23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Our mortgage payments were {$1500.00}, in XXXX 's bill it showed that the new payments would be {$2800.00} is including a {$1400.00} escrow amount. In the month of XXXX, I called the mortgage company and asked why my payments went up so high, representative indicated that property taxes and homeowners ' insurance had gone up and recommended I call the county to confirm the amount. In the beginning of XXXX, I went to the county to confirm that the amount for XXXX is {$5600.00} this would make my payments {$460.00} a month added to the escrow. The homeowner 's insurance is {$2300.00} for the year making my monthly payments of {$190.00} added to the escrow for a total of {$660.00}. My principal amount is {$710.00}, and my interest is {$650.00} so my mortgage payments should be {$2000.00}. I then contacted mortgage company to find out why they were demanding {$40000.00} now, and why are they adding an additional {$8900.00}, adding an additional {$710.00} to my mortgage payment. The representative was able to confirm the charges but wasn't able to provide me the source of the charge, he had me on hold for a while and did say that this were charges that came from corporate, and they wanted their money back. He also said that this was based on something they paid back in XX/XX/XXXX, however he was unable to give me a clear answer, as to what was paid why is it my responsibility to pay. I explained to him that I have no documentation that makes me and wife responsible for the fees, I requested an italicized bill and I also had sent several emails requesting to have my escrow reviewed because the amount was not adding up.
Product: Credit reporting or other personal consumer reports

Im disputing information on my credit report. Pursuant to FCRA 605B Im including exactly what youre requesting. Proof of my identity, accounts which are involved with the theft & a copy of a completed & submitted FTC identity theft report. Im complying with the letter of the law & what youre required to have to honor my 605B request. 

XXXX XXXXXXXX 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 XXXXXXXX
Product: Credit reporting or other personal consumer reports

I AM SO DEVASTATED CURRENTLY AND XXXX. I recently discovered that I was listed as part of the XXXX data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in XXXX business days.
Product: Mortgage

On   XXXX   XXXX  , 2017 Chase bank sent me a letter : " The total payoff amount due for your mortgage is {$14000.00}. This amount is good through  XXXX / XXXX /2017.
On   XXXX   XXXX  , 2017 I went to Chase Banks branch #   XXXX   to pay off my mortgage #   XXXX   and paid {$14000.00}. However as of my mortgage was transferred to   XXXX   XXXX   XXXX   XXXX   on   XXXX   XXXX  , 2017, and Chase bank had reported to a credit report that my account was transferred to another service, this is incorrect. I keep calling to Chase bank to complain this matter and always get the answers : '' Your mortgage was transferred to   XXXX   XXXX   XXXX   XXXX  , not on Chase bank so we can not do anything to help you ''.
This is very frustrated any time I called them, please help me to solve this problem.
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Regards
Product: Credit reporting or other personal consumer reports

I've been trying to understand why my credit applications keep getting turned down, and I was shocked to find out that my credit report contains numerous inaccuracies and false information. Dealing with these errors has been incredibly stressful and has had a significant impact on my XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, XX/XX/2019, and XX/XX/2019 I was rejected for credit because my Experian credit account was frozen. Three times I have followed their online process to temporarily thaw my credit report for 30 days so I can apply for credit and each time the response from Experian is that the report is not frozen. When I reapplied for credit, I received the same rejection for the same reason : credit report is frozen. I did not have this problem by thawing either XXXX  or XXXX. 

Now, my credit is damaged because I have two hard inquiries within 6 months on my credit reports. No matter what I do Experian tells creditors my account is frozen when it is not. 

Thanks.
Product: Debt collection

Radius Global Solutions placed negative item on my credit report without notifying me, which is a clear vilation of the early-warning notice clause of FACTA section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit report. Request Radius Global Solutions to remove incorrect information off my credit report. More importantly, Radius Global Solutions are in violation of FACTA section 623 ( A ) ( 7 ). 




