23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My Lender Loan CarXXXX, did the annual review of my escrow/impound account and found there was an overage of {$110.00}, the statement showing this is dated XX/XX/XXXX. 
Then I receive a Statement dated XX/XX/XXXX which states now their is a shortage and Increased my payment {$3.00}. 
On XX/XX/XXXX after I had received the overage check I called Loan Care and said I would rather leave the money in the escrow account so as to not increase my monthly payment and gave them the money back, confirmation # XXXX. 

Then I receive the monthly statement dated XX/XX/2018 which says my payment has increased by the {$3.00}, I called Loan Care to inquire about the payment not increasing because I gave them the {$110.00} back and was advised that would do nothing to reduce the payment. This whole process does not make since, I would rather the lender keep any overage or give me the opportunity to pay any shortage rather than increasing my payment. 

This seems like extra work on everyone 's part.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting information regarding a process, for those who have been homeless, to obtain their credit report. I provide free classes on how to get a credit report and answer question on correcting errors on the report. I have a class scheduled at a center that provides housing and recover programs for the homeless and those suffering from additions.

Many of these dear people have lived on the streets for years. One problem I have found is that they are often stuck in a cycle that prevents them from getting a job or housing.

The cycle is they attempt to rent an apartment or get a job but fail because their credit is bad. They then remain homeless and jobless until they can try to repair their credit report.

There needs to be a process that allows the homeless person a way to get their credit report prior to seeking employment or housing. I have checked your site and you require a Social Security number, address and Birth date to get a credit report. The individual has the social security card and birth date but no address.

What can a person use that is a legal document to submit in place of the address to prevent Identity Theft? There needs to be a solution to this problem. This issue affects thousands of US Citizens trying to get their lives back on track.

I have searched your website but there isnt any information to address this issue. I tried your contact numbers but they do not provide access to a customer service representative to allow this question to be asked.

I searched the CFPB website and there isnt a reference for this issue. I think this question should be added on the website. This problem affects thousands of people and their families. We need a process to assist these families.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  {$990.00} XX/XX/2018 XXXX XXXX {$1100.00} XX/XX/2018 XXXX XXXX {$1400.00} XX/XX/2018 XXXX XXXX {$1400.00} XX/XX/2018 I have tried to reached out to this company many times but respond.
Product: Vehicle loan or lease

Good day, On XX/XX/XXXX, I purchase a XXXX XXXX XXXX XXXX # XXXX from XXXX XXXX. I just learned that on XX/XX/XXXX, XXXX XXXX  filed for Bankruptcy. See Case No. XXXX In the XXXX XXXX XXXX Virginia XXXX Furthermore, XXXX XXXX XXXX filed a lawsuit against XXXX XXXX on XX/XX/XXXX for non-performance under case number ( XXXX. I made all my payments on time. Now I'm receiving mail form PERITUS PORTFOLIO SERVICES, claiming the current Credit is XXXX XXXX without providing any proof of claim as requested by me. I contacted the Bankruptcy Trustee and was told that PERITUS PORTFOLIO SERVICE do not have any rights to collect a debt on behalf of XXXX XXXX. I don't know where to make my payments and PERITUS PORTFOLIO continued to call and threaten to file a court case against me. I have no other choice in this matter but to file a Adversary Complaint into XXXX XXXX  Bankruptcy Case. I am requesting that PERITUS PORTFOLIO SERVICES, AND XXXX XXXX provide me with PROOF of there claim as I have requested three times from them but to know avail.
Product: Credit card or prepaid card

