23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Hello. Over the summer of XXXX my loan service provider was switched from XXXX XXXX to Freedom Mortgage ( current provider ). This was done outside of my scope of control without my authorization ( since companies are allowed to buy/sell contracts ). 

When Freedom Mortgage took over our account, they conducted an Escrow Assessment. They recognized that we had an excess escrow amount of {$3200.00}. This assessment was done prior to XX/XX/XXXX. We received an email from them around the end of XXXX notifying us of this payment due to excess escrow. 

By law, the service provide must provide payment within 20 days from the date of the analysis ( as long as all mortgage payments are up to date ). 

Fast forward to the XXXX of XXXX and my wife calls asking where our check was. They said they mailed it out on the XXXX and we still not receive it ( 3 weeks ). Freedom mortgage then said they would cancel that one and issue a new one. I then call on Monday XX/XX/XXXX asking the status of the second check. They informed me at that time they had no information about it being issued. But advised they could instead do an electronic funds transfer and that they would cancel the second check. 

I called back the following day to check the status of the electronic funds transfer and after speaking with a manager I was told that the request was cancelled internally by their company. They not only cancelled the two checks, but they also cancelled sending my wife and me our money via electronic means. They stated they weren't allowed to distribute excess escrow via electronic transfer, even though another one of their reps explicitly told us the day before they could. 

When I spoke to the manager she stated they would mail ANOTHER check, and it would take 5 days to process, then XXXX weeks to be delivered by mail. At this point it is extremely clear that the company is breaking the law and holding/withholding payment of excess escrow. This is governed by law and in now way did they attempt to rectify the situation in anyway. They told us we had no choice but to wait. We are past the 20 days and are about to past 30 days. They need to electronically transfer our money immediately. By law they can be sanctioned or face penalties for withholding money. This is not a good faith effort or attempt whatsoever and are delaying tactics designed to prevent disbursement as long as possible. Their reviews on XXXXXXXX XXXX, and many other websites attest to these fraudulent schemes that they consistently employ ( thousands of 1 star reviews ). It is sickening ( and extremely illegal ) how much they are taking advantage of Veterans!!!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Subject : Demand immediate removal of unauthorized credit inquiries from my credit report I am writing to you under the Fair Credit Reporting Act ( FCRA ), which protects consumers from having inaccurate or unauthorized information on their credit reports. I have identified inquiries on my credit report that were not authorized by me : 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 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 XXXXXX/XX/XXXX These inquiries were made without my consent and are a violation of my privacy and consumer rights. The FCRA requires credit reporting agencies to ensure the accuracy and privacy of information contained in consumer reports. ( consumerfinance.gov / files.consumerfinance.gov ) Therefore, I demand the immediate removal of these unauthorized inquiries from my credit report. I am enclosing a copy of my credit report with the disputed inquiries clearly marked for your reference. 
In addition, please request that I provide you with an updated report once the appropriate corrections have been made. 

I appreciate your prompt attention to this matter and look forward to your response. 
Sincerely, XXXX XXXX XXXX XXXX.
Product: Debt collection

Worldwide Asset XXXX, LLC has garnished my entire paycheck for the next three months. Everything I make after taxes is to be sent to them by my boss. This leaves me with XXXX income, how am i supposed to live? I do n't even remember what this debt is from, and i do n't remember charging such a large amount, ever.
Product: Credit card or prepaid card

