23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I refinanced my home with Caliber Home Loans in XXXX. 
Due to issues with them paying my taxes late and making me pay the late fees and interest, I contacted them several times to cancel my escrow account using the procedure and forms they required. They denied the request. They always say that the " anticipate '' larger amounts will be required for future taxes and insurance coverage. I began paying my taxes and insurance payments in XXXX to prevent them from continuing the mistakes of the past. ( I have the receipts. ) To call them is a live nightmare, referring always to a customer service number with lots of suggested extensions but none of them applicable, or those who are unable to assist or answer the questions. 
I have called many times and written several letters to get them to stop the escrow inclusion in my payments, sending them by faxes. I never receive a reply, except twice recently which was not expected and left no person, office, place, or extension except the customer service one. They have told me many times that it has been sent to the " escalations management department '' and I should receive a phone call in 7-10 business days and they have never even called or given me information on how to contact them. 
I have threatened them with applying to your office for help and legal proceedings. To no avail. 
They have paid my taxes on property of mine not connected to the mortgage. 
The increases to escrow has raised my monthly payment from {$1000.00} to {$1800.00}.
Product: Checking or savings account

Again I am having the exact same issue as before. I am unable to use funds in my own account. Hold times to speak with the fraud department exceeded 2 hours at any point in any time. Ive tried reporting fraud since XXXX. My transactions are being blocked. No explanation is being given. Cant get a representative on the phone because I dont have 3-4 hours to wait on hold. This is unacceptable. Next step is calling the news and posting on social media.
Product: Debt collection

TRANSWORLD SYSTEM INC was notified as a debt collector in writing that the consumer refuses to pay the debt and that the consumer wishes the debt collector to cease further communication with the consumer. TRANSWORLD SYSTEM INC, shall not communicate further with the consumer with respect to such debt. I respectfully requested that their offices provide competent evidence as per the attached Declaration and Proof of Claim that I have any legal obligation to pay them the unsubstantiated alleged debt. 
They needed to show proper validation of this alleged debt and if this was not provided within XXXX calendar days of receiving the notice, everything mentioned stands as truth, and the alleged debt is said to be invalid. 
FDCPA CODE Violations Committed By the Following Company TRANSWORLD SYSTEM INC 12 CFR 1022.3 Definitions Identity theft means a fraud committed or attempted using the identifying information of another person without authority. 
Anything added to your report without your written consent could be considered Identity theft 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character Violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341 ( Mail Fraud )
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX promised to remove 30 day late as XX/XX/2022 and has failed to do so. My account was updated with credit bureaus on XX/XX/2022 and 30 day late remains
Product: Credit reporting or other personal consumer reports

I need to inform you I was the victim of identity theft. I'm disputing the accounts as it was opened without my knowledge, consent or authority. I contacted the company and they said to file the FTC affidavit from the site identitytheft.gov. Please dispute the following accounts. It was opened without my knowledge, authority or consent. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) THAT YOU, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at 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 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  These accounts have resulted in several fraudulent hard inquiries and fraudulent addresses appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, addresses, or hard inquiries as reported. The aforementioned accounts, addresses, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, addresses, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX XXXX XXXXXXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, addresses and hard inquiries are the result of identity theft and fraud. list of inquiries in question :
Product: Mortgage

In XX/XX/2019, PNC mortgage broker XXXX XXXX ( Mortgage Loan Officer NMLS XXXX ) informed me a rate ( 3.125 % ) that is 0.125 % lower than the true rate ( 3.125 % ) in effect upon closing. She later admitted the mistake but said there was nothing that she can do. When I learned the true rate, it was too late for me to switch to another mortgage company because there was not enough time before the school year starts in XXXX. She also informed me of a lender 's credit in the amount of around {$1900.00} in early XXXX as a compensation, but that credit was later withdrawn by PNC without notice. She also informed me of a number for funds needed for closing which turned out to be deficient by {$12000.00}, which caused me great inconvenience in preparing for the closing funds on a short notice.
Product: Debt collection

ERCIS REPORTING THAT I OWE A DEBT IN THE AMOUNT {$310.00} I REQUESTED VALIDATION OF THIS DEBT FOR AT LEAST 90 DAYS. THEY HAVE NOT VALIDATED THE DEBT TO SHOW HOW I OWE THIS BALANCE TO THEM
Product: Student loan

The student loans are parent Plus Loans in my mother 's name, but I pay for the ones taken out for me, and my brother does the same. The loans are serviced by EDfinancial. Back in XX/XX/XXXX, I set up autopay with the same account information I had used to make manual payments during the loan repayment pause. I had been making payments ahead of time despite the autopay setup since I wanted to reduce the interest more aggressively, but also wanted the autopay there in case I ever forgot to pay early. Eventually, I stopped because the portal said I was ahead by a couple of months but would be due for payment again starting on XXXX XX/XX/XXXX. I say this to show that though I had set up autopay in XXXX and everything showed properly on the client portal, Autopay had never been used up to this point. 

