23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

The mortgage servicer, Freedom Mortgage failed to pay the premium for our homeowner 's policy out of the agreed upon escrow account. The payment was due by XX/XX/2020, and on XX/XX/2020 payment was not received by the insurer and coverage was cancelled. I was forced to pay out the full premium of {$2500.00}, and a late payment of {$250.00} out of pocket. 

This is the 3rd time since origination of this loan that the homeowner 's policy has been cancelled for non-payment, and the payment has always been under the purview of .escrow. 

I wrote a notice of error to Freedom Mortgage on XX/XX/2020, and sent it certified, return receipt. The letter and numerous phone calls stated that I had PAID the insurance amount in full, and requested that escrow be removed. According to their records, XXXX then sent the amount of {$2500.00} to pay the {$0.00} balance to the insurer. I finally received the refund FROM THE INSURER on XX/XX/2020, over 2 months since I paid the insurer in full. 

On XX/XX/2020, Freedom Mortgage did send a response to my notice of error, stating " we have consented to terminate the escrow for REAL ESTATE TAXES and/or homeowner 's insurance '' ... '' within 14 days, '' ... '' refund any balance. '' As of XX/XX/2020, I have not received a refund, NOR has my escrow been removed from the payment. 

I do not trust Freedom Mortgage to pay taxes and/or insurance out of escrow in a timely basis, therefore I want to end escrow.
Product: Checking or savings account

Citibank allowed a third party to cash ten ( 10 ) post-dated checks against my checking account in the amount of {$100.00} each. When I pointed out this error to them immediately, they acknowledged the mistake but said there is nothing they can do about it. This is true despite the fact that the checks all had improper dates on them on their faces. I spoke to many representatives at Citibank who could not resolve my issue. Most recently, on XXXX to someone who described himself as a manager, but who would only give his first name ( XXXX ) and employee I.D . number ( XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I received notice form XXXX  that my dispute with Goldman Sachs had been completed. Came back with the information was verified as true. Shows I paid {$10000.00} and still owed over {$11000.00}. This is not true. I have attached a letter from them stating the facts.
Product: Credit reporting or other personal consumer reports

This letter serves as my final attempt to resolve this matter before escalating to legal proceedings. Despite multiple previous disputes and my clear evidence that these accounts are inaccurately reported, you have failed to remove the erroneous information from my credit report. Your continued reporting of these items is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Violations include but are not limited to : Failure to Conduct a Proper Investigation : As required under 15 USC 1681i ( a ) ( 1 ), credit reporting agencies must conduct a reasonable investigation of any disputed items. Your investigations have clearly been inadequate, as the same inaccurate information remains on my credit report. 

Reporting Inaccurate Information : Under 15 USC 1681s-2 ( a ) ( 1 ), furnishers of information are required to provide accurate information. These accounts are incorrect and have not been verified with my signed consent. 

Failure to Respond to Dispute : As per FCRA 611 ( a ) ( 1 ) ( A ), you are required to respond to disputes within 30 days. Your repeated failure to adequately address my disputes is unacceptable. 

I have provided clear evidence that the accounts listed below are not mine and should not be reported under my credit file :
Product: Debt collection

On XX/XX/XXXX I paid for and downloaded my credit reports from ( XXXX, XXXX, and XXXX ) and noticed that I have an alleged collection being reported by a company named Cavalry Portfolio Services ( each with incomplete and inaccurate account numbers ). I sent notices of dispute on XX/XX/XXXX, but I am dissatisfied with the remarks placed on my credit reports ( XX/XX/XXXX ) that this account " meets FCRA requirements ''. The account listed on my XXXX  report is named XXXX XXXX Bank, but upon further review and the matching up of the original balances, opened dates, and address ', I have come to the conclusion that this alleged derogatory account is being reported by Cavalry Portfolio Services as well. Although XXXX XXXX  is listed as the original creditor per my XXXX  and XXXX  reports, I have never been notified by either of these institutions of this alleged debt nor have I ever been notified by these two institutions that they were going to OR have ever placed derogatory items on my credit files under my Social Security number. These actions are in complete VIOLATION of my consumer rights and illegal per FCRA 623 ( a ) ( 7 ) ( b ) ( i ), After closely examining my credit reports, a balance and an Original Balance of {$710.00} were reported to all 3 major credit  bureaus on said Date Opened " XX/XX/XXXX ( XXXX ),  XX/XX/XXXX ( XXXX  ), and XX/XX/XXXX ( XXXX  ) ''. Then upon further review I realized that in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ( 7 months after original balance of {$710.00} reported ), the reported balance reported was listed as {$720.00} in those 3 months ( based upon a 24 month balance history ). If the date opened is in the month of XXXX of XXXX and the original balance is {$710.00}, then how can {$720.00} be reported for those 3 months alone -then resume as the stated original balance of {$710.00} for the months of XX/XX/XXXX and forward. I've never contacted nor have I ever been contacted by anyone about this alleged, erroneous, fraudulent debt and never have I paid this company Cavalry Portfolio Services {$1.00}. I fully believe that this may have been an unlawful tactic to re-age this alleged debt in order to extend this alleged debt 's ORIGINAL statute of limitations beyond the state of South Carolina 's medical and credit card statute of limitations to further damage my credit file! I hereby refuse to accept the allegations and repercussions of this incorrect and inaccurate account associated with my Social Security number without any signed law binding contractual obligation between myself AND Cavalry Portfolio Services!