XX/XX/XXXX, I made a purchase from XXXX using their automated telephone service. They added on multiiple fees that were not upfront so when i finalized the transaction it was much more money that I had intended to spend, the total amount was {$430.00}. Immediately after, I called back and requested to cancel the transaction. I was told by the representative that I could not cancel. I then immediately called my credit card company ( Citi Cards ) and told them I wanted the transaction cancelled, no merchandise or services were exchanged. The Citi representative told me I had to wait for the transaction to 'post ' before they would dispute my charges. On XX/XX/XXXX the charge finally posted and I opened up the dispute. XX/XX/XXXX I got an email that the dispute was resolved but no information was posted to my account, i had to wait until XX/XX/XXXX at which time I was informed that they found in favor of the merchant XXXX. In their statement, XXXX alleges that I was informed of their non-return/cancellation policy but in fact i was not provided that information at the time of purchase. I only found out about it when they submitted it as a defense. I sent Citi Cards a page from my mobile account showing the phone call log where i attempted to cancel the transaction and then immediatly called Citi Cards. Citi told me that was not enough evidence and XXXX refused to cancel, they threatened that if i called my credit card company to cancel the transaction that i would never be allowed to use their services again, at which i responded that i didn't care about ever using them again. XX/XX/XXXX, i got an email from XXXX, it says that the 'seller ' has not received the tickets and therefore can't give them to XXXX to give to me. So two things, firstly, XXXX is selling merchandise/service for something that they DONT HAVE, they are selling something that the seller doesn't even have! Secondly, this is in fact ticket scalping and ticket gouging, getting tickets and reselling for prices far beyond their actual value. I submitted this new information on to Citi Cards and they still will not protect my purchase and cancel the transaction. I was charged {$430.00} for two tickets, on XXXX you they are selling for {$100.00} each. They charged more than double the price and they are not premium seats.
Product: Credit reporting or other personal consumer reports

I listed all the inquiries doesn't belong to me
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX-Home was flooded, filed claim with my insurance.

XX/XX/XXXX-Th e checks from my insurance were to be released through my mortgage
lender Chase Bank upon inspection of repairs checks were to be released in thirds to myself and contractor. 

XX/XX/XXXX- As the repair job reached the end the last payment was to be released I found out my Contractor was Unlicensed and I started finding his work to be below standards, he also turned in to my insurance for services and materials I never received. In California as an Unlicensed contractor he was only allowed to collect for each claim {$500.00} per claim, he ended up receiving well over $ XXXX, this is fraud and neglect on his behalf and I am in the process of pursuing legal action against him for this. Chase Bank released the last amount of repairs to me but they put my name and the contractors name on the check so I can not cash it to complete the rest of my home repairs. 

XX/XX/XXXX-I called Chase and they said they would not change the check with just my name on it until I mailed him the same letter certified 3x times asking do I owe him more money for the job? I even went into different Chase Branches asking for their help to correct this and they would always send me back to the same department. 

XX/XX/XXXX-I have since mailed my old contractor the letter ( one time only ) the bank says I needed to send him, but I have not received a reply from him. I do not owe him anymore as he has collected well over the legal amount he was allowed to receive. Even though I told the bank this information they still refused to change the check until I send him the same letter
Product: Credit reporting, credit repair services, or other personal consumer reports

Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted. 
XXXX XXXX - this account doesn't belong to me. 
Action Requested : Please delete XXXX  XXXX XXXX XXXX - this account doesn't belong to me. 
Action Requested : Please delete XXXX XXXX XXXX - this account doesn't belong to me. 
Action Requested : Please delete XXXX XXXX XXXX - this account doesn't belong to me. 
Action Requested : Please delete XXXX XXXX XXXX - this account doesn't belong to me. 
Action Requested : Please delete XXXX XXXX - this account doesn't belong to me. 
Action Requested : Please delete XXXX XXXX XXXX - this account doesn't belong to me. 
Action Requested : Please delete XXXXXXXX XXXX XXXX - this account doesn't belong to me. 
Action Requested : Please delete XXXX XXXX XXXX XXXX - this account doesn't belong to me. 
Action Requested : Please delete XXXX / XXXX - this account doesn't belong to me. 
Action Requested : Please delete XXXX XXXX - this account doesn't belong to me. 
Action Requested : Please delete
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC, 1681-B A Intends to use information as Experian violated my consumer protection rights FCRA With a a company XXXX which was opened on XX/XX/XXXX and closed in XX/XX/XXXX with negative information on my credit report surrounding this account.
Product: Mortgage

