23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In the closing documents provided to me by Caliber Home Loans, Inc. ( CalibeXXXX XXXX immediately before the date of my mortgage settlement, I was informed that my total monthly mortgage payments for years 1-7 of my mortgage loan would be about {$890.00} and decrease thereafter. Of this amount, about {$200.00} was estimated to be necessary to cover my escrow requirements. I recently received information from Caliber, however, that indicates that my escrow payment was not estimated correctly and there is a shortage in my escrow balance. To make up for this pervious shortage and to account for future shortages, Caliber has increased my escrow payment by about {$350.00}. When I called Caliber to inquire about this matter, I was informed that the initial disclosure documents provided at settlement only contain estimates and its rather common for those amounts to increase in the future. I was also told that the shortages may be due to a tax miscalculation done by Caliber before the date of my settlement. 

Such a response is unacceptable. While escrow payments may increase due to slight tax fluctuations in future years, I fully expected that the initial disclosure provided to me by Caliber at settlement was accurate, especially given that tax information is publically available and CalibeXXXX billed me for a XXXX XXXX XXXX. An increase of about 173 %, however, in the escrow payment is material and Calibers failure to disclose a reasonably accurate escrow payment at closing was a material misrepresentation and/or omission.
Product: Debt collection

I moved out of my apartment on XX/XX/year>. My account was closed with XXXX balance. The apartment also kept my security deposit and did not provide me with itemized bill/ledger of my final bill before closing my account. 
I was never notified that I owe any money from the apartment nor was I notified by the collectors that I owe money. The only reason I became aware of this issue was through a notification by my credit report stating that my score went down. This came as a shock to me because nobody ever attempted to contact me or provide me with documentation showing exactly what I owe. 
I need a copy of the documentation stating exactly what I owe and what my security deposit was used for and an explanation on why nobody contacted me through phone, email or even address because all those were provided to the apartment before I moved out.
Product: Debt collection

XX/XX/year> Answered automated phone call about a debt not under my name and transferred to secretary Asked where information was obtained and secretary denied and insisted the wrong phone number was put in. XXXX other debt collectors have called with this name and my phone number put into their system, therefore, this is a result of identity theft and company having STOLEN information from the dark web.

Secretary insisted my number was not stolen and yelled at me to call the police instead of offering any information and proceeded to hand up.
Product: Checking or savings account

On XX/XX/XXXX, I transferred {$1500.00} from my account to another account via XXXX in my banking app for a golf cart and camper that had been listed on a friend 's profile. Within an hour, I was informed that the individual to whom I had transferred money was just pretending to be my friend scamming people ( having hacked my friend 's account - note : I have purchased from that friend before ). Thus, I was scammed by someone pretending to be my friend. I immediately called the bank on XX/XX/XXXX at XXXXXXXX XXXX  and asked them stop the payment, however, they informed me that there was nothing they could do. I had to wait until the payment moved into " processed '' from " pending. '' I also submitted an email to XXXXXXXX XXXX XXXXXXXX XXXX email address right after and got absolutely no response. On XX/XX/XXXX, as soon as the payment said it was " processed, '' I called the bank and opened a dispute case. Having heard nothing, I called the bank - again- for an update on XX/XX/XXXX. I received a letter in the mail on XX/XX/XXXX stating that my dispute had been denied - never once was I asked for any information to give my evidence- I have MANY screenshots of the conversation with the scammer indicating that I knew they had scammed me. They eventually confessed to it, essentially making fun of me. On XX/XX/XXXX after receiving the dispute letter, I called into the bank again asking to understand why they hadn't asked me for any documentation- I spoke with two individuals, whose names I have, both told me there wasn't anything they could do and refused to give me the name of the recipient 's bank so I could contact them directly. I then called XXXX, who informed me that the bank has all of the transaction information and there was nothing they could do.
Product: Checking or savings account

My XXXX and I have a joint checking account that we have had open since she was in high school. With her now working and using XXXX for her checks and banking needs she barely uses her Navy Federal account. I she her balances when I log in to my own account and when I see things are not right, I usually speak with her about it. I noticed that she was in the negative back in XXXX. She told me that she didn't have access to her account. She moved during the month of XXXX and was without her old cell phone and debit card and was not aware until I made mention of it. Upon her calling into Navy Federal they reset her account access, changed her address, and sent her a new card. Looking over the transactions, it looks like someone had her debit card and account number, was sending money to her account then going to the atm to remove the same money they sent to her account. You can see that whoever had the card, also knew her PIN number because it was a XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. They would do an inquiry then withdraw the money. They used a XXXX XXXX XXXX she would only use Navy Federal banks or banks in conjunction with them so that she wouldn't receive fees. She literally has only been using this account for quick bill payments and/or family business. The bank has not been helpful with this matter at all, they reversed her temporary credit then deducted the funds from my account to make up for her account being in the negative. They recently sent her a letter saying that this claim was denied because they " feel '' she " benefited '' from these transactions. I have been calling them, going to the bank, and trying to get this resolved as we do not live together and she is young and not really sure of what to do. This has not only put a strain on our relationship, but it's driving a wedge between her and I. Additionally, I am behind on several bills and unable to get mandatory XXXX because the bank is continuing to jerk us around.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Credit Report on Experian and XXXX are inaccurate and showing false information. Includes address and employment...etc.
Product: Debt collection

