23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Caliber Home loans charged excessive fees without an explanation on the nature of the charges. Caliber Home Loans charged more fees on XX/XX/XXXX, XX/XX/XXXX and XX/XX/2016 after they received the pay off {$770000.00}, .I closed escrow on XXXX/XXXX/2016. 
Caliber Home Loans did not sent any explanation, receipt, invoice or proof of payment to persons or institutions. 
It seems that Caliber Home Loans can charge whatever in a spreadsheet ( all kind of numbers ) and nobody in customer service can explain what those charges are.
Product: Credit reporting or other personal consumer reports

On XXXX credit report theirs is XXXX negative item that's fraud account last XXXX XXXX it supposed to be removed from my XXXX credit report and equifax Credit report theirs is a federal trade commission identity theft report on file social security number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity theft. There was a bankruptcy filed on my credit report without my knowledge or authorization. I was able to provide documentation from the Bankruptcy courts and from the 3rd party company they use " XXXX XXXX '' that also provided me documentation that further confirms that they have removed this information from their report. However Experian and only Experian refuses to removed the a dismissed bankruptcy off of my credit report that has been confirmed is fraudulent. I need assistance with getting this matter resolved.
Product: Credit reporting or other personal consumer reports

I discovered this morning that my credit report contains unauthorized inquiries, and I am at a loss as to why theyre there. I reviewed my report as I usually do, only to find unexpected discrepancies. I even refreshed the browser, hoping it was just a glitch, but the unauthorized entries remained. Im extremely frustrated and need my documents reviewed thoroughly to ensure this never happens again.
Product: Credit card or prepaid card

Shortly after opening my American Express card, I setup billing from my bank checking account and enabled Autopay. My bank declined my first payment for some reason, but worked a few days later with the same account number/routing number. Unbeknownst to me, American Express cancelled my autopay. While they informed me that the payment didnt go through originally, I was never notified that autopay was cancelled. 

This month, I expected that my statement would automatically be settled through autopay, but I was surprised when I checked my account and I was assessed a late fee. I worked with Amex to reverse the fee after explaining that they cancelled autopay without my knowledge. 

My main complaint and worry is that this credit card company is able to cancel autopay and not notify customers that this has taken place. This allows them to be predatory in collecting late fees that customers dont expect because their accounts go past due, when they shouldnt due to autopay.
Product: Credit reporting or other personal consumer reports

I sent letters to each bureau on XX/XX/2023. I attached the FTC report as they requested. I have sent a follow up letter on XX/XX/XXXX and still no response with updates of fixing the inaccurate accounts on my credit. There was also no verifying information or how they investigated these accounts that are still reporting. The items that should have been investigated and eventually removed are : XXXXXXXX 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
Product: Credit reporting or other personal consumer reports

Sent in Disputes for accounts reporting on my consumer report inaccurate information. I requested deletion of each account. These accounts are unverified and are a violation of the FCRA because they are still reporting on my consumer report. ( XXXX XXXX XXXXXXXX XXXX ) are the accounts that are inaccurate in reporting and must be deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted all three Credit Bureaus/Agencies ( Experian, XXXX XXXX XXXX  and the XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX? XXXX XXXX involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately.
Product: Mortgage

Wells Fargo wrongfully foreclosed on our home on XX/XX/2017.
Product: Credit reporting, credit repair services, or other personal consumer reports

don't recall allowing these companies to check my credit report, it was not authorized and therefore must be removed XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

the told me to sign a piece of paper, that i did not read, because it was not in laymen terms.It would have taken me hours to rea d it.She to ld me it was to be used to ONLY check my credit report in case i needed a loan..I found out later it was for a credit card, that if i knew, would have never gotten it.I got it in the mail a couple of days later and within minutes cancelled it.In doing so, my fico score dropped from  XXXX  to  XXXX .Just because i was lied to, and trusted them.The only thing i asked was to take the cancel off of my credit report to get my points back.They refused!
Product: Vehicle loan or lease

We are in a pandemic. My wife lost her job during the pandemic. We fell behind on out payments due to her loss of income. I tried working directly with Honda to fix this, they were supposed to help us and not have these lates hit my credit report and they are. 
Dates of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX should have all been part of this. I am a XXXX XXXX XXXXXXXX vet and we have been doing everything we can to make this work. At this time, all payments have been caught up. I am requesting to remove these lates from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX***Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX***Balance : {$0.00} ; XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$5600.00} XXXX XXXX XXXX Balance : {$200.00} ; XXXX XXXX Balance : {$830.00} ; XXXXXXXX XXXX XXXXXXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/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
Product: Credit reporting or other personal consumer reports

My account with EXPERIAN XXXX was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EXPERIAN XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I am requesting again in regards to the inaccurate and unknown account on my credit report. There are multiple errors shown in my report. Please verify that this account is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please correct and update this account and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX
Product: Mortgage

I was in forbearance for the past year. I called my Loan Servicer up at the end of XXXX in hopes that they would put what I owed into the back of my mortgage. I was instead offered a modification which raised my interest rate from 4.75 % to 7.25 % and increasing my payment to almost {$500.00} per month. I always thought especially with FHA that there had to be a net tangible benefit to refi of modify a mortgage. I told them that I would take this as a last option because I didn't want to lose my home. I also applied for the HAF ERMA program that would bring me current with the same terms. 

