23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

During the time I lived in the property my family began to wake up with bites on them first the children then I and my husband. I went to the office to notify them and there were other tenants there making the same complaints bed bugs I immediately asked that they exterminate. They informed me I would be billed for the extermination because the exterminator knew this was an ongoing issue he exterminated for free I informed the office manager I would like to move immediately I went into a month to month lease to ensure I properly moved out within 30 days. They were aware I was moving in 30 days this is why I did not sign a new yearly lease but went to a month to month lease in order to properly vacate the premises after 30days. I contacted them about my deposit I got into a dispute with the manager and she informed me she will be sending a bill and also acted as if she had no idea I was moving although she knew about the move out as well as the bed bud infestation the complex was battling she then killed us for things that I know weren't true we did not wear shoes in my home there is no way the carpet needing cleaning we threw all of our belongings away so to the infestation of bed bugs. I could not take a chance on having my 10 mos old baby be bitten by bed bugs. I was also living in the apartment for over a month with no keys I informed them in XXXX that my keys were lost and was never cut new keys and was expected to return them at the time I moved I was going to work with my door unlocked. The month to month addendum was our written notice to vacate we asked what was needed in order to do so and singned the new lease in order to vacate within 30days after contacting the office the debt that was owed increased please see attachments.
Product: Checking or savings account

Chase Bank is refusing a refund of {$590.00} for putting my mortgage in Autopay.

When I took a mortgage out, I was casually told I'd get a refund of {$590.00} for putting it in Autopay. I had to reach out multiple times to get an answer on what to do to get this money back, and was told I needed to do a few things, one of which was signing up for paperless statements, and that I should do that when I got the statement in the mail.

They sent the paperwork in the mail to my old address so I never had the chance to be notified via mail that I was now able to sign up for paperless statements. Called in several times  because I never got the refund, and was told it was processing on XX/XX/XXXX. 

After complaining yet again, I talked to a rep that now says I didn't subscribe to paperless statements in time, which I doubt because no one told me that ever before. 

Not only the way they communicated the requirements of promotion wasn't formal, clear and conspicuous, they're now changing the story to not give me back the money they promised. 

I've been a loyal customer of Chase since XX/XX/XXXX. I have never, ever missed one payment. I not only have a checking and savings account, but also several credit cards, one of which costs me {$450.00} a year.
Product: Checking or savings account

On about XX/XX/year>, my checking and savings accounts with Navy Federal Credit Union were closed without prior notification or a clear explanation. I attempted to resolve the matter by contacting Navy Federals customer service but I did not receive a clear explanation regarding the closure of my accounts.

To resolve this, I am requesting that Navy Federal Credit Union reopen my checking and savings accounts and provide an explanation for their closure. I would also appreciate guidance on any necessary actions I can take to ensure my accounts remain in good standing in the future.
Product: Mortgage

My mortgage statement for XX/XX/XXXX showed a balance of XXXX in my escrow account going forward into XX/XX/XXXX. I have always been at the required amount or ahead. My escrow payment is usually XXXX monthly. This month I received a statement on my bill informing me that they were increasing my monthly payment from XXXX to XXXX a month and then to expect another increase for next month to XXXX. It also implied that my new payment would now be XXXX for the remainder of the loan. That would be {$1100.00} per year more just for escrow fees ). The statement said that I would receive a letter explaining why the escrow shortfall occurred. I do not think the taxes and insurance changed that much. I have not yet received any letter explaining how the deficit occurred. The information on the letter also informed me to access assistance on the OCWEN web page but the link they provided is not working. www. ocwencustomers.com
Product: Debt collection

I started disputing this company in XXXX of XXXX into XXXX and this alleged debt has been affecting my credit. The debt collector hasn't provided proof that the alleged debt belongs to me. This is the XXXX time this debt was sold after proving that this alleged debt isnt mine due to the companys insufficient proof and a copy of a printout bill isnt proof this is affecting my ability to get a new home. I don't know why I'm being treated like this.
Product: Mortgage

My difficulty involves a Release of Lien that was never filed by my previous mortgage company, XXXX XXXX - Wells Fargo.

