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

15 USC 1681 SECTION 602 A STATES I HAVE RIGHTS TO PRIVACY!

15 USC 1681 SECTION 604 SECTION 2 STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT WET WRITTEN AUTHORIZATION!

CREDIT REPORTING AGENCY THAT THIS COMPLAINT
IS ISSUED FOR HASNT BEEN SENDING ANY LAWFUL AND/OR LEGAL PROOF OF DEBT BEING EXACTLY MINES ACCORDING TO THE FAIR CREDIT REPORTING ACT AND HAS BEEN VIOLATING ALL OF MY PRIVACY RIGHTS I HAVE SENT IN MULTIPLE DOCUMENTS STATING PROOF AND STATEMENTS SHOWING THAT IAM A VICTIM OF IDENTITY THEFT. I HAVE REQUEST FROM THIS COMPANY MULTIPLE TIMES FOR PROOF OF AUTHORIZATION AND PROOF OF VERIFICATION AND MOST OF ALL WET INK SIGNATURE OF ORIGNAL CONTRACT STATING THAT IAM OBLIGATED AND IAM FOR SURE THE ONE THAT OWES THIS DEBT OR ANY DEBT STATING AND BEING REPORTED FROM THIS COMPANY WE ALL KNOW THAT THIS COMPANY IS MOSTLY OPERATED USING A EOSCAR WHICH IS AN AUTOMATED SYSTEM THAT DOES NOT VERIFY OR VALIDATE FLESH AND BLOOD BUT ONLY THROUGH ELECTRONIC VERIFICATION USING PERSONAL INFORMATION THAT CAN BE OBTAINED THROUGH MANY FRAUDULENT AND TRAGIC SITUATIONS AND PLEASE BE AWARE AND HOPE NOT FORGETTEN THAT THE EQUIFAX DATA BREACH OCCURRED BETWEEN XXXX AND XX/XX/2017 AT THE XXXX XXXX XXXX EQUIFAX.PRIVATE RECORDS OF XXXX XXXX AMERICANS HAS STOLEN AND I MAY COULD HAVE BEEN A VICTIM OF THIS UNLAWFUL AND ILLEGAL IRRESPONSIBLE OF CONSUMERS INFORMATION CREDIT REPORTING AGENCY. 

CONTINUING OFF OF CASE NUMBER # XXXX CREDIT REPORTING AGENCY THAT THIS COMPLIANT IS ADDRESSED TO CONTINUES TO PARTICIPATE IN FRAUDULENT ACTIVITIES TOWARDS MY CREDIT REPORT ALONG WITH ASSISTING AND ABIDING NOT ONLY FRAUDULENT BUT ILLEGAL COMPANIES WHICH CONTINUE TO REPORT AND DEFAME MY NAME AND PUBLIC RECORDS ALONG WITH DAMAGING MY CREDIT SCORE AFTER MULTIPLE ATTEMPTS OF ASKING FOR PROPER VERIFICATION AND VALIDATION AND TO SEND ME THE CONSUMER A PROOF OF SIGNATURE AND AUTHORIZATION According TO THE FCRPA. AFTER SENDING IN MY POLICE REPORT AND MY IDENTITY THEFT REPORT FROM THE FEDERAL TRADE COMMISSION THIS COMPANY STILL KNOWINGLY AND WILLFUL INCOMPLIANCE WITH NOT ONLY THE LAW BUT WITH THE FCRPA THIS AGENCY CONTINUES TO SEND Falsely AND MISLEADING AND INCONGRUENT INFORMATION RELATING TO THE CURRENT INVESTIGATIONS AND DOCUMENTS SENT TO COMPANY AND BEING RECEIVED FROM COMPANY BUT COMPANY CONTINUES TO FALSELY MISLEAD THE CONSUMER FINANCIAL PROTECT BUREAU AS WELL PLEASE SERIOUSLY INVESTIGATE THIS AGENCY AND THEIR WAY OF HANDLING CONSUMERS INFORMATION AND THE FRAUDULENT ACTIVITIES THEY ASSIST ALLOW AND/ OR ABID IN. 

