23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have a conventional mortgage on my property. The principal balance is approximately {$92000.00}. The original balance was approximately {$210000.00}. 

My mortgage was held by XXXX XXXX XXXX, originally XXXX. As of XXXX XX/XX/2021, XXXX changed the mortgage service provider to Loan Care. That is the start of the problem. I am a realtor and am accustomed to dealing with mortgages, etc. 

I had always paid XXXX via auto-pay from my XXXX XXXXXXXX XXXX account. Loan Care supplies NO option for an auto-pay form BOA. They provide ONLY their accessing my bank account 0 which I do not allow. Thus, they require a check. XXXX XXXX XXXX sent Loan Care  a check for {$1600.00} for the XXXX XXXX, XXXX XXXX and XXXX XXXX payments. The required amount is {$920.00} per month, but I pay additional principal each month. It took 8-9 telephone calls and nearly 7 weeks for Loan Care to post said payments. 
I changed the payment date at XXXX for the XXXX XXXX payment and on XXXX XXXX, XXXX sent out the {$1600.00} payment for XXXX XXXX. Today is XXXX XXXX XXXX 23 days later ), Loan Care says the XXXX is problematic but that is not their issue, it is mine and they claim NOT to have received the payment yet and will impose a $ XXXX late fee if not received by Monday. 
I have left 4 emails requesting them to call me - I have received NO calls. 
I do believe their business practices are inappropriate and while I understand the CFPB handles many more serious issues, this is important to me. XXXX verifies Loan Care is problematic but their customer service is the worst I have seen and I do believe that their goal is to make $ and not provide service. I believe their process is fraudulent and ask you to investigate this company and help me rectify this situation.
Product: Debt collection

When I got the car it was through a buy here pay here. NO CREDIT REPORTING. The car was totaled and the company was supposed to have their own insurance on the car as well as mine. They did not put insurance on it and so I checked my credit report and noticed the company US Auto Credit was on my report. I got my car from US Auto Sales in XXXX, Ga. Which is a buy here pay here. I tried reaching out because it said that {$7000.00} was written off, yet the amount I supposedly owe is over {$13000.00}. It is being reported as on time with payments through XXXX but thats impossible as I havent made any payments due to their issues and I never took out a loan that reports to my credit with this company. Because they put this on my report and I wasnt notified of ANYTHING! You can just report something just because you want to. So being that they are illegally reporting payments being made, it has made the year of dropping off my report to XX/XX/XXXX, when from what they report it should be XX/XX/XXXX. I want this off my credit as I do not owe them anything as I never went through US auto credit. I havent received any paperwork, phone calls or anything validating this debt. Yet they have updated they couldnt find me. Another lie! This is hurting my financially and I am already going through hard times. Please delete this asap!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to purchase a home and my loan officer notified me that Equifax placed a fraud alert on my credit report which I never authorized and theyre not able to pull it. I contacted Equifax, faxed them all my documents they requested for more than 2 weeks now and they still wont remove the fraud alert for my loan officer to access my report. I have called them severally and they still wont do it. I am currently stuck because of Equifax for a home Im supposed to close this month. I called them on Friday and they didnt do it. I called them with my loan officer on Saturday and we were on the phone with them including my loan officer and still wont do it so my loan officer advised me to take this step
Product: Money transfer, virtual currency, or money service

( XX/XX/25 ) I sent money to my son via XXXX The only way I could get the transaction to go through was to send it directly from my bank account and mark it as a purchase to a vendor or business. When I learned there was a high fee associated and an excessive hold time on the funds, I escalated it to receive a refund on the fee and verify it was not a payment to a vendor and that there was no applicable, legal reason for the hold and requested he receive it. I was told my son would have to contact XXXX He did and was told the only way to get the funds was to authorize a refund, and he did. He was told the money would be released. 
Because XXXX stated the money would be refunded, I sent my son another {$500.00}, thinking the original fund were being returned. My son received those funds but not XXXX  tells me they need to escalate it again and I have to wait 1 business day just for a reply. 
The original funding was so my son could get into a temporary hotel until his new apartment is ready for move in. He had to sleep in his car in sub-freezing temperatures, which is why I escalated the request in the 1st place. Now that I have sent him another {$500.00}, with no refund date in sight, I am left with no funds to pay my own rent and have not been able to buy food for 3 days. My bank account is now over-drawn causing additional financial hardships.
Product: Credit card

The account in question is a Fidelity Credit Card. I have automatic payment on full balance due, debited to my bank account. However, the debit shown on my bank account is as follows : The debit description is VAGUE. It just shows this : ACH Withdrawal CARDMEMBER SERV WEB PYMT. 

