23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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
Product: Credit card or prepaid card

I called today XX/XX/XXXX and was told the customer statements are just estimates or averages of next months billing charges. The person I spoke to emailed there internal statements which shows all or at least a majority of all my over the minimum payments they apply towards interest. On XX/XX/XXXX a minimum payment of {$90.00} was paid on time and they charged me {$7.00} interest, on XX/XX/XXXX I made a {$100.00} payment on time and paid as extra {$10.00} above my minimum required payment of {$90.00} and I was charged {$11.00} in interest? All amounts over the minimum required payment are legally supposed to go to the principle, and the statements have to be correct, they cant be a estimation or a guess, none of the amounts on any of these statements makes any sense. I feel like there is something shady going on, and if its being done to me than its being done to everyone, and according to other customers in XXXX  this company is doing alot of illegal things. Also the customers statements say one name for the company and the internal documents say a different company name. I have also had to report this company to get credit agencies reports corrected 2 times.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to follow up on my previous correspondence dated [ date of previous letter ], in which I disputed the following collection account on my credit report pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Consumer Financial Protection Act ( CFPA ) : Creditor/Collection Agency Name : XXXX XXXX XXXX  Account Number : XXXX Amount : {$250.00} Date of Account : XX/XX/year> To date, I have not received a satisfactory response or proof that this debt is valid. According to the FDCPA, specifically Section 809 ( 15 U.S.C. 1692g ), creditors are required to validate the debt upon request. Additionally, under the FCRA, specifically Section 611 ( 15 U.S.C. 1681i ), credit bureaus must investigate disputed information and correct or delete any inaccurate or unverifiable information. Furthermore, the CFPA ( 12 U.S.C. 5531 ) prohibits unfair, deceptive, or abusive acts or practices in the collection of consumer debts.

I am requesting XXXX  final time that you investigate this account and ensure its removal from my credit report if it can not be properly verified. Failure to comply with these federal laws may result in further action, including escalation with the CFPB and exploring legal avenues to protect my rights. 

I have attached copies of my previous correspondence and supporting documentation, including a copy of my identification for verification purposes. 

I appreciate your prompt attention to this matter and expect a written response within the XXXX period stipulated by law.
Product: Mortgage

XXXX is reporting a mortgage with Residential Credit Solutions being delinquent 120 days as of XX/XX/XXXX. This loan was paid off in full in XX/XX/XXXX. RCS was responding to a dispute and sent incorrect info. I 'm in the middle of applying for a new mortgage and this is a big concern.
Product: Debt collection

I got paperwork for collections XX/XX/XXXX. I called and was told I had 3 bills. I paid one off on the phone and setup payments on the other two bills. I asked for XXXX to go to the large bill, and XXXX to go to the smaller one. I had NO option but electronic ACH checks. I wanted debit card so that my money came out immediately. I was told I had to do electronic check. The money NEVER came out on the date I requested. In XX/XX/XXXX I accidently figured out that one of the payments coming out of my account by XXXX was taken out as the medical facility. When I saw this and never received any documentation I called them and asked for an itemized list of my bills and what payments where made. I hade to call multiple times and get upset with them to get anything and it is so vague. I talked to a rep at XXXX and he stated that he saw 4 bills on my account and the original one I set up for payments never had a payment applied to it all. I had another bill that had an XXXX credit on it. I asked for documentation of all these transactions. I asked why they were deducting an a check out of my account as if the were the facility and the gentleman said my account was set up wrong. I told them I was stopping all payments until they can prove where my payments are going and what these other 2 bills are. The gentleman couldn't stop the payments because of the way they where set up. The next guy was rude and even said the other gentleman at his company was wrong, new and didn't know what he was doing. I hung up and called my bank to dispute the payments as I got no answer form XXXX. My bank said the way the payments are set up they can't dispute even with the wrong payee and the only way to stop them from deducting is to close my account and open a new one. Fast forward I get serviced to go to court and I call and speak to XXXX again trying to get this taken care of and I was lied to on the phone. I was told that they do not add invoices without telling me. I said I was never told. Then she said that if the same medical facility has another invoice they can add that amount to the original one and the amount will go up and then she said as long as the amount I owe to include any new invoices is said on the phone call with me then I am notified. They can say an amount I disagreed with and not explain why and I have been notified. She said they have to send out a letter and a text and they say they did and that is notification as well. I got neither of these notifications.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive spoke with the company about this matter letting them know I didn't have any knowledge. I didn't authorize anything with my written consent. PLEASE REMOVE
Product: Debt collection

