23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Filed a credit card dispute with Wells Fargo XXXX XXXX XXXX from a purchase made on XX/XX/2022. It was recently declined and letters have not arrived in a timely manner. In fact, a decision was made to deny on XX/XX/2022 and I was never notified until I sent a request on XX/XX/2022. At this time I was provided a response by the merchant and the Vehicle Purchase Order ( page XXXX ) was obviously altered and does NOT match the same document that I have in my possession and was provided to Wells Fargo XXXX XXXX XXXX. This material fact of alteration seems to be continuously overlooked for some reason. By altering this vital document in this dispute, its outright misrepresentation and Fraud. 

At no time was I ever advised of any official means of appealing this dispute as is required by XXXX XXXX. Does Wells Fargo XXXX XXXX XXXX follow the Dispute procedures as outlined by XXXX XXXX or are they following some other procedure? 

On the first page of the ! st attachment this was in the text : We are unable to obtain a refund on your behalf because we have confirmed the merchant provided the services for which you were billed, and you accepted the services. 

At NO time did I accept an altered material change in the Vehicle Purchase Order ( page 5 ) that was sent to Wells Fargo XXXX XXXX XXXX. 

The actual document that is in my possession is in the 2nd attachment and is NOT altered.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I filed a formal complaint with XXXX XXXX XXXXXXXX XXXX regarding several unauthorized credit inquiries that appeared on my credit report. These inquiries, which took place between XX/XX/XXXX, and XX/XX/XXXX, were made without my knowledge or consent. Concerned about these unexplained entries, I requested proof of authorization and raised questions about the accuracy of the entity names listed on my report.

In my complaint, I highlighted the critical importance of protecting personal information and ensuring compliance with the Fair Credit Reporting Act ( FCRA ). Due to the severity of this issue, I escalated my complaint to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) for further investigation.

By sharing my experience, I hope to raise awareness and help others who may encounter similar challenges with unauthorized credit inquiries and issues related to credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

law saids they have 30 days its been 35 days remove the ftc violations two XXXX  XXXX bnak all inquires XXXX XXXX XXXX XXXX/XXXX  XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX  XXXX   XXXX
Product: Payday loan, title loan, personal loan, or advance loan

Company signed me up for their premium subscription without my knowledge.started charging me {$12.00} a month. I contacted requested refund and cancellation immediately but their chat would conveniently go offline. Now Ive been charged 7 times for subscription I never signed up or used. I contacted them again and was told too bad its too late we wont refund you. Ive been scammed.
Product: Debt collection

I am writing in response to your recent communication regarding the collection of an alleged debt. As per my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am requesting validation of the alleged debt you claim I owe. Specifically, I request the following information : 1. Proof of the debt : Please provide documentation verifying that I owe the debt, including a complete accounting of the amount claimed. This should include how the balance was calculated, including interest, fees, and other charges.

2. Verification of ownership : Provide the name and contact information of the original creditor, along with proof that you are authorized to collect this debt on their behalf.

3. Documentation of payment history : Supply records that outline the original agreement I made with the original creditor, along with the payment history associated with the alleged debt.

4. Proof that the debt is not time-barred : Confirm whether the statute of limitations has expired on this debt and provide the date of last payment.

5. Evidence of debt assignment or sale : If applicable, provide documentation that clearly establishes the transfer of ownership or assignment of this debt from the original creditor to your agency.

Under the FDCPA, I have the right to dispute the validity of this debt within 30 days of receiving your initial notice, and you are obligated to cease all collection efforts and reporting to credit bureaus until you provide this validation. Please also note that under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I have the right to dispute any inaccurate or incomplete information reported to the credit bureaus.

Failure to provide adequate validation within the 30-day timeframe will result in my request that the alleged debt be removed from my credit reports and that no further collection attempts be made. 
Thank you for your attention to this matter. I look forward to your prompt response with the requested documentation.
Product: Debt collection

Repeatedly call and text me and people I don't even know. Told them to stop and the guy said he didn't have to.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my formal complaint regarding identity theft that I experienced. According to Fair Credit Reporting Act Section 605B ( a ), credit bureaus are required to remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) the proper proof of the consumer 's identity, ( 2 ) a copy of an identity theft report, ( 3 ) the consumer 's identification of such information, and ( 4 ) a statement from the consumer that the information is unrelated to any transactions. 
XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NJ XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$1800.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX CXXXX 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 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

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, WA XXXX ; XXXX XXXX Bankruptcy Dismissed DateFiled/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX Bankruptcy Discharged DateFiled/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, cfpb ; credit bureau ; I am writing to formally dispute a series of unauthorized hard credit inquiries that appear on my credit report. These inquiries were made without my consent and do not pertain to any applications or transactions initiated by me. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to challenge and seek the removal of such inaccurate information from my credit report. 

