23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Please review my attachments below and my correspondence with both HUD and FHA. Our MIP refund monies were not handled correctly nor given back to us how they should have, how we were promised, and how we were lied to about finding the monies and sending a check to us which did not happen. We closed on XXXX/XXXX/2015 and it took to all the way until mid XXXX before Caliber Home Loans would try and fix their mistake. We put our trust in them with handling our finance transaction and listened to their advise and our loan was not written correctly according to FHA guidelines. We would like to hear back from someone in regards to what is happening and what will happen about this situation please. We are filing a complaint against Caliber Home Loans with RESPA as well. There should be a penalty for what they have done and what we have had to go through with all of this. Caliber Home Loan kept our MIP monies that were due to credit or be refunded and after months of us looking into where our money was and contacting their corp. office, HUD, and FHA and filing complaints they finally just made a payment on our account towards the principle and told us that will have to do. What they did not only violated FHA guidelines but it was fraud. The first of this is what I submitted to XXXXXXXXXXXX which has opened a case for us against Caliber Home Loans. I have the attachments that are mentioned above it you would like us to share then. 




Caliber Home LoansBranch NMLS : XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX : XXXX XXXX, Area Manager Email : XXXXXXXXXXXX Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX worked with XXXX XXXX which is our neighbor and who was supposal lied to my her area manager and company on our refund or either she was lying to us herself in all the text and email messages.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently applied for a car loan and was denied because of a lower credit score. I've always paid my bills on time and was surprised and upset to hear this news. I contacted the police and FTC concerning this issue. When I had my credit pulled, I noticed several things that do not belong to me. US DEPT ED, USDOE/XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information are erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance : {$180.00} - Please investigate the way this account reports information. I do not recall being late on the dates this account presents. I always make my payments on time and I was never late. As per FCRA, reporting of account information must be accurate. I need this account investigated and updated immediately for lawful accuracy. 
XXXX XXXX XXXX Balance : {$8000.00} - There are multiple errors in the listing that are damaging to me including balance, payment status, and date of last payment. I do not believe I was late on the dates you are reporting. I always make my payment on time and I never missed a payment. Please update for lawful accuracy.
Product: Credit reporting, credit repair services, or other personal consumer reports

here are three issues One, I had a XXXX XXXX  Account number XXXX opened XXXX of XXXX they closed my account they bullied me by doing this and not looking into the matter. They put a late payment on my account XX/XX/XXXX XXXX This was an error because I have always been set up from auto pay ) when the rep called me about I asked what happened to my auto pay they could never explain why it did not take out a payment. I immediately made a payment with them over the phone. they were never able to see why the auto pay was stopped even though my bank showed no error on their end there was also funds in my account. They rep fraudulently entered me into some type of repay contract which stopped me from being able to use the card ) I didn't know that was cutting me off from my card. I was never late ever with my card. I used this card with pride. I continued to pay my balance down to XXXX they still would not let me use my card. Then on XX/XX/XXXX they closed my account. XXXX has ruined my reputation cause me to be denied for credit for a closed account and and false Late payment that was NOT from me doing anything wrong. this was a long running credit history with {$12000.00} line of credit that was taken from me without my authorization. They said they closed it due to a negative account from XXXX XXXX which leads me to my second issue. XXXX XXXX put an erroneous account, Account number XXXX on to my credit report which they had no permission from me to do so. I tried several times to get verifiable details to prove this account belongs to me and XXXX  have failed to provide anything with my signature or a sworn affidavit to prove they have validated this account to be truly mine. As you can see they have also ruined my reputation by putting this negative false account on my credit profile. I have tried several times to have this info removed by contacting XXXX, XXXX, and Transunion to remove this unverified information they are all using their power to ignore my concern this bullying technique is not fair! This is hurting me mentally and financially. I am being rejected for credit because of this. Which brings me to my 3 complaint. Lastly, these credit companies XXXX, XXXX, and Transunion are violating my rights by not providing the documentation they are suppose to have on file to prove accuracy of this XXXX XXXX account. I never gave anyone permission to add this to my credit report.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX  Account Name : XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

15 U. S. C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Experian and XXXX have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX  - XXXX - Please delete this item immediately. 

