23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I called Caliber Home Loans on XX/XX/XXXX about the payments that was made for the month of XX/XX/XXXX. I attempted to make my mortgage payment to Caliber Home loans on XX/XX/XXXX and on XX/XX/XXXX for XXXX 's payment. I've been with Caliber Home Loans for the last 5 years and make payments the same way each time. My payment accounts are saved in Caliber 's payment portal and when I login, I choose which account to draw the money from. Both times, Caliber kicked my payments out and charged me {$15.00} each time for making payments. The rep XXXX, Employee ID XXXX, stated the banking information is wrong in the system and insisted I double check the banking information. I explained to XXXX that the banking information in Caliber 's system hasn't changed since I've been with Caliber and requested him look into this. After 30 mins on hold, he stated there is nothing he can do for me and the fees will be charged because the banking information is wrong. Caliber Home Loans is wrong in lying about my banking information being wrong and charging me those fees.
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 protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 an 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: Mortgage

We have requested an AMENDED  XXXX  from a short sale completed at end of  XXXX   XXXX . It incorrectly states " yes '' in  Box  #  XXXX , that we are liable for repayment of debt. We have a signed document from JPMorgan Chase Bank stating that " Any deficiency balance ... remaining on the loan secured by the property above will be canceled. '' Add to that : Mortgage Forgiveness Debt, that Arizona is a non-recourse state and that it was a primary residence un der 2.5  acres on a PMM ( Purchase Money Mortgage ) ( Interest only loan, purchased  XXXX   ) O ur dispute is to have box #  XXXX  state : " No '' - not liable. They are denying our request because " if customer was personally liable for repayment of the loan when it originated or last modified. '' ( It was never modified. )???
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, XXXX Date opened : XX/XX/XXXX Original balance : {$18000.00} Status : Closed. {$11000.00} written off XXXX : updated XX/XX/XXXX XXXX loan between myself and Ex-wife. She took the vehicle and failed to pay the loan. The vehicle was repossessed ( I assisted in locating the vehicle ). That Vehicle has since been resold, the loan the balance charged off, and sold the balance to a collection agency.and I have to deal with them as well
Product: Debt collection

I applied for a {$700.00} loan I fell behind on payments The debt was then sent to reel-time debt collector, who said that the company was threatening to pursue fraud against me saying that I closed my debit card account when in fact there were no communication sent to me through XXXX indicating that there was a problem with the payment
Product: Debt collection

Cavalry Portfolio Service, amount  is $XXXX. I have disputed this account and I have no knowledge of this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian charges my credit card each month for services. I want to cancel but I don't even know what my account is on their Website. I don't know of any user ID or password I might have used, and It doesn't recognize my email address. I don't know what old email address I might have used, but couldn't access one anyway. I try to call their number numerous times, but the system 1 ) doesn't recognized that my SSN has an account associated with it to cancel, 2 ) will not let me talk to a representative, and 3 ) just refers me back to the Website which again doesn't help me. They clearly make it impossible to cancel.
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. 

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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I worked with a Wells Fargo loan officer to purchase a investment property. I was told I would need XXXX % down. They were aware that the property was duplex. 5 days before my closing I was told I needed XXXX % down. Since it was there mistake they stated they would reduce some of my fees. In fact they increased my fees. 
I do n't know if this other complaint goes to you but my closing title company did not provide anyone to close with me to explain the documents I signed. They just told me to go to any notary since I lived out the state ( even through they knew this and did n't make arraignments ). Also I have not received a copy of the signed closing documents I signs and I was not provided keys and the XX/XX/XXXX rent to the address and lease agreements. They told me I have to contact the owners realtor to get that even through it was in my contact. They realtor told me they ca n't give me a copy and to ask the renters. Also I have received the rents.
Product: Credit reporting or other personal consumer reports