We tried twice to get a loan modification through Wells Fargo, who owns our now old mortgage servicer, America 's Servicing Company. At one point, we were told verbally that they did not own America 's Servicing Company although Wells Fargo listed them as a servicer for them. At NO TIME during our attempts to get a loan modification were we offered a forbearance, as I understand we should have been. On our third attempt, we were finally approved, and had a three month trial period for our loan modification. The three months consisted of XXXX XXXX, XXXX XXXX, and XXXX XXXX. We had made the payment for XXXX. I received a call from our Home Preservation Specialist, XXXX on XXXX XXXX, asking about the payment for XXXX. I informed her that I had tried making that payment over the phone AND online, but that neither service would let me. She then tried to get me to make the payment over the phone, but I told her it would have to wait until I got to work, as I was driving. She had previously stated that we had until the end of the month to pay XXXX 's payment. Later that night, I called and made XXXX 's payment, setting the date on it for the XXXX, so my paycheck would have time to hit my account before the payment did. On XXXX XXXX, XXXX, we received a letter in the mail, stated that our loan had been transferred from Wells Fargo ; it also referenced another " communication '' that we supposedly received. It stated that our loan had been approved for a Loss Mitigation Option. Not knowing anything about the transfer or anything in this letter, I called and talked to XXXX. She told me that they had sent out a good-bye letter on the XXXX of XXXX, with the details of the transfer. According to her, the loan modification should stay the same. 
The other homeowner had called on XXXX XXXX and spoke to XXXX and was told that the letter we had received on the XXXX WAS our notice, and that the new company was supposed to go by the terms of the loan modification. I called them back even though I was at work, because she had just been told something completely different. After a series of transfers, questions that some would n't answer, being hung up on once, I ended up on the phone with someone who I believe was named XXXX. Even though we never received the notice that they were claiming that they sent on XXXX XXXX, she claimed that their records are " enough notice '' per RESPA. She then proceeded to tell me that the payment I submitted on XXXX XXXX & got a confirmation number for had been cancelled, instead of sent to the new servicer. I was told by a gentleman at XXXX at that time that we had 60 days to make the payment, with no worries about late fees or anything. 
Upon speaking with XXXX at XXXX on XXXX XXXX, I was informed that our loan modification was denied because no payment had been made for XXXX ; even though I had made that payment to Wells Fargo and THEY were the ones to cancel it instead of forward it. I was then told that we could apply for a loan modification with XXXX.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report. I was shocked to learn that I have been victim of identity death. I found numerous accounts on my credit report that were not opened by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX XXXX XXXX XXXX this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Credit card or prepaid card

I opened a chade ink business card in the branch the teller told me my first year would be waived but I found out its not. I tried calling chase about it and they stonewalled me. They want me to go into the branch and have the branch manager call them to admit some type of mistake happened I just dont have time to drive down there and deal with this right now but I do feel misled about the first year not being waived.
Product: Credit reporting, credit repair services, or other personal consumer reports

i did an investigation into my credit report which really saddened me and caused sever XXXX upon me and found many inaccurate and very questionable items that your agency should have made sure were reporting 100 % right and accurate. 

the fair credit reporting act clearly states that every thing must be 100 % accurate and there should be no inconsistencies throughout the three credit agencies and under 15 USC 1681e ( b ) and 15 USC 1681i ( 5 ) these accounts are in violation of not reporting accurate ...... 
account name : XXXX XXXX account number : XXXX ... .... 

account name XXXX account number : XXXX ... .... 

account name : XXXX XXXX XXXX  XXXX account number : XXXX ...... 

account name : XXXX  XXXX account number : XXXX ... .... 

account name : XXXX XXXX XXXX account number : xxxxx ...... 

account name : XXXX XXXX XXXX account XXXX ...... 

account name : XXXX account XXXX ... ..... 
i have already disputed these items to no avail i have the tracking numbers also enclosed and a highlighted copy of my credit report showing all inconsistencies that the credit agencies ignored i want to know how these accounts were validated if no one called any family friends or employment for verification as is the law i want all records of said verification or deletion of these account i gave no one written permission to anyone to add any thing to my consumer report
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

Please remove these items immediately : 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 card

