23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

The lender is forcing the escrow to my account. 
Last year they bought the mortgage from the other lender and they just decided to add the escrow to my account even though I didn't agree on it with them or with the previous mortgage lender. I never received the letter about it but found out during setting up my mortgage payment. During settlement with the previous lender I check the box that I will pay my taxes and don't need the escrow, this lender decide to sent the money to tax collector and pay the taxes even they are paid already they added {$12000.00} to my mortgage and my credit dropped XXXX points because of that. They went and send {$10000.00} for property taxes and thanks god my tax collector didn't deposit the checks, but they credited my account even thir checks were not depositedand i never approved that. I tried to ask them why they are doing that they try to tell me that there is delinquent taxes on my account which wasn't true. I provided all the needed statements, checks and even a certified tax letter and I am just stock with them, they are not willing to listen, they even told me that the township call them and asked for the money that was a lie because I asked township if my bank lender called about my taxes and they said no. They did not stop harassment against me and I think that they are doing discrimination because of my first and last name, that how I feel. I even call them and they are saying that they can do that, even I have all proofs that all taxes are paid. 
PLEASE HELP, DONT KNOW WHERE AND WHAT TO DO ANYMORE.
Product: Checking or savings account

On XX/XX/XXXX XXXX transactions were made to XXXX XXXX. One transaction was for XXXX and the other transaction was for XXXX. The XXXX transaction was made in error so I reached out to XXXX the very same day and ask if they could reverse the {$420.00} charge. XXXX reversed the charge and sent it back to Netspend. I opened up a dispute with them as I was directed to do as they said the money wasnot sent back. Claim number XXXX. Netspend refunded XXXX on XX/XX/XXXX but didnot refund the additional XXXX. That is a total of XXXX which was what I disputed. I call them several times and was unable to get a resolution. They passed me around each time and it seemed they didn't have any notes in their systems. I let them know that I was not going to open another claim as this was their faults. If they look at the account, they would see two seperate transactions happened on that day to the same company. Im disputing the second one for XXXX. They are adding the XXXX ( which they refunded me ), but they have not refunded me the additional XXXX which is a total of the XXXX which I disputed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second-time requesting 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 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

WROTE letter to opt out ( jcp credit card services ) from sharing my personal info, and i did not give consent to any inquires that's being reported to my credit report! 
also i called all THREE credit bureaus and they refused to remove inquires ( AN PROMO INQUIRES ) which is a violation XXXX $ each promo i never gave no one consent to peek into my report that's illegal ' and violation of the privacy act of 1974 and violation of 15 usc 1681b 1000 $ violation each and i would like to collect. FOR EVERYONE WHO WAS Involved in this fraud
Product: Debt collection

This company Astra Recovery is starting up there illegal tactics again calling and harassing me, my job and now my mother. I keep going through this with them and they keep stating there not contacting me, but this time they are and I have witnesses that is willing to provide a written statement and get it notarized if necessary along with there statements on how this company is portraying themselves as lawyers getting ready to sue me in the court of law.
Product: Debt collection

Procollect.Inc contacted me two years ago to collect the debt that I did not owe. After receiving the evidence of the debt I found that the debt is owed to other person and I let Procollect to know that, but they kept trying to collect it from me. Finally it was disputed in XXXX 2016 by the credit bureau, XXXX, after I provided evidences to them. 

I got a letter from Procollect again about the same debt they tried to collect from me until last year, which I did not owe. 

I would like to remove this debt from my credit report and hope this will not happen again.
Product: Debt collection

Midland Funding. 
I never received any written that I could dispute. Also, i was on XXXX XXXX and had no income. Paid on it while working then as of right now I'm on XXXX and receiving XXXX and XXXX benefits. It takes every dime I get to get stuff or pay for things for my daughter 's school stuff and events, my bills and other stuff for my children.
Product: Bank account or service

In XX/XX/2008, my wife and I purchased a new home. We got a 5/1 ARM from ING. WHat made this mortgage unique, was that it had a rate renewal program attached. The way the rate renewal program worked is that if at any time over the course of the mortgage we wanted to lock in the current rate for another 5 years, rather than refinancing our mortgage, for a fee equivalent to our currently monthly mortgage payment, we could " renew '' our interest rate to the new rate for 5 years, and in exchange we would have a 1 yr pre payment penalty from the time we locked in the new rate. 