In XX/XX/2024 I purchased a TV from XXXX and specified it was to be delivered no sooner than XX/XX/XXXXXXXX XXXX XXXX XXXX. XXXX XXXX provided XXXX percent financing for 18 months. I set it up on autopay through my XXXX XXXX account. On XX/XX/XXXX I received a notification from XXXX that my TV was delivered, ( 10 days earlier than it was suppose to be. I rushed to the address it was suppose to be delivered to. No TV. I rushed 30 miles to where I lived at that time. No TV. I called XXXX and they said they had no way to track where my TV was. Hours later a 3rd party shipper ( XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, called me saying they actually received the TV. I was XXXX and told them to send it back to XXXX. Weeks later I received an email verifying XXXX received the TV and the purchase price {$1300.00} was credited to my account. However, months later I saw 2 payments had been taken from my XXXX XXXX account by XXXX XXXX which evidently handles XXXX XXXX. XXXX XXXX XXXX XXXX. retrieved 1 payment and put a stop to further withdrawals. I've contacted XXXX and XXXXXXXX XXXX several times and mailed emails proving the TV was returned. They ignored my proof and ruined my credit and harass me daily with 4 calls, including XXXXXXXX XXXX last night.
Product: Credit reporting, credit repair services, or other personal consumer reports

Didnt authorize credit pull
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent letters to have some personal information that was inaccurate on my credit report removed however Experian and XXXX has been seemingly ignoring my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account has violated my rights. The creditor is named EASTERN REVENUE INC.

15 U.S.C 1681 602 A. States I have right to privacy. 15 U.S.C 1681 602 A Section 2 : It a
lso states a consumer reporting agency can not furnish an account without my permission.

I have contacted this EASTERN REVENUE INC to request they remove this from my credit report since 2021. They have not complied. They harass me everyday before XXXX and after XXXX. I want to sue. This account is not accurate and immediately must be removed please.
Product: Credit reporting or other personal consumer reports

XXXX confirmed in communication with me that account notes show I had requested a forbearance before missing any payments, but XXXX reported my account 90 days past due, strictly for XXXX XXXX XXXX. 

After noticing the hit to my credit, I contacted the company and they corrected their internal system, but have failed to correct my credit report. 

I have repeatedly reached out to XXXX, XXXX, and Equifax to request correction, but XXXX has failed to confirm the correction, maintaining a false hit on my credit and negatively impacting several major purchases. 

Please investigate all parties for responsibility and corrective action.
Product: Debt collection

I received a call from a number with blocked caller ID. The person on the line represented themselves as a Compliance Officer with the State of South Carolina and advised that they were locating me at my residence or place of employment in reference to a case being filed in XXXX County. I was given case # XXXX and instructed to contact XXXX. When I contacted the number given, I advised that it is illegal to represent themselves as government officials. She never gave me the name of the company and refused to send me anything in writing to validate the debt. The representative only advised that she would be finalizing my case for court since I would not make payment via phone. I advised that I had been contacted in reference to the company Advanced America before and asked for information in writing to validate the debt and if valid make arrangements but was advised that they were just going to take me to court. The young lady stated that if I wanted something in writing then they would just handle it in court. At that point, I advised that I could no longer continue the call because I was at work. It is illegal for them to represent themselves as government officials and needed to make you all aware of the issue.
Product: Payday loan

I DID NOT APPLY FOR A LOAN WITH PAYDAY LOANS. 
I received several calls from XXXX XXXX XXXX about a claim. Spoke to XXXX representatives who stated that i was in default and breached contract with Payday Loans in the amount of {$430.00}. Was given XXXX options to settle - XXXX XXXX XXXX one time payment in full of {$430.00} or installment payments on {$530.00} to be received in their office within XXXX5 days. They referenced a previous employer, and a financial institution with which I had no accounts. 