Balance {$210.00}
Product: Credit reporting or other personal consumer reports

I am mentally unstable, and i can not get the medical help that I need because I'm being declined due to my low credit scores. All because the company did not check whether or not they are reporting accurate information in my credit file.
Product: Credit reporting or other personal consumer reports

XX/XX/year> XXXX Equifax XXXX Re : Request for Damages pursuant Fair Credit Reporting Act ( FCRA ) due to willful negligence According to my records of previously submitted disputes/documents via USPS, CFPB, and/or your online portal, you were in receipt of my prior communications and were obligated by law to take investigate my claim for action within 30 days of receiving notice of dispute. Knowing that this is a lawful obligation of yours, you both knowingly and willfully failed to delete the disputed information. Additionally, you have not communicated any probable error that would prevent you from completing this as everything that is NEEDED to fulfill my request was included in my initial dispute. There was no cause for you to stall or reason for you to stall, procrastinate, or refuse your duties. 

Therefore, I am now demanding the immediate removal of the disputed information. Under the provisions of the FCRA, you are also liable for damages, as outlined in 15 U.S.C. 1681n-1681o. In addition to removing the disputed information, you are required to issue a payment of {$1000.00}, made payable to my name as indicated in the letterhead above. For your convenience, I have included a completed IRS W-9 form to assist with your accounting or legal tax obligations.

I want to be explicitly clear that this is not a notice or attempt to start a new dispute. Ive already tried to rectify this affair with you. By law, you are only allowed 30 days from day of receipt to dispute, and that time has since elapsed.
Product: Debt collection

Optimum Outcomes, a collection company in North Carolina, has twice made false statements in an effort to intimidate and harass. First, it indicated it would seek a judgment in this matter, while at the same time offering to settle. Second, it alleged I did not submit my request for verification within the 30 day window. That is not true.
Product: Student loan

my original loan with XXXX  was never serviced correctly I was chorused by associates to go into a forbearance plan instead of being told about other options. I've occurred more interest the normal on these loans
Product: Credit card or prepaid card

I am writing to you regarding a disputed charge on the referenced account. I ordered a bedroom set from a merchant " XXXX XXXX '' on XXXX/XXXX/2019, and they charged my " Synchrony Home Credit Card ''. I was promised delivery for the Bedroom Set on XXXX XXXX, 2019. 

First and foremost, XXXX XXXX was not authorized to charge my account until the merchandise was confirmed in-stock and ready for shipping. 

On XX/XX/XXXX, I was I was informed that the set was delayed until XX/XX/XXXX, then subsequently was told that they were unable to deliver the set as it is no longer available. 

I told XXXX XXXX, to cancel this order, and issue a refund to my Synchrony Home Credit Account, which should not have been billed in the first place, as they sold me furniture that was not available. 

On XXXX XXXX, 2019 I went into the store and they told me that they processed a full refund to my Synchrony Home Credit Card Account. After multiple calls to the store and Synchrony Bank, XXXX XXXX was telling me that they submitted the refund and placed the blame on Synchrony Bank being slow to post refunds. Synchrony Bank advised me that there was no refund issued, not was any refund pending. 

As a result, I disputed this charge as the merchandise was never delivered as promised and no refund was ever issued. Further, XXXX XXXX was not authorized to charge my card, until the merchandise was shipped. 

Synchrony bank closed the dispute in the merchant 's favor stating that they issued me a refund on a different credit card which is untrue, and the merchant nor Synchrony Bank are able to provide any supporting documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCOUNT IS PAID IN FULL. REPUBLIC FINANCE IS SUBMITTING TO XXXX THAT THE ACCOUNT IS A CHARGE OFF. THE PAYMENTS WERE SENT TO XXXX, XXXX, AND XXXX
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Transunion credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX  XXXX XXXX : {$0.00} XXXX XXXX XXXX : {$0.00}
Product: Debt collection

The amount they are attempting to collect is the wrong amount and the debt doesn't belong to me. My name is XXXX XXXX XXXX and the the bill is in the name of XXXX XXXX XXXX
Product: Prepaid card

i got a prepaid amex gift card from work. 
I tried using it online. 
the card was declined, although it did show a XXXX cent authorizing / verification charge every time i tried to use it.. 

This is a amex card, accepted anywhere amex is accepted. but it was declined. 

-It was accepted *locally when i physically swiped it. but, there are things that I would like to purchase that can only be done online ; ie XXXX. 

I called, and amex rep said that i should wait XXXX hours, and it should work fine. 
-I did wait.