I had a massive Travel issue with XXXX which is currently going through a Chargeback Dispute with Chase. During this whole process to make a long story short XXXX absolutely screwed me and left me high and dry and took my money. My flight was canceled and moved to the next day. We were originally supposed to get to XXXX XXXX on XXXX and my flight wouldn't get me there till XXXX. To account for this I booked a non-refundable ticket for {$420.00} which ended up being the conversion rate from AUD. I filed this Claim with Chase and was told to go through XXXX, and that has been an absolute nightmare to deal with. I've never seen a backend company so inherently unorganized. They said I can send documents to XXXX and they would be attached to my case, this doesn't work they just don't check the email. Their document upload portal is terrible and I can't upload half of my documents. And the icing on the cake is just how incompetent they are. I've sent them multiple documents via email, their upload center, and verbally explained it no less than 5 times and they can't keep a record. I filed this claim on XXXX and my charges cleared on XXXX and it's been a nightmare. As explained above they can't process information, and at this point their last communication was on XXXX and they've ghosted me and won't talk to me. 

I understand this isn't directly against Chase but Chase provides the benefit and won't intervene. 

To top it all off I had a series of the rudest and most unhelpful reps today. The reps are so unhelpful they do cold transfers to random XXXX departments and they hang up on me when they just don't want to help. In specific I was told twice there is nothing that Chase can do and effectively to pound sand. Why should I even continue to do business with a company that seemingly makes up rules on a whim to benefit them?
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance Owed : {$690.00} XXXX XXXX Balance Owed : {$2000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$4500.00} XXXX XXXX XXXX XXXX Balance Owed : {$2000.00} XXXX XXXX XXXX XXXX Balance Owed : {$1700.00} XXXX XXXX XXXX XXXX Balance Owed : {$1400.00} XXXX XXXX XXXX XXXX Balance Owed : {$870.00} XXXX XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$1200.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance Owed : {$4500.00} XXXX XXXX XXXX, CA XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX
Product: Student loan

I took parent plus loans for my childs schooling and ended up consolidating them and Navient ended up with the loans .I contacted the Navient several times during repayment about the payments not being applied to the balance.I recently decided to look at the life of the loan and contacted a Navient Advocate about payments made that were not for the right amount applied. 
Because of this I had late fees for the life of the loan. 
The payments were short more than 80 % of the time. 
The payments showing were always different than the actual payment only a few were correct. 
I made a large payment to pay off the loan accounts because the balance was increasing substantially from fees and never having a reduction in the original amount loan amount. 
I noticed the payment was shown by the advocate as being {$6000.00} Short. 
I am frustrated and want a refund of the overpayments I made. 
The amount is a lot not including the extra fees tacked on. 
This needs to be addressed it has created a lot of hardships for parents and students. 
Education is very important to the future of our country to prevent our economy from having the problems that exist currently. 
Support the education system and dont create hardships for families.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Account from my credit report as well as update the Account from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX Balance : {$10000.00} ;
Product: Credit reporting or other personal consumer reports

I discovered an unauthorized and inaccurate collection account on my credit report from Equifax associated with XXXX, account number XXXX. This account does not belong to me, and I have no knowledge of its origin. I formally disputed this account with the credit bureau, requesting verification and removal based on my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 623 ( 15 U.S.C. 1681s-2 ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Sections 809 ( 15 U.S.C. 1692g ) and 807 ( 15 U.S.C. 1692e ). 
Despite my formal dispute and request for a thorough investigation, EQUIFAX has continued to report this account without verifying its accuracy or providing me with documentation supporting its validity. This violates my rights under the FCRA, as credit bureaus are required to conduct a reasonable investigation and must not report inaccurate or unverifiable information. Notably, failure to comply with these requirements has been underscored by precedents such as XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
This inaccurate information is damaging my credit score and affecting my financial standing. I believe that the credit bureaus failure to properly investigate and respond to my dispute is a direct violation of the FCRA, causing me unnecessary harm.
Product: Checking or savings account

Key Bank has a promotion in which new Key Bank customers open a new checking account and direct deposit {$500.00} within the first 60 days receive a {$200.00} incentive payment. I have never been a Key Bank customer. On or about the end of XXXX of XX/XX/2021, I opened a Key Bank checking account online but was unable to fund the account due to technical difficulties with their website. I started the process over which opened a second Key Bank checking account. I was able to fund this account so I closed the original account. The two accounts were opened within a week of each other so it is clear that I was neither a longstanding client nor have I had a checking account with Key Bank previously. I direct deposited the {$500.00} on XX/XX/2021 as required. It is now XX/XX/XXXX and I have not received the {$200.00} incentive payment. When I called to resolve the issue, I spoke with multiple employees at an XXXX number and at the branch. They are claiming because I had a previous account, I am ineligible for the promotion. I could not fund the original account online and it is clearly a technicality. No one is willing to help me obtain the promised payment of {$200.00}. 

