23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My original mortgage payment was {$1100.00} and was adjusted to {$1500.00} due to a shortfall in my escrow. It was discovered that Caliber paid taxes on two parcels one ending inXXXX and the other ending in XXXX. Parcel ending in XXXX does not belong to me. It is on record as belonging to me neighbor. Parcel ending in XXXX was paid by Caliber home loans in the amount of XXXX. As a result mortgage was increased to cover the escrow deficit. When I was contacted by Calibers debt collection agency for a late payment I took action to try and have the issue rectified. I had a research request in to remove the tax parcel that I do not own. After about 3 months the parcel was finally removed. Caliber home loans then readjusted my mortgage to {$1200.00}. Caliber home loans stated that I still owe the additional money that was dispersed for the wrong property tax. Every payment I made of the {$1100.00} each month did not cover the billed amount, due to not being the " complete '' amount it was put in a holding account until the entirety was paid of the increased billed amount. Causing me to have late payments every month. Caliber told me that I could dispute the late payments with the credit bureau but they would not adjust my payments to show that I was not late due to the fact that I did not pay their increased billed amount due to their error.
Product: Credit card or prepaid card

I closed my credit card on XX/XX/XXXX after getting fradulent recurring charges appearing on it even after reporting the issue everytime and then getting the card blocked to get a new one. 
While closing the credit card, I had yearly membership fee of {$500.00} for the year XXXX along with {$65.00} worth of purchases I had made. I was told that after I pay the purchases, I can cancel the card as the fees will be reversed. Now after being charged interest and late payment fee on the yearly membership fee, the oustanding amount has reached {$610.00}. On every call with customer care, I have been told that the issue has been handled and that there is no action needed from my end. But still every few days, I get call/email asking me to pay the outstanding. Today after being on call for 50 mins where I was transferred from collections dept to customer care and then to security and then back to customer care, the issue remains the same. 

I finally got hold of customer care representative over chat and he mentioned that I will have to pay the fee which will then get refunded. I asked him to provide me this in writing because this was not told to me when I cancelled the account, to which the person said that because of security reasons they can not give this in writing. I have taken screenshots of the said conversation as evidence because no one seems to be willing to answer/clarify but rather seem to be interested in bouncing off the calls from one department to another.
Product: Credit card

On XX/XX/year> my wife and I reserved a car in XXXX through XXXX and XXXX XXXXXXXX as the vendor for the reservation. The total we were quoted was {$180.00} USD and {$31.00} was paid up front. Upon my wife 's arrival to XXXX, the vendor tried to convince my wife to add on additional packages. She declined and DID NOT sign anything agreeing to extra packages. We received a copy of the contract as proof of this. However, the vendor added the extra packages and forged my wife 's initials in the areas noting agreement for the added packages. I opened a dispute for the difference between what the vendor charged us and the {$140.00} we were supposed to pay upon pick-up. Chase has found every route possible to avoid finding the dispute in my favor. They first closed the dispute because I already received a credit ( this referred to the credit around gas since we returned the car with a full tank ). After a phone call, Chase acknowledged the mistake and re-opened the dispute. Another 2-3 closing and re-opening of the disputes and Chase has once again ignored the fraudulent activity of the vendor. I have provided numerous documents multiple times and Chase continues to close the dispute and re-open it. Chase needs to resolve this dispute in my favor because the facts of this are extremely obvious.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$17000.00}. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX XXXX purchased my mortgage servicing from XXXX XXXX XXXX XXXX XXXX on XX/XX/2022. XXXX is not reporting that they are my new mortgage servicer and XXXX is showing the account as closed. This caused my score to drop XXXX points as of XX/XX/2022. I have spoken with them several times about this matter and they are basically telling me they are not going to report anything for 60 days. From what I read, the law just states that they can't submit anything negative to my credit for 60 days. They blamed the credit bureaus saying that they jumped to conclusions when XXXX showed the account as closed...??? 
Please note that I have already made XXXX timely payments to XXXX for XXXX 2022 and XX/XX/2022. 
I also reached out to Transunion, XXXX, and XXXX with no luck in solving this problem. They just keep telling me that the account is not delinquent and everything is ok the account is closed. I keep trying to explain to them that the account is not closed, it has been sold. Showing it as closed is hurting my score.
Product: Debt collection

CREDIT COLL ACCOUNT NUMBERs : XXXX XX/XX/XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you CREDIT COLL or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : CREDIT COLL or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX SOC SEC # *********** DOB XX/XX/XXXX ADDRESS XXXX, FL XXXX
Product: Debt collection

No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been XXXX  months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been XXXX months and no information given. No medical release to collect on this debt either
Product: Mortgage

We are writing to request the information described below in regard to the mortgage on my property at, XXXX XXXX XXXX XXXX XXXX, Il XXXX. 