ALL INACCURATE AND ERRORS AND VIOLATIONS HAVE BEEN MARKED IN ATTACHMENTS ALONG WITH FTC REPORT AND POLICE REPORT.
Product: Mortgage

Began a loan application for a XXXX mortgage on XX/XX/XXXX. The loan representative from AmeriSave. a XXXX XXXX, told me I could lock up the interest rate if I gave them {$500.00} at that time. He also said I was qualifies and someone would be in touch with me from Loan Processing. I was contacted by a XXXX XXXX XXXX who walked me through the documents needed for their underwriting department.. Hder request sounded reasonable and i Gathered the documents and forwarded them to her on XX/XX/XXXX. Bear in mind I am XXXX XXXX of age and my smart phone allows me to be ignorant of technology. I faxed her the documents from a local XXXX store. At the time I did not have a copy of my Social Security Award letter but that I was getting a copy from Social Security and asked if she would accept my XXXX XXXX for XXXX and she said that would suffice for now, I followed up a couple of days after the fax and left numerous voice mails for XXXX XXXX with no response.. I called XXXX XXXX and informed him that I was not getting any feedback. He told me that she must be busy. a couple of more days passed and again I called only to find out that she was on vacation. No one was doing any follow through during their absence. Around XX/XX/XXXX a new Loan Processor was assigned to my case. A XXXX XXXX XXXX, He requested the same documents that I had previously submitted. He told me that those documents were in the efile of XXXX XXXX and could not be accessed. I repeated the same process as before with a trip to the XXXX store but this time with a copy of my Social Security Award letter which had arrived in my mail. 
Ever since then dealing with Amerisave has been a disaster. New forms that I fax but they say they do not have.. Today is the end for me with Amerisave. They now want letters sent to me from my 1st mortgage showing who the new service provider for that loan is, also a copy of the loan servicing agent for my current Heloc loan and demanded a {$41.00} credit agency fee that I have already paid.

I wish to have any possible dealings with this scam business to cease and full indemnify me for the {$540.00} I have already given them for a loan they are obviously not prepared to loan
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit report I have found inaccuracies on an alleged debt that is impacting my credit character as a consumer and is hindering me from getting hired at a specific place of employment. Information that should, if from the same furnisher, should be reporting the same across all three credit reporting agencies but are not, which by law is a violation.
Product: Debt collection

After sending a validation of debt letter to said company, i received a form asking for me to release my medical records to them so that they can provide me with what they used to verify the alleged debt. If i have to sign a release form so that collectors can prove a debt is mine, how was the debt ever verified? This company have not sent me any validation to this date but have a reported on my credit report a debt, that i have to sign for them to verify. This said debt does n't belong to me. I want physical proof of the original bill that they used to verify debt. not a request to release my medical records, thats inhumane, and an invasion of my privacy to ask for such. If they could verify the debt is mine they would n't need a release form, therefore they are reporting unverified information to the credit bureaus violating FCRA. Do not respond to me via email, mail, or phone, all response is to be via this website. Please upload proof of validation to this site or remove from all 3 credit reports. Thank you
Product: Debt collection

I am filing a complaint regarding an account with Discover Bank ( Amount {$1800.00} ) that was opened in XX/XX/year>. I was a minor at the time and did not authorize this account. I suspect identity theft and request its removal from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a Victim of identity theft my personal information was stolen driver license, social security, bank statement, medical and as a result of this several account were open fraudulently XXXX XXXX XXXX XXXX XXXX XXXX # XXXX. 
JEFFERSON CAPITAL SYSTEM # 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

Hello, I was in the process of obtaining credit a few months ago and was made aware of several inaccuracies on my credit report. I reached out to Credence Resource Management via direct mail several times to verify the information they are reporting to the credit bureaus. After several attempts, they have not provided any proof or documentation verifying the information they are reporting. All three bureaus have different information in regards to payments made on different dates, with different account numbers and on-time/late payments for what is supposed to be the same account. Credence has not been able to verify any of the information reported, they simply send letters with a supposed payment amount.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX and XXXX has incorrectly reported a loan from Viva Finance as a XXXX off. My loan is in good standing and it was not charged off.
Product: Mortgage

Caliber Home Loans, Inc. ( " Caliber ' ) is the mortgage servicer on our home ; which is held by XXXX XXXX XXXX ( " XXXX '' ). XXXX acquired the mortgage from XXXX at a discount after XXXX came under investigations by the CFPB and other agencies for violations of consumer protection laws, and XXXX paid hundreds of millions of dollars in fines for its mortgage servicing issues. 

