23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Since about XXXX I have been trying to resolve escrow issue. My insurance information was sent out in a timely matter, LOANCARE says they did not receive and purchased insurance on my behalf, Me, my carrier and my agent all sent insurance copies. They had to get copies when loan was sold. I have emails Where we mailed a second set to them XX/XX/XXXX. They did not do a new escrow analysis. It was not unit my XXXX payment did they adjust escrow even though I have called several time since XXXX. In XXXX I was told when account was current, previous person said they would fix escrow, they would send extra escrow out. In XXXX I called and was told I had to request it, which we did. Today I am on the phone and they are telling me they have to do an additional escrow analysis and then request me to be reimburse. In XXXX, XXXX and XXXX they did not tell me the extra money I sent in that they put directly to curtailment could of offset this mess, XXXX person tells me it is to late. Every time I call I get a new story will some reason they wont send me back my escrow excess. Everyone tells me they will escalate everything and no one calls back or does their job. People should not be treated like this. XXXX XXXXLoan Care are awful. 
XXXX says she will get check cut and sent out overnight ... ... ... She can not answer why my XX/XX/XXXX email was ignored.
Product: Credit reporting or other personal consumer reports

After carefully investigating the company, XXXX XXXX XXXX XXXX, This company is not even licensed to collect in the state that I live in Georgia. 

As such, any attempt to collect the alleged debt from me violates Georgia state law and the Fair Debt Collection Practices Act ( FDCPA ).

Consequences of Non-Compliance : Please be aware that any further attempts to collect this debt in violation of Iowa law or the FDCPA will be met with legal action. I am prepared to file a complaint with the Georgia Attorney General 's Office, the Federal Trade Commission ( FTC ), and the Consumer Financial Protection Bureau ( CFPB ). I will also seek damages as allowed under state and federal law.

Delete I demand that you immediately cease all collection activities related to this alleged debt. This includes, but is not limited to : Phone calls Letters Emails Reporting this debt to any credit reporting agencies
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account XXXX XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX Account # 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 an account without my written instructions.
Product: Debt collection

In XX/XX/XXXX Commonwealth Financial reported several accounts to all three credit bureaus totaling about {$2000.00}. I have never received a bill or any correspondence in relations to this debt prior to it being placed on my credit report. I called to see what this alleged debt was and was informed it was in relation to medical bills. The representative was very rude and ill mannered so the conversation did n't go very far. I called back again on XX/XX/XXXX only to be transferred back to the same rude representative. i then requested verification of the debt, asking specifically for a contract of some sort between myself and Commonwealth or Commonwealth and the said medical provider and also a breakdown of alleged charges. I received a bill in the mail on XX/XX/XXXX only portraying an account balance with no specifics. I called back on XX/XX/XXXX to advise them that this is not what was requested. Again the conversation did n't go too well. I requested verification documentation and waited for a couple weeks but did not receive anything. i called back again in XX/XX/XXXX and was told by the representative they 'd sent me a bill back in XXXX and if I required further information to contact the original service provider. On XX/XX/XXXX I drafted a letter detailing very specifically the verification documentation I had requested several times and still requesting. I mailed this letter certified on XX/XX/XXXX. I called on XX/XX/XXXX and spoke to a supervisor, XXXX XXXX XXXX. he stated they 'd sent a bill and that 's all they could provide and to contact the service provider. As of this date, XX/XX/XXXX I have yet to receive any further written correspondence. Representatives from this company call at least 5 times monthly yet no one has provided anything I have requested thus far and these items remain on my credit. I have also disputed these items with XXXX, XXXX and XXXX, all still remain.
Product: Money transfer, virtual currency, or money service

Disputed transactions and I never got any information back on the case/claim. They would close it with out any investigation on the case.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a fraudulent account on my credit report under XXXX XXXX XXXX. I have not had contact with this company. There is a fraud alert on my credit report that states to contact me before opening account. Please investigate and verify. If you can not validate the above accounts, I am requesting that you delete them immediately. I appreciate your timely response in this matter.
Product: Credit reporting or other personal consumer reports