The inquiries in question are as follows : 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 XXXX XXXX XXXX XX/XX/XXXX The Fair Credit Reporting Act XXXX FCRA ), specifically 15 U.S.C. 1681b, mandates that a credit report may only be accessed for specific purposes and with consumer consent. As these inquiries were neither authorized by me nor related to any transactions I initiated, they are in violation of the FCRA.

Additionally, under 15 U.S.C. 1681i, I have the right to dispute any information on my credit report that I believe to be inaccurate or incomplete. The unauthorized inquiries listed above fall into this category and should be investigated and removed accordingly.

Furthermore, 15 U.S.C. 1681s-2 ( a ) requires that furnishers of information ensure the accuracy and integrity of the information they report. The presence of these unauthorized inquiries reflects a breach of this requirement.

Given the violations of the FCRA, I request the immediate removal of these unauthorized inquiries from my credit report. Please confirm the deletion of these inquiries in writing once completed.

Thank you for your prompt attention to this matter. 

Sincerely,
Product: Payday loan, title loan, or personal loan

I allegedly hold a debt for {$440.00}, with : American Accounts Advisors , Inc. 
XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX They claim I took out a XXXX XXXX on XX/XX/2017. I never received a loan from this organization. Please contact them and investigate who, in fact, took out this loan in my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : DEPT OF EDXXXX DPT EXXXX Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I would like to be added into the settlement against XXXX and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$270.00} XXXX XXXX Balance : {$190.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$3800.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$3800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$270.00} XXXX XXXX Balance : {$190.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$3800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several letters to Experian Credit Bureau to update my personal information to only 1 name,1 address because I don't want to be a victim of identity theft. I explain in my letters having those addresses listed on my report is opening me to be victim of someone filling out a credit card application or loan in my name and subjecting me to go into debt without my knowledge. I have sent countless letters and copies of my drivers license and utility bills to prove my current address, but nothing is being done.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm pleased to see several improvements made to my report, including the deletion of some accounts I had previously disputed. However, there are still a few accounts on my report that are false and the result of identity theft. I request your assistance in getting rid of the last few items on my report. According to FCRA section 605b, the credit bureaus are obliged to remove or block any accounts that have been listed in an identity theft report. I've included a few papers to help prevent fraudulent information from being submitted in my report. 
XXXX XXXX Balance Owed : {$60.00} XXXX XXXX Balance Owed : {$60.00} XXXX XXXX XXXX Balance Owed : {$4900.00} XXXX XXXX XXXX Balance Owed : {$3900.00}
Product: Money transfers

I had purchased goods via paypal services but have not heard from the company or received the goods. Initially received first item that had errors, so initially was told via email that he would rectify it by sending another one all we had to do was pay additional shipping. So we paid the Shipping on the XXXX of XXXX. He took the money since and we have not heard back from and of our emails. He is also a business overseas. We tried to deal with it properly through him first but he was very argumentative and disagreeable but then decided to send us a replacement as well as keep the original which we had already spent more money to fix what he had not done properly.
Product: Checking or savings account

I am filing a complaint against SoFi Bank for multiple violations of federal banking regulations and unfair practices : Violation of Regulation E : On XX/XX/2024, I filed disputes for 17 transactions totaling {$940.00} related to fraudulent activities where I did not receive goods or services. 
As of XX/XX/2024, SoFi has not provided provisional credit as required by Regulation E 1005.11 ( c ) ( 2 ), which mandates provisional credit within 10 business days if an investigation can not be completed. 
Disputed Transactions : XXXXXXXX XXXX XXXX on XX/XX/2024 - Amount : {$100.00} XXXX XXXX on XX/XX/2024 - Amount : {$100.00} XXXX XXXX XXXX on XX/XX/2024 - Amount : {$50.00} XXXX XXXX  on XX/XX/2024 - XXXX : {$50.00} XXXX XXXX XXXXXXXX on XX/XX/2024 - Amount XXXX {$15.00} XXXX XXXX XXXX on XX/XX/2024 - Amount : {$50.00} XXXX XXXX on XX/XX/2024 - Amount : {$15.00} XXXX XXXX on XX/XX/2024 - Amount : {$50.00} XXXX XXXX XXXX on XX/XX/2024 - Amount : {$100.00} XXXX XXXX XXXX on XX/XX/2024 - Amount : {$85.00} XXXX XXXX on XX/XX/2024 - Amount : {$25.00} XXXX XXXX XXXX on XX/XX/2024 - Amount : {$30.00} XXXX XXXX XXXX on XX/XX/2024 - Amount : {$100.00} XXXX XXXX XXXX on XX/XX/2024 - Amount XXXX {$50.00} XXXX XXXX on XX/XX/2024 - Amount : {$30.00} XXXX XXXXXXXX XXXX on XX/XX/2024 - Amount : {$65.00} XXXX XXXX XXXX on XX/XX/2024 - Amount : {$25.00} Lack of Communication : SoFi has not provided any updates on the status XXXX XXXX disputes since the initial acknowledgment on XX/XX/2024. 
Inconsistent Information : I received conflicting information from XXXXoFi representatives about the timeline for dispute resolution and eligibility for provisional credit.

