23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My mortgage with XXXX was transferred to XX/XX/XXXX to Caliber Home Loans. I was not aware of this til XX/XX/XXXX of the transfer, effective for XX/XX/XXXX. I have never in the course of my mortgage contract missed a payment to XXXX, nor later Caliber. XXXX accepted my monthly payments and I noticed XX/XX/XXXX that my XX/XX/XXXX payments were placed into an UNAPPLIED CASH ACCOUNT. I went to XXXX in person, called and sent written communications to XXXX, then Caliber outlining the issues, without receiving resolution. XXXX refused to correct the mis-applied funds. Caliber XX/XX/XXXX demanded payments from XX/XX/XXXX and demanded that I also fund ESCROW. I had always paid my County taxes directly and had done so for XX/XX/XXXX. Double payments made, and the County sent the over-payment funds to Caliber. Add insult my account was not credited. Litigation was inacted XX/XX/XXXX since Caliber refused to apply my mortgage payments, instead placed all my payments into escrow and unapplied funds. A settlement was made and Caliber was to correct the account and make current by XXXX. They failed and refused to acknowledge the errors and apply the funds. I continue to make monthly payments which are not applied to date ( XX/XX/XXXX ). XX/XX/XXXX my checks are either returned to me with a note that they will not accept payment, or sometimes cashed but not applied to my account. I recieved a notice from a Mortgage Rescue company that made me aware that Caliber unlawfully filed for foreclosure, listed my occupied home for auction placed my home on the market for sale on XXXX, without notice or court approval. My attorney was contacted and Caliber refused through counsel to rectify. Law suit filed in XXXX XXXX Ohio XXXX for breach of contract, fraudulent mortgage practices, intent to defraud me of my home, XXXX, financial and personal damages. They have ruined my credit, caused me additional losses with taxes and deductions, unable to refinance or obtain credit due to the negative reporting, the stress and fear of losing our home. The attorney fee ( s ) over the last three years to fight this unlawful mortgage practice of defrauding homeowners. If you like a copies of the monthly communications to Caliber they are available, including the contact information for my attorney. I have checked and Caliber has been sued, prosecuted and repeatedly done this to homeowners. I am sure that XXXX has been swapping out Mortgages which is all part of the mortgage crisis created with the intent to defraud and divest honest homeowners. XXXX Bank sells the mortgage to fill their coffers, then gives to a collector like Caliber to literally steal the home since there is considerable equity.and low mortgage balance. I would appreciate your assistance.
Product: Student loan

This company is damaging my credit by reporting erroneous late payments. How can a payment be 90 days late within 30 days or with the month prior stating payment history is satisfactory? All these inaccurate negative reporting should be removed. 

Also, I did some research on the FTC website, and it states that this financial company was supposed to notify me within 30 days in writing before or after reporting ANY NEGATIVE INFORMATION TO THE CREDIT BUREAUS. 

I never received any notification. 

Negative Information from Financial Institutions -- If you are a financial institution ( as defined in the Gramm-Leach-Bliley Act ) that extends credit and regularly reports information about your customers to a nationwide CRA ( for example, XXXX, XXXX, or XXXX ), you must notify your customers that you report such negative information. Examples of negative information include a customer 's delinquencies, late payments, insolvency, or any form of default. FCRA 623 ( a ) ( 7 ) ( G ) ( i ) Please See Attached Document Showing Inaccuracies in reporting!
Product: Debt collection

" Creditors often stop charging interest after they charge off a defaulted account because of certain business reasons and because they are otherwise obligated under the Truth in Lending Act to send monthly statements to cardholders. " Capital One is charging interest on a charged off account. Thus the account shows a XXXX percent usage balance of {$8300.00} on a {$7000.00} credit limit Capital One is charging interest on a charged off account. thus account shows a 115 % usage balance {$3400.00} on a {$3000.00} limit. 

