23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Caliber Home Loans gave me a courtesy call after the denied my last claim XXXX. The representative was very nice,, but had very little information regarding my case. After more than 40 minutes on the phone, she advised me that my escrow balance we incorrect because I did not make a payment in XXXX. I was also told that my escrow account was converted to a ancillary account. I went back to the office and researched my bank records, and I did find my XXXX payment which had cleared. I did call back Caliber Home loans the next day, after i was transferred to 3 different representatives and verified my billing address the same number of times, I spoke to a representative named XXXX, employee number XXXX. After 20 minutes on the phone, I was told that the XXXX payment was actually made and the previous person did not dig deep enough. 
I asked XXXX that Your monthly payment for Principal and Interest ( P & I ) is {$790.00}. You made a payment on XX/XX/2016 of {$1200.00}, with {$400.00} going to escrow and you made another payment of {$1200.00} on XX/XX/2016. You later made a payment of {$1500.00} on XX/XX/2016, with {$700.00} going to escrow and another payment of {$1500.00} on XX/XX/2016, with {$700.00} also going to escrow. Therefore, you believe four ( 4 ) payments, totaling {$2200.00}, should be deducted from your escrow balance. The past due escrow of {$8500.00}, less the {$2200.00} should leave {$6300.00}. 
I asked him how XXXX got their balance and he responded " That is just the way it is '' I was also told that I need to call the escrow department, that he did not have any numbers to help me, I told XXXX, that my account was switched to Ancillary and XXXX told me that is incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

Me and my brother are twin brothers with similar names, my name is XXXX XXXX XXXX and his is XXXX XXXX XXXX and we have similar social security numbers. We have lived together in the past so we have had the same addresses. Our credit information is mixed up with his information on my credit and his social on my XXXX when theyve checked my credit. Ive fixed it in the past and now it is all mixed up again and are unable to locate my XXXX report because of the mix up. XXXX gives an error code and is not reporting accurate accounts on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following authorized user accounts I'm demanding to be removed, i have no knowledge of these accounts. 

XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX USA XXXX. XXXX XXXX  XXXX  USA
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX ACCT # XXXX XXXXXXXX XXXX XXXX ACCT # XXXX XXXX  XXXX ACCT # XXXX XXXX XXXX XXXX XXXX ACCT # XXXXXXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX XXXX XXXX As outlined in 15 U.S.C. 1681, I believe the following provisions have been violated : Section 602 ( a ) : I have the right to privacy and confidentiality regarding my credit information, which has not been respected. Section 604 ( a ) ( 2 ) : Consumer reporting agencies are prohibited from furnishing an account without my written consent or instructions. This provision has not been followed in my case. Section 1681c ( a ) ( 5 ) : No consumer report should contain any adverse information that predates the report by more than seven years, which I believe applies to some of the information listed. Section 1681s-2 ( a ) ( 1 ) : A person shall not furnish inaccurate information to any consumer reporting agency if they know or have reasonable cause to believe the information is inaccurate. The information regarding XXXX Account # XXXX is false and should be removed.
Product: Mortgage

Dear Sirs : I made my mortgage payment that was due on XX/XX/2018 on XX/XX/2018. Copy of that payment notification is attached. Ditech has not posted this payment to my account to reflect that the payment was made. They created a statement on XX/XX/XXXX reflecting that the payment is due on XX/XX/2018, attached I called during the week of XX/XX/XXXX- XX/XX/XXXX and was directed to the servicing department who stated that they would fix the issue and that i would receive an E-mail to that affect. I received an E-mail that the problem had been fixed and was directed to go to the web site. I went to my account on the web site and nothing had changed. I called the week of XX/XX/XXXX-XX/XX/XXXX and was told that there was a computer issue and that i would receive a statement. This has not happened as of this note to CPFB
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Collection Serv XXXX {$1200.00} Original Creditor : Not Available COLLECTIONS XXXXXXXX Act. # XXXX Opened XXXX Reported Closed Condition I did not open this account with this creditor in XXXX. If an account was opened it is fraud. 

XXXX  Balance {$500.00} Original Creditor : Not Available COLLECTIONS XXXX Act. # XXXX Opened XXXX Reported Unknown Condition I did not open an account with this creditor in XXXX. If an account was opened it is fraud.
Product: Credit reporting or other personal consumer reports

Dear XXXX XXXX, XX/XX/4202 We are writing to inform you of a data security incident ni which your sensitive personal information may have ben accessed by an unauthorized third party. This notice provides information concerning the incident and the services we are offering at no charge to help you protect yourself.

