23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have been declined for fraudulent reasons by Caliber home loans. I have been trying for months to get a loan modification. I am over my hardship. Caliber is now declining me because I 'm over my hardship and back on my feet. They state I make to much money. They are also declining me based on FRAUD appraisal of my property. They state I have a LTV of 70 %. I have spoken to a licensed appraiser and a real estate agent. They value the Caliber is using is 100 % fraud. I thought that the lenders in America would learn from the greed and mistakes from the mortgage crash of 2008. Caliber is clearly acting like a predatory lender.
Product: Debt collection

Hi, I have tried countless times to dispute the issue with XXXX, XXXX and XXXX pertaining to the incorrect stated amounts owed to XXXX XXXX XXXX. Each time my claim has been returned as confirmed, which is incorrect in a few ways. Please correct me if I'm wrong, but it is to my understanding that a company collecting debt or so-called debt are required to be licensed in the state of the alleged person that owes the debt. Is that correct? If so, according to XXXX XXXX XXXX LVNV Funding LLC is not licensed in the state of New York. On that data point alone any and all claims and/or attempt to collect debt from anyone in New York should be taken as a violation of the consumer finance law and an attempt to commit an unlawful act. Cases in question are : 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 
All aforementioned companies has charged off 100 % of all the debt above.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I applied for auto insurance renewal, my auto policy quote is coming higher than the normal average amount. So my insurance company XXXX  told me that lexis nexis is reporting that in XXXX of XXXX there was a record of an unauthorized driver on my license. I am the only one that drives my car. This is absolutely wrong and fradulent. This is causing problems for me to can a decent auto insurance quote. I bought my car in XXXX the XXXX  XXXX  XXXX. Prior to that I had a XXXX XXXX. I have had no problems on my license, however lexis nexus is reporting wrong. I need help.
Product: Money transfer, virtual currency, or money service

As of XX/XX/year> at approximately XXXX to XXXXXXXX XXXX. XXXX standard time. I was referred by a coworker via XXXX that she invested with a person that she knew into stocks and forex trading and all I have to do was zelle or chime a certain amount of money to see returns from dividends from her stock portfolio within a day. Claiming that it was legit and by posting a video claiming that it's real, I decided to trust her judgment and I zelle one of her friends {$550.00}. Later I had to prove that I sent it so I had to screenshot the confirmation and then I started to get suspicious as to why she needed to see that knowing that she on her end can see that as well. But once I show proof I got a phone call because I gave her my phone number in my name so she can send me the dividends back. I guess to establish a good sense of communication. However, the person that answered the phone was a male and I started to grow suspicions because they suggested that I had to send more money for a commission fee for whatever dividends I get back requiring that I have to send an additional {$790.00} which was pretty bizarre to me to suggest that amount of money. So I decided to message my coworker, because she has failed to mention to me that a commission fee was even possible. She claimed that she forgot to say that which also struck me as another red flag and something didn't feel right. So I cut off communications and I did my research to find out if I've been scammed or so because I certainly do feel scammed. I don't know if I'll ever get my money back but I would like to know that this person can be reported.
Product: Credit reporting or other personal consumer reports

My credit report contains incorrect personal information, which has led to the appearance of unknown and inaccurate accounts. As a victim of identity theft, my personal information was used fraudulently, and now I see accounts on my credit report that I have no connection to. Following TransUnions guidance, I filed an FTC Identity Theft Report and submitted it, along with all necessary documentation. Despite these efforts, these fraudulent items remain on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

I had a high balance with Citibank. I secured a payoff check for XXXX through a real estate closing for the statement closing XX/XX/2019. The check was mailed on XXXX, XX/XX/2019 to the PO Box address provided to me through their app 's chat service ( XXXX XXXX XXXX XXXX, PA XXXX ). 

The check was received in their PO box by at least XXXX, XX/XX/2019. The check was then held and not posted until after they charged another month 's interest of XXXX. Although the attorney 's office confirmed that the check was cashed, the payoff is not showing on my account and my balance is now showing as XXXX. 