It did not work.
Product: Credit reporting or other personal consumer reports

This inquiry is not associated with me, I urgently request that they be removed from my credit report. 
XXXX Date of inquiry : XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made several attempts to solve this matter with the company and the credit bureau Experian with no success. I have filed a police report for fraudulent account and the company still continues to report this account on my report incorrectly. I have been disputing this for years.
Product: Credit reporting, credit repair services, 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 COMMISSION to file a report. Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents including my FTC Report to assist in the blocking of the erroneous information which 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, MA XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX  Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX  Inquiry Date XX/XX/XXXX XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX
Product: Debt collection

For the past week I have received calls from XXXX XXXX XXXX XXXX. Calls would come in everyother day with the exception of the past XXXX days. The past XXXX days have been everyday. Each time they called XXXX in a row. When I answered each time they hang up. Finally yesterday XXXX XXXX XXXX 2015, after getting hung up each time i answered, I called back to see who it was. The Company is called Bay Area Credit Services. The guy who answered wanted me to give him my social, I declined to shre that info with him and he declined to tell me the reason for their numerous calls to me. So i then told them to CEASE AND DECIST all calling to me. They promised to quit calling. This morning at XXXX, they did it again. So I called back and spoke with a " XXXX XXXX '' who advised me that his supervisors name was a " XXXX XXXX ''. He confirmed that yesterday I requested calls to stop, but then he began to argue with me as to what I meant. When I told him to Cease and Decist all calls, he said that it would only pertain to the XXXX phone number they reached me at. I am no Rocket Scientist but when someone says to Cease and Decist all calls to me, that should mean to quit calling me and communicate with me by other means such as by mail. I have yet to receive a letter of confirmation for a debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I verified this account on XX/XX/22 with Trans union. My file number is XXXX. To remove this account from my credit report. This account is closed and old at this time 15 USC 1681i section 602 A states that I have the right to privacy 15 USC 1681 SECTION 604 A SECTION 2 IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURISH A CCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Product: Credit reporting or other personal consumer reports

My account with ( DEPTEDXXXX ) was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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. 


( DEPTEDXXXX  ) 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

On XX/XX/year>. I sent the CFPB a complaint in about XXXX and XXXX of the accounts held under that bureau. Little did I know that Transunion would get word of that complaint and take shocking actions to cover up the inaccuracies they have been verifying and updating incorrectly for months. A third-party monitoring service gave me some sense that there was a problem with my XXXX and Transunion credit reports. There was no data reporting under XXXX or Transunion. I tried calling both companies and XXXX stated that information on their report was being disputed, so I figured it may be the CFPB complaint I sent in concerning XXXX. Next, I called Transunion and was told that a creditor had created a separate credit file and that I needed to call all my creditors to see who did what. I explained that sounds crazy, and you are sending me to correct your internal issues. So, I told him I would get back to TransUnion, once I figure out what is going on. Two days go by and i get a notification from XXXX XXXX, and when I checked the account ; I was horrified! I have never seen such an empty credit report ever in my entire life so bare! All Inaccurately reporting accounts deleted, but so did they delete my positive open and positive closed accounts as well. I was left with one account, and I was not given any notice that a dispute was being conducted or had been approved by me to be done. Transunion took action to save face, to prevent this information from ever getting to the public. so it seems that Transunion took it upon themselves to conduct an investigation of some sort and delete my whole credit file ; leaving me with one account started last then a month ago, I truly think Transunion was trying to cover up the mistakes they have conducted in the past, and hoped the CFPB would not get wind of what they had done to me in secret! My trust in the banking system has been shaken to its core, with the recent actions of TransUnion. I just hope the CFPB has the power and integrity to hold TransUnion accountable for all of the violation against me a consumer, and for all the FCRA laws they are breaking still in my case. Now my credit is being impeded and my ability to obtain any credit is hampered, because TransUnion has decided to even delete my good standing accurate accounts. When you see the XXXX XXXX evidence, that I will present with this complaint ; I think you all will draw the same conclusion I have. That TransUnion 's motivations for what it has done to me purposefully is self-preservation simply put!
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts have incorrect information with all 3 credit bureaus : - XXXX XXXX XXXX ( Account Number : XXXX ) : Has incorrect dates of first delinquency. Experian has date of XX/XX/XXXX, XXXX has date of XX/XX/XXXX, XXXX does not have this information. XXXX and Experian also have incorrect payment histories throughout their filings. 

