23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I am submitting a complaint against my current mortgage servicer, Freedom Mortgage. I originated and closed a loan with XXXX XXXX  on XX/XX/2023. My loan was then transferred to Freedom Mortgage on XX/XX/2023. 


I had received a tax bill in the mail and had reached out to XXXXXXXX XXXX regarding this as we have an escrow account within our mortgage to have taxes and insurance paid out by the mortgage company. I also provided my most current mortgage statement to them, and after further looking into the statement, it shows that Freedom Mortgage was only collecting for Insurance and not taxes. 



After looking at our Closing paperwork, myself, and a representative from XXXX XXXX reached out to Freedom Mortgage to see as to why they are not collecting for Taxes. Freedom admitted that it was a servicing error on their end that taxes were removed from escrow. Freedom did not have an answer as to why they had removed taxes from the escrow account. Freedom will now start to escrow for taxes for the future and have the current tax bill be paid out of my escrow. However, Freedom confirmed that an escrow analysis will be ran next year in XXXX and because I was paying a lower amount into escrow, I will now have a shortage in my escrow account, which will impact my payment and increase it.
Product: Credit card or prepaid card

Received text on XX/XX/2020 that my credit card payment was overdue and that there was a {$15.00} fee added to my balance. Called few minutes later and told representative I never received my statement by mail like I had before. Representative told me I agreed to receiving my statements by e-mail back in XXXX but I never spoke with anyone that I can remember concerning that but was assured that I was sent my statement by e-mail. I checked my entire e-mail list for XXXX and XXXX and never once saw that e-mail. After telling them I was not aware of the change, they waved the fee but I'm reporting to inform you just in case this is an intentional tactic to see how many people Regions financial services can trick into paying an additional {$15.00} fee to increase there own profits.
Product: Debt collection

I check my credit at least twice a week due to identity theft last year. I noticed that a company called XXXX XXXX XXXX had an inquiry on my XXXX file dated XX/XX/XXXX. I called the company to ask them why they pulled my credit without my permission and they stated that they have a right to pull my credit because of a debt that I owed. I told them that I'm not aware of any bad debt and I have never received any information regarding the issue. They stated that they sent my information which is not true. I told them that they have violated my consumer rights and they have no right to pull my credit without my consent. I should be given the right to challenge and have them verify all information and resolve the issue there is absolutely no reason for this company to violate the protocol of a consumers rights.
Product: Credit card

I am writing to formally report and request assistance regarding several recent unauthorized inquiries on my credit report. My personal information appears to have been compromised, as I have identified several inquiries and activities that were not conducted by me. 

On XX/XX/year>, I was notified by Chase Bank of suspicious activity involving a fraudulent application that was denied. Following this, I reviewed my credit report and discovered multiple entries that I did not initiate. Despite contacting the relevant companies to block my information, they have been unable to take the necessary action to prevent further misuse.

To ensure that no one can use my personal information to open accounts in my name, I request the following : Dispute and Removal of Unauthorized Items : Please initiate an investigation into the unauthorized inquiries and accounts on my credit report and take steps to have these items removed. 

Fraud Alert and Credit Freeze : I would like to place a fraud alert on my credit report and request a credit freeze to prevent any new accounts from being opened in my name.

Enclosed with this letter are copies of my credit report highlighting the unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Please advise me on any additional steps I need to take and provide confirmation once the necessary actions have been completed. I appreciate your prompt attention to this matter to help protect my identity and financial well-being.

Thank you for your assistance.
Product: Debt collection

Several years ago I went to the emergency room in XXXX XXXX, they tried to charge me out right know I did not have the funds, I wasn't properly notified until the debt went to charge off, I want it fix because it has damaged my credit
Product: Mortgage

1. My ex-wife has sought to change the insurance provider on our home mortgage. Wells Fargo tell me they must make the change ; if requested. Should the change occur we risk the current insurer XXXX XXXX ceasing the remedial work they are doing in the house due to flooding. 