What Happened?

On or about XX/XX/2024, XXXX identified a potential incident affecting its systems. We promptly took a series of steps to contain the incident, remediate the issue, contact law enforcement, and launch an investigation fo the incident. Through our investigation of the incident, we determined that between XX/XX/XXXX and XXXX  XXXX XXXX an unauthorized third party gained access to certain of our systems, including certain sensitive personal information stored in those systems.
Product: Credit card or prepaid card

Comenity has not reported updated balance information to credit bureaus for my XXXX store card since XX/XX/2022 or earlier. As a result, the {$0.00} balance on my credit card is showing as a balance over {$23000.00} on credit reports, causing significant negative impact on my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax credit bureau receive my documents to remove a inquiry. They sent documents stating that item has been deleted from my credit file. That item is still on my credit file ....
Product: Credit card or prepaid card

i am a member of Wells Fargo. My credit card gets charged way too high for " interest on purchases '' and it doesn't make sense, because I'm never late on paying for it. Even my credit score has been lowered!
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report and realize I'm a victim of identity theft. My personal information on Experian is incorrect It stated my name as XXXX XXXX XXXX and incorrect address of XXXX XXXX XXXX XXXX, Fl XXXX and I have 2 unauthorized inquiry XXXX XXXX  XX/XX/2021 and XXXX XXXX XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

Portfolio Recovery Associates , LLC ( " PRA, LLC '' ) WITHOUT having express written consent, from me, is inaccurately reporting a debt in collections on my credit report with a balance of {$650.00}. As of XX/XX/22 I called PRA. LLC and asked them to provide the original contract with the " wet ink '' signature that LAWFULLY obligates me to the account/amount, and they could not furnish any contract, OR written consent from me.
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 15 USC 1681. 

Account name : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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

The XXXX Credit Card was issued by the XXXX XXXX XXXX  and serviced by Continental Finance. 
To put things into context please allow me to explain who I am and how I became to be associated with this card. 
I am a XXXX man that was deceived into applying for this Credit Card unknowingly. The application was completed Online. I am not a computer guy, so the application was completed by a third party. To add further aggravation with the opening of this credit card, the XXXX credit card offers an optional Continental Credit Protection program, a form of insurance. I was enrolled also unknown to me. 
By the time, my daughter, XXXX XXXX, came to the picture, I owed 10 different credits cards, all with a balance between {$500.00} and {$2000.00}. She has been helping resolve this by speaking to the credit cards on my behalf and managing these accounts Online. Most have been paid off. 
- On XX/XX/2023, accounting ending XXXX was paid off by making a final payment of {$440.00} - On XX/XX/2023, I called to request account to be close permanently. Because there would be a pro-rated refund owed to me due to the credit protection program being cancelled the month prior, the account will show a credit refund. Continental Finance advised this will be refunded. 
- XX/XX/2023, I called again because refund had not been received. Credit refund of XXXX XXXX was confirmed Online on this date. Continental Finance assured that they had placed request to send refund check to my address on file. On this date they advised it should take approximately 30 days. 
- XX/XX/2023, my daughter XXXX called to question, why the credit refund had been posted in the account as a purchase instead of a refund. Furthermore, she questioned why the charge showed {$67.00} instead of {$61.00}. The additional {$6.00} was now showing outstanding on the account. This new entry made by the credit card company ( wrong ) did not allowed the account : o To be closed o Issued a refund of {$61.00} o Current balance due shows as {$6.00}. IF this not paid, it will rolled into next month by XX/XX/XXXX, accrued interest and drag me into a revolving door where I can not get away from this company- XX/XX/2023, My daughter, XXXX, attempts to login Online into the account without success. The credit card company has blocked access, thus not allowing to see any changes on the account. 
Please note that I have gotten on the phone with my daughter, XXXX, multiple times. I have requested them to add her as an authorized person to speak on behalf. Furthermore, she has submitted a Power of Attorney to confirm my wishes to speak on behalf. None of this has been granted and they still refuse to her. I am a very old person with limited understanding of credit cards.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Acceptance keeps lowing me credit score by reporting a closed account as open. Its for a vehicle i dont even have anymore. I have not made a payment since 2017. I dont have this vehicle anymore. They keep reporting this account in my revolving accounts. I am over 1000 days late. They report im on 120 days late. The account is open and i dont have the vehicle. If this account is open where is the truck?? Why dont i have the truck. They need to be stopped. This is ruining my life. I want to be compensated for all this. I want to seek legal action. The account should be closed. And if they cant fix it and do whats right i am going to have them prosecuted. They were sued for the same things in the past. They are fraudulently reporting this on my credit report.
Product: Mortgage

