23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I took out a mortgage for a condo in XXXX, FL in 2018 Escrow was NOT part of the mortgage loan. 
In XXXX XXXX sent the tax bill to the XXXX address, but I do not get mail there. 
So they notified the bank of the taxes due. 

Freedom Mortgage has been billing me : {$1700.00} every month for escrowing just my real estate taxes. The problem is : for 12 months my real estate tax is {$9300.00} for the year. Freedom Mortgage is billing me annualized : {$20000.00} for a {$9300.00} tax bill. 
Year to date they have collected from me : {$11000.00} for the escrow, I have surpassed the amount of the real estate tax due for the year and Freedom Mortgage will NOT stop billing me : {$1700.00} - they have already reported me late by 30 days to the credit bureau 's even after I disputed the charge. 

I have recorded my last call with them. 
So far I have at least 15 hours of calls in to them, no resolution. 
I have faxed them. I have emailed them. I have sent them messages thru their website for customers. I have in boxed their CEO, Senior VP, COO all via XXXX - no responses. 

Freedom Mortgage Corporation XXXX XXXX XXXX XXXX Mt. XXXX, NJ XXXX United States Lender NMLS ID : XXXX XXXX They are bad people who run a crooked business. 
I have filed complaints in NJ and FL with the regulatory entities for each state that oversee banking and lending. Hopefully, I will get some relief from someone. 

Also they lied and said my LTV ( Loan to Value ) fell below 80 % - LIE I put 50 % down in cash : owe them {$290000.00} and the recent appraisal for the property done by a bank ( I have it for sale ) came in at {$570000.00} - plenty of equity in the condo. 

NEVER, EVER TAKE A MORTGAGE FROM THESE PEOPLE.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX : {$500.00} ; 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

Equifax will not remove tge in accurate reporting of my permanently discharged federal student loan. It says open with a balance owed.
Product: Money transfer, virtual currency, or money service

Previous complaint # XXXX XXXX was completely incorrect. They did not investigate per their response and their supervisor hung up on me. They are not processing my claim as Fraud and keep stating that I " approved '' the transaction.
Product: Credit reporting or other personal consumer reports

I was declined for a recent credit loan due to fraudulent activity under my name and social security number. I pulled my credit and it shows too much debt to income. One of the reasons was that a credit card was taken in my name for XXXX. During this time period, I was sailing around the world in the XXXX XXXX and never applied for this credit card nor did I ever have it in my possession. I am XXXX due to illness at present and am attempting to get off XXXX to function as a productive member of society. I applied for a boat loan and was denied due to debt to income ratio. I am being discriminated against and denied my fundamental right to credit.
Product: Vehicle loan or lease

A car was financed using my information and on my credit report. I have filed a police report and have informed the finance company. Now I see on my credit report that it was sold to a collection company
Product: Credit reporting, credit repair services, or other personal consumer reports

FILED ON XX/XX/XXXX STILL NOT GOT IT BACK XXXX In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. In accordance with the Fair Credit Reporting act XXXX Account # XXXX ( OPENED XX/XX/XXXX ), has violated my rights. In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX ( OPENED XXXX ), has violated my rights. In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX ( OPENED XXXX ), has violated my rights. In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX ( OPENED XXXX ), has violated my rights. In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX ( OPENED XXXX ), has violated my rights. In accordance with the Fair Credit Reporting act US BKPT CT WI 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 a account without my written instructions
Product: Credit reporting

My personal information was stolen during a break in on XXXX XXXX, XXXX. I have a police report and my ssn, id, and birth certificate was taken. This is not my inquiry and it is fraudulent and needs to be removed. XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX,
Product: Money transfer, virtual currency, or money service

They called me like they were XXXX support and told me they could refund my money back but instead they had me download a app where he could see my Id and all my information on my phone the transferred my XXXX to XXXX now all my money gone
Product: Credit reporting or other personal consumer reports

I called the credit bureaus ( Equifax ) I was told I have to do FTC report because my identity was compromised because I have inaccurate things on my report that I never even associate with. Which I know because Im in a process to buy a house.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a copy of my Experian credit report, and I noticed some late payments posted on my credit report : XXXX XXXX Your company is in clear violation of the law. Under 15 USC 16816 - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly States : ( 2 ) EXCLUSIONS -Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Product: Mortgage