2. WF also have no rules to manage conflicting parties.

3. The FBI and DoJ notified me that XXXX XXXX was part of a crime family  and would seek to undertake a fraud - insurance and financial - against me and the insurers. The circumstances of the flooding point to her negligence.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unable to access credit report online from ANY of the three credit reporting bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/ i Certified mailed Equifax Tracking Number XXXX a letter asking their company to investigate and delete the inaccurate accounts that is reporting on my Consumer Report. By Federal Law According to the FAIR CREDIT REPORTING ACT 15 USC 1681i ( 1 ) ( A ) the consumer reporting agency ( Equifax ) 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 after 30 days if the consumer reporting agency can not verify or validate this inaccurate Information the consumer reporting agency must promptly delete the items from the file of the consumer. 

Also According to the FAIR CREDIT REPORTING ACT 15 USC 1681b ( 2 ) a consumer reporting agency may not furnish any information on a consumer report with out the written instruction of the consumer ( me ) to whom it relates. 

IM DEMAING THE FOLLOWING ACCOUNTS BE DELETED IMMEDIATELIY FOR FAILURE TO COMPLY WITH THE FEDERAL LAW 1 ACCOUT NAME : XXXX XXXX  / ACCOUNT NUMER : XXXX XXXX ACCOUT NAME : XXXX XXXX / ACCOUNT NUMER : XXXX I have uploaded all of the proper documentation to support my claim.
Product: Bank account or service

The issue is that the my account online did not show/reflect one of the bill payments and so I thought I still had time to deposit money into the account via atm. ATM deposits are instant so I presumed that if I deposited before the charge hit, I would not be charged an overdraft fee. I presumed wrong. The bank conveniently later in the late night/morning made it so that the bill payment would show up before the ATM deposit so they could charge me a {$34.00} overdraft fee.
Product: Debt collection

XXXX online offers a service which I tried and it never worked. I cancelled it due to poor service and returned the equipment. They promise me full credit but instead sent me to collection agency for equipment charge and the poor service charge during the trial period. Every time I dispute it and tell them its invalid and to stop, they send to another debt collector. This has happened four times in last two years and they just dont stop harassing me, never provide debt validation, they just keep passing the debt along to another collector. Please have this stop as the debt is invalid.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX i sent Equifax a certified letter inquiring about a public record listed on my credit report this letter was delivered XXXX XXXX. Equifax then responded that this account was accurate and verified by their source XXXX XXXX shocked by this information i contacted XXXX XXXX they have removed this information XXXX XXXX and sent me an update. Equifax removed this public record from my report and then added it back without sending me an update or notifying me. I then contacted Equifax XX/XX/XXXX requesting that they delete this account from my credit report due to their Method of verification being invalid because their resource is no longer valid XXXX XXXX is not reporting a public record. They then responded again saying that this account was verified by XXXX XXXX. On XX/XX/XXXX i contacted Equifax again explaining to them that their resource is invalid and to delete this inaccurate public record from my credit report this letter was delivered XX/XX/XXXX. XX/XX/XXXX they still responded again that it was verified through XXXX XXXX a company that IS NOT REPORTING THIS INFORMATION. On XX/XX/XXXX i sent a letter to Equifax to dispute this public record for being inaccurate. Also i have contacted them multiple times about accounts that are inaccurate they have not provided me with their method of verification or paperwork for those accounts.
Product: Debt collection

A company called XXXX is calling and texting family members because we share the same last name and that is harassment and embarrassing. They are threatening to contact my employer as well. A guy named XXXX called from XXXX. 

After the call I received this text. 

This message is solely for XXXX XXXX. This is XXXX trying to verify your location. Call our office directly at XXXX regarding your documents received. While calling back reference ID # XXXX. This is an attempt to collect a debt, any information obtained is used for that purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to FCRA laws if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union continues to report inaccurate information on my credit report..however ; they will not allow me to submit a dispute. They are allowing negative reporting which is effecting my credit score but not allowing me the ability to dispute it. They have reported inaccurate information for the past three months, updating my report in XXXX, in XXXX and now in XXXX with negative inaccurate info, but not once allowing me to dispute it. I have even called into Trans Union and spoke with a representative and they are refusing to allow me to submit a dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

