23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My mortgage company Freedom Mortgage will not send my escrow refund check of XXXX. I contacted them in XXXX to see when I would be getting the surplus escrow I paid. The lady informed me any surplus would automatically be sent to me in the form of a check. A month later XX/XX/XXXX I called again checking on the status of my refund. The lady apologized for the misunderstanding and assured me the check would be mailed the next day. It's now XXXX and I still haven't recieved my refund ... so I call the company back and they state it was mailed on XX/XX/XXXX. I'm not sure how that's 2x in a row my check was mailed and not received. It's also frustrating the lady I talked to in XXXX said it would be sent the next day. Today XX/XX/XXXX I asked if the company could just XXXX  XXXX me a new check. After being on the phone for 20 min she said that's not possible. I don't know where to turn or why I have to chase my escrow refund
Product: Mortgage

I am having issues with New Rez Mortgage group. My mortgage was bought by New Rez from XXXX XXXX XXXX in XXXX. In XXXX I received a call from the county in which I lived, stating that I had not paid my property taxes. I went to my new mortgage company ( New Rez ) and explained to them that I pay my taxes every month with my house payment and they in turn payed my taxes. On Monday XX/XX/XXXX I went to pay my mortgage and it increased from {$1400.00} to {$1600.00} which is a {$190.00} difference. I contacted New Rez and they are telling that I was issued a check out of my escrow on XX/XX/XXXX in the amount of {$1100.00} which I was. I immediately called them and told them that I received funds and asked why. They told me that I had over paid my escrow account and that no other action needed to be taking ( i was told this phone call was recorded ). Fast forward to XX/XX/XXXX and they are now telling me I owe this money back. Again which is fine I understand, I offered to pay the total amount back on XX/XX/XXXX to get my payment back to the original amount and they are now telling me that I owe {$2000.00} to get my escrow back to the correct amount. I don't know where the extra money is coming from and find it hard to believe anything anyone there says. I do not want to pay my mortgage until this issue is resolved in fear that if I pay it, it will seem as if I agree with what is going on. I have never experienced this with any mortgage company in the past.
Product: Debt collection

XXXX has put a false collection report against my credit. They are saying that I owe them {$690.00} for equipment that was not returned. When I cancelled our service with XXXX I took the equipment we had ( boosters to help with the cell signal in our home ) to a XXXX store for them to send to their warehouse for return. I received a bill from XXXX after this and explained that I had returned the items to the store. XXXX claims they never got them. I contacted the store 3 times and the manager assured me that the items had been returned. The first time they were sent to the wrong warehouse but they were tracked down by the shipping tracking number that the store had. The manager said it would take XXXX takes to get this updated. I tried to explain this repeatedly to the collection agents that called me but they were rude and just wanted money that I do not owe them. I have a voice mail from the manager of the XXXX store stating that these items were returned as requested. I do not owe this money to XXXX and from researching complaints online, there are thousands of other people that are experiencing the same thing with XXXX. They should not be allowed to get away with this type of scam. This is the second time that XXXX has put this on my credit report. I disputed it the first time and it was removed and then they gave the claim to another collection agency and the phone calls and harassment started all over. This is just plain wrong!
Product: Debt collection

In XXXX of 2024 I sent a letter to XXXX XXXX XXXX about an alleged debt they claimed I owed XXXX for {$1500.00}. They couldn't validate the debt or privide what I asked for in the dispute letter so they removed it. I now see the same debt which I am assuming was purchased from another collection agency ( Transworld System Inc. ) I do not see how Transworld System Inc could validate the debt when XXXX  XXXX couldnt provide what I asked for. They also never sent me a litter stating that they were trying to collect a debt which is also a violation of the FCRA.
Product: Debt collection

I entered into an agreement with Messerrli and Kramer P.A. to pay off two accounts owned by XXXX XXXX XXXX. The agreement was to pay {$170.00} starting XX/XX/XXXX and {$170.00} on the XXXX of each following month until the balance of both accounts was paid of {$2100.00} in total. These accounts were a XXXX XXXX  account and a XXXX XXXX XXXX  account respectively. This agreement started XXXX of 2020. I've made my payments in full and on time through since the agreement. Every payment I have sent has required a signature. Messerli and Kramer stopped applying payments to the XXXX accounts due to a clerical error on their part. This caused the account to go back to XXXX XXXX XXXX and XXXX XXXX XXXX reported the balance past due. 

