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

XX/XX/2021 To : CFPB/Dept. of Business Oversight From : XXXX XXXX RE : Caliber Home loans loan # XXXX CFPB, I woke up today to my credit monitoring indicating my score dropped 51 points due to my mortgage servicer Caliber transferring my loan and upon transfer showing I am 120 days late. I have been under forbearance with Caliber and all recorded phone calls have verified my credit report would not be impacted. They lie yet again. Documents dated XX/XX/2021 show my trial payment plan in which I have made all payments ON TIME. They decided in the middle of the trial plan to TRANSFER MY SERVICING TO XXXX XXXX- HOW THIS IS LEGAL IS BEYOND ME AS NOW THAT IS ENTIRELY IMPACTED AS WELL. XXXX XXXX DOES NOT HAVE THE CORRECT DATA TO MY LOAN. 

Payments were made to Caliber for XXXX and XXXX. They transferred my loan on XX/XX/XXXX and the last XXXX payment was made to XXXX XXXX. 

All three credit bureaus report now as of XX/XX/2021 that my mortgage is 120 days past due. How is this legal and acceptable based on being impacted by Covid when I have made payments on time and can easily prove that? Why do they get away with this? I was just going to try and refinance in a few months and now this will delay or not allow me as a consumer to get a refinance to lower rate. 

I have done all that Caliber has asked, made my payments on time, suffer through their transfer now and its continuing to hurt me as the consumer. I am blessed my wife is both a lender and has her law degree as we find its no use to even call them to rectify, we have to report this to the CFPB to get corrected on ALL THREE BUREAUS.

Please help us, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I have had enough of PayPals lies. I tried to withdraw money yesterday to my debit card and it said it would take 30 minutes to reach my card. Then it was held for review and the person I spoke with at PayPal assured me it would be released by XXXX XXXX today. Now its XXXX XXXX today and the money still has not been transferred. You can not get these fraudsters on the phone since hold times are more than an hour, so they just keep your money against your will. It is disgusting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ( as a Consumer under 15USC 1692a ( 3 ) protected under Federal laws ) never gave Your agency my written consent to share any of my personal information with any consumer reporting agency, under 15USC 1681b ( a ) ( 2 ). And 15USC 1681a ( 4 ), my right to privacy.
Product: Credit card or prepaid card

I have a taken a loan of {$4000.00} from care credit.They were promotin 0.0 % Apr for 12 months then 29.00 %. 
I paid {$3100.00} in the 12 months.The remaining balance was $ XXXX.I thought i will be charged 29.00 % APR on remaining balance. 
I was surprised to see the bill of {$1900.00} in the next month.Then when i looked at the fine terms it was said they charge interset on whole balance after 12 month term. 

I have other credit cards all of them charge APR on remaining balance. 

i think it is unethical banking.Please help me
Product: Credit reporting

follow the steps to get my free credit report from Equifax and as I was about shoes right down the confirmation number and do my report lost connection I was not able to retrieve information have no way of getting my information at this point and make my report so can someone tell me how I can retrieve my report after losing the information on the site retrieving
Product: Debt collection

Repeated Automated phone calls over the last month everyday all day Under the disguised phone number " ACCOUNT SERVICES '' I attempted to answer a couple times and press associated numbers tom speak to a live associate and the numbers pressed were flat out unrecognized on three attempts with 3 different phone calls from the MOBSTERS during a 6 month " STATE OF MICHIGAN SHUT DOWN '' and the 'WORLD PANDEMIC '' COVID-19. 
The economic disaster is just the beginning of what i expect to be a major financial crash bigger then the GREAT RECESSION in terms of banks balance sheets, note buyers, and the theft of AMERICAN TAXPAYERS. ROBBING XXXX TO PAY XXXX. 

THE CFPB/XXXX should ensure that these corporations assist all AMERICANS in an effort to minimize the problems that XXXX CREATED WORLDWIDE. No not TREAD ON ME! 

