23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX I noticed Midwest recovery systems on my credit report. I have been disputing the above reference debt for a while. I as the creditor for a copy of the final account statement issued by the original creditor, a breakdown of the total amount due, showing principal, interest, and other charges, and for all other charges the date and basis for each charge. 
I disputed this charge because I did not recognize this debt and I do not owe any money to this creditor. I monitor my report and I have become a responsible consumer and this is an unfamiliar debt to me. If it were indeed valid it would have been paid or in small amounts until settle. 
XX/XX/XXXX I have not yet received a letter or original account statement issued by the credit nor a breakdown of the total amount due. I have provided my personal information as they requested ( address, social, date of birth ). The only response I received was an updated and duplicate charge of the same amount of {$960.00} on my credit report. To my knowledge this was a flag that this creditor has reported inaccurate information to my credit report and fail to report information correctly, violates the FDPCA and their Fair Credit Reporting Act. 
XX/XX/XXXX I call again to check for updates. I never recieved the statement. The creditor offered me they can settle for {$500.00}. I explained to the creditor briefly what happen. My response below ; I seen this debt o my credit report at first I did not recognized it I disputed it. Then I decided to look at old text messages and realize I did go to the hospital and apologize. But the amount owed of {$960.00} is not accurate. I went to the hospital because I thought an XXXX was XXXX in my XXXX. My temperature was check XXXX XXXX and the doctor enter room to check in my XXXX to see it the soft was in there. Nothing XXXX XXXX XXXX I was touching my XXXX ( I felt XXXX ) I was discharge and sent home. Months late I see {$960.00} for a doctor just XXXX XXXX XXXX XXXX to check!. I ask the creditor can they help reveal the correct owed so I can resolve it. They denied. I ask for the original creditor information they denied. 

The amount this creditor is asking {$960.00} is not correct. And they double reported after speaking with them and they said the computer made a mistake. The duplicate debt of XXXX was recently removed but the amount owed is not correct. Damage my score, stress me and at one point I was on a 3hr hold.
Product: Debt collection

On XX/XX/2018 at XXXX I contacted State Collection Services in regards to a medical bill on my credit that was so to them. I was told in order to settle this debt they would have to get approval from the original debtor and it could only be discounted 30 %. I put in an offer. I then called XXXX XXXX Hospital in XXXX Illinois billing which is the original debtor on XX/XX/18 at XXXX to confirm this was in fact a true practice and I was told they had nothing to do with how the debt is handled. I also proceeded to ask to speak with the manager and was told " she '' was out of the office until next week. So I called State Collections back on XX/XX/2018 XXXX XXXX  to check on the status of the settlement. I was told that it was denied and that a counter offer of a different amount was offered. I questioned when this was approved and they informed me they got an answer back on a Saturday XX/XX/2018. I didn't feel like I was being told the truth. So I attempted to verify this with the manager on XX/XX/2018, XX/XX/2018, XX/XX/2018, XX/XX/2018 and each time I was told that the manager has not received anything from State Collection Services. So after numerous attempts to actually speak with the manager my last call was placed today XX/XX/2018 at XXXX where I was put on hold for quite a while. The first time the receptionist got back on the phone I was told that they still have not received anything from this company. I then was placed on hold again and at this point I was told well we received an offer and what they said is what we approved. So I believe they lied to me and because they hired this company so to save face they went ahead and confirmed what to me is a lie. On top of that the amount I was told that was offered today was different form the amount offered when I spoke with them on the XXXX of XXXX.
Product: Mortgage

Good evening, I appreciate any assistance that the CFPB can please provide me with my mortgage lender. My issue is not with being able to make payments, rather, it is with Rocket Mortgage ( aka quicken loans ), unwillingness to communicate or produce documentation that clearly states changes to my account. In addition, they have refused to allow me to make applicable changes to my mortgage as I deem necessary. 

I closed on my condo in XX/XX/XXXX and throughout the entire process, rocket mortgage actively misrepresented my mortgage terms and deceived me about the activity on my account. As a result of their predatory business practices, deception, and misrepresentation, they had failed to pay my XXXX policy as previously agreed and stated that it was a " filing error { sic }. '' I have since removed this responsibility from them as it was optional. The application process presented an option to allow Rocket to submit this payment on my behalf. As a result, the original terms of my mortgage were falsified to account for bad data ( included XXXX payments that Rocket deliberately and intentionally failed to pay. 

When I inquired to rocket in XX/XX/XXXX, they finally admitted the " filing error '' and could not provide any reassurance that such errors would be presented in the future. Instead, I have received more deception. 

Within the past 90 days ( it is now XX/XX/XXXX ), I have still received no such credible acknowledgement or response to my inquiries. 

