23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I received the following notice via email that I am going to be charged a " transactional fee '' to make an online payment. Please note that Caliber Home Loans had previously " suggested '' that I opt out of receiving paper notices. This seemed reasonable, as my info is all online anyways. Plus I knew that it would save the bank processing fees, and this seemed like the " right thing to do ''. 

So now they want to repay my consideration for their cost of doing business by charging an absurd additional processing fee? 

I have always made this payment on time, between the five-days period two days prior to 2-3 days after the first of the month ( probably 90 % of the time on the first day of the month ) ; I've never had to pay a penalty. 

In the recent email, the company states that if I wish to pay with a check via mail, I can avoid the fee. 

( I suppose the purpose of that is running the risk of checks getting " lost '' in the mail, so they could charge late fees? ) How could the cost to the bank of hiring and paying someone to process paper checks sent through the mail possibly be less the automatic processing of online payments? - There's no point in trying to answer that question. It's impossible to add human agency to a financial transaction at less cost than an automated online payment. Period. 

This fee is a sophisticated scam by a grasping bank manager to bilk honest mortgage payers, pure and simple. The sole intent and purpose is to add an additional amount to the payment of my FHA loan : paying a fee to make a payment! 

Shame on Caliber Home Loans. 

I will also be writing to my congress-person. 
: -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Email from Caliber Home Loans -- -- -- -- -- -- -- -- -- -- -- -- - Were writing to inform you of a change which may affect monthly payments made to Caliber Home Loans , Inc . 

Beginning XX/XX/2018, each one-time loan payment online or through the Caliber Home Loans mobile app will be assessed a {$3.00} transactional charge. However, theres an easy way to avoid paying this monthly charge ... and its also a time saver! 

Choose recurring loan payments and skip the fees Also known as automatic payments, our recurring loan payments enable you to set and forget this monthly task. You can set up recurring payments with your Caliber Home Loans mobile app, or by logging into your account at caliberhomeloans.com. 
As always, you may continue to pay by mail without charge by sending your payment to Caliber Home Loans , Inc., XXXX. XXXX XXXX, XXXX, TX XXXX, or for overnight delivery, send to Caliber Home Loans, Inc. Attn : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX TX XXXX. 

You may also make your payment 24/7 using Calibers automated attendant at XXXX. Transactional charges may apply. Visit Fees & Fee Descriptions for more information. 

Thank you for being a valued Caliber customer! 

Caliber Home Loans Copyright XX/XX/2018 Caliber Home Loans, Inc., XXXX XXXX XXXX XXXX, XXXX, TX XXXX ( NMLS # XXXX ). XXXX. All Rights Reserved. Equal Housing Lender.
Product: Debt collection

I DISPUTED THIS WITH  XXXX  CREDIT BUREAU REGARDING CREDIT MANAGEMENT LP DUE TO THE FACT THAT THIS COLLECTION AGENCY IS STILL REPORTING THAT I HAVE AN OPEN ACCOUNT UNPAID. THE CREDIT BUREAUS INVESTIGATION WAS VERY POOR. I HAVE A RECEIPT LETTER AND I HAVE A BANK ACCOUNT SHOWING THAT THIS WAS PAID IN FULL. I DISPUTED THAT I WAS NO LONGER LIABLE AND THAT IT WAS CLOSED. I WILL BE FILLING A COMPLAINT TO  XXXX  AS WELL FOR NOT DOING THERE DUE DILIGENCE. THIS COLLECTION AGENCY IS STILL LYING AS YOU WILL SEE BY THERE RESPONSE TO THE CREDIT BUREAU.
Product: Debt collection

10 years a go my wallet was stolen, I reported all my stuff, someone still managed to take a withdrawl from my account, of like XXXX dollars. Apparently along the lines this went into collection. This company was harrassing me to the point where they said they were gon na garnish my wages for like {$4000.00}, unless I start a payment plan with them for 2000. So they convinced me reluctantly to give my card info, and now they are taking out unauthorized payments and my kids have no XXXX. They are called XXXX XXXX and XXXX.
Product: Credit card or prepaid card

I opened an XXXX XXXX interest free credit card with Barclays bank back in XXXX ( XXXX XXXX XXXX ). I had planned to pay out that account and not be charged any interest, however on XX/XX/XXXX I was charged the full {$1000.00} interest charge without being contacted by this institution. 

This took the balance from Previous Balance as of XX/XX/XXXX {$1600.00} Interest Charged + {$1000.00} Statement Balance as of XX/XX/XXXX = {$2600.00} I contacted the company and was unable to reverse the charge even though I was prepared to pay the card in full at that time. 

On XX/XX/XXXX I transferred the balance to a new XXXX  XXXX XXXX account and called the company to close out the account. 

