23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Caliber Home Loans currently holds my mortgage loan. I contacted them a couple times to refinance from FHA to conventional loan ( brand new built home 2015 ). They advised each time to wait another year for home value to increase. The house on the next block, same floor plan, sold for $ XXXX more than the purchase price. I contacted Caliber again requesting to refinance. They could not see the home that recently sold in their system and came back with comps in the area that were much lower than actual. After hearing the same spiel " to wait another year '' once again, I contacted another mortgage company ( within a few weeks time from last contact with Caliber ). Apparently the new mortgage company had more up-to-date data, software - they immediately saw the significant increase in home value and began the process for refinancing. As part of a NECESSITY to determine my current loan amount, the new mortgage company contacted Caliber for a payoff amount. They subsequently made a second request, just prior to closing, as I had made a mortgage payment in between the two requests. Caliber charged to me, personally, a {$5.00} fee for each request. This was noted on my statement as " Fee billed ''. Not know what the fee was at the time, I called to inquire. Turns out it was a FAX fee charged to me for the new mortgage company to obtain the payoff amount from Caliber Home Loans. This is gouging the consumer - especially considering the exorbitant fees associated with mortgage loans.

I have worked in healthcare for nearly 40 years. When a physician requests my medical records from another physician, there are no costs charged to me associated with the copies/request. However, if I request copies of my medical records myself, a fee is charged. The same should hold true for a mortgage company to mortgage company request for payoff information. I did not make the request. That piece of information is required in order to pay off the loan. Why gouge the consumer? Had I requested the payoff information myself, sure, charge me. I made no request for a FAX payoff from Caliber and received no FAX, document or service from them, yet was billed {$10.00} on my next mortgage statement - billed directly to me. This, again, is gouging the consumer.

If this is found to be a legitimate charge based on current laws and practices in the mortgage industry, then this practice needs to be reconsidered. I request a refund from Caliber Home Loans in the amount of {$10.00} for FAX fees, in which I made no such request, nor did I receive any goods or service from them.
Product: Debt collection

My Discover Card has been used excessively over the past few years, especially in my husband 's business. However, he was only an authorized user, and I am the responsible party. I am now stuck with over a {$16000.00} debt I can not afford to pay. There is over {$3000.00} applied in just interest over the past two years. I can borrow money from my family in XXXX to settle this account, but all that I can borrow is {$4000.00}. I am a mother of XXXX children and its difficult to just pay my monthly bills, as my husband 's business is failing. Therefore, I am the only wage earner in the family. I respectfully request Discover Card to accept the {$4000.00} settlement amount and it will be paid within ten ( 10 ) business days.
Product: Credit reporting or other personal consumer reports

I received a credit monitoring alert as to XXXX inquiries furnished on my credit profile which was done so without my written or verbal consent. Per 15 USC 1681 I have the right to privacy and also fair and accurate reporting to my consumer credit profile and in this case my consumer rights were violated.
Product: Checking or savings account