PLEASE PRODUCE ANY and ALL DOCUMENTS that evidence YOU acquired ownership of the SUBJECT LOAN when Washington Mutual Bank, XXXX, IL failed. 
PLEASE PRODUCE ANY and ALL DOCUMENTS that evidence ownership of SPECIFIC SUBJECT LOAN was sold as part of certain assets acquired by JPMorgan Chase Bank, N.A. on XX/XX/XXXX. 

PLEASE PRODUCE ANY and ALL DOCUMENTS that evidence servicing rights for the SPECIFIC SUBJECT LOAN was sold as part of certain assets acquired by JPMorgan Chase Bank, N.A. on XX/XX/XXXX. 

PLEASE PRODUCE ANY and ALL DOCUMENTS that evidence the SUBJECT LOAN appeared on the financial statement ( s ) WASHINGTON MUTUAL BANK, XXXX, IL, between XX/XX/XXXX to XX/XX/XXXX. 

PLEASE PRODUCE ANY and ALL DOCUMENTS that evidence the PURCHASE & ASSUMPTION AGREEMENT between the FDIC-R and JPMorgan Chase Bank, N.A. included assets of WaMu XXXX XXXX XXXX. 

PLEASE PRODUCE the guidelines as established by YOU as to when and how JPMorgan Chase Bank, N.A. could, by power of attorney, transfer any ownership interest in the SUBJECT LOAN, SUBJECT NOTE, or SUBJECT DEED OF TRUST. 

PLEASE PRODUCE the power of attorney issued by YOU to JPMorgan Chase Bank, N.A. specific to the SUBJECT LOAN, SUBJECT NOTE or SUBJECT DEED OF TRUST.
Product: Checking or savings account

Saturday XX/XX/2019, I tried to deposit money into the OUTSIDE Regions ATM where the machine proceeded to snatch {$300.00} of my money and spit it out. I then tried to straighten out the bills and reinserted the {$300.00}. The ATM screen then turned Black and said shutting down. The atm machine still had both my card and the {$300.00}. It rebooted and kept both my card and the {$300.00}. No one knows how to fix this and I want my money. We are now on the verge of losing of losing things
Product: Credit card or prepaid card

I have a loan with XXXX XXXX XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and XXXX XXXX XXXX XXXX with no successful resolution. XXXX was the only one reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX-XX/XX/XXXX, XX/XX/XXXX / XX/XX/XXXX-XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my XXXX, XXXX and Transunion consumer report and I noticed some inquires on my consumer report that I did NOT authorize and NOT attached to any open accounts. 
XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX, XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XXXX. XXXX, XXXX
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 XXXX XXXX  Account Number XXXX XXXX Account Name : XXXX  Account Number : XXXX  Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXXXXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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: Debt collection

XXXX XXXX  added a false collection amount to my credit saying I owe them {$820.00} when they indeed owed me a refund of {$270.00}. I called and spoke to both progressive and receivable management and they admired the error on progressive part. The agent said she will Put a check in the mail for my refund as I was able to prove I had another insurance at that time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I can not believe that you did a proper investigation of these accounts, before, during or after you sent my account information anywhere else. You should have found these obvious inaccuracies on my credit report. A credit account can not be both open and closed. Tell me how this is and why you continue to damage my credit with these obvious oversights? After my request for a line by line investigation of the accounts listed below you still did not make note of the inaccuracies, which is a violation of my federally protected rights. These accounts are inaccurate and must be deleted : XXXXXXXX XXXX  XXXX Account # XXXX was deleted from my XXXX and XXXX credit reports, and XXXX XXXX XXXX Account XXXX XXXX was deleted from my XXXX credit report XXXX These inaccuracies on my credit reports is very damaging to my credit, and I need it corrected asap. In Accordance With ( XXXX ) 15 U.S. Code 1681i - Procedure in case of disputed accuracy, ( D ) Automated Reinvestigation System ; Any consumer reporting agency that compiles and maintains files on consumers on a nationwide basis shall implement an automated system through which furnishers of information to that consumer reporting agency may report the results of a reinvestigation that finds incomplete or inaccurate information in a consumers file to other such consumer reporting agencies. XXXX the Fair Credit Reporting Act, these accounts are in violation of my rights. 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 : States a consumer reporting agency can not furnish an account without my written instructions. I gave neither one of these companies written permission to furnish my account information.
Product: Student loan