They are " OBLIGATED '' to send me monthly statements and I have yet to receive just one.
Product: Student loan

I was laid off work, due to Washington state mandatory office closure for the corona virus, on Wed XX/XX/XXXX. On Thursday XX/XX/XXXX, from AES, I received an autmated email stating to go to StudentAid.gov and apply for Income Based Repayment plan, which I did. It also stated if I have any questions, several ways were listed on how to contact them. I tried them all. I went to the app and tried using online tools to defer, but a pop up stated it was unavailable and needed to call. I called, and the message said the office was shut down, no way to leave a message. I tried their website, also ran into the same issues. I tried to email, but a pop up stated it was also not available. ( AES does not have an email address listed, you have to email them through their app or website ). I tried live chat, it stated no one was available. Finally I went to their social media site, and saw that I was not alone. Hundreds of comments were showing that they too could not get a hold of AES, and were getting no responses. I left a comment, and was told to message them through XXXX XXXX. On XXXX, I was told " I reached out to my team to assist in requesting a deferral on payments in response to the corona virus directly impacting you. ", and " I'll keep tabs on your request to see when our team is able to reach this '', and " Still available on Social! ... .Message here if you need anything. '' Fri XX/XX/XXXX, I checked up via XXXX XXXX  to see if they recieved/reviewd my application, since I had to file for deferment for my other student loan ( XXXX ) through the same website, and wanted to make sure it was done correctly ( There was no place to specify what loans I was applying for deferment, I am assuming because it addressed all. Yet from XXXX, I got quick responses same day and follow up emails and calls answered in under 10 minutes. My deferment was just approved yesterday with XXXX. ). From AES-No replies AT ALL. I tried again XX/XX/XXXX Sunday, on Monday, and Tuesday. No replies. I can see that my messages were " read '' by AES, but no one is responding!!! Then I was billed my full amount, debited right from my Checking account yesterday. I again tried all the ways to contact them listed above, and finally an email was able to be sent, I received an auto reply saying my Deferment question was received, and they'll get back to me asap. I am very frustrated at this point. I have no income at the moment and they are not helping me during these financially difficult times. I have been a customer of AES since 2005, never missed a payment, and have even paid extra on occasion. I am very upset with how they are handling the national crisis. People are struggling, yet they are making themselves unavailable to their clients.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to have this Tax Lien removed from credit file. Equifax reports verified by XXXX. I have the report from XXXX and it is not on there report. Also after X/X/2017 tax liens should be removed from credit file.
Product: Credit reporting or other personal consumer reports

delete hard inquiries ccordance with the Far Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
The accounts below have violated my rights. 
15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Jection 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 ) ( a ) 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

I am writing to formally file a complaint regarding a fraudulent charge that occurred while I was traveling overseas. Upon discovering the fraudulent activity, I promptly notified my bank, Capitol One, which conducted an investigation. The investigation concluded that I was not liable for the charge and sent me a notice as a resolution.

Despite this finding, the bank has refused to remove the charge from my credit card account. I have received written confirmation from them stating that I am not liable, yet they continue to hold me responsible for the charge. This refusal to take appropriate action is a violation of consumer protection laws, and I am seeking assistance in resolving this matter.

I would appreciate your attention to this issue and any guidance or support you can provide.

Thank you for your time and consideration.
Product: Credit card or prepaid card

I have been through a lot of hours on hold and told multiple answers to same questions for some time now. I have received and email from pua clearing me of am investigation into fraud and an approval of a back dated claim to XX/XX/XXXX on XX/XX/XXXX and received a payment issue date for 21 weeks of unpaid weekly benefits. To do so I uploaded picture of me holding ID and pictures of ss # and parcel from my po box I use for mail and pics of me at post office and at post office box etc etc. I was family given a payment issued date of  XX/XX/XXXX and was in progress until XXXX of XXXX I believe and my payments for all 21 weeks were given payment # transaction # and pay date of XXXX. With trans # payment # My payment date kept going back a week to XX/XX/XXXX them to XX/XX/XXXX of XXXX two of those weeks came and gone and no payment even though my pua balence available already showed the money removed on pua portal. Bank of america must have this money and will not post it to my pre paid card. I've lost a residence and now my vehicle will be gone shortly not to mention the on going calls and questions I never get straight answers to from both pua and bank of america .I am currently basically Homless and stay with a friend and pua knows this and I only have my po box to recove my mail.
Product: Checking or savings account

