23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am writing to formally address a serious concern regarding a violation of my rights under the Fair Debt Collection Practices Act. Specifically, the company has not provided the necessary validation information as required by 12 CFR 1006.34 ( b ) ( 5 ) despite recently placing a collection account on my consumer report. 
I have made several attempts to resolve this matter directly with your team, but unfortunately, I have not received a satisfactory response. As a result, I believe my rights are being violated. 
Under the law, I am entitled to {$1000.00} for each violation. Please remit this amount or delete the accounts in question from my consumer report immediately. 
I appreciate your prompt attention to this matter and look forward to your response.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 TransUnion LLC has failed to truly do an investigation and have denied me my rights to dispute, this inaccurate, incomplete, unverifiable, or was option as a result of identity theft, account/report data listed below. This has been done in violation of 16 C.F.R. The Gramm-Leach-Bliley Act, The Fair Billing Act, The Fair Debt Collection Practices Act, The Fair Credit Reporting Act and State Laws. 

See attached documents.
Product: Mortgage

This is my 3rd complaint filed against Caliber. On XX/XX/XXXX my mortgage was transferred to affiliate company XXXX. Since the transfer date, it has been very difficult for payments sent and confirmed they were sent by XXXX to be transferred to XXXX. These two companies are connected and any correspondence is easily relayed regarding these complaints. However payments being transferred is a different story! According to XXXX both XXXX XXXX payments were sent to Caliber both on the first of each month. I have sent in an escalation to XXXX in regards to missing payments in XXXX. I was notified that XXXX received one payment from Caliber on XX/XX/XXXX and was in the process of posting it. They never posted the payment until XX/XX/XXXX. When a payment was posted and applied to XXXX. I am still unsure if this was a transfer payment sent to Caliber for XXXX or a current payment sent to XXXX for XXXX. Shellpoint Customer service is unsure?? According to XXXX customer service they state their hands are tied as to where XXXX payment is and when it will be transferred and also XXXX payment. They confirmed they have escalated this issue to Caliber as to missing payments not being transferred and advised it can take up to 60 days for everything to smooth out and payments being posted. It has been over 60 days and Im now receiving a threatening letter from XXXX for foreclosure if not paid by XX/XX/XXXX. This is unreal as it was not an issue to post these payments prior, they may have been posted late towards the end of the month but were eventually posted with no issue. Now that they transferred mortgage to there affiliate company ( due to me being on XXXX assistance ) they have lost the payments and no one in both companies can find. Not only will I be filing this complaint, I will also be filing a complaint with The Department of Treasury, for misuse of funds, the XXXX  and also my State Senator!
Product: Credit reporting

In XX/XX/2014 the VA Child Support division conducted an investigation into acct # XXXX and determined that the item should be removed from my credit report as I was never behind in payments. Even though the CRA XXXX was in compliance with removing this item, Experian failed to remove the item from my credit report. This has caused unjust damage to my credit report as creditors view this item as adverse. This item must be immediately deleted as according to the investigation conducted in XX/XX/2014.
Product: Credit card or prepaid card

Pertaining to 15usc1692 the company have been violating my rights and issuing a debt out to me that i dont owe. Also i contact them and place a cease & desist order for them to stop contacting me and they continued to do so by sending me emails about a debt i dont owe and a closed account. They have violated my rights multiple times
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and transunion are reporting credit inquires on my account i do not recognize and that were never initiated by me. I have mailed a letter to all 3 bureaus requesting them to investigate and remove these inquires from my account.
Product: Mortgage

My name is XXXX XXXX. I own my house XXXX XXXX 1998 and never missed a paiement. Recenlty my mortgage loan has been sold to a new company, Volunteer loan mortgage servicing. It has been more than 6 months and this new company havent reported my mortgage loan to the credit bureau and it is hurting my credit report. I told them about the issue and they promise me that they would fix it but still nothing. I am applying for a home loan refinance but when my credit report was pulled my mortgage loan did not show. Thank you
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I went to a car dealership XXXX, la to purchase a vehicle, I was unaware that after me being declined by the XXXX XXXX, This dealership would continue to shop my credit information around to other lenders without my knowledge and after I had left their place of business. The result of the auto dealer practices has caused unnecessary burden on my personal and business finances, I walked into the dealership with a XXXX credit XXXX XXXX and discovered a week later my XXXX XXXX had dropped to XXXX.
Product: Debt collection

this company tried collect debt is no mine this company no provide any proof this deb dint have any agreement with them dont have any concernt for share my personal information with them please investigate soon possible
Product: Credit reporting, credit repair services, or other personal consumer reports

I actually messaged them and asked very nicely to close my account. And to use the secured portion of the deposit to pay the bill. After I asked them I forgotten about it. Well it seems that they took it o themselves to keep it open and before I realized that it was still open they had already had 5 or 6 late 30 60 or more days late. I had to message and ask if they would remove the late marks as I felt it was their fault and they refused. They have caused me great distress and a bad XXXX as I have worked really hard to get my score up to XXXX at that point and score prolly dropped XXXX points.. They deliberately done that to cause me to be XXXX. They prob are laughing now 15 USC 1681a I states report containing information solely as to transactions or experiences between the consumer and the person making the report ; The consumer can not sue the issuer unless the consumer writes a dispute letter to the credit reporting agency first,
Product: Mortgage

What is this complaint about? 