I told the XXXX representative that I refused to pay because I did not originate the loan - they asked and I confirmed the last XXXX of my SSN with the representatives and gave them my current mailing address and email address.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX 4. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX 7. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/22 to 3 credit bureaus to remove erroneous accounts that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # 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 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
Product: Debt collection

I am filing this complaint against American Express Company because the company is evading its responsibilities. Two months ago, I filed an arbitration through XXXX, but the company has not formally responded. I have sent several notifications, and I feel frustrated. I have tried to resolve this matter, but the company ignores my letters. I request that an investigation be initiated against the American Express Company. The agreement establishes that any dispute can be brought through arbitration.
Product: Credit card or prepaid card

I am unable to use debit cards to load money onto my XXXX rewards debit account. 

I last loaded it with a debit card on XX/XX/27. A few days later I was unable to load it with the same card. I called chase and was told it was a problem with the bank who issued my debit card. I called the issuing bank and they clearly noted the charge was processing fine and chase was reversing it. 

I called Chase again and this time they said it was because the card was being closed and I can no longer load it at all. After we hung up, I was able to load it with my Chase Checking account. 

I called Chase again and was transferred to XXXX because 'they work with the rewards program ' I spoke with a friend on XXXX who was able to load his chase XXXX XXXX card with a debit card without any issue on XXXX. 

I called again on XXXX and this time was told that my card was closed on XX/XX/XXXX, and when I pointed out that I both used and loaded it ( with chase checking ) on XXXX than she said it's being closed in XXXX and she can't help or look into anything else.
Product: Checking or savings account

XXXX ) I was charged for car insurance and identity theft products that I can not or did not use nor authorize. 
XXXX ) I was offered identity theft protection for a year from XXXX for the Identity Theft that Wells Fargo caused me however the product is only authorized for XXXX  months.
Product: Student loan

My interest is being capitalized on my student loans unlawfully and because of XXXX 's unlawful practices. I pay my student loans based on an income based repayment plan. I received a notice on XX/XX/XXXX, that I would need to recertify my income in about two months and if the recertification was not received by XX/XX/XXXX, my payment would go up. On or about within 72 hours of receiving the notice to complete the recertification, I uploaded my application on the XXXX website on XX/XX/XXXX, and on XX/XX/XXXX, I received a notification that the application was incomplete and needed additional information. I uploaded the requested information to XXXX on XX/XX/XXXX, two weeks before the XX/XX/XXXX, deadline from the XX/XX/XXXX, letter. Pursuant to the letter dated XX/XX/XXXX, my correct application was received two weeks prior to XX/XX/XXXX, and my application should have been processed and not resulted in an escalated payment in XX/XX/XXXX. I realized I had not had a response on my income based repayment application and called XXXX as well as resubmitted my income based repayment application again just to be double sure it was received. I requested my new payment amount and was told that my application had not been processed due to a backlog of unprocessed recertifications on XXXX 's part. I asked that my payment be recalculated so I could make my XXXX payment. I was told that could not be done and a new bill could not be issued for XX/XX/XXXX and once mentioned I would be filing a complaint with the CFPB, which I have done, the call was escalated and I was told by the representative that they would go ahead and immediately process my income based request and would try to have the XXXX payment corrected, but they could not guarantee that would happen. I called at the end of XX/XX/XXXX when I noticed I had no automatic debit for XX/XX/XXXX scheduled on my account and the representative told me XXXX had placed my loans on a forbearance without my permission and the type of forbearance was a status that signified that it was due to a servicer issue. I specifically noted how that would affect me by extending when my loans will be ultimately forgiven and how this was done through no fault of my own. I also specifically asked about interest capitalization and was told that would NOT happen because the status of the forbearance was due to a servicer issue. I received an email tonight, XX/XX/XXXX, at XXXX XXXX stating that if the interest was not paid by XX/XX/XXXX, outstanding interest in the amount of {$18000.00} is going to be capitalized. I did not request a forbearance, change in repayment plan, etc. XXXX did not process my recertification application in time and placed me into a forbearance I did not request and is now going to capitalize {$18000.00} in interest on my student loans. This is unlawful and an abuse of power. I am looking for someone to assist in correcting XXXX 's egregious wrongs. PLEASE HELP!
Product: Debt collection

This complaint is in response to the recent reply of case # XXXX submitted on XX/XX/XXXX with a response on XX/XX/XXXX which I have attached for reference. 