FOIA ... Did Citi Bank participate and receive money from the AMERICAN TAXPAYERS distributed by the CARES ACT???
Product: Consumer Loan

I purchase 2012 Honda Civic from XXXX located at XXXX Mo. XXXX. The finance man XXXX got the worse financing at 28 per cent from American Credit Acceptance XXXX, SC XXXX. XXXX got financing with a credit score of XXXX my credit score is XXXX for XXXX. 
The car was financed at {$7100.00} at {$250.00} for 48 months for total payment of {$12000.00} with my Down Payment of {$2000.00} for the Total Price of the Car {$14000.00}. 
I feel XXXX from XXXX got to be the worse finance man in use car history because I know of no one who has 28 % interest on a car loan. 
I want an investigation into XXXX and American Credit Acceptance. Also XXXX advertised the 2012 Honda Civic for {$7900.00} but in small print that was the price if you paid in cash that was pointed out to me by XXXX the finance man after I informed him they over charged me {$1000.00} for the vehicle. XXXX stated because of my poor credit score the price would be {$8900.00}. 
I want an investigation into XXXX and American Credit Acceptance. 
Waiting to hear from you. 

XXXX
Product: Checking or savings account

Upon the death of my father, in XXXX XXXX XXXX, I have attempted as the Trustee of my fathers affairs attempted to take possession of my fathers assets, which are almost completely held in his trust with JPMorgan Chase. On XX/XX/year>, I went to the Chase branch on XXXX XXXX XXXX, XXXX, XXXX  bringing all the documents that are required to make the transfer of the assets into an estate account, so that I could manage his affairs. I have visited the branch XXXX times, and still the branch has not provided me with access to my fathers trust account. I have had to explain several times to Chase bank employees that this is a trust, setup with the explicit purpose of simplifying the adjudication of my fathers estate upon his death, so that it does not have to go through the XXXX  probate process and as such does not require probate documents to be provided to the bank. I had to talk to Chase customer service estate experts to provide the branch instructions on how to provide me information about his accounts through the Date of Death Balance Letter, which I did not receive until XX/XX/XXXX. 

I am extremely frustrated that this has already required six in-person visits to the branch and most of the month of XXXX to conduct a process that should be a standard procedure for Chase. There is nothing complicated about this trust. The trust agreement was prepared by an attorney licensed in the state of California, whose council I have retained. I have also reviewed the California Courts rules for XXXX XXXX XXXX XXXX, so I could explain to the bank that trusts do not go through the Probate process, which the bank should already know since my dads Chase Bank was in the state of California. 

I should not have to train Chase staff on how to set up an account for an estate. To ensure that I am compliant with the laws of the state of California, I have retained my dads lawyer, who drew up my fathers trust agreement and will. I have reviewed the California Courts rules for XXXX, XXXX, and XXXX. 

As I have mentioned I have been to the local Chase Bank six times. I have also contacted Chase Customer Service and Chase Compliant Escalation, and no one seems to be in any great hurry to give me access to my fathers assets.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified account listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/2022, but no answer was received. This account must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate this account, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 
XXXX XXXX Balance : {$19000.00}
Product: Mortgage

In XX/XX/XXXX, PHH Mortgage refunded me {$3100.00} after a flawed escrow analysis listed my city property taxes as {$0.00}. They lowered my monthly escrow contribution based on this mistake. I continued paying the lower amount as billed. 

In spring XXXX, I called PHH and asked why my escrow payments seemed low. They assured me everything was correct. 

Then, in XX/XX/XXXX, they issued a new escrow analysis claiming a {$5400.00} shortage, and began collecting XXXX XXXXXXXXmonth to recover it. I paid that amount for 11 months {$1200.00} total.

I sent two formal written requests ( Qualified Written Requests under RESPA ) asking for a breakdown of the refund, the shortages, and how my payments were being applied. PHH acknowledged both but failed to provide any reconciliation. 

In XX/XX/XXXX, PHH issued yet another escrow analysisnow claiming a new {$4900.00} shortage and charging XXXX XXXXXXXXmonth for 12 months. This replaced the old plan but did not credit the {$1200.00} I already paid.

PHH has now admitted twice in writing that the {$3100.00} refund was caused by their error. Yet they are attempting to collect over {$6200.00} total, without accounting for prior payments, rising costs, or justifying the difference. I have received no full breakdown or itemized reconciliation.

