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

All of my detailed information is attached to this complaint. During this whole ordeal I ca n't understand if a debt was paid-in-full due to a total loss claim, HOW does a company consistently accuse you of still owing, keep this mis-information on your credit reports in their alleged justification and refuse to admit that the accounting fault is the fault of the company for how they handled the pay-off settlement for this loan. I should not continue to have my credit scores damaged because this company is determined to penalize me for not being able to collect 5 years of high interest rates for the loan I had with them. 
At the time of the loan I entered a second chance loan agreement at 24 % interest for 60 months. However, because the vehicle was totaled when an act of nature occurred ( I unavoidably XXXX XXXX XXXX in the midst of an Ice storm. Prior to that I was forced into a bankruptcy in order to save my home from foreclosure ; of which all of my debts had to be included in this filing. Since this company fell under that jurisdiction they were listed, BUT EXCLUDED from the original proceeds because I agreed to pay them separately to maintain my credit under the second chance program. However when all of this happened, they tried to use the bankruptcy status to justify why they kept accusing me of still owing them money - '' AFTER THE ACCOUNT WAS PAID IN FULL!!! '' Now this account has bee listed as a charge off which is bad for my credit rating and bad because they are still proclaiming that I owe them money!!!!! This is the question I keep asking EVERYBODY : IF YOU PROCESSED A PAY OFF CLAIM ACCORDING TO WHAT YOU STATED WAS THE PAY OFF AMOUNT, WHY WOULD N'T YOU REPORT THE CORRECT PAY OFF AMOUNT IN ORDER TO BE PAID IN FULL????? 
NOT ONLY THAT, WHY WOULD YOU HOLD THE CUSTOMER RESPONSIBLE FOR YOUR MISTAKE, RUIN THE CUSTOMER 'S CREDIT RATING AND CONTINUE TO REPORT INCORRECT, DEROGATORY AND NEGATIVE INFORMATION FOR THE ONLY PURPOSE AS TO KEEP ME IN FINANCIAL BONDAGE FOR THE LENGTH OF TIME THAT I WOULD HAVE BEEN PAYING THEM IN INTEREST RATES FOR THIS HIGH END LOAN! THEY FEEL IF I WANT TO GET RID OF THEM THEY ARE TRYING TO FORCE ME TO PAY THEM WHATEVER THEY WITHHELD FROM THE PAY-OFF AMOUNT JUST TO ATTEMPT TO MAKE ME PAY THEM MONEY
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my LexisNexis file reinvestigation results on XX/XX/2022 and there are still inaccurate information showing so emailed documents show the inaccurate information. 

According to the law 15 U.S. Code $ 1681a - Definitions ; rules of construction. 

The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 
However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who did they talk to. 
How did they complete this investigation?
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XX/XX/2022 XXXX XXXX violated my rights in accordance with the fair credit reporting act this listed account # XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15USC 1681.
Product: Vehicle loan or lease

i cant get them on phn, made a pymt of XXXX Transaction XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX HMF - HMFUSA.com $ XXXX get them on the phn but on acct XXXX made pymt it wont let you bk on to u acct, thier sys is really XXXX up, i dont want any late chg or inst or neg remarks on cr report, pymt out of XXXX XXXX XXXX  acct
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX  IS REPORTING THE ACCOUNT #  XXXX  WITH OUTSTANDING BALANCE, WRONGFUL DATE OF EXPIRATION AND REPORTING THIS AS A REVOLVING ACCOUNT WHEN IT IS A MORTGAGE.   ACCOUNT IS TOO OLD TO BE ON FILE HAS PASSED A 7 YEAR STATUTE OF LIMITATIONS AND IS IN VIOLATION OF FCRA RULES AND REGULATIONS REMOVE THIS FROM MY REPORT IMMEDIATELY AND ACCORDINGLY I HAVE CONTACTED  XXXX   XXXX  SEVERAL TIMES WITH NO LUCK, NOW THEY HAVE CHANGED THE STATUS OF THIS ACCOUNT TO FORECLOSED WITH EXPIRATION DATE OF  XXXX  WHEN IT WAS REPORTING  XXXX  OF  XXXX  AND THEY ARE REPORING SAME ACCOUNT DIFFERENTLY TO  XXXX  CREDIT BUREAUS ... THIS IS A VIOLATION OF FAIR CREDIT REPORTING ACT AND A VIOLATION OF FAIR COLLECTION PRACTICES. I 'M DEMANDING  XXXX   XXXX  TO DELETE THIS ACCOUNT FROM MY CREDIT REPORT IMMEDIATELY IN ACCORDANCE WITH FCPB AND FTC RULES AND REGULATIONS
Product: Mortgage

Caliber home loans canceled my trial modification, because they said that I did not send in my final payment, or that I may have sent it to the regular payment address. I sent the final payment to the same address I had sent my previous payments. They had failed to process a previous trial payment, until I called, complaint & and made a payment over the phone w an agent.The  following month, the month of the final payment mentioned above, they again, did not process the payment & said it was not received. I have appealed the trial modification cancellation, and even resubmitted a modification package. However, I have received no reply, no reply to my request for an appeal - Caliber went on to immediately transfer my account to an attorney for foreclosure and immediately gave me a sale date. They also failed to properly and timely advise me of the sale date.
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. 