I just logged back in out of curiosity and the account is still active! I contacted the bank ( I will attach the correspondence ) and was told I'd need to contact their RETENTION team. I have no wish to retain services with this bank and feel that not only is this charge predatory, but also this retention is more than unreasonable.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are accounts and addresses on my credit that do not belong to me. Please remove them. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

trans union is reporting accounts, with no creditor up date that the creditor is reporting to the c.f.p.b. as of XX/XX/2022. account XXXX  XXXX XXXX account reporting credit limitXXXX XXXX XXXX.on a I.R.S. forgiven debt, remarks charge off as bad debt, amount pass due $ XXXX accounts # ending in XXXX and account XXXX.accounts XXXX XXXXXXXX account bal. {$410.00} past due amount $ XXXX accounts ending in XXXX -- XXXX XXXX XXXX responded XX/XX/2022 that it reported to the credit bureaus to update those accounts with non-monetary relief. trans union have not did this. -- -- -also XXXX. sent a letter stated a 1099-c to account, XXXXXXXX  account ending in XXXXthis account is reporting with trans union with remarks, charged off as a bad debt.five documents sent by mail, today.ID complaint on it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account reporting on my credit file that is not mine. I have disputed the account with WELLS FARGO and XXXX. Please investigate and remove the items. Both WELLS FARGO and XXXX are violating : FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. 

Thank you, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 


This is a violation of both XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. Please see attached file for these items I am complaining. 
"
Product: Debt collection

This bill has been filed to my insurance and should be removed from my credit reports. XXXX XXXX service is the original creditor. The amount of the bill is {$1200.00}. The date of the account opened on XX/XX/2017.
Product: Checking or savings account

Never use a Capitalone360 checking or savings account. Now all my money is blocked, in brunch on the phone, a blatant woman explained to me that I have a lot of claims transactions. I was given dispute credit more than I have money in the bank. What? I looked at the statements for the last year. What fake information she gave. I have more than a few thousand more of my money in a savings account. You can close my accounts but give me my money. People without education who really know nothing about banking work there. Very soon I need to contact a lawyer, and try them for the fact that they illegally held my money. They dont care what can be, I dont have money for what to live? What to buy products and pay for a credit card? This is the first time in my life when I had such a story.
Product: Mortgage

Hello, I sent our Mortage Loan holder the following email. I do not understand why they can not waive the late fees. the fees are accumulating on our account and we can not do anything about it. i pay my mortgage every month but after the XX/XX/XXXX is there any other recourse i can take?? also, there was one month when i was out of work and i did not have the entire XXXX, so we sent in the principle only thinking they would credit our account. But instead they held the payment and put us in default and we were charged late fees, it took me months to finally pay the bal to get out of default. I am not sure that was even legal to do. 



Dear Selene, I am sending you this email regarding my mortgage loan and late fees. I have appealed to you before regarding the late fees you continue to charge my account. I had explained to you before, that we can not pay by theXX/XX/XXXX of the month because my husband is retired and his money comes at the end of the month. we do not have an addtional XXXX to send to you before the XX/XX/XXXX Before our mortage was acquired by you, we had XXXX XXXX XXXX, and they worked with us to waive the late fees. I pleaded to you to do the same. You pride yourself in helping your customers but i find this is not true. now the late fees are adding up and it is horrible. once again I ask that the late fees be terminated. we do pay each month but the end of the month. Or if you can give us one month reprieve, so that we can pay by the XX/XX/XXXX that will work also. Please advise XXXX XXXX XXXX XXXX XXXX XXXX RI XXXX XXXXXXXXXXXX XXXX # XXXX
Product: Debt collection

Per FCRA 15 USC 1681 AND 1692, VALDATION OF DEBT WAS REQUESTED. VALIDATION HAS NOT BEEN PROVIDED THAT INCLUDES WRITTEN DOCUMENTATION., SPECIFICALLY, DEBT CONTRACT; ASSIGNMENT CONTRACT; PURCHASE AGREEMENT, STATUE OF LIMITATION; DATE OF LAST MISSED PAYMENT; AGREEMENT GIVING 3RD PARTY RIGHT TO COLLECT/PUBLISH; PURCHASE AGREEMENT; LICENSE TO COLLECT IN NEVADA.  COLLECTORS CANNOT IGNORE LAW TO PROVIDE SUCH INFO TO VALIDATE THE DEBT AT THE CONSUMERS REQUEST.  A WRITTEN REQUEST WAS ISSUED AND MAILED ON XX/XX/2024 TO THE 3 MAJOR CREDIT BUREAUS AND TO PORTFOLIO RECOVERY AND IT WAS IGNORED.BY PORTFOLIO RECOVERY.  PORTFOLIO IS PUBLISHING NEGATIVE INFORMATION ABOUT ME TO A CREDIT BUREAU WITHOUT MY PERMISSION OF 3RD PARTY INTERFERENCE AND WITHOUT WRITTEN VALIDATION THAT THIS IS MY DEBT.  I DEMAND THIS ITEM BE REMOVED FROM MY CREDIT REPORT UNTIL OR UNLESS THE DEBT IS VALIDATED AS PER MY CONSUMER REQUEST.  NEXT I WILL ISSUE PRE-ARBITRATION NOTICE. CORRESPONDENCE TO CONSUMER SHOULD BE DIRECTED TO XXXX XXXX XXXX XXXX XXXX, NV XXXX
Product: Credit reporting or other personal consumer reports