Citibank held the payment in order to charge additional interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX ( Original Creditor : XXXX XXXX ) # XXXX, REPORTING TO XXXX AND XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ACCOUNT # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please XXXX and remove it. 
XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX I Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX BANK Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX AUTO Date of Inquiry XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I can't seem to access my credit report even though I have tried several times. ( see attachments ). As a victim of the data breach a while back, I should be able to look at my credit report without having to go through so much hassle. Why doesn't equifax save my password? Why do I have to always enter another password? Why not use the same one? Why does it say credit report " Unavailable '' I can't seem to speak with anyone there as the hold time is ridiculous to say the least.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent Experian a certified dispute letter about XXXX collection accounts listed under XXXX XXXX XXXX XXXX that were being reported on my credit report. I informed Experian that they are reporting the same debt from the same creditor twice on my credit report. I also informed Experian that being XXXX of the listed XXXX XXXX XXXX XXXX accounts is a charged off account, they should not be continuously reporting payment history each month or balance owed. This is falsely manipulating the statute of limitations which is a FCRA violation. XXXX XXXX XXXX XXXX has reported numerous times that they have reported the balance as a loss and written it off. I have requested official evidence of my obligation to pay this balance being reported. I'm requesting the form XXXX, cancellation of debt form that I should have received certified in the mail for this " charged off as bad debt '' that XXXX XXXX XXXX XXXX reported to IRS that they did with this account. I have never received a XXXX by certified mail showing how much the vehicle was sold for, how much was written off, detailed breakdown of the sale of repossession, etc. 

Experian received and signed for the certified dispute letter on XX/XX/XXXX. I reviewed my credit report again on XX/XX/XXXXXXXX XXXX XXXX  and the account still reflects inaccurately on my credit report. In addition, it has been more than 30 days and I have still not received any written correspondence from Experian or updated results regarding the reinvestigation. I have sent written requests to the collection agency to validate my debt, along with copies of the receipts showing that they received my requests. Experian has not complied with its obligations under the FDCPA. Under the Fair Credit Reporting Act, your action constitutes a violation on my rights, which is illegal.
Product: Mortgage

XX/XX/2018 called Wells Fargo Loan Modification XXXX and they refused to do a loan modification even though I just had buried my mother and was getting to a point to save my home. They said I called in too late about 33 days before the sale and they needed 37 days. They would not postpone the sale or do anything about me working out something with them.
Product: Credit reporting or other personal consumer reports

DELETE HARD INQUIRIES EXPIRIAN 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

The following items are reporting either inaccurately or as a result of identity theft : Incorrect Personal Information Name : XXXX   XXXX  ( XXXX  & XXXX  ) Name : XXXX XXXX ( XXXX  ) Address : XXXX XXXX  ( XXXX  ) Address : XXXX XXXX XXXX  ( XXXX  ) Address : XXXX XXXX XXXX ( Experian ) Address : XXXX XXXX ( Experian ) Address : XXXX XXXX XXXX ( XXXX ) Address : XXXX XXXX XXXX ( XXXX  ) The following accounts are reporting inaccurate credit status : XXXX XXXX - Open Date : XX/XX/XXXX ( XXXX  ) and  XX/XX/XXXX ( XXXX and Experian ) Bal : {$9800.00}. I was never late.XXXXXXXX XXXX  - Open Date : XX/XX/XXXX ( XXXX  ) and XX/XX/XXXX ( XXXX  and Experian ) ; Bal : {$23000.00} ; I was never late. 

XXXX - Open Date : XX/XX/XXXX ( XXXX  ) ; Bal : XXXX ; I was never late. 
XXXX/XXXX : Open Date : XX/XX/XXXX ; Bal : {$0.00} ; I was never late. 

The following accounts are a result of identity theft/fraud : XXXX   XXXX  - Date Open - XX/XX/XXXX Bal : {$450.00} ( XXXX, XXXX, Experian ) XXXX - Date Open - XX/XX/XXXX Bal : {$0.00} ( Experian and XXXX  ) XXXX  ( XXXX ) - XX/XX/XXXX Bal : {$7700.00} ( XXXX ) XXXX  - Date Open - XX/XX/XXXX Bal : XXXX ( XXXX  ) XXXX XXXX XXXX - Date Open - XX/XX/XXXX Bal : XXXX ( Experian ) XXXX XXXX - Date Open - XX/XX/XXXX Bal : XXXX ( Experian & XXXX  ) UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX  ( 2 TIMES ) XXXX XXXX   XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX   XXXX  XXXX XXXX XXXX XXXX  THE FOLLOWING PUBLIC RECORDS IS NOT MINE : Bankruptcy Chapter XXXX - Dismissed XX/XX/XXXX - ( XXXX, XXXX, Experian ) Bankruptcy Chapter XXXX - Dismissed XX/XX/XXXX - ( XXXX, XXXX, Experian ) Bankruptcy Chapter XXXX - Discharged XX/XX/XXXX - ( XXXX, Experian, XXXX )
Product: Checking or savings account

Concerning Citi Bank Accelerate Savings Account : XXXX - routing number XXXX. 

I previously wrote a letter to Citi Bank requesting that they close my saving account. Then, I transferred the funds in the account to an outside bank. The bank remains open. 

