23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Loan Care, LLC currently services my lender XXXX XXXX in regards to my mortgage escrow account. I asked for an escrow analysis statement to be issued on XX/XX/XXXX Reference Number :  XXXX. I needed this analysis as I received a property tax break for XXXX so there was a surplus of escrow. Loan Care had a copy of my tax bill which amounted to {$610.00}. The projected amount for my taxes was {$2800.00}. So as you can see this was a justifiable reason to ask for an updated escrow analysis. 

The ticket was never resolved and I was never provided the escrow analysis. I called Loan Care back on XX/XX/XXXX explained what information I needed and why. I was told to open a second ticket, Reference Number : XXXX. The ticket was closed with no comments or resolutions provided. Loan Care also removed my previous escrow analysis document from my account. Very suspicious. Since having the XX/XX/XXXX ticket closed I have made endless attempts to call Loan Care and inquire why they will not provide the escrow analysis. I filed complaints, been told my tickets are being escalated, however each time I call I am not allowed to speak with anyone from the escrow department and each supervisor I speak to has a different story to tell. 
My last conversations were on XX/XX/XXXX with XXXX ( agent ID XXXX ) she lied and told me she opened an " escalated ticket '' for me and assured me I would receive a call back the same day. I called back on Monday, XX/XX/XXXX I was told no one named XXXX worked there and transferred to another supervisor XXXX ( agent ID XXXX ), She opened another ticket on my behalf and provided me an actual ticket number XXXX. She assured me I have a right to ask for the escrow analysis and she did not understand why they would not provide one. 3 days have passed and no one has bothered to call or respond. I have been asking for this analysis since XXXX and it is now the end of XXXX and Loan Care continues to refuse to provide one. 

Based on my research I have every right to request a new analysis to be made, however, Loan Care is refusing to provide one. I feel my legal rights under RESPA have been violated. Loan Care has no right to keep that money in my escrow. I believe they are refusing the issue the analysis because if they do, they are legally required to refund me the surplus amount. They, of course, do not want to do that, so they are just refusing the run the analysis. 

I am aware that allegedly NC switched their timeline for the required annual escrow analysis to XXXX, however, I should not have to wait that long, I prefer to have my analysis ran at the beginning of the year as it more aligns with when property taxes are paid out. I would really appreciate your assistance in enforcing Loan Care to follow the law. Happy to provide more details if needed.
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 an 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 EXXXX These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, U S DEPT OF EDXXXX, XXXXXXXX XXXX XXXX / XXXX has violated my rights . XXXX Account # XXXX 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: Mortgage

XXXX sold my loan to penny mac back in XXXX 2015 the loan was almost 2 half yrs old there now saying that I owe them 2 months of escrow, have not have had any increase in tax or insurance when i originated the loan I paid 2monthes up front so why are they asking for more money in escrow. there reply has been u need to talk to XXXX,,,
Product: Credit reporting, credit repair services, or other personal consumer reports

Investigation took more than 30 days and nothing was changed when clearly there are misleading incorrect information and inaccuracies on my XXXX XXXX credit report.. attached is the evidence clearly supporting that!! Only a blind person won't see it!! STOP VIOLATING MY RIGHTS AND DELETE IT IMMEDIATELY!!
Product: Prepaid card