unable to retrieve my credit report
Product: Student loan

My loans are serviced through XXXX XXXX. I have been in the IBR/IDR program for years and have kept my account current. AES contacted me as they do every year and stated I had to renew my IBR program. I sent in the form and paystubs over a month ago. I feel that they are intentionally delaying my right to reduce my payments under this law of this program. I have sent my paperwork in several times and they keep denying it due to additional documentation needed. I've sent my paystubs 3 times in the last six weeks to get this resolved. I've sent in several emails including this one today to AES which states the following : I have been trying to get my IBR/IDR case processed through you company for over a month. The last letter I received says you denied it because you don't have all the documentation. I have sent over my paystubs which displays I can not afford a $ XXXX  monthly payment and I have a XXXX dependent in my household. I take care of me and my daughter. I am a single mom. I feel like you are intentionally delaying this process and therefore, I am going to put in a complaint with the government regarding your company. You are not allowing me to exercise my right to reduce my student loan payments due to income. Once again today, I have sent over my IDR form and my paystubs. There is no other documentation to provide you. I am not married. I have been in this program for years and it is very ironic that you are delaying my right to reduce my payments all of sudden. I would like a supervisor to contact me to get this resolved or I will be moving my loans over to another company.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX  trafficking of Debt bondage I would like for all listed accounts to be BLOCKED AND DELETED BY TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX I am submitting this complaint myself and there is no third party involve.My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the accounts that are still reporting on my account : XXXX  XXXX XXXX. XXXX Date Opened : XX/XX/XXXX {$5.00} XXXX/XXXX  XXXX Date Opened : XX/XX/XXXX {$0.00} XXXX  XXXX XXXX Date Opened : XX/XX/XXXX {$490.00} XXXX  XXXX XXXX Date Opened : XX/XX/XXXX {$160.00} XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX {$0.00} XXXX  XXXX Date Opened : XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX {$410.00}
Product: Credit card or prepaid card

I have had a credit card with Bank of America sinceXX/XX/XXXX. In fact it is my oldest credit card and had a decent credit limit on it. These items are important as they are factors in determining my credit score.
According to the bank they closed my card on XX/XX/XXXX. Bank of America never contacted me to tell me they were going to close my account, nor did they inform me when the account was closed. I became aware that this had happened on XX/XX/XXXXwhen a credit monitoring service notified me that one of my accounts on my credit report had been reported as closed.
I called Bank of America today,XX/XX/XXXX, to have them reinstate the card. I was first put in touch with a man who could not have been less helpful or poorly trained. He then mistakenly transferred me to their fraud department who, after doing their own digging, determined I should be transferred to their credit department. I finally spoke to a woman who was able to understand the problem but informed me that the bank would not re-open the card. I was then told I could re-apply for a new card which does not help me.
I think it is horrible that Bank of America would be so cavalier  with other people 's credit and credit worthiness. My credit history is now shorter, the average age of my accounts younger, and my available credit diminished. I was a customer in good standing and never had a late payment. In addition the unilateral action with no prior information and no way to reverse this is startling.
Product: Debt collection

I was contacted by a person stating that his name was XXXX with XXXX, and he stated that I defrauded a financial institution from XX/XX/XXXX-XX/XX/XXXX and I have never ever done this.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cashapp ( Block , inc . ) due to inadequate customer customer services and u fair practices, which violate the consumer financial protection act ( CFPA ). Specifically cashapp failed to take time and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they didnt comply with error resolution requirements under the electronic fraud act ( EFTA ) and regulations E. These actions had cause significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

I have a debt collection on my credit report from XXXX XXXX XXXX I've been trying to have removed ever since i seen it. I've asked XXXX XXXX for details in regards to how they've come up with the number of {$270.00} they have never produced anything. I believe this collection account stems from a auto renewed costco membership that was tied to a XXXX i think its from back in 2016 that account was never supposed to have been auto renewed when it was i called costco and they said they reversed the charge and stopped it from auto renewing i literally never purchased on that card however i cant be sure that its that same account because XXXX XXXX has never produced a detailed list of what the debt actually is. Ive spoken with XXXX multiple time trying to dispute this but have gotten nowhere any help you can provide for me id be grateful for thank you
Product: Checking or savings account

