23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My monthly mortgage payment is XXXX. For this XXXX payment, Freedom Mortgage processed the payment twice i.e. they withdrew twice ( electronically ) the monthly payment from my checking account at XXXX : once on XX/XX/XXXX and another on XX/XX/XXXX XXXX please see the attachment ). I called on XX/XX/XXXX to ask for a refund they said it will take 2-3 business for the refund to be deposited back in my bank account if I can prove that two payments were made, although their own website was showing two payments. On the same day ( XX/XX/XXXX ) I emailed them my bank statement showing running balances including the two payments ( see attachment ). 

The main problem is : 1- Until today XXXX, I have not have not received the payment although their website indicates that I was issued a refund. 

Lesser problems : 1- Their website shows an escrow refund, which is not correct. The escrow account is for tax and insurance payments and had nothing to do with the case. It was never an issue or discussed or a problem. It is unclear why the say it is an escrow refund 2- They never applied the additional payment anywhere. The money just vanished. Normally it should apply to principle or next month. This is issue is moot if a refund is processed and I receive the money back. 

Additional information about the quality of their response/ ; Their customer care was not helpful. I had to make several calls on XX/XX/XXXX. On the 1st call, the representative did not have an answer for why the refund was not issued yet. She had to reach out to another team. After waiting for more than 25 minutes on the 1st call, I was disconnected by the representative. No attempt was made to reach me afterwards. I called again, and the next representative had a different story : she said that it will take up to 18 days for the refund to be issued. When I asked why so long for the refund when the withdrawal took less than one day? she had no answer. I told her that I will report this to the CFPB and to the XXXX XXXX XXXX, she became belligerent and accused me of not hearing properly and misrepresenting what she said and kept interrupting me then hung up.
Product: Credit reporting, credit repair services, or other personal consumer reports

This in a formal complaint against Experian. Because you are reporting false, incorrect, fraudulent information. For violating federal laws, for defamation, for reporting addresses that do not identify me. For reporting accounts that you have not verified, because these accounts you reported were opened under fraud, without my authorization and without my permission. I want to manifest that I am doing this myself under my conscience, because I realized that they take my disputes frivolously. I am tired, stressed and exhausted from calling so much on the phone and that their agents are so disrespectful, she answers rudely, are they making fun of me? in my face, they speak to me in a sarcastic way, how unprofessional to tell me in my face that my policy reports have no doubts about their expectations, perhaps they insinuate that they are false??? that awkwardness ( IS IT A VICTIM OF IDENTITY THEFT IS A WONDER? ), Now as you have the audacity to say that the documents you sent them are false??? In view of the seriousness of the matter, request that Experian, number 1- Contact the Police Agency where he made my legal complaint of my Identity Theft and verify the veracity of my documents, 2- Block fraudulent information, such as what established by Federal Law. And there is something in particular that I request and that is why they don't do their job as it is? He requested that the  reporting address harm me because that is where he had the fraud, every time I call to dispute incorrect information, I literally replied : WE CAN NOT BLOCK THIS ACCOUNT AGAIN BECAUSE IT WAS UNLOCKED BY THE COMPANY, WE CAN NOT BLOCK THE ADDRESS BECAUSE THE COMPANIES REPORT THEM. BREAK THAT ACCORDING TO THE LAWS OF EXPERIAN. WHY CAN'T DISPUTE FRAUDULENT INFORMATION? 2 YEARS AGO A VERY PARTICULAR EVENT OCCURRED IDENTIFYING WHAT IS HAPPENING. AN AGENT IN A CALL WAS VERY SARCASTIC? SAID YOUR POLITICAL REPORT DOES NOT MEET EXPERIAN STANDARDS?? ASKED AND AS EXPERIENCED HOW AS DBE TO BE A POLITICAL REPORT??? THEN 2 MONTHS PASSED AND THAT AGENT CALLED ME ON THE PHONE? APOLOGIZING AND SAID ME. ON BEHALF OF EXPERIAN I APOLOGIZE YOU FOR WHAT HAPPENED AND WE WERE VERIFY THAT YOUR INFORMATION IS CORRECT AND LEGAL, I WILL PROCEED TO BLOCK THE INFORMATION YOU HAVE. I REQUEST TO BLOCK THESE FRAUDULENT ACCOUNTS : XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX SERVICES. AS WELL AS ALL THE PERSONAL INFORMATION AND ADDRESSES I SEND WELL SPECIFIED IN MY LETTERS, I AM SUPPORTED WITH ALL LEGAL DOCUMENTATION TO REQUEST THE IMMEDIATE BLOCKING OF ALL THE INCORRECT AND FRAUDULENT INFORMATION THAT IS BEING IN MY REPORT. 