First of all, this company stated that they sent me mail on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX with no response about a collection placed with them on XX/XX/XXXX. This company stated that they sent letters to an address that does not belong to me nor have I ever lived at the address they stated they sent the letters to. I have attached my driver 's license to show what my address would have been at the time they claimed to have sent the letters and you will clearly see that if they did indeed send such letters then they went to the wrong address. So not only would I have never received said letters which is a problem in itself, the bigger issue is that since they sent these letters to the wrong address then my medical information has been exposed because who knows who was on the receiving end of those letters. This is a violation of my HIPPA rights. No one should have access to my medical records other than the providers who treated me. This company also stated that they called me multiple times with no answer. So they basically admitted to harassing me about this alleged debt since I did not give them permission to call me pursuant to 15 USC 1692c ( a ). This company states that they received my request for validation on XX/XX/XXXX and that they requested an itemized statement from their alleged client. They then state that said statement was mailed out on XX/XX/XXXX to the same incorrect address that the other 4 letters ( previously mentioned at the top ) were mailed to. So instead of sending said statements to the address listed on my initial complaint or the address listed on the certified mail return receipt, they sent it to an incorrect address again, which exposed my medical information again. So at this point my HIPPA rights and right to privacy has been violated 5 times. They state the itemized letter was allegedly returned to them and that they have now sent said letter certified mail to the address they should have sent it to the first time if they really wanted me to have the documents validating this alleged debt. So as you can see I never got the request for validation of this alleged debt so that is a violation of 15 USC 1692g for furnishing an unvalidated debt. This company also harassed me as they said in their own words by calling me multiple times without my permission pursuant to 15 USC 1692c ( a ). This company also took a private matter and made it public by reporting it to consumer reporting agencies, so they are advertising this alleged debt to coerce payment which is in violation of 15 USC 1692d ( 4 ). Pursuant to 15 USC 1692c. ( c ) ( 2 ) I am invoking my specified remedy as a consumer, and the original creditor I am demanding that this account be zeroed out immediately and that this account be immediately deleted from all consumer reports.
Product: Credit reporting or other personal consumer reports

Dear Experian, I am writing to request a thorough investigation of an incorrect address that has been listed on my credit report. The address in question is : XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX Please note that I have never lived at this address and am unsure how it came to be associated with my credit profile. The addresses where I have resided are : XXXX XXXX XXXX XXXX, XXXX, IL XXXX My current address : XXXX XXXX XXXX XXXX, XXXX, IL XXXX Given that I have never lived at XXXX XXXX XXXX XXXX, XXXX, IL XXXX or have no association with this address. I kindly request that you validate the origin of this address on my report. If it is found to be erroneous, please remove it from my credit profile immediately. 

Thank you for your prompt attention to this matter. Please confirm in writing once this issue has been resolved.
Product: Credit card

Commenity which is the merchant for Zales credit card services charges {$41.00} per late fees. These charges are applied if payments are made after XXXX XXXX eastern time. I find that to be absurd. The late fees are excessive and shouldn't be applied until after XXXXXXXX XXXX EST. IT seems they're practicing outside of the Credit Card Accountability Responsibility and Disclosure Act. The law banned credit card companies from charging excessive penalty fees and established clearer disclosures and consumer protections. It seems that I'm being exploited as a consumer. The website for making payments is designed to implement late fees if any payments are made after XXXXXXXX XXXX of the due date.
Product: Debt collection

Indigo XXXX released private source data information to a third party collection agency that is located in California licensed number XXXX and are not lawful permitted to collection activities in the state of California. Violation of admissible purpose, violation for reporting false and fraudulent information on credit report with out validation and or consent. This collection agenc continues to reach out to me via text message after a cease and desist communication has been sent