I have sent in copies of checks made out to freedom mortgage each month for my payment. They are trying to say that I am behind on my mortgage from XXXX of 2021. I have proof and sent it all to them with the copies of the checks cashed by their company. I have called numerous time and sent the checks in to get the account fixed. They have not fixed the account and keep giving me the run around.
Product: Credit reporting, credit repair services, or other personal consumer reports

My SSN and credit profile was released by XXXX companies. I checked my credit report and I have a number of inquiries that are not mine. I have called the companies and they say I must dispute with the bureau. I contacted the bureaus and they say I must make a report with your agency.
Product: Consumer Loan

I am writing on behalf of my XXXX year old deceased father, XXXX XXXX in regards to leasing a vehicle from XXXX Honda in XXXX XX/XX/XXXX. He went to the dealership alone at which time the dealership charged him {$1500.00} even though he was turning in his XXXX Honda and leasing a XXXX Honda Civic ( which I never heard of any dealership doing ). He passed on XX/XX/XXXX at which time we attempted to return the vehicle ( which is in perfect condition and only has XXXX miles since he became ill in XX/XX/XXXX ). I called the dealership, explained the circumstances and was instructed to bring the vehicle back. The first salesman we spoke to stated that the dealership would take the vehicle back " no questions asked '' under the circumstances. He contacted Honda Financial at which time they stated they would not take the vehicle back unless monies was paid to them for the return. The choices that the gave were either 1 ) buy the vehicle out or 2 ) pay an additional {$3500.00} and give up the vehicle. I believe they took advantage of a XXXX year old ( at the time of the lease ) man and are continuing to take advantage of him even after his passing. We returned to the dealership after learning the name of the salesman the following day who also stated the dealership would take the vehicle " no questions asked '' under the circumstances. After four ( 4 ) hours of dealing with the salesman, manager and Honda Financial Department, the car was again brought back to my father 's residence which is now sitting in the driveway. We would like the dealership to take the vehicle back as they stated they would.
Product: Checking or savings account

FRAUD. My new account in XX/XX/XXXX. On XX/XX/XXXX there was unauthorized transactions totaling {$1300.00}. I called Bank of America Customer Service and filed a complaint. They said they would send me a new card, and look into it and it would take 5 business days to resolve. Ten days later I call again and they tell me it was denied! They said they would reopen the complaint and it would take 48 hours.
Product: Mortgage

I submitted an application for a short sale with my lender in XXXX of 2021 I have an FHA and fully understand that I would have to be reviewed for retention options prior to being reviewed for a short sale. I submitted all required documentation with the help of an authorized 3rd party. I have on 4 different occasions been asked to furnish the same documentation over and over. I am still being perused for mortgage payments. I have a buyer who is under contract and willing to purchase the property. They continue to ask me to submit the same documents over and over and switch XXXX individuals each time and each new one says they no longer handle it. Please assist with having the lender review the documents so that this isn't continuing to be a further hardship. I am a single mom with major obligations and this property has been empty since XXXX of 2021. Also, I am not receiving any letter with status update I only find out if I call.
Product: Credit reporting or other personal consumer reports

My credit score drops XXXX points in XXXX fell swoop, now after months it embarrassingly rises XXXX point. Not sure to classify this as pathetic or unbelievable.
Product: Credit reporting or other personal consumer reports

I'm in disagreement with the account listed below which still appears on my credit report, even after your Investigation. 

I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

**Name of Account and Account Number** : XXXX XXXX  XXXX XXXX XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, please provide the names and business addresses of each individual with whom you verified the account, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I submitted disputes to the credit bureaus about fraudulent accounts. Till date I still havent received any responses or updates to my credit report. 15 U.S. Code 168c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from alleged identity theft, no later than 4 business days after the date of receipt. 