XXXX, the service provider for Fidelity needs to update this notification to show it is from XXXX and WITH THE NAME OF the appropriate credit card account. 
A more appropriate debit description would be : ACH WITHDRAWAL, XXXX, FIDELITY CREDIT CARD. 
I warned XXXX via email on XX/XX/year> that I need a written confirmation that this will be done asap, if not I will be filing a complaint with Federal Banking regulators as potential fraud, as the description is vague. 
I got no reply. 

XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX, GA XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Former XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX  XX/XX/XXXX XXXX XXXX | XXXX XXXX, XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, AL XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Former XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX  XX/XX/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 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 card or prepaid card

At the time, I had several credit cards with American Express. Their mobile app didn't specify whether the auto pay was set up for one card or all cards. I have set it up and thought it was for all cards. To be sure, I asked a representative via online chat whether my auto pay was successfully set up ( on or around XX/XX/XXXX since it's my due date ), and the representative didn't tell me it actually wasn't set up. So, I thought the payment should already go through on XX/XX/XXXX. I also already prepared enough money to pay in my linked checking account. 

However, when I found out the payment wasn't processed, it was already late even though I immediately paid the total balance on the next day XXXX. I was worried so much and asked an online representative exactly in words " how much is the interest for my case '' ( I thought there was only interest not knowing about the late fee for this late by 1 day payment. ) ( This conversation is attached. ) The representative said, " I calculated for 6 days and the estimate is : {$17.00} ''. I then asked why it is for 6 days and asked for what if for 1 day. She said I could calculate myself, then I just ended the chat. So, I think that the late charge is approximately less than {$17.00} and it actually feels not that bad. 

On XX/XX/XXXX or XX/XX/XXXX, I saw that the late fee of {$29.00} was posted and I was actually feeling somewhat fooled since the charge is somewhat higher than what the representative estimated. But I still just called American Express and explained to them that I only paid late for 1 day, and it was because I was given the wrong information by their representatives about my auto pay. I made about XXXX calls and my request was finally accepted. When I saw the email about this approval, I thought the case has finally been solved and over. 

I would never think at that time that on XX/XX/XXXX, I was charged for a second time for {$77.00}. Just to be clear, it was never mentioned when I argued with them about the late fee of {$29.00} and I almost went crazy after seeing this. I totally felt fooled. To me, if reasonable, they could just tell me that there will be another {$77.00} charged and said if they waived the {$29.00}, the {$77.00} wouldn't be possibly waived and maybe let me choose an option. However, they said nothing about that but just treated me like a fool. I have called American Express for at least more than 1 hour now, but they just said if they submit the request for credit, it wouldn't be approved. In one of the calls, the person even told me that I could actually be waived either of the two charges, but since the {$29.00} was already waived, it was the only way. I mean excuse me no one told me about the second charge and I was never informed properly by American Express in the whole process! I don't believe they couldn't do anything to properly help me and I also can't believe that a late payment for 1 day could be charged XXXX dollars. I really feel why not just steal from me for the money, but let me go through all of this.
Product: Credit reporting or other personal consumer reports

I Recently reviewed a copy of my credit report and noticed I had fraudulent account on my report. Please remove this account from my report. They are hurting my ability to obtain credit. 
Please remove all fraudulent accounts to my report. thanks
Product: Debt collection

Since XXXX of this year ( 2017 ) I have requested Debt Validation from Calvary Portfolio Services, LLC. During the course of the past five months I have been ignored and this company has failed to produce ANY form of debt validation. However, this alleged debt is still being reported to the credit bureaus and is negatively impacting my credit worthiness. On XXXX XXXX I sent a third Debt Validation request via certified mail. The correspondence was received on XXXX XXXX. As of today XXXX XXXX, Calvary Portfolio has not responded. This company is violating my consumer rights and not adhering to the guidelines set forth under the FDCPA. 

This is not my debt and it should not be on my credit reports at all. 

I have included a copy of the third debt validation request I sent and postal confirmation of delivery.
Product: Money transfer, virtual currency, or money service

XXXX stole XXXX dollars from XXXX XXXX XXXX XXXX immediately after receiving credit card information they closed my account and said I was fraud. XXXX a small business and this might just put me out of business.
Product: Debt collection

I have attempted to resolve a fraudulent account AWA Collection is continuously trying to collect on. I have submitted my dispute to the company and credit bureaus explaining that the account is fraudulent and a result of identity theft. I attached along my disputes to both credit bureaus and AWA a copy of my police report, identification, current utility bill, address and FTC ID Theft affidavit. AWA reporting this account on my credit profile has dramatically damaged my credit score and has caused me defamation of my character. This is not my debt, I did n't create it, was n't aware of it until recent and when I became aware, I immediately contacted AWA and the credit bureaus to make them aware and correct the fraudulent reporting and collecting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Report Created on : XX/XX/2022 file Identification Number : # XXXX, provided by XXXX XXXX XXXX. Investigation Results- DELETED : The dispute item ( s ) XXXX XXXX XXXX was removed and deleted from my credit report. 