I have been a satisfied Citibank Customer for the last 7 years. Despite I dont live in United States, I opened an account in XX/XX/XXXX in  XXXX, Florida. Since then, I use it just for savings. 
In XX/XX/XXXX, I tried to go into my online Citibank account and I could not. So, I called at Citibank call center, just to find out that my account was closed by Citibank and It was empty. They did not notify me about the closing. 
It was a real shock for me, because I did not use this account as my day to day checking account, but as a savings account. When I asked for the last movements of my account, the operator described to me 9 different unauthorized withdrawals that happened during XX/XX/XXXX. Three ( 3 ) of them were made physically in different branches of the bank. As I said I dont live in USA, so I immediately denied them. Attached you will find the details of this movements, for a total amount of USD XXXX. This information was all supply to me by the Citibanks Call Center. It is VERY important to note that when all this movements took place I was not in United States. Even worst, I actually have never been in Illinois, in my whole life, where all the face to face withdrawals were supposedly made. 
Also, the operator said this movements were made with a debit card ending in XXXX, that I never had. My actual debit card ends in XXXX, and it is physically WITH ME at this moment. My expired debit card ended in XXXX. 
As I denied this movements, he put me on contact with the dispute department. They asked me if I had already done a complaint with the Police, and I answered I have not yet because I live in XXXX de XXXX and I have no plan to travel to U.S.A. After that, an internal investigation was opened and she gave me a following case number. 
In XX/XX/XXXX, I called to the same Citibank phone number to follow my case ; and the operator told me that the case was denied because I had not make a formal complaint with some police department. She also told me that If I want to re-open the case I need to make a complaint. ( And suggested that I need to travel to U.S.A. and talk directly in a Citibank branch ). 
After I made it public on XXXX, they call me and ended up opening a formal complaint ( In fact, two ( 2 ), one for branch withdrawals, and other one for ATM withdrawals ) and I am still waiting to know the results. I am really needing your help to go forward with this investigation. It is my savings for the last 7 years, and I need my money back. As I said, I was not in United States when the movements happened, I have never had the debit card ending in XXXX, and It wasnt me who made the withdrawals. Also, due to my account history, they can see that this type of movements was very unusual. 
Also, I made a complaint with the Federal Trade Commission ( FTC ) which I report an identity theft. Attached you will find the report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo Bank NA reported a hard inquiry on my credit report on XX/XX/2022 that was only supposed to be a soft inquiry. XXXX XXXX XXXX XXXX ( a company offering financing through Wells Fargo ) told me that the Wells Fargo financing they offer would only be a soft inquiry and also never told me that it would be a revolving line of credit. I was under the impression that the purchase would be secured by a loan. These factors negatively impact my credit score.
Product: Credit card or prepaid card

I called about these issues and the call was transferred to a not active line. 

I did not make any of these charges : XX/XX/2020 EXTENDED STAY XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX  XXXX
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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
Product: Debt collection

Upon reviewing my latest credit report, I found several accounts that appear to be fraudulent and were included without my consent.
Product: Checking or savings account

I received a Debit Card PIN number for an account at Well Fargo I did not open. I do not have an account at Wells Fargo. I notified Wells Fargo in person and received an acknowledgment email however, the contact number provided in the email acknowledgment is not a functioning number. I am concerned given the previous practice of Wells Fargo opening fraudulent accounts. 

I am concerned as to how you can open an account online without any funds with Wells Fargo as the staff in XXXX alluded to? 

I ask that they freeze the account and I am a week in and have yet to receive any updates other than an acknowledgment email
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act DPT EDXXXX Account # 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
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 BANK 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: Credit reporting, credit repair services, or other personal consumer reports

Multiple accounts listed by XXXX Equifax and XXXX XXXX regarding XXXX XXXX XXXX XXXX. That account was part of a line of credit. XXXX  foreclosure. I have asked them to remove and they took revenge and duplicated it on my wife XXXX XXXX and my ( XXXX XXXX ) credit reports. Thier is also multiple hard inquries which i asked to be removed or provode proof of signature on an application. XXXX have failed to remove or assist.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth attempt and request to have public information removed from my credit file. There is a chapter XXXX  bankruptcy listed on my public TransUnion credit report that I have requested several times to be removed. Both XXXX and TransUnion have removed this account. It has also been confirmed that the U.S. Bankruptcy courts and PACER does not and will not verify such accounts ; therefore the account has not been verified and XXXX, the system in which the credit bureaus use to verfiy information is not the correct method of verfication.

Per the PROCEDURES and laws stated in 15 U.S.C. 1681i and its subsections I have requested that ALL FURNISHERS related to this account and CONSUMER REPORTING AGENCIES in which this item has been disputed BE NOTIFIED of the DELETION of this account due to FAILURE TO PROVE ITS VALIDITY. As stated above, I have requested this information be SENT to all CREDIT REPORTING AGENCIES and I anticipate that each CRA will follow suit in DELETION OF THE ACCOUNT.
Product: Credit reporting or other personal consumer reports