The autopay did not work and the account was starting to notify me that I had overdue balances today, XXXX XX/XX/XXXX. I went and checked the portal and the autopay displays everything set up properly, so I was very confused. My solution was to call the company as an authorized user to the account to try and determine why the autopay did not work. They told me not only do they not know why the autopay was denied. Furthermore, even though I just paid the past due amount and resubmitted for the autopay, I was told that the portal is incorrect in telling me the autopay will be enforced in 2-3 business days. I was told to expect 2-3 billing cycles ( 2-3 months ).

I am extremely dissatisfied with the following points here : 1. The call staff were unable to tell me what the issue was and why my autopay did not go through. 
2. I will need to wait 2-3 months to see if the second application will work, even though nothing has changed between the first and second applications for autopay. 
3. The client service portal displayed that the autopay was active despite being told it was not by the call staff, and the confirmation pop-up for resubmitting for autopay instructs the user that the autopay will start in 2-3 business days ( which is not accurate ).

Between the inaccurate website and the lack of information, I find it very frustrating that the loan company is being this difficult with me just trying to pay my loans off.
Product: Credit reporting, credit repair services, or other personal consumer reports

The office of my insurance broker, XXXX XXXX, was broken into. The computers were stolen with all client information. The insurance company hired a company, XXXX, to help those of us affected clear the fraud. I was one client that was hacked. Multiple credit cards were opened in my name. During the first round of paperwork some of the accounts were cleared with the above information. Some did not clear. XXXX then found that the remaining accounts had the following common. The cards were opened by someone in California. They would order items and use my mailing address as the shipping address. Then they would change the delivery address after the fact. 
Once this extra level of the fraud was found, the other accounts were cleared as fraud. 
The only one left is a CitiBank account for {$3500.00}. This debt was purchased by XXXX XXXX a debt collector on XX/XX/XXXX. This then reset the date shown on my credit report. Now I am again having to prove it was fraudulent for them. 
The actual open date according to XXXX was XX/XX/XXXX which is inline with the other fraudulent accounts.please help me clear this item also. My email is XXXX. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was involved in a class action suit with XXXX XXXX  XXXX because of fees and their reporting inaccuracies on my consumer reports such as XXXX and early warning. I received XXXX checks in the mail for all three accounts, however, only XXXX were removed from XXXX, and Early Warning as I have previously disputed the inaccuracies with them in the past. They are still reporting the third account and it is affecting my ability to open a new bank account. I was instructed to contact XXXX and Early Warning as they are the reporting agencies still reporting this inaccurate information. The account below is still reporting inaccurate and I am asking for them to please remove it. 

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

Notice to all, I am that I am, the consumer in fact, natural person, creditor, lender, executor, administrator, holder in due course of any and all derivatives thereof for the Surname/given name XXXX XXXX XXXX XXXX and have been appointed and accept being the executor both public and private for all matter proceeding, and I hereby claim that I will D/B/A XXXX XXXX XXXX and autograph as the agent, attorney in fact, so be it ; 1. It is a Fact that afant is the only natural person with rsthand competent knowledge of the facts of this transaction. 2. It is a Fact that afant is a consumer as dened in the Fair Debt Collection Practices Act specically, Title 15 USC 1692a ( 3 ) because afant is a natural person. I am writing in regards to the accounts # XXXX & the subsequent compromise of my personal information. Pursuant to Title 15 USC 1681 ( a ) ( 4 ) your company failed to ensure that the information on my consumer report was accurate failed to exercise their responsibility with fairness & impartiality. Upon reviewing my report, I discovered fraudulent account opened using my personal information which is a result of the data breach any legal means, including power of attorney fraud. I demand immediate action to secure my information & prevent further identity theft in accordance with the FDCPA is protection of my privacy I demand that all fraudulent information be removed from my report within four business days, per FCRA section 605B & title 15 USC 1681 C2. I do not give consent for any information to be furnished without my authorization per title 15 USC 1681 604 ( A ) ( 2 ). I expect any violations on my consumer rights to be addressed with fairness and impartiality. With all these violations listed and fraud found I may start the administrative process. However, I will give your company the ability to settle out of court or you will be held liable for all damages In a XXXX Court room. Conduct yourselves accordingly. XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

In the process of purchasing property and preparing for the closing we received an email instructing us to wire our portion of funds so the closing will not be delayed.  We discovered that the person who is named on the wire nor the bank is not associated with the Title Company we have been dealing with.  We wired over $22,000.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2022 To somebody who can help me. I am very upset about the erroneos things I see on my cradit report. These accounts are unverifiable, invalid, inaccurate and questionable. If all information reported on my report is not 100 % accurate, it must be removed. I hope you can find out what's going on and locate who the inaccurate information belongs to. Can you expedite this quicly? It is my to understanding, that you will do an investigation immediately. A new credit report that reflect the updated changes should be sent. You must complete this investigation within 30 days of the receipt of this letter. According to the law unverifiable, innaccurate, accounts must be removed and if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. 
Thanks for your help with this matter. 