I've asked that Messerli and Kramer write me a letter reaffirming that they represent the XXXX account and also state that the payments were not applied to the account due to an error on their part. I've had this conversation multiple times with Messerli and Kramer over the course of nearly a month and have yet to receive my letter. They also asked that I continue to send in payments as agreed during the period that they didn't represent both accounts.
Product: Debt collection

Portfolio recovery took XXXX percent of my net wages. Which is illegal. They caused financial harm to my family. Asked the court to stop this illegal wage garnishment but this takes time. Meanwhile they are taking XXXX percent of my net income. Making it hard to feed my family. 

Original documents have a different amount than they gave my XXXX  department. They also entered a judgement on the amount after 7 years of owing the money. 

They don't answer their phone. When I finally got through to someone they yelled in my ear pay your bills!!
Product: Debt collection

On XX/XX/2019, I was called by XXXX XXXX XXXX regarding a friend who had used me as a reference. They proceeded to ask me for my friends information, which I find very invasive. I declined and let them know I would inform they called.
Product: Debt collection

I have sent in dispute letters to them regarding this collection or item thats on my credit But I just get a return letter as they reported The wrong address to the credit bureaus and when I send a dispute letter to the credit bureaus with the return letter they still tell me that is accurate
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable item that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15U.S. Code 1681e ( b ) and U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. Also I received your computer-generated letter stating that you not proceed with my investigation on my credit because in their opinion the letters were sent out by a third-party credit repair agency. I believe it to be a blatant violation of the FCRA. I submitted my government issued ID, social security card, as well as mail showing proof of address. I feel this was a stall tactic on their end to hinder me from being about to question the inaccuracy of this item on my credit report. I was the one that written the and mail them out not a third-part. Please have them verity the accuracy of this account and send me a proof of the master promissory note or signed contract regarding this XXXX XXXX - XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX is inaccurately reporting. You say that you have investigated these accounts and you claim all info is accurate therefore you are illegally defaming my financial character. This account has no 30 day 60 day 90 day 120 day 180 day late. 
This account illegally has me charged off every month which is illegal reaging XXXX XXXX XXXXXXXX This account has be charged off every month which is inaccurate and illegal. In XXXX It has me listed as charged off. 

XXXX XXXX XXXX This account has me charged off every month of XXXX which is illegal and you have conspired with the creditor to defame my financial character. How are you reporting this and claiming it is verified. You are a coconspirator to this crime! 

XXXX XXXX XXXXXXXX This account is illegally reporting me as consistently being charged off every month, illegal and inaccurate. 

XXXX XXXX XXXX XXXX  delete There are too many inaccuracies to count. 
They illegally charged this account off multiple times. 
The payment history is innacurate to an unbelievable rate. 

XXXX XXXX XXXX Illegally reporting me as charged off monthly since XXXX, but you reported this as accurate and verified, coconspirator. 

XXXX XXXX inaccurate im disputing the delinquent amount, and who they sold it too. They aren't listed on my report. I'm disputing the validity of this account being sold, and im disputing the inaccurate payment history including the late date of activity. This info differs on my other credit reports
Product: Student loan

I contacted Navient in XX/XX/XXXX about my student loan debt. I learned about a lawsuit against XXXX for fraudulent and misleading practices. The Navient representative told me they would investigate my claim, and suggested putting my loans in forbearance. I called Navient multiple times between XX/XX/XXXX and XX/XX/XXXX checking the status of my claim. The representatives would always tell me the investigation is under review. I would be reminded that the loans are in forbearance and the interest will continue. On XX/XX/XXXX, I spoke to XXXX XXXX a representative of Navient, she told me they were still investigating my claim. I asked how long does this investigation take, it has been 22 months? She said she did not have any other information to provide, and referred me to another department titled " Defense Repayment '' XXXX. I spoke to XXXX, she advised me the claim is under review, and the loans would remain in forbearance until XX/XX/XXXX. I asked her how long does this investigation take, she could not provide any additional information. I asked about the interest on the loans growing, she said the loans were still in forbearance where they continue to accrue interest, until a final decision is made. She did confirm the date I filed the claim was XX/XX/XXXX. I went online to see if there were any similar complaints against Navient, and found a lawsuit ( Illinois Attorney General XXXX XXXX ) against Navient for misleading practices. Navient claims they have been investigating my claim against XXXX for fraudulent and misleading practices, and now they are defrauding me. Navient will not give me any information about the investigation. They only tell me my student loans will remain in forbearance, and continue to gain interest.
Product: Credit card or prepaid card

