23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We refinanced with Caliber Home Loans in XX/XX/XXXX and XXXX XXXX XXXX sent a check to Caliber Home Loans to credit to our escrow account. The check was issued from XXXX XXXX on XXXX  ( Check # XXXX ), in the amount of {$7500.00}, which cleared on XX/XX/XXXX, which I learned from reaching out to XXXX XXXX. Even though the check showed as being deposited, Caliber Home Loans never gave us credit for the {$7500.00}. They did pay our property taxes in XX/XX/XXXX, which left our escrow account with a negative balance. 

In XX/XX/XXXX, Caliber Home Loans sent us an escrow statement showing a shortage amount of {$7700.00} and that they were going to increase our monthly mortgage amount significantly. We believe that this increase in our mortgage payment was due to the negligence on the part of Caliber Home Loans to not credit our account with the amount due to our escrow account at closing/refinance. 

I have called Caliber Home Loans many times to discuss this issue and have had no success. My husband and I called on XX/XX/XXXX to first ask about this and did not receive any helpful answers. Then XX/XX/XXXX, I called and spoke to XXXX who said she was sending our issue to the escalation team and we would receive a response in 7-10 business days, which we never did receive. Then on XX/XX/XXXX I called and spoke to XXXX. XXXX said he was the manager of escalations and advised me to email our issue details to XXXX and to put in the subject line the loan # and attention XXXX. I did as he said, but never heard back from XXXX or Caliber so I called again on XX/XX/XXXX and left a message for XXXX to call me back. He never did. On XX/XX/XXXX I emailed the same email address to follow up and never received a response back. On XX/XX/XXXX I called again and spoke to XXXX. He said he knew XXXX and was messaging XXXX and emailing XXXX to call me back with the status. I never received a call or email back. Then, I emailed back to the same email address on XXXX with a follow up and again, never received any response. 

We have been paying our mortgage on time every month, even with the increase amount.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name XXXX XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX - Date Opened XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

The Information listen was never authorized by me to be submitted for please remove the following inquires and accounts from my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove These following inquires Immediately. I also request that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Be removed as this is not my account and was open fraudulently. XXXX XXXX XXXX be updated as I have never been late on my report or had a repo. I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that there is no law that says you need to provide a Power of Attorney in order to delay processing letters from a consumer. If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action.
Product: Money transfer, virtual currency, or money service

On XX/XX/19, I, the sender, sent my mother, the recipient {$55.00} via CashApp. 
On XX/XX/19, I, the sender, sent my mother, the recipient {$150.00} via CashApp. 
Yes, I authorized both charges. 

The issue is as follows. My mother was never able to cash out the funds & have them deposit to her account because her CashApp account is linked her her old phone number which is disconnected. Unfortunately, I did not know this prior to sending the funds. My mother reached out to CashApp & did as they suggested, she attempted to link her old account to a her account she has to create. That did not work and now CashApp has told her she can not access her old account at all therefore can not access the money.

I have reached out to CashApp requesting the payments I made be cancelled being they are sitting in account that is now closed and the money can not be accessed.. They have pretended to assist but told me there is nothing they can do about refunding me the money although it was never cashed out.

CashApp does not have a Customer Service number you can call and get a live representative therefore all correspondences have been via email. I am convinced now more than ever that this is a total scam and they have stolen my money, a total of {$200.00}.

CashApp Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Vehicle loan or lease

I leased a XXXX XXXX XXXX XXXX. At the end of the lease I decided to purchase the vehicle. I called Chrysler Capitol to find out how they wanted it handled. I was instructed to send a check. I asked if they needed a cashiers check, and was told no that was not necessary. They sent me a letter with the same instructions. 

I mailed a check ( thru UPS ) that was accepted XX/XX/XXXX at XXXX XXXX. 
My check was cashed on the same day XX/XX/XXXX. 

Chrysler Capitol is now telling me that they take 21 days to process. Then they mail it back. I asked if I could get it any faster, they said if I had a XXXX account number they could use that and it wood speed things up. I said I had a XXXX number, to which they replied they only use XXXX. Even if I had a number, it would still take 21 days before they could send it. 

