23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Jpmorgan Chase transferred my mortgage to another servicing company. 

1. I did not receive any notification the loan was being transferred. 
2. Chase told me via telephone, XX/XX/XXXX they emailed me and sent a letter on XX/XX/XXXX. I never received said letter or email. 
3. The new Mortgage service provider Told me via telephone they sent a letter On XX/XX/XXXX notifying me of the change. I never received said letter. 
4. The first time I was aware of the change is a letter came from the new mortgage servicing company on XX/XX/XXXX. So, I have to ask, If I received this letter, why did I NOT receive any previous letters. They had an incomplete address on the letter. This could be why I did not receive any previous letters. 
5. Chase reports my mortgage account as closed to the credit buraeu. My credit score goes down by 20 points. Negatively affecting my ability to refinance, new car loan, basically get any kind of new credit. 
6. Chase explains to me this is the way they report it and there's nothing they can do about it. Comes from a guy named XXXX ... he has no last name. 
7. Chase does not report the loan as Opened but transferred. they just report it closed. 
8. The new service provider, XXXX XXXX XXXX also tells me they have the right to suppress the payments for 60 days according to RESPA. I have done limited research on RESPA and can not find where it states that a consumers credit can be damaged by either a mortgage lender or a mortgage service provider. What I did find, was that they have the obligation to Protect the consumer during transfers. 
9. Also on XX/XX/XXXX XXXX XXXX XXXX has informed me that " I '' have to dispute this with the credit agencies. 
This is going to take hours of my time. I now have to correct something that I had no control over. 
Any help would be appreciated.
Product: Credit reporting or other personal consumer reports

I WAS OVERSEAS AT THE TIME OF THE IDENTITY THEFT IN THE XXXX XXXX. 
THE FOLLOWING ACCOUNTS ARE FRAUD. I NEED THEM REMOVED FROM MY CREDIT I CAN NOT GET A MEDICAL LOAN. 

XXXX XXXX XXXX XXXXXXXX ACCOUNT : XXXX AMOUNT {$500.00} XXXX XXXX XXXX XXXX ACCT # XXXX AMOUNT {$500.00} XXXX XXXX ACCOUNT # XXXX AMOUNT # XXXX XXXX XXXX XXXX. 
ACCOUNT # XXXX AMOUNT {$920.00} XXXX  ( NO BILLING NAME ) ACCT # XXXX AMOUNT {$580.00} XXXXXXXX XXXX XXXX XXXX  ACCT # XXXX AMOUNT {$60.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX account XXXX In accordance with the fair credit Reporting act XXXX  Account 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.

15 USC 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.

15 USC 1666B : A creditor may not treat a payment on a auto loan account under an open end consumer credit plan as late for any purpose.
Product: Bank account or service

synchrony bank closed by Amazon card account and has not provided me a letter stating the reason. I want a letter stating the reason the account was closed.
Product: Credit reporting or other personal consumer reports

Requested to.have name removes from accounts, I was only the authorized user on the account, account primary other then myself.
Product: Debt collection

XX/XX/XXXXXXXX XXXX Sold a debt thats a result of Identy theft to KINGS CREDIT SERVICE Im a victim of identity theft this debt was not performed by me
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and noticed some Hard Inquiries that I don't recognize. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mortgage XXXX
Product: Debt collection

This collection account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have incorrect bill from XXXX being reported on my credit report by XXXX XXXX and XXXX. After disputing this bill before and it being deleted for non confirmation it was reinstated on my credit report and XXXX have blocked my access to file dispute online requesting that i submit mail only dispute which usually takes over thirty days. I feel XXXX has violated by consumer rights.
Product: Debt collection

I applied for service XXXX bundle package, home phone, wifi, and XXXX. I received a debt collection for home phone that is active with my service. I attempted to call to clear up wrong information and no such luck. I have a letter that states I am in collections for my home phone, but I am active with service.
Product: Credit reporting

I have disputed with Equifax several times about inaccurate reporting of " XXXX XXXX XXXX XXXX '' for missed payments which is already being reported by " XXXX Bank Student '' Loan. The 120 day lateness was for 4 months ( XXXX XXXX XX/XX/XXXX ). I 'm being penalized twice for each lateness due to the duplicate reporting on the same loan and time frame XXXX double jeopardy ). Results came back quick each time as verified yet it was not thoroughly investigated with the creditors. After XXXX of the disputes, the balance on the XXXX account was altered to make it seem as though they are different. I have attached pages from my credit reporting updates on XXXX different weeks showing both accounts for comparison. There is no way I can owe both creditors at the same time for the same loan. The lateness occurred at the start of the loan when it was transferred and due to the ambiguity of who 's my creditor, the lateness should then be deleted. 