Since Caliber has become the servicer, Caliber has engaged in even more violations of law than XXXX. Some specific examples include CalibXXXX 's reporting to the XXXX credit bureaus inaccurate data nearly every month for the last XXXX years, and failing to correct Caliber 's errors. This is a violation of the Fair Credit Reporting Act ( " FCRA '' ). Despite having informed Caliber that we have an attorney in this matter ; Caliber still makes repeated calls to our home, and sends us letters, instead of communicating to our attorney. This is a violation of the Fair Debt Collection Practices Act ( " FDCPA '' ) .. Every monthly statement that we have received from Caliber is wrong, incorrect, makes demands to things not in the mortgage agreement, etc. all of which violates the Truth in Lending Act ( " TILA '' ). Instead of responding to the modification of the mortgage in the time required under law, Caliber took XXXX MONTHS ; which violates RESPA and other laws. Caliber has not been able to provide the correct amount owed on the mortgage. 

Finally, all of the above violations of Federal laws, also are violations of Indiana laws. The amount of civil penalties from all of the above violations, plus legal fees, is greater than any amounts alleged to be owed..
Product: Debt collection

I received a notification that an account that I had disputed was still on my credit report even after the company never responded from my original complaint over a year ago. AFNI Afni , Inc . 
XXXX XXXX XXXX XXXX, IL XXXX i NEVER DONE BUSINESS WITH THIS COMPANY. The account from XXXX has never been verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act.

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to XXXX and Experian and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.
Product: Debt collection

I received a suspicious email from a XXXX XXXX representing XXXX XXXX XXXX stating that I owe XXXX. That the payment needed to be paid today or I would be arrested and jailed. Never heard of this complaint before today.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX changed credit card accounts to switch to new company. Around XX/XX/2019. I did have experian delete the old account. But they never put the new one or there. Which I still have through XXXX XXXX XXXX. The other two credit monitors report my arbor credit with the correct account. And a big difference in credit scores. By them not reporting that.
Product: Mortgage

On or about XX/XX/19 I received a Annual Escrow Acct Disclosure Statement from US Bank Home Mortgage ( the mortgage co. ) stating there is a {$1300.00} short fall in my escrow acct and I can either pay that amount or it will be set up within the next 12 payments starting in XX/XX/2019. 2 days later I received the XX/XX/XXXX statement showing an increase on the monthly of about {$120.00}. The statement breakdown shows the increase in the escrow contribution but shows the tax contribution unchanged. It also shows an increase in the home insurance contribution. Mon.,XX/XX/19 I called my town to verify that the property taxes had not gone up, they were the same as last time. I then called my insurance co and verified that my housing insurance has not changed. In fact I changed insurance companies back in XX/XX/XXXX ( will get back to this ) So having this information I then called the bank. Spoke with a rep, asked why there was a short fall. She first came back with the insurance had increased. I struck that down and also informed her that the taxes had not changed. She never answered that with why my insurance contribution had increased ( for no reason ) finally came back with the real problem. When the old insurance co sent me a check for the returned premium, {$1100.00}, I deposited it and wrote a check to the bank and put a note as to what the check was for, because I called them to find what address to send it to. Someone at the bank took the payment and credit it to my mortgage payments, {$1000.00}, an sent the difference towards principle. This would have been toward the XX/XX/XXXX payment, which I had made already and they cashed on XX/XX/19. So there is a payment floating around somewhere and my escrow account is missing the {$1100.00}. This information came out of the reps mouth to me but she could not figure out the problem. Now that leaves a difference of {$250.00} escrow short fall which I pointed out and again asked why, no answer. Plus the fact that they are trying to get {$20.00} more per month for my insurance which did not go up. I have unfortunately been with this bank for over 8 years as they bought my mortgage before the ink was dry on the paperwork and it has been a horrible experience. I have another complaint towards them about predatory lending but I will submit that as a second complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX conducted a hard inquiry on my credit report on XX/XX/2022 without my signed consent. XXXXXXXX XXXX conducted a hard inquiry on my credit report on XX/XX/2022 without my signed consent. XXXXXXXX XXXX conducted a hard inquiry on my credit report on XX/XX/2022 without my signed consent.
Product: Credit card or prepaid card