I went to school through XXXX university with them saying what great opprotunities I would have to use my degree in XXXX. Once I graduated and realized I could not use my degree in my field through there school I tried to go back to school for a different degree but most of my credits would not transfer to a different school. After I was out of school my ones have went through XXXX XXXX and now Navient and I am currently on the income based repayment loan for the past year. However my loans for school that I can not use my degree is growing nterest and I will not be able to pay them with this option the offer with all the interest they add on. My loans went into forbidden e when it switch over frthe m XXXX to navient and I was not contact. I have several student loans from navient fed loan and dept of ed on my credit report and is hurting my credit and all seperate XXXX total loans and therefor can not even get a home for my family due to even when I dispute these they come back mine. While I was a n school they never told me how many loans I would need to take out or the interest I would have to pay and how it would ruin my chances of providing for my family using there school to get my degree because nobody will hire so, done for the XXXX in there school. I haven been given a run around trying to get my transcripts and contacting the school which is not listed in your down list below so I click the closest campus even though I did not go to a campus I attended XXXX online
Product: Credit reporting or other personal consumer reports

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of
this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.
Product: Credit reporting or other personal consumer reports

Dear Rent Bureau, Transunion Rental Screening Solutions, Equifax I am writing to request a copy of my rental screening report as permitted under the Fair Credit Reporting Act ( FCRA ). Please provide me with a copy of any tenant screening report or rental history information you have on file under my name.

Below is my identifying information to assist in locating my records : Full Name : XXXX XXXX XXXX of Birth : XX/XX/year> Current Address : Attached Social Security Number : Attached Please send my report via email or provide instructions on how I can access it online. If you require additional information to process this request, please contact me at XXXX Thank you for your time and assistance. I appreciate your prompt response. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letter to court house asking them do they release information to the credit bureaus and they responded with no they don't give out information to credit bureaus. On XX/XX/2021 I sent Equifax a letter disputing the validity of the bankruptcy they are reporting on my credit report. They responded stating that they " verified '' it through XXXX XXXX. I went directly to XXXX XXXX to dispute the item in question and XXXX XXXX could not verify this item so they deleted it from their database. 

I then went back to Equifax on XX/XX/2021 and showed them the deleted bankruptcy from XXXX XXXX informing them that if they could not reveal how they truly verified this item then it needs to be deleted according to the FCRA. They have once again refused to delete the item which is imploding on my ability to purchase a home and causing me to pay thousands more in interest every year. 

This item needs to be deleted from my credit report if it can not be verified within 30 days.
Product: Credit card

I am only intermittently able to access the synchrony bank website for dicks sporting good. Out of the last 7 days I have only been able to access the online portal 1 time yesterday, using the correct user name and password. I am told every time that my username was n't recognized but I have typed it in correctly and it 's the email that they send all my information to. I also tried to use my account number to reset my user name and password and it was not recognized either. When the website is working I use that same user name and password and it works, the first time. I even mailed in my payment to ensure it was received by the payment date but now that it 's my payment date I am unable to log onto the website to make sure. They do not have any message up that saying that the website is down. This seems more like a systematic thing keeps happening to deny consumers routine access to the only free way for me pay the bill. If I am unable to make sure my payment was recieved today and pay it again if it was not yet, I will be charged a {$35.00} late fee and my interest rate will go up.
Product: Debt collection

Since XX/XX/XXXX, I have been making monthly {$120.00} payments on student loans owed to Campus Partners/XXXX XXXX that were sent to XXXX XXXX XXXX XXXX for collections. 

My XXXX credit report lists the following for the three loans in question : 1. Opened XX/XX/XXXX Recent balance {$6900.00} as of XX/XX/XXXX {$800.00} past due as of XX/XX/XXXX 2. Opened XX/XX/XXXX Recent balance {$3400.00} as of XX/XX/XXXX {$710.00} past due as of XX/XX/XXXX. 
3. Opened XX/XX/XXXX Recent balance {$9100.00} as of XX/XX/XXXX {$1000.00} past due as of XX/XX/XXXX I have contacted XXXX XXXX XXXX on several occasions to request detailed information about precisely how the {$120.00} payment is applied to each loan -- how much to the principal, how much to interest and how much to any penalties and fees -- and how each loan balance is changing based on how the payment is applied. 

On XX/XX/XXXX, via email, I received the following information : Your remaining balance is {$26000.00}. You have already paid a total of {$1100.00} towards your account. 

Original amounts : XXXX XXXX XXXX Late fees and interest and principle XXXX method On XX/XX/XXXX, I asked again for details of how payments are applied. I received the following via a phone conversation. They told me it was part of their internal system/calculated internally and they could not print out or send me a PDF of this information. : 7.5 % - Affiliated Loan Program XXXX, {$1.00} interest 7.5 % - Affiliated Loan Program XXXX, $ XXXX 7.5 % - Affiliated Loan Program XXXX, {$1.00} interest Original amounts : XXXX XXXX XXXX Late fees and interest and principle XXXX  method I have been provided no written or verbal details of what the fees and penalties are or how they are calculated. XXXX XXXX XXXX has provided no written statements or regular correspondence on company letterhead regarding how payments are applied, penalties, interest or fees.