XXXXXXXX XXXX  XXXX - XXXX - Please delete this item immediately. 

XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXX, Experian, and XXXX have violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 or 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 ) ( 1 ) 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 data is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 : Attached documents prove that XXXX XXXX 's credit bureau reporting for this account during the month of XXXX is incorrectly stating that the account was 30 days past due. Documents show that multiple payments totaling {$3900.00} were made by myself, accepted and posted to the XXXX XXXX account during that month. The payments were applied to the card and it functioned normally. Payments have been made on time/early throughout every single billing statement since opening the card, and zero notifications of past due/late amounts were sent to me for the month of XXXX. Furthermore, to my recollection, the month of XXXX was originally reported correctly as current, and it seems the change may have occurred following a dispute focused on the following month. Credit monitoring services now show the account as " 30 days late '' " {$0.00} '' past due for XXXX. An earlier dispute details a more complex issue for the month of XXXX in which an XXXX XXXX supervisor, on a recorded line ( case XXXX ) identified a technical glitch -originating solely from XXXX XXXX- which caused numerous payments from previous months to be " returned '' ( attached statements from my corresponding checking account prove that they were not returned to any account of mine, and that it was not possible for myself or XXXX XXXX  to have requested returns ). This happened on XXXX XXXX, and payments were sent within one hour of notification each time. Attached documents prove that an error code generated by XXXX XXXX, indicating XXXX XXXX  or myself requested those returns, is WRONG and not possible. Though payments were initiated by myself and marked as accepted to the XXXX account, XXXX XXXX participated in no interaction with my bank account regarding the debiting, or returning of those payments. Attached documents will show that XXXX XXXX generated numerous technical issues, all of which were dealt with immediately by myself, and there was never a period longer than an hour in which the card issuer or consumer was aware of any issue or further action needed. Attached documents show that XXXX XXXX XXXX XXXX  violated regulations in credit reporting, as the account was never late, and there were no notifications of an account being past due for the month of XXXX. On XX/XX/XXXX on a recorded line, I was assured multiple times after experiencing/rectifying XXXX XXXX XXXX XXXX that the account had always been current and no action was needed from myself. At the time of filing this complaint, it appears the XXXX reporting of the account may have been corrected to " current '' but I have not received confirmation. Statements for the months of XXXX - XXXX are attached.
Product: Credit card

I made XXXX different charges on my Care Credit account. On XX/XX/2023 {$1100.00} which has a minimum payment due of {$39.00}. On XX/XX/2023 {$750.00} which is interest deferred. On XX/XX/2023 {$1400.00} which has a minimum payment of {$50.00}. On XX/XX/2023 {$1900.00} which has a minimum payment of {$67.00}. The total minimum payment is {$150.00}. On XX/XX/2023 a payment of {$39.00} was paid to the {$1100.00} charge. On XX/XX/2023 a payment of {$180.00} was paid as follows : {$39.00} to {$1100.00} charge, {$50.00} to {$1400.00} charge, {$67.00} to {$1900.00} charge, and {$30.00} to {$750.00} charge. On XX/XX/2023 a payment of {$300.00} was made as follows : {$39.00} to {$1100.00} charge, {$50.00} to {$1400.00} charge, {$67.00} to {$1900.00} charge, and {$140.00} to {$750.00} charge. On XX/XX/2023 a payment of {$300.00} was made as follows : {$39.00} to {$1100.00} charge, {$50.00} to {$1400.00} charge, {$67.00} to {$1900.00} charge, and {$140.00} to {$750.00} charge. On XX/XX/2023 a payment of {$300.00} was made as follows : {$39.00} to {$1100.00} charge, {$50.00} to {$1400.00} charge, {$67.00} to {$1900.00} charge, and {$140.00} to {$750.00} charge. Every month I have to call and ask my payment to be allocated correctly as stated above. Everything was fine until my XXXX payment was not allocated. I called in XXXX and spoke to a woman manager who said it was requested in their system but it was not done by accounting for some reason. She said she will tell them they missed it. I called again in XXXX and spoke to another woman manager who said it was still not done and she will ask them to fix it. Once my account updated the person who was supposed to fix the problem made it worse and now instead of my {$750.00} charge showing a balance of {$280.00} it shows a balance of {$6.00}. That means someone took the money that was paid to the other accounts and incorrectly applied the money to the {$750.00} charge instead of only applying {$140.00}. So now I am being charged interest on charges that I already made payments towards. I called XX/XX/2023 and spoke to a man manager who was very short and rude and would not help me, so now I am filing this complaint. My account should reflect the following : {$750.00} charge had payments of {$30.00}, {$140.00}, {$140.00}, {$140.00} leaving the balance of {$280.00}. {$1100.00} charge had payments of {$39.00}, {$39.00}, {$39.00}, {$39.00}, {$39.00} leaving balance around {$900.00}. {$1400.00} charge had payments of {$50.00}, {$50.00}, {$50.00}, {$50.00} leaving the balance around {$1200.00}. {$1900.00} charge had payments of {$67.00}, {$67.00}, {$67.00}, {$67.00} leaving the balance around {$1600.00}.
Product: Credit reporting

