23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Hi, I refinanced my loan with Capital ONE mortgage in XXXX. At the time of refinance I was asked to open an Escrow account for my insurance and property tax deposit with the option of closing the Escrow account in a few months. However, when I called Capital ONE to close my escrow account last year, I was told that Capital ONE requires me to have loan for atleast 1 year to close Escrow account. 

I called up Capital ONE customer care after 1 year on XXXX XXXX, XXXX and now I am told that Capital ONE requires me to have the loan for 2 years to close escrow account. When I questioned the Capital ONE representative about this policy change for existing customers, I was told that there is a new federal policy that requires me to have loan for 2 years to close escrow account. However, I did n't find any changes to federal policy for closing escrow account. 
Additionally, When I requested Capital ONE representative to share a written federal policy with me, I was told that it is an internal policy and they do n't have a written documentation for this policy change. 

I need your help to close my escrow account with Capital ONE. Due to following reasons, I feel there are some malpractices going on in capital one to cheat customers and push them to have escrow account with Capital ONE. 

1. For existing loan accounts Capital ONE ca n't change Escrow account closure rule to have loan account from couple of months to 1 year and then to 2 years rule. Any policy change should be applicable for new loans. It ca n't be retroactive. 
2. Despite of repeated requests, Capital ONE is not providing a written documentation of this policy. This is a big red flag to me. Bank should provide any policy changes in written. 
3. Capital ONE representatives are misguiding customers by referring to changes in Federal policy for escrow account closure. As I said earlier, I did n't find any federal policy change for escrow account. 

I would request you to take up this matter with Capital ONE to save interest of millions of mortgage customers of Capital ONE.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX amount XXXX us department of education filed ftc report I am a victim of identity theft please remove and block account XXXX  found to b unverifiable transunion and XXXX  still reporting the account
Product: Debt collection

I was sent a letter from XXXX stating that there is a debt from XXXX XXXX from someone else 's XXXX account paid on a bank account that is not mine. I have provided the information for whos debt it is and I have given them her drivers license number and her address yet I am still getting the correspondence. I even attached a letter from XXXX stating that the purchase was not done from me and on someone else 's account. 
I was told I can file a police report and label it as Identity Theft but there is no identity theft it was not my card used it was not my bank account used it was not my XXXX account used. I have spoke to XXXX a supervisor at XXXX multiple times. I have spoken to XXXX at XXXX. I have spoke to both XXXX and XXXX who are supervisors at Telecheck which have asked me to call XXXX and talk to their dispute department. When I called XXXX I was told by XXXX that the dispute department does not have phones and cant talk to anybody on the phone and everything has to be done in writing.
Product: Debt collection

All of the above categories apply. This company, XXXX XXXX, contacted my husband XXXX XXXX on XXXX XXXX, XX/XX/2014. The representatives name was XXXX XXXX. She did not state that this was an attempt to collect and a debt nor did she verify she was actually speaking with the proper person. He told her to speak to me and handed me the phone. Again she did not inform me that this was an attempt to collect a debt, or that the call may be monitored or recorded for quality assurance, etc. She stated my husband owed almost {$4000.00} for damages to XXXX housing that we had moved out of over 9 months prior. When I asked for documentations of charges, she had another person, XXXX XXXX, email me our move out check list ( which I already had and does not state this amount ) as well as something handwritten on hotel stationary. When I called her back and told her that this was not acceptable, she stated that she did n't have to provide us with anything else and she would pursue legal action. She was incredibly rude and hung up on me. I faxed over documentation from the XXXX housing 's maintenance department that showed consistent contact between myself and maintenance to have my carpet fixed due to error on the maintenance workers part. We stopped hearing from this company after that until yesterday, XXXX XXXX. Within 2 hours, the same representative, XXXX XXXX, called both my husband and my cell phones XXXX times. The XXXX time I answered she did not verify my identity or tell me it was an attempt to collect a debt and started out by stating she never received our carpet documentation and my husband needs to settle this account. She stated that we signed the lease ( I was nowhere on this lease due to the fact that it was XXXX housing ) but told her I had a copy of that and the move-out inspection which shows different than whatever documentation she has. Again she refused to provide us with any documentation of this alleged debt and I told her I knew my rights as a consumer. She hung up on me. An hour later she called back and said " XXXX and once again hung up on me.
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 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 XXXX  has violated my rights. Or 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: Credit reporting