I phoned Citi Bank and after waiting XXXX hours on the phone to speak with someone, the man that answered said he could close my account, but then proceeded to request a password. I provided the password that I had written down for the account which is a password that I had used at other times. He informed me that the password was not correct and that he could not assist me unless I provided a debit card number. I DO NOT have a debit card for this account. All transactions on the account were made on-line through bank transfer I am unable to get this account closed, and as of today I noticed a XXXX {$4.00} balance on the account. Thus, I tried to transfer money into the account to cover the XXXX shortage and the process could not be completed. Is that because the account is closed? I don't know. 

Can you please advise me on how to get the account closed since writing the bank a letter and then attempting to close it by phone does not take care of this situation.
Product: Credit card or prepaid card

refused to talk about the problem. They can not verify it is us over the phone. However, we can not go in-person to solve their error.
Product: Debt collection

A company by the name of ECMC is reporting accounts on my XXXX and XXXX accounts. It seems that they are reporting student loan information. I have never signed a promissory note with any company by the name of ECMC while I was attending college. A few weeks ago I requested to ECMC to validate the debt that they are reporting on my consumer credit files, and they failed to do so. I demand that the company by the name of ECMC immediately deletes all accounts from my XXXX and XXXX credit reports due to their inability to verify and validate that I owe the debt to their company. They fail to produce my signature on documents. I did not sign a contract, promise to pay, or promissory note with a company named ECMC and that is the bottom line.
Product: Debt collection

The company by the name of True Accord has been sending me emails frequently about a loan account that they stated I have a balance of and owe. I sent them a letter requesting that they validate this debt that they say I owe. The letter arrived on XX/XX/XXXX & the company signed for the document.I 30 waited days to give them time to investigate. They had until XX/XX/XXXX from the date they received it to send me documentation that this debt is mine. They never responded within that 30 days or provided any evidence .Where is the documentation? I have reached out to XXXX  who True Accord is saying they have verified this account with. I have no idea of this account and it is negatively affecting my ability to qualify for a home loan!! How are you verifying this account? They're clearly in violating under the FCRA. I will file a suit if this isn't corrected by the law
Product: Mortgage

OCWEN Mortgage sent me a check recently for overpaying my Escrow. A few months later they tell me I 'm short on my Escrow so they increase my monthly mortgage fees. I have a feeling I 'm not the only one they did this too. Is this illegal? 
XXXX
Product: Credit card or prepaid card

XXXX has been non-compliant with removing the unverified account SANTANDER CONSUMER U which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that SANTANDER CONSUMER U was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Product: Credit reporting or other personal consumer reports

The modifications to credit reports in XXXX of XXXX were a direct result of a lawsuit settlement against the three major credit bureaus XXXX, XXXX, and TransUnion. This settlement resulted in the creation of the XXXX XXXX XXXX XXXX ( XXXX ). 

XXXX mandated that the three credit bureaus could only report public records, i.e., bankruptcies, civil judgments, and tax liens, if sufficient PII ( personally identifiable information ) existed on the record and if the records were updated at least every XXXX  days. PII includes name, date of birth, social security number, and address. 

XXXX XXXX XXXX is reporting a judgment from a XXXX obtained in XXXX  on our credit reports, and the credit bureaus are all reporting this judgment. While it does not say " judgment '' on the credit report, XXXX XXXX XXXX was the attorney in charge of not only securing the judgment but also the collection agency. 

Despite collecting consumer debt and reporting to consumer credit portfolios, they are not licensed to collect debts in the state of California. 

The civil judgment in question is a public record that only has XXXX of the XXXX PII required to report on our credit bureau report, as such it must removed according to the XXXX settlement. 

Furthermore, the entry is incorrect because it indicates the original creditor is XXXX XXXX XXXX. This is incorrect, as the person we rented the house from was an owner, not a property management company and the property management company has not right to collect the debt.
Product: Vehicle loan or lease

i inadvertently missed a payment on my car loan for XXXX. the last time i paid was the end of XXXX. the only way i found out is that i saw a late charge on my financial software. while i'm okay paying a late fee for my error, this does affect my credit score. i called and asked if there was a way US Bank could notify me if i missed a payment. i was told that i should have received a phone call or a letter. i received neither. they have my correct information, including my email where i definitely receive my statement each month. i do not answer my phone if i don't know the number, but i get voicemails in XXXX, i get voicemails from car warrantly companies, i get voicemails for vacations, but i never received a voicemail from US Bank. i did not receive a letter, i did not receive an email. yet my payment was 6 weeks late and they charged me a late fee with no notification that i was late on my payment. when i called in they said there was no other way to notify me or alert me except the methods that they *did not* perform. this seems to me fundamentally dishonest, wrong, and quite possibly illegal. please keep your eye on them. thank you.
Product: Mortgage