I have had a XXXX XXXX XXXX XXXX XXXX since XXXX. I rarely use the card, and I moved in XXXX and subsequently provided XXXX 's with my current address since XXXX. I had not used my XXXX 's card for more than a year until XX/XX/XXXX, when I made a purchase of jewelry at XXXX XXXX in XXXX XXXX, California, as a birthday present for my fiance. After I gave the gift to my fiance, she advised me that I had previously purchased the exact same item. On XX/XX/XXXX, I returned the purchase to XXXX 's in XXXX XXXX, California. I believed the return of the exact same amount reflected my balance as XXXX, and thought nothing of it. I never received any billing statements from XXXX 's thereafter. In XX/XX/XXXX, there was a delinquency on my Credit Bureau reports from XXXX 's which indicated {$13.00}. I had no idea what this was for, so I contacted XXXX 's and advised them I had not made any purchase since XX/XX/XXXX, and I returned the same item. They could not explain what the charge was for initially, and then advised me that when I made the XX/XX/XXXX purchase, " XXXX XXXX '' credits were applied and when I returned the item the XXXX XXXX XXXX '' points reflected {$7.00} less and this was the outstanding charge. I still do not understand what they are talking about, but I never received a billing from XXXX XXXX, they alleged that they sent a billing to my previous address from 5 years ago ( said billing which still has never been provided to me ). I paid {$15.00} by telephone on XX/XX/XXXX, which XXXX 's alleges I owed them but, again, they have never sent a billing to my correct address. XXXX 's reported a delinquency on my credit report of 90 days and this has caused my excellent credit score to drop by XXXX points. I have filed disputes with all three credit bureaus and contact XXXX XXXX approximately 8 times requesting that they remove the delinquency from my credit report, but they have not done so. I have proof from a purchase made two years ago, that XXXX 's has my correct address, they have my telephone number and my email address, as they send me emails for store sales daily ( notwithstanding the fact that they never sent me a bill, never called me or emailed me regarding the purported {$7.00} charge ). I have been totally stressed out and have lost sleep for the last week, as XXXX 's has severely and negatively impacted my credit score. They refuse to send me duplicate billing for the alleged charges and failed to remedy a very easy mistake caused by XXXX XXXX, not me. I am an attorney by profession, and I am making this complaint as a last chance effort to resolve this, prior to having to resort to filing suit against XXXX XXXX. 


I am attaching an online purchase which proves that XXXX 's knows my current address, at least since XX/XX/XXXX. They have alleged that they sent a billing to my previous address which I never received and to a house I no longer own. I have also attached a letter sent yesterday to Experian with regard to my dispute of XXXX 's inaccurate negative delinquency report. 

Please help.
Product: Credit reporting or other personal consumer reports

Charge offs are considered income and should not be reported on my credit report according to 15 USC 1681 ( 2 ) and the IRS publication XXXX and XXXX XXXX XXXX. By definition the IRS clearly says a CANCELED DEBT or CHARGE OFF is considered INCOME. The Reporting of this account as a debt is INACCURATE and Unlawful INCOME is a certificate of INDEBTNESS, and the IRS treats the forgiven debt as income.
Product: Credit card

In response to CFPB complaint - XXXX - XXXX, My name is XXXX XXXX a Federally protected consumer, and Im making this XXXX against Capital One for violating my rights I did not receive any notices prior to XX/XX/2023. Capital One stated that after performing their review they believe the account belonging to me was verified because my SSN, and date of birth they have on record. But the reporting of a negative item as per 1681s - 2 ( 7 ) requires a notice be sent to the consumer, this notice must be sent before, prior too or not later than 30 days after furnishing the negative information to the Consumer Reporting Agencies as described in section 1681a ( p ) of this title. Also pursuant to 15 USC 1681s-2 ( 8 ) ( E ) Duty of person after receiving notice of dispute.Ive never received the notice prior to the furnishings of this negative item can provide me with the tracking number with use of my intellectual property, my signature. 

Iam here requesting, under Rule 1002 and in good faith proof that notice was sent thats number one and number two when was the notice sent? And the address? The notice was sent to. Regarding of the furnishing of this negative information. Upon the receipt of the documents herein and of this notice. You are hereby Notified Pursuant UCC - 1 - 202f. Your prompt Attention and response are both requested and required. Capital one - XXXX, XX/XX/2023 Sincerely, XXXX : XXXX-
Product: Mortgage

I fell behind on my mortgage after losing my job because of my sons XXXX. I tried in XXXX, XXXX, and XXXX to get a modification however Freedom Mortgage has denied this request after providing proof on my income. They have told lies about the process and even sent a letter stating the sale was postponed but then filed nothing with the court.
Product: Debt collection

Contacted through both XXXX  and XXXX  and XXXX as varified with no explanation. I dont live in Florida nor have i received anything verifying this is my debt. Asking for this collectins tilo be removed from my credit report
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX Account number : XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Vehicle loan or lease

We paid off our lease, and our leasing company Toyota Financial Services failed to transfer the title for our vehicle to us. It has resulted in me and my husband getting stuck in a bureaucratic nightmare, compounded by the fact that we have now moved out of state. 