So for instance lets say when we first got our mortgage we were paying 5.25 %, and our monthly payment was {$1000.00}. And then in year 2, we saw that ING was advertising their 5/1 ARMS at 4.5 %. For {$1000.00} fee, we could switch from paying a 5,25 % fee for the next 3 years, to paying 4.5 % for the next 5 years. This way we could avoid all of the other associated refinancing costs, and if we had 28 years left to our mortgage, we 'd still have 28 years left. 

ING was purchased by Capital One. Recently we saw Capital One advertising their 5/1 ARMS refinance rates at 3.5 % We wanted to renew our rate at that 3.5 %. But when we went to renew, they said our rate would be 3.75 %. We asked why. 3.5 % was clearly the advertised rate. In fact they said if we wanted to go through the entire refinance process, we could get the 3.5 % rate as advertised. Their response was that they had a separate rate they were using for the rate renewal, and the available rate is only available when you log into your account. 

I tried to explain to them that by only offering a rate that was .25 % greater than thier advertised rate, they were effectively charging me an additional fee. As part of the rate renewal program, the only fee I should have to pay, is XXXX month 's mortgage which for me is about {$800.00}. The difference between paying 3.5 % over 5 years or 3.75 % over 5 years would be an additional {$2000.00}. Using their logic that they could have a separate rate for people in the rate renewal program ( this program is no longer offered ), they could effectively make the rate so high, that no one could ever use that option. 

I signed up for this mortgage, because I never wanted to have to pay refinance fees again, or go through all the paper work. When ING was still around, I never had a problem getting the advertised rate. Capital One bought ING, they bought the mortgages, and they should be required to honor all of the provisions.
Product: Checking or savings account

On XX/XX/2023 I went into a fuel station and proceeded to withdrawal some money out of the ATM. After putting in my pin and the amount I needed to be disbursed which was {$60.00} with a ATM fee of {$2.00}, the machine gave an error message and did not disperse any money. However, my bank account was still charged for the funds. I have filed a claim with my bank, and sent the receipt stating no money was ever giving. It has been almost a whole month an no resolution. I just want my money back because it is rightfully mine. The bank is refusing to give me my money after they have all of the proof. This bank, Bank of America has been going down hill for years. No managers have returned any messages that have been left. I am highly upset and disappointed. I just want MY MONEY!
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I received a phone call from XXXX XXXX XXXX indicating an account had been opened by me and they believed it was fraudulent. They said for them to reverse the funds I needed to send them the amounts via XXXX from my Chase bank. I transferred a total of {$1900.00}. Within minutes I realized I had been scammed so I called Chase to stop the pending transactions. I was provided with Claim Number XXXX. I received a letter on XX/XX/XXXX from Chase stating I was given a temporary credit for the total amount while they researched the transactions. Another letter dated XX/XX/XXXX followed stating the funds would be removed as they found the transactions were processed according to the information I provided or was authorized.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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 XXXXXX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

In XX/XX/2020 I opened a Citibank " Miles Ahead '' savings account with a deposit of {$50000.00} that offered a XXXX XXXX miles incentive for making a deposit and keeping it on deposit in the account for 90 days. I fulfilled the requirements of the incentive, and today wished to withdraw my funds. Citibank makes this process very onerous, and essentially has created a set of rules where I can only withdraw my funds by paying them a {$25.00} fee, which I would argue is not adequately disclosed until you ask to withdraw your money. 

Specifically on XX/XX/2020, when I went to transfer my funds back to my checking account at a local bank, Citibank informed me that the Citibank Miles Ahead account has outgoing transfer limitations of $ XXXX per month which they indicate is for " security reasons. '' However, if you pay them a {$25.00} fee, the " security reasons '' apparently are alleviated, and I can transfer my money immediately in a lump sum. Unless I wish to withdraw my money in increments of $ XXXX a month over a 3 month period, I would be forced to pay the fee. The only alternative offered was that I could visit a branch ( the closest which is several hundred miles away in another state ) or that I could close the account altogether and receive a check by mail in 14-21 days. I was inclined to do the later, however doing so would prevent me from receiving the account opening incentive, as Citibank has an additional requirement that the account must remain open ( although allowed to have a lower balance ) until the incentive is paid, which apparently can take as long as 90 days XXXX or longer based upon what I am reading online from many unsatisfied customers ). 