This complaint is not an acknowledgement of the debt, and is not an indication that payment will be made. The goal of this complaint is to bring forth a FCRA violation by XXXX, Experian, XXXX, XXXX ( original creditor ) and XXXX ( or XXXX ; collection agency ). 
I currently have a {$6400.00} collection from XXXX XXXX ( aka XXXX ) illegally appearing on my credit reports. The Original Creditor of this account is XXXX. Upon reviewing my ENTIRE statement history from XXXX ( attached ) it is clear that the date of first delinquency of this account is on or before XXXX XXXX. By the XXXX XXXX report, the available credit limit was {$0.00} - in other words, my credit had been REVOKED, as the account was in serious delinquency. This date explains why the XXXX tradeline does not appear in any of my credit reports. However, the XXXX XXXX tradeline appears since it misrepresents the date of first delinquency. Based on the date of first delinquency of XXXX XXXX, the tradeline should appear on my credit reports until XXXX XXXX. I am writing to request that the credit bureaus ( XXXX, XXXX and Experian ) immediately delete this tradeline. I am also writing to request XXXX ( as required by law ; and as the original creditor ) to instruct the credit unions and XXXX XXXX to stop reporting this tradeline. I am also writing to require XXXX XXXX to immediately stop reporting this tradeline.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

In XXXX of XXXX I purchased a NetSpend card ( XXXX # XXXX ) to pay a bill online. I put {$360.00} on the card. Due to the fact that I had just gotten married and was in the process of changing my identification with the state of MN, I had not received my official driver 's license yet, they could not allow me to use my card online. For a " Financial Institution '' they can't use a state issued temporary card as proof of identification? That is untrue because my own bank uses it as identification. I ask Net Spend on XX/XX/XXXX to close the card and send me a check in the mail to refund my money. 
On XX/XX/XXXX I called NetSpend complaining that I had not received my check. They told me that check # XXXX was issued in the amount of {$360.00} to me on XX/XX/XXXX and was mailed to my address. I verified the address with them as well as the name they sent the check to. That information was correct so there was no reason I had not received my check yet. I asked on that day that they cancel the original check and reissue a new one. I was assured that a new check was being sent out that day. 
Today, XX/XX/XXXX, I called again complaining that I have not received my check yet. They said that a check issued in XXXX and I was to wait for that one. I told them that was unacceptable. He offered to reissue a new check, again. I said that was unacceptable because I was told last time that a check was issued and never got it. When I asked to speak with a supervisor he offered to put in a complaint for me. The person I was talking to didn't speak good English so I could hardly understand what he was doing. I asked to speak with a supervisor without being disconnected because that has happened plenty of times before. I asked them to reactivate the original card so that I could at least have access to the money. The supervisor, XXXX, informed me that their back office would have to investigate what happened to the check. I have to call back on Friday to see what their answer is.
Product: Checking or savings account

Hello I'm XXXX XXXX I had an account with boa years ago. During that time I was a victim of fraud due to the fact that I cought it in time for the bank suffered no loss my question is what have they put a lifetime band on me as if I'm some criminal. I fully corporated with them as well as press charges against the individuals that did it. So why did they block me from banking with them. I have contacted the several times to try and rectify this situation but only was given the clod shoulder. I went into a branch and was told to call when I called I was referred back to the branch..
Product: Mortgage

Ref : Refinance Loan on XXXX XXXX, 2015 : This is an Formal QWR PMI bait & switch Complaint against " Ditech '' Ditech Financial LLC, XXXX # XXXX, A- Incomplete QWR and Fraudulent PMI Document ( Bait & Switch ). 
1. I received from first lender XXXX the original PMI a XXXX at closing XXXX XXXX, 2015 a document that specified XXXX of XXXX pages, but was ONLY given page XXXX of the XXXX pages. I was told by loan originator XXXX XXXX 's staff the PMI payment document reads the PMI can be cancelled after 2 years if no late payments and if the ( L/V ) Loan to Equity Value is enough to get 78 % loan to value ratio then the PMI cancellation application can be applied within a two year period. 
2. When I applied for an application form Ditech, they did a ( Bait and switch ) and submitted a totally different XXXX PMI document and has denied the PMI can be cancelled in 2yrs and Ditech NOW claim the PMI can ONLY be cancelled in the year XXXX.
Product: Credit card or prepaid card

XXXX charged my card {$75.00} on XXXX. Then on XXXX they charged my card again for the SAME amount. I disputed the charge. The XXXX receipt that XXXX provided to Citibank references the XXXX trip. Yes, XXXXXXXX XXXX response proved my point. 

