23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I would like to file a complaint with Caliber Home Loans for fraudulently submitting a refinance application on my behalf that I did not request or authorize. I attempted to resolve this with Caliber directly, however when I called to escalate my concerns to a manager they lied and told me that no loan application existed in my name. 

On XX/XX/2021 I contacted a local loan officer to request a refinance quote for my home. She told me that she would have to run my credit in order to provide that quote, which is absolutely fine and standard. Within 12 hours, I received an unsolicited phone call from my current lender, Caliber Home Loans. The representative 's name was XXXX XXXX, he told me that their company saw that my credit was pulled and he was reaching out to see if I needed any assistance in refinancing my home. I thought that was extremely invasive, but I said yes to the quote. I was thinking about refinancing and figured that getting more than one quote would be advantageous. I spoke to XXXX a few times on XX/XX/XXXX about the refinance, but I ultimately decided not to go forward with it. I told XXXX that I was no longer interested. However, he continued to call me multiple times a day over the next 2 weeks. I never answered those calls, and never spoke to XXXX again. The calls have continued to occur daily. 

On XX/XX/2021 I received a text message at XXXX XXXX that stated " The loan application for *my address* has been received by Caliber Home Loans. Contact XXXX if you have any questions. '' Since I did not submit a loan, I assumed the message was spam and ignored it. My husband and co-signer received the same text message, despite him never speaking to any one regarding a refinance. An hour later at XXXX XXXX I received an email from Caliber Home Loans with even more information. This email was again thanking me for submitting a loan, and provided a loan number along with my full address and both co-signer 's names. The representative 's name on the email was XXXX XXXX, someone I had never spoken to before. I immediately called Caliber Home Loans and asked to speak to a manager at XXXX. 

The manager only identified himself as " Mr. XXXX '', no first name. When I explained my concern and told him about the communications that I received, he told me that there was no loan/refinance in my name being processed. He explained it away as a " system glitch '', and reasoned that XXXX XXXX must have pulled up my file to run another quote to get me the most " up to date '' offer. At this point, I had not answered calls from their company in over a month since I told the previous representative I was not interested in buying their product. I told him there would be no reason for him to give me another offer, and that I want him to completely cancel any open refinance file for me as I never authorized any of this. Mr. XXXX assured me that any open file would be cancelled, and that he would send me a letter confirming that in writing within 1-2 weeks. He also said the phone calls would stop going forward.
Product: Debt collection

Disputed once before. Reporting agency stated I would receive written documentation by mail. Never received written documentation in writing
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to XXXX Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), they are required to block any accounts or information not later than XXXX business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX Balance XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX Balance XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Inquiry : 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

I went to check my credit report and noticed there were some inquiries that were listed that are not mine.
Product: Credit reporting or other personal consumer reports

We pay bi-monthly to Newrez our new mortgage company and for some reason, our funds did not go through so we had to pay by phone for our monthly payment in XX/XX/year>. 

Newrez reported to the credit bureaus that we missed all of XXXX 's payments even though our bi-monthly payment was paid to them. 

Newrez does not record supervisors ' names and also does not keep accurate records of the conversations you have when you call in. 

The information they sent to the credit bureaus is inaccurate and they are not willing to assist in removing the negative information. I am a XXXX retired veteran who has never missed a mortgage payment in their life and am now faced with negative reporting that has ultimately impacted my credit score that I have kept in the high XXXX. 

Caution - when choosing a mortgage company ensure you use a reputable provider and not newrez who have terrible customer services and outsource telephone calls.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XXXX XX/XX/2023, I received multiple alerts from my credit card monitoring services an inquiry was placed on my XXXX and Transunion credit profiles. The inquiry was from XXXX. I called XXXX on XXXX and advised I did not submit an application. I was told to call back on XXXX XXXXXXXX at XXXXXXXX XXXX and someone from XXXX XXXX assist me. 

I called XXXX on XXXX at XXXX XXXX, and they advised they would cancel the application, and send information to the credit report companies the inquiry and application was fraudulent. 

I called XXXX and they quickly resolved the issue on evening of XX/XX/2023. I attempted to call Transunion 38 times from XXXX to XXXX, and their overseas agents could not understand XXXX or the phone system would just hang up on me. I entered my information into the system all 38 times, which is very time consuming. 

I filed a XXXX complaint against Transunion, and they responded inquires are not removable and if I wanted to dispute it to call them. There is no way to dispute credit inquires on Transunion 's website. 

Transunion can not keep FRAUDULENT inquires on a credit report. I froze all my credit reports and filed a identity theft inquiry with FTC. 

Transunion is putting undo stress and making this situation worse, and they give some illegal response that the inquiry is going to stay.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency 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 the 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 reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

Wise without any reasons have closed my account. They did not want to give a specific reason why they did it to me. I am starting my small business and clients are starting to learn my financial institution with them. Unfortunately, they closed it without any reasons or advice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to review my credit, and make sure all the items on there are correct, but there are accounts that have been on my credit for a long time that absolutely should not be there. I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below. 