Now I am in urgent need of refinancing my home to get money out of it, and the Title Search shows this lien. This paperwork was never completed by the previous mortgage holder XXXX XXXX aka Wells Fargo. The lien was paid off when I refinanced my home in XX/XX/2004. They show the pay off date as XX/XX/2004. When they were paid off, somehow the Release of Lien never was filed with the XXXX  County Courthouse in Texas. I contacted Wells Fargo and I was informed that they would research it, a process that usually takes 30 days but they will try to get it done faster. The nice lady told me that faster will be by the end of XX/XX/XXXX and then another 7-10 days to get it to me. This is much to long a process. I need this done immediately and it should have been done nearly 14 years ago. On top of the long wait, I don't know if I am going to receive a copy of the 'filed ' Release of Lien or the original Release of Lien that I must then go file myself, a service which they probably charged me for many years ago.

When I made a payment late, they charged a late fee. I should get to charge them a late fee with interest for this 13 year 11 month fiasco.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd attempt to have Equifax remove XXXX account from my credit report, as I have been removed as the authorized user. They requested that I submit proof of my identity, so I have enclosed my driver 's license as proof, along with the same letter indicating that I have been removed from the XXXX account. Please remove this account from my credit report. Thank you!
Product: Debt collection

XXXX is charging me a " package that I never seen on tv '' claiming that I purchased the program and cancel withing 30 seconds activation, then a technician came to upgrade and took my own equipment and I call customer service and XXXX XXXX has no idea who was the technician who came to my house, because they said XXXX XXXX hired subcontractors.
Product: Debt collection

First of all IM NOT DEAD OR DECEASED!. I have no income, I live on the XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have no ID, I havent lived at XXXX in years so stop harassing the new tenents living there. Yes i got a XXXX XXXX XXXX phone from XXXX. They said I never had to pay a bill because I was on the ACP program. So I dont know what to tell you DCM services, I dont have a phone and im constantly moving from place to place XXXX XXXX XXXX XXXX
Product: Debt collection

This is not my debt.. I says it is from XXXX yet I did not have a XXXX account under my name and social security number. They tried this almost 7 years ago and it seems some bogus collection agency has picked it up and is trying to collect again. 

I have not had ANY credit in the last 7 years and now that I have FINALLY cleared my credit report they are attempting to scan me. 

XXXX or the collection agency has not provided me anything to show I had this account under my name and social security number.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code1666 ( b ) billing errors. The creditors failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. A computation error or similar error of an accounting nature of the creditor on a statement. As I know the creditor didnt notify me XXXX days before with a statement so there should be no late payments on this account. I demand to see hard solid proof from the creditor bank account that I didn't pay and was marked late because this is clearly billing errors. Listed below is the account in question : XXXX XXXX XXXXXXXX : {$28000.00}
Product: Credit reporting or other personal consumer reports

Someone used my name to committ fraud with Affirm. They sent me an email confirming that they will remove the fraud, I also sent a copy of that email to XXXX for removal with the FTC affadavit and police report to have the information immediately deleted and or blocked however neither Affirm nor XXXX have responded and everyday this is on my credit its causing me financial distress.
Product: Mortgage

I sent payment to the company and they sent it back I am on fixed income and they know it because I paying double and and because of that I am behind on my lot rent I pay {$600.00} every month Which is being sent to my lawyer and they refuse to cut me some slack all they do is yell and say bad things to me on my phone They are constantly threatening me and harassing me if I dont pay them
Product: Credit reporting or other personal consumer reports

The collection company not responding my request about this fraudulent account opened XXXX XXXX open in XXXX accordance wen the Fair Creat Reporting act Account a XXXX, nas violated my nights. 
15 US C 1681 section 602 A. States I have the right to privacy.