And if they are both the same company, it 's unlawful for the negative duplicate reporting with a balance. On XXXX XXXX is only listed but whenever I dispute the XXXX account on Equifax, the company goes back and somehow the XXXX account on XXXX is updated too with the same information plus dispute notes added. After XXXX dispute, they even had my payments altered to show 120 Days late in XX/XX/XXXX which was incorrect ( please see attached ). Any other XXXX Loans I have on my account is closed/transferred so something is n't valid. 

This loan is cosigned by mother who also has negative reporting on her credit report that contradicts the dispute results as well ( please see attached ). XXXX is only listed on her XXXX. Both accounts are duplicate reporting on her Equifax and XXXX. However on XXXX XXXX is closed but they updated the closed account to show random lateness. 

Please investigate this matter because I do n't believe the creditors have any accurate records so I do n't know what the Credit Bureau is verifying.
Product: Credit reporting or other personal consumer reports

These 4 inquiries reporting on my TRANSUNION credit report ( SEE ATTACHED ) are fraudulent, inaccurate and unverifiable. ( PLEASE SEE ATTACHED )
Product: Vehicle loan or lease

I have contacted the Agency about my vehicle when I first purchased it in XXXX of 2019. I told them two days after I got the vehicle the transmission went out and they informed me they were not sending the check to the dealership for the car until they fix it or exchange my vehicle. They gave me false information and still funded my account and told me I had to make the payment even though they told me my payments wasn't going to start until my car was fixed or until the dealership exchange my vehicle. I couldn't afford to pay for the vehicle and come out of pocket {$5000.00} to fix the transmission after I just put {$2100.00} down for the vehicle. I was doing really good before I got the vehicle I've always paid my bills on time and never missed a payment now my credit is suffering because of them and I can't purchase a home because of the repossession. When the vehicle gotten repossessed and sold they have submitted different balances on each credit bureau.
Product: Mortgage

I had a Real Estate mortgage with XXXX in XXXX. In XXXX I filed for Chapter XXXX Bankruptcy. In the Chapter XXXX Bankruptcy I surrendered the Real Estate Property to XXXX, the bankruptcy was discharged in XXXX, XXXX. In XXXX Caliber Home Loans, Inc. bought the Real Estate Loan from XXXX. In XXXX, XXXX I began receiving late statements from Caliber Home Loans. I had contacted Caliber asking that they stop sending me statements, that the loan was surrendered in Bankruptcy. I had gone to court on one occassion and informed the representative of Caliber Loans that we had surrendered the property. The attorney 's office was to inform Caliber. Caliber stopped sending statements. However, Caliber was reporting late payments on my credit reports. I called Caliber and told them that they could not report late payments on my report due to the Bankruptcy rule and gave them my case number. They actually refused over the telephone. As of XXXX/XXXX/XXXX, the Account Status on my XXXX Report was " OPEN '' and Payment Status was " LATE. '' Although Caliber Home Loans flagged my credit report on XXXX/XXXX/XXXX and states " account as BANK ADJUSTMENT / DEED IN LIU / BANK LIQUIDATION '' my Credit XXXX score is and has been affected all these months due to their negative reporting.
Product: Mortgage