I currently have an appeal in with the Loss Mitigation Dept to reverse the modification. There were time stamped recorded phone calls with the Loss Mitigation representatives that told me that they were going to escalate my request to cancel of the modification and was instructed to email them to stop the modification, which I did. I'm going to attach the letter that I sent to my loan servicer today which has the dates of my calls to them and what I was advised to do. These cancelation requests were made more than 3 weeks ago. I was informed at that time that it was not to late and that they would cancel the modification which shouldn't have gone through in the first place being that it was incomplete.
Product: Debt collection

This is a follow-up for a previous CFPB complaint ( XXXX ) against TransUnion submitted on XX/XX/2023. My complaint was about an item ( XXXX XXXX ) that was illegally inserted in my credit file. Transunion responded that they were falsely working on my issue and CFPB closed my complaint. Shortly afterwards, I received a letter from Transunion dated XX/XX/2023, asking me to provide them with information because they are unable to locate a credit report for me. Which is also not true, because I sent a validation letter to them dated XX/XX/2023. Transunion responded on XX/XX/2023 that the alleged debt was " verified as accurate ''. Please see letter attached. Therefore, their claim of not being able to locate my credit file is un-validated. I have never had a contract, spoken with anyone from XXXX XXXX nor received any kind of written communication from them prior to them inserting the alleged debt on my credit report. Collectors are required by Fair Debt Collection Practices Act ( FDCPA ) to send you a written debt validation notice with information about the debt they're trying to collect. It must be sent within XXXX days of the first contact. The debt validation letter includes : The amount owed. A statement that the debt is assumed valid by the collector unless you dispute it within 30 days of the first contact. A statement that if you write to dispute the debt or request more information within 30 days, the debt collector will verify the debt by mail. A statement that if you request information about the original creditor within 30 days, the collector must provide it.
Product: Debt collection

I am expressing now for the third time an extreme need to have these numerous accounts that I have no knowledge of to be removed immediately under section 605B because it is hindering from acquiring my home for me n my XXXX son. I am a homebound XXXX n retired woman who has not been shopping anywhere since my bilateral total hip replacements in XXXX XXXX and XX/XX/XXXX resulting in my XXXX retirement in XXXX of XXXX I was home and had no further need to shop at any of these places and someone used my personal information knowing I was home in bed and would not become aware until it is too late and now no lender will approve me and my autistic child for a home. please rectify this matter I implore you to please help my small family acquire this much needed home.
Product: Credit reporting, credit repair services, or other personal consumer reports

I expect the credit agencies to do there job and abide by my written request in the letter enclosed they need to give me the information requested or delete the file by law
Product: Mortgage

I was approved by this company for a HAMP & mortgage assumption. I am XXXX years of age. This is what happened. I was faithfully making my payments on time and suddenly, my monthly payments started coming back to me. I was sent a letter and was told that my modification agreement was not properly notarized. I set out to get the proper notarization completed with the assistance of my housing counselor. All while this was going on, the continued to send back a total of three monthly payments, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX and I did not send XX/XX/XXXX because I knew it would be sent back. All while this had happened I was going through health issues, I have XXXX XXXX XXXX XXXX XXXX and at the time I was XXXX XXXX XXXX. I am back on me fee but with the assistance of a XXXX. I went through mediation, and to make a long story short, the mediation was entered into a final which means, the lender took away my modification agreement and mortgage assumption. They said they wanted a lump sum payment, I had a certain amount to send them but I did not have the reinstatement amount they said I owed. I just want to say I feel this was not all of my fault because, when they said the medication agreement was wrong, they started sending back my payments and if only they had just kept the payments and placed them in reserve until I was able to get the correction done on my agreement. All would be fine and I would not be in this situation. I am XXXX years old, I have no where else to go, I have no family, I do n't have anything but my home. I am holding {$4000.00}. My counselor assisted me for a long time in finally getting the assumption approved and the loan modified and just when I thought I am going to be ok, this happened. This lender will tell you they made attempts to notify me and that may had been what happened but I was not in good health and still trying to regain my strenghth, I was in the hospital almost a month, it was a horrible time. All of the money they sent back they wanted back in a lump sum. And now my home is up for foreclosure, judgement has been entered and I do not know what else to do. I am scared.
Product: Checking or savings account

I was scammed and sent a total of {$4000.00} through XXXX ( {$1500.00} ) & XXXX ( {$2500.00} ) to a scammer who lead me to believe he was the owner of the house I wanted to rent. This happened in late XXXX of 2022. 

I called my bank to see if they could get the funds back since it was a scam and they said no. XXXX & XXXX were also no help in getting my money back. They investigated the scam and never got my money back or updated me on their findings. 