I appreciate your time to REMOVE some of the fraudulent items in my file that resulted from an alleged fraudulent activity but I still have some items and information left that needed to be removed & blocked. This is my new attempt to dispute the items and information in my credit file which resulted from an alleged fraudulent activity. Again, Im sending over a new FTC Report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to remove any information or items in my file that resulted from an alleged fraudulent activity, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. 
XXXX : XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX  Date Opened : XX/XX/XXXX XXXX Balance Owed : {$1000.00} XXXXXXXX XXXX  Date Opened : XX/XX/XXXX XXXX Balance Owed : {$3100.00} XXXX BANK XXXX XXXX Balance Owed : {$5000.00} ==========EQUIFAX : XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX  Date Opened : XX/XX/XXXX XXXX Balance Owed : {$3000.00} XXXX XXXX XXXX XXXX Balance Owed : {$4900.00} XXXX : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX Date Opened XXXX XX/XX/XXXX XXXX Balance Owed : {$3100.00} XXXX XXXX XXXX XXXX Balance Owed : {$5000.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. Please note that you have 4 business days to REMOVE the reporting of any information or items in my credit file that resulted from an alleged fraudulent activity. I do not consent to E-OSCAR or any means of automated verification. Please send me the results to the address provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not an attorney or third- party rep, there are accounts on my credit report that does not belong to me and believe that this is an act of fraud. I have a legal right to dispute the following accounts : -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

Solicitors  calling pretending to be my mortgage company trying to gain access to my personal information and to restructure/refinance my mortgage loan.
Product: Debt collection

I was incapacitated due to XXXX then while in hospital XXXX was discover. My USAA credit card despite multiple attempts to enroll online and by my spouse via phone was never enrolled in protection. Account was referred to XXXX XXXX  XXXX and they sent letter in XX/XX/2022 and I spoke to them via phone on 3 ocassions. Each time i spoke with them they did not disclose any covid relief and stated there is no covid protection since account is past dow and demanded full balance which is now thousands of dollars higher due to interest and penalties.The last conversation I recorded and agent again states their is no program to protect someone who was in XXXX XXXX XXXX.USAA stated they can not bring account back to them without XXXX XXXX authorization to enroll in program and XXXX XXXX will not comply.
Product: Money transfer, virtual currency, or money service

XXXX - XXXX XXXX XXXX XXXX - operating from XXXX XXXX XXXX promised to deliver backlinks from 5 different websites in XXXX, 2023. Payment of {$1300.00} was made to : Account holder : XXXX XXXX XXXX XXXX ACH and Wire routing number : XXXX Account number : XXXX Account type : Checking Which is a Wise.com US registered bank. 

The XXXX trace number is : XXXX Only 1 of 5 links ordered ( valued at {$110.00} ) was delivered. All of the other links/services promised were never delivered. They replied several times via Email and XXXX promising to deliver services but never actually did. Original turn around time was to be 3 weeks, it has now been 5 months and they've stopped responding to any inquires from me.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00}
Product: Mortgage

My husband and I have been trying to obtain payoff information, including payoff amount and how to safely payoff a mortgage of over XXXX in full. I went to the website of the company, Loancare, in late XXXX and filled out their online form requesting a payoff as of XX/XX/XXXX. I received no acknowledgement. Although our intention had been to pay off the loan before the next payment was due, the inaction by Loancare resulted in our having to pay our monthly mortgage, and cost us over XXXX in interest. On XX/XX/2020, I submitted a second request for payoff information. The company responded that they needed a signed request. The online request system did not indicate that this was the case. I tried to call their " help '' line, and on the first day I left my number, but was not called back, so 2 days later, I called again and was put on " everlasting hold ''. On XX/XX/XXXX, I scanned a signed request to the online request system. I received a response indicating that I would have the information within 3 business days. I have yet to hear back. We contacted the company that originally processed our loan, and they provided us with a form that we filled out and signed to be sent to Loancare on XX/XX/XXXX. In the meantime, we have had to pay yet another mortgage payment, including over XXXX in interest. Again, I have yet to have received any acknowledgement from Loancare. Because Loancare appears to be on online company with no brick and mortar presence, we have no place to go to address this issue  face to face.
Product: Debt collection

The company has not shown any prove that I own this alleged debt. you have shown no signed contact between XXXX XXXX and your company stating we have a relationship. As I stated before It would appear as though XXXX XXXX XXXX, XXXX. [ ORIGINAL CREDITOR ] has sold this account to you, a 3rd party interloper, and you may be participating in fraud. 