My wife and I closed on our home in XXXX of XXXX and before closing, we purchased home insurance on the property on XXXX for {$2700.00}. We obtain our mortgage through XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) and our loan was then transferred over to Lakeview ( XXXX XXXX XXXX ). Our mortgage payment at that time was {$2800.00}. I started paying Lakeview in XXXX of XXXX and there were no issues until I received mail in XXXX stating that due to me not having home insurance, Lakeview will be purchasing home insurance on my behalf. In order to close on the property, I had to have home insurance, I am not sure what happened in the transition from XXXX to Lakeview but someone had to drop the ball. The insurance policy Lakeview purchased on my behalf totaled {$7300.00} which is my first concern since it is drastically more than the policy I was able to get, almost XXXX times more expensive. I provided proof of home insurance to Lakeview back in XXXX. I called and spoke to a representative on XX/XX/XXXX who advised me that there would be an escrow analysis done to review this issue and that before XXXXXXXX XXXX mortgage payment everything should go back to normal. I called a couple days before XXXX 's payment and was told that there was nothing Lakeview can do to prevent a draft of {$4300.00} since there was a balance discrepancy in my escrow account due to Lakeview 's decision to purchase an extremely expensive insurance policy. I was told then again that my account would have to go through an escrow analysis, which would be done before XXXX 's mortgage payment. The {$7300.00} was returned back to my escrow on XX/XX/XXXX, per their records. I sent a complaint email on XX/XX/XXXX which I still haven't heard back on. On XX/XX/XXXX, I noticed that my mortgage payment on Lakeview 's payment portal said that I had to pay {$4300.00} again, so I decided to send another email and asked that my issue/concern be escalated to the correct department. I still have not heard back from anyone at Lakeview except receiving documents that showed my escrow analysis. Another thing I don't understand is why would Lakeview disburse {$2700.00} out of my escrow account on XX/XX/XXXX for an insurance policy that is still active? Lakeview sent my home insurance company a payment of {$2700.00}, which was returned to me by my home insurance company via a check. So now, my escrow balance has a deficiency balance again due to their fault. I am dealing with the consequences of their actions and it is not fair that I can't even receive a call from someone in management regarding this issue. When I asked to speak to a person in management on XX/XX/XXXX, I was cold transferred to someone's voicemail. That is the reason why I decided to start writing emails to Lakeview. I just had my XXXX XXXX son in XXXX of this year and my wife is on maternity leave so our finances are tight at the moment. I've paid close to {$1400.00} extra for XXXX & XXXX due to Lakeview 's inability to correct their own mistake, which is extremely unfair to my wife and I who just started a new family and currently living on one stream of income.
Product: Credit reporting or other personal consumer reports

Credit cards and hard pulls along with incorrect names/ numbers and addresses are attached to my credit report. Open credit cards that capital one can not locate associated with my social security number but are reported on my credit report. Credit bureaus have been contacted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I put in the same exact dispute information to Equifax over incorrect or fraudulent addresses on XX/XX/XXXX, XX/XX/2020,XX/XX/XXXX. 
The resolution was that they were to be deleted I had called in to Equifax before the 10 month about it, they asked me the security questions that was on my profile. He then put in the same dispute as well after he told me he couldn't go in automatically and delete it himself. 

On XX/XX/XXXX. The resolution was to have those address deleted. Today is the XX/XX/XXXX. 
I called in again since now it has been well over 30 days to delete those from my account. 
I answered the same security questions and didn't pass even though I was looking dead off at my online credit report as I normally do when dealing with Equifax. 
She tried to tell me and then deny that she had asked me a so called security question that did not even pertain to my credit report over asking me if I ever had another credit card in the past even when I listed to her what all CC accounts I had. I had listed the credit limit and the monthly payment. 
She then tried to tell me that I needed to send in a copy of my id and social security number. I told her they had it already on file. She then asked me when I sent it in. Told her I couldn't remember since it was such a long time ago when I sent it from this exact address. 
She then replied instantly it wasn't on file ( Doubt she even looked being that quick ). 

