23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Dear CFPB, I am writing to formally lodge a complaint against Freedom Mortgage regarding a serious issue with the creation of an escrow account without my knowledge, which has led to the improper distribution of tax dollars and an unjust doubling of my mortgage payments. 

Background : I recently discovered that Freedom Mortgage incorrectly established an escrow account for my property taxes in XXXX XXXX. Despite my property taxes being fully paid and not overdue, Freedom Mortgage has disbursed tax dollars from this account for taxes I did not owe. This mistake has had significant financial repercussions for me. 

Specific Issues : Incorrect Escrow Account Setup : Freedom Mortgage initiated an escrow account without verifying the accuracy of the tax information. As a result, they have erroneously collected and distributed funds for taxes that were not owed on my property. 

Increased Mortgage Payments : Due to the incorrect setup of the escrow account, my mortgage payments have been unfairly doubled. This increase is directly related to the mismanagement of the escrow account and the improper disbursement of funds. 

Actions Taken : I have attempted to resolve this issue directly with Freedom Mortgage, but their responses have been inadequate. They have not provided a satisfactory resolution or corrected the errors in their records, despite my numerous attempts to rectify the situation. 

Request for CFPB Assistance : I kindly request that the CFPB investigate this matter and take appropriate action to ensure that : The incorrect escrow account setup is corrected. 
The erroneous payments made from the escrow account are reimbursed to me. 
My mortgage payments are adjusted to reflect the correct amount, eliminating any undue increase caused by this error. 
I am including copies of all relevant documents, including correspondence with Freedom Mortgage, statements showing the incorrect escrow setup, and evidence of the undue increase in my mortgage payments. 

Thank you for your attention to this matter. I look forward to your prompt assistance in resolving this issue. 

Sincerely,
Product: Checking or savings account

My online account had been locked out due to an incorrect password. When I called to reset my password, Citibank informed me that they decided to, at some point, close my savings account. The reason would be mailed to be in 30 to 60 days along with a check with the amount of my savings account. This is an issue because all of money that I need now is in that account including for mortgage and a credit card bill that I need to pay by the XXXX of the month. When I told them I needed the money as soon as possible they told me I could not get that money now and I would need to go to the nearest branch. However, I live in XXXX where there is NO branch and so I can not access a bank in person. They are refusing to give me my money that I need right now to live and make my payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

These inquires listed below are not mines. Didnt authorize these inquiries.

You have 12 Inquiries Inquirer Name Inquiry Date Removal Date Business Type Contact Information XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX Automobile Dealers, Used XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX, AZ XXXX BYMAILONLY XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Tenant Screeners ( Reseller ) XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX XXXX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX Tenant Screeners ( Reseller ) XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX/XXXX XX/XX/XXXX XX/XX/XXXX Finance Companies - non specific XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX XXXX/XXXX XXXX   XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX XXXX/XXXX XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX
Product: Mortgage

In XX/XX/2018 XXXX XXXX  force placed my home owners insurance even though I had insurance in place. They didn't provide the legal amount of notice prior to force placing insurance. The issue was caused because they had in their system the wrong origination date. They also changed my loan number further causing issues when the insurance company sent a binder. This was all resolved after hours of dealing with them on the phone, but my biggest concern is the non-compliance with the legal requirement for a 45 day notice to force place that they didn't follow.
Product: Credit reporting or other personal consumer reports

In accordance With the Fair Credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Accoount # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX XXXX Account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S C 1681c. ( a ) ( 5 ) section States : No consumer reporting agency may make any consumer report containing any of the following items of information any adverse item of of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the adverse item of information, other then records of convctions of crimes which antedates the report by more than seven years. 15 U.S.C 16815-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is accurate.
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B mandates the elimination of any erroneous accounts from my credit report. Can you review the documents? Certain accounts listed seem incorrect, causing me discomfort.
Product: Checking or savings account

Wells Fargo has charged my account over {$1100.00} for a claim they denied. Wrote me a nasty letter saying Im not part of their breeches when I have proof I was part of their breech data settlement back in XXXX. After that someone had access to my social security number and their name appears under my credit report which I reported to their crime investigator. After that my bank had a lot of bank fraud. I lost my XXXX which I have proof of that which I asked XXXX to wipe my data clean since XXXX and that person accessed my bank cards, passwords and started mining money in XXXX little by little out my account for over {$15000.00}. Again Wells Fargo claims they dont go back pass 60 days but gave me {$680.00} towards that claim of almost {$15000.00} and revered my other account for {$1100.00} that same day putting me in the negative. Corporate headquarters and bank managers printed me out statements all the way to XXXX and told me they will help me with past charges as far as 5 years that I did not do. Now they are trying to call me liar saying Im not part of the breech. Wrote me nasty letters. Corporate told me they are aware that XXXX there was a lot of fraud being done to peoples account. They were even part of a XXXX scam back in XXXX which is the activity I noticed in my account was a XXXX scam and in XXXX a XXXX scam. Nobody wants to help me not sure if its a sort of discrimination. My mental and physical health is ruined by Wells Fargo and their unfair practice and how they accused me of charges when Im part of identity scam which is caused by them. My life was fine before their settlement issues and malpractice. I want my {$15000.00} from XXXX someone stole and the charges of {$1100.00} reverse back to my account so I can start a new account. If not I will have to go the legal way because the emotional damage, XXXX XXXX, run arounds, lack of sleep and stress is too much for a loyal customer to go through. They dont care about me or anybody. Im just learning in XXXX I have letters coming for another class action lawsuit settlement for fees on my account. How much more can I take from this bank and bad business practice and theft
Product: Credit reporting or other personal consumer reports