The following are the accounts that should be blocked and removed immediately : 1 ) XXXX  XXXX XXXX, ACCOUNT NUMBER # XXXX 2 ) XXXX  XXXX XXXX, ACCOUNT NUMBER # XXXX 3 ) XXXX XXXX SERVICES, ACCOUNT NUMBER # XXXX XXXX ) XXXX XXXX XXXX, ACCOUNT NUMBER # XXXX XXXX ) XXXX XXXX XXXX, ACCOUNT NUMBER # XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXXXX/XX/XXXXAccount : XXXX XXXX XXXX XXXX Account : XXXX XX/XX/XXXXXXXX Account : XXXX XXXX Account : XXXX XX/XX/XXXX XX/XX/XXXXAccount : XXXX XX/XX/XXXX Account : XXXXXX/XX/XXXX Account : XXXXXX/XX/XXXX Account : XXXX XX/XX/XXXX Account : XXXX XX/XX/XXXX Account : XXXX XXXX & XXXX XXXX Account : XXXX XXXX XXXX XXXX Account : XXXXXX/XX/XXXX 
Account : XXXX XX/XX/XXXX Account : XXXXXX/XX/XXXXAccount : XXXX XX/XX/XXXX XXXX Account : XXXXXX/XX/XXXX Account : XXXX XX/XX/XXXX Account : XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX States I have the right to privacy. XXXX XXXX XXXX section XXXX section XXXX also states a consumer reporting agency can not furnish an account without my written instructions. XXXX XXXX XXXX.XX/XX/XXXXXXXX ) XXXX 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 oXX/XX/XXXXwhich antedates the report more than XXXX years. XXXX XXXX XXXXXX/XX/XXXXA Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above
Product: Debt collection

I requested XXXX XXXX XXXX internet be installed in my apt around XX/XX/year>. A workman left after installing the internet and 2 rogue gentlemen showed up at my apt door to speak to me about switching to their wireless service, unannounced ( I didn't request any additional services from XXXX XXXX XXXX XXXX. I spoke to them about changing wireless carriers, ( which never occurred ) and I paid a fee for a new XXXX phone and XXXX  watch. Approximately, 7-8 days later XXXX XXXX XXXX sent an XXXX watch to my fathers house, and a new phone to the same location, which arrived approximately 6-7 weeks later. That was not what I was told about the equipment/service and the cost was higher than I was told. I contacted XXXX XXXX XXXX who could not find my account, as well as the salesmen who came to my house. I received no assistance initially from either and I felt I was being duped. About 10 days after that, XXXX XXXX XXXX debited my account on XXXX individual occasions for these phone/watch/activation service fees, this caused numerous NSF fees. Several screaming calls to XXXX XXXX XXXX later, yielded a customer service representative who located my account, he claimed that my account wasn't labeled correctly and that's why none of the other representatives to locate it and he was able to refund some of my money. That customer service representative told me I was being debited continuously so that XXXX XXXX XXXX  could get their money upfront and that the debits would continue. At that point, I sent back all of the equipment. I have the returned equipment receipts from XXXXXXXX XXXX XXXX I had to cancel that debit card to stop the repeated debiting. I do not owe XXXX XXXX XXXX any money for any services other than internet service which is current, I don't have or want their wireless service, cable service or any other services from them.
Product: Debt or credit management

Five Lakes Law Group used deceptive business practices, promising to resolve my debts in a reasonable time limit. They charged me excessive advanced fees, misled me with their promises to settle debts with particular lenders, such as XXXX XXXX, and failed to inform me about my rights to funds that were left over in my escrow account. 

I enrolled in this program XX/XX/XXXX under the false pretext that it was better to go this route than apply for a consolidation loan to pay off my debt on my own. I specifically asked XXXX XXXX if I could terminate this service at any time and if I would be entitled to any excess funds in my escrow. He assured me that I could terminate anytime without any penalties. 

In the past year, I noticed that my deposit payments were increasing and that only XXXX lenders ( XXXX and XXXX XXXX ) had been contacted for settlement. I also noticed that an excessive amount of funds were going towards fees that had not been explained to me previous to signing the contract. 