( see attached documents of credit reports ) Let me add that upon trying to submit this complaint, It wouldn't accept the name of the business as Cavalry Portfolio Services, but I was able to find that they also go by Cavalry Investments , LLC.

( provided 2 attachments as proof from the South Carolina 's Secretary of State Business Name Search ) *6 total attached documents*
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax improperly handled their data security, allowing over 140 million credit report accounts, including account numbers, addresses and social security numbers, to be accessed by unknown third parties for an undisclosed amount of time. They have failed to notify affected customers in a timely manner and have not provided any clear method of protection of consumers or plan to correct this catastrophic error. Hundreds of millions are now at immediate risk of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I couldn't believe it when I saw inaccurate accounts on my credit report today. It made no sense since I check it regularly, and these discrepancies just appeared out of the blue. I tried refreshing my browser, hoping it was a glitch, but they didnt go away. This whole situation is deeply troubling, and Im asking that the documents Ive submitted are carefully inspected so I dont have to go through this stress anymore.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've both called and sent letters to all 3 credit reporting services ( XXXX, XXXX, and Equifax ). I asked if all 3 companies can remove an account off my credit report that was not mines. I never received a response and its been 68 days. I ask if this account be removed ASAP.

XXXX  Status : Closed Date : XX/XX/2018 Price : {$1500.00}
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX Email Address : XXXX Phone Number : XXXX ChexSystems XXXX XXXX. 
Consumer Relations Department XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Subject : URGENT CONSUMER MATTER Request to Opt-Out of ChexSystems Dear Sir/Madam, I am writing to urgently request the removal of my information from your ChexSystems database. This request is made in accordance with privacy laws, including the Fair Credit Reporting Act ( FCRA ) and the California Consumer Privacy Act ( CCPA ), as applicable. 
Under the FCRA, I am exercising my right to request the exclusion of my personal data from ChexSystems reporting. Additionally, under the CCPA, I am requesting the deletion of my personal data as applicable. 
For your reference, my details are as follows : - Name : XXXX XXXX - XXXX ID : XXXX - Date of Birth : XX/XX/XXXX - Social Security Number : XXXX - Address : XXXX XXXX XXXX XXXX XXXX XXXX KY XXXX Please confirm receipt of this request and provide written confirmation once my information has been removed. If any additional documentation or information is needed, please inform me at the contact information provided above. 
Thank you for your prompt attention to this urgent matter. Sincerely, XXXX XXXX Date : XX/XX/XXXX To Whom It May Concern : Identity Theft Affidavit I, XXXX XXXX, am providing this affidavit to report that I have been a victim of identity theft. This document is intended to support my request for the removal of my information from ChexSystems, as detailed in my opt-out letter dated XX/XX/XXXX. 
Personal Information : Full Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX, KY XXXX Date of Birth : XX/XX/XXXX Social Security Number : XXXX Phone Number : XXXX Email Address : XXXX Details of the Identity Theft : Description of Fraudulent Activity : Unauthorized transactions and/or accounts have been opened in my name. I have also discovered erroneous information on my credit reports that I believe is a result of identity theft. 
Actions Taken : I have reported the identity theft to the Federal Trade Commission ( FTC ) and/or local law enforcement and have received an Identity Theft Report or Police Report. Attached are copies of relevant documents, including the police report and FTC Identity Theft Affidavit, if applicable. 
Declaration : I affirm that I am the victim of identity theft and that the information provided in this affidavit is accurate to the best of my knowledge. I request that ChexSystems remove my personal information from its database and correct any erroneous entries resulting from the fraudulent activity. 
Please contact me at the provided phone number or email address if further information or documentation is needed. 
Thank you for your attention to this matter. Sincerely, XXXX XXXX
Product: Debt collection

