23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I am filing a complaint in regards to Caliber Home loans and their management of my escrow account. It is absolutely inexcusable that I have lost my homeowners insurance policy because they failed to mail the check from escrow account in time to be cashed by my insurance agency. Then I am being asked to spend my own money to cover the period in which I am uninsured? What is the point of an escrow account! I have made EVERY mortgage payment on time and should not be dealing with the leg work of sloppy mortgage companies. When I called Caliber to attempt to resolve this issue myself they were incredibly unhelpful and did nothing to make me reassured that I was a valued costumer and that my home was important to them.
Product: Credit reporting or other personal consumer reports

Fraudulent account opened thru XXXX XXXX XXXXXXXX. I contacted them to report the fraud also reported to the ftc. It still has not been removed.
Product: Checking or savings account

I am writing about Citibank at night time calls are handled in the XXXX I have had this account one month and they have blocked my account because I filed a complaint about an employee in return he blocked my account on a fraud hold I don't know how this company could be handling people a. Right now I'm on hold with the fraud department where a supervisor is not available they are playing games with people 's money and it's a joke.
Product: Credit reporting or other personal consumer reports

This CEPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, TransUnion, XXXX, XXXX credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consist of an auto loan at XXXX XXXX opened on XXXX under the account number XXXX. These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the collections in question as well as a copy of the consumer FICO credit report maintained by you wnich shows the atorementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts and collections, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquines are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

As per 15usc 1611 XXXX XXXX and Equifax is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640. Furthermore, they are at risk for each fdcpa infringement as per usc XXXX. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. Also, apologize. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting a cancellation of these records. Cc : Consumer Financial Protection Bureau. Cc : Attorneys General Office. Cc : XXXX XXXX XXXX Cc : State Senate. Cc : Federal Deposit Insurance Corporation. Cc : Comptroller of the Currency. Cc : Federal Reserve System. Cc : XXXX and XXXX. Cc : Federal Trade Commission. Cc : State Regulatory Agency
Product: Credit reporting, credit repair services, or other personal consumer reports

Per Section 609 ( a ) ( 1 ) of the the Fair Credit Reporting Act ( FCRA ), you are required by federal law to verify any and all accounts posted on my credit report, and only report accurate information. I request all verifiable proof you have on file for the late payment listed on the following account. I was in graduate school and at this point of graduation when this account was showing in XXXX as past due. This is inaccurate I have never been late for my accounts. I had an hardship forbearance from those debts for XXXX. 

This delinquent account record is inaccurate. I request that all the following accounts associated be validated, or promptly removed. 

Account Number : XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I recently looked at my credit report and noticed several of our inquiries and addresses that have no permissible purpose. I also attached proof.
Product: Credit reporting or other personal consumer reports

I AM DEMANDING Cease and Desist Demand ( 15 USC 1692 ( a ) ( B ) ) This letter also serves as a formal cease and desist demand under the Fair Debt Collection Practices Act ( FDCPA ), Section 15 USC 1692 ( a ) ( B ). 
Under this law, I am requesting that you immediately cease and desist from : Reporting or sharing any information related to this account or debt under my personal information with any third parties, including credit reporting agencies. 
Engaging in any further collection activities that violate the provisions of 15 USC 1692 ( a ), which prohibits abusive, deceptive, or unfair debt collection practices. 
Failure to comply with this demand will constitute a violation of federal law and may result in legal action.
Product: Credit reporting

ACCOUNT RESOLUTION SERVICE # XXXXI have a a unverified account from. I had previously disputed this account. I have never done business with ACCOUNT RESOLUTION SERVICE. 
Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.169g, I dispute the validity of the debt ACCOUNT RESOLUTION SERVICE purport I owe. I request that ACCOUNT RESOLUTION SERVICE. 
Provide verification of the following : 1. ) The original Application or contract 2. ) Any and all statements allegedly related to this debt 3. ) Any and all signed receipts 4. ) Any and all canceled checks 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that ACCOUNT RESOLUTION SERVICE Cease and Desist all further communications and collection actives and provide the verification of the purported debt. Nothing in this section relieves a collection agency from complying with the " Fair Debt Collection Practices Act, '' 91 Stat. 874 ( 1977 ), 15 U.S.C. 1692, as amended, or deprives any debtor of the right to assert defenses as provided in section 1317.031
Product: Mortgage