RUSHMORE STATES THAT THEY RESPONDED TO NUMEROUS COMPLAINTS THEY FAIL TO MENTION THAT THEY JUST PICK AND CHOOSE WHICH PARTS OF THE COMPLAINT THEY ADDRESS 1 ) THEY SOLD MY HOME FOR {$100.00} TO XXXX XXXX APPRAISAL IS OVER {$350000.00} AMOUNT OWED IS BETWEEN {$220000.00} AND {$260000.00} 2 ) THEY SENT PAYOFF LETTER THE DAY OF THE SALE AND STATED IT WAS GOOD UNTIL XX/XX/2018. WHEN I CALLED REGARDING THE LETTER BEFORE XX/XX/2018 THEY STATED SORRY HOUSE IS SOLD LETTER IS IRRELEVANT 3 ) ALL PAPERWORK WAS NEVER SERVED ON XXXX XXXX ( LACK OF JURISDICTION ) 4 ) PAYOFF AMOUNTS ARE NOT THE SAME ON ANY PAPERWORK LAWYERS HAVE ONE AMOUNT RUSHMORE ANOTHER AND THEY DISREGARDED ALL REQUESTS TO EXPLAIN 5 ) THE MODIFICATION PAPERWORK WAS IRRELEVANT AND A JOKE THAT THEY OFFERED IT BECAUSE AS STATED IN THEIR OWN LETTER THEY DO NOT OFFER MODIFICATIONS FOR HOMES AS DELINQUENT AS MINE ANY MODIFICATION OFFER WAS FRAUDULENT BECAUSE THEY KNEW THEY WERE NOT GOING TO ACCEPT IT. 

6 ) ALL ASSIGNMENTS ON THE MORTGAGES ARE FRAUDULENT. THEIR OWN ATTORNEY STATES IN CORRESPONDENCE THEY DO NOT EVEN KNOW WHERE THE NOTE IS. 

HOMEOWNERS NEED TO LOOK AT THE REFEREE DEEDS AFTER THE SALES TO SEE WHAT THEIR HOMES ARE BEING SOLD FOR
Product: Mortgage

Since XXXX my mother fell behind on her mortgage due to pandemic ( illness, job loss and tenant loss ) and was able to resume paying more XXXX vs the XXXX that she was paying before effective XX/XX/XXXX and will continue to pay this amount. Since XXXX I have attempted to work with SPS to either A. defer the outstanding balance to end of loan or B. allow her to repay the amount into months that does not exceed XXXX dollars. I have sent paper work, filed multiple loan assistance forms for them to share in XXXX that they can break up payment into XXXX ( she will lose her house and set herself up for failure if she accept this plan, I have shared this with SPS ). Again on XXXX I re applied for her with the same request only for SPS to again on XX/XX/XXXX share that they need her to pay XXXX. Please help my older single widow mother keep her home.
Product: Debt collection

This complaint is made against Comenity Bank and XXXX XXXX. The last purchase made at the XXXX XXXX retail store in XXXX, GA was XX/XX/XXXX for {$130.00}. Since that time, there have been no additional purchases. The current balance due as of XX/XX/XXXX is {$970.00} due to late fees, and a predatory interest rate of 26.49 % Contacted Comenity Bank ( XXXX, OH XXXX ) XXXX to request a settlement on this outstanding debt. Multiple attempts to get a settlement option have been unsuccessful. Each time being told that was not an option. On XX/XX/XXXX, I was transferred multiple times, spoke with 6 representatives and requested a settlement offer from each of them. I was told repeatedly that a settlement was not possible -- since a partial payment was made on XX/XX/XXXX. No additional payments were made, the account was again in arrears on XX/XX/XXXX when I called Comenity Bank and attempted to negotiate a settlement to resolve the debt. Again I was transferred and spoke with 3 representatives, the last was a supervisor, " XXXX '' who was curt and dismissive. I would like to settle this debt for far less than the current {$970.00}. since the original bill was only {$130.00}. 
On XX/XX/XXXX I called and spoke with XXXX who offered an option but could not provide a confirmation in writing before the payment was made that it was to be a final settlement. Given the recent difficulty this is unacceptable. 
Here 's the backstory -- in XXXX I relocated from XXXX, GA to the XXXX XXXX area while my home was being renovated. I had a XXXX XXXX in XXXX I am very embarrassed and somewhat distraught over the neglect of this account. The balance increased on this account due to late fees and interest charges. This is a request to remove and or significantly reduce all bank fees and interest fees.I am willing to settle and close the account. Thank you for your assistance in resolving this matter.
Product: Debt collection