On XX/XX/XXXX I received notification from Medical Revenue Service that I owed {$1400.00} for services incurred on XX/XX/XXXX. I notified my XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX of this issue. They have stated that I am not responsible for the debt as can be seen on the enclosed document. The debt is a Contractual Write-off between XXXX XXXX and XXXX XXXX. As stated on the document this amount can not be billed to the patient ( myself ). Yet the Collection service continues to harass and threaten me with placing the item on my credit reports which they have. The document from my provider clearly states that I am not responsible but I remain threatened.
Product: Debt collection

A debt collection company named Firstsource has bought a debt from a Credit Card company named XXXX XXXX. I informed XXXX XXXX previously that this is not my debt. The amount stated I owed was {$1000.00}. I requested several times from XXXX XXXX to show me proof this was my debt, as I had never had a contract with them or entered into any agreement. I informed them I never enter into a contract without signing my wet-ink signature on a document in agreement of such terms. 

This being said, I never opened an account with XXXX XXXX, and XXXX XXXX never showed me proof to the contrary. Now, they have turned over this debt to XXXX XXXX XXXX to collect the debt, which again, I do not owe and never had a relevant account. 

This complaint is about XXXX XXXX, but I thought an explanation was needed to describe how this entity became involved in an unfounded debt. When Firstsource first sent me notification this debt was turned over to them to collect, I immediately replied to what I have stated here ( first paragraph ), that I never opened an account with XXXX XXXX and do not owe any debt, and demanding Firstsource present to me what I asked of XXXX XXXX, a written wet-ink-signed document memorializing my agreement to such a contract ab initio. 

Firstsource replied recently nonresponsive to my first complaint and demand of proof of this alleged debt. They have reduced the amount to {$510.00}, but I owe {$0.00}. This company must cease this correspondence unless they have what I am asking for, a written contract with my signature thereon verifying this agreement exists.
Product: Debt collection

I have not lived with my parents for over 20 years and they called my father at his work. I have had so many letters and calls from these people over the years XXXX and I find it hard to deal with. The company Portfolio Recovery has 4 collections on me totaling almost {$2500.00}. In the past I have tried to call and they are not willing to work with any type of payment plan for someone on foodstamps with low income. I have no idea what companies or debts they represent. They fill up my credit report and make it hard to find a home, job, school loans.The continuous letters and harassment have led me to feel consumed with fear, worry and anxiety. I tried to buy a home recently and was crushed to find out my credit score. I am a person with XXXX and the hits on my credit and all the continuous harassment mail and calls XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Got a letter from XXXX XXXX on XX/XX/19 saying I was denied a auto loan because of a illegal credit reporting company called XXXX XXXX. I know my credit score and this company is playing into the hands of the banks to give false data on consumers.
Product: Credit card or prepaid card

Tried working with Discover who have been all too happy to destroy my perfect credit score due to their oversight. The original email that I sent to Discover 10 days ago is below : Hello, Still am shaken up. My credit has been perfect and I have never had a delinquent payment ver since having my first credit card. We never received statements from Discover regarding the delinquency. Also, the email that they have on file for me for the old account is a very old email address that is no longer used. The numbers that they tried me on are also old and not in use ( one of the numbers was from when I lived in XXXX / XXXX ) My mortgage broker just called my wife and I to say that Discover had reported us delinquent over {$93.00}. After doing some digging, it looks like Discover reactivated an old account ( which we had closed out ) from XX/XX/XXXX. They did this by sending us a new credit card for the old account. Up until this point, we had one account with Discover from XX/XX/XXXX. This account was set up with automatic payments to pay off the balance in full every month. The new card that we received from Discover was assumed to be a replacement card for the XX/XX/XXXX account ( not a reactivated card from an old account we never asked for the reactivation ). We had simply assumed the new card was for the one account that we were aware of and, all of our payments were being automatically paid off. My wife and I are scheduled to close on a new house. The mortgage broker ran our report and noticed that we had a XXXX point ding for a delinquent payment that we were unaware of My wife, XXXX kids and I will not have a home to live in if we can not get this mistake reversed on our credit report. As soon as I found out about the delinquent balance ( today ) I paid it off. Also, my credit report shows that over the past 15+ years ( the moment that I started using credit cards ), I had never been delinquent on a payment and have a perfect payment history on my debts. I work as a XXXX XXXX for XXXX XXXX XXXX and maintaining perfect credit is essential in my business. So in addition to preventing me getting a house, this oversight ( Discover reactivating an old account and then being unable to contact me about payments ) will also have ramifications for my career if it is not fixed. Please help me as there will be a negative domino effect. The folks at Discover can check my credit reports to see that this is the only instance in my credit history where I have had a late payment and, I never spoke to anyone at Discover prior to the delinquency being reported that gave me the heads up about this. Thank you Discovered noted and would not acknowledgement that statement may have not received by me. There is an article by XXXX XXXX news that there is a mail delivery problem in the town I live in. Common sense could be applied that something could have happened with someone that has 17 years of not being late.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XX/XX/2020 I submitted the proper printed form to request my ( 3 ) annual credit reports. Two agencies have complied. Experian has been negligent in complying with this request. The time frame of my last request was in excess of 18 months. During my last request again it was EXPERIAN whom disregarded the FCRA requirements. 
It would appear to me that Experian deliberately tries to avoid supplying citizens with their requested reports.
Product: Student loan