These accounts should not be furnished on my consumer report as they are in VIOLATION! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Vehicle loan or lease

I have called the company several times I even sent out a demand letter so my car loan can be forgiven they reply back with a cease and desist letter which thats not what I ask for my car note is extremely high and so is my interest rate I pay every month but the balance Im stressed out majority of my check goes to my car note I need help tremendously ...
Product: Mortgage

My issues are with Select Portfolio Servicing inc. My Loan number is XXXX On XX/XX/XXXX I received a letter from SPS stating the acceptance of my forbearance plan. It stated that I would not owe any monies on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX with a Balloon payment due XX/XX/XXXX. 

On XX/XX/XXXX I called to discuss the plan as It was incorrect. I had already made a payment, that had been received by them XX/XX/XXXX and deposited towards my XX/XX/XXXX payment. I stated that I would not be making that balloon payment on XX/XX/XXXX, as the dates and numbers in the letter were incorrect. 

On XX/XX/XXXX I submitted an inquiry to the companies ombudsman regarding the situation. I sent in all documentation of payments made. To correct the issue on the forbearance plan. 

On XX/XX/XXXX I received a letter regarding my inquiry. It stated that I had in fact made the XXXX payment. 

On XX/XX/XXXX I called to confirm that the Forebearance plan was in fact active and had been adjusted to make the balloon payment to XX/XX/XXXX. I was told whatever changes needed to be made and would be made accordingly and I would receive a letter stating said facts. 

On XX/XX/XXXX I checked my credit score and it showed that I was in default on my home loan On XX/XX/XXXX I called SPS again to confirm. they stated that it was a timing error, but that they would be able to retroactively deal with the credit score error. 

On XX/XX/XXXX I received a letter stating I was in default on the loan On XX/XX/XXXX I called and was told I had opted out of the Forbearance plan on XX/XX/XXXX ( The day I called to dispute the lack of XXXX Payment ) I told them I did not opt out, that I told them I did not agree with a balloon payment in XXXX since I had already made XXXX payment ( Investigations since that call show I was correct and did make the payment ) That is where we are today
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX Account ending in XXXX, with XXXX XXXX has went into default and was charged off, but still remained with XXXX, I had lost my job and could n't pay, so when i found employment, I contacted XXXX because I had several accounts that I had defaulted on. The other accounts were sent to an outside agency, but XXXX XXXX and XXXX XXXX XXXX XXXX still remained with XXXX. When I contacted XXXX because I wanted to set up payment arrangements to bring the account positive. I was put in contact with my account manager, XXXX at XXXX XXXX XXXX. She offered me options to pay less to settle. I refused the offered, and chose to pay the full amount owe, in monthly payments because I wanted a more positive effect on my credit report. As I explained to XXXX, I wanted the account removed once it 's paid in full, and did not want to it remain on my credit report as a " paid charge off '' because its still hurting my score. That the reason I decided to pay in full and not settle, XXXX explained to me that once the account is paid that i can contact their credit reporting department to have it removed. I tried contacting them, but with no response. I opened a case with all three credit reporting agencies and only experian  has responded. They only updated my report with a payment status of " paid collections '' which to me is not helping me, because it still show my delinquent history. The amount that was owed on this account was {$280.00}. I paid it off in 4 monthly installments. I paid {$80.00} on XX/XX/XXXX, {$80.00} on XX/XX/XXXX, {$80.00} on XX/XX/XXXX and the last payment of {$43.00} on XX/XX/XXXX I submitted another complaint and the results was the same, " paid collections '' I 'm trying so hard to improve my credit. I had 7 accounts with XXXX  and all went into collections with i lost my job. the other 5 was sent to XXXX, which I am currently making payment arrangements with them to pay all off in full. i refused the settlement offer too. XXXX is not reporting on my report, because they said as long I do n't break my payment arrangement they will not report. I have bank statements to show where I have paid XXXX XXXX in FULL, XXXX XXXX XXXX will be paid off in FULL on XX/XX/XXXX. the other accounts with XXXX, all those all due to be paid off on XX/XX/XXXX. I 'm writing to you all to look into an investigation and get the XXXX XXXX account off my report, as I was told would happen, once I PAID IN FULL, which I have fulfilled my part of the arrangement. If there are any questions, please feel free to contact me at XXXX