I had spoken with XXXX XXXX, XXXX XXXX, and two other " XXXX '' who refused to provide their last names. Neither employee would provide any other identifiable employee number to be used for external verification. 

These individuals have straight out deceived me to my face claiming to be managers, however, their titles are " Executive Servicing Resolution Specialist, '' which, after research, I have verified are 'customer support roles. ' When I was on the phone with deceptive manager XXXX XXXX XXXX ), they spoke down to me in a demeaning, harassive, and aggressively bullying manner. 

This issue has escalated to the point where I can no longer have a civil conversation with my mortgage lender and I can no longer even attempt to communicate with them. 

I required immediate assistance to speak with a professional member of management. 

At this point, I feel very physically threatened by the aforementioned individuals. I feel that my very life and livelihood is in imminent danger. I have been victimized by my mortgage lender for 9 months and this is completely unacceptable to me. This is harassment. 

Please reach out to me if you need any more information. 

I really appreciate any help that you can provide. 

Best Regards, XXXX XXXX
Product: Money transfer, virtual currency, or money service

My account was stolen my stocks saving etc was taken I was also under business and I don't have a business resulting ind owing the IRS
Product: Debt collection

To Whom it May Concern, SouthWest Credit Systems was reported for reporting incorrect information on my credit report. The removed the negative collection item from my report after my first report to the CFPB. They illegally placed my account in collections again, and I was notified today by my credit monitoring system. I was not notified by mail, and in fact the collection is a totally different amount then the first collection attempt. I've asked on several occasion to prove a initial contract between Southwest Credit Systems and myself as the original contract and debt. They were unable to prove that I owed them any money. This the second time that they place this fraudulent information back onto my credit report. I will be bringing a lawsuit against them as they have violated ( Fair Debt Collection Practices Act, 15 USC 1692 and as amended by adding the following new Title 8 USC 802 et seq., and the Fair Credit Billing Act, 15 USC. 1666 et seq. All of which work in conjunction with each other, including the Truth In Lending Act ( TILA ) 15 USC 1601 et seq. ) per my attorney. They've also been calling and making threats. The original agreement from Southwest Credit stated that I owed them XXXX dollars and my credit report now states that I owe XXXX dollars. Which both amounts aren't factual as I've never entered an agreement with Southwest Credit Systems.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXXXXXX XXXX  XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

After assuming my VA loan on XX/XX/year> I was able to register my account and had online access to that account for a very short period of time. When attempting to make my next payment I could no longer access my account. I called Freedom Mortgage customer service in XXXX of XXXX  and they informed me that they had stopped access due to privacy concerns regarding the previous mortgage owners information apparently still in that account. They also informed me that they were working to resolve the problem. I have since called numerous times and given a case number of XXXX with no outlook for resolution. 
The Freedom Mortgage phone payment method is absolutely the most tedious and frustrating interface I have ever had to deal with. It is almost as if they are hoping folks using the system will XXXX it up and miss a payment. I once again called today and was told that there was no outlook for resolution. I googled searched this issue and to no surprise it seems that anyone with an assumed mortgage involving Freedom Mortgage is having the very same issue. While there isn't a single, explicit law stating mortgage companies must provide web or application access to a mortgage account, the Consumer Financial Protection Bureau ( CFPB ) regulations under the Truth in Lending Act ( TILA ) essentially mandate this by requiring lenders to provide borrowers with accessible and accurate information regarding their loan details, which typically includes online access to account information through a secure portal. The Freedom Mortgage phone system does provide accessibility to my mortgage information but again it is the absolute worst phone interface I have ever used and it obviously does not allow for electronically copying and storing the information as one needs to be able to do these days. This can not be a huge software development effort to fix and really do not understand Freedom Mortgages reluctance to fix this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a forbearance due to COVID-19. XXXX XXXX   reported to all three credit bureaus the three months forbearance as late payments instead of affected by natural disaster. Ive tried disputing four times and Ive called corporate office and customer service more than ten times and the issues has still NOT been resolved. Please help!
Product: Credit card