Since there is NO SIGNATURE on the documents you may have sent me, who is accountable for this contract I am being offered? If you can state your claim & provide that contract, I have with you whereas there is a wet ink signature from the Claimant & someone from the RESPONDENT, I would be happy to settle this alleged account. Please notice that this is a request for VALIDATION and PROOF OF CLAIM made pursuant to the Fair Debt Collection Practices Act and Fair Credit Billing Act. 

Your company is committing fraud against my property. You had bought information that I did not give permission to anyone to share my personal information with anyone nor any company. this is Fraud on so many levels.
Product: Credit reporting or other personal consumer reports

Background check has to wrong information. The charger that's showing is incorrect needs to be changed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove these accounts immediately. These accounts are fraudulent reporting, I have contacted and place a security freeze on my account and items are still being placed on my consumer report without proper contact to verify this said Information. By LAW & STATUES I have rights that you are violating. I will send out letters to all Credit reporting agencies following this complaint. XXXX XXXX XXXX, XXXX XXXX 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
Product: Debt collection

I had an account show up on my credit report at XXXX XXXX it stated it was a XXXX account opened in XX/XX/XXXX. The account they are referring to is an account from XX/XX/XXXX that was handled and resolved in my divorce. The equipment was returned to XXXX and my ex-spouse took care of the remaining. I have not lived in Georgia since XX/XX/XXXX and have never been contacted about this account since. Now all of a sudden it is showing up on my credit report as a recent account. I tried to contact XXXX and XXXX XXXX on XX/XX/XXXX and just get transferred from one department to another. XXXX states I have to speak to XXXX XXXX and XXXX XXXX states I can just write a letter. They are reporting this account incorrectly and refusing to hear anything about it.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX with Account # 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, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

3. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.
Product: Mortgage

See previous complaint ( XXXX ) for background details. After 2 1/2 months of back-and-forth with LoanCare after they first accused us of having insufficient flood insurance, then reviewing our policy and realizing our coverage was more than sufficient, only to continue threatening force-placed coverage on us that we didn't need, we received a letter from the Office of the Customer at LoanCare on XX/XX/2019 assuring us that our flood insurance policy is sufficient and that all threats to force-place coverage on our behalf have been cancelled. However, one week later, on XX/XX/2019, we logged into our account to find that it had once again been flagged as having insufficient flood insurance coverage and threatening us once again. We have received countless letters in the mail harassing us about this issue and each time we call LoanCare, speak to resolution specialists and managers in the flood/hazard department, only to be told, " Oh yeah, your coverage is more than sufficient, we'll cancel this right away. '' Then why does this keep happening? Our coverage and policy have not changed at all during this entire ordeal, so we have no idea what the problem is. We are also aware that LoanCare settled a class-action lawsuit two years ago for this very issue, so it is appalling to see them as a company trying the same tactics when they've been called out on this issue before.
Product: Credit reporting or other personal consumer reports

Reviewed most recent credit report from Equifax and I noticed inquiries that did not belong to me. After reaching out to the creditors, I was advised they did not have any records of me ever applying for credit with their company. The creditor advised me to contact the CRA to have the inquiry disputed and investigated as they do not have the ability to do so. 

After contacting the CRA, I was met with push-back even though I expressed the inquiries in question did not belong to me and the creditors agreed the inquiries are not attached to any file or application they have with my personal accurate information.
Product: Mortgage

I Mr cooper in XXXX to cancel my escrow. The employee I spoke to said they had " processed my request and escrow would be cancelled in about 2 weeks. '' In the meantime i payed the principal amount for XXXX expecting escrow to be removed. XXXX comes around and the application says i still owe for XXXX and owe the full amount with escrow included for XXXX so I called again to cancel escrow. The person I spoke to this time told me nothing was ever processed for me, nor was the process even started by the employee i spoke to. I was then made to pay the remainder of XXXX and the entirety of XXXX just to process the application to cancel escrow which should have been processed in XXXX. I made these payments and we processed the escrow request. I was told that I did not need to pay XXXX until escrow had been canceled and that we could back-date the payment so I waited to hear escrow was cancelled. I heard it had been cancelled and that my check would be sent to me around XX/XX/XXXX by an employee initialled XXXX who was a supervisor. This was at a time that my account was cucrrent and no overdue payments at the time. No escrow check was ever sent to me. Instead the institution took it upon themselves to use my money that was no longer escrow without so much as speaking to me let alone getting my consent. The justification the company used was that my account was delinquent which is fundamentally not true. and the only reason it got to that point was because I was waiting for the check they told me would be sent to me that they withheld because i had not made the monethly payment BEFORE it was past due. I never authorized this company to use my money in any way, and again this is money from an old escrow account that had been closed in which this company had no permission to use.
Product: Money transfer, virtual currency, or money service