Still waiting on the alleged " bill '' to XXXX XXXX Crafters or whatever subsequent name it operated under when it suspiciously wrote an unsigned work order - 2 years after any work was completed on my car. 

I say again, there is no debt that has not been fabricated by you and/or your client in violation of multiple consumer protection laws. 

See below for the Fair Debt Collections Practices Act that you are in violation of : XXXX. Unfair practices [ XXXX XXXX XXXX ] A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. 


XXXX, There is no balance. There is no authorization for work, no signed order, nothing which evidences any overdue monetary obligation to your client from me in 2010 - authorization was never sought or given for the part repair in question. Hence, there is no figurative leg for you to move forward on. 

To continue to insist upon payment for unauthorized work and otherwise harass me is proximate to fraud. 

As to the subsequently approved work from my insurer : Attached is a fax from XXXX XXXX confirming that payment in full has now been sent to your client for all approved work performed on my car. I now consider this matter resolved. 

As I indicated in my previous e-mail, I did not authorize your client to perform any work on my car that was not covered by my insurer, XXXX XXXX. Moreover, your client failed to notify me prior to beginning work on my car that XXXX XXXX would not cover certain work performed by your client on my car. Had your client informed me that certain proposed work would not be covered by XXXX XXXX, I would have made an informed decision, maybe taken my car to another shop. Instead, your client said " I 'll take care of it '' and began work, which I am now informed ( three years later ) included work not covered by XXXX XXXX. 

You are hereby notified that any efforts by you or your client to collect for any unauthorized work performed on my car is unlawful and would subject you and your client to civil penalties, punitive damages and attorney 's fees and costs pursuant to the California Fair Debt Collection Practices Act, Unfair Business Practices and Unfair Competition Act, and the Fair Debt Collection Practices Act. XXXX. XXXX XXXX. section XXXX, et seq. ; XXXX. Bus. XXXX XXXX section XXXX, et seq ; XXXX XXXX. XXXX, et seq. You are further notified that having purposefully availed yourself to the jurisdiction of California, you would be subject to civil suit in California along with your client. 

Thanks,
Product: Money transfer, virtual currency, or money service

Was scamed on XXXX and called the bank and they can't do anything
Product: Debt collection

Discover continues to try reach to reach me through my employer 's number. The first time I sent an email notifying them that I am not allowed personal calls at work and that they can not contact me at work. They have continued to do so.
Product: Credit reporting or other personal consumer reports

Subject : Deletion of Unauthorized Credit Inquiry ARIVO ACCEPTANCE LLC I am writing to formally request the removal of an unauthorized credit inquiry made by your institution on XXXX. After reviewing my credit report, I noticed an inquiry listed under my name without my consent or knowledge. 