This account represents a clear breach of contract and is fraudulent in nature. The bank failed to provide me with essential information regarding this fraudulent account, which is a direct violation of my rights as a consumer. Therefore, I urgently request the Consumer Financial Protection Bureau ( CFPB ) to handle this matter directly, as the bank 's actions have resulted in significant harm to my financial well-being. The account is : BANK OF AMERICA XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX I answered an ad on the computer for XXXX XXXX XXXX from the XXXX XXXX company it was an introductory offer, I paid less than {$5.00} for each one I received them 5 days later, on XX/XX/XXXX I saw two charges made on my credit card that weren't made by me I immediately called the XXXX XXXX XXXX to report this the charges were {$84.00} and {$89.00} I filed out the dispute form and sent it back, they closed out the dispute without even trying to get the charges taken off, I made several calls to the Bank and got nowhere, on XX/XX/XXXX I had two more charges on my credit card the first two charges that were made I never received anything on XX/XX/XXXX the two charges were {$89.00} and {$93.00} again I called the XXXX XXXX XXXX and I filed out another dispute on XX/XX/XXXX I received a package from the XXXX XXXX company I took it to the post office and sent it back refused they received it back a few days later, I asked XXXX XXXX to remove the charges and they sent me a letteron XX/XX/XXXXtelling me they were mine so I am stuck my credit score has dropped and my life has been ruined because of this my only source of income is social security, I have sent a complaint to the XXXX XXXX XXXX and to date nothing has been resolved I am in hopes that you can help me as a result of this I have had my credit card maxed and several charges put on my credit card from the unpaid balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items 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 : XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  CA XXXX XXXXXXXX XXXX XXXX XXXX XXXX  CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CA XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$620.00} XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I was notified this morning via email from PayPal that my account is permanently limited for violating their acceptable use policy. The notification went on to say that my entire balance will be held for 180 days. I called PayPal and was told that some type of back office group of management has decided that my account should be restricted and that they do not have a way to find out why this has happened. 

My current account balance is {$19000.00}, which has been made up of many charges over the last year. I expressed concern over this process and my entire account balance being held hostage for 6 months when the funds go back further than their 6 month return policy. I was told they dont keep track of that so they just hold the entire balance regardless of how much falls within their 180 day return policy. 

I spoke to a supervisor and was again told that he is not provided the reason my account was restricted, and he had no way to find out. He said that that the entire balance is held just in case someone requests a refund over the next 6 months. I explained that I provide XXXX XXXX  and this balance has accumulated over the last year from sales ranging from around {$15.00} o {$2500.00} and that my clients have never requested a refund and that if they ever did, I would refund them myself in a heartbeat. 

He agreed to submit my account for another review and that I would get an email shortly. I received an email a couple of hours later with the subject " PayPal appeal denied '' which indicated that my account will remain permanently limited and that my entire balance will be held for 180 days.
Product: Debt collection

I opened up an account with XXXX for a purchase of a moped. I stopped receiving notifications of the debt. They turned it over to a collection agency and then covid hit. The day after restrictions were lifted, this company sold the debt. I set up automatic payments with this company. There were taking money out of my account every month. In XXXX, I received a call from XXXX XXXX stating my payment was missed. I double checked my account and it was taken out. They wanted me to make a payment with them over the phone. I assumed this was a scam. I called my bank and they said the money was taken from my account and transferred the payment to XXXX XXXX XXXX. I called the supervisor I set the payments up with. He told me there was something wrong with their system and everything had to be re-entered. He asked that I send him proof of payment, which I did. He told me not to make a payment with anyone that he would fix it and if anything else was needed he would call me back. I even received an email thanking me for the phone call. I never heard back. My co-signer just received notification it was sold to another company and I have not made a payments. I am not sure how they can sell it and try to say I have not been making payments when they were set up automatically.
Product: Checking or savings account

Since XX/XX/XXXX, Somebody has been using my Chase debit card to pay, and I have not received any notifications from the bank regarding my balance. All of the {$510.00} on my card has been used. The odd thing is that I just opened this account last month, and I have not used this card for not a single time ever since I made two deposits, plus the card was never stolen or anything, I never showed it to anyone too.
Product: Credit reporting or other personal consumer reports

I filed a dispute on inaccurate information on my credit report on the below accounts : XXXX XXXX XXXX This violates the fair credit reporting act 15U.S.C1681I in consumer law. Credit report has incorrect amounts on accounts. I recently was notified that CFPB has filed a law suite against the company Experian. CFPB alleged the company excepted unreliable information and failed to notify consumers dispute results. This aligns well with my situation. Experian has not attempted to remove nor correct any information and has violated federal laws. I'm requesting these derogatory remarks be immediately removed as it is affecting me to purchase a home. 

Thank you.