23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Our home mortgage was sold in XXXX of XXXX to Freedom Mortgage. Throughout the life of our loan, we paid into an escrow account that paid our taxes twice per year. Once in XXXX and again in XXXX. When the loan was sold, Freedom claimed that our account was set up to only make a single tax payment from our Escrow account, however we have records that indicate in XXXX it was paid in XXXX and again in XXXX. Freedom conducted an escrow analysis in XXXX of XXXX that indicated we had a " projected shortage '' of {$3900.00} dollars. Which was absolutely ludicrous as our taxes are only {$5700.00} per year and we pay roughly $ XXXX/mo towards our escrow account. Every time we tried to speak with Freedom, they said they " would start an investigation '' and would " follow up '' with us or we were disconnected or was told contradicting information. XXXX representative told us that the {$3900.00} was a shortage from XXXX that they paid for us so that was why we were having to pay it back another said it was a " projected shortage. '' Multiple times we requested that they change back our payment schedule to twice yearly, however they never did and instead broke up the {$3900.00} shortage into 12 month payments for us to " pay back '' which resulted in an approximate increase of $ XXXX/mo to our mortgage. We have recently refinanced with another lender just to be done with Freedom but in the meantime have paid the increased mortgage amounts to avoid late fees/credit reporting as we have outstanding credit and have never missed or been late with a mortgage payment. I 've never felt so cheated about something in my life and Freedom has continued to show poor business practices through our refi sending the wrong payoff amounts multiple times over, which I can only believe was intentional to stall the loan payoff through the end of the year. At this point, the payoff was wired to Freedom today from our new lender, we had to increase our loan amount by roughly {$2500.00} because they did n't send the accurate loan payoff number, they now have over {$5000.00} in our escrow account and we have very little faith that they will return that money within the 30 day requirement.
Product: Checking or savings account

On or around XXXX 2015, Merrill Lynch gave away around $15,000 dollars without doing as much as a check on on who the beneficiary was, which would have been and easy to deny the person the right to cash out the money. I was wrongfully being prosecuted by an OCDAs  office that is all over the newspaper for being involved in this behavior. The case is due to go to Federal Court, where a Federal Magistrate already agreed the state was biased.

	My power attorney went to Bank of America in XXXX XXXX, California where the Bank Manager was very uncooperative and even lied that the Merrill Lynch was closed, and refused to work with him. I got a court to make phone calls and in or around XXXX 2015, I got through to Merrill Lynch after they covered up and would not give any information on the phone. In reality what could they say? They would have admit they just make it as easy possible for people to steal money when all they had to do was a check on who the beneficiary
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing for the correction and update of the payment history of the disputed account on my Credit File. However, I noticed that despite all my efforts to contact the Credit Bureaus, they have also kept ignoring my letters as well as complaints.The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance {$9600.00} Date opened May 01, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance {$4300.00} Date opened XX/XX/2018 2018
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022, and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. KINDLY UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off my student loans in XXXX The lender then sold my loan, went out of business, and my loan was sXXXX XXXX XXXX XXXX XXXXre time. All while interest upon interest has been adding up for the interim XXXX years at a 9 % rate. I have escalated this matter to the XXXX services, to no good end and am getting ready to send a package to the Dept of Education. XXXX XXXX is incorrectly reporting this information as well. I am unable to get a mortgage loan with this {$110000.00} debt on my credit and beseech you to help me clear this debt off, once and for all.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, my discovery revealed Experian, XXXX XXXX, XXXX, and XXXX XXXX breached my trust selling personal, sensitive, and credit information to foreign entities damaging my history. 15 US Code 1681 2 2 ( A ) mention companies violate laws reporting information to consumer reporting agencies. I read a person shall not offer any information to any consumer reporting agency if the person knows, or has reasonable cause to believe, the information is inaccurate because that is a violation of privacy. As 15 US Code 1681 B 2 ( a ) states, no entity can list information in my consumer report without my written permission. Per US Code 1028 ( a ) information offered without my written permission is identity theft and listing inaccurate and personal information is illegal and must be removed at once due to non-validity. I presume that no proof of the alleged debt exists. It is unfair agencies write off debts decreasing their tax burden when unfairly increasing mine. 