Bank of America has closed my prepaid edd debit card, do to " suspicious activity '' on the card. I spoke with the fraud dept at the number on the back of my card, on XXXX XXXX @ XXXX, XXXX and XXXX secs, and again at XXXX XXXX for XXXX minutes and XXXX secs and was told that I have to go into a Bank of America branch office to verify my identity. On XX/XX/XXXX, I drove over XXXX miles to a Bank of America branch to verify my identity, and the bank refused to accept all the forms of identity I have in my possession! And will only accept a physical valid picture ID card, and refuses to accept the XXXX print out that has the exact same information on it as my expired XXXX. The XXXX has 60 days to send me my ID card and this is the only form of ID that Bank of America will accept to verify my identity so that I can access my prepaid debit card that has my edd/unemployment benefits on it. I can't survive XXXX week without access to my prepaid benefits, little own 60 days! I provided Bank of America a certified copy of my birth certificate, my social security card, my XXXX expired passport, my expired XX/XX/XXXX XXXX, the Bank prepaid debit card I've been using since XX/XX/XXXX, a print out from the XXXX, dated yesterday, showing my id card is in process and can take XXXX to receive and required my thumbprint to verify me in order to process, proof of my edd account info and Emails from XXXX regarding the " suspicious activities '' in question, and proof of online verification required to set up a unemployment claims account through XXXX. And the bank refuses to accept any of the information I have and refuses to ask me security questions, such as, the debit card passcode, or look at the emails regarding the purchases in question. The fraud dept requires a bank employee to answer 1 question in order to verify me and that is " do you have the information required to open a new bank account? '' And if the answer is " no '' they do not have what is necessary to open a new bank account, they won't verify who iam with all the proof and transaction history I have! And they will not accept anything other than the ID the XXXX has 60 days to process before I receive it, and will give my access to the government benefits on my prepaid debit card, which has and is causing me extreme financial hardship, as I have no means to survive without access to my money! I have XXXX fuel left in my car! My cellphone is going to get shut off in a few days if I can't pay for the services. This has caused me great and undo emotional anguish with no means of timely or adequate remedies or resources.
Product: Debt collection

ARS ACCOUNT RESOLUTION COLLECTION REPORTED ON  XXXX  ASSIGNED  XXXX CREDITIOR CLASS MEDICAL/HEALTHCARE CLIENT   XXXX   XXXX   XXXX   {$940.00} STATUES OF  XXXX UNPAID DELINQUENCY  XXXX  ARS ACCOUNT RESOLUTION COLLECTION REPORTED ON  XXXX  ASSIGNED  XXXX  CREDITIOR CLASS  MEDICAL/HEATH CARE  CLIENT   XXXX   XXXX    XXXX  {$1200.00} STATUES OF  XXXX UNPAID DELINQUENCY  XXXX
Product: Debt collection

DNF Associates which i am not familiar, is claiming that i owe them money for something that is not mine. I am requesting a validation of this so called debt by mail. I am retired and on ssi which means my income is federally protected. account number ending in XXXX, supposedly.
Product: Checking or savings account

On XX/XX/XXXX I wrote my maid a check for {$80.00}. She deposited it on XX/XX/XXXX at her bank, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Fl XXXX XXXX. XXXX XXXX sends letter to my maid on XX/XX/XXXX saying check bounced, refer to maker and charged {$12.00}. I called my bank, Bank of America,XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX, and they said the check cleared their bank on XXXX. My account had {$80.00} deducted from it. I went into my bank to talk to customer service. They said the only thing they could do is refer it to a Bank of America researcher, case # XXXX. The researcher called me 3 days later and said there is nothing Bank of America can do because the check cleared. I told my maid and she called the manager at her XXXX XXXX Bank to relay this information. XXXX XXXX said the check bounced and there was nothing they could do. I have documents showing the {$80.00} left my account in Bank of America on XX/XX/XXXX and the XXXX XXXX XXXX letter saying my check returned unpaid [ bounced ]. My BoA account averages a monthly {$20000.00} balance for the last 15 years. [ I have had an account for over 40 years and only credit cards I use are from BoA. ] I am concerned that this is such an obviously simple problem and the banks do not know how and/or are unwilling to fix it. What if the check would have been {$8000.00} instead of {$80.00}. I would be forced to file a lawsuit for damages and attorney fees. These banks are regulated by the federal government. All banks doing business in the U.S. should be made to take care of simple basic errors in banking and not subject their customers to spending their valuable time and money correcting these simple mistakes. IF U.S. NATIONAL BANKS CAN NOT TAKE CARE OF THIS SIMPLE PROBLEM, IS THIS A SAFE PLACE TO PUT YOUR MONEY?
Product: Checking or savings account