I received no goods or services for the XXXX XXXX charge. I painstakingly provided Citibank tons of documentation yet they still aren't able to process the information. They simply can't understand it. I just received a letter from Citibank that states they didn't receive a " complete response '' among other falsehoods.
Product: Debt collection

I opened an account with XXXX XXXX XXXX several years ago. On or around XX/XX/2023, I suffered financial hardship due to health issues and could not keep up with and pay my monthly payments. I called up XXXX around this time and was placed into what I thought was a deferment program. XXXX stated that I would not have to make any payments until XX/XX/2023 and that my past-due balance would not be due until XXXX. By enrolling into this program, XXXX validated several times that I was protected from being sent to collections. 

On or around XX/XX/2023, I contacted XXXX about the past due balance that I owed them, and we came to an agreement/settlement that the {$300.00} past due balance would be settled for {$260.00} ( please see documents of this being paid in attachments ). From there, I thought that my account was taken out of deferment and was reactivated. 
On or around XX/XX/2023, I received a letter in the mail from Sequium Asset Solutions , LLC. They stated that I owed them for this XXXX Account for the debt that I had settled with XXXX on XX/XX/2023. I immediately called XXXX and spoke to several customer reps and supervisors ; none of them had any record of this debt being sold to Sequium Asset Solutions. After several hours on the phone with XXXX, they stated that my account ending in XXXX was current and no prior debts were due from the deferment. 
I then called Sequium Asset Solutions ; upon speaking with them, they refused to acknowledge that my debt was already settled with XXXX, and insisted that I owed them the {$300.00} with an additional {$260.00} in fees. Upon speaking with them, they stated that failure to pay these debts that had already been paid and that they would take legal action if necessary. They refused even to consider that I had already settled these debts with XXXX. I then said I would take this matter to the CFPB, in which they hung up on me.
Product: Debt collection

I disputed this item with the credit bureau and the collection agency. United Collection Bureau violation of Hippa is all the reason to remove the item from my credit. I asked for verification of this collection and the company didnt provide the proper verification. This collection was removed from XXXX and XXXX however XXXX has said that debt is verified on a couple different occasions. This is false and incorrect information being reported and told to me via experian.
Product: Credit card

I 'm trying to get a mortgage, a credit report was pulled on me for the first time in many years. It revealed a credit card account with an account balance of {$6000.00}, opened in XXXX of 2007, with USBank. I know nothing about this account, and have never had an account with USBank. Someone has been making payments of {$40.00} per month on the account and my credit rating has thankfully not been impacted. 

I checked with USBank, a branch office in my town of XXXX Wyoming, and they have no record of me, or of the account. 

I filed a dispute with XXXX, they said it will take 30 days. I 'm trying to get a mortgage and I need this removed from my credit report asap. I want USBank to get on this right away, I ca n't afford to wait 30 days. 

I 'm afraid that an employee of USBank has fraudulently opened an account in my name and is making payments on it to disguise its existence, and it only became apparent when my credit report was pulled.
Product: Debt collection

I was in a car accident XXXX XXXX and after I received all of my medical bills including my medical bills that was charged to me for my insurance company to handle/pay for me and I have my paper trail of that in my files on my car insurance app so I dont understand why this place is trying to add this on my report with that has already been handled by my insurance company already this 2year line that has been affecting my credit and I am LIVID about it because this bs has BEEN handled not this bs isnt doing nothing be affecting the XXXX  out of my credit. My hospital and ambulance bill has BEEN paid by my insurance company and it shows and when I look this up its not real XXXX? What is that?
Product: Credit reporting, credit repair services, or other personal consumer reports

Improper use of your report ( shared without consent, credit inquiries from unknown sources ). 
Reporting company used your report improperly ( obtained or used for purposes that aren't allowed by law ). 
Credit reporting, credit repair services, or other personal consumer reports. 
Credit reporting
Product: Credit reporting or other personal consumer reports

I am sending to address the adverse marks on my credit file that have been attributed to me. While I would willingly acknowledge and assume responsibility for any valid debts, I am unable to do so in this case without Proper Validation and Proof Of Claim. As per the Fair Debt Collection Practices Act ( FDCPA ), I am formally requesting comprehensive validation of the alleged debt. 