We were customers of Toyota Financial Services when we lived in XXXX   XXXX, we leased a XXXX XXXX Hylander. XXXX # : XXXX. We were good customers, and we satisfied all of our lease obligation / payments, and paid it off, then we opted to purchase our vehicle at the end of the lease. We have received this letter noting that the lien was satisfied by Toyota Financial Services but after calling multiple times they refused to take any further action to transfer the actual title to us. We never received a copy of the title sent to us when we made our final payment. 

Now, we've moved to XXXX and realized that we need a copy of our title to register our vehicle. The issue, is that Toyota Financial Services never transferred the title to us in XXXX state. The company failed to file a statement of lien satisfaction or notice of recorded Lien ( Form MV-901 ) with the state. We also need an application for Duplicate Certificate of Title ( MV-902 ) sent to the commission of motor vehicles. Please see the attached denial letter for a duplicate title from the XXXX Department of motor vehicles dated XX/XX/XXXX stating that the title was issued to our leasing company and that it was not properly transferred to us. 

I have spent over 5 hours on the phone with Toyota Financial Services and in turn with the XXXX Dept. of Motor vehicles, writing, calling, and emailing both of them to get this resolved. 

Simply put, we paid off our car, we own the car, period. I am so exasperated at how we have been treated as customers in what should be a routine process, I am at my wits end. 

Attached evidence : ( 1 ) Notarized satisfaction of lien release from Toyota Financial Services, ( 2 ) Denial letter from the Title Services Unit of the XXXX State Department of Motor Vehicles, ( 3 ) expenses we have incurred attempting to resolve the issue. 

Thank you for your time, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, ID XXXX XXXX
Product: Checking or savings account

Today, XXXX, I attempted to pay for a 20oz Coke bottle at XXXX, and the XXXX XXXX said, Declined. So, I swiped my debit card prior to inserting the chip, and the transaction went through. Then I went to BK, and my transaction went through without any problems. Upon attempting to purchase my items at XXXX, the XXXX XXXX said DECLINED ; INSUFFICIENT Funds. I couldn't believe it. 
I dialed XXXX, and waited 15 minutes at XXXX to be helped ; no answer. So, I left to my XXXX XXXX XXXX  to pick up yesterday 's ATM machine. By now it was over 30 minutes wait. Then a lady answered my call. She was an inpersonator of BoA. She began to say XXXX charged me {$19.00} and they didn't. They would have emailed me a confirmation # and they didn't. Also, I checked my balance yesterday prior to leaving the library and they had not charged me at all. My balance was {$53.00} rounded up. 
So, I went to XXXX yesterday " after '' I checked my account and bought XXXX- {$5.00} and change. Then I earned {$20.00} from a customer. So, after that job, I went to the Bank and made a {$20.00} deposit ( see picture ). My balance became {$67.00}. After that deposit, I used my card three more times : XXXX. XXXX XXXX- {$11.00} and change XXXX. XXXX- {$6.00} and change XXXX. XXXX - {$5.00} and change. 

My ending balance was right around {$43.00}. This morning I only used my card three times, and it's not a total of {$43.00} plus dollars. So, again, XXXX never charged me. Therefore I'm disputing {$19.00}. There is no {$39.00} hold because I already gave XXXX XXXX the proof that he asked me. He hasn't even called me back regarding the {$39.00}. This online ledger that I now see does not even reflect {$20.00} deposit from yesterday or a hold. 

The ledger seems fake.Also, I do not have overdraft protection. 

So, I arrived to my nearest bank branch to resolve this problem ; and the lady, XXXX, said there's a two hour hold. It's been close to one hour now. 

Please have Bank of America return {$33.00} plus {$19.00}. It was MANUALLY removed for no good reason. What a crime! I'm disputing my available balance is NEGATIVE {$5.00} and change. I'm disputing XXXX charged me. because I did check my ledger yesterday, XXXX, and that transaction was not there. I'm alleging I'm currently placing transactions on a closed fake account vs mine. It doesn't even reflect my {$29.00} deposit. XXXX XXXX XXXX