From XXXX, a company called Phoenix Financial Services submitted a collections notice on my credit report. I have no knowledge of this company or why they think I owe them anything. I disputed the collection attempt, but somehow it came back as verified debt. By whom? This is not a debt for me. I have no knowledge of them, or any reason as to why they are trying say I owe them anything.
Product: Debt collection

I keep receiving text messages and phone calls from a company called XXXX. I do not know who they are but they keep sending threatening text messages and have been reaching out to my extended family. I have never received any written communication from this company.
Product: Credit reporting or other personal consumer reports

I am formally disputing and requesting the prompt removal of this fraudulent account from my credit report. This dispute roots from a case of identity theft, for which I have filed a formal report in Federal Trade Commission. Additionally, I have reached out to the banks associated with the fraudulent account.

The banks have accepted the identity theft report 's legitimacy and known a potential system glitch that has hindered access to the records. They have assured me of the prompt removal of the fraudulent account, which have been mistakenly existing on my report for over XXXX years. 

But somehow, this fraudulent account is still existing in my report under your bureau and I'm curious what kind of confirmation process have you done. XXXX and XXXX credit bureaus no longer reporting this fraudulent account since the submission of the required documents. What about you're bureau that keep reporting this account what action you are doing? 

I take a firm stand that you efficiently remove this fraudulent account from my credit report as the banks have already removed this from their record. Your swift attention to this matter is imperative.XXXX XXXXXXXX XXXX. XXXX.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am formally disputing the accuracy and reporting of the following account on my credit report per my rights under the Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance requirements : Creditor Name Account Number XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Under the FCRA 611 ( a ), all information reported to the credit bureaus must be 100 % accurate, verifiable, and compliant with the Consumer Data Industry Association ( CDIA ) Metro 2 reporting guidelines .

I am requesting a full investigation into the accuracy and completeness of this account 's reporting. If this account is being reported in violation of Metro 2 compliance standards-including, but not limited to, incorrect Date of Last Activity ( DLA ) XXXX inconsistent payment history, or unverifiable ownership-then it must be corrected or permanently deleted from my credit file. XXXX and Equifax are already being sued for these sham investigations. 

I request that you : Provide me with the complete verification records for this account, including the method of investigation. Confirm that the reporting meets all Metro 2 data integrity standards. Remove the account immediately if it can not be 100 % verified as compliant with federal and industry standards.

Creditor did not Provide : Requested Validation Chain of Ownership ( Securitization ) Assignment Contract with Wet Signature Please respond within the legally required timeframe of 30 days. Failure to comply may result in further action being taken. I appreciate your prompt attention to this matter and look forward to your written confirmation. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

I have a private student loan through Navient originally Sally Mae for XXXX dollars for school. I have paid over XXXX dollars in the last nine years. some how the loan itself is still only down to XXXX dollars. They continue to raise the interest rate which raises my monthly payment but as you continue to pay the interest is suppose to eventually go down. I will add every single transaction in the following pages as well from the time they gave me the money to the time I started paying off the loan. Either case, its been years and because of this I am still broke every month with a child and wife. I normally wouldn't care as long as my amount owed goes down but I don't understand how XXXX dollars later I have barely made a dent into what I owe. At this rate I will never be done and have paid them over XXXX dollars. When I contacted them they had no explanation or reason why except that its a variable rate which means the rate went up and they are able to pull all interest before the principle balance. Its a vicious loop I am stuck in. I also have a federal loan too but that is going down without any repercussions as a borrower, I am happy to continue to pay. Its just this one in particular I am upset and baffled by. XXXX dollar plus and nothing has changed in nine years. If you could please look to see if it is legal and help in any way possible that would be great because my monthly finances are a great stress in my life. I work hard and continue to pay my bills with nothing to show or prove for it with a child. 