A supposed debt collection agency out of XXXX named Midland Credit called me and stated that I owed some {$610.00} from an account that was closed in over three years ago in 2014. I was skeptical since I could barely understand those speaking to me. They did have some information about me and the account correct, but there have been so many breaches and hacks lately that I figured this was a scam. 
I am concerned because I checked my credit report and see that Midland Credit has been able to place a derogatory statement against my credit on XXXX and XXXX. I am having a hard time trusting these credit reporting agencies, also, due to recent breaches. 
Is Midland Credit bonafide? Since the debt was settled over three years ago, what do I do now?
Product: Credit reporting, credit repair services, or other personal consumer reports

someone use my bank of america card back in 2017 and messed mt credit up now i can't get know bank card and i need it fixed.
Product: Credit reporting

I have asked XXXX to investigate late payments showing in my report, and the only thing that I get as a response is that they can not honor my dispute for lack of information when I have send out XXXX dipute letter specifically requesting to investigate the accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is for the timeshare company XXXX. I've previously disputed this account and was deleted from my credit reports under XXXX XXXX TransUnion, but reappeared and is reporting negative again. I want this to be removed as it is very illegal to add on removed fraud accounts. This inaccurate account is being reported in my credit records again and is hurting my financial stability. I have disputed this and was deleted but they've added it again. Furthermore, I spoke with their employees who were introduced to be someone other than a sales person & also claimed not to work on commission. Unfortunately I can't remember the names of the people I spoke with. I was told that I'm actually making a good financial investment, especially because it have some tax benefits similar to owning a 2nd home. Plus, resale value would go up. They said I can also earn money from it, getting rental income. I was lured when they also promised that I'll never have to pay maintenance fees again. They made me believe I was being given the privelege of getting this special offer because they needed to get " corporate approval '' to give me the price being offered. I felt pressured and rush when they told me it's my last chance to upgrade at the lowest price. They had me open a credit card for this. They promised free vacations bonus, which I never received at all. They didn't even discussed how to cancel, or made me aware as to how many days I have in order to cancel. I've sent request to cancel but they never cancelled it. I already have medical conditions such as XXXX and XXXX, & it simply doesn't help when I'm experiencing financial difficulties caused by this timeshare, plus my credit score is going down because of this as well. It's very stressful having this timeshare, they've put me to collections, I can't even get a loan because of this. I am a victim of the XXXX timeshare scam. They told me that timeshares are fantastic investment, which is untrue. There was a high-pressure time shaper presentation that lured me in with the promise of a cheap vacation. I was told by the salesman how the program is good & the points. The sales person told us XXXX XXXX XXXX XXXX XXXX, which paid for {$18000.00} could get us 20 nights at all kinds of beautiful resorts every year throughout our lifetime, at any time, which was untrue as we were not able to find any availability when we try to book. We were defrauded & lied to. This is the biggest scam I encountered.
Product: Credit reporting or other personal consumer reports

On or about XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX on XX/XX/ also XXXX, XXXX, Experian did not have my consent to report information on principals consumer report pursuant to 15 USC 1681 b ( a ) 2 Permissible purpose of consumer reports, and 15 USC 6802 ( b ) ( 1 ) ( b ) which they are in direct violation of my rights.
Product: Credit card or prepaid card

I am requesting Capital one to remove this charged off account from my records due to identity theft. I have filed this complained and stated that account was opened due to identity theft. Capital one has advised me that they received payments from XXXXXXXX XXXX  account ending in XXXX which was opened fraudulently under my name as well as from XXXX XXXX. Both XXXXXXXX XXXX and XXXX XXXX  accounts were opened using my identity and fraudulently. Those are not my accounts and all payments that were made from mentioned accounts were fraud. I understand Capital one is matching my contact information, social security number date of birth however I was a victim of Identity theft and this account along with other accounts from XXXX XXXX and XXXX XXXX were opened due to the ID theft and fraudulently. I need Capital one to remove this account and update my records immediately. 

please note the accounts you are referring were opened fraudulently and those aren't mine as well. As previously stated i was a victim of identity theft and during that process there were multiple checking accounts opened with XXXXXXXX XXXX and XXXXXXXX XXXX as well as credit cards. Please remove this capital one account from my records and report accurate information once again those payments that were processed through XXXXXXXX XXXX  or XXXX XXXX  were fraudulent accounts and they are aware of it. Thank you
Product: Credit card

I submitted a claim with discover price protection and they denied my claim based off a service provider and not the actual product claim ( # XXXX ). I was told I would be able to be approved for the claim. I purchased the same exact XXXX XXXX XXXX.
Product: Credit card