I also noticed that settlement fees that were supposed to be paid to XXXX XXXX  had been returned and not re-issued. There were XXXX payments paid, XXXX {$760.00} and XXXX {$780.00}. Both of those payments Failed on XX/XX/XXXX and the funds were not re-issued. 

I made deposits of {$9900.00} and was charged {$8400.00}. I have yet to get an explanation regarding the {$1500.00} that should be refunded back to me, since they double charged me with their settlement fees and only attempted to settle XXXX debts.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of fraudulent accounts and inquiries from my credit report. I am a victim of a data breach, and the following accounts and inquiries were fraudulently added to my credit file. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request your prompt action to remove this information : Fraudulent Accounts : XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$20000.00} XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX - {$270.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$13000.00} Fraudulent Inquiries : XXXX - XX/XX/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 XXXXXX/XX/XXXX
Product: Mortgage

XXXX XXXX I was hospitalized for a XXXX  incident. During that time XXXX XXXX mailed a letter stating my mortgage was transferred to XXXX in c/o Loan Care. Automatic payments from my bank account ( XXXX XXXX ) continued thru XXXX was contacted by Loan regarding no payment received. I check my bank account and the payments were missing. Soon after I was locked out being able to make payments because of being 3 months behind. A legal representative from Loan Care contacted me regarding a loan modification. I did contact a company to assist. However during this time I had 2-3 medical setbacks and could not respond as timely as usual. Loan Care 's Legal representative proceeded toward foreclosure. With the assist of XXXX XXXX XXXX XXXX XXXX XXXX. I successfully filed bankruptcy XX/XX/XXXX to keep my home. XX/XX/XXXX Loan Care sold my account to XXXX. My payments were up to date. Due to their system of processing, I was unable to make a payment until XX/XX/XXXX and the payment was for one month. Recently I received a letter regarding a motion to lift automatic stay because my mortgage is two months behind. It is not. Possible one month due to their delay with processing during the  XXXX transfer. This is an urgent matter because the hearing for lifting Automatic Stay is dated for XX/XX/XXXX, XXXX. I have documents to fax only.
Product: Checking or savings account

In XXXX, visited Wells Fargo to help recover money lost due to a scam. They stated they are unable to help, because once the money is transferred they are unable to do anything else.
Product: Debt collection

PHOENIX FINANICAL SERVIC HAS A ACCOUNT ON MY CREDIT THATS NOT MINE/INACCURATE.
Product: Mortgage

My mortgage was recently refinanced & transferred to Nationstar Mortgage, DBA Mr. Cooper. On XX/XX/XXXX, I contacted them regarding my home owners insurance ( due for renewal in XXXX ), they informed me the policy had been paid that same day. XX/XX/XXXX I spoke to my insurance company & they stated no payment had been received. I paid the policy directly and contacted Mr. Cooper to inform them it had been paid, proof of payment had been sent, and I asked them not to disburse payment from my escrow account, I was ensured no payment would be sent. XX/XX/XXXX I received an email confirming payment to my home owners insurance. I contacted Mr. Cooper again to discuss my ( now ) negative escrow balance, while on the phone, I noticed the payment for my property taxes was scheduled for XX/XX/XXXX, however, my property taxes are due no later than XX/XX/XXXX. I contacted my assessor 's office to ask that my property tax bill be sent to my new mortgage company, they informed me they don't do that, the mortgage company should contact them. I made an escrow deposit to cover my taxes and have since contacted Mr. Cooper twice to discuss payment of my property taxes, they continue to tell me they will be paid before XX/XX/XXXX, however, my account still reflects a property tax due date of XX/XX/XXXX. If I knew I could pay my own property taxes and trust that a Mr. Cooper agent would property notate my account to avoid a double payment, I would do so, however, based on my experience with my insurance, I can't trust anything they tell me. Mr. Cooper has been my mortgage company for fewer than 60 days and in this time I have had to contact them numerous times. Wait times are typically 10 minutes and I have yet to speak to a competent agent. I shouldn't have to babysit my mortgage company to ensure they are making accurate escrow disbursements in a timely manner.
Product: Credit reporting or other personal consumer reports

The account with XXXX XXXX XXXX credit card in the amount of {$5200.00} has been on my credit report beyond the timeframe. The debt is more than XXXX years old and must be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good day. I would like to reach out to you guys to seek help regarding my account. I am hoping you could spare some mercy as to what we are all experiencing. Amidst this worldwide crisis that we are facing, I lost my job due to company shutdowns and community lockdowns because of this I was able to miss payments and be late on them. Since XXXX our company where I worked with became unstable due to the Corona Virus that is fast spreading and since then production and services were cut off to save profit. Not long they cut down manpower too and unluckily I was a part of it.
Product: Credit reporting or other personal consumer reports