I would like the {$200.00} payment deposited into my account as soon as possible.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX : Account Number:XXXX Account Name : XXXX : Account Number:XXXX Account Name : XXXX XXXX : Account Number:XXXX Account Name : XXXX : Account Number:XXXX Account Name : XXXX XXXX XXXX : Account Number:XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Credit card or prepaid card

Around XX/XX/XXXX my credit card with chase was shutdown without any notice to me. I had been a long time cardholder of many years with them, and when I called support I was told my account was closed due to too many credit limit increase requests and returned payments. Unfortunately I had accidentally used the wrong bank account for two or three payments over the span of 2 months, but I immediately rectified the issue by doing a new payment from the correct bank account. Around this time in XX/XX/XXXX, I had made two large lump sum payments because I realized the last payment I had done a week before, was bounced. I did not attempt to use my card after the two large payments went in. A few days later I did try to use my card and realized the account had been closed the day AFTER my payments went through. In essence, Chase essentially stole my money and shutdown my account because of an accident I made. They are ruthless and utilize draconian methods. They do not care about the consumer and my attempts to explain the mistake and the situation was ignored.
Product: Credit card or prepaid card

I have tried 3 times now to get on an assistance plan with Bank of America for by credit card ending in XXXX and it's like trying to get blood from a stone. I have tried on the phone and thru online chat, and I either get the runaround or they just disappear on the chat after awhile ... this is ridiculous, I'm trying to make good amidst a pandemic and they are uncooperative.
Product: Debt collection