RE : Household Finance HFC is apparently the parent company of XXXX. I have XXXX accounts with XXXX, and they both are in good standing. I came across a situation whereby I was trying to protect XXXX of my credit cards from being charged by a disreputable corporation ( XXXX and XXXX as partners ). I closed the credit card in question and asked for a new card. Without my permission, the corporation contacted HFC and HFC gave my new credit card information to XXXX. As a result of the action taken by HFC, I have been denied the choice/preference of how I wanted to protect myself from this charge by the corporation. As a result of the action of HFC to freely and illegally release my credit card information, which I wanted to keep confidential, I am now being forced to deal with the corporation and their charges in a manner which I find reprehensible, undesirable and a threat to my financial situation. I feel that HFC should be held accountable for their illegal disclosure of my credit card account number and they should suffer the loss, as the corporation I am dealing with has a multitude of complaints about poor and dishonest service and, as a matter of fact, has a complaint pending with the FTC. My credit card information should be MY personal and private information, and NOT something HFC can distribute for use without my permission. I wonder how many more people can now have access to, and enjoy the freedom of use in submitting an unauthorized charged to my credit card. I have filed a dispute with XXXX XXXX over the charge. HFC has obviously resorted to deceptive trade practices, thereby enabling XXXX to fraudulently charge my account. Complaints by consumers about deceptive and fraudulent trade practices run into the hundreds, if not thousands, by XXXX and XXXX XXXX XXXX.
Product: Debt collection

A caller from XXXX XXXX on caller ID has called my office numerous times and spoken with myself and my office staff about a debt that has already been paid. After their last call to my office, I informed them that I was fed up with them calling my office and would be filing a report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XX/XX/XXXX, I received a letter from Innovis ( XXXX XXXX XXXX XXXX XXXX, OH XXXX ) dated XXXX XX/XX/XXXX. 
" Per your request a Security Freeze is in place on your Innovis Credit Report. We are writing to inform you that the following information was recently added to your Innovis Credit Report -The Birth Date XX/XX/XXXX was added on XX/XX/XXXX I do not have a relationship with Innovis XXXX 
I did not request a security freeze I did not add a birthdate. 
In order to challenge this information, Innovis wants copies of my Social Security Card ( I have been told to never provide a copy of my SSN ), Driver 's license, address history, and the PIN code from the freeze. Since I didn't initiate the freeze, I don't have the PIN. 

I am the recent victim of identity fraud and severely limit the distribution of my information.
Product: Credit reporting or other personal consumer reports

Based on, 15 U.S. code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt Under 15 U.S. code 1681e ( b ) and 15 U.S. code 1681i ( 5 ) this account in violation not reporting 100 % accurate In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681 . These accounts have violated my rights. Pursuant to 15 USC 1681 section 602 A states I have right to privacy. Pursuant to 15 USC 1681 section 604 A section 2 : it also states a consumer reporting can not furnish accounts without my written instructions. I am requesting the original copy of the agreement and terms and condition. 
Failure to comply will forfeit your claim and will require you to delete all the list of items above. You are required to do what I am asking and block these trans actions from being reported to my consumer report WITHIN 4 DAYS from the date of the receipt of this notice. I LOOK FORWARD TO YOUR RESPONSERemove account or be held accountable {$1000.00} per account.
Product: Checking or savings account

On XX/XX/XXXX, I opened a savings account. I deposited {$500.00} cash to my checking then transferred over to savings. Thought twice about it and was going to send t another account so I transferred it back to checking and then again to savings changing my mind. The next day, I was unable to access my account online. I called the bank and was interrogated by a XXXX who ultimately that my account was restricted for 24 hours pending an investigation. On Monday, XX/XX/XXXX, I was able to regain access to the online account and saw that I had {$3500.00}. {$3000.00} was sent via XXXX  by my employer as this occurs every XXXX and the XXXX of the month and the {$500.00} deposit, plus {$10.00} that was already in the account. I spent hours on hold for Bank of America only to be told that my account would be closed and I would just need to wait for them to send me my funding. I had bills that were in process, however bank of america returned these bills due to insufficient funds, however the account had {$3500.00}. I then went to the local branch. The banker called the fraud department and I was again told I just need to wait and that bank of america decided to end the relationship. I called the bank today and was advised that the bank account is closed, the funds are still in the account, however the account is restricted and won't be released until XX/XX/XXXX. I am very confused why my account has been closed for fraud whereas there was no fraud committed. The only clue I was given was that there were over 20 transfers back and forth between my checking and savings account. Which still doesn't make any sense because if I did complete this, how is it fraudulent to transfer my own funds?

Issues is, this is the only account I have been using so the bank has all of my money. Second they are returning my bill payments and I am incurring additional fees. 
Lastly, how is it okay for them to hold my funds until the middle of XXXX without providing any reasons?