I am concerned PHH may attempt to resolve this by canceling the {$4900.00} but quietly keeping the {$1200.00} already collecteddespite their own error being the cause of the refund. If the original mistake was {$3100.00}, they can not lawfully recover over {$6200.00} without a full accounting.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX Balance : {$7800.00} ; XXXX XXXX XXXX XXXX Balance : {$2800.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$3000.00} ; XXXX XXXX XX/XX/20 If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Vehicle loan or lease

My loan for our XXXX XXXX is a mess. Payment is {$270.00} per month and all payments have been made. Until XX/XX/XXXX which we became late due to my injury. In XXXX I get an email statement for over {$1000.00} ( should be less than {$600.00} ) and these XXXX report to the the credit bureaus I am 75 days late ruining my 730+ FICO score. This is the second time they have tried to accelerate the loan. Looking back on the history payments have been misapplied. I am not the only who has complained about Capital Ones horrible business practices. For being 1 month late they have ruined my credit and charged me the equivalent of 4 months payment ... Yet according to their Website I have never incurred a late fee????. Things are now fine Income wise ( back to work ) as of XX/XX/XXXX. I paid the XXXX payment + 100 extra I plan to pay the XXXX payment by the end of XXXX. By my calculation I should be OVERPAID. Yet according to Capital One I will still be over {$400.00} behind due to their unwarranted escalation From what I have seen in complaints I would say this is standard practice ruining people credit so they cant get a loan to refinance to get away from this XXXX. This way they can keep you on the hook and bleed you dry.
Product: Credit card or prepaid card

During a XXXX  visit last XX/XX/XXXX, I applied for a XXXX XXXX  Financial Credit Card. I was approved with a credit limit of {$11000.00} and incurred {$2000.00} to be included in the 0 % interest promotion set to expire XX/XX/XXXX. Upon receipt of my first statement dated XX/XX/XXXX, I attempted to set up autopayments through Comenity Bank 's website ( the bank that issued my XXXX XXXX credit card ), but the site does not allow for auto  payments. As as result, I set up monthly payments from my checking account held at XXXX. These payments have been withdrawn from my account on the XXXX of every month since XXXX, XXXX. Last XX/XX/XXXX, I accessed the XXXX XXXX  website to inquire regarding COVID-19 assistance and discovered I had been incurring late and finance charges since XXXX, XXXX. This was quite the surprise since I have never received any further communications from XXXX XXXX  or Comenity Bank, much less a late or delinquent notice. Unbeknownst to me, my payments were arriving a mere 1-3 days late. I immediately called Comenity Bank and also initiated an investigation through XXXX. As a result of never having received any communication from them whatsoever, I requested these fees be removed from my account and ultimately from my credit reports. Attached are copies of my correspondence with Comenity. I believe applying these fees without any notice to me whatsoever yet reporting it to the credit bureaus constitutes unfair and deceptive business practices and violates the Fair Debt Collection Practices Act. I, therefore, seek your assistance in correcting this matter and obtaining a credit for the remaining fees incurred totaling {$180.00}. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

When I contacted the credit reporting agencies in regards to the prior information still being reported to my credit file, they assured me that the information being reported to my credit file was " verified ''. However, 15 USC 1681 they are intentionally and willfully being neglectful in remedying my affairs l 15 USC 1681e ( b ) assures that that I am due, promised accuracy on my credit report under federal law. 15 USC 1681i ( A.5 ) says that after the reinvestigations, all unverified information must be removed from my credit file. All of the accounts listed from previous disputes haven't been complete in a thorough reinvestigation.
Product: Payday loan, title loan, personal loan, or advance loan

I am struggling to make the monthly payments to world finance. I am having financial difficulties. I was wanting to name smaller payments. But I can't come to world finance in person. Which is what world finance is wanting me to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

My vehicle was falsely repossessed by my apartment complex, I was out of town on business and came back to it gone. The apartment will not reimbursement the fees I had to pay and the lender, Bridgecrest, has listed it as a repossession due to non-payment. My car has been paid continuously and ON TIME. They refuse to remove the information! The information reporting for this auto loan is completely false. Payments were made on the account as scheduled. My apartment complex wrongfully had my car towed when I went out of town for three ( 3 ) days because they said it had not moved from where it had been parked. The apartment complex claims that they did not have it towed but a towing company isn't going to just randomly drive into a complex and tow a car away. I have proof that my payments were being made and that they were on time, this was not a situation where the lender repossessed my car for non-payment. I am enclosing documentation to confirm that the information that I am stating in this correspondence to you is true. Please remove the notation that this was a repo on my credit report because it was not. My payments were never late and this situation had nothing to do with my loan but an issue with my apartment complex.
Product: Bank account or service

