23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

THIS IS NOT A DUPLICATE COMPLAINT TO XXXX. I c.c., the CFPB, in efforts Caliber Home Loan, be held accountable, and to document on record, illegal the and unjust activities that exist to date. There are payment errors, escrow errors, fee errors, servicing errors, payoff errors, and foreclosure errors, that need to be addressed. 

I also requested, a complete servicing file, a copy XX/XX/XXXX and XX/XX/2015 mortgage statements. A itemized reinstatement, and for all errors to be fixed on account. I am also attached some additional, inquires, and notices that I have sent to Caliber, that have yet to be addressed or acknowledged, I will also be fowarding them to additional, state and federal agencies. 

Caliber continuously refuses, to properly address loan, lie, blatantly ignore, and disregard, multiple state and federal laws. There are many issues that continue to date, in which additional complaints will follow.
Product: Credit reporting or other personal consumer reports

ASKED COLLECTION AGENCY TO PROVIDE MY WET SIGNATURE TO PROVE DEBT WAS MINE, NEVER PROVIDED WET SIGNATURE, SENT XXXX LETTER ON XX/XX/year>, ALSO COMPLAINT ON THIS WEBSITE CFPB, OVER XXXX DAYS AGO. 
XXXX XXXX XXXX, XXXX CREDIT CARD {$990.00}, XXXX XXXX, XXXX XXXX CREDIT CARD {$840.00}, {$2400.00}, {$2400.00} XXXX XXXX, XXXX XXXX {$240.00} XXXX XXXX XXXX, XXXX  XXXX {$1200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I wish to make a complaint against Equifax XXXX as they are charging me for the score and credit report and never I can go the website due to their internal technical issues and I wish to have my 3-month money deduction from my credit card refunded as I can not use their service, all the time their website has an error. 

I am tired of keep calling them and they say sorry, It is not right to charge the people but they are not able to provide a reliable website. 

Thanks, 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 was erroneous. The 3 credit bureaus must validate these accounts in line with FCRA 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 investigate and correct from erroneous reporting in my file are listed on my credit report : DEPTEDXXXX  XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX  XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXBalance Owed : {$0.00} XXXX  XXXX Balance Owed : {$200.00}
Product: Debt collection

There was a collection on my XXXX  and all XXXX other consumer reports. File # XXXX on XXXX. That collection was removed on XX/XX/2024 by XXXX. On XX/XX/2024 it was put back on my consumer report on the same day Im in litigation with XXXXXXXX XXXX XXXX that I filed with you guys FILE # XXXX. As a consumer I have rights. This is not a coincidence since the banks are linked to these credit bureaus. They practice illegal tactics. I disputed this collection with XXXX  did the correct process. Did my legal litigation with them and preformed my dutys as a consumer. Through that process it was removed. 4 days later with no legal steps at the same time Im in a legal litigation with XXXX XXXX XXXX for this inaccurate collection that was removed. It gets put back on with no explanation. This is not right and unfair practices.
Product: Mortgage

Around 2006 my mortgage was sold in a bundle. The original mortgage company XXXX XXXX XXXX XXXX went bankrupt. Ocwen became the loan servicing company for XXXX XXXX XXXX XXXX XXXX. When this transaction took place my escrow money of {$13000.00} disappeared. I tried calling Ocwen on several occasions and wrote them trying to get this matter taken care of trying to find out where my escrow money was. I was pretty much stonewalled. Since they couldn't tell me where my escrow money went I stopped making my mortgage payments. They have been trying to take my house ever since. I file bankruptcy to protect my home but now is going to be discharged and don't have money to pay off the mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested that Experian and XXXX remove an account that XXXX had removed from my credit report, and Experian and XXXX did not respond and/or they claimed the account will remain on my report. I asked Experian and XXXX for verification and they did not respond, and the inaccurate accounts still remains on 2 out of 3 of my credit reports.
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. Account name : XXXX Account number : XXXX Account name : XXXX XXXX XXXX in Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX account number : XXXX Account name : XXXX XXXX XXXX. 
Account number : XXXX Account name : XXXX XXXX XXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX  Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX Account name : XXXX XXXX XXXX  Account name : XXXX bank Account name : XXXXXXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account name : 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Student loan