I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

I originally had a XXXX XXXX charge account. This account was included with a debt management program ( XXXX XXXX XXXX XXXX ) and was supposed to be paid in full. The debt management account closed in XXXX of XXXX. According to XXXX XXXX XXXX, they paid on this account from XX/XX/XXXX - XX/XX/XXXX and this account was then dropped from the debt management program. Research was being completed in XXXX regarding this account as I did not receive a satisfaction of XXXXt on this account. This account has now been sold to XXXX XXXX XXXX XXXX XXXX and I am to appear in XXXX XXXX XXXX. I was under the assumption that this account was paid as I had never received any further communication. I received an illegible XXXX XXXX XXXXt, no payment history or record of the charges in question. I am requesting a full history of the debt owed, a full payment history and any other correspondence related to this debt. I did not receive a right to cure from XXXX XXXX. I believe this is unfair and deceptive debt collection practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. XXXX  Account XXXX  XXXX # XXXX, Account Portfolio XXXX # XXXX, XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXXXXXXXXXXXXXXXXXX XXXX XXXX  ACCOUNT # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # 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 AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Product: Debt collection

1,, I received a letter from Citibank, N.A stating that i was enrolled in a credit protection program offered by this bank for which i was charged a monthly fee. And if i believe that i was enrolled without my consent or knowledge of the program costs or benefits to go to the website Citi.comRefundInquiry and submit a claim for a potential refund before XXXX XXXX, 2017 with the reference number XXXX and a tracking number XXXX which i found no way on the web to contact or communicate with customer service. I called CFPB and was advised to file a complaint.
Product: Credit card

I have been an American Express customer for more than 30 years. During that time I accumulated nearly XXXX Membership Rewards points. I have been working outside the United States for the past year and did not have an opportunity to use my American Express platinum card. When I recently checked my American Express account online, I discovered that my account had been cancelled " due to inactivity '' and ALL my Membership Rewards points had been rescinded. I called and wrote to American Express on several different occasions in the hopes of reinstating my account and recovering my Membership Rewards points, but all my efforts have been unsuccessful.
Product: Credit reporting or other personal consumer reports

Subject : Request to Block and Delete Accounts Due to Identity Theft Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) To Whom It May Concern : I am submitting this follow-up to inform you that I have escalated my identity theft claim by filing a second report with the Federal Trade Commission ( FTC ) due to your failure to comply with my initial request to block and delete the fraudulent accounts identified on my credit report. The new FTC report number is XXXX, filed on XX/XX/XXXXXXXX  This action further supports my claim and highlights the urgency of addressing this matter in compliance with 15 U.S.C. 1681c-2 and FCRA 605 ( b ). I request immediate action to block the fraudulent accounts and provide me with written confirmation of the resolution as required by law.

I am submitting this FTC Identity Theft Affidavit to report fraudulent activity that has affected my FICO credit report. This activity includes unauthorized accounts and fraudulent collections resulting from identity theft and fraud. I demand that these fraudulent items be removed from all of my credit reports and that any collection activity related to these items cease immediately, pursuant to my rights under FCRA 605 ( b ), 15 U.S.C. 1681c-2, and applicable provisions of the FDCPA. FTC Report Number : XXXX, Wiht date XX/XX/XXXXXXXX  I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER:XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 and FCRA 605 ( b ) when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within FOUR business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX  Account # XXXX Opened : XX/XX/XXXX Amount : {$0.00} XXXX XXXX XXXX Account # XXXX Opened : XX/XX/XXXX Amount : {$6200.00} Please find enclosed the following documents to support my claim :. 
I request that you confirm receipt of this letter and provide me with a written statement once the accounts and information have been blocked and deleted, as required by law. Please ensure that I receive an updated copy of my credit report reflecting these changes. 

Thank you for your prompt attention to this matter. I trust that you will act quickly to resolve this issue in accordance with the Fair Credit Reporting Act ( FCRA ). 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I would like to make an official complaint concerning Wells Fargo Retail Services Account XXXX XXXX XXXX website and televised commercial promoting the No Interest if Paid in Full within 12 Months. I believe that the information depicted therein constitutes false advertisement and should be changed to reflect the true nature of the product. 

Both the company site and the TV ad explicitly state there is No Interest if Paid in Full within 12 Months. I bought furniture on or about XX/XX/2019. However, the first time I received a bill, 1 ) I was charged a late fees, even though I made a first payment before it was due on XX/XX/2019 ; 2 ) Payments could only be made through a Non-Wells checking account, and the online website/app you can not pay by debit/credit, money order, only checking account ; and 3 ) You a required to make monthly minimum payments or I will be charged and late fee and be reported to credit bureau! This has been consistently true with every subsequent bill as well. 