A {$4000.00} discrepancy. 

What type of problem are you having? 

I have spoken to customer support in regards to this complaint. They have confirmed that the loan is not accurate, but are unable to physically fix it from where they sit. They advised me to file a complaint though here ( Consumer Financial Protection Bureau ) to get it properly addressed with their internal mortgage resolution department. 

What happened? 

- We received an email from XXXX XXXX on XX/XX/2020 - The email advised us that we were able to have a complementary loan analysis - XXXX was amazing through the whole process - He confirmed that there was really no downfall to refinancing because the rates were at the lowest point in US history - We discussed all of the details and he advised us to keep AutoPay for XXXX - XXXX did suggest that we remove AutoPay for XXXX due to the closing being potentially scheduled towards the beginning of it - This way, we paid {$1200.00} to XXXX, XXXX for the closing costs to act as the XXXX mortgage payment - He advised us that we would not have a payment in XXXX - The first payment we expect is on XX/XX/2020 - The concern here is that we accidentally forgot to remove AutoPay - We emailed XXXX ( our loan processor ) on XX/XX/2020 advising her that we made this mistake and wondered what was going to happen - She called XXXX the following day that she was in the office. She advised him that they had already gotten a quote for the payoff on the loan. She told him that the payment we made with AutoPay wouldnt have anywhere to go - so we would get a refund for that payment - I recently reached out to Lakeview to discuss the loan - They advised me that I would not be getting a refund for the full payment because they called in to get a new payoff amount after the XXXX payment was made. 
- During this process I spoke with another Loan Care specialist, XXXX, who stated that the total amount paid off was {$230000.00} ; including them taking {$1700.00} from the escrow to make that payment. 
- XXXX advised and confirmed that the new loan was created for {$240000.00}, which was much higher then the payoff amount. 
- I think that maybe there was some miscommunication with the total amount on the loan from when we were initially quoted back in XXXX. However, that shouldnt have been missed because some people cant afford mistakes like this to happen .... 

RESOLUTION SUGGESTION : Since the loan was created for a larger amount then what was actually paid off, we would like to receive a refund of the {$4000.00} difference. 


What company is this complaint about? 
XXXXLakeview Loan Servicing Who are the people involved? 
XXXX XXXX ( XXXX, Mortgage Loan Originator, Lakeview Loan Servicing , LLC ) XXXX XXXX ( XXXX, Loan Processor, XXXX XXXX XXXX XXXX XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested all three of my credit reports from all three bureaus back in XXXX. Upon receiving and reviewing these reports I found numerous fraudulent accounts had been established in my name in fraud, by someone who used my personal information. I began the dispute process immediately by both contacting the credit bureaus and creditors where the fraud accounts originated from. I wrote each bureau ( Transunion, XXXX, XXXX  ) very detailed letters and supplied them with proof ( Police Reports, Photo ID, ID Theft Reports ) I asked them to supply me with proof they they had on these debts/fraud accts, etc. 

Proof I asked them for was signed contracts of these accounts, IP addresses, physical mailing addresses, logins, bank accounts associates with these debts0 They have refused to supply me with this information and still reporting these fraudulent accounts because the creditors allegedy verified with them ( baiscally the creditors is paying them to report this fraudulent information )
Product: Credit card or prepaid card

I need to change my payment due date on my credit card account with Bank of America. 

I want to change it to the last possible date of each month ( XXXX, or XXXX ). However, when I go to contact them on the website with this request, there is no dropdown menu for changing the payment due date, and the website won't allow me to send a secure message to notify them of my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. My initial dispute sent XX/XX/2020 and the 30 Day demand to comply was sent on XX/XX/2020.
Product: Student loan