P.S. 
I did graduate but did not go into my field. This entire nine years I have paid has been out of my bank account. Yet to get my mother off the original co-signer contract I need proof of graduation. If I am the one paying then why do they need proof of graduation. It took weeks to find! seems obsolete to require proof of graduation when I have individually been the one paying.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Florida XXXX XXXX  You are in Direct Violation of the Fair Credit Report ( XXXX account # XXXX ), has violated several of my rights. 

15 U.S.C1681 section 602 A. Clearly states that I have the right to privacy 15 U.S.C1681 section 604 A section 2 : it also states a consumer reporting agency XXXX  furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

Remove this late payment and update the account immediately as u are in direct violation of several laws under The Fair Credit Reporting Act.
Product: Credit reporting

I am in the process of improving my credit score. When I notice that XXXX Bank and XXXX has done several inquiries on my credit report without my permission. I had purchase a car though them in XXXX, but the inquiries are in XXXX. XXXX report has XXXX inquiries and another has XXXX. Recently, I saw that XXXX XXXX has done XXXX the end of XXXX of XXXX. These inquiries were with out my permission. I sent a letter to the credit bureaus about the XXXX the bank has received, without a response. This is inappropriate action on the credit bureaus behalf.
Product: Credit reporting or other personal consumer reports

Failure to respond in a timely matter under FCRA consumer laws see attachments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a Investigaton, and Transunion sent a letter stating they would not investigate my dispute. They claimed the letter did not come from me
Product: Credit reporting, credit repair services, or other personal consumer reports

Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX, Equifax and XXXX Credit Bureaus failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXXBalance {$590.00} XXXXBalance {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I was hit randomly with 2 hard pulls from XXXX  XXXX On XX/XX/2019, XX/XX/2019. I never applied for anything with there bank or signed anything with there bank. I have explained to them this is fraud and that they were going to look into it. Under the fair credit act the 30 days has been up. I was told from talking to customer reps that since I did not approve my credit to be pulled that this must come off my credit file to all the credit agencies reporting. Since this is fraud. I am looking for someone to please help the situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Accounts XXXX XXXX, XXXX XXXX XXXX XXXX XXXX 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.
Product: Consumer Loan

On XXXX XXXX my bill pay service sent a payment of {$22000.00} to Chrysler Capital. These the pay service says the payment should be there with in XXXX days. Every previous payment to Chrysler financial were processed within XXXX days. Oddly the early payments were processed after XXXX of the month when payments sent as early as the XXXX. After XXXX business days of the last payment, it still was not applied to my account at Chrysler Capital. I called my bank and Chrysler Capital to find out why it has not been processed. This payment was a e-check and are received the almost immediately by the the place receiving the payment. Chrysler Capital said they never received the check and the bank service could not understand why, since all the previous checks were accepted. Chrysler Capital should be able to have any payment processed within XXXX business days of receipt. Today XXXX XXXX the check was process, after Chrysler Capital reported to the bank the form of payment was unacceptable for a pay-off. My bank absorbed the cost of stopping the check, XXXX houring of delivering a new check, and is having there payer pay the additional daily interest accumulated since the day the original should of been process. It appears that from past transactions that Chrysler Capital is not processing and checks till XXXX days prior to due date. Frauding there customers by charging more daily interest on the account. That is almost {$6.00} per day on this loan, frauding me XXXX of dollars on this loan. The could making XXXX of dollars extra on customers by not properly posting payments in a reasonable amount of time. Plus it more concerning since the same group that owns Chrysler Capital owns XXXX. Thank you XXXX XXXX
Product: Vehicle loan or lease