I opened an account with CapitalOne 360 account on XX/XX/2023 I already have a credit card with them. I received 2 XXXX payments equaling to {$500.00} from my daughter. A couple days go by and I receive an email for capital one stating that my account is restricted. I was not told why my account was restricted so I called the customer service line. When I called I was told to verify myself I sent in the front and back of my ID to them and still my account was still restricted. I just want my money from that account and want to close it. I am not able to go in person to close my account because I am overseas at the moment. I am no longer interested in keeping an account with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX Balance Owed : {$3900.00} ; XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed a copy of my credit report and found the following item to be an error. See the attached copy of my credit report. The error has been highlighted. Here as follows is the item in error : According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 
Remove following account from my XXXX  Credit Report Collection Agency : National Credit Adjusters Original Creditor : XXXX XXXX  Balance : {$250.00} Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX  Account, # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX U.S. Dept. Of Education. 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, credit repair services, or other personal consumer reports

My vehicle loan is thru XXXX. They are reporting the loan as open and current however Equifax continues to report this loan as Closed. The issue started about 6 months ago. I would dispute and it would get corrected, however it has now been reporting closed since XXXX 2021. XXXX has tried to get it corrected but the issue remains.
Product: Credit card or prepaid card

On XX/XX/2022, I applied for a Capital one silver card. Capital one denied me an extension of credit for a few reasons. Which included my credit report and the information found on it. According to the Equal Opportunity Act, it is against federal law to proclaim an adverse action against a consumer for these reasons. Capital One has violated my federally protected consumer rights. Capital One should resort to reasonable procedures to rectify this matter, also, for the use of my social security number in which I received no benefit.
Product: Bank account or service

My mother established a joint account with me with GMAC which is now Ally Demand Notes and XXXX in XXXX. My mother died three years ago and I sent Ally a certified copy of her death certificate. I also made deposits and withdrawals from time to time. On XXXX XXXX, 2016, I contact Ally and asked that the account be closed and the funds sent to me. I had been receiving monthly statements on this account for years to my home address in XXXX, Michigan entitled XXXX, XXXX. A check for over {$XXXX} was apparently made out, but made out with my mother as joint payee and then mailed to my mother 's old address in XXXX, Michigan. That residence had been sold and the new owners are " snowbirds '' who close up the house in the winter months and have their mail held at the XXXX post office. I never got the check and evern if I had received it, I could not cash it because a dead person 's name is on it as payee. I started this process by telephoning Ally and speaking with a XXXX XXXX on XXXX XXXX and XXXX around XXXX XXXX, I recevied a notice of confirmation of changes which I did not uderstand so I called and Ally assured me that everything was all right and the check had been mailed. I called around XXXX XXXX when I had not received the check and the Ally clerk then told me 1 ) they had my mother 's death certificate on file 2 ) the check had been mailed to XXXX and 3 ) my mother 's name is on the check! For months, if not years, the monthly Ally statements had been mailed to my address in XXXX! I wrote to Ally on XXXX XXXX, telephone them on XXXX XXXX and on XXXX XXXX, sent another letter on XXXX XXXX. Ally responded with sending me an affidavit to sign which I swore I had not cashed the check but on closer examination, the " affidavit '' was actually an indemnification agreement where I agreed to be liable if someone else cashed the check. I would not sign the Ally affidavit but I drafted my own affidavit and swore I had not cashed the check, did not know its whereabouts, the exact amount, or the check number. I received zero response from Ally. I sent my counter-affidavit on XXXX XXXX, 2016. I sent my next letter on XXXX XXXX, 2016, reviewing all the above information to refresh Ally 's memory and warning Ally that I would contact CFPB if Ally did not resolve this problem. Here it is a month later and I have heard nothing from Ally. I figure the XXXX check has probably expired by now and Ally could easily determine whether it has been cashed or not. It should not take over fourth months to complete a simple transaction. I hope you can investigate and get me my money.
Product: Credit card or prepaid card