Navient holds my student loans and we 've recently set up a income based repayment plan with them. However, their website is an absolute mess. I am billed over {$600.00} every month, but they insist that I just pay the agreed-upon repayment plan amount of {$300.00}. 
Our payment for XX/XX/2016 was recorded for {$300.00} but we 're seeing a lot of red and " Past Due '' notices all over the main page of my account. 
Not only is this happening, but every month when we go to make a payment, I have to decipher their bill payment form because they have 4 different Stafford Loan lines and 2 consolidated loan lines and they do n't know what to tell us when we ask how much we need to pay for each one to add up to the {$300.00}. And simply changing the total payment field does n't work. We 're trying to stay on top of this but nobody at Navient is hearing us. Please advise us. Thank you.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report in EQUIFAX. It indicated that the credit inquiries were made by the credit companies listed below. However, these inquiries were not authorized by me. Therefore, I am writing to dispute these inquiries and have it removed from my credit report. XXXX XXXX XX/XX/XXXX XXXX
Product: Checking or savings account

On XX/XX/year> someone hacked into my XXXX  account after I sold my phone they made multiple purchases consistently. I messaged XXXX to resolve the issue and refund they told me they will investigate, the hacker changed my email I was not able to get access to it while waiting for XXXX I assumed that they would lock the account from further purchases and they did not. I waited for the investigation to finish and the hacker was able to complete multiple purchases. XXXX then respond for me to contact my back to dispute the charges due to there system not allowing to reverse the transactions, Wells Fargo denied my refund with XXXX explanation. 

Claim Reference Number : XXXX
Product: Credit reporting or other personal consumer reports

This is one of my many attempts to inform the 3 credit bureaus that I am an identity theft victim and that certain data in my paperwork appear to be the result of improper behavior. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Remove any notable information regarding any claimed fraud or extortion from my credit record, assuming that no one will care. 
XXXX XXXX XXXX Balance : {$0.00}
Product: Money transfer, virtual currency, or money service

This problem involved Venmo. My account was suspended one day for violating their policies. I did nothing different from one day to the other and have anyways used Venmo responsibility. I contacted Venmo through the mobile app. I was sent an email telling me I need to send a photo of my government issued id. I was very hesitant but ultimately did. 
I was turn told I need to send a photo of me holding the Id in order to verify my identity. 
I feel there are alternative ways to verify someone's identity. 
I cancelled my account and opened a new one and it was immediately suspended as well. 
I was next informed that I need to send a statement from the card in file for my account. Incredible! All kind of red flags went off with that. 
I would just like to have access to my account back but every time I comply with what is asked if me, something else even more personal is demanded.
Product: Checking or savings account

i tried to pay for a goods and services on paypal and they took the money. the guy is a scammer and i contacted paypal immediately and since i used the goods and services option i should of been refunded but they have not done so and let the person keep the money. money sent the XXXX in the evening and i contacted them the XXXX i am supposed to be covered by their purchase protection program since i sent the money as goods and services. as ive had no contact with the seller and they have not done the work they were contracted to do. i also do not have the item.
Product: Credit reporting or other personal consumer reports

I am currently in the process of purchasing a home and had my consumer report ran. Received notification there was a new listed collection account with XXXX XXXX for an alleged debt with XXXX XXXX for {$1600.00}. I reached to the original creditor to dispute the claim. They have a falsely created account that I have never attended and directed me to the collection agency. They were not able to assist the dispute or do any form of due diligence of resolving the issue.
Product: Debt collection