Identity thieves exploited a security weakness in the website of Experian. Experian requires that those seeking a copy of their credit report successfully answer several multiple choice questions about their financial history. But until the end of XXXX, Experians website allowed anyone to bypass these questions and go straight to the consumers report. All that was needed was the persons name, address, birthday and Social Security number.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've had several inquiries added to my report over the last several months that I didn't approve and that I am unaware of. It shows I was a part of a dadt breach from XXXX  and XXXX XXXX. I contacted the police last year because I received a random call from somebody saying I had accounts open In Texas which wasnt true. Now I'm showing inquiries on my report like someone is trying to put something in my name I've also contacted the police again about this they have told me they can not do anything about inquiries because they can't prove anything was actually stolen from me. I've also contacted the credit beureas and transunion and XXXX says they can't do nothing without a police report, but the police said they don't make reports for situations like this. 

The inquiries are XXXX XXXX XXXXXX/XX/XXXX Informative information XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX Please help me remove these inquiries and further protect my report from this information being exposed. I have not opened any accounts in my name or attempted in the last 2 years.
Product: Mortgage

I applied for a mortgage with Amerisave Mortgage Corporation on XX/XX/XXXX. I was forced to pay, upfront, a fee of {$500.00}, before they would consider my application. I came to Amerisave through my XXXX membership, meaning Amerisave 's origination fee could not exceed {$350.00}. My home was appraised at $ XXXX for a loan of {$510000.00}. My credit score was XXXX. My income was over {$500000.00}. This loan was the ultimate no-brainer. The communication with Amerisave became less and less frequent after they received my {$500.00}. They performed the appraisal and eventually sent me a Closing Disclosure statement but the figures on the Closing Disclosure Statement was inaccurate - the loan on the statement was for $ XXXX, not the {$510000.00} I asked for - and the origination fee was over {$1500.00} which exceeds the sum advertised by XXXX for its mortgage affiliates. When I subsequently received a revised Closing Disclosure Statement, the loan amount was accurate but the origination fee was actually HIGHER than the first figure and still well above the {$350.00} allowed as a XXXX Executive member and approximately {$4900.00} in lender credits to me had disappeared from the Closing Disclosure. My efforts to resolve the higher than permissible origination fee and the lender credits ( to me ) that disappeared were never addressed. I was told that closing would occur XX/XX/XXXX ; however, nothing happened that day. All efforts to follow-up with my processor have been ignored. I have called and e-mailed every day since last Thursday, XX/XX/XXXX, to no avail. I recently saw a XXXX settlement between your agency and Amerisave and it appears that the owner is up to his old, dirty tricks. 

I am out {$500.00} and I do not have a loan to close despite clear qualifications for the loan.
Product: Mortgage

Refer to my previous compliant ( XXXX ) regarding negligence servicing by " Ditech '' Company, and despite their letter of apology and their claim of correcting their error, I just received a " Notice of Default and Intent to Accelerate '' letter from them dated XXXX/XXXX/2016. When I called their representative they are not able to tell me how they determine that I owe them a balance ; moreover, I have all documents proving the I have made all of my payments accurately, properly and timely. They have caused me a great amount of anxiety and distress by their incompetent conduct in servicing my loan.
Product: Credit reporting or other personal consumer reports