Recently, ( XX/XX/XXXX ), I had my payment to Navient refunded to me for the second time. The first time was XX/XX/XXXX.These were refunds for payments I made online. 
I sent an email to Navient for an explanation of the first time and received this response on XX/XX/XXXX : " Our records indicate your overpayment was made to your private loan, which overpaid the loan, and the private loan is serviced on a different platform than your Department of Education loans, with different payment addresses, so the payment does not get automatically transferred to your remaining loans, but goes out as a refund to you, which you could then apply to your Department of Education loans so they are not past due. '' I called them on XX/XX/XXXX to ask what was the deal when it happened again. Their response began with the private loan but ended with the mailing address for payments was changed recently. Two caveats, the agent I spoke with said that if the payment was within 30 days of the address change ( Which they said took effect XX/XX/XXXX ) then the payments should have been forwarded. BOTH payments were made before XX/XX/XXXX. The other caveat is both payments were made online, so there should have been no confusion about what loan it should have been going too. 
Additionally, I've looked all through my account and I don't see any private loans listed on the Naviant website. It shows two loans, both Dept. of Ed. 
And last, I have listed on my account that if I make any overpayments then it should go to principle and not be refunded to me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX - I HAVE PREVIOUSLY DISPUTED THIS ACCOUNT XXXX XXXX information on my credit report is not XXXX  XXXX compliant *Experian shows incorrect balance amounts *XXXX  shows date last active as XX/XX/XXXX, but Experian shows XX/XX/XXXX *XXXX  shows date of last payment as XX/XX/XXXX, but Experian shows XX/XX/XXXX *XXXX  payment history is different than payment history on Experian report NONE OF THIS MAKES SENSE - I'VE DISPUTED THIS SPECIFIC INFORMATION SEVERAL TIMES AND EXPERIAN CONTINUES TO RESPOND THAT THE INFORMATION HAS BEEN VERIFIED. IMMEDIATELY DELETE THIS ACCOUNT FROM MY EXPERIAN REPORT OR PROVE TO ME THAT EVERY PIECE OF INFORMATION EXPERIAN IS REPORTING IS METRO 2 COMPLIANT AND ACCURATE DESPITE THE FACT THAT I HAVE INFORMED EXPERIAN OTHERWISE MULTIPLE TIMES. XXXX. XXXX - XXXX I HAVE PREVIOUSLY DISPUTED THIS ACCOUNT *not Metro 2 compliant *XXXX shows date last active as XX/XX/XXXX, but Experian shows XX/XX/XXXX *XXXX  shows date of last payment as XX/XX/XXXX, but Experian shows XX/XX/XXXX AGAIN, NONE OF THIS MAKES SENSE. I'VE DISPUTED THIS SPECIFIC INFORMATION MULTIPLE TIMES AND EXPERIAN CONTINES TO RESPOND THAT THE INFORMATION IS VERIFIED AND ACCURATE. IMMEDIATELY DELETE THIS ACCOUNT FROM MY EXPERIAN REPORT OR PROVE TO ME THAT EVERY PIECE OF INFORMATION EXPERIAN IS REPORTING IS METRO 2 COMPLIANT AND ACCURATE DESPITE THE FACT THAT I HAVE INFORMED EXPERIAN OTHERWISE MULTIPLE TIMES.

Do not send me another stall letter advising that you can not prove my identity, as I have attached my credit report, drivers license, SS card and proof of address to this complaint. Immediately delete the items listed above from my credit profile, as I have requested disputed and requested a full verification of all information multiple times, yet the information continues to report inaccurately, which I have proven by also attaching my XXXX report, which is reporting different information than Experian despite multiple disputes as well. You don't get to just pick dates and information to report on my profile without confirming that they are accurate for years on end ... wasting my time, money, energy... .causing me higher interest rates and denied credit ... claiming you verify the information when you don't. DELETE THIS INFORMATION IMMEDIATELY SINCE YOU CAN NOT GET IT RIGHT AND FAILED TO DO SO FOR YEARS.
Product: Bank account or service

someone put a fake check into my account and now i am forced to pay for the damage done to the account.
Product: Debt collection

I saw that I had a court date on XXXX XXXX for some unpaid hospital bills, my husband and I just happened to look up my name because we got a letter in the mail saying Midwestern Health Management was suing me. I contacted them that day and paid off the full amount of {$3000.00} right then. I told them I saw the court date and asked if since I paid it off if it would be dropped since I have not been summoned yet. They told me they would tell there lawyer to drop the case. Well that was on XX/XX/XXXX at XXXX pm. I have tried multiple times since then to contact to them to get this sorted out since it is still showing a court date, they either do not answer and I leave a voicemail ( that they never call back ) or they say one minute then the call disconnects. This is getting extremely frustrating and I am not sure what I am supposed to do if I can not get ahold of anyone.
Product: Credit card or prepaid card