I have been reporting to my bank for the last 3 months about a charge from XXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX Il. This company has charged me XXXX dollars for items i never received. I have proven to the back this and the have refused to chargeback or return my funds. This company has fraudulently forged my signature and I have provided to the bank my correct signature. At this point after I have been fighting with the bank for over 3 months they are telling me that visa says they are out of time so even though I have provided the documents and proven it was fraud they ca n't help me. Seven though I notified them of this in XX/XX/XXXX and here it is XX/XX/XXXX and they are saying they ca n't help me anymore. Chase is my bank and I have spoken to Number of people even a escalation team. XXXX XXXX is my name
Product: Credit reporting or other personal consumer reports

I was billed wrongfully by XXXX XXXX due to miscalculation in their Account. I tried to reach out to XXXX XXXX numerous times but I could not get a proper answers. My account was sent to a collection agency by the name of Collection services after trying to talk with the collections company the only solution they have they kept on pushing me forward was to pay my bill off. 

SinceI was not getting a proper answer. I did pay my bill and brought collection balance to XXXX, but I kept on trying to get more information from XXXX XXXX, XXXX mutual finally figured it out and sent me a letter stating that the bill that was sent to me and sent to the collections as well was billed as a Miss calculation on XXXX XXXX billing teams part and XXXX XXXX sent me a refund check for the amount of {$520.00}. 
This not fair since this bill wasnt even supposed to be billed to me and now Im stuck with a credit collection on my account, which wasnt even my bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I go on the Experian Website to freeze my credit report, which I understand by law they have to it for free, the site refuses to do it. Experian will only freeze my credit on my account if I pay monthly. 

I'm not paying monthly so they need to freeze my report online for free with no more problems.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 I initiated a XXXX transaction from Bank of America 's mobile app to XXXX XXXX, XXXX confirmation # XXXX for {$580.00}. Within seconds of initiating, while the transaction still said processing, I realized this was a scam. I immediately called Bank of America and couldn't get anyone to assist. I then drove to my local XXXX, GA branch and the branch manager advised to file a police report, which I did and submitted to BoA, and the branch manager called customer service on my behalf. We were jointly told that someone would look into it and get back to me. No one from Bank of America ever responded despite multiple outreach attempts. 

I continue to see articles and postings of other Bank of America customers impacted by XXXX scams, and Bank of America has returned their funds ( example : XXXX news XX/XX/XXXX customer XXXX XXXX, XX/XX/XXXX customer XXXX XXXX ). 

I can not understand what makes these customers situation more important than mine and why their funds were recovered but mine were not.
Product: Mortgage

Bank of Hawaii is holding my money XXXX. They are charging me XXXX basis points on {$270000.00} = {$680.00} to release the funds they have collected for real property tax and hazard insurance premium which I should NOT have been charged to begin with because I put down 50 % of the price of the home. 

My credit score is above XXXX and therefore this should not have been charged with the mortgage. 

Please help me with Bank of Hawaii to release the funds they have collected so far.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, Kohls Capital One ( XXXX ) has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.

15USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I submitted letters to several agencies ( specifically XXXX XXXX XXXX XXXX, XXXX XXXX  and XXXX ) to enact my right to protect my financial information and no longer share my information, balances or payments on my report. I further requested that XXXX, XXXX and Experian, being consumer reporting agencies, remove my financial information as well as per my right backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX XXXX XXXX and the Consumer reporting agencies XXXX, XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Experian, XXXX and XXXX XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked as per the letter sent in XXXXXXXX XXXX XXXX. Furthermore, 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX XXXX never informed me of my right to exercise my nondisclosure option. Not only that 15USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consume 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I have opted out of ALL reporting agencies services
Product: Credit reporting, credit repair services, or other personal consumer reports

Southern Management Systems submitted a collection of {$1700.00} on behalf of the XXXX XXXX XXXX XXXX XXXX. in XXXX, Florida I am not disputing the debt. I am disputing the manner in which Southern Management Systems associates disrespected me when I tried to acquire any information about the account. Any questions I asked about the account was constantly met with a hung up phone call. An associate would tell me if I was on speaker phone or a Bluetooth phone they would not speak to me-call when I could speak alone without anyone around. They asked for my name, address, phone number an last four numbers of my social security number. I gave them this information on XXXX, 2022. It made me suspicious of the validity and proof of the debt because they did not have any information. Southern Management Systems will not communicate with me. I am requesting that Southern Management Systems delete and remove this erroneous collection on my credit report. A reply would greatly be appreciated. 
Southern Management SystemsXXXX # XXXX XXXX XXXX XXXX XXXX Fl/XXXX
Product: Credit reporting or other personal consumer reports

I have filed an ftc report on the negative inaccurate inconsistent fraudulent accounts listed in the dispute letters to experian, transunion, and XXXX and requested them to validate the fraudulent accounts being reported and they keep verifying without doing an investigation.my ex wife XXXX XXXX XXXX used my identity without my permission when i was going threw XXXX in XXXX XXXXi filed an ftcvreport and wrote an identity theft Affidavit against her.Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.these accounts are violating the fcra and keeping me from buying a home and a new car.i am demanding that they remove these accounts within 4business days of receiving this complaint. # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.i am attaching the ftc report and the dispute letters I mailed to the bureaus.they are violating 15 usc1692 ( g ) and 15usc1681i. I haven't given them written permission to report these negative inaccurate inconsistent accounts.i have disputed over10 times and have filed numerous complaints with cfpb and XXXX  XXXX and transunion keep reporting inaccurate information on my consumer credit report and is keeping me from buying a home for my children.please help me remove these fraudulent accounts within 4business days. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  social security number XXXX address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wyoming XXXX attached is my driver 's license and social security number and proof of address
Product: Student loan

My school got XXXX down n I am fighting to prove that I am being used for money purposes and for con artists to use me to gain in life and am not able stop having a debt n having collectors after me n my kids too. And also the whole schism was to only get my money n loans then the federal government said that they shut the school down so it looks like the FBI is one responsible for stealing my loans n its close to XXXX XXXX in how much I got ta pay back n I need this to end Im being abused n treated like Im nuts so could you plz help me n contact me at XXXX to discuss further options now thank you XXXX XXXX XXXX or XXXX XXXX XXXX XXXX, Wa XXXX
Product: Credit reporting or other personal consumer reports

back in XX/XX/2023 I disputed an account that popped up on my credit file after I went to tmobile to activate a phone number. I called XXXX to ask why were they now adding it on my credit file when it has been 3 years since I left the company and I have yet to receive any documents from them. The collection agency name is XXXX. XXXX XXXX. 

Back in XX/XX/2023 I disputed a few accounts that are on my credit file that were verified incorrectly. I sent in a few dispute letters and nothing were done about the situation. Ive asked for the original documents but never received anything in back. the account in question is ABSOLUTE RESOLUTIONS Back in XX/XX/2023 I disputed a few accounts that are on my credit file that were verified incorrectly. I sent in a few dispute letters and nothing were done about the situation. Ive asked for the original documents but never received anything in back. the account in question is XXXX XXXX XXXX XXXX  Back in XX/XX/2023 I disputed a few accounts that are on my credit file that were verified incorrectly. I sent in a few dispute letters and nothing were done about the situation. Ive asked for the original documents but never received anything in back. the account in question is XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my 17th 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX 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

Please remove these accounts which were closed and fully paid but still being reported as late payments on my credit report.. I contacted the credit bureaus hoping they would be able to help me fix this but they did not..CFPB please step up XXXX XXXX CR XXXX, XXXX XXXX