The inquiry was made on XXXX and was not associated with any credit application or agreement initiated by me. As a result, I did not receive any benefit or services from your institution corresponding to this inquiry.

I kindly request that you investigate this matter and remove the unauthorized inquiry from my credit report as soon as possible. I understand that these inquiries can impact my credit score, and given that I did not engage in any transaction or seek credit from your company, I urge you to rectify this error promptly. I also demand retraction of any applications or securities in your possession.

Please provide confirmation once the unauthorized inquiry has been deleted from my credit report. I appreciate your prompt attention to this matter and your assistance in resolving this issue.
Product: Credit card or prepaid card

I called Target on XX/XX/XXXX and was told if I made a payment of {$170.00} to bring my account current the 2 late fees totaling {$76.00} acceded on my account would be removed. 

I was on a payment plan to bring my account current and was told that I would no longer need be on the payment plan and the fees would be removed. I was also told my next payment would not be until XXXX as I would be back on a normal cycle since I brought my account current.. 

first fee was added to account on XX/XX/XXXX- {$38.00} second fee was added to account on XX/XX/XXXX- {$38.00} I asked the representative multiple times if the fees would be removed and he said yes. 

I received my target credit card statement on XX/XX/XXXX and I noticed the payment of {$170.00} was applied but the 2 fees where not removed.

I called Target on XX/XX/XXXX and had to call in multiple times because the representatives would hang up on me. I finally spoke with a supervisor and was told the original call recording from XX/XX/XXXX would be pulled to see what i was promised and I would receive a callback in 48 hrs. 

I did not receive a call back so I called target credit card company on XX/XX/XXXX and spoke with a different supervisor was told the representative on XX/XX/XXXX did tell me the 2 fees would be removed.

on XX/XX/XXXX I was told the fees would not be adjusted. I asked for a manager above the supervisor and was told no/ I was told it did not matter what the representative said on XX/XX/XXXX and the fees would not be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern, I contacted XXXX XXXX XXXX XXXX over 60 days ago when I noted a suspicious mark on my credit report. I tried to communicate with the collection company and asked for written verification of the debt. There are two major issues. One, the debt does not exist. Two, I have a recorded phone call the day I cancelled my account. The company who sent my account to collections continued to collect weeks after my account was closed. A search on both here and XXXX would show numerous complaints similar to mine. No written verification was ever sent to me. Under FCRA this debt is now listed illegally and unverified. My records also show this debt as invalid. Since I've received no remedy from Transunion, XXXX  or XXXX and no willing participation from the company collecting this debt, I will be filing in small claims to resolve this matter. I will be collecting under the governing laws you have broken. 

This letter is a last attempt to correct this matter before taking this matter further. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

I saw a collection i was unfamiliar with under STEEL RIVER SYSTEMS LLC. I contacted them to ask who the original creditor was, after i filed a dispute with XXXX XXXX through XXXX XXXX on XX/XX/2024. The account referenced was with XXXX XXXX, one that was closed due to fraud and i never received anything stating i ever owed a balance from the bank. I requested a formal validation of debt on XX/XX/2024 from collection agency Steel River Systems llc. I did not receive anything stating validation via email or paper mail within 5-10 days ( according to CFB regulation 1006.34 validation should be received within 5 days of initial contact or verbally during contact ) and still now that it has been almost 30 days. Im requesting this collection be removed from all 3 credit bureaus due to no validation of debt received proving i owe any balance. Besides call i made for validation, no emails or letters have been received from this collection agency and no record of my call transcript was ever emailed to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XXXX XXXX, 2022 to Experian. Here is my tracking number ... ... ..... 
However the credit bureaus said they completed the investigation and everything was 100 % accurate. 

According to the law 15 U.S. Code 1681a - Definitions ; rules of construction.

The term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with other with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who did they talk to? 
How did they complete the investigation?