I was also told that it took that long to get Chrysler Capitol off of the title. I did let them know that I live in California, and it is all electronic now. Chrysler Credit was aware of that, however they seem to have needed some kind of paper trail. 
So as of now, I sent a check for {$27000.00}, and they keep my money for a month before I can legally get my title. I have read my lease agreement, and all of the correspondence with Chrysler Capitol and this is stated nowhere.
Product: Debt collection

I received a letter from the collection agency thats how I found out I owed this money but Im afraid I was victim of identity theft because I have not purchase anything at Macys with my credit card in years I dont even have the credit card with me I paid what I owed at the moment and then never used it again. I called macys and they told me I didnt have a balance with them so I called the collection agency and told them that and they kept sending me letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX  has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and XXXX  That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting or other personal consumer reports

Professional debt mediation is reporting my debt without consent There was fraud done in my name XXXX XXXX is Falsely reporting information I have not had any car from them since 2017 false information
Product: Checking or savings account

My checking account was illegally accessed on XX/XX/2022 and a wire transfer of {$9100.00} plus a wire transfer fee of {$20.00} was taken without my permission. I spoke with USAA that day and was assured that the money would be returned to my account mostly likely by the end of the day of on the XXXX at the latest. It was not done, I called USAA on XX/XX/XXXX, was again assured that the money would be returned to my account by the end of THAT day. On XX/XX/XXXX I called and was informed that they had called XXXX  XXXX XXXX ( the receiving bank of this transfer ) and requested the money back and was told no, so I will not be getting my money back. I contacted my local law enforcement and filed a report ( XXXX XXXX XXXX XXXX in Colorado ), I spoke with several friends of mine who work in banking in various positions and got advice on how to proceed. 

USAA never froze my bank account to prevent this from occurring again, they never advised me to file a police report, they never advised me to freeze my credit reports with XXXX, XXXX and XXXX ' their only advise was to change my security questions and password. 

I called USAA again on XX/XX/XXXX and was told that my case was in the Fraud Department and they would put in a " front door request '' to have the fraud department call me with a status on when the money would be returned to my account. They said that I would have a callback with in 24 to 48 hours. I waited 72 hours and called again on XX/XX/XXXX to be told there is no update, but they could escalate my request for a callback and status. I advised them that I would be filing complaints with FICA, Consumer Financial Protection Bureau, XXXX XXXX XXXX and any other agency I think may be able to help.
Product: Debt collection

THE COMPANY, PORTFOLIO RECOVERY ASSOC, PURCHASED AN ALLEGED DEBT FROM ANOTHER COMPANY WHERAS I HAD NO INVOLVEMENT IN THAT TRANSACTION. PURSUANT 15 USC 3002 I AM A NATURAL PERSON MEANING MY ALL CAPS NAME IS NOT ME BUT ACTUALLY MY PROPERTY. MY NAME IS XXXX XXXX XXXX. I HAVE NEVER SIGNED A CONTRACT OR PROMISSORY NOTE WITH PORTFOLIO RECOVERY ASSOC. I KNOW THEM TO BE A DEBT COLLECTOR MEANING THEY MUST ABIDE BY THE FDCPA. I am requesting all DOCUMENTARY EVIDENCE including all ledgers, books of accounts, that pertains to account XXXX, XXXX, & XXXX on the PRIVATE AND PUBLIC SIDE. Failure to provide such documentary evidence is a clear violation of 12 cfr 1026.13 ( a ) ( 6 ) as I am invoking my right to obtain it in accordance with 15 usc 44. I also have never given written or oral consent for this account to be furnished on my consumer report, whereas that is a violation of 15 usc 1681 ( a ) ( 4 ) because I have a right to privacy. I demand this account be removed from a collection status and reported as paid in full or pay {$350000.00} for every minute this account has been illegal reported on my consumer reports.
Product: Credit reporting or other personal consumer reports

Reporting Agency- XXXX XXXX Transunion XXXX XXXX XXXX Accounts : XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The above unverified are fraudulently being reported on my credit reports that I have disputed several times with XXXX XXXX Transunion and XXXX and each time they keep telling me that these accounts are verified. However none of mentioned credit bureaus could provide me the method or proof of the verification process. None of the above collection agencies have not sent me a copy of the original assignment nor a copy of the original contract signed by me and this is a violation of 15usc1692g of the FDCPA. As a federally protected consumer I have a right to verify the debt and bureaus are fraudulently reporting these accounts based solely on heresy and not first hand documentation or knowledge that the debts and accounts are mine.
Product: Debt collection

I have tried to dispute the debt with DRS and XXXX. I have not received any information from either company that shows the debt is mine. I do not owe this debt and have never had an account with DRS or the company they are trying to collect for.
Product: Credit reporting or other personal consumer reports