I consumer XXXX XXXX extended my credit to CAPITAL ONE by giving them my credit card in order to create the account. When I used my credit card I sold CAPITAL ONE security interest. I am the original creditor and I do not owe this alleged debt. I don't have a contract with CAPITAL ONE. In order for a contract to be valid, the meeting of two natural minds have to meet in which CAPITAL ONE DID NOT. This alleged contract is fraud. CAPITAL ONE refused to send original documents or to provide a documentary trail of where the credit came from and to show where CAPITAL ONE gave me the money from their account. I've sent CAPITAL ONE a cease and desist several times and they refuse to stop all communication through any medium under 15 USC 1692c ( c ). I do not have to qualify for a cease and desist as CAPITAL ONE says. I am the consumer and I am federally protected. This debt collect is harassing me and using abusive language that is offensive to me as the consumer. I demanded for CAPITAL ONE to send the holder due course of this account and CAPITAL ONE refused. I demanded to know the finance charge and CAPITAL ONE refused. I demand for CAPITAL ONE to validate this alleged debt and they failed to do so. I demanded that CAPITAL ONE stopped reporting my non public information under the privacy Graham Leich Bailey Act and they refused. I the consumer am the only natural person who can offer and extend credit under the provisions of 15 USC 1602. A finance charge is involved and its the sum of all charges.
Product: Debt collection

On XX/XX/2022 I received a response from Resurgent, the current owner of LVNV Funding LLC, Reference Id # XXXX in reference to my inquiry regarding the validation and verification of a debt they were trying to collect on. 

The collection agency sent a letter providing verification of the debt in the form of a credit card statement listing the original creditor as XXXX XXXX XXXX. Upon my review, I mailed a rebuttal letter disputing the debt and it's validity, as it does not belong to me and the Account Holder is someone with a similar name. Included with my response by mail, I submitted a copy of my state identification confirming my legal name. 

The collecting agency as indicated via the FCRA should have responded via USPS Mail within 30 days. However, I received a response dated XX/XX/2022 which was a duplicate of the previous verification of debt in the form of a credit card statement. 

I have tried disputing directly with the agency, as well as the XXXXXXXX XXXX XXXX to have the information deleted from my file, as the collecting agency is reporting incorrect information to the credit bureau. However, my attempts have been unsuccessful.
Product: Mortgage

Wells Fargo unfairly did not offer me competitive rates during my mortgage refinance process and is overcharging me. Wells Fargo also concealed the fact that I was eligible for an escrow free mortgage causing me to lose potential interest income.
Product: Credit reporting or other personal consumer reports

I have been looking at my credit report and have noticed many inaccuracies and accounts that i do not recognize. Please help me with this because this is effecting my credit worthiness and my ability to get approved for other things I need. From the FCRA all information should be correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

In trying to correct my credit due to an injury at work and illness that caused problems, I found collections accounts and one from THE BUREAUS INC with a balance of {$280.00}. I contacted them to validate the account, as I was unaware of it, so I proceeded to validate my info to prove my identity only to be responded with : " Thank you for verifying your information. Your account is currently being serviced by XXXX XXXX XXXX. You can contact them regarding payments or any inquiries you may have ... '' I now proceeded to contact XXXX XXXX XXXX to validate my debt that I still haven't been shown valid?! They responded with email and mail validation, so I called to pay off debt immediately. I was emailed instantly and later mailed a letter that the payment was given to satisfy account. I also asked if it was going to be removed from credit reports and show corrected information and was assured it would be. 
I have disputed with the three credit agencies due to the fact my reports STILL showing collection balance and open/ongoing re-aged?! 
Dispute results were : The company that reported the information has certified to XXXX ( others as well ) that the information is accurate. This item was not changed as a result of our processing of your dispute. 
I must note that this is being reported by THE BUREAUS INC? 
I did my part in correcting hardships and paying off debt, they should honor their part! This is harming me with home leasing/purchase!
Product: Credit reporting, credit repair services, or other personal consumer reports

CREDIT MANAGEMENT LP AGREED TO DELETE MY PAID COLLECTION AND THEY HAVE NOT DONE SO. XXXX KEEPS STATING THAT THEY HAVE NOT RECEIVED ANY INFORMATION FROM THE CREDITOR REGARDING DELETING THIS PAID ACCOUNT. THIS ACCOUNT HAS BEEN FULLY PAID AND THE AGREEMENT WAS THAT CREDIT MANAGEMENT WOULD REQUEST THAT ACCOUNT BE DELETED FROM MY FILE.
Product: Vehicle loan or lease

Late payments on my Credit report are wrong information about my payment history. I have never been late I have always made my payments on time. Please remove as soon as possible.