Zelle transferred bank services, I have lost money that wasnt returned. Nothing the bank could do about it. I bank with XXXX and I have been about of bank since 2014 and have lost over {$800.00} in funds over the years with zelle.
Product: Debt collection

This account was already disputed and removed once. It has been illegally bought and re-reported. The account was never updated upon leaving sprint and becoming an XXXX customer. They tried to charge us for a phone that was already paid off under the terms of the contract.
Product: Checking or savings account

To Whom It May Concern, I am filing a complaint against Capital One National Bank for failing to release my deposited payroll funds into my checking account, citing unspecified technical issues. 

Details of the Issue : Thursday, XX/XX/year> : I first became aware of the issue through social media, not from Capital One. After seeing multiple complaints from other customers, I contacted the bank at XXXX XXXX  and was informed of ongoing technical issues. 
Friday, XX/XX/year> : My employers payroll portal confirms that my paycheck was deposited, yet my funds are still not available in my checking account.

Capital Ones Lack of Communication : I did not receive any official notice from Capital One regarding this issue until after I had already discovered it myself. The bank has failed to provide timely updates or an estimated resolution timeframe.

Impact on Me as a Consumer : I have bills set on autopay, including rent and other essential expenses. 
As a single mother, this situation is causing severe financial hardship, preventing me from accessing money that rightfully belongs to me. 
The banks lack of transparency and urgency is unacceptable and directly affects customers financial stability. 

Requested Action : Immediate release of my deposited payroll funds.

Clear communication from Capital One on the cause of the issue and expected resolution timeframe. 
Regulatory investigation into Capital Ones failure to notify customers in a timely manner and their mishandling of direct deposits. 

Capital Ones failure to process payroll funds in a timely manner, lack of proactive communication, and disregard for financial hardship caused to its customers should be investigated. I request immediate action to resolve this matter.
Product: Credit card

Payments were posted to the same billing cycle ( month of XXXX ) and not applied to the correct month resulting in past due status on the account. I noticed the recent statement had a larger payment due than normal and indicated the account was past due. I called Capitol one and they said they received and posted a payment before the XXXX day of the month the payment was due therefore they were applied to the previous months cycle and caused the account to become past due. A 30 day late on my credit report is reported on the account, it has dropped my score XXXX pts from a XXXX to XXXX. Requesting Capitol one to send me a letter indicating that they will remove the 30 day late at the bureau level with XXXX XXXX XXXX so i can remove and get the account updated and repair the damage done to my credit report.
Product: Payday loan, title loan, personal loan, or advance loan

One main financial is constantly hounding me on line and by mail with fake offers. They gained access to my personal banking information and I fear they are trying to scam me. They did this to my senior mother as well. They guide you through an application and once they get your banking information they cut off. I did contact my bank and tried to revoke consent on third party. But Im feeling upset and harassed. They need to be held responsible for deceptive practices and harassing vulnerable people like myself, who lives with only being on SSDI.
Product: Credit card

On XX/XX/XXXX, I added a promotional offer to my Chase Freedom Unlimited card through Chase XXXX which promised a {$100.00} statement credit upon spending {$500.00} or more on the Chase XXXX XXXX. I made purchases totaling {$660.00} on XX/XX/XXXX. However, on XX/XX/XXXX, I noticed in the Chase app that the offer was not marked as redeemed, but instead, as expired. 

I contacted Chase Freedom customer service to address the issue. Initially, the representative claimed I had not added the offer. After I clarified that I activated it on XX/XX/XXXX, she then said the offer could not be redeemed because the transaction posted on XX/XX/XXXX, which she stated disqualified it from the promotion. I asked her if this restriction was explicitly mentioned in the offer terms, but she was unable to confirm and repeatedly stated there was nothing she could do.