mt credit card has billed me for several purchases i did not make as soon as i recieved my bill i saw the purchases i called and reported the charges. The company said no problem took off the charges told me to destroy the old card and sent a new one. I figured this was done but then over a month later i get another bill with those same charges back on it. I call them they said it was found the charges were legit because the card was present. But i didnt make them and i had the card in my possession at all times so had to be a cloned card .The company claims that they cant make fake cards witch i know is completely wrong.so the dates were in XXXX the XXXX XXXX XXXX XXXX, XXXX and XXXX. all of the charges were at marathon gas stations all in XXXX XXXX XXXX or XXXX fl. witch are all over an hour away from were i live some are hour and a half.the charges were almost all within a dollar of each other most were XXXX and change one was only XXXX and another was XXXX the company reviewed the case and still says charge valid because card was present but like i said i have the card so not possible. the credit card company is chase.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to Fair Credit Reporting Act, A consumer must provide WRITTEN CONSENT to any Credit Bureau for them to add any items to your credit report. I have not given any credit Bureau any consent to add any items to my credit report. This is called FRAUD and it is also ILLEGAL.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/22, I have been having issues with these accounts reporting inaccurate information on my credit report. I have submitted numerous letters requesting verification of these accounts. I have not received any updates in regards to this issue. Accounts reporting to the credit bureaus must report 100 percent accurate. These accounts are as following Santander, XXXX XXXX XXXXXXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX 

I am respectfully requesting the deletions of these accounts
Product: Debt collection

on XX/XX/2022 I received a letter that I have attached showing that this company even after reporting that this debt is false and misleading. This company repeatedly sends correspondence information asto this debt is owed by me. I am tired of this company sending information about a debt that I have repeatedly asked for verification of the debt and they refuse to send it. The continue to send a ledger of the account and not a signed contract with my signature on it indicating that I owe this debt. 

I want a SIGNED CONTRACT BETWEEN ALL PARTIES INVOLVED! 

I WANT CANCELED CHECKS TO SHOW WHO WAS PAYING THE RENT AT THE TIME BECAUSE MY SIGNATURE NOR WAS A BANK ACCOUNT USED WITH MY NAME ON IT TO PAY ANY RENT. THE STATE OF MISSISSIPPI WAS RESPONSIBLE AND THE MANAGER OF THAT PLACE KNEW THAT! 

PROCOLLECT HAS YET TO PRODUCE THAT!

WHAT A DEBT COLLECTOR CANT DO!

What are debt collectors not allowed to do?

Collectors cant harass you. For example, collectors cant threaten to hurt you may not use obscene or profane language cant repeatedly use the phone to annoy or harass you Collectors cant lie. For example, collectors can not tell you that you owe a different amount than what you actually owe may not pretend to be an attorney or from the government cant tell you that youll be arrested, or claim theyll take legal action against you if its not true Collectors cant treat you unfairly. For example, collectors may not try to collect interest, fees, or other charges on top of the amount you owe, unless the original contract or a law says they can cant deposit a post-dated check early can not publicly reveal your debts, including by sending postcards or putting information on envelopes This company has repeatedly contacted me with threats about this bill and im tired of them.
Product: Money transfer, virtual currency, or money service

A Certified check, {$83000.00} was deposited in an account with a XXXX day hold ( XX/XX/XXXX ) with JP Morgan Chase XXXX I was told Chase closed account bc it was believed to be a fraudulent account. My bank, XXXXXXXX XXXX, did not put a recall on the check. Chase closed it. Funds were Debited ( out of account, ( XX/XX/XXXX ) not to be seen since. The payee of check, account holder, has repeatedly asked to return funds to payor at XXXXXXXX XXXX I never received the funds and Chase has told him that XXXX needs to request the return of funds to its bank but XXXX never asked for the account to be closed. XXXX denies sending the initial recall. Chase will not speak to me bc I am not a customer of theirs. 

I am aware of the congressional investigation of Chase for not returning funds of those that have been scammed, which this could very well be the case of mine. I will tell you the payee was subsequently paid with another check and followed through with his obligations. I also placed a stop payment through XXXX with no luck. They tell me the check cleared the same day it was deposited. How could that be if was on a XXXX day hold. I contend the money is sitting in Chase Bank and they intend to keep it OR someone has figured out a way to get the funds fraudulently. If I was a victim of a definite scam I now feel as though I am victim a second time by Chase Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus XX/XX/2023 to update/correct this suspicious information. I think you have not validated these accounts and I will pursue legal action against you. This was already included in my prior request, and I'm including it again. 
XXXX XXXX Balance : {$640.00} XXXX  XXXX XXXX Balance : {$4800.00} XXXX  XXXX XXXX Balance : {$4100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX has violated 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 : 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 reporting or other personal consumer reports

I urgently want the unauthorized inquiries on my credit report to be removed and blocked. This fair resolution would help ease the shock and stress Ive been experiencing, and I hope its resolved swiftly so I can regain some peace of mind.