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

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation XXXX of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 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, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I am providing an update to complaint number XXXX I filed against Equifax on XX/XX/XXXX. I filed complaint XXXX demanding a block on the items that came from identity theft on XX/XX/XXXX, and Equifax refused to block the items. It has now been 29 days, well past the 15 days given under 15 U.S.C. 1681i ( 7 ) to produce the descriptions of the procedures used to determine the accuracy and completeness of the information on my credit file.

I have not received a full file disclosure in accordance with 15 USC 1681g or a description of the procedures used in accordance with 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ). Equifax is negligent and is continuing to violate my Federally protected rights by committing aggravated identity theft and racketeering activity for reporting these items to my credit file without my permissible purpose. 

1. Inquiry : XXXX XXXX, XXXX XXXX - XX/XX/XXXX 2. XXXX XXXX - XXXXXXXX XXXX XXXX XXXX 3. XXXX - XXXX 4. XXXXXXXX XXXX XXXX XXXXXXXX Certified Mail # : XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX, I logged into my USAA account and noticed that my accounts did not look right. I looked and had close to XXXX jn checks withdrawn from an XXXX XXXX in Iowa. I called usaa right away and reported the fraud. A claim was started. The next day I was trying to figure out how to change all of my login information and stumbled upon that they were set up for bill pay on my account. I deleted it and notified usaa right away. The following week I had cash moved from my small town back to usaa, I did not do that. I do not keep thar much in that account very often. I called usaa and notified them. After that all of my stuff had now been changed. At this point still no resolution. I called again and ask the usaa staff member if they could tell me what or who or where someone is logging into my account. They told me that a XXXX phone or something describing my XXXX phone and someone with an XXXX using thumb technology to log in. I told them right there that we don't have XXXX  XXXX XXXX, wr have all XXXX. I kept calling several times to see what j could do to help to get my money back as I have XXXX in my household and this money is not simple money for this large of a family. It also overdrawn my usaa checking account which why would I spend XXXX without moving money or even have an XXXX. Come this Sunday, I got an email of denial with no fraud activity and to reach out to the person I paid to get my funds back. I called them right away and put in for a review as I again explained that I didn't do this. Looking at the memos in the checks again it says rente and down payment. I don't live in Iowa or have ever and have only driven thru Iowa. I even got asked by a usaa staff member if I gave it out to anyone. Like yeah I am walking around XXXX ks saying who wants my login information to steal all of my money. How does this make any sense to the person that declined me and usaa ks currently doing another review but how can I after 11 years and they treat me this way belive anything will go correct. I have talked to a lawyer to see if I can do anything and a police officer who said if needed to do so we could do a police report. I have sense offered to do a signed affidavit, like I will drive to XXXX XXXX and do it in person. My identity has been hacked thru usaa and have got no help. I signed up for XXXX today to see if they can help and rhey told me to do a ftc stolen identity and lock my credit file. Please please please help me. I am a father with a family of XXXX who is desperate for help witb usaa. Thank you
Product: Mortgage

We had our mortgage through XXXX XXXX, but on XXXX XXXX XXXX they sold our account to Homebridge Financial. XXXX, before selling the account, paid their portion of the taxes due to our county property taxes, and forwarded the remaining bill to Homebridge. Homebridge was due to pay the remainder by XXXX XXXX XXXX, they did not pay. We are military and live XXXX states away and received notification from our county XXXX XXXX XXXX that the taxes have not been paid. We immediately contacted XXXX, and I was advised by the agent to fax over the delinquent notice, and they will contact and make payment arrangements with the tax commissioner office within 3 days. On XXXX XXXX they had not yet done so and I was informed by tax commissioner office that Lien would be placed the following day XXXX XXXX XXXX. Homebridge continues to say they are trying to verify parcel numbers and verify amounts. I provided to them a direct number to tax commissioners office. I also called tax commissioner office and verified that homebridge has not contacted them and no arrangements have been made along with any payment.
Product: Debt collection

In XX/XX/2020, I entered into an agreement with my apartment management, XXXX, to defer partial rent. I requested to be let out of my lease early multiple times ( 60 days early, 45 days early ) any time that would save me money and avoid being in debt. They continuously refused but set up a seperate payment plan for me to pay over the course of the summer. 

My lease ended on XX/XX/XXXX. Within 1 week of vacating my unit on XX/XX/XXXX, I was turned into IQ Data International, Inc for collections of debt owed in the amount of {$4600.00}. Not only was this a violation of our agreement, but this amount was incorrect. The amount owed was {$2800.00}. I contacted IQ Data and the property management immediately to discuss the charges and get them corrected. 