XXXX XXXX XXXX check, written out to me for an unfortunate occur XX/XX/2019 auto accident, compel about {$5000.00} worth the vehicle repairs, was issue to me, and mine primary prospect attend Auto Body Mechanic ; Both names were printed on the check, although soon before, I did in fact, cancel the mechanic work performs regards the " primary shop mechanic '', and since there invoice for attention correct costs apply were malfunction. 
In order later, after the check was issue to me arrived me physical juris., I thought to save time and further inconvenience, apply make new check, at aftermath, shop malfunction event, regards " new chosen vehicle mechanic '', " have the check that was already issue, now, mine possession, " deposited '', into mine bank account, ... withdraw the funds when check clears, and then of just withdraw cash money, physically pay the new auto mechanic '' ; Sirs, after the approx. almost XXXX, check was in fact " cashed '', I did go and withdraw smaller amount of the exclaimed available funds, cash, and then soon later, attempt to gain the remainder, in order to complete pay the new mechanic at facility locate close by, off XXXX XXXX, XXXX, XXXX, as for then, unfortunately the bank informed me that relevant already cashed check had not been honored, and an " hold '' was placed on my account. 
I was caused XXXX, and upset at professional business to loss, by this unfortunate Well 's Fargo Bank 's malpractice event ... '' I call robbery '', by them, since Wells Fargo exclaim `` already clear '' that " insurance check '', provide me cash money, and allow relevant remain money register mine checking or savings account, then claim contrary matter, you ... '' mistakenly '' " cleared '' my check, ... Now then, 2019 you at Wells Fargo steal my money back. This cruel, and unusual, act by Wells Fargo, was outrageous and is unlawful, and now after XXXX XXXX military service detour, allows me be fit ready to further accommodate this acts of robbery by Wells Fargo, I must do so, ... and further request for here assistance by complaint administer to yours Sirs, CFPB, allow enforce justice to here obvious banking, crime.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S.

Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This XXXX XXXX XXXX account thats showing a charge off on my credit report is fraud and doesnt belong to me
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting an inaccurate late payment on my credit report.
Product: Credit card or prepaid card

My husband and I have tried fixing the issue with Bank of America several times. The card ending in XXXX shows as paid late. This is not the case. Bank of America rep said our cards where paid in full. The on-line account is 2 months behind. I dont how that can even be a thing and the app says we can not pay through the app. When we called in the rep said our payments where current. Please removed XX/XX/XXXX day late derogatory comments from all credit reporting agencies.
Product: Credit reporting or other personal consumer reports

I

have identified several items on my credit report that I do not recognize and believe may result from identity theft. I did not authorize these accounts, and their presence is causing significant distress and misrepresenting my credit history. This issue has been raised previously, and I am now formally requesting the immediate removal of these unauthorized accounts from my report. The inaccuracies are severely impacting my ability to pursue essential financial goals, such as purchasing a home and providing for my family. If this matter is not resolved promptly, I am prepared to take legal action to protect my rights. Please confirm receipt of this message and provide an update on the steps being taken to address this issue. Thank you for your prompt attention.
Product: Checking or savings account