Harris & Harris LTD sent me 120 pieces of mail in one day for the same organization.I don't even know what's really owed because there are no dates on any of the letters sent to me and it's the same place and over.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a consumer and the original creditor, I am exercising my specified remedy. EXPERIAN, XXXX, XXXX has violated the law. This position was filled by EXPERIAN, XXXX, XXXX. According to 15 USC 1692a ( 3 ), I am the consumer, and I never gave ANY REPORTING AGENCY DIRECT written consent to report anything on my consumer report. EXPERIAN, XXXX, XXXX is failing to uphold their grave responsibility to ensure fairness, impartiality, and respect for the consumer 's privacy under 15 USC 1692c ( c ) ( 2 ). 
EXPERIAN, XXXX, XXXX violated 15 USC 1681e ( A ) ( B ) ( C ) ( D ) and is still violating the FCRA. According to 18 USC 8, I am not in debt. EXPERIAN, XXXX, XXXX violated my right to privacy as a consumer in violation of 15 U.S.C. 1681b2. EXPERIAN, XXXX, XXXX has no authority to report ANYTHING based on the information I provided. ANYTHING that makes use of my information in accordance with 15 USC 1681A. The account in question are XXXX XXXX ( LATE PAYMENT ). My consumer rights have been violated, and I am seeking restitution. If EXPERIAN, XXXX, XXXX does an investigation or reinvestigation, I want to know the names, badge numbers, and addresses of the people they speak with in order to verify the late payments. I require a signed affidavit under penalty of perjury from anyone with first hand knowledge to whom EXPERIAN, XXXX, XXXX speaks with, assuming the late payments are validated. If I do not receive signed affidavits from everyone EXPERIAN, XXXX, XXXX contacts, I want all late payments removed from my credit profile as soon as possible. Please send everything to my registered address.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I reached filed a dispute with the Credit Bureaus due to inaccuracy on my Credit Report these accounts below In accordance with Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights and failed to do or provide a thorough investigation within a timely matter or legal which is not only disappointing but unfair to me as it impacts me on the daily. 
15 U.S.C 1681 SECTION 602 A states i have the rights to privacy 15 U.S.C 1681 SECTION 604 A Section 2 : States a Consumer reporting agency can not furnish a account without my written instruction Dear : To Whom Receives this letter This Letter is to dispute billing errors I found for the amount of {$5800.00} and {$710.00}. I do not recognize these charges and want these off of my credit report. It's an improper charge which I do not recognize and isnt valid. Please update and remove this inaccurate debt off my report. Due to debt error of this unknow fraudulent bill on my Report in collections. Its put a hold which I didnt realize until I looked into my Report Summary and notice a bill of {$5800.00} and {$710.00}. I need this to be resolved removed and updated. Due to the fact of this debt does not belong to me, I dont recognize or authorized it and want it removed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please send me a Copy of my credit report with any updates done or inaccuracies corrected updated removed or validated to the address i have listed. thank you and hopefully we can resolve these inaccuracies in a timely manner due to the impact it has caused me and i hope this will be addressed and corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have XXXXcomplained times. The problem has not been resolved. my fico has me at a credit score over XXXX transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 120 days straight with transunion i spoke to a representative agent name XXXX and XXXX XXXX and XXXX and XXXX and XXXX and XXXX XXXX from the fraud department they don't help waste ever and lie saying that its been disputed but come to find out was never disputed which is causing me more XXXX I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution.next step is to take transition to court to sue for defamation of character of my name and damages that was caused to me They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 120 days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 87 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX now. nobody helping me and I don't wan na live no more i cant get aproved for anything which is casing me even more XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Identity theft and XXXX trying to collect on it. Promissory note has wrong spelling of name on it and fraudulent signatures. Contacted XXXX and they did nothing about it for two months. Sent certified letters but they keep ignoring it and wont take these off my credit report
Product: Debt collection

I was hospitalized in a XXXX  XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX. My bill was {$1400.00}. I began paying this and made arrangements with them to pay $ XXXX month out of my XXXX check. I made two payments, one in XX/XX/XXXX and one in XX/XX/XXXX ( check photos attached ). 

They sold this debt, despite our agreement and my payments, to Grant & Weber debt collectors in Nevada.

I have also made several payments to Grant & Weber, including over half the original debt, using my stimulus moneys. Nevertheless, they send me an aggressive, untrue statement ( attached ) and had refused ( as of XX/XX/XXXX ) to make note of my telephone agreement with XXXX XXXX to pay said $ XXXX, including threatening to report me to credit bureaus even today ( XX/XX/XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

See attached documents, also pursuant 15 USC 1666 late payments should not be reported so I am requesting late payments be removed from my consumer report.
Product: Mortgage

The lender incorrectly has some of my charges and payments tagged as late. All my payments with the lender have been paid on time. I have asked the lender to correct this and have all charges and payment history marked as current in all places : including but not limited to lenders systems, statements posted for my download on lenders portal accessible by me, and all credit reports. This is not yet done.
Product: Checking or savings account

So my friend had asked me to cash their check for them that it would help to bond them out of jail and that they didn't have an ID and so XXXX mobile deposited the check after they signed it over to me just for Chase Bank to freeze my account, something about third party checks and fraudulent activity, so after calling them numerous times about this they said that they needed to verify my friends identity & that my friend had indeed signed the check over to me. I had to explain to them how my friend was XXXX XXXX jail & I would have my friend call them but they said that was unacceptable that their verification process consist on them calling my friend directly, but since my friend is XXXX XXXX jail and there's no possible way that they can call to verify this they said that my checking account would be closed and my friend wouldn't see the money. So, I went into Chase Bank to get my paycheck which was direct deposited into my account and they took my card and shredded it. Now I guess my friends XXXX as far as the money goes and it's unfair. This is straight XXXX