I have XXXX Chase credit cards. Most I have held and used for over 12 years. I have always made my payments and have never been late on any card. Just recently, I paid XXXX of my accounts to zero. I occasionally use my cards for tuition or vacation ( large purchases ) and pay them down. Unknown to me, they did an account review and dropped my credit card limits from $ XXXX to {$1000.00} and {$2000.00}. My goal when I paid the cards off this time was to improve my credit score. I understand that when you have a card, the credit agencies calculate your balance to the credit limit. By reducing my credit limit, Chase could cause my credit score to go down! If I were a problem client, missed payments, misused my credit - I could see this action. Their reasoning is that they think I have too much other outstanding credit. On my other cards, I utilized balance transfers because they have a much lower interest rate than most cards. On ALL of my credit - mortgages, car loans, credit lines, etc. - I have not had a late payment EVER! I have shown that I have consistently ( 20 plus years ) been able to manage my credit. I feel that Chase is harming me as a consumer by lowering my credit limits by potentially affecting my credit score. They have no financial reason to make this decision. I always make my payments and my cash flow is more than sufficient to carry the debt load that I have. I feel that I am being penalized by Chase. If my credit score goes down by this action, they could cause my other credit cards to increase their interest rates and cost me substantially more money. My income is $ XXXX and my debt ratio is 36 %. The income does not even include my husband 's income, which is close to $ XXXX.
Product: Credit reporting or other personal consumer reports

Hello, I have tried several times to deal with the customer service reps to no end. 

My credit report is being affected by wrongly reported lates. Account XXXX is being reported late in XXXX, XXXX and XXXX. XXXX ( which is paid off ) is being reported late for XXXX, XXXX and XXXX of XXXX ( in which a XXXX payment was made on the XXXX ). but I am not being credited with a {$200.00} and a payment that was retried and successful from my account on XX/XX/XXXX. It is only showing reversed in your records on XX/XX/XXXX so technically the payment was made on time. 

Also, in XXXX being reported late but I made a XXXX payment on account XXXX and XXXX on XX/XX/XXXX. Also on XX/XX/XXXX and XX/XX/XXXX payments of XXXX were made and successful. on account XXXX on XX/XX/XXXX a payment was made and successful for XXXX and XXXX on the XXXX. So the late in XXXX and the late in XXXX are incorrect as I am also not having the XXXX payment on XX/XX/XXXX reflected as paid. I need to have these lates removed from my reports as they are incorrect and payments that were retried were not recredited to my accounts. I do believe there were more retries that we done and never credited to my accounts as well or put on the wrong accounts. I have been a long-standing client and would like to continue to be but these errors are affecting my credit rating and I was not late as payments are not being credited correctly. I see many complaints on here of the same issues from other people. SO this is a trend with this company. I am attaching all my bank payments to XXXX  here. Not all have been credited to my accounts and were marked reversed when they were not. I never had any lates before on my two XXXX card accounts.
Product: Credit card or prepaid card

For many years I have Citi Credit card and always paid the balance in full and in time. In XXXX of this year the payment due date was as always on the first day of the new month, i.e., XX/XX/2021. That date was on Sunday and since I paid my bills through bank transfers I could not pay the due amount on that date and it was paid the following day, i.e., on Monday XX/XX/2021. Yet I was charged late fee and interest charge in ridiculous amounts. I
Product: Debt collection

A former rental account has been incorrectly referred to collections under my name as a result of inaccurate account records uploaded by XXXX XXXX XXXX to XXXX XXXX XXXX during the XXXXXXXX XXXX transition period for XXXX XXXX XXXX XXXX in XXXX, TX. 

XXXX XXXX has my signed release of ownership agreement on file ( signed XX/XX/XXXX ) that transferred ownership to their approved new tenant - effective XX/XX/XXXX. XXXX XXXX XXXX  even submitted Landlord Reference document to my next place of residence - completing my applicant screening process on XX/XX/XXXX. 

XXXX XXXX told me they could not update ProCollect Inc. with accurate ownership details to remove the account from my name unless XXXX provided the missing lease agreement with new tenants information. All charges included in the collections account are charges dated 4 months after my release date. 

XXXX XXXX suggested I reach out to XXXX to share my concern. This account does not belong to me, and there is signed proof stating it does not belong to me. 

Here are the key points of my situation : XX/XX/XXXX : I submitted written notice to move out to XXXX XXXX ( XXXX XXXX XXXX XXXX ). XXXX XXXX XXXX  approved my full release from the agreement on the date of my move out contingent upon signing release to transfer ownership to a qualified replacement tenant. 

XX/XX/XXXX : New tenant submitted application on XX/XX/XXXX, was approved by XXXX on XX/XX/XXXX, and signed new tenant lease on XX/XX/XXXX taking over the lease XX/XX/XXXX. Concurrently, I signed a document on XX/XX/XXXX indicating my release from the contract effective XX/XX/XXXX. 

XX/XX/XXXX : XXXX management submitted landlord reference paperwork to the XXXX XXXXXXXX of my next place of residence - completing my applicant screening process that led to approval for move in. 
XX/XX/XXXX - XX/XX/XXXX : Post move-out, I received no communication from XXXX XXXX XXXX ( XXXX or XXXX ). 
XX/XX/XXXX : Approximately a year later, I receive an email alert from a credit monitoring company about a new account in collections from XXXX XXXX XXXX added to my credit report by ProCollect Inc. Upon contacting XXXX XXXX XXXX current management, I learned they had limited information and incorrectly marked the account as an eviction under my name. XXXX XXXX suggested I reach out to XXXX XXXX for rectification. XXXX response stated they no longer manage the account and advised contacting XXXX to settle the remaining balance. 