Poor Customer Service : Initial attempts to contact SoFi resulted in 1-2 hour wait times on the phone and repeated crashes of online chat support.

The dispute filing process was inefficient, taking 2.5 hours due to the representative 's inability to process disputes based on transaction numbers. 
Financial Hardship : The withholding of funds has caused significant financial strain. 
Potential Systematic Issues : Review of other consumer complaints suggests these may be systematic issues in SoFi 's dispute resolution process. 
I have attempted to resolve this issue directly with SoFi but have not received a satisfactory response. I request that the CFPB investigate these practices and take appropriate action to ensure SoFi 's compliance with federal regulations and fair treatment of consumers.

Documentation of all communications with SoFi is available upon request. 
Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

some of the credit inquiries on my reports I dont recall like XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XX/XX/2020, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, and XXXX . I definitely don't know or recall any of these inquiries. These ruin your credit and prevents you from obtaining more credit like leases, loans, mortgages and higher limit credit cards, preventing me to live a better life or to help the economy. 
And secondly they have an applied bank card on my report for 7 years stating that I owe {$1100.00} or something. I had owed just {$490.00} and 7 years ago, so according to the law of an act of a contract in new york after 6 years the contract is over, finished and not valid, and therfore have to be removed off my credit report. So both of these situatios the credit bureaus are 100 % guilty and in violation of privacy and consumer credit laws and should be prosecuted and fined and sued to the fullest extent of the law as they continue to screw the residents and citizens of United States. I've disputed these things at least 2 times and they either don't respond or doesn't provide any evidence against me. Please make them remove all negatives off my reports asap thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XX/XX/XXXX/XX/XX/2017 that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com. 

They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. 
They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement. 
I demand that they rectify this by making credit freezing free and refunding everyone who paid for it following this data breach. The negligent loss of personal information of nearly 200 million consumers is an unconscionable breech of ethical behavior by this company and it is further unreasonable that they are not directly notifying every single person affected by this regardless of their questionable " judgment '' of who to contact.
Product: Debt collection

I filed a dispute with the XXXX credit reporting agencies about Trident Asset Management reporting negative info on my report and I had no knowledge of this collection. File was deleted from XXXX but not from XXXX and XXXX. I contacted them uploading the results from my dispute with XXXX showing the account had been deleted. Trident Asset Management refuses to delete or have this negative information deleted from their ( XXXX and XXXX ) files as of XXXX XXXX, 2016. I filed a complaint via US Priority mail with tracking number, with the Office of Commissioner of Financial Regulation, XXXX, MD delivered XXXX XXXX, 2016 not hearing from them.
Product: Credit card or prepaid card

NORDSTROM CARD SERVICES AGREED TO REMOVE ACCOUNT XXXX FROM CREDIT REPORT IF THE ACCOUNT WAS PAID IN FULL, THE ACCOUNT REMAINS ON THE CREDIT REPORT PER ALL 3 MAJOR CREDIT BUREAUS
Product: Checking or savings account

On XX/XX/year> I looked at my account and notice duplicate transactions. I also noticed the discrepancy in my account balance ranging with these duplicate transactions along with a refund from a merchant that was again taken out. I called the XXXX customer care and it was acknowledged that the duplicate transactions exist not just in the digital app but in their end as well. The representative placed me on hold and returned stating, I see the duplicate transactions but you were not charged. I then explained how my balance in fact did change and even in days when I did not make transactions to the next transaction there was a great difference. I asked to speak to a supervisor and was on hold and constant told no person was available. 

At this time I have no clue what my true bank account balance is and I have to take off of work to go into the bank in order to discuss this issue.
Product: Mortgage

My wife and I were under contract to refinance our mortgage with Freedom Mortgage, with the closing scheduled for XXXX XXXX XXXX XXXX on XX/XX/2021. The notary never showed up for the appointment and didn't even have the courtesy to call us to let us know he wasn't coming. When we tried to reach out to our licensed loan officer at Freedom Mortgage, he did not respond to any of our phone calls or emails. Now we have to make XXXX 's mortgage payment that we were supposed to skip and pray that we can continue the process on the same terms now that our loan approval has expired.