The response is fraudulent because I XXXX XXXX legally own the property at XXXX XXXX XXXX XXXX XXXX XXXX, MA, XXXX and I do not have any mortgage on this property and neither does my father XXXX XXXX, The only signed mortgage notes are registered at the registry of deeds XXXX from XXXX Mortgage that has been discharged and the other from XXXX Mortgage a division of XXXX XXXX Bank and no payment has been made on neither of them for over six years which is well passed the statue of limitations for the state of MA, as confirmed with the Federal Trade Commission. XXXX and Ocwen Loan Servicing LLC does not have any signed supporting documents such as notes registered at the registry of deeds, because of this XXXX and Ocwen Loan Servicing are breaking the law by denying me my Human and Constitutional Rights and also committing bank fraud.
Product: Money transfer, virtual currency, or money service

I opened up a dispute with Paypal about a transaction to XXXX which I did not make. It was a charge of {$980.00} on XX/XX/XXXX. The dispute was closed in a matter of a couple minutes automatically stating the charge was not unauthorized. I contact Paypal through their chat system and was told the purchase was not covered by Paypal protection because it was an authorized payment. They went ahead and told me they can open up the dispute for a different reason which was " Never received item '' opposed to the original " unauthorized charge ''. After telling the agent to go ahead and open up the dispute with that reasoning I was alerted that the case has been resolved and closed in a matter of minutes again. I was so frustrated and did not want to spend days on the chat system again so here I am making a formal complaint against them. I have asked them for proof and documents and was told I was sent those documents through the email which is not true at all. They did not even bother with the investigation to get my money back at all judging by how fast the sealed both cases.
Product: Debt collection

First- I see over 400 reviews on XXXX  saying that this FAKE debt collection company is a SCAM and so many users claim they have been reporting to government agencies. So I implore you to take action before more vulnerable people lose money. 

The company is called Sequium Asset Solutions , LLC In my case, they keep claiming they are representing XXXX XXXX XXXX XXXX ( I can see from many other complaints that they typically claim they are representing any sort of phone or internet or cable companies ). 

Personally, my phone is linked to a Business account in my partners name so I have NO account at all with XXXX XXXX XXXX. It also shows that the account is related to an INTERNATIONAL mobile number and I have never lived outside the US or had an international number. 

When you call them they attempt to " VERIFY '' your account and try to get very personal information from you. If you do not provide this additional information ( info that the real XXXXXXXX XXXX  XXXX would never ask for ) they will not talk to you. 

I have been receiving multiple threatening letters from them since XX/XX/2022. The letters claim that I owe {$250.00} for an XXXX XXXX XXXX XXXX number XXXX. I have also confirmed at an XXXX XXXX XXXX store that this is a SCAM and they do not call their company XXXX XXXX XXXX XXXX and that is not a real number. 

I have put an identity fraud block on my credit report. I am not sure what else I can do other than report this company here.
Product: Credit card or prepaid card

4 weeks ago I had {$560.00} taking from my account overnight when I made no purchases, card was in my possession, and I never left the house so I call " XXXX '' a supposed manager and he stated that there were several clearly fraudulent charges made by internet or fictitious internet companies and he was familiar with these " companies '' so he would send me a new card and issue the credit to my account immediately WELL THAT STILL HAS NOT TAKEN PLACE. THEY DID NOT EVEN CANCEL MY CARD AND ISSUE ME A REPLACEMENT CARD and to my horror today XX/XX/2021 I woke to discover {$150.00} missing from my account and immediately called, got transferred to another female manager this time and she stated her name was 'XXXX  ' and gave me a huge run around told me there was nothing she could do and to set up online access for my account issues and that she was not at liberty to tell me who spent my {$150.00} and then hung up on me. There is something very " fishy '' going on with this company who handles peoples money, they're only income for they're entire family and that is scary and there is someone or many someone's doing some very bad things with peoples finances and feloniously. I know several people whom have had similar problems with us bankreliacard and they never knew what to do or where to go to report them and to get they're money back and I just now have discovered this company and PRAY THAT YOU ALL CAN HELP ME RECOVER THIS STOLEN MONEY BECAUSE I AM DESPARATE
Product: Vehicle loan or lease

They took car, i told them i filed a 1099 A & B, They said car will be sold after XX/XX/year> and stop responding to my 1099 forms and start giving me the run arounds on who handle my case