1. Billing error XXXX XXXX  XXXX  Account Number : XXXX Please remove it from my credit report. 




Sincerely, XXXX
Product: Vehicle loan or lease

Have a loan for XXXX XXXX XXXX, I financed the vehicle on XXXX XXXX the mature date for the loan is XX/XX/2020. I called to ask for the payoff date and amount. I was blown away they said over XXXX was the payoff. The total price I be paying for this car with 22 % interest rate is XXXX. The loan and interest rate seem a little over priced and only benefit the company profits. I like this matter to be look into and correct.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus Transunion, XXXX, XXXX. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across TransUnion, XXXX, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, Transunion, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within XXXX days of receipt of this letter. 

Thank you for your time and help in this matter. 


Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through Transunion, XXXX, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX Balance {$20000.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX  {$160.00} Date Opened XX/XX/XXXX XXXX  Balance {$360.00} Date Opened XX/XX/XXXX XXXX XXXX CREDIT ( Finance XXXX XX/XX/XXXX XXXX XXXX ( Auto XXXX XX/XX/XXXX XXXX XXXX  ( Bank ) XXXX XXXX, XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Auto ) XX/XX/XXXX XXXX
Product: Debt collection

SIMM Associates XXXX Inc who is not authorized to conduct business in New Jersey is a violating my consumer rights. Without my consent 15 USC 1692c ( a ) they have contacted me to attempt to collect an alleged debt that is unverified. I am requesting that this debt collector cease unauthorized communication with me via all mediums, including but limited to ; text, mail, phone, consumer credit reports, and courts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Once again exeter finance dances around the topics in a complaint. 
1.i have never by exeter or any credit reporting agency been informed of any of the investigative steps taken to come to their responce other than exeter reviewed phone records So since this in its self is a clear violation of the time allotted by the FCRA I ask the CFPB to travel this file deleted and if there cfpb will not based just on that, then I would like to add that according to the fcra that any evidenced used in making a determination or finding in a dispute, is evidence that I am privy too, and if you refer to my previous complaint I stated a formal request to exeter finance to be given any and all calls that they used or have, and ot only have I asked in this instance but at least 3 others and just like the previous complaint exeter and XXXX have totally shown batten disregard for my right to evidence as it clearly states in the fcra that I have a right to upon request so on these grounds as well I ask the cfrb to either remove or persuade deletion. And on the very slim chance that the cfrb doesnt see the rights violation as grounds for deletion I will be seeking civil penalties against those who have and continue 2 bully and flex their I'll placed power XXXX am Formaly requesting any and all including but not limited to the calls that exeter finance made evidence by stating that they reviewed then and stated their fin of review.the fcra allows a time for delivery of 15 days if not delivered in that time please do away with this account so that this nightmare of dealing with this lying company who will not stand by their word when this vet stood for them if for some reason claims company policy for not being able to release please advise them that if they did not want them to become rightful and dutiful evidence they should have never mentioned them in their responce company policy is no concern of mine as I am within my rights to review them and if they do no provide then please Delete this file hopefully my words early on in this complaint will enable it to not get to this point and will be delete C
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Holder XXXX XXXX XXXX Original Creditor Revolving Account Account # XXXX Date Opened XX/XX/2021 XXXX Day Late Payment 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 166b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my instructions. 

This has messed up my reputation and I need this account deleted.
Product: Credit card

On XXXX XXXX I received via US mail a Walmart MasterCard. This is a real credit card, not an application or a temporary card. I have NEVER requested or applied for a Walmart credit card. Naturally I destroyed the card. On XXXX XXXX, I received a bill for this credit card for purchases made at a XXXX in XXXX, NY. I have never been to XXXX, NY. This is clearly an attempt at identity theft. I do not understand how someone could use the card or the account number when it was never activated. I have written to Synchrony Bank ( who issued the card ) reporting this misuse of my personal information and informed them that I refuse to pay the bill. I also closed the account via their telephone system. My concern is that, because the credit account was apparently opened without actually using the card, further purchases may occur. Also, a different Walmart/Synchrony bank credit account, albeit with the same opening date, shows up on my credit reports, so apparently there are XXXX accounts I have to deal with. I am very concerned about this and not sure how to stop the misuse of my personal information.
Product: Credit reporting

This account does not belong to me. 

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

I have these accounts that are not mine and i want them to be removed from my credit report. 

1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft CITIZENSONE Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.