For almost month, I emailed the property management with little to no response. Finally the property manager acknowledged the mistake and sent a new ledger to IQ Data. This ledger continued to be incorrect. Having to fight for the right amount to be reported to the collections agency basically blew through any grace period that I had. According to IQ Data, I had a 45 day grace period which ended on XX/XX/XXXX, which means that they turned my balance into collections the day after I vacated the property. No final bill was sent my forwarding address. No attempt by management was made to collect debt. It was literally turned into collections the day after my lease ended. I attempted to get the correct amount updated upon receiving my first collections letter. 

I emailed and called both parties to correct the amount. I copied the property manager, the regional manager, the Vice President and the dispute team. None of which replied. On the last day of my grace period, I had to physically show up at my former property manager 's  office and make her correct the mistake as she would not acknowledge any of my electronic communication. This is a pattern from this management company and I know of at least one other tenant in the same position. 

Mind you, we are in the middle of a pandemic. I work in the XXXX XXXX   XXXX XXXX in XXXX, SC which is heavily dependant on tourism. Our business took an epic hit and I am lucky to be employed at all. I am trying diligently to stay on top of finances but with horrible business practices such as XXXX, it is nearly impossible for someone like me to come out on top. This was a very disappointing turn of events in a already troublesome year. 

I paid this property over $ XXXX in an 18 month period. My apartment was well above market value and I was NEVER late until COVID. Even when COVID happened I tried to negotiate to avoid being in this situation that I now find myself.
Product: Mortgage

Mortgage XXXX : XXXX XXXX Refuses to entertain a Mortgage XXXX. 

We are in a Chapter XXXX bankruptcy to stop the sale of our home and have been making monthly payments ( {$2500.00} ) via the Chapter XXXX trustee portal system to this Mortgage servicer for over the past 12 months. ( Actual loan payments should be - {$1500.00} ). 

It should be noted that the Chapter XXXX Judge - required the Mortgage servicer to meet with us to review & consider a Modification. However when the Modification discussion/review occurred with XXXX XXXX XXXX the meeting lasted less than 10mins. 

XXXX XXXX reported when asked during this Modification Conference call - that they ( XXXX Servicing ) are not required to adhere/follow of the XXXXS government guidelines ( ie, Dodd/Frank ) XXXX And that they consider our mortgage account closed- but continue taking payments from the Chapter XXXX trustee funds and not to entertain any discussion with me. 

My question and request for guidance for CFPB is how can a mortgage company / servicer be above the law or government guidelines. And treat people this way. 

All my wife and I want to do is to be able to continue to make payments- obtain a modification and transfer away from this mortgage servicer to be able to keep our home.
Product: Credit card

-This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means , at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service , or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The report included this language but XXXX is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy ... and the bank 's records ( learned through more research both parties require ). Please block/remove this files. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is 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. This account ( s ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 
XXXX XXXX XXXX XXXX CA XXXX, BANK OF AMERICA XXXX XXXX Opened : XX/XX/2016 Balance : {$2500.00}
Product: Credit card or prepaid card

I have been the victim of ongoing identity theft and people have tried opening numerous different accounts at different places using my personal information. After it happen the first time ( 5+ years ago ), I thankfully froze my credit and put a PIN on my IRS file. People have once again started using my information earlier this year to file a fraudulent employment claim, open several checking accounts and debit cards, a brokerage account, and a failed attempt to open a credit card. For the most part, I have been able to call the financial institution in question to get the fraudulent accounts closed relatively easily and in a fairly short amount of time and have received some sort of confirmation of account closure. The exception is CashApp by Square. Back in late XXXX, they mailed a fraudulently opened Visa debit card to a former address of mine ( thankfully it is my mother 's house ) that was issued under my maiden name. Immediately upon opening it upon the my next visit to my mother 's house on Friday, XX/XX/XXXX, I called CashApp to get the fraudulent account closed. It was very difficult to find any sort of phone number by which to reach them, but found a number on the sponsoring bank 's website ( XXXX XXXX ). Surprisingly, I got through fairly quickly and spoke to someone. However, he said I could not speak to a fraud team directly and he could not confirm whether there had been any activity on the account even if I provided him the card number. That seemed unfair to me, but he said he would send me an email where I could send the details and I would get a secure link to share the card details. I provided my email address and promptly receive a message from emailsupport@cash.app. However, I never heard anything else after that. I provided the requested summary of the situation via reply email the following day ( and the card data via the secure link ) and asked for written confirmation of the account being closed, confirmation of any activity on it, and ask that they flag their system so that no additional accounts could be opened with my name or personal information. Despite follow up emails to them, I never received a reply. Then, on XX/XX/XXXX, a second fraudulent card arrived at my mother 's house in my name. I spent all day today trying to call them back, to no avail. I called 17 different times between XXXX and XXXX XXXX today and received various different recordings that ultimately cut me off saying that no one was available to speak to me. Sometimes the recordings cited high call volumes, sometimes they referred me to the mobile app which I obviously do not have as I am not a customer, other times it just cut me off. It is unacceptable and unfair that there is not an easily accessible phone number for consumers to call to resolve issues of identify theft being perpetrated through their company.