On said and about date XX/XX/2022, I received an alert from XXXX, detailed XXXX, XXXX  has flagged my account as Collection on XX/XX/2022. 

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 instruction.
Product: Credit reporting, credit repair services, or other personal consumer reports

Self Lender is submitting different and inconsistent information to all credit bureaus. I have disputed these items to the credit bureaus and the creditor verified the information as correct. It is obvious that the all the different information being reported to each bureau can not be correct. They should be reporting the same information to all the credit bureaus. l have brought this matter to their attention and yet I have not been able to get this problem resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I used to have a checking account with Great Western Bank. It was absorbed by First Interstate Bank. Prior to absorbing the company I was informed that my account number would be closed/changed because their business had a previous customer with the same account number. Despite my best efforts to maintain an account number that Id owned for 40 years. I was denied keeping my personal account. I opted to close all accounts with Great Western Bank before First Interstate took-over ownership. I completed all signed paperwork stating that the account was closed. Months later I was told that the account was never properly closed and I was now accruing fees for not having a minimum balance in a checking account that I never opened. Ive been attempting for XXXX XXXX years to get the account closed and the fees removed from the accounts ; still unsuccessfully.
Product: Mortgage

I have reached out to your agency multiple time regarding Chase, fraudulent banking practices. Chase as agreed to comply with Texas XXXX and violated the state laws but refuse to forfeit the HELO Principal & Interest, release the Lien as described by the law and reimburse the payment I made toward this HELO.
Product: Mortgage

I XXXX XXXX Pro Se litigant have asked to see the Original Promissory Note ( front & back ) since the very beginning of this housing dispute XX/XX/XXXX, after being denied a partial payment XX/XX/XXXX in person at the branch, and have been denied repeatedly, i have had no fairness in any of this, I've been steamrolled, and no one will hear me out. 
The staff involved has ignored every motion and anything else that I've placed into the docket, I've even reached out to the CFO of XXXX XXXX XXXX XXXX XXXX XXXX sending them a Money Order registered mail XX/XX/XXXX in the amount of {>= $1,000,000} ( to resolve things and have this foreclosure dismissed ) presenting it under ( Administrative Process ) through a Notary Presentment ... I've received no response back nor the Money Order was returned, according to UCC rules 4-104, A, B, they had 24 hours to refuse or except and neither was done. 
Everything I've put into this ght has been Underminded and disregarded by those above, I'm ghting to stay in my home, with no where else to reside with my family. but every time i look into the docket they've proceeded with something new, I've even led an appeal just XX/XX/XXXX and prior to the appeal, the the attorney XXXX XXXX has proceeded in certicate of title, order of sale to sheriff, and just yesterday XX/XX/XXXX it states that an appraisal has been done on my home as of XX/XX/XXXX and i had no recollection of this?? i don't understand how was this done without approaching me? 
They are moving very fast to steal my home, knowing very well they having no Standing .... during this nightmare I've repeatedly taken my Acknowledgement, Acceptance, And Re-Conveyance Of Deed, My Act Of Expatriation, Domicile, Declaration, And Allegiance, Certicate Of Acknowledgment downtown to the scal ofce to be rejected.. and have had all 3 documents recorded outside of Ohio, because the Fiscal XXXX County building states they are not to be accepted, so after i had these same documents recorded in ( XXXX County Georgia ) , it is said that any recorded instrument is to be recorded in its county ofce seeing its already been recorded. 
Yet I've been refused once again at the fiscal XXXX county building here in XXXX   ohio.
Product: Debt collection

Attention dispute department ENHANCED RECOVERY CO L XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious ENHANCED RECOVERY CO L XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/ ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit card

When I was making payments to PNC Credit card from my own bank account, there was glitch in the system of the bank, which posted duplicated payments to my PNC account. The error occurred on XX/XX/year>. We called PNC customer service the same day to correct the problem from the day. However, every time when I call them, they keep saying " We have mailed to a check, it will arrive tomorrow ''. Today, I called PNC customer service, they still keeping that, the check never arrived. The amount is {$11000.00}. Today is XX/XX/year>. The problem is still not resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted documents to TransUnion from XXXX XXXX  saying that they would remove my late payments from my credit report, and they have not updated my report yet. All other credit checking companies including XXXX have already removed the late payments after submitting the proper documentation, but TransUnion still continues to have the incorrect information.