The unvalidated late payments remain on my credit record despite my written dispute submitted over XXXX days ago. Your failure to respond or provide validation within the required timeframe violates federal consumer protection laws.
Product: Credit reporting or other personal consumer reports

My information was exposed in a data breach across all three bureaus Equifax, XXXX, XXXX. As a result I want to the information on all three deleted that is derogatory. All of my information was exposed. I haven't received payment yet or any financial compensation from Equifax or any other bureau. I want all derogatory items erroneous, etc removed within XXXX days from all three bureaus.Credit reform act is supposed protect consumers information collected by the credit bureaus it did not.Section 605B FCRA, as a result 623 ( a ) ( 1 ) ( B ). I have disputed inaccuracies with all three bureaus.
Product: Credit card

I took a cab ride with XXXX on XXXX XXXX, 2015. I added my XXXX credit card to my profile to pay for the ride. About a week ago I started receiving collection calls from " PayPal Credit/BillMeLater ''. I logged into my REGULAR NON-CREDIT PayPal account that I opened a few years prior and came to find out that they WITHOUT MY AUTHORIZATION opened a PayPal credit account in my name and charged the {$60.00} XXXX Ride to that account. I NEVER received ANY statements or cards in the mail. I NEVER got any calls before last week. I WAS NOT AWARE of any PayPal Credit account being opened NOR did I apply for one. All I did was take a cab home from the airport and THOUGHT I paid with my XXXX card. Now, they are trying to say I owe them over {$160.00} -- I 'm guessing the extra {$100.00} are late fees.
Product: Checking or savings account

I went to order food for my family of XXXX and my card was locked and so was my account. I was told it was because I lived in oh and was getting paid from pa but thats how its been for over 2 years. Now they are holding money and are being very difficult to open an account that was XXXX for miniscule reasons. They are in control of XXXX $ of my money and its being held or denied and sent back this hurts us horribly.
Product: Credit card

Total Visa at XXXX XXXX XXXX XXXX XXXX, SD XXXX refuses to acknowledge or honor the new law passed on XX/XX/XXXX regarding late fees being capped at {$8.00}. I was charged a {$41.00} late fee on XX/XX/XXXX when my due date is on the XXXX of every month. I made payment on XX/XX/XXXX or XXXX this month - definitely BEFORE the due date. 
Additionally, I requested my account to be permanently closed between XXXX and XXXX XXXX. I told them via mailed letter that I was having financial hardship and their fees are too much - expensive monthly fee and expensive late fees, as well as the interest. I told them I have been having financial hardship every since my XXXX daughter XXXX XXXXXXXX XXXX XX/XX/XXXX, but they continue charging all sorts of fees every month that make it extremely difficult to pay off my balance, and my limit is only {$300.00}, but they are not helping me conclude this relationship at all!!! My balance could have been paid off long ago if they wouldn't keep adding these fees every month - I'm drowning, and they could care less. 
It looks like that after XX/XX/XXXX they are choosing to break the law. I called them this morning and had a conversation with them and I mailed a letter today which included the article from CFPB, dated XX/XX/XXXX, proving the new law because they act like they weren't aware. I alerted them that I am complaining about their business practices to CFPB. 
I need help dealing with them and getting out of this relationship once and for all. Thank you in advance!
Product: Debt collection

These people called XXXX of times and a few time said we was going to jail and going to sue us, and the still call about XXXX times a day for sure the same time at XXXX every morning, i told them many times to stop calling and they still call and also call our cellphones. and now they have a robocall system that calls right on time each day. The name of the place is called PortfolioRecovery
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX XXXX XXXX Account Number:XXXX  Account Name : XXXX Account NumberXXXX Account Name : XXXXXXXX XXXX  Account Number:XXXX Account Name : XXXX XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

SELENE FINANCE MY MORTGAGE PROVIDER CHARGED AN ESCREW TO MY HOME LINE OF CREDIT.THIS ESCREW ALREADY BEEN ADDED TO MY ORIGINAL MORTGAGE FOR THE PROPERTY.THEY CHARGING ME TO PAY TWICE TAXES AND INSURANCE FOR THE SAME PROPERTY.I BEEN CALLING THEM MANY TIMES IN LAST XXXX MONTHES AND THEY ARE REFUSING TO REMOVE IT FROM THE HOME LINE OF CREDIT ACCOUNT.
Product: Checking or savings account

On XX/XX/2022 I transferred XXXX from my upgrade checking account into my XXXX checking account and as of today date XX/XX/2022 the transfer still has not be completed. I have suffered {$88.00} overdraft charges. I called and spoke to someone and was told that it usually takes 4 days to transfer, but mine is going to take 10 days. I was told it would be in my XXXX account XX/XX/2022. I still have not received this transfer and still have autopay coming out until this money is in this account which will be charged XXXX overdraft charges to accumulate. Please help me with this issue. XXXX is almost here and I dont have any money for bills, groceries, gas and the rest of my bills. 