I continue to receive an annual notice for a closed bank account with a charge for safe deposit box rent. The Bank of America branch located in XXXX XXXX XXXX, FL closed my checking, savings, ATM, credit card and deposit box over 3 years ago. These transactions were done, in person, with a bank officer .... I returned all bank cards, keys and records and received a bank cashiers ' check for all money due at this closing.. I also receive robo calls from XXXX with a recorded message with a reference number. These actions are at best harrassment and most certainly a fraudulent activity. All attempts to contact B of A and speak to a representative have failed.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX XXXX am a victim of identity theft, request removal and deletion of the listed fraudulent accounts on my Transunion and credit report : XXXX XXXX XXXX Account XXXX Open date : XX/XX/year>. XXXX XXXX XXXX # XXXX ( XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX TX XXXX, ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

I was charged overdraft fees for the amount of XXXX so far. When checking my balance online I had enough to make purchases. I paid a bill with the wrong bank card and it went to this account which should have been an overdraft but now I have XXXX overdraft fees. I was in the positive before this charge went through and prior to it going through other items were deducted from my balance. The bank switch these items around so that they would be able to charge the most overdrafts. I was told by an employee of the bank that that they pay the highest items XXXX then to the lowest which made me have these enormous fees. I think this is criminal and they would n't let me opt out of overdraft protection because its a business account. That is not true because I had a business account before and I was able to opt out. with this same bank.
Product: Mortgage

On XX/XX/2020 i found i was in a forbearance status with Dovenmuehle Mortgage. i immediately called them and caught all my payments up. In XX/XX/2020, They were dishonest in the manner in which they put me into forbearance and actively called me to ask if i want to suspend payments for 90 days with no penatly. They never mentioned a forbearance status or anything of the sort. I am trying to refiaqnce with another lender and can not do so, because of the forbearance status placed by Dovenmuehle. 
I paid my payments, i am 100 % current, any have left 4 messages with their representatives for a supervisor to call me, I have also logged into their website and left 4 emails, all since XX/XX/2020 and no one will respond. I have been on hold for hours, no one answers. 
It is my impression they have abused the forbearance rules recently enacted and now are willingly neglecting responding or removing me from such a status or program, despite my repeated attempts. 
I have called XXXX and can not get through to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed items on my credit report 60 days ago and incorrect information is still reporting for XXXX, XXXX, Equifax section 15 usc 1681 section 604 a section 2 it states that a consumer reporting agency can not furnish an account without written instructions. XXXX  ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX  ) XXXX. These accounts reporting inaccurate information I've disputed multiple times with no response or update.
Product: Credit reporting or other personal consumer reports

I filed complaint number XXXX on the CFPB website on XX/XX/2023 in reference to inaccurate information I saw on my credit file. I filed complaint number XXXX on the CFPB website on XX/XX/2023 in reference to continual retaliation against me for filing a CFPB complaint against Experian. Inaccuracies on my report are being monetized by Experian against my will. Experian has admitted to defaming my name and is continually and daily committing this federal violation. Experian is sharing my nonpublic information with people didn't authorize. Experian is giving access to my social security number for monetary gain. Experian is conspiring to commit RICO violations and does so KNOWINGLY and WILLINGLY.
Product: Credit card

Hi, I just recently tried to get a credit card from amazon. The credit card is through Chase and I first before I apply checked the internet about what you credit score had to be many site 's said it had to be in the fair range. I have to credit cards now and the cards are somewhat max out, but I 'm saving for a house and I ca n't use that money to pay them. I make around {$33000.00} per year.I called to see if I was approved and they got more info from me but they did n't approve me, but I think because they judged that I was XXXX from the tone in my voice and I was discriminated against.
Product: Credit reporting, credit repair services, or other personal consumer reports

These Lates Are False and must be CORRECTED : XXXX XXXX XXXX - Balance {$370.00} Opened XX/XX/XXXX This card was originally a Visa card and then it switched to XXXX. The company somehow mixed up my account and my automatic payments were not transferred over when the bank was sold. This late payment showing on XX/XX/XXXX is FALSE. 

XXXX XXXX - Balance {$23000.00} Opened XX/XX/XXXX Showing incorrect late XX/XX/XXXX. I have automated payments and I have never been late. This late is incorrect. 

XXXX XXXX XXXX XXXX- {$5400.00} Opened XX/XX/XXXX Showing incorrect late. I updated my debit card information, but for some reason, they didnt process it and it resulted in an incorrect late showing on my credit. Remove this immediately.