To whom it may concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Experian Credit Report. 
15 USC 1681e ( b ) Compliance and Procedures ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. Or a Certification from the creditor that certified the accuracy and completeness of the information/account. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me a copy of verifiable proof you must DELETE the account listed below. 
I demand that the following account be validated or DELETED immediately : 1. EASTERN ACCOUNT SYSTEM In addition, DELETE all non-account holding inquiries over 30 days old. 
Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I kindly request that you conduct a thorough investigation into these fraudulent accounts and promptly remove them from my credit report. These accounts do not belong to me, and their presence is negatively affecting my creditworthiness. Additionally, I would appreciate it if you could provide me with a copy of my updated credit report once the investigation is complete, reflecting the removal of the fraudulent accounts. Please find below the details of the fraudulent accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Please delete these accounts ASAP.
Product: Mortgage

we have been submitting all documentation as required by Carrington mortgage yet they only count what they want not what we have summitted and that is unfair our income has increase from {$4000.00} to {$7400.00} and and we send all the proof and yet not good enough they still ask for they same paperwork over and over and its recorded by there staff by our calls even there staff don't understand why they ask for same paperwork we don't understand they have made it so hard for us i have gone to the XXXX XXXX XXXX XXXX XXXX XXXXXXXX  they have caused me i have begged them to work with us all this time we have asked if we can make payment and they say no please help us by now they should give us the title to our home for all the grief we have been through i tried so hard we also applied with HAF but our mortgage wont work with us no matter what offer we make they say no please help
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX I submitted a complaint to the CFPB in regards to an account listed as XXXX  XXXX XXXX XXXX upon completion of this investigation XX/XX/XXXX it was determined that this account would be removed permanently due to Identity Theft. XX/XX/XXXX I submitted a dispute to TRANSUNION to remove the SAME account listed as XXXX XX/XX/XXXX the dispute had been completed and reflected as NOT CHANGED. This negligence accurately shows me that a complete comprehensive investigation had not been conducted on my behalf! 

The failure to further and fully investigate the matter is outrageous! A comprehensive investigation would reveal I did not apply for any credit would underscore your failure to conduct a thorough inquiry into the matter. 
A violation of 15 USC 1611 has occurred, indicating a breach under the Fair Debt Collection Practices Act ( FDCPA ) with criminal liability for willful and knowing violations.

Section 1692K of the FDCPA imposes civil liability for violations, emphasizing the importance of fair debt collection practices. Additionally, Section 1681 highlights the significance of accurate credit reporting in maintaining the efficiency of the banking system, while Section 812 prohibits the creation of false beliefs regarding debt collection involvement. For violations such as failure to validate a debt and continued reporting to credit bureaus, the Consumer Protection under the FDCPA affords potential fines as follows : *FDCPA Section 809 ( b ) and FTC opinion letter Case from XXXX XXXX Fine of {$1000.00}. 

*Defamation, financial injury- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX v. XXXX XXXX XXXX Fine of {$5000.00} or the extent of damages incurred by the wronged party as determined by the courts. 

* Defamation, willful injury - FCRA Section XXXX XXXX XXXX TRANSUNION CORPORATION ; XXXX XXXX XXXX XXXX for XXXX XXXX XXXX XXXX Case XXXX XXXX XXXX, XX/XX/XXXX Filed ( XXXX XXXX. XXXX ) : Fine of {$5000.00} or the extent of damages incurred by the wronged party as determined by the courts.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX and Equifax are reporting incorrect information on my credit report with out my consent i would like all three to remove all negative reportings
Product: Credit reporting or other personal consumer reports

for Inquiries I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I first was contact by this collection agency back in XXXX XXXX XXXX I spoke with a couple representatives and ultimately agreed to a payment arrangement of XXXX XXXX 

Both in XXXX XXXX XXXX, I had to request to reschedule the payment to a different date, and this was not a problem, both times. ( I've attached a photo of an email in one of these exchanges. 

In XXXX, I did have an issue when the payment processed, and it was returned as insufficient funds. I did call the company to reschedule, and it processed fine. 

Here in XXXX, my payment due date is the XXXX of each month. On XXXX  XXXXXX/XX/XXXX, I called the representative that I spoke to in XXXX, her name is XXXX and I called her direct line. It went to voicemail, I left a voicemail asking to reschedule the XX/XX/XXXX payment because I knew it wouldn't process. XXXX never returned my call. 

Of course the payment hit my account on Monday, and was returned for insufficient funds. 

Today, XX/XX/XXXX, XXXX called me about this return. When I brought up my question about my voicemail, she had no answer. She said because this payment was returned, I now owed {$50.00} instead of {$25.00}. She also said I could not reschedule payments, and that the monthly payments should be {$50.00} a month instead of {$25.00} a month. I asked for explanations of all of this, because this was not what I was told when I agreed to the arrangement. I asked to speak to a supervisor. 

The supervisor who came on was just rude, obnoxious from the beginning. And when I pressed him about my voicemail left on Friday, he said I needed to keep calling. I said shouldn't someone from your company return my voicemail. He said " that isn't how it works here ''. In my view, had I connected with XXXX on Friday, XX/XX/XXXX I would have rescheduled my payment and thus not have this situation that happened today.