I spoke to a telephone representative at Citibank, and they were unwilling or unable to waive the {$25.00} fee. I researched this issue online, and apparently I am one of many, many customers complaining about this particular issue, and the charging of {$25.00} to simply regain access to my money in an efficient manner. Leaving me no other option to access my money in a reasonable timeframe, I was forced to pay {$25.00} to transfer the money out of my account on XX/XX/2020. 

The Terms and Conditions provided when I opened this account make no mention of these restrictions or fees. I have attached a copy of the document. 

I would request assistance in being refunded the unreasonable {$25.00} fee, and would further request that the CFPB look into the unreasonable access restrictions that Citibank has placed on accounts to limit consumers access to their own money without paying excessive fees.
Product: Debt collection

I received a letter from Convergent Outsourcing Inc. trying to collect a debt from XXXX XXXX XXXX that is time barred by the statute of limitations. The letter is dated XX/XX/XXXX for utility bill debt from XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

i sent letters on XXXX to the cra disputing the inaccurate and incomplete accounts they are reporting on my credit report. Per 15 USC 1681eb, IT STATES THAT ALL CONSUMERS INFORMATION HAS TO BE XXXX  % ACCURATE AND COMPLETE BEFORE REPORTING. THE FOLLOWING ACCOUNTS ARE INACCURATE XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I HAVE ATTACHED A COPY OF EACH BELOW FOR YOUR REFERENCE
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Equifax credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Equifax and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor The account need to be investigate and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX ...... Date Opened XX/XX/2017 XXXX {$2100.00}
Product: Credit card

Made a purchase on {$980.00} on XXXX XX/XX/2023. The statement was closed on XXXX XX/XX/2023 and I would expect to be given at least 21 days to make this payment. But, I see that the statement that came on XXXX XXXX came with a {$20.00} interest that was charged on the {$980.00} purchase, which is totally unjustified. The bank acknowledged this as incorrect interest but I wanted to bring to your attention that such incorrect interest were charged and may be going unnoticed with so many customer. My account has an active 0 % Balance transfer balance on the account as well.
Product: Credit card or prepaid card

I have had a Discover Credit Card for over 5 Years. Have always made my payements on time. I recieved an email from Discover stating that my account would be going through a verification and was forwarded to sign a document to confirm my identity with the IRS. I Signed and submitted the document as requested. Discover was informed that my taxes were not filed in 2021. I informed Discover that my taxes was fraudulently filed and going through a process to handle it. Discover stated that I would have to send 3 months of bank statements and provide a notarized letter that they provided to be signed. I submited the requested documents, they then emailed me about a week later stating that I had the incorrect notary form, which was a form that was sent to me by their customer service representative and was emailed the correct form. I contacted Discover about two weeks after to get an update, they stated i would have to wait for an email that i would get after my documentation is reviewed. A month later I still recieved no email from Discover or recieved any phone call. I had to call in to learn that they only had two bank statements when I confirmed with a representative that it was recieved and that an email was sent on XX/XX/XXXX to request the statements again, I recieved no email from them at all. The rep stated that it is nothing that can be done. I find it weird that I get all the other emails from Discover and it was confirmed that my bank statements were recieved then now its that they dont have them. This needs to be corrected, this is my highest card that I have. Discover is horrible for silently closing my account and trying to play games.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I noticed a hard credit inquiry on my credit reports from XXXXXXXX XXXX regarding a XXXX XXXX XXXX. I never, ever, requested to open this account. Unfortunately this happened because of a fraudster having my social security number and then trying to open a XXXXXXXX XXXX  account under my credit. I immediately notified XXXX about the fraud, and they undertook actions to stop any account from being opened. They then advised me that they would electronically send all the credit bureaus a notice to delete the inquiry from my report because it was unauthorized. Equifax has not done so, despite my many efforts with them to resolve this, including today, Saturday, XX/XX/XXXX. Yesterday, I uploaded 7 pages of documentation to Equifax, including the letter from XXXX stating the inquiry was unauthorized, as well as my FTC report, and a XXXX XXXX, NJ police report. This should have been more than enough information to support my issue, and remove the incorrect hard inquiry. However, now, per my conversation with an Equifax supervisor today, he states that my dispute was denied due to the fact that I did not upload my driver 's license and social security card. In addition, he stated that I would need to send them an " updated '' copy of my FTC report as the original one I uploaded yesterday was old, ( XX/XX/XXXX ). In my opinion, that should NOT matter, as the report was a record of what occurred at the time of the incident on XX/XX/XXXX, and nothing has changed regarding the original information, so there is no reason to have to update the FTC report. Furthermore, I don't even believe I CAN update it at this point because I went on the FTC site, put in all my information, including the report umber, and nothing is even coming up on me in their system. Please HELP me in this matter as it is getting close to 2 years now and Equifax is NOT doing their job in removing the unauthorized inquiry. As you are aware, it is against the law to report incorrect or inaccurate information on a consumer. Equifax must be held accountable. Thank you!
Product: Mortgage