On XX/XX/2022 XXXX XXXX paid me to move out of my apartment and keep my mouth shut about the discrimination/retaliation I had faced from them for the past 5 years. At the beginnin of XXXX I was notified I owed a debt to XXXX despite them payin me to move out, I contacted the debt collector and asked them to validate the debt and on a few weeks later I got a statement that said I nothing was owed for rent, late charges, legal fees, nsf, utility, lease termination, insufficient fee, legal fees, dispossession fee, warrant fee, eviction fee, cleanin charges, damages, key charge, expcept for other non tenant rent was what was claimed to be owed not really a validation or explainin where this debt came from especially when XXXX paid me to move and has yet to pay my deposit of {$500.00} back? I sent a letter back on XX/XX/2022 to National Credit Systems requestin a validation of this fraudulent debt that XXXX seems to have just made up, and no response has been given. It has been reported on my credit report even though their hasn't been any judgements or court orders against sayin I owe XXXX a dime! 

XXXX XXXX XXXXXXXX
Product: Payday loan, title loan, personal loan, or advance loan

In XXXX of 2022, I borrowed {$6200.00} from Net Credit. I was set up to pay {$160.00} every two weeks. I was struggling to pay the {$330.00} a month so a couple of times my payments were lowered for a short time ( {$84.00} for awhile and then {$54.00} for awhile but now back to XXXX ) They not only sent me as past due to credit bureau, after agreeing to the smaller payments for a time ( they never told me I would be past due for making a payment arrangement for a lower amount ) they have applied almost 100 % of my payments ( which have been around {$7400.00} ) to interest ( other than around {$260.00} ) so I have paid MORE than I borrowed and they still say my principal is {$5900.00} and if I want to pay it off the total they say I owe is {$8100.00}! They claim to have no penalty if you pay early, but they are getting all of their interest FIRST before they apply anything to the principal so that is essentially a penalty. I have asked them many times why my full payments are only going to interest and they say because they lowered my payments a few months at the beginning.. They don't really give me a good explanation. This is predatory. How can I have paid over {$1200.00} more than the original loan, and only {$260.00} has gone to interest? and still owe {$8100.00} if I paid it off today?? I have emailed them several times and have made complaints with the XXXX and nothing has been explained to me that makes sense.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX XX/XX/XXXX The following inquiry was not authorized and should not be reporting. 
XXXX XX/XX/XXXX The following inquiry was not authorized and should not be reporting. 
XXXX XX/XX/XXXX The following inquiry was not authorized and should not be reporting. 
XXXX XX/XX/XXXX The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XX/XX/XXXX The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXXXX/XX/XXXX The following inquiry was not authorized and should not be reporting. 
XXXX XX/XX/XXXX The following inquiry was not authorized and should not be reporting. 
XXXX XX/XX/XXXX The following inquiry was not authorized and should not be reporting.
Product: Credit card or prepaid card

I applied for a Citibank card that advertised an introductory rate of 0 % APR for the first 18-months. I applied on the phone, and the Citi representative confirmed it was a 0 % APR card. When I received the card in the mail, the paperwork stated the APR was roughly 15 %. I called Citi and they confirmed that they do offer a 0 % APR card, but for some reason the Citi rep I spoke to while applying for the card lied to me, OR they submitted my application for the wrong card. I cancelled the card I received.
Product: Credit card

There was identity theft with my name and XXXX. 
Somebody opened several bank account under my SSN and name with credit cards and never payed them. 
I was not even in the XXXX at that time, so I want to report fraud identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contacting you to resolve and on going issue as it seems to not be given the according attention to finally resolve it. I have written in numerous times filed many various complaints the last one being XXXXand will have to take this up with the better business bureau and FTC as it’s not being corrected . Experian has failed to remove an account who the original creditor XXXX agreed to have it deleted but Experian has NOT YET taken immediate action. I need this account removed from all three major credit reporting agencies as the investigation XXXX conducted stated they would.
Product: Checking or savings account