I am tired of fighting with Equifax every time I turn around. They are the worse company to work with and they do not abide by government laws. They are outsourced to the XXXX when they should be American based!!!! 
All I want them to do is update and DELETE those addresses from my credit report!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Credit Bureau / XXXX MGR ; I demand that you personally DELETE this account from XXXX CARD directly from my credit report effective immediately because, one Im not liable for this account as you can see on the attachments or the letter of paid off from XXXX, and its also reporting questionable balance, incomplete and misleading information. Early XX/XX/2020, I opened dispute against the original creditor, and all the major credit bureaus due to same inconsistencies, violations, misleading and incomplete information on this negative account I simply asked for it to be investigated and DELETED from my credit report, but I simple received a template responses either asking for additional information or that you guys verified as accurate. Its not accurately reporting, and it continues to have monthly payment on closed account, questionable balance, and different dates of last active, last reported, last payment, etc. Account status was never updated that I ever disputed why? 

Here are some highlight reasons why I need this account DELETED from my credit effective NOW. 

There shouldnt be any late payments after the account was closed! 
Why am I seeing years of late payments after the close date? Its not possible to be late on a closed account! 
Status update date shows that this account wasnt even investigated, remove account. 
3 different open dates reported 3 different date of last activity dates reported Cant possibly have been verified because the status update date has not changed. 
Account has illegally been re-aged. Remove. 
Bought by a collection agency but still shows a balance. 
Bought by a collection agency but still shows a past due. 
Bought by a collection agency but still shows a monthly payment. 

SEEEEEE THE ATTACHEMENTS ON THE NEXT PAGES!!!
Product: Credit reporting

XXXX XXXX account # XXXX This is inaccurate account information. I had a low limit credit card with them {$300.00}. I never borrowed {$950.00} on that card, and it shows a balance owing {$1200.00}. I never owed that much on the card. This is inaccurate all around!
Product: Credit reporting or other personal consumer reports

I wrote TransUnion about late payments show up on my credit. 
On XXXX XXXX XXXX XXXX 15 U.S. Code 1666b - Timing of payments IF YOU CHECK MY BANK STATEMENTS THESE LATE PAYMENT SHOULD BE REPORTING PAID ON TIME NEVER LATE FOR ALL 4 MONTHS
Product: Credit reporting or other personal consumer reports

It's incredibly XXXX and you can't imagine how bad it is. I'm an honest person working hard, but when I look at my credit report, all I see is false, incorrect, and inaccurate information under my name. As a consumer, I know I have rights and protections, but it feels like a lie. I want to uphold my rights under the law, even though these errors are already negatively impacting my life and credit. I need your help to fix this. I'm sick and tired of living paycheck to paycheck and having my credit applications denied because of these mistakes.
Product: Mortgage

I accidentally made a partial payment of {$410.00} on XX/XX/2017 that was supposed to be applied for XX/XX/2017 mortgage. My typical mortgage amount is $ XXXX/month so I still owed {$380.00} for XXXX. When I was notified that I made this error, I immediately made the payment of {$380.00} on XX/XX/2017 to satisfy the remainder of XXXX 's mortgage. However, the mortgage company applied the {$380.00} to XXXX. I made a payment of {$810.00} on XX/XX/2017 for XXXX 's mortgage and the lender applied this amount to XXXX. Therefore, they have the {$380.00} on " hold '' and are showing we still owe a full balance of {$800.00} for XXXX. I initially called on XXXX/XXXX/17 ( spoke to XXXX ) and they assured me that the {$380.00} would be re-allocated to satisfy XXXX 's payment and that the {$810.00} would be reallocated for XXXX 's payment so that I 'd be all paid up until XX/XX/2017. The re-allocation was to be complete by XX/XX/2017. On XX/XX/2017 I called again ( spoke to XXXX ) and was assured they were still working on the re-allocation and that it would be complete and my account would show no payment due until XX/XX/2017 for {$800.00} and that this process would be finished by XX/XX/2017. On XX/XX/2017, the account still showed we owed money so I called the lender again ( spoke to XXXX ) and was told that the re-allocation was completed, but that the system had n't updated and that a supervisor would update the system to show our account was caught up and that this would be completed by XX/XX/2017. This morning ( XX/XX/2017 ), the account still was n't updated so I called and was told by XXXX that the reallocation had NOT completed and that they were just " running behind. '' I explained this is not what I was told two days ago and asked for a supervisor. She said no supervisor was available and that they 'd call me back within up to 48 hours. I am getting the run around, it 's mid-month already, I 'm worried about late fees/hits to my credit and I do n't want my account to show as delinquent when it 's NOT delinquent, the lender allocated the funds incorrectly and they need to correct this immediately.
Product: Debt collection

I applied for a mortgage and made an offer on a property in XXXX GA, on or about XX/XX/XXXX. In pursuing a mortgage, I contacted several insurance companies, including, XXXX XXXX, XXXX, and XXXX insurance  companies, for homeowner insurance quotes. 