I seek evidence establishing that I am the party obligated to settle this debt and that there exists a legally binding contractual obligation compelling me to do so. For clarity, I request that all communication be limited to written correspondence until adequate validation of the purported debt is provided. To assist you in meeting this request, please furnish the following required documentation : Complete payment history, as per the precedent set by XXXX v XXXX, XXXX XXXX XXXX ; XXXX XXXX. App. XXXX XXXX Provide a detailed verification by line item, including information on the purchase date, itemized amounts, receipt of goods, and any relevant details directly from the XXXX XXXX. 
Date of Last Activity. 
Full, accurate social security number that may help to identify me as the correct person you are trying to collect from. 
Agreement that bears the signature of the alleged debtor, indicating the commitment to pay the original creditor. 
The obligation between your company DISCOVER, XXXX, XXXX, XXXX and me that authorizes the collection of the alleged debt, along with any transactions binding me to an agreement to pay your company. 

Proof of photo identification ( i.e., driver 's license, state identification card, or other government issued identification card ) presented at the time of incurring the debt. 
Letter of sale or assignment from the original creditor to your company, including any agreement with your client granting the authority to collect on this alleged debt. ( Agreement with your client that grants you the authority to collect on this alleged debt. ) XXXX XXXX XXXX XXXX Services, XXXX, XXXX XXXX XXXX ( XXXX  XXXX XXXX, XXXX ) - information relating to the purchase of a bad debt is not proprietary or burdensome. 
Any other pertinent information regarding the creation of the debt by your collection agency like ( 1. Where the debt originated from, 2. ) The sum paid by the bad debt buyer for the plaintiff 's debt, 3. ) How the total amount was determined, and 4 ) A list of documents that authorize the collection of debts. )
Product: Payday loan, title loan, or personal loan

At the end of my previous complaints, a USAA representative and I discussed my receiving an official letter explaining their investigative process and the actions taken to insure that this does not happen to anyone else. In a phone conversation with this representative I was assured that a letter would be sent to me for my records. I attempted to contact this representative, and had to leave a message. There has been no response of any kind since then. USAA has failed to uphold their part of the agreement. I want to know what action for breach of verbal contract can be taken by the government to protect other consumers from this lack of good faith on the part of USAA. This issue has not been resolved as per agreed to and needs to be reopened until USAA has fulfilled the stipulations of the agreement.
Product: Credit card

Synchrony and the store cards that use Synchrony are now charging {$1.00} per month for a paper statement. This is outrageous for those that rely on or prefer paper statements. Being forced to receive email statements opens consumers up to excessive missed payments and fees.
Product: Checking or savings account

Subject : Discrepancy in ATM Deposit Request for Resolution Dear CFPB, I am writing to bring to your attention an issue regarding an ATM deposit I made on XX/XX/XXXX with Bank of America. I deposited {$350.00} at an ATM ( ATM ID : XXXX ). However, the machine only registered {$50.00} and displayed a message instructing me to contact Bank of America Claims Services if I disagreed with the amount ( see attached for reference ).

Despite this discrepancy, the full {$350.00} was credited to my account on the same day. However, on XX/XX/XXXX, {$300.00} was debited from my account, labeled as a " shortage in currency '' with the reference ID XXXX ( see attached for reference ). 

I promptly contacted Bank of America and filed a claim to rectify this issue. Unfortunately, I was informed that a full review had been conducted, and no further action could be taken. I also requested the ATM footage be reviewed to verify the deposit, but I was told that this could not be provided. The supervisor I spoke to was Will and his employee ID is XXXX. 

This situation appears to be a clear error by the ATM, and I urge you to help me so that this can be addressed with Bank of America and to prevent similar issues with others in the future. 

Thank you for your attention to this matter. I look forward to your assistance with this matter. 

Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

Schwab is Blocking all retail investors from accessing their accounts
Product: Payday loan, title loan, or personal loan

In XX/XX/XXXX i made an additional payment of XXXX to my loan at speedy cash to bring down the balance to XXXX. I had problems to make that extra payment already. I had to go through multiple people to even get them to take the extra payment. After I got it they said i still had to pay XXXX dollars for 12 more weeks to Pay off the account. Explained thats not what was explained to me, that the interest payment on XXXX is no where near XXXX.