23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Please refer to the attached for full copy of statements XXXX XXXX The last purchase made with my Victoria Secrets card occured on XX/XX/XXXX which showed up on XXXX 's statement, due XX/XX/XXXX. Unfortunately, I made the payment too close to the due date ( XXXX ) and it was received on the XXXX, generating a late fee and interest charge, for a total of {$31.00}, due on XX/XX/XXXX. On XX/XX/XXXX, a new payment for the amount due was made, leaving a {$0.00} balance in the account. And, again, I have not used the card since XXXX, so I was not tracking the account any more at this point. 

Here is where the unfair, unexplained and incoherent transaction starts. In my opinion a system error. 
A new " Fee Charged '' for {$2.00} was applied to the account on XX/XX/XXXX. This has no explanation whatsoever. Considering I've already paid my dues, actually 15 days earlier ( paid XXXX, due XX/XX/XXXX ) The {$2.00} generated late fees and more interest and late fees over and over. The balance grew up to {$30.00} ( breakdown below ). 
XXXX {$2.00} interest XXXX {$2.00} late fee XXXX {$2.00} interest XXXX {$6.00} late fee XXXX {$2.00} interest XXXX {$14.00} late fee XXXX {$2.00} interest On XX/XX/XXXX I received a paper statement ( while I'm signed up for eDelivery ) showing a total of {$30.00} balance due on XX/XX/XXXX. I should've not paid it at this time, however I did. A full payment was made, again on XXXX. 

Today, I noticed a new balance for {$2.00} posted in the account. I went and paid it. But not fully convinced of what is happening, I decided to call Customer Service and discuss. 

Spoke to XXXX with client service, and she understood the situation and credited the {$2.00} I had just paid. And offered me to transfer the call to her supervisor to apply the credit for the {$30.00} previously paid, as she was not able to process it. XXXX, XXXX 's supervisor, argued with me from the beginning, repeating herself and not listening to the full analysis I've prepared, before I called them. So I requested her to transfer me to her manager or a higher up agent. Then I was transferred to XXXX, Senior manager. Again, arguing and advising me to refer to the statements which were black and white, clear enough to anyone or close the account if I disagree to their terms and conditions. I explained, several times, that I did not disagree of being charged for the late fee in XXXX. however if I had until XX/XX/XXXX to pay {$31.00} and had paid that amount on XXXX, basically 15 days in advance, why am I being charged {$2.00} again in XXXX. It just makes no sense. 
This call was on for almost an hour. And if they really recorded it, I hope you could listen to it.
Product: Credit reporting or other personal consumer reports

I have sent a copy of both letters I attached to this complaint and informed them XXXX XXXX does not live in XXXX XXXX XXXX XXXX, XXXX Texas, XXXX. It is my address.
Product: Debt collection

I have been repeatedly called from a XXXX number regarding debt owed by my brother. I ignored the unknown number the first time and they left a voicemail stating they were calling about debt owed by ( my brothers name ). 
I later found out they also called two other siblings trying to track down my brother. 
They continued to call my number so I eventually answered, told them this was not the right number and asked them not to call again. Nonetheless, they began calling again so today I answered again. 

The caller stated that her name was XXXX XXXX, she worked for Key2 and her number was XXXX ext XXXX. 

Even though I told her this was the wrong number and I had already asked not to be called again, she continued to probe and try to determine my relation to her target and push me to get him in touch with her until I eventually hung up. 

I want this company to stop calling me.
Product: Credit reporting or other personal consumer reports

I had a loan account under which my vehicle was accepted by the dealership in full satisfaction of debt. After the collateral was accepted, the dealership continued to report this account on my credit report as a charge off with a balance of $ XXXX. When a creditor accepts collateral in full satisfaction, the debt is considered extinguished, meaning the creditor no longer has a claim against the debtor for the outstanding balance. This company is acting in violation of debt collection laws that require creditors to accurately report debt status.
Product: Debt collection

this is a debt thats over 20 years old that the company XXXX XXXX removed from my credit report and forgave a long time ago, they keep harassing my parents and this needs to stop, I have already called them and told them to stop and to removed my parents phone number from their list, this is abuse and harassment and have no basis.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( FCRA ), specifically section 604, prohibits companies from sharing your credit information without your consent I have no binding contract with LJR Associates and have never been in contact with their company. Furthermore, my personal information have been shared with this company without my consent & added to my credit report without my consent as well. 