This is not a No Interest if Paid in Full within 12 Months Promotion, it is actually a High Interest/Hidden Fee Charging Retail Credit Card in disguise, that 1 ) restricts payments through mandatory non-Wells Fargo checking account only ; 2 ) charges monthly late fees if minimum monthly payments aren't made ; 3 ) charges you late fees if additional payments are made on the account in the same month instead of crediting the payments to the next payment period ; 4 ) is not a No Interest if Paid in Full because you are charged late fees for non monthly payments that are not clearly advertised. ( See attached Receipt, Advertising and Billing info. ) I would request that you remove the false information from their advertisements and the late fees and charges be removed from my account, be allowed to pay by credit/debit, money order if I choose and to have a true No Interest if Paid in Full within 12 Months account As Advertised! 

Prior to and on XX/XX/2019, I spoke with Wells Fargo regarding their deceptive advertising, restricting payments, hidden fees, etc. I was given a Complaint number by their Executive Officer representative XXXX, Ref # XXXX and told that I would get a response in 10 business days. 

Thank you. 

Sincerely, XXXX XXXX
Product: Debt collection

This company calls me every day even on Sundays. I try to block the number, but hey always call from a different number. Im really aggravated and I just want the calls to stop.
Product: Debt collection

The debt collector did not want to agree with the amount I could pay to help satisfy the debt so I told him that I could not do it and he refused so I hung up. The collector has contacted my ex wife of whom I have been divorced from for 10 years and he also have been contacting my job making threats. He has released all of my info to whoever answers the phone and this is becoming a problem.
Product: Checking or savings account

On XX/XX/2022 I went to log into my Bank of America online banking and wasnt allowed. I reached out the financial institution and no information was provided, except the bank is closing your account for undisclosed reasons. I expressed that I had money in my account and a child to feed as well as bills to pay and transportation to get to and from work. They said theres is nothing they can do. I just have to wait.
Product: Bank account or service

I moved from XXXX to XXXX. Attempting to get my car registered in XXXX. Chase Bank holds the title and they received a request from XXXX DMV on XX/XX/2016. Chase has told me they were scheduled to have the title sent on or about XX/XX/XXXX. They still have not sent the title and I have been driving without a registered car due to the time it has taken for the title to be sent to XXXX DMV. For the past week and a half I have called every day to try and get some resolution to the issue, which has been fruitless. I have been told that it has been escalated but it has not seemed to resulted in any movement. I have been told that now the estimated time frame of Chase send my title would be on or about XX/XX/XXXX.
Product: Credit card

Recently i applied for american express business credit card for XXXX business i applied my business has been active for three years they ran my credit and ultimately denied me the right to my own unlimited card protected by the truth and lending act and the consumer protection laws they have used false and misleading statements they did not give a reason as why i was denied they are stealing my securities and selling on the stock market to stay in business but denying me my credit 18 usc 894 and 15 usc 1602 i was denied three separate times i hereby cancel the applications because of fraud and identity theft and demand my securities to be returned immediately and they have to answer why am i a legitimate business denied access to his own credit
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Shows multiple incorrect addresses and a Social Security Number ending in ( XXXX ) that IS NOT MINE and should not be on My Report. 
Also : My Report [ s ] should only show that I am XXXX XXXX ad that is my current status. 
Ive tried to contact them By phone & mail to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act ( FCRA ) ; 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 an account without my written instructions.
Product: Debt collection

since XX/XX/year> had hardship passing of father not able to continue monthly payments asked for assistance from company non offered no chance to pay actually balance hundreds of dollars were tacked onto loan over XXXX XXXX dollars ask then received harassing calls daily nonstop all kinds of numbers overwhelming daily could not even have my phone on due to excessive calls of debt then a law firm sends a subpoena notice for an outrage amount owed mailed in letter to ask for proof of itemized receipts of balance due then received in mail form of only interest accumulated thought years just want to work out what's actually due
Product: Bank account or service

The bank began charging us penalties for no reason ( {$36.00} ) we complained and they admitted their computer was in error, they gave us several different excuses but even though they always have confirmed they have our funds and all penalties are bank errors they refuse us any access to our money until they solve Their problems. After serveral weeks of this and checking on line we discovered this is a pattern with this bank. We feel this will potentually end up another bank scandel. We hope you can help before thousands of more people are harmed.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an XXXX XXXX  assisting me due to XXXX XXXX  debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  and would like for all listed accounts to be blocked and deleted company information from TransUnion, XXXX and XXXX. 

Please delete the following accounts : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX Balance : {$6600.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) Account Number : XXXX Balance : {$160.00} XXXX Account Number : XXXX Balance : {$0.00} XXXX  Account Number : XXXX Balance : {$59.00} CHILD SUPPORT XXXX  Account Number : XXXX Balance : {$24000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The is a balance of XXXX on my credit report and trans union did not remove it after putting in a dispute the amount is being reported from an apartment complex they should not be charging me any money