JP Morgan Chase Headquarters XXXX XXXX XXXX. 
XXXX XXXX NY XXXX Dear sir, I have received a call from one woman, who claimed herself as a manager of XXXX XXXX branch of XXXX XXXX The phone number said XXXX. Even though the number ( XXXX XXXX ) of this branch was different from her number, I tried to call her to determine what this woman was meant after many issues happened, since my family had never services from this branch. When she called her, while I was waiting to transfer, the background sound became obscure instead of music. I asked this woman the intention of call. She answered to ask me to open a CD. I told her I did not have intention of it at all. She asked me whether I had the issue with Chase. So honestly, I answered I had with many banks. I asked her how she got my telephone number. She told me she found it because of the account. Since I did not have the account, I clearly told her I did not have any intention to have any deals with her. The account we have was joint account and only my husband handled it. Since it is not clear the number XXXX is really Chase manager number or not, I prefer not to be contacted with a branch manager, where I never had an account, until I will decide to open an account. 
Sincerely,
Product: Credit card or prepaid card

The bank allowed a company to take monies out of my account without my authorization. It was on XX/XX/2018. It was 2 transactions on same day. I do have loan with the company and granted I was late paying but never authorized to take any money out of my account. I NEVER made ANY payments with my debit card. I ALWAYS went into store and paid with cash. They only had my account number for proof of income. Also, the bank allowed them to take money totalling more than my payments would have actually been. When I filed dispute with bank, at first the representative seemed to be stalling me by saying they never received my dispute on document ( which I mailed back immediately ). Then ( my opinion ) when couldn't stall any longer, I was told by representative at the bank that one of the FDIC rules were that ANYBODY that had my account number had the legal right to take money out of my account. Of course I contacted FDIC and was told that statement was outright FALSE ( which I actually knew ). On the 3rd time I checked a supervisor at bank told me that my claim was denied because they ( the bank ) couldn't get documents showing my agreement authorizing the company to take my money. This last " excuse '' for denial made no sense to me because THAT'S EXACTLY WHAT MY DISPUTE WAS I DID NOT AUTHORIZE THE COMPANY TO TAKE ANY MONEY OUT OF MY ACCOUNT SO THERE IS NO SUCH DOCUMENT. The company was XXXX XXXX and they made two unauthorized withdrawals from my account of {$41.00} on XX/XX/18 and {$75.00} on same date XX/XX/18. I immediately notified the bank that these withdrawals were not authorized by me at any time. I also notified company that they did this illegally via email. The response was they would not refund " my payment ''. The bank sent me form to fill out to return and let me know it was time sensitive and I complied within the time frame. My assumption of this is my money was taken as if it were a garnishment and my bank allowed it to happen and to tell me that anybody that had my card/account number could " legally '' take my money at ANY time. This SCARES me and shouldn't happen.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>25 I received a notification from Equifax, XXXX and XXXX XXXX stating that I had a hard inquiry on my report from XXXX  XXXX using my maiden name. I did go on to dispute this with Equifax, on XX/XX/year>25 I was told that this inquiry was legitimate and will stay on my credit report for 2 years. I did not apply for any type of credit from XXXX XXXX using my maiden name, so I did a fraud dispute and was told the same thing that it was legitimate. On XX/XX/year>25 I received a letter in the mail from XXXX XXXX addressed to my maiden name stating that someone tried to gain a line of credit with improper information. I don't understand how this line of credit accepted when I haven't used my maiden name in 15 years and the credit bureaus are saying this is legitimate. I also filed a fraudulent claim with XXXX XXXX and am waiting for their response.
Product: Debt collection

My name is XXXX XXXX and the debt collector below ( Carter Young ) has placed an account ( XXXX XXXX / {$440.00} ) on my credit report. I CONDITIONALLY ACCEPTED CARTER YOUNG 'S CLAIM UPON BONA FIDE PROOF ( in good faith and without deceit ) that your claim is lawful and valid. Carter Young refused respond to my letter as directed because " I don't owe a debt to Carter Young ''. This means that Carter Young has no right to report this account on my credit. Carter Young did in fact send a statement with conflicting dates as to when they initially verified the debt. This proves that Carter Young is committing fraud. I will attach all supporting documentation.s Carter Young XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX
Product: Credit reporting or other personal consumer reports

XXXX with the fair credit act # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

11.8K 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose delivered to the consumer not later than XXXX days