Requested a wet in contract from the company and have not heard back. My rights are being violated and I am prepared to pursue legal matter if not deleted immediately
Product: Debt collection

I have already disputed this account, unfortunately prior to a court date, they decided to take money from my bank account well over {$6000.00} on XX/XX/2021, funds that are responsible to support a XXXX of two family members of mine, paying funds back to family members who helped put funeral cause expenses, I just don't know when a debt is written off, still they want to come back after me prior to court date on XX/XX/2021 time XXXX Department XXXX
Product: Debt collection

This is not my debt, I do not have a medical bill with this company. Please remove due to me refinancing my house.
Product: Mortgage

There was a huge rush at the end to prepare my documents and the HUD statement kept going back and forth because the Caliber Team XXXX XXXX XXXX XXXX could n't get it right. They finally said they got it right and I thought I had just had the most wonderful experience ever. 

I found several months later that they dropped for the final HUD the XXXX HOA fees that were part of the estimates and part of the first several HUD statements as we moved towards loan closure. In the back and forth Caliber obviously dropped the HOA fees, but when I started calling to find out why they HOA was past due and not paid the troubles started. 

Caliber Customer Service told me I had to call their own company and figure this out. They refused to. After that enraged me at such poor and troubling customer service, a manager finally said I will do this out of the goodness of my own heart. No that is n't a good message to deliver to a customer. So I tried calling the mortgage broker and left messages until I got XXXX team. Only to be told they did n't do anything wrong but they would look at this to see what they could do to help me! 

Again not the right type of message to give a customer. XXXX only made matters worse when she did return my call she went directly to : We provided everything in the HUD statement and you signed it. Not anything like we might have made a mistake, let 's find out. The arrogance and lack of humility has been in every statement from XXXX since. Calm down XXXX and do n't get upset ; you signed the HUD statement and if you did n't catch it then it was n't wrong. Not one word in her text or emails have been ; let 's see what might have happened. I have all of the original HUD Statements showing the fees covered, so what am I to think but Caliber made a mistake. To add the arrogance of not even indicating let us help to find if XXXX was made or not ; No Caliber is n't the type of company you want to work with.
Product: Credit reporting or other personal consumer reports

I came across the CFPB Experian lawsuit. I feel I was negatively impacted, hurting my chances at getting credit, vehicle financing, and a mortgage after receiving numerous responses to multiple earlier disputes that the XXXXXX/XX/XXXXaccount was verified after originally being deleted from my credit report and then being reinserted as verified in XX/XX/year>2024 2024
Product: Mortgage

In XXXX a predatory refinance loan was made to XXXX  and XXXX XXXX XXXX XXXX XXXX XXXX in XXXX, Ohio, XXXX. Mr. XXXX XXXX is an XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. He was awarded a XXXX XXXX designation for his service as a XXXX XXXX XXXX was all fame XXXX XXXX  system that supplied XXXX  XXXX. Mr. XXXX passed away on XX/XX/XXXX. Mrs. XXXX XXXX is presently XXXX years old and is living with the anxiety of losing her lifetime home. 
In XXXX, Mr. and Mrs. XXXX purchased their home at XXXX XXXX XXXX for {$34000.00} with a 12 % interest rate. The monthly mortgage payments were approximately {$550.00} per month. They paid this mortgage for 16 years from XXXX to XXXX totaling {$100000.00}. The home market value is underwater. The Arringtons have not missed a mortgage payment nor have they been late on their payments for the past 31 years. 

Mrs. XXXX XXXX and her family have suffered greatly throughout this fiasco. 
Their suffering was prolonged due to the many divisions of XXXX XXXX mitigation review process. Often, they were repeatedly requested to submit the same documents due to a lack of timely response on the Banks part and due to a lack of dedicated point of contact personnel. 
The XXXX familys attempts to communicate with the XXXX XXXX servicer personnel were met with difficulty and resulted in confusing and contradictory notifications and information throughout the mitigation assistance review process.
Product: Money transfer, virtual currency, or money service

The situation happened on XX/XX/XXXX there was a fraud check was put in my Bank of America account for XXXX $ and my ssa check was deposited on the 1st and didnt post until the third  and now my account has a bunch of fraud checks in it. Its over drawn by XXXX $ and it was all done by individuals that I have stolen all my personal information and they have been doing this for years. And I have made several different reports and nothing has been done about it. I have made police reports and irs fraud reports and social security fraud reports and bank fraud reports and none of this places are doing anything to fix the issue.
Product: Vehicle loan or lease

I received a loan for the purchase of a boat in XXXX from XXXX XXXX, a division of Santander USA. I paid the loan in full in XXXX of XXXX. 