I have contacted the credit Bureaus about inquiries that I didn't authorize on my consumer report and I called and requested for all XXXX Bureaus over the phone to have them removed. Upon checking my consumer reports I see the inquiries still reporting on my credit report and they haven't been removed I do not have a open account with any of these inquiries I want them deleted immediately. 
XXXX XXXX transunion XXXX transunion XXXX XXXXTransUnion XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXXtransunion XXXX XXXXtransunion XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX transunion XXXX XXXX XXXXtransunion XXXX XXXXtransunion XXXXXXXX XXXX XXXXtransunion XXXX = XXXXtransunion XXXX. XXXX XXXX XXXXtransunion XXXXtransunion XXXX XXXX transunion XXXX XXXX XXXX XXXX XXXX transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX transunion XXXX XXXX XXXX XXXX  XXXX XXXX transunion XXXX XXXX transunion XXXX XXXX XXXX XXXX XXXX XXXX transunion XXXX XXXX XXXX transunion XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX transunion This is a list of the names of the creditors, the dates of the inquiries and the Bureaus that are reporting the inquiries that I didn't authorize I have contacted each consumer reporting agencies to delete these inquiries but it hasn't been completed as of today 's date of XX/XX/year>
Product: Credit reporting or other personal consumer reports

i lost i.d., sent in many police reports, cfpbXXXXects.reports..
Product: Credit reporting

When using the website free annual credit report - XXXX and Experian I was unable get a copy of my credit report - XXXX I was. I got an error and an XXXX number. Upon calling the number - they wanted to sell me a copy of the report. it was fully automated and no way to chose any other option or to talk to someone live. We need the free option to download this free from the internet - I think the company has conveniently has this broken so they can sell this.
Product: Student loan

I had trouble when my payments first started. Company took down wrong credit card number. I was emailed payment went through, next, an email saying it was not accepted without a reason why. By the time I found out, the delinquent would show up on my credit report, bringing in down in as much as XXXX or more points at a time. Called many times to fix the problem and of course they would not take the blame of one of their workers making an error. Thought the problem was fixed so I joined a program and money comes out of my account automatically and after 3 payments they said this would fix the problem and not put me in delinquent. Lied again. Their company and my bank payment missed each other because of the day of the week it was. First my bank allowed the payment but days later sent it back to them.They did not notify me until it was delinquent. Even though I discovered the error and paid, they told me I was ok and I'm still in the program. They want me to continue to pay every month but will not take off all of those late payments off of my credit report. They harass me with phone calls and incorrect information. I would like them to stop putting late on all there loans which are paid all together as one payment. By are putting a late payment on each loan, it makes it look like I am not paying off either loan and counts it as three late payment.They are destroying my credit I need those late payments that are their errors off of my credit report. They are bullying me by way of my credit report,
Product: Mortgage

I have asked for a paper copy of our escrow analysis through tdbank. I was told it would be mailed as I can not access the information online to see how our overage was calculated for that year. It was never mailed to me. I was told 3-5 business days. I called back a couple months later ( today ) and they told me it was mailed on XX/XX/XXXX. I asked if they could send me proof of this they said no but they would mail it again. I also asked if I could access this information online, I was told they could not email it and it is not available through their online banking platform. I would like information on my own money that is being held in their account and they make interest off of by precollecting it. I believe this information is being withheld. XXXX who I spoke to said she would mail it again. I asked to speak to a supervisor and was on hold for an hour and never spoke to anyone. I just want the information I am requesting. I am getting their paper statements for my mortgage bill each month in the mail and confirmed the correct mailing address. I believe this information is being withheld so the bank can collect a little extra interest in my escrow account each year. I would like help in getting the information on paper and in writing.
Product: Credit card