On XX/XX/XXXX, I made a telephone payment to Bank of America in the amount of {$2100.00}, the balance on my account. My minimum payment was not due until XX/XX/XXXX. After the payment, I assumed my account balance was going to be {$0.00}. 
On XX/XX/XXXX, I found out that Bank of America accessed me a {$30.00} interest charge. I promptly called the bank on the same date, and the agent I spoke with said the fee would be waived. 
In XXXX I found that the fee was not waived and I called Bank of America. The agent I spoke with said they would investigate and get back to me. They never did. I called again and they sent me an email dated XX/XX/XXXX ( copy enclosed ) stating that I would hear from them in two days. They never did. 
Last week I received an alert that Bank of America has referred my account to XXXX for an unpaid balance of {$31.00}. 
I promptly paid because I did not want any negative marks on my record. 
I called Bank of America a few days to refund this payment and remove the negative referral from the bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

The below accounts XXXX. XXXX - XXXX SERVICES XXXX DESERVE XXXX DISCOVER BANK XXXX. JPMCB - CARD SERVICES are listed as charged off on my credit report and these companies never sent me a XXXX cancellation of debt form and because of that, these accounts are inaccurate and has to be removed.
Product: Money transfer, virtual currency, or money service

After unsatisfying communication in the message center, I have no alternative than to file this compliant. First, there was a bogus transaction on XX/XX/XXXX for {$63.00} that PayPal posted to my bank account. When my bank reversed the transaction, my PayPal balance was put in the negative, but my PayPal balance was not the original source of where the funds ( {$63.00} ) went. On XX/XX/XXXX, I scheduled a transfer of {$250.00} to my PayPal MasterCard, but {$280.00} was debited from my bank account, which caused a {$30.00} overdraft fee. It seems PayPal added my negative balance to the scheduled transfer, but the larger amount was not the amount I authorized, which is against ACH rules. On XX/XX/XXXX, PayPal credited {$24.00}, which is not the disputed amount of {$63.00}.
Product: Debt collection

I contact all 3 credit bureaus and reference to the XXXX bill that was paid in full on XXXXplease remove immediately from all 3 credit bureaus and I will attach documentation proving debt has been paid in full
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax failed to investigate the inaccurate information on my credit file. I sent them prove that I was never late on those account and they still dont want to remove the inaccurate accounts on my file. I have been disputing those information since 2018.
Product: Credit card or prepaid card

I am a Capital One credit card user. I have used their service without problems for many years but within the past month Capital one has decided to slash my credit limit in half despite the fact that I have never had a late payment with them. I am angered that they decided to blindside good customers with this action but I am REALLY XXXX off that their {$5000.00}, unexplained cut in my credit limit has resulted in a 3 point drop in my credit worthiness. I worked very hard to get my credit score into the " excellent '' range but Capital One 's arbitrary action has dropped me out of the excellent range ... all through no fault of my own. 
I called the company to get their side of the story and I was sorely disappointed in their response. I worked my way up through the ranks of their customer service people to be told by a manager that there was nothing that could be done about the credit limit or the credit score.
Product: Mortgage