The boat was documented with the Department of Homeland SecurityXXXX XXXX and did not have a state title. 

The boat was sold in XXXX of this year. When I requested the documentation/title be changed with the XXXX XXXX to the new owner I found that there was an open lien with XXXX XXXX as trustee servicer for XXXX XXXX. The bank has sent a lien release to the XXXX XXXX but has not included the legal description of the person signing the lien release. Because of the lacking legal description the XXXX XXXX will not accept the lien release and I am unable to transfer title to the new owner.
Product: Debt collection

I am connected to CFPB complaint number XXXX, filed by XXXX XXXX XXXX, an issue concerning an incomplete lease contract for which I was the guarantor. The apartment community, XXXX XXXX   XXXX XXXX XXXX, FL, contacted the guarantee and told her that she had not completed a full lease and needed to sign a final copy of the lease in order for it to be complete and to be able to move in ( there is a voicemail and screenshot of the day the call was received attached ). Having been told by property management themselves that she never finished a required portion of the lease to be liable, she never moved in, nor did she receive keys to the property. 

However, XXXX XXXX XXXX falsely reported to the creditor, XXXX XXXX XXXX, that we had signed a full lease and were liable for the entirety of the rent, a claim the guarantee, XXXX XXXX was able to dispute with Transunion and get completely removed from her credit history. As the would-be guarantor and after filing a dispute over the same issue, Transunion would not remove this very same issue from my credit report. The claims were unfounded, and again, it is the exact same claim that was disputed and ultimately removed from the guarantees credit history. I am asking that Transunion remove this false charge from my credit history, since the other claimant involved in this dispute was successfully able to do so after being found not liable for the amount the property falsely reported to the creditor. The claim the property made was deemed unfounded by Transunion and the guarantee was found to owe nothing to the property, as should be the case for myself as the guarantor as well. The Transunion dispute number for XXXX XXXX is XXXX, and the notification sent from Transunion that the charge had been removed is also attached.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for XXXX XXXX XXXX have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XX/XX/XXXX) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can & # XXXX ; t be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Product: Debt collection

Navient agent XXXX has been calling my neighbors and my wife 's work after we have told them repeatedly to stop. We have told them repeatedly to stop calling her work and our neighbors but they continue. They say they will take the number out of their system, but we have voicemail proof they still call.
Product: Credit reporting or other personal consumer reports

I sent a letter to Experian asking them to reinvestigate these accounts : XXXX XXXX # XXXX .They sent me their investigation and said these accounts are complete and accurate. 
1-I have never been late with the payments XXXX XXXX company is lying.I had attach the evidence that every time I dispute this information XXXX XXXX responds moving the late payments date again and again. 
2-XXXX  XXXX is reporting my account as a shared responsibility with XXXX XXXX XXXX XXXX who did not have a SSN and never live in the USA because she enter first time to United Estate at XX/XX/XXXX and XXXX XXXX XXXX was opened at XXXX an I had attached official documentation that proof it. 
3-XXXX  XXXX requested to the report agency to remove the account information in XXXX XXXX XXXX credit report and although I dispute this inaccurate information in my credit report XXXX XXXX update keeping the same information in my report, then they report different in a join account ( 2 COSTOMERS, SAME ACCOUNT, DIFERENT REPORT ). 
I looked at my report and noticed everything is still the same.. 
and according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( il ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
and according to 15 USC 1681eb they are supposed to ensure this b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

And according to 15 USC 1681s-2 this os suppose to happen ( A ) Reporting information with actual knowledge of errors 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( i ) the information is, in fact, inaccurate. 
Experian really did not reinvestigation they lied on an offical document saying they did something they did not do and I have evidence to prove my case.Please check the documentation added.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have try & try over the for years to get the the credit bureaus to remove stuff from my credit report but they refuse.I see things such as XXXX XXXX # XXXX & XXXX # XXXX & XXXX XXXX  again # XXXX & XXXX XXXX & XXXX XXXX XXXX # XXXX & XXXX XXXX # XXXX XXXX XXXX # XXXX & XXXX # 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 reporting or other personal consumer reports