Account got closed randomly. I have had the chime account for more than 3 years, same transactions never had problems until yesterday when it got closed randomly stating they found transactions not in line with their regulations but I did not have any illegal transactions of any kind. I have tried to get information about the closure/ how to get it reopened so I can receive my direct deposit from work. It is affecting my life and my bills because I have not done anything out of the regular on the account. I had a dispute which was legitimate that was pending also on the account. I had no help from them whatsoever, they just kept stating the same information over and over again like a robot and did not give me any solutions and gave me misleading information as their " supervisors '' give different information when talking to them. Since I have to change direct deposits for work and banks it will delated me getting payed a month which heavily impacts my bills and way of life. A very shady and sketchy company who did no help me at all even though I know i did nothing wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a checking account with XXXX XXXX in XXXX. In XXXX I made a transaction that XXXX XXXX  paid which caused my account to become overdrawn. At the time, I was a struggling college student, and since this incident I have become extremely aware of how important it is to manage the balances of my accounts responsibly. XXXX XXXX  decided to close my account before I was able to deposit the funds which would have covered the transaction. Years later, I am preparing to purchase my first home, and I find something on my credit report from XXXX XXXX  from XXXX. I have shredded all paperwork associated with XXXX XXXX  since they left me 'high and dry ' with no place to hold my student loan funds etc. and am now very happy with XXXX XXXX. I have no record or memory of opening a " line of credit '' with them at any point during this period or during my lifetime. I wrote to XXXX XXXX   several times and they only replied with " nothing we can do. '' I finally spoke to XXXX over there, and she let me know that in fact, I would not have any documentation for this account because I never opened this account and that they simply did this to skirt the XXXX XXXX process ( and essentially give me a harsher and longer punishment ). XXXX is going to try and help me by talking to her boss ( she was very helpful and understanding ), although when I explained how unethical this sounds all she said was, " I know, I have no words ... '' This behavior should not be tolerated by banks - I feel like this could be considered identity theft since XXXX XXXX  opened the " line of credit '' account without my knowledge AND without providing any information about it to me even after they did. I have spent HOURS trying to get a straight answer from representatives over there because not only is the account closed, and extremely old, but also ILLEGITIMATE. I'm not sure if XXXX will be able to help me by removing the adverse account status from my credit report as she is also the one who sent me the " sorry not sorry '' letters, but either way I feel like this behavior should be something that is brought to the attention of the CFPB and I really hope that it is investigated further. I know that the CFPB would like supporting documents but unfortunately I do not have any - and I doubt XXXX XXXX  does either since this account shouldn't exist - and it was 8 years ago I've shredded anything associated with it since I confirmed since then that were no adverse accounts on XXXX XXXX ( I didn't know to check credit bureaus since I didn't know I had this 'line of credit ' ).
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSIONto file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in removal the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Today is XX/XX/ and i was emailed that i had a recent hard inquiry. I have not applied for anything so i was confused. I call the number and it connects me to transunion. I call transunion directly to have it disputed they refuse to remove and provided no explanation as to why. They are being negligent in their duties when i call they inform me they can not submit a dispute for an hard inquiry only for accounts on the credit file. They state that they send notifications for inquires to the creditor and once that is done the creditor informs them on what to do with the inquiry. This is completely against federal law and they have with no problem at stated to me that they will break the law and have no issues
Product: Credit reporting, credit repair services, or other personal consumer reports

Why can ; t we qualify for Credit. I have bought from lowes for years. This is dirty pool being regeted again and again. WE have bought 2 XXXX, 2 XXXX  XXXX XXXX XXXXs 3 XXXX, XXXX XXXX XXXXr and e2e XXXX and 2 XXXX So Why am i DEFINED a LOEWS CREDIT CARD/?? what do i have to do? Buy the company. jJust wanted to tell you its not a very fair conquest. Perhaps i will go to big XXXX, d They gave me a cafd but i prefer LOWES depending onwhat becomes of this situation d
Product: Debt collection

I XXXX XXXX and a XXXX Veteran. Due to my XXXX I gave the property management company XXXX XXXX XXXX two ( 2 ) Reasonable Accommodation Letters that both stated that due to health reasons and my XXXX I would need to move out of my home in which I paid my rent and move in with my daughter in order to have around the clock care according to my medical physician. According to ADA Regulations and the Federal Fair Housing Act with the presentation of my Reasonable Accommodations under the protected class of XXXX, I should have been absolved of any rental obligations once I removed myself from the home. I returned possession of the premises on or about the dates of XXXX XXXX  2023. I did this to avoid any prorated charges that would occur the following month. The apartment was left in move in ready status and a walk out inspection was completed by the staff of XXXX XXXX XXXX. In XXXX  2023 I received a bill for an untrue amount in which I disputed. I believe that my constitutional rights of Due Process have been violated. Instead of XXXX XXXX XXXX clearing this unresolved matter in court in the form of retaliation this property management sold this untrue debt to a collection agency in order to have this debt show up on my credit to further harm my future housing status. As a result I now have been charged a higher mortgage rate for my new home that I just purchased through a XXXX  XXXX XXXX Mortgage.
Product: Debt collection

Although I don't think the subcategory I clicked is correct they failed to disclose they are a debt collector. 

Phone call was received by the number ( XXXX ) XXXX, at XXXX XXXX  on XX/XX/year>. Phone call was declined and a XXXX second voicemail was received stating " This is XXXX XXXX calling from XXXX. Please call me or an associate at XXXX ( XXXX ) XXXX extension XXXX. Thanks. '' They did not state they are a debt collector, they listed an acronym for their company which is very deceptive. This is in direct contradiction with the Federal Debt Collection Practices Act ( FDCPA ), United States Code 15 U.S.C. 1692-1692. They must disclose who they are and the purpose of this phone call, i.e. this is an attempt to collect debt.