i got behind one payment in XXXX of XXXX my payments was XXXX a month i payed XXXX to XXXX XXXX i had some suspected not much by XXXX of XXXX nut tried several times for repayment plan but was denied but they was happy to put be on forbearance pan .I really didn't see that was going to do me any good so i jeep paying and i was paying XXXX extra and my payment i couldn't owed much from my suspense. But i was wrong JP Morgan was taking more money than i could pay for fee 's, franchise fee 's, more fee 's XX/XX/XXXX Disbursement/Advance - Adjustment Fees {$950.00} Fees {$950.00} {$0.00} {$66000.00}, XX/XX/XXXX Disbursement/Advance - Adjustment Fees {$990.00} Fees {$990.00} {$0.00} {$66000.00}, XX/XX/XXXX XXXX XXXX PAID {$1900.00} {$2900.00} {$66000.00}, i mean they messgae my loan up bad in XXXX and XXXX then drop it and started it over got loan for XXXX added that to my orginal balance come to over XXXX they got {$48000.00} in XXXX of XXXX my card got hacked i didn't no you get you get your bank info info like routing number and account number number from right from the card so all the bill i paid got froze or and it looked like return but i seen it. made sure they got it, i sent XXXX and XXXX but they it was missed payment even though it was not late then XXXX made, same for XXXX, XXXX XXXX, XXXX, XXXX and so on. In XXXX i looked i was 3 months behind XXXX. i called them they said they never revived a payment for them months. i sent proof through secure message on their web site like 15 to 20 times mailed it at 20 times and sent it to both case workers on my  account by XXXX XXXX XXXX was at Chase the other at Cooperate office never got them and i used the same address they used and also used the address they gave me. so i XXXX i sent i sent payments to keep out of foreclose but they took that for Fee 's and ver gave me credit. When i ask about all these payments XXXX. XXXX, XXXX, and couple over XXXX i was drained over one payment they no nothing. In XXXX XXXX they coned me and government and was rush deal. they drop my loan from 17 years back to over 40 years to XXXX XXXX USDA that i got to pay back come to over XXXX i ask about why did they take so much for fee 's over one payment. they won't talk about it. one letter said we don't see any Fee 's, then i called them ask for letter to explain the fee 's they sent one page letter with short sentience back in XXXX avoiding me. then i caught them scamming me for long time on escrow i added it up myself i ask about it they won't talk to me about it. not even on secure message or on phone i called and waited XXXX XXXX to ask about the fee 's and escrow she said wait and i look i did she came back laughing and said to bad and hung up that was at Chase. they won't talk. they commend mortgage Fraud. and they no it. the XXXX need to return to government because they sold my loan when i started asking question. to XXXX XXXX  i am still under subordination agreement with XXXX that Chase forced on me, my loan and Fee 's, file : XXXX % XXXX % XXXX % XXXX ( XXXX ) .mhtml,
Product: Credit card

The company closed my account and sent it to collection 's although the account was in good standing. Per speaking to the company I was notified that my account would be closed and unable to be reopened. I stated to debt collectors that I woud be paying. Per 15 USC 1692c ( c ) " If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt ''.
Product: Mortgage

Attached XXXX XXXX letter demanding missing monthly statements, XXXX XXXX. Attached several XX/XX/XXXX demands for missing statements, corrected statements, terms and conditions which apply from loan origination XX/XX/XXXX. Demand that XXXX observe these terms, conditions, promises, etc. 

The unmarred forward motion we enjoyed on our HELOC since XX/XX/XXXX was interrupted by XXXX  on XX/XX/XXXX. XXXX 's autowithdraw interest payments, and my principal reduction payments were handled with professional precision by XXXX XXXX XXXX XXXX, always. Never a single error or misapplication of funds. In contrast, the constant barrage of fraud, ignorance, indifference and abuse by XXXX and more specifically, it seems, by XXXX has likely contributed to my wife 's breakdown in Fall XXXX, and XXXX diagnosis in XX/XX/XXXX. She was born in XXXX, when phone numbers were one digit or two. She has suffered endless abuse for hours on end with " Customer Service '', attempting to rectify XXXX repeated blunders. For months, all she asked for was to fix the mistakes. Now, I am asking for significant restitution be paid, for complicit, prosecutable fraud, misappropriation, breach of contract, breach of terms of service and assorted other displays of criminality by XXXX XXXX and others at XXXX.