On XX/XX/XXXX I called Freedom mortgage & asked for a pay off amount. They sent me an email for the wrong acct & name. XX/XX/XXXX I called again told them the wrong info was sent. Since I did n't want to get a late charge, I went ahead & made a payment for XX/XX/XXXX for {$510.00}. {$15.00}. was for a draft fee. A XX/XX/XXXX payment was applied for {$180.00} the rest of the money should of been applied to the principal. For some strange reason they applied it to the escrow acct for XX/XX/XXXX & XX/XX/XXXX. XX/XX/XXXX I once again asked for a payoff amount. The wrong amount was sent. 2nd phone call XX/XX/XXXX, I told them the amount was wrong, they put in a request to take the escrow payments for XX/XX/XXXX & XX/XX/XXXX. put against the principal. On XX/XX/XXXX I once again asked for the payoff. Once again I got the wrong amount. XX/XX/XXXX tried to get the payoff, still was n't correct. The lady I talked to put in another request to correct the XX/XX/XXXX payment. XX/XX/XXXX I called to see if they had corrected it. I was told the cash section said it was applied correct. The man I talked to said he could put in the request again. But they would n't put XX/XX/XXXX escrow back because then I would have to pay a late fee. He did n't know who to send a complaint to.
Product: Money transfer, virtual currency, or money service

XX/XX/2022 I called Western Union and was told that I would have to pay them {$15.00} for a copy of the money order that was stolen and cashed by someone during transit from the post office located on XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX. I should not have to pay for fraud that was committed by someone. They refuse to tell me who cashed the money order which is needed to file a police report. The money order is for {$20.00}, ( XXXX money order serial number ) and they want me to spend {$15.00} for a copy. A friend had a money order stolen and cashed also and paid {$15.00} for a copy of the front and back of the money order and Western Union kept giving them a blank copy of the back of the money order. They refused to show who endorsed and cashed it and kept giving excuses on why they couldn't provide this information. 

Please allow 6-8 weeks for processing this request. You will be notified by mail with one of the following search results : 1. Item cashed - You will receive a photocopy ( front and back ) of the cashed Money Order. 

https : //www.westernunion.com/XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2020 I file dispute letters to all 3 credit bureaus I have yet to receive anything from them. I understand with covid goin on things are slow but taking over three months to reply is not accpectable.
Product: Debt collection

COURT OF COMMON PLEAS XXXX XXXXXXXX Has reported to the credit bureau that I owe in arrears but have no proof that I took a loan out with the agency. Any negative item that is shown on my credit report is in a form of a loan. I didnt not take a loan out with this child support agency.
Product: Credit card

I applied for a Credit Card with Barclays Financial Institution and was promised a Balance Transfer within 7 to 10 business day. Barclays did not complete the balance transfer and I made the payment. I called Barclays to request that they cancel the transaction because it would be more paid on the account then owed. They refused to cancel the transaction since it was in process. The Manager XXXX explained it was out of his control to cancel. The department manager XXXX XXXX will be informed but is not able to make any changes.