I am in the process of getting a HELOC from HSBC and am getting ignored by the bank for the past 3 weeks after they had sent me a letter of conditional approval. The customer service provided is by far abysmal. 
XX/XX/XXXX - I received an email from XXXX ( mortgage processor ) on the conditional approval and a note that she will reach out within 5 business days for next steps. " I will contact you within 5 business days to address any questions you may have and review outstanding documentation. 
XXXX - 5 business days have passed and NO ONE from HSBC reached out. I sent a note to XXXX and CC'ed XXXX ( mortgage consultant ) as a follow up. And to my surprise XXXX is out of the office and XXXX XXXX ( mortgage processor ) would be the back up contact. 
XXXX - XXXX XXXX for help on the next steps. No response. XXXX only provided an email and no phone number. So was only able to email and cant even call. 
XXXX - Reach out to XXXX again for support. No response. Even called him multiple times. No one answers the phone with the answering machine saying to email. 
XX/XX/XXXX - Tried calling XXXX again to no response. Why bother having a phone number when no one answers? 
XX/XX/XXXX - Called customer service and they advised would reach out to the Manager to check on status. 
XX/XX/XXXX - NO RESPONSE FROM manager either and its been 6 days. Seems like a pattern here of just ignoring customers. Reached out again to customer service for update and was told someone was looking into it. 
XX/XX/XXXX - Called customer service again as this is just getting ridiculous. Finally got someone on the phone who seemed to actually care and will follow up with the Manager again.
Product: Money transfer, virtual currency, or money service

XX/XX/2018 there were two unauthorized wire transfers from our account. The first one was for XXXX and the second one was for XXXX.going to the same person in Arizona that XXXX have never heard of or done any transactions with previously. I reported TD bank and they said they will investigate and would contact XXXX XXXX XXXX ( thief 's bank ) to investigate. They took a week and then told me that because the transfer came from my computer that there is nothing they can do. I didn't authorize any transfer so even if my computer had malware or whatever they claim I didn't authorize it and want them to proceed with recovering the money. They said there is no recourse for this and that I am out the money with no appeal or recourse. I don't believe that my computer was where the transfer came from and even somehow they hacked my computer and transferred the money I am still stating that this was unauthorized and would expect them to take action. the thief who did this gets away scot-free and does it again because the bank did nothing. They seemed to shift the lilbility to my computer because then they would not be responsible for their allowing this transfer to happen. They never even contacted the thief bank account holder to see if why they had an explanation for them receiving the transfer.
Product: Debt collection

I lost my brother due to a murder and I got behind on my cc bills but since then I have paid off all my debt and Discover continues to try and keep me from moving on with my life. This has been more than ten years and they continue to have it listed as a derogatory mark against me on my account that it is affecting me from getting a better house and a better house which is costing me thousands in interest e every year due to this hardship that I have been trying to rectify the last 15 years of my life and it continues to linger on my credit report as a sore to remind me that even though I have made the payment it shouldve been removed after 10 plus years because this is obsessive and unreasonable
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Bureau continues to list unverified information.     Despite my  three written requests, over the course of 3 months the unverified items listed below still remain on my credit report in violation of Federal Law.  In the results of Experian 's re-investigations, they stated in writing that they verified that these items are being reported correctly? However, they still have not identified who in their company verified the accuracy of these accounts or how they verified them along with the documents they used to verify them and continue to list them as accurate which is a violation of my rights and damaging my credit worthiness.     In addition, there are several inquires listed on my credit report as a result of someone fraudulently trying to obtain credit in my name. I do not have any business with these companies, have not applied for credit or have given them permission to be there and have advised Experian of this as well as their fraud department and no action has yet to be taken.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX  Account # XXXX Judgement, Account # XXXX Judgement, Account # XXXX Judgement, Account # XXXX Judgement, Account # XXXX Judgement, Account # XXXX Judgement, Account # XXXX Judgement, Account # XXXX collection, Account # XXXXXXXX XXXX XXXX bankruptcy, Account # XXXX XXXX XXXXXXXX bankruptcy, 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted claim earlier and noticed on my report that the original creditor that reported such debt of highest balance XXXX is already on my credit report and been closed since XXXX. there are many violations being made here by world finance first of all i do not have a loan with this company world finance I have disputed this in the past back in XX/XX/XXXX when this affected my credit score with XXXX  taken my score down nearly 70 points and now 8 months later on my XXXX it has taken my score down 83 points they have Never ever contacted me once about this and futhermore this should not appear on my credit twice whith different open and close dates and appear on my credit as i opened a New Account Really????? how a new account that states 5 years do the math people and says closed XX/XX/XXXX when it clearly says closed XX/XX/XXXX one report says XXXX another XXXX and another one XXXX all different two with XXXX XXXX the original creditor and then now world  finance  who is putting stuff illegally on my report they have done this twice now have not contacted me i will attatch two seperate sheets one had a contact one has no contact info from the last time they destroyed my credit and it took awhile to bring it back from XXXX and now I have a phone number but they have done this again this needs to come off my account
Product: Checking or savings account