**Legal Concerns : Legally, all tenants must have a corresponding application and lease on file. The exchange of ownership contract signed by both parties on XX/XX/XXXX is included in the zip file uploaded to XXXX from XXXX, but the new tenants application and lease are missing, leading to this error. 

The error in transferring the lease and the subsequent actions taken have led to an unjust impact on my credit. I have never been evicted, and I have never missed payments for rent on any of my rental agreements. My attempts to dispute have been rejected multiple times without explanation other than verification of account. 

Your time and feedback is appreciated. 


Thank you
Product: Credit reporting or other personal consumer reports

am responding to ally credit cards response dated XX/XX/23. Back in XXXX i did make a couple of purchases from XXXX and use my ally credit card to make the purchase. After that my account was hacked and closed by XXXX which i sent that over showing to you. XXXX had given me credits for the merchandise that i purchased. When i got my statement there were other charges that i did not recoganize and i reached out to XXXX they infestaged closed my account out cause it was hacked. I have called ally severall times to report this and each time time the ignorant people i spoke to keep giving me dispuites insted of fraud. Listen and listen to me good for the last time i did not make the XXXX charges that are currently on this bill those charges are fraud. There were two sets of charges the other were refunded cause i sent the merchandise back. After that my XXXX account was hacked and these other charges are fraud not mine. Im sick of arguing with the ignorant people at ally credit card. What is wrong with you. I am reoprting this to the attorney general general of the state of ohio and the XXXX. I have also spoken with an attorney and will sue you if need be or if you try and report this to my credit buro. Again im telling you these charges are fraud. Remove them from my account i sent documtation from XXXX showing that my account was hacked. This is ridicilous. I had sent the screen shots to show that the charges i made were sent back to XXXX. As proff. The rest of the bill is fraud fix it Im going to sue alley credit for damadging my credit report. Do mot close this out and dismiss me. I gave told alley credit again and again and again i did not make the current charges on the account.i have shown that XXXX closed out my account cause of fraud. I anitally made purchse from XXXX using this card i did return some things and recived credit for that and initally had called in to dispuited those charges than XXXX gavevme credit. Then i saw these other charges and i spoke with XXXX and told them i had not made them and they investaged and closed my account and stated that it had been hacked and that thid card was on file and somone went in and made to my account and made purchases using this card. This is not fair nor right that i am punished for charges i didnt make. Im getting harassing phone calls almost everyday asking for payment. This needs to stop no one at ally knows what they are doing everytime i call the give me the regular dispuite department instead of fraud. I have contaced the attorney General of the state of ohio the XXXX  and consumer reports this is ridicilious i demand that these charges bee taken off my account and that a complaint be filed against this company.
Product: Payday loan, title loan, or personal loan

Since our bank was acquired by PNC, getting information regarding our line of credit and our mortgage and making payments that are properly registered has been impossible. Hours have been spent on the telephone with customer service and other bank representatives, and these are generally circular encounters, achieving nothing at the conclusion. Messages to banking officers are often left unanswered. Late charges are accumulating despite on-time payments, credit scores will be affected, and we have been unable to find any effective measure to get proper assistance despite a face to face visit to a bank officer. Attempting to work with PNC is a literal nightmare. There is not one competent person with the right connection or information to meet our banking needs on existing accounts.
Product: Mortgage

My mortgage was sold from XXXX XXXX to Mr. Cooper about two years ago. In the first year my mortgage was serviced by Mr. Cooper they failed to make the homeowner 's insurance in time and my policy lapsed. Luckily my Insurance broker was able to resolve the issue in a timely manner, but given that I am forced to escrow my insurance premiums to prevent against this very issue seems unacceptable.

This year, Mr. Cooper " lost my insurance information '' and didn't know where to send the payment. They didn't reach out to my insurance broker to ask for the information until well after the policy had lapsed and now I am going to have to come out of pocket {$600.00} and sign a " no loss '' statement because of their complete lack of competence. What if, XXXX XXXX, there was a major storm or fire at my house during this time ; I
wouldn't have had any insurance coverage because they failed to make the payment. Again, I am forced to escrow funds for my insurance payments every month for this very purpose, the mortgage company doesn't trust their borrowers to make their payments on time and in full. However, in every instance since Mr. Cooper has serviced my mortgage they have failed to do this very simple thing.