It would be great to get this money back. This person who scammed me created a receipt for my deposit as well as a lease for me to sign. It turned out that he did not own the house and had no right to lease it to anyone.
Product: Debt collection

Called from XXXX refused to give a correspondence mailing address threatened to take me to jail and prosecute me accused me of fraud also called my family members
Product: Credit reporting, credit repair services, or other personal consumer reports

Santander consumer was involved in a class action lawsuit there was a judgement passed down violated the uniform commercial code under 28 u.s.c {$1400.00} ( a ) as a result of the lawsuit any detorgation has to be removed from the credit report also for unfair treatment for violating consumers rights
Product: Credit reporting or other personal consumer reports

XXXX sure Ive been paying on time, yet there are some months where Ive been reported as late, which shouldnt happen. XXXX XXXX states that any billing errors must be corrected and the account updated to show it was paid as agreed.
Product: Credit reporting or other personal consumer reports

RE : XXXX  BLOCK REQUEST To whom it XXXX concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX. Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Incorrect CurrentAddress : 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 Listed below are the Accounts that are being challenged XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Collections that are being challenged ABSOLUTE RESOLUTIONS I - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX  IN PERSONS OR XXXX XXXX XXXX. IF THE CONSUMER HAS PROVIDED XXXX  DOCUMENTATION TO THE CONSUMER BILLING CODE : XXXX CFR PART XXXX [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX  XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and I have noticed some unauthorized inquires unverified and unauthorized items must be removed. I have listed the items I would like to dispute below.The items I am disputing do not relate to any transactions that I have made or authorized. Please remove this information at the earliest possible time. 
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 THIS IS DEFAMATION OF MY CHARACTER AND I WOULD LIKE ALL UNAUTHORIZED ADDRESSES AND INQUIRES REMOVED FROM CREDIT FILE. ACCORDING TO 14 U.S.C. 1681 g ( a ) ( 5 ) A CONSUMER REPORTING AGENCY SHALL NOT FURNISH TO ANY PERSON A RECORD OF INQUIRIES IN CONNECTION WITH A CREDIT OR INSURANCE TRANSACTION THAT IS NOT INITIATED BY A CONSUMER. Under section 604 of the Fair Credit Reporting Act ( FCRA ) explains that the permissible purposes listed in FCRA section 604 ( a ) ( 3 ) are consumer specific, and it affirms that a consumer reporting agency may not provide a consumer report to a user under FCRA section 604 ( a ) ( 3 ) unless it has reason to believe that all of the consumer report information it includes pertains to the consumer who is the subject of the users request. The Bureau notes that disclaimers will not cure a failure to have a reason to believe that a user has a permissible purpose for a consumer report provided pursuant to FCRA section 604 ( a ) ( 3 ). This advisory opinion also reminds consumer report users that FCRA section 604 ( f ) strictly prohibits a person who uses or obtains a consumer report from doing so without a permissible purpose.
Product: Credit reporting

This company maintains a database of consumer information, mainly for the purposes of hiring in the trucking industry. I have disputed the information countless times over the years but they will not correct it. I have been party to XXXX class action lawsuits because of their refusal to remove incorrect and fraudulent information report by the subscribers of their database services, trucking companies. Also the last time I made a complaint was when the last class-action was supposed to pay out. To be paid a person was supposed to have disputed information during a specific time period and mail in an affidavit to something called the XXXX. I mailed in the document and a few weeks later received a letter saying I would not be paid because I sent no documentation. This company is infinitely corrupt that is why they are operating under bankruptcy protection. 
Also they employ a tactic of dual reports which means the individuals get a report with one set of information and the potential employer gets a report with all of the incorrect and fraudulent information the companies have reported.
Product: Credit reporting or other personal consumer reports

In XXXX or XX/XX/2023 I sent Bank of America a NON-NEGOTIABLE NOTICE OF ADVERSE ACTION FOR DENIAL OF CREDIT due to their adverse actions against myself as a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in the 15 U.S.C. 1691c and is pursuant to civil liability under 15 U.S.C. 1691k.

I originally applied for a line of credit with Bank of America in XXXX or XX/XX/2023 but was illegally denied. Banks are extending lines of credit based on consumer 's own social security accounts which are linked to the US Treasury. Banks are not loaning their own assets or stocks as this is a violation of 12 USC 83. Banks are simply needed as the intermediate party to allow consumers to access their own credit connected to their social security accounts. 

When I wrote Bank of America via certified mail in XXXX or XX/XX/2023 to inform them of the violation, and to give them an opportunity to fix their error, they performed an unauthorized credit check with XXXX in XX/XX/2023. In XX/XX/2023 I had not given Bank of America permission to check my credit report and so this is an additional complaint. 

Most likely with this complaint, Bank of America will check my credit again without my permission, so I will just request the contact information for the department that accepts litigation notices and summonses to avoid wasting time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a battle with XXXX a few months ago and missed a payment beyond 30 days. This was since credit reported. I sent a written request explaining the hardship as a result of falling ill to XXXX  and landing in the hospital for a few weeks causing my payment to be missed. I have and have great payment history otherwise. The request was denied and negative credit reporting continues.