I obtained my XXXX credit report on XX/XX/XXXX and saw I had a Chase credit card XXXX when I was XXXX. I called Chase, the informed me the card I called about is a Chase Freedom card with a XXXX limit and that I was an authorized user. They mailed me the card, I activated it, confirmed my identity, and was told I could use it. I used the card to make about {$7600.00} worth of valid purchases on XX/XX/XXXX. On the evening of XX/XX/XXXX, the card was locked by my father, who was the primary account holder. Chase refused me access to the account, I reported fraud to their fraud deparment. Chase informed me that they mailed XXXX credit card in my name to my father 's address, where I have n't live in over two years. Chase never spoke to me about my cards until I called on XX/XX/XXXX. I called on XX/XX/XXXX, I attempted to make payment arrangements for the charges with Chase, and they refused. On XX/XX/XXXX my fiances car was repossessed because XXXX XXXX received a call from Chase that the payment I gave XXXX XXXX and was authorized to make by Chase was fraudulent, and Chase reversed the charge. When I called Chase, they informed me that my father took me off as an authorized user. Chase refused to give me past bills and proceed with my identity theft charges. They informed me I need to inform the PA State Police, which I did, and need to submit proof of identity, and a power of attorney and affirmation to show I am over XXXX. Chase has refused to honor the purchases I made, and said that I can not gain information on any cards that were and are in my name and any and all charges associated with them because I no longer have access to the account. Chase told me I have to wait until XX/XX/XXXX to talk to their litigation department.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the 3 Credit Bureaus after I purchased a credit report with XXXX  on XX/XX/XXXX. After receiving a copy of my report, I saw this UNVERIFIABLE account on my personal profile, I noticed that there was an erroneous Account on my credit report which is misleading to me. I sent a letter to the 3 credit bureaus on XX/XX/XXXX. I believe they have failed to authenticate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT XXXX XXXX XXXX, and XXXX, and hoping that this account will be corrected. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax several times about several accounts that were opened in my name as a result of fraud. The accounts listed on my report for XXXX XXXX XXXX  account XXXX, Several accounts from the DPT/ED XXXX, XXXX XXXX XXXX  acct XXXX, XXXX/XXXX  acct XXXX. I have no knowledge of these accounts nor did I receive any merchandise from them. Please delete these accounts from my report. I initially sent this request XX/XX/20 with all documents showing proof that this does not belong to me. Again I am asking to remove the above accounts from credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my information, which puts me and 143 million other people at risk. I am potential victim according to their equifaxsecurity2017.com website, and would like a resolution.
Product: Checking or savings account

On XX/XX/2022, my checking account was charged a total of {$140.00} over-draft fees ; Beginning balance on this date was Beginning Remaining Balance Balance {$160.00} $ ( XXXX ) {$99.00} $ ( XXXX ) {$79.00} $ ( XXXX ) {$52.00} $ ( XXXX ) {$2.00} $ ( XXXX ) $ ( XXXX ) I agree my account was over-drawn when the {$60.00} posted, but Truist Bank charged my 4 times. 

This is " unfair practice '' and Truist Bank should be held liable for the fees and damages. In addition, I was on hold almost a hour, unacceptable customer service.
Product: Checking or savings account

I received an email stating that my account access is frozen due to unusual activity from Discover Bank. I have tried calling them for days and been on hold for XXXX hours at a time, this is absolutely ridiculous. They have ahold of XXXX XXXXXXXX of my money and are not even responding to me. I demand my account reinstated as there was NO unusual activity on my account, I was logged in XXXX minutes before it happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company illegally added an Extended Fraud Alert ( Expiration Date : XXXX/XXXX/XXXX  ; Date Reported : XX/XX/2023 ) to my credit report without my knowledge, written or verbal consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, EQUIFAX MTG  Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX
Product: Credit card

XX/XX/XXXX {$700.00} Home DepotXXXX I returned the refrigerator bought on XX/XX/XXXX as agreed with Home Depot . It is a ball of confusion as to whether or not I received a refund of the {$700.00}. I asked Citi to clear this up. It appears that there are " reversals '' that actually show as a charge to my account. For the love of XXXX I was never given a partial refund. At one point I was given {$160.00} Customer Satisfaction credit for a scratch on the frig. A day later, due to the noise of the frig, Home Depot agreed to take it back for a full refund. That leaves {$530.00}. Which I told Citi that Home Depot returned to me in cash ( on a recorded line ). 
I asked Citi to have a human being go through all of the credits, conditional credits, and debits to my credit card account and explain to me simply and clearly how it all balances out. The losers replied that they would be re-contacting the merchant. That is unnecessary and does not answer my question. 
Also, the losers ( Citi ) sent me a " XXXX page document '' on XX/XX/XXXX which only included pp. XXXX, not XXXX & XXXX.