Thank you XXXX XXXX
Product: Credit card

I am writing to formally appeal the cancellation of my XXXX Citibank credit card. The cancellation resulted from an unintentional oversight in updating my autopay account. I am a XXXX  Client with XXXX, where I maintain over {$200000.00} in assets, exceeding the {$100000.00} requirement for XXXX  status, and I have documentation from both XXXX 's banking and investment divisions to verify my financial standing. 

The issue began this year when I transitioned my primary banking to XXXX. My credit card was cancelled due to three instances, in XXXX, XXXX and XXXX, when my autopay attempted to draw funds from my previous account at XXXX, which had insufficient funds after I moved my cash to XXXX. Each time I was notified of insufficient funds, I immediately resolved the balance within 1-2 days. This oversight was purely logistical ; I did not realize that I had not updated my autopay settings. 

I take pride in my strong financial standing, with a credit score of XXXX and an annual income exceeding {$400000.00}. This situation does not reflect my financial responsibility but rather an honest mistake in not updating my payment method. 

I'm reporting this through CFPB as it highlights issues of lack of personalized customer service. Despite my prompt resolution of payment issues and my strong financial position, my appeal was denied through an automated process without adequate review of my circumstances. I have been a loyal Citibank customer since 2021, regularly spending thousands of dollars per month on the card. Given these circumstances, I believe that Citibank 's handling of my situation does not align with fair banking practices that protect consumers. Therefore, I respectfully request that Citibank reconsider their decision and reinstate my XXXX Citibank credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I re-consolidated a few credit cards in order to reduce my monthly payment into one. After have all the accounts transferred into one account for XXXX XXXX, apparently some credit card companies still reported my status incorrectly. Now I have delinquent accounts showing in my credit, and it does not allow me to purchase anything on credit, even though I am still making payments on all those expenses. I just want to remove the delinquent accounts under my credit.
Product: Debt collection

It was brought to my attention that I am in debt collection for allegedly not paying my medical bill? If I did use services, I was never notified by email, phone or letter about the charges from the medical facility? I am shocked that this was reported on my credit? 

Collection Agency : Rash Curtis & Associat Balance Date : XX/XX/2020 Balance : {$1200.00}
Product: Student loan

I submitted renewal paperwork to Fed Loan Servicing via fax on two occassions, once on XXXX XXXX and once on XXXX XXXX. Fed Loan servicing is only acknowledging the reciept of the second fax on XXXX XXXX, and in addition to that had increased my payments from $ XXXX/month, to about $ XXXX/month. They reported to me in an email that they are still processing my Income Driven Repayment plan request as of today, and that in the meantime I am responsible for whatever payment they request of me. I find this unacceptable, that they can take almost two months to process this basic paperwork, and in the meantime charge me more than half of what I make each month, especially being that I was already on a IDR plan and this was just to renew that plan. This is causing me severe financial and XXXX, as well as taking a toll on my credit report this month. I would be more than happy to forward to you the same financial documents I sent to them to verify that $ XXXX/month is a severe burden to me financially. 
Thank you
Product: Debt collection

I received a letter from Credit Control LLC dated XX/XX/2020 indicating that I promised to pay an amount certain on a future date. 

1 ) I never verbally or in writing made any payment commitment, 2 ) How can I make a commitment on a date in the future?
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed an incorrect date on XXXX XXXX with Transunion for the XXXX XXXX account listed on my credit report, and a month later XXXX XXXX sent me an notification that the XXXX XXXX account has been deleted off my credit. This dropped my score 117 points. I contacted Transunion and they said they sent a letter to XXXX XXXX on XXXX XXXX and due to no reply back after 30 days the account was deleted. I 've contacted XXXX XXXX numerous of times and even reported this problem to XXXX. I have been getting the run around since XXXX and no one seems to not know what to do. FInally in early XXXX, someone responds to the bbb complaint and says they re loaded my account information in XXXX and the credit companies should see it. I contacted Transunion only for them to tell me that they ca n't see the account in XXXX, and I need to tell XXXX XXXX to complete an re insertion by contacting Transunion marketing services. I was told this by a male rep. I contacted XXXX XXXX to relay the information and they tell me they contacted marketing services of Transunion and XXXX is telling her that XXXX XXXX was never an account on my credit. This is so frustrating, for 2 months I have been on hold to accomplish some life goals, because my credit is holding me back all because of XXXX XXXX. Please help me. I will attach the reply from an XXXX XXXX manager on bbb and I will attach the payment history in XXXX XXXX, and I will attach a screenshot of the notification of the account being deleted.
Product: Debt collection

Creditor is reporting accounts that are invalid and unverified. XXXX and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 


I C SYSTEM INC {$820.00} XX/XX/2018 XXXX