On or about, XX/XX/XXXX, I advised my real estate agent, to terminate the contract, due to loan issues, relative to XXXX  XXXX XXXX. The Unilateral Notice of Termination was issued to all parties, including the Mortgage company on XXXX/XXXX/XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX, however, in a violation of the FDCPA, issued a policy ( # XXXX ), which it states, was terminated on XX/XX/XXXX. 

XXXX. 

I applied for a mortgage and made an offer on a property at XXXX XXXX XXXX, XXXX, GA XXXX, on or about, XXXX/XXXX/XXXX. In pursuing a mortgage, I contacted several insurance companies, including, XXXX XXXX XXXX, XXXX, and XXXX insurance companies, for homeowner insurance quotes. 

on or about XX/XX/XXXX. I advised my real estate agent, to terminate the contract, due to contingencies issues, inspection, including other property issues. The Unilateral Notice of Termination was issued to all parties, including the Mortgage company on XX/XX/XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX however, in a violation of the FDCPA, issued a policy ( # XXXX ), which it states, that I terminated on XX/XX/XXXX. 

XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX is in violation of The Fair Debt Collection Practices Act ( FDCPA ), Pub. L. 95-109 ; 91, Fair Credit Reporting Act, 15 U.S.C. 1681. 51-6-2, et al. 

XXXX has engaged in willful and reckless harassment, malice, and contempt, along with reckless indifference of my rights, which are protected by both XXXX and XXXX XXXX. They have done so deliberately and without regard for my well-being, comfort, and enjoyment of life. 

Please take note, due to this deliberate behavior of XXXX XXXX XXXX XXXX XXXX XXXX, I have suffered, irreparable pain, suffering, and enjoyment of life, as a result, I will be pursuing claims for damages, in, State or Superior Court of XXXX XXXX Georgia, and/or Federal Court, where applicable. 

I demand a payment sum of {$5000.00}, in order to settle this egregious and deliberate act, as I'm in the process of going to closing on a home, on XX/XX/XXXX, and my credit will be pulled, reflecting this illegal action.
Product: Checking or savings account

I found a XXXX dollar fraud transaction on my account and they keep refusing to give me my money back for a purchase from a company called XXXX XXXX I have now filed a claim 5 times and keep getting denied
Product: Credit card or prepaid card

on XX/XX/2022 I bought a gas grill from Lowes XXXX XXXX Ohio store and worked with the store Mgr. named XXXX. The grill was assembled by Lowes and I charged this purchase on my Lowes credit card by Synchrony Credit Card ending in # XXXX. Lowes delivered the gas grill at our home on XX/XX/XXXX. The assembly was defective since the front door on the grill does not stay closed and swings open and cut my leg on the sharp edge of the door. We called and talked with XXXX Store Mgr on XX/XX/XXXX and he would send someone out to fix the defective door. No one showed up for the appt. We called and talked with XXXX again on XX/XX/XXXX and he told us he would send someone out to pick up the grill and send us a replacement the week after XX/XX/XXXX. No one showed up again. We called and talked with the Lowes credit card person the first week of XXXX but the credit card company refused to allow us to file a Dispute per Regulation Z of the Fair Credit Act. We called again on XX/XX/XXXX to Lowes credit card and the Dispute person did take our Dispute and told us we would get a letter confirming our credit card dispute within one week from them and they would pass the dispute onto Lowes the merchant. We never have recieved the Dispute letter or had Lowes replace our defective gas grill. Clearly Lowes and Synchrony Credit Card do not adhere to the Fair Credit Act and purposely lie to consumers about their credit card purchase Dispute process. We want the credit on our card processed immediately by Lowes and GE Capital Bank or a new gas grill.