I had multiple unauthorized transactions on my account that I never got reimbursed for
Product: Checking or savings account

On Thursday XX/XX/23 me and my husband XXXX XXXX XXXX deposit an {$4500.00} check from his XXXX account XXXX XXXX XXXX XXXX into our PenFed  account. We did know that it will take about 5 business days for us to received our funds from the deposit. We already had funds in the account from both of our paycheck. Once we deposit the check it did give us an amount of {$3000.00} plus funds from our paycheck. A rep called me on Friday XXXX XXXX XXXX to verify to make sure that my husband was on the account and not deposit in an individual account. Rep stated to verify my husband name and I did. Then the rep apology saying that he was sorry for calling me, because he do see my husband on the joint account. First of all when PenFed pulled up the account, they should have saw my husband name on the account along with mines. When I checked the account after the rep hung up with me. The balance was XXXX XXXX. After XXXX, I notice that our account was an negative XXXX XXXXXXXX. Which the account should have not been negative. I'm really upset with PenFed, because we have deposit an check before from XXXX XXXX in the amount of $ XXXX from his XXXX and we never had a problem. So, now we don't have any money for XXXX to spend on our family. After our account is cleared with PenFed we will be moving our membership to another bank.
Product: Credit card

Never received statements on the credit card, or have the credit card in my possession as I made it aware to Continental Finance that I had lost my XXXX credit card but could n't get a new one due to the account being closed. I would like the late payments to be removed from my credit report.
Product: Debt collection

Page 2 Represents the purpose of the Overdrafts fees They also state that the Debit Plus program will cover any fees dealing with insufficient funds. There is no mention of any thing else but that. 
Page 3-4 ( Message Detail ) confirms that I in fact had overdraft fees and not special handling fees They also confirm that I'm currently enrolled in the Debit Plus Program and there's never any mentions of " Special Handling Fees '' Page 5 & 6 are the closest representations to the totally free checking account I signed up for again there is never a mention " special handling fees '' Page 7-9 is from the Bank Vice President who had time to make up false terms and did not know about the communication with the online bank customer help. He contradicted the statement that was said on Page 3 that was seen for their brochure on Pages 2 & 6 about a {$30.00} overdraft fee which was never properly applied to my account since its inception. 
The explanation given that I had " special handling fees '' was a bit of a fallacy and it was the exact same amount as Overdraft Fees which were {$30.00}. He also states I had a full mailbox ( That wasn't true they just didn't want to communicate back with me ) Page 10 on starts the highlighted " Special Handling Fees '' of {$30.00} which mostly include " Continuous Overdraft Fees '' of {$10.00} more to my account. When I first started with my account the online banking would present the {$30.00} charges as " Overdraft Fees '' it wasn't until after the statements came out or days later when the amount charged would not be covered and have the label " Special Handling Fees '' They add in additional funds owed to over {$300.00} to {$310.00} in collections because that would also become a Chex Systems history on top of the amount of " special handling fees '' even after the closed out amount on my account was {$280.00} and they never covered a single overdraft.
Product: Credit reporting or other personal consumer reports

My personal and financial information was compromised without my authorization. The XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) protects the confidentiality of student records. This breach is a clear violation of XXXX and your responsibility to protect my information. Given the severity of this breach and the resulting compromise of my personal and financial information, I request that you immediately cancel and discharge my student loan debt in full.
Product: Credit reporting or other personal consumer reports

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent.

1. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX, GA XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXXXXXX XXXX XXXX, GA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM NOT RESPONSIBLE FOR THIS LOAN, I HAVE DISPUTED WITH ALL THREE CREDIT COMPANIES, SO FAR XXXX  HAS DELETED THIS ACCOUNT. I CAN NOT GET IN CONTACT WITH A REP FROM THE COMPANY ANYMORE. THEY ARE REPORTING THE WRONG INFORMATION ON MY REPORT
Product: Debt collection

n accordance with the Fair Credit Reporting act XXXX Account # XXXX 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 a account without my written instructions