I was informed that Navient had released a form to have your personal student loans discharged due to school misconduct. The form is not available online or through email. I was told that the only way to receive the form is to have them mail it to you. I requested the form be mailed to me and I was assured that it would be. I confirmed my mailing address multiple times with the individual I spoke with. It has now been over two months since the form was requested and I have still not received the form. Additionally, I received a different letter from Navient stating that my personal loan had been sold to XXXX and that they would be processing my loans moving forward. The email that was sent from Navient does not indicate a specific date for the change of loan servicer, it simply states, " this fall XXXX will begin servicing your student loans instead of Navient ''. So instead of supplying me with the means of maybe getting my loan discharged, they instead withheld that form and then sold my loan to a different servicer. To date, I have sent Navient over {$60000.00} to pay back a loan that was originally borrowed over ten years ago, for an original amount of {$26000.00}.
Product: Checking or savings account

My debit card was fraudulent use on XX/XX/2018. {$700.00} and {$800.00} was stolen from my atm card. I called BOA the next day I check my account, bank of America cancelled my card and issued another one and I was told they will investigate it and they will refund me in 10days if they didn't finish their inveatigation.

Apparently the thief/thieves also tried using the same card at well fargo but the transaction was declined, according to the customer agent I spoke with.

Next day I saw {$2.00} debited from my account, I called BOA and the agent told me the same card was used to check account balance at other bank, immediately {$2.00} was refunded back yo my account.

On the 10 day I was suppose to get refunded, an agent from BOA called asking me just 3 questions that " do you have the card with you on the day of the fraudulent charge, do you give you atm card to anyone and lastly did you give your pin to anyone ...

The next email I got after 20mins from BOA is the claim has been resolved and claim was not paid. 
I was shocked because this so called bank did not investigate the claim. 
My hard earned money was just gone like that? If bank is no more safe to keep my money I'd rather save my money at home. 
I already filed a small claim suite and hoping to get back my money.
Product: Mortgage

Incorrect reporting of my status to the following credit bureau, XXXX, XXXX and XXXX. 

The status under federal law needs to be reported as Mortgage included in Bankruptcy. 

Bank of America XXXX XXXX XXXX, XXXX, FL XXXX Mortgage Loan # XXXX United States Bankruptcy Court for the XXXX District of Florida Bankruptcy Chapter XXXX Case Number XXXX Filed XXXX Debtor : XXXX XXXX XXXX SS # XXXX Bank of America needs to correct my account status as Mortgage included in Bankruptcy.
Product: Credit card or prepaid card

At about XXXX XXXXXXXX  MST on XX/XX/2020, I attempted to use my Capital One Mastercard ( credit card ) to make a purchase online from XXXX XXXX. I was attempting to make a gift purchase, for my wife, while she was asleep. Capital One incorrectly identified my purchase attempt as fraudulent and froze my card. I immediately called the phone number sent to me by Capital One ( see 1st email alert ) only to get a recorded message indicating that their office was closed until XXXX XXXX eastern time. I called back after they opened and spent an extended period on hold and then went through a protracted identification process to " unfreeze '' my card. The Capital One representative said my card should be good to use at the conclusion of this call. After hanging up, I tried to make the same purchase with XXXX 's which was again, denied which resulted in a second fraud alert email from Capital One ( see 2nd email alert ). I made another call to Capital One and this time the rep said I needed to send a photo of my driver 's license, taken with my phone, for identification. I explained that I had an old fashioned " flip '' phone and I did not know how to do this. She then sent me an email link to allow me to send my driver 's license photo as an email attachment, however, using this technique will require about 10 days to unfreeze my credit card. While I understand the need to guard against fraud, my experience with Capital One 's " customer service '' was highly unsatisfactory. Capital One 's overzealous fraud protection cost me several hours of my time, the loss of use of my credit card for 10 days and a great deal of needless aggravation! In a sense, I was penalized by their system for not having a " smart '' phone to more quickly resolve this issue. But why didn't they correct the problem after my first call which would have avoided the apparent elevation of fraud concern, on their part, by the time I had to make that second call? Customer satisfaction appears to be a low priority with Capital One!
Product: Credit reporting, credit repair services, or other personal consumer reports

I had disputed the following three accounts with the three bureaus over the past 6 months, sending three letters requesting validation as well as incorrect information. Each time I get a response back verified without sending me the information I specifically asked, how did you validate? Show me proof. Show me a signed contract with my signature. These three accounts have different information reporting on all three bureaus which also violates my consumer rights. It has been three letters to no fix so now I am asking for a full DELETION of these 3 charge off accounts asap. 

I am enclosing a copy of the most recent letter sent to all three bureaus. 

XXXX. XXXX XXXX XXXX reports last payment on