15 US C 1681 Section 604 A Section 2 : It also states a consumer reporting agency I have police report identidid open fraudulent account
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX do not recognize the company inquiry transactions listed below on my consumer report. I did not provide any kind of permission to any entity to share my personal information with Transunion credit bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

A company called perfection collection appeared on my credit report recently. You can never get a hold of anyone one. their voicemail is always full. When I researched the company online, it states their a fraud, and that they try to collect on accounts they do n't have the right to, and that they never credit funds to account, etc. when I researched, this was for an old account with a security company over 4 years ago, which was taken care of, they picked up their equipment. Now recently some new company perfection collection is trying to collect
Product: Student loan

I am the co-signer of some private student loans that my daughter had defaulted on back in XXXX. In XXXX I was notified by a collection agency that they would start proceedings to take my house if I did not start paying on the loans. My daughter was in the process of legal proceedings at the time which were going to result in state prison time so I set up a repayment plan with the collection company immediately. Since XXXX of XXXX either myself and then later my daughter have consistently made monthly payments to this collection agency for the amount agreed upon. At the time the collection agency took over the loan we owed them approximately {$24000.00}. Over the last 11 1/2 years we have paid them approximately {$35000.00}. The collection agency states we still owe them approximately {$13000.00}. We have never received documentation from the collection agency what the monthly interest rate and collection fees would be. This past XXXX they sent correspondence for two of the six accounts on what amount has gone onto principle towards the balance for those two accounts. We have received nothing about the other four accounts. For the two accounts they did send documentation for the following amounts were given -- opening balance on account XXXX, current balance on account XXXX and amount paid since XXXX on account XXXX. The other account had an opening balance of XXXX, current balance due of XXXX and amount paid since XXXX XXXX. If the other four accounts have similar scenarios how are we to ever get these accounts paid? At what point does it become extortion for these collection agencies to continue to pile on such exorbitant fees and interest year after year. When we make contact with the collection company they tell use we can send them a " pay off amount '' that is a huge lump sum, but without that there is nothing else they can do for us. By not providing us with the proper documentation of what their interest rate and collection fees would be are they in violation of our rights? Why have they not provided us with regular documentation of the accounts and why did they send us only information on two of the six accounts? Why is there not some type of amortization table provided by them since the beginning when we set up payments so we would know when the debt would be completely paid?
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/2022 my credit report disappeared from equifax file system. When i try to update a 3 bureau report with XXXX  it will mot update because it stated I had no credit report on file with equifax. I checked the equifax website and my credit file does mot appear when i log in but gave me a code and to contact the agency. I did and gave them the code but nothing has been done. I am still receiving the notice that my credit report does not exist.
Product: Debt collection

The original creditor for this debt is XXXX XXXX  XXXX. I spoke with them in XX/XX/XXXX and they instructed me to turn instrument in to local music store and said they would remove debt. Debt was originally reporting over {$2000.00}. 

After turning instrument in on XXXX XX/XX/XXXX, I thought everything was cleared as they said it would be. In XXXX, I found out that XXXX ( XXXX ) claimed I owe {$390.00} and added that to my credit report! I contacted them and explained I turned instrument in. They told me everything was fine and it would be removed from report. I called back because it was not removed but was told they could not talk to me about this issue anymore because National Enterprise Systems ( NES ) was handling this account. 

I spoke with NES and sent them proof of receipt for returned instrument. They in turn sent a bill to me for over {$2100.00} when XXXX is reporting {$390.00}. I called and asked them to provide in writing the details that could sum my owing what they claim. I scanned to them proof that XXXX is reporting {$390.00} on XXXX XX/XX/XXXX. 

My initial conversation started with NES on XXXX XX/XX/XXXX. They always transfer me to about 3 to 4 different people per call before getting some type of information about this debt. They end up telling me that XXXX have been contacted with my concern and they were waiting to hear their response. I have scanned them what XXXX is reporting and they said they will contact XXXX again with this information. 