I, XXXX XXXX was attempting purchase a home for my and my children. This when I realized there are severe damages to my credit report. According to the 15 USC 1681 law there should not be any damages on my report. This is a defamation to my character.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've had collections from XXXX XXXX and XXXX XXXX XXXX that been deleted from my credit report and reinserted without notifying me at all and that is a violation of 15 U.S Code 1681i ( 5 ) ( B ) ( ii ) ( iii ). These items was deleted and you reinserted them without notifying me 5 business days after and certifying that the items was validated properly.
Product: Credit reporting or other personal consumer reports

please CC all companies you are finding below THAT ARE HIGHLIGHTED. CC : TRANSUNION XXXX : XXXX XXXX : XXXX XXXX : XXXX  ( XXXX XXXX XXXX ) CC : SOS OF FLORIDA. This notice is to inform you that someone unlawfully reported an unauthorized account on my consumer report. I have not given you written permission to put anything on my credit profile.. The purpose of this letter is to dispute the validity of the debt being claimed under the XXXX XXXX XXXX XXXX ( XXXX XXXX ). I strongly believe that this alleged debt is in direct violation of the XXXX XXXX XXXX XXXX, which prohibits any form of debt bondage or involuntary servitude arising from human trafficking. I am a victim of XXXX XXXX.
Product: Student loan

My wife has a ten year old student loan outside the statutations. This loan was paid through IRS garnishments and even overpaid. Ten years later getting notices from Dept of Education regarding XXXX XXXX program. XXXX XXXX XXXX XXXXXXXX TX. XXXX. Can someone look into this. There is no default loan. It's over tens.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed in attachment which appears on my credit report, does not relate to any transaction ( s ) that I have made. 
It is the result of identity theft. 
I have disputed these accounts with you since XXXX of XXXX, and NO action was taken. 
section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within FOUR BUSINESS DAYS and to promptly notify the furnisher ( s ) of that information. As consumer I am requesting these accounts to be deleted IMMEDIATELY Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled.

A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.
Product: Credit card or prepaid card

US Bank is reporting three late payments stemming from XX/XX/XXXX until XX/XX/XXXX. During the time of the occurrences, I was unemployed and should have maintained a deferred status for the late payments but rather my credit score has taken a hit. I have contacted US Bank multiple times in reference to the matter, disputed the occurrences, emailed the CEO to no avail in helping correct the matter. My credit score is being affected. I have had this secured card for 2 1/2 years, since XX/XX/XXXX, outside of the 3 payments which should have been deferred, I have never missed any payments. I would like to have US Bank correct this error.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. I was going through my records & noticed many items which do not belongs to me. The disputed items do not belongs to me. Im attaching my FTC Report for you to investigate also about this matter. Please remove these inaccurate items from my file : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance XXXX {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, XXXX  ; XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXX/XX/2021.
Product: Mortgage

-New Complaint Process Relating to Response-SN Servicing Corporation- The steps the corporation has taken or are taking moving forward to address complaint, XXXX : It appears that SN Servicing Corporation has and or will be taking to address this complaint thus for has been discouraging, unprofessional, and illegal. 
Therefore, I am submitting another complaint currently. Since XX/XX/2019 when the first complaint was submitted to XX/XX/2019, I have received treating and suspicious phone calls and voicemails to my mobile device, main number and my XXXX recorded line, which I only gave to the Asset Manager of the loan. I have received suspicious mailings to my home address. Also shockingly a few mailings from SN Servicing Corporation ; with incorrect documentations concerning the load, unofficial letters of the companys foreclosure specialist, escalation of monthly statements ( monthly statements received only a week apart ), with incorrect transactions printed, and a returned monthly payment which should have been posted to the loan for XX/XX/2019. 
I will submit supporting document for this complaint this week. 
On each letter it states that should I have any questions call the Asset Manager assigned to the account. The last phone contact I had with the Asset Manager was unproductive a few times the individual was communicating in a yelling tone. I was told we could not discuss anything further unless we discuss including the XX/XX/2019 payment to be made to SN Servicing Corporation. This home servicing corporation did have access to the loan until late XX/XX/2019. XX/XX/2019, I received the documented time of transfer which is XX/XX/2019. 
I received an account number on XX/XX/2019 and was told over the phone for a SNSC customer service department that I would not be penalized for a late payment at this time and that SN Servicing Corporation must secure the complete file from the previous mortgage servicer and an account number had to be applied to the account