Someone has been trying to apply for credit using my name. The following Credit Inquiries are NOT mine nor did I ever consent or authorize any of these companies to pull my credit : Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I called the CFPB twice to verify my information as per my last complaint and I was told that I need to resubmit my complaint because it was 'closed '. Not sure why this is the case but I am resubmitting my complaint now : Commencing on or about XX/XX/2021. I fell victim to a multilayered scam operation orchestrated by XXXX XXXX / XXXX ( the Scammers ), XXXX : XXXX XXXX ( the Scam Company ), all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. Money was transferred from my account via bank wire, and through an intermediary named XXXX XXXX, XXXX XXXX, and XXXX XXXX in the total amount of {$20000.00} USD utilizing JP Morgan Chase services.
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/2023
Product: Mortgage

Freedom Mortgage charged us a late payment fee of {$120.00} when we never paid late because our mortgage was automatically deducted from our bank account. 

Freedom Mortgage provided the incorrect escrow balance on our Payoff Statement, dated XX/XX/2020. The escrow balance listed was {$3900.00} and did not include the XX/XX/2020 escrow payment. Correct escrow balance was {$4700.00}. 

We are owed {$8700.00} from Freedom Mortgage. It is XX/XX/2020. Freedom Mortgage received full payoff amount on XX/XX/2020.
Product: Credit card or prepaid card

My corporate credit card is with Citibank. I lost my card around the end of XX/XX/XXXX. I was sent a new card. Since then I haven't been able to get an online statement or look at my charges. I've talked to Customer Service at least ten times and have spent hours on the phone trying to resolve this and set up new user names and passwords, but none of them have worked.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, XXXX, AND TRANSUNION CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file 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, credit repair services, or other personal consumer reports

I'm sending you this complaint to let you know that I was a victim of identity theft. According to FCRA section 605b, credit reporting agencies are required to block/remove any accounts listed on an identity theft report. I did some research on how to remove the fraudulent accounts from my report and discovered that I needed to visit the Federal Trade Commission or https : //www.ftc.gov to file a report. Please refer to the ATTACHED materials to help stop false information from being put on my report. The accounts and other objects that do not belong to me or that were opened without my consent are listed here : XXXX XXXX XXXX L XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$140.00} XXXX XXXX Balance Owed : {$770.00} XXXX XXXX XXXX Balance Owed : {$290.00} XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. FCRA Section 605B ( a ) states that the CREDIT REPORTING AGENCIES must block any information in a customer 's file that the consumer claims came from an alleged identity theft no later than 4 business days from the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security were being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible. 

XXXX  XXXX {$5400.00} XXXX  XXXX {$1200.00} XXXX   XXXX {$72.00} XXXX XXXX XXXX {$1200.00} XXXX  XXXX {$2300.00} XXXX XXXX XXXX XXXX {$1000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX TransUnion XXXX XXXX XXXX 2000 XXXX PA XXXX XXXX REINVESTIGATION Be Advised : The following accounts are coded incorrectly per XXXX XXXX  Guidelines. 
These are both Retail installment loans, not AUTO LOANS They should be coded as such and as XXXX not XXXX You are reporting these accounts as late instead of billing errors with the error in coding which is causing my score to suffer by more than XXXX points. 

You have 15 days to UPDATE your errors per XXXX XXXX Guidelines XXXX XXXX XXXX Ready to SUE, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This Debt was paid in full when they garnished my tax refund check in 2013 I have contacted the the department of education on several occasions but they have failed to submit me the information validating the debt is very frustrating. I'm trying to buy a house and i cant get them to remove this negative information from my credit report. There is a big discrepancy on my report with XXXX XXXX XXXX as well which is very confusing both student loan companies are reporting inaccurate information. I was young at the time and didn't know the severity of this situation and how it affects my credit. Please help me with this situation as i try to progress to be a productive citizen.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being. I have rights under 15 USC 1681. XXXX is govern by 15 USC 1681. And they have violated my rights numerous of times. I demand the accounts listed below be removed. According to to 15 USC 1681 : I have the right to privacy and did not give Transunion written permission to furnish these accounts. 

Accounts : XXXX XXXX INQURIES : XXXX XX/XX/22 XXXX XX/XX/22