Fraud accounts unverified and sent to local police are being relisted. Please block all fraud accounts and related inquiries per FCRA, XXXX XXXX and CFPB. 

XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charges filed with Arizona supreme court for all 3 credit reporting agencies : Litigation ref # XXXX -Officer XXXX ORIGINAL POLICE REPORT ON FILE address, emails, bank statement, FTC, police report and ID attached for full verification
Product: Credit reporting or other personal consumer reports

XXXX XXXX HAS ERRONEOUSLY REPORTED INFORMATION ON MY CREDIT REPORT WITH ALL THREE CREDIT AGENCIES. THE INFORMATION ON THE CREDIT REPORT IS INACCURRATE AND I AM UNABLE TO ACCESS THE FILE WITH THIS AGENCY. THE LENDER XXXX XXXX HAS NOT PROVIDED ANY DOCUMENTATION OF THE FINAL RESOLUTION OF THE LOAN, CHARGE-OFF, PAYOFF STATEMENT, DEFICIENCY JUDGMENT OR THE LIKE WHICH IS IN VIOLATION OF MY FCRA RIGHTS. I AM UNABLE TO REACH THE LENDER WITH ANY OF THE INFORMATION LISTED WITHIN THE CONTENTS OF THE CREDIT REPORT. XXXX XXXX XXXX regarding account # XXXX. Sections 9 and 20 of the FTC Act Section 9 of the FTC Act authorizes the Commission to require by subpoena the attendance and testimony of witnesses and the production of all such documentary evidence relating to any matter under investigation. 15 U.S.C. Sec. 49. Any member of the Commission may sign a subpoena ( pursuant to a Commission-issued resolution for compulsory process in the matter ), and both members and examiners ( employees ) of the agency may administer oaths, examine witnesses, and receive evidence. Id. ; Commission Rule 2.5, 16 C.F.R. Sec. 2.5. If a party fails to comply with a subpoena, the Commission may seek enforcement of the subpoena in [ a ] ny of the district courts of the United States within the jurisdiction of which such inquiry is carried on. 15 U.S.C. Sec. 49. After the Commission files its petition to enforce a subpoena, and following receipt of any response from the subpoena recipient, the court may enter an order requiring compliance. Refusal to comply with a court enforcement order is subject to penalties for contempt of court. The XXXX of XXXX routinely uses the subpoena provisions of Section XXXX to investigate alleged unfair methods of competition and other antitrust violations. By virtue of the FTC XXXX Amendments of 1994, the XXXX XXXX XXXX also may use civil investigative demands ( CIDs ) for investigations of possible antitrust violations. However, the XXXX XXXX XXXX XXXX may use only CIDs, rather than subpoenas, to investigate possible unfair or deceptive acts or practices. FTC XXXX Sec. XXXX, XXXX5 U.S.C. Sec. 57b-1. The scope of a CID is different from that of a subpoena. Both subpoenas and XXXX may be used to obtain existing documents or oral testimony. But a CID may also require that the recipient file written reports or answers to questions. 15 U.S.C. Sec. 57b-1 ( c ) ( 1 ). In addition, Section 20 expressly authorizes the issuance of CIDs requiring the production of tangible things and provides for service of CIDs upon entities not found within the territorial jurisdiction of any court of the United States. 15 U.S.C. Sec. 57b-1 ( c ) ( 7 ) ( B ). Under Commission Rule 2.10, 16 C.F.R. Sec. 2.10, a party may raise objections to a subpoena or a CID by filing a petition to limit or quash. Such petitions will be resolved by the full Commission. The Commission may petition a federal district court to enforce the subpoena or CID in the event of noncompliance, although permissible venue is narrower in a XXXX enforcement action than in a subpoena enforcement case.
Product: Credit reporting or other personal consumer reports

I found unauthorized inquiries on my report violating 15 USC 16c-2. Please remove them to prevent further harm.
Product: Debt collection

CREDENCE RESOURCE MANAGEMENT XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX This company above reported me to XXXX for collection, which I don't have any account with them. however basis on the information from XXXX Original Creditor was XXXX XXXX XXXX. which I closed the account with them. The chat transcription with XXXX XXXX XXXX was the account closed and XXXX due or any amount. I have the transcription for dispute
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.