I initially contacted Chime on XX/XX/XXXX as I had received 2 emails from them about an account that was setup in my name. I had never heard of this company, nor did I try to setup an account with them. 

They closed the account per my request but were not able to provide additional information unless I gave them my SS #. At that time I declined to share that information. I was told that I needed to file a ID theft report with the FTC and provide my SS # in order to receive additional information about my file. I went ahead and did file an ID theft report at that time. 

On XX/XX/XXXX I called them again and did give them my SS # and gave them information about my ID theft report. I asked to escalate the case ( I have a reference number from chime ) and then I received a series of emails where they wanted my SS # again after I had given it to them over the phone. I received a series of automated emails asking for my SS and the ID theft report after I had already provided it and felt like I was getting the run around. At this time I chose not to respond to their emails and through a Fraud resolution specialist with XXXX XXXX, she suggested I file a complaint with you.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB. 
These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification.

The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly?

Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information.

You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below.

As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action.

I demand the following accounts be verified or removed immediately. 
1. 15 US-CODE 1692E FALSE OR MISLEADING XXXX XXXX XXXX Account Number : XXXX Delete this account. 

2. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Account XXXX : XXXX Delete this account. 

3. 15 US-CODE 1692E FALSE OR MISLEADING XXXXXXXX XXXX XXXXXXXX Account Number XXXX XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by the silence XXXX. v XXXX ( mo ) XXXX XXXX presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( Please remove this account before I seek litigation for defamation of character )XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

the XXXX account does not have any delinquencies, and must not report on my credit report, i have already spoke to XXXX and XXXX, they removed this inaccuracy with the letter that creditor provided but experian has not removed this yet, please have this remove and help me to remove from experian. 
thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, Equifax, and XXXX is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4700.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian I've tried to set up a online account but the online account will go nowhere to unfreeze my credit report I tried to call can not seem to find anyone to help me in regards to the website even though they gave me the number I've tried to call eight other numbers and all falls under two parts one to buy their services to for freezing or unfreezing your account but that will take a long time to establish because of mailing all your personal information through the mail copy of your Social Security card bank statements copy of your face personal information PIN numbers it is unbelievable amount of information that if it gets misdelivered someone has my life now I think this is absolutely ridiculous the other two credit bureaus don't hassle you this much to unfreeze your account.
Product: Debt collection

The only thing that the company wants is my banking information and social security number. 

They refuse to provide any information regarding the debt without my confirming my social security and address. 

This is highly irregular as there are no outstanding debts on my credit report, and they will not provide any written documentation regarding the alleged debt.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the accounts listed below which still appears on my credit report even after your investigation. 
I would like those items immediately re-investigated. The inaccuracies are highly injurious to my credit score. 
The accounts are : XXXX  XXXX XXXX  XXXX XXXX and the second is XXXX XXXX XXXX XXXX XXXX In accordance with the fair credit reporting act public law 91-506, Title VI. Section 611, please provide the name and business addresses of each individual with whom you verified the account, so that i may follow up. Please send me an updated copy of my report after your investigation