- XXXX XXXX  ( Account Number : XXXX ) : Has incorrect past due dates starting from XX/XX/XXXX through XX/XX/XXXX. Experian has past due days of XXXX in XX/XX/XXXX, XXXX has past due days of XXXX in XXXX. Experian has me in good standing as of XX/XX/XXXX, XXXX has me in good standing as of XXXX XXXX and Experian also has incorrect payment histories throughout their filings. XXXX does not have this information. 

- XXXX XXXX ( Account Number : XXXX ) : Has incorrect past due dates starting from XX/XX/XXXX until account close date. Many inaccuracies throughout payment history. Experian 60 day past due in XX/XX/XXXX, XXXX has 30 days past due in XX/XX/XXXX. Experian has me in good standing from XX/XX/2018XX/XX/2019XXXX has both 30 day and 60 days past due days in the same time span. XXXX and Experian also have many other incorrect payment histories throughout their filings. XXXX does not have this information.
Product: Debt collection

XXXX XXXX XXXX has been attempting to collect a debt from me for 2 credit card accounts I acquired while in the XXXX. In XXXX I was XXXX due to injuries I sustained during my time there. At that time these accounts were closed with balances of {$1100.00} for account # XXXX XXXX XXXX XXXX and {$930.00} for account # XXXX XXXX XXXX XXXX. In XXXX my entire tax refund was offset to pay the balances of the 2 credit cards accounts, as well as part of a student loan. Shortly after that a representative from XXXX XXXX XXXX contacted me regarding a debt they said I owed which at that time they said was {$2100.00}. I requested documentation proving the amount owed because my tax returns had been fully garnished paying a total of {$3200.00} towards the XXXX XXXX. One on XX/XX/XXXX for {$1800.00} and the other on XX/XX/XXXX for {$1400.00}. I then received documentation from them for a XXXX XXXX whom I had absolutely no knowledge of. After discussing this at length with them they said they were submitting it to the fraud department, however, I then started receiving invoices for 2 credit card accounts with different account numbers and balances stating I owed over {$4000.00}. I contacted them again and tried to explain that the debt was not mine, they advised me that it was being investigated by fraud and that it was going to take time. After researching and acquiring more information I showed them proof that the 2 amounts I owed at the time my taxes were offset was the amount they are showing I owe subtracting the interest they have been charging me for the past 2 years. 

I have provided them with proof that this debt has be paid, however, while in dispute it's been crushing my credit and they still have a lien against my tax refund so I have not been able to file my taxes for 2 years. Every time I called them they would say it's being investigated and it will take time. Now that I sent the letter and proof the debt has been paid in full they say they are waiting for a response from Army & Air Force Exchange Service and it will take time, but I need to get this taken care of so I can move on.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit Reporting act. the list of accounts below has violated my federally prortected consumer rights to privacy and confidentiality under 15 usc 1681. 
account name XXXX XXXX XXXX XXXX account name XXXX  XXXX XXXX XXXX XXXX XXXX XXXX. account name XXXX XXXX XXXX account name XXXX XXXX XXXX XXXX XXXX  has violated my right to privacy. 15 usc 1681 section 602 A. states i have the right to privacy. 15usc.C 1681 secction 604 A section 2 ; it also states a consummer reporting agency can not funnish 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 imformation any other adverse item of imformation, other than records of conviction 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 anformation relating to a consumer any consumer reporting agency if the person knows reasonable cause to believer that the information is inaccurate.
Product: Credit card

Huntington bank charged me a late payment fee of {$37.00} on my Huntington XXXX credit card, although my ACH payment was made and processed a day prior to the due date of XXXX. 
on XXXX I initiated an online ACH payment for {$150.00} towards my XXXX credit card. However, on XXXX their is a late payment charged to my account ( see attached )
Product: Debt collection

Payment demanded by TrueAccord for a debt with XXXX on behalf of XXXX XXXX XXXX. 

I've never had an account with XXXX.