I am exhausted dealing with this debt that has been taken care of. If XXXX is reporting this account then why is NES involved which is a collections company as well. I would like this removed from my credit report. 

Thank you in advanced!
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft when I was XXXX  in a XXXX XXXX. I have struggled with XXXX XXXX and when I am XXXX  my information is compromised. My information has been compromised in these bureuas security breeches and the they fail to fully validate information and refuse to remove these items from my report, Instead the keep updated the system as open accounts when they have been paid and the file closed
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several disputes into the matter of my student loans and bankruptcy reporting on my credit report.
Product: Checking or savings account

Yesterday, XX/XX/XXXX, i teceived XXXX XXXX for XXXX, which CITI said they had no problem with. Later that morning i triedcto transfer amount ( that showed available ), and transaxtion was blocked, with no explanation. In the afternoon, I tried logging in, only to find my access to account was revoked. I placed call to fraud dept and received no specifics. I then went to local branch office, where I verified who I was. The local branch manager called CITI XXXX XXXX. They stated to him that they would be closing the account, and would not provide any specifics to the Manager or me. They stated it would be 7-10 days before I would receive a letter explaining their actions. In the meantime, I have no access to my money. In addition, I was told that the XXXX that was wired to me, would not be released to me for 30-60 days!
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, Equifax and XXXX are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; If Equifax and XXXX feel there is a possibility these inquiries belong to me I will require all documentation that bears my signature ( another research item I found that requires them to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Debt collection

National Credit Adjuster keeps calling my place of employment after being requested not to. They keep harassing me on my job. They called from XXXX over 10 times and always leave a return call back number of XXXX. This is the same company that lost a lawsuit in the past but yet they continue with their unethical practices and do not honor the cease to desist orders to stop calling the place of employment, personal references, church members, and family members. They refuse to honor consumers ' rights. They call the place of employment everyday at XXXX.
Product: Credit reporting or other personal consumer reports

Misuse of my credit report, information, Thirdparty sharing. Family Educational Rights and Privacy Act ( FERPA ) The Family Educational Rights and Privacy Act ( FERPA ) is a federal law enacted in 1974 that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school. 20 USC 1232g ( b ) According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 'XXXX and XXXX and are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is 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.is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates.the financial institution and the Consumer reporting agencies do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent wether it be verbal, non-verbal, written, implied or otherwise is revoked. 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.they Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' 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 nelnet is not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Debt collection

I am filing a dispute for all inaccuracies on my credit report with Equifax.
Product: Credit reporting or other personal consumer reports

I disputed a couple of accounts in my experian report last year and still nothing happened didnt received any paper work and disputed accounts still shows on my report
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint to Experian, XXXX and XXXX  regarding several errors that I found while looking over my credit report. Under the FTC I can dispute all inaccurate information on my credit reports. Please remove XXXX # XXXX and XXXX XXXX # XXXX from my credit reports as the information provided by the creditors is inaccurate and misleading. After completing a prior investigation, XXXX  agreed to remove XXXX # XXXX and XXXX XXXX # XXXX from my credit report. However, XXXX has failed to follow through on its promise as the accounts still remain. XXXX  failed to adequately investigate my dispute after verifying these accounts which I know are inaccurate. Please remove XXXX # XXXX from my credit reports as the date of delinquent is misleading and incorrect. Additionally, this account should not have a reported balance. Please remove XXXX XXXX # XXXX from my credit reports. I have reached out to this company repeatedly and have received no response. The balance, date opened and the payment history is incorrect. The company is reporting payment history in XX/XX/2018 but this account should not have a balance. Please remove as soon as possible to avoid further damage to my credit and my reputation with creditors. I know that mistakes happen but it should not happen at my credits expense. Thanks for your time. XXXX XXXX