I had a credit card with Bank of America. The card had an {$11000.00} limit with {$0.00} balance. Incidentally, my credit score is ( was ) XXXX, which is considered excellent. The credit usage of all of my credit cards was approximately 38 % at the time of this incident. In XX/XX/2019, Bank of America sent me an offer to transfer other credit card balances to their card with 0 % interest for 14 months. At the time I had about {$8800.00} on special financing on a XXXX XXXX card which was expiring. So I accepted BoA 's offer and transferred the {$8800.00} which was on the XXXX XXXX card to the BoA card. In essence, BoA was offering me an interest free loan for 14 months at 0 % interest. I would have been a fool not to have accepted what amounted to free money from them. The net effect was that I still had the same overall amount on a credit card. However, on XX/XX/2019, without warning, BoA closed this credit card. The immediate effect was that I lost {$11000.00} of available credit, therefore my credit utilization shot up to nearly 50 % and my credit score plummeted. I was in the process of refinancing 5 rental  properties. The refinancing would have saved me several hundred dollars per month for 30 years, or probably hundreds of thousands of dollars over the lives of the mortgages. All refi 's were placed on hold because of this move by BoA. I immediately called BoA for an explanation and a way to fix the issue. To be clear, I had cash on hand to pay the {$8800.00} in full, but was only taking advantage of the offer BoA sent me. Over the next week I called BoA 9 times and was on the phone for over 10 hours. They confirmed that my credit score was XXXX but would not tell me why my account was closed. I begged them to reopen the account and told them I would pay the amount in full. They said no. The only info I received from them was that they closed the account because " an account with us and/or our affiliates has been revoked. '' TO BE CLEAR, THE ONLY ACCOUNT THAT WAS REVOKED WAS THIS ACCOUNT. There were no other late payments on any credit report nor were there any other closed or revoked accounts or negative reporting OF ANY KIND. In short, BoA made an offer, I accepted, then they closed my account because I accepted their offer, then they crashed my credit score and cost me hundreds of thousands of dollars. THIS AMOUNTS TO DECEPTIVE LENDING ON THE PART OF BANK OF AMERICA.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX appear on my Transunion credit report as hard inquiries, I have disputed many times this hard inquiry via Transunion and also directly by calling this company but every time Transunion and also this above mention company denied my petition to send me any document that shows who autorise them to pull up my credit and make any application. ONCE AGAIN I REQUEST DOCUMENTATION ABOUT THIS HARD INQUIRY TO BE SEND TO MY MAILING ADRESS OR OTHER WISE THEY NEED TO DELETE THIS HARD INQUIRY.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my recent credit report request from XXXX there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA.

VIOLATIONS OF CREDITORS & XXXX  VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED USBK COURT XXXX CALIFORNIA Docket # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Date Filed : XX/XX/XXXX Date Paid : XX/XX/XXXX Date Updated : XX/XX/XXXX Type : CHAPTER XXXX BANKRUPTCY DISCHARGED Responsibility : Individual Debt Court Type : Federal District Plaintiff Attorney : PRO SE Estimated month and year that this item will be removed : XX/XX/XXXX USBK COURT XXXX CALIFORNIA Docket # XXXX THIS ACCOUNT DOES NOT BELONG TO ME AND SOMEBODY ELSE I HAVE NEVER FILED FOR BANKRUPTCY PLEASE REMOVE IT OFF MY CREDIT REPORT PLACER COUNTY # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX THIS ACCOUNT DOES NOT BELONG TO ME AND SOMEBODY ELSE PLEASE REMOVE IT OFF MY CREDIT REPORT
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone have been applying for credit in my name at the following places - XXXX -- - XX/XX/XXXX XXXX XXXX XXXX XXXX -- - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX -- - XX/XX/XXXX XXXX XXXX XXXX XXXX -- - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  -- XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX -- -- - XXXX XXXX XXXX XXXX XXXX XXXX  -- -- - XXXX XXXXXXXX XXXX  XXXXXXXX XXXX XXXX XXXX -- -- - XXXX XXXX XXXX XXXX