On XX/XX/XXXX, I called and spoke with A rep from Auto Acceptance trying to get clearance on a supposedly debt I have and a repo on my credit report that has me as a joint co owner. My ex husband XXXX XXXX had that loan and I did not authorize no one to list me as the co signer just because we were married at the time. I was only to be a reference. on XX/XX/2020 I spoke with a young lady name XXXX from auto acceptance that stated she couldnt find me in her system and then I told her it has me as cosignor and i gave her my husband name XXXX XXXX and she found it under his name. I believe they are trying to hold me responsible for his debt since i called them to clear my name and they couldnt prove to me that I owe this debt, then she said it must be in an old system that she cant access when I asked for paperwork again, so then she said to call XXXX  and I asked who are they and she said to just put in my ss # and it will direct me to the person that supposedly has that information. I was told to call XXXX press option 1, well I did that and I was transferred to mrs XXXX and for 2 days straight I got no answer and I left 8 messages between co workers and voicemail and i even put in 2 request for call backs. I called back and asked if I can speak with someone else and they said no. I asked does this person still work there and they said yes and they will send her an email to call me and still nothing as of today. I spoke with XXXX  and they refuse to help immediately because the account is still under dispute until XX/XX/2020 .I spoke with XXXX XXXX XXXX XX/XX/2020 from XXXX  i explained i couldnt verify this with the company and its affecting me getting a mortgage. He still refused to acknowledge FCRA, FDCPA & CFPB guide lines. I believe this is a scam or extortion on my credit report because no one can provide me any information on this matter or show my signature and drivers license with the original contract.
Product: Mortgage

Issue : Setting up recurring payments with Caliber Home Loans I closed on my new home on XX/XX/2019. XXXX XXXX transferred my loan to Caliber Home Loans. Every month, I have tried to set up recurring payments via the company 's website but every month I receive an error message that I can't set up my recurring payment until next month. 

I called Caliber 's customer service today ( XX/XX/XXXX ) to ask how to set up recurring payments. They told me I would need to wait until my next manual payment is processed ( XX/XX/XXXX ) and I'll then be able to set up the recurring payment anytime from XXXX XXXX XX/XX/XXXX. 

My complaints are as follows : 1 ) I should be able to set up automatic payments at any point in time in order to avoid missing a payment on my mortgage. 
2 ) If Caliber is to keep this " window of opportunity '' there should be a notification of the window of opportunity on the company 's website when I go to arrange recurring payments. Otherwise, only seeing that I can sign up " next month '' makes it look like the company is trying to make me miss my next payment. 

I am trying to meet my obligation and should be able to do so easily. Caliber is not making it easy to meet my obligation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple attempts have been made requesting removal of incorrect, unvalidated derogatory information from my credit report. Reporting company/collector unable to provide validation per FCRA specifications. The reporting company/collector must provide validation per FCRA specifications, or this item must be removed. Company/collector has also been verifiably contacted/signature received ( USPS #  XXXX ) and still unable to provide FCRA validation. This account must be removed from my credit report. If it is not resolved via this complaint, I will immediately seek monetary relief to the fullest extend allowed per the courts via Legal Counsel. 

Account being reported : XXXX XXXX XXXX 
# XXXX
Product: Debt or credit management

Possible violation of FCRA as I have reported to the comapny ( XXXX  monthly that the information in the report is inaccurate but they did niot investigate and also did not prevent individuals who had no business in my report to be in the report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have Experian boost as a settlement for XXXX 's data breach. I am unable to access my account. It says the password is incorrect. Password reset will not complete without error.It says to " try again later '' This has been a problem for months. Experian has no contact to correct this issue. The phone number only tells you to follow the website instructions. They refuse to provide access to a person. There is no email for contacting a human. I am confined to a automated phone service that is awful and incapable of providing relief. 

This service is normally ~ {$25.00} a month and they provide NO CUSTOMER service to fix problems.
Product: Mortgage

My loan was with XXXX XXXX XXXX, I had a direct phone number to my single point of contact in the CEO 's office, she promised to call me within 1 day or I could call her manager 's direct line for help, My single point of contact called me at least once a week to update any status and inform me of anything that was needed for a modification. 
This all changed with Caliber Home Loans, you receive a general phone number and one one of XXXX " single point of contacts '' answer your call and say they all are your singlepoint of contact. Each of these " single points of contact '' is more clueless than the next and have XXXX knowledge of me, my loan or my current needs or modification situation. 
I do not have any direct line for my Caliber single point of contact and have never received a return call from him. This situation is unacceptable and violates all the rules ofand purpose of having a dedicated single point of contact to work with you who understands your file and situation. I need to be assigned a real single point of contact ththat is compliant, with a direct phone number in the CEO 's office just like I had at XXXX. Please assign me a Single point of contact in the CEOs office of CaliberHome Loans ASAP. The current situation is totally unacceptable and noncompliant. 
Please conform to the rules of proper modification management and compliance.