingly. 

3. Contact Information : The phone number listed on my credit report, XXXX, is no longer in use. I request that my new phone number, XXXX, be updated as my primary contact number. 

4. Employer : My current job is XXXX XXXX. 

5. My birthday is XX/XX/1984 I have enclosed copies of supporting documents to verify the accurate information provided above. The documents include : A copy of my driver 's license, Social Security or passport displaying my correct name. 
A recent W2 or bank statement showing my current address.

Additionally, please provide me with a written confirmation once the updates have been made, and send me an updated copy of my credit report reflecting the changes. 

I appreciate your prompt attention to this matter. Should you require any further information or documentation, please do not hesitate to contact me at [ Your Phone Number ] or via email at [ Your Email Address ]. Thank you for your cooperation. 

Sincerely,
Product: Credit card

I opened a credit card with Capital One on XXXX XXXX, XXXX  and recently in the past month I have attempted to close the account. I thought it was closed and paid off in full however a few days ago I was informed there were a few charges that came through either before I submitted to close the account or shortly thereafter which amount to less than {$50.00}. Instead of contacting me that I had these fees they only let me know after the payment date and attempted to keep the account open charging various fees which amounted to almost as much as those on the account. I paid the remaining balance in full but they are refusing to remove the fees or completely close the account.
Product: Debt collection

I specifically deny that this alleged account/debt and/or account stated/implied and/or obligation is certainly mine, if this alleged account/debt and/or account stated/implied is certainly mine, I deny that this account/debt and/or account stated/implied and/or obligated to is authentic and supported by VERIFIABLE and AUTHENTICATED ( under penalty of perjury ) loan level documentation under the FDCPA 1692g ( a, b ).

I affirm this alleged account/debt was established without my knowledge, prior consent nor expressed permission. I acknowledge that this alleged account/debt and/or account stated/implied and/or obligation is false, misleading and deceptive ( 1692e ( 2 ) ( 10 ) ) in nature & that there is no VERIFIABLE & AUTHENTICATED contractual agreement nor obligation specifically with ARS ACCOUNT RESOLUTION or any of its Affiliates nor have I ever engaged in any business with ARS ACCOUNT RESOLUTION in the past and this trespass against me is a result of identity theft. 
I affirm that this alleged account/debt and/or account stated/implied is false, a grand misrepresentation upon my good name and has caused me injury for which I will seek redress, compensation and settlement. 
I specifically demand within 15 days of receipt of this affidavit, unmodified, original verifiable valid proof of claim on all claims of alleged accounts stated and/or implied by sworn affidavit under penalty of perjury to the location aforementioned above. 
I intend on seeking remedy for damages, equitable relief and just compensation for any and all violations of my consumer rights and any other rights not mentioned.