Account Name : XXXX XXXX XXXX  Account Number : XXXX  has violated my rights. Or list of inquiries 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

My information was exposed and used due to a Rhode Island Department of Human Services Date Breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regarding XXXX Closed account - Company has not provided accurate information on my credit report. I have reach out multiple times. The company has not investigated and has only updated and changed dates. last activity date is inaccurate, closed date is inaccurate.
Product: Credit card or prepaid card

I submitted a {$200.00} gift card to be sold on the XXXX XXXXwith the confirmation email indicating I should receive payment within 1-3 business days. After two weeks of hearing nothing, I reached out to XXXX  supportwhich is limited to an email account. That email went unresponded to, so I attempted to call Blackhawk, its parent company, and was put directly through to voicemail despite it being business hours. When I left a voicemail, I additionally received no response. After browsing public reviews left by countless others both on sites such as XXXX as well as directly with the XXXX, I am concerned this company is committing fraud against the public and operating on a license that should be reviewed.
Product: Debt collection

Around XXXX I submitted a complaint about a debt collector ( XXXX XXXX ) that resulted in a removal of the debt from my credit report due to their failure to send notice as well as their failure to validate that I owed it. 
Since then, the debt was sold to a company named Senex Services Corp. This collection agency also reported the same account as a legitimate debt to the credit bureau without sending me notice. I contacted the company and requested validation and they have not provided it and will not remove the information from my credit report. They reported it in XXXX. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit report and I seen some inquiries that I do not recognize from JPMCB on the dates of XX/XX/21, XX/XX/21, XX/XX/21 I do not recognize these. Please investigate and provide me with the original copy with my original signature for all the dates to provide proof I do not recall these inquiries please remove them.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding the continued presence of fraudulent items on my credit report. Despite submitting disputes and providing supporting documentation on multiple occasions, these fraudulent accounts persist, and my previous attempts have not resulted in their removal. I am deeply concerned about the accuracy and integrity of the information contained in my credit report. The Fair Credit Reporting Act ( FCRA ) mandates that credit reporting agencies thoroughly investigate and promptly correct any inaccuracies brought to their attention. 
However, your agency has consistently failed to fulfill these legal obligations in handling my case. The ongoing presence of these fraudulent items on my credit report has caused significant distress and financial harm. It has adversely affected my credit score and has impeded my ability to access credit and financial services. I would be appreciate if you would help me conducts an immediate and thorough review of my dispute and expedites the removal of the fraudulent items from my credit report. Furthermore, I request written confirmation detailing the steps taken to address this matter and the resolution thereof. With this, I am asking for your assistance to remove the fraudulent items : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act this creditor account has violated my rights under 15usc 1681 section 602 states I have the rights to privacy. 15usc 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instruction under 15usc 1666b a creditor may not treat a payment on a credit card account under and open and consumer credit plan as late for any purpose.
Product: Debt collection

on XXXX XXXX 2017 i recieved a letter from XXXX XXXX XXXX. about a credit debt thinking it was a scam i ignored it. went to apply for auto loan and was denied due to collections ( XXXX XXXX XXXX. ) I went on to the credit beauro 's sites and posted disputes not one but twice after XXXX XXXX refused to accept the fact i had disputed it as fraudulent i called them and they did not want to listen as i told them if was a fraudulent account and the bill was not mine far to say they said i would have to have proof well i filed with the federal trade commission identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has a fraudulent inquiry on my credit report.cThe fraudulent inquiry on my credit report is from XXXX XXXX inquiry is from XX/XX/2021.
Product: Credit reporting or other personal consumer reports

These inquiries are unauthorized and have been furnished without my consent. There was no permissible purpose and is a violation of 15 U.S.Code 1681b ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) multiple times over. Remove these inquiries ( XXXX XXXX, XX/XX/XXXX  ; XXXX XXXX XXXX XXXX, XX/XX/, XXXX XXXX XXXX, XX/XX/, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ; XX/XX/XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX  ) as seen in the attached. 
Also these unauthorized inquiries which allowed third parties to obtain my consumer report under false pretenses has brought damage to my consumer report and reputation in the amount of {$1000.00} dollars per inquiry and EQUIFAX is in violation of 15 U.S.Code 1681n ( a ) ( 1 ) ( A ) and is liable for each inquiry. Find my invoice attached.
Product: Debt collection

I just recently Looked into my credit report XX/XX/XXXX i saw some hard inquiries that i did not have pemissible purpose. I also attached evidence XXXXXXXX XXXX XXXX ( XX/XX/XXXX ) This inquiry has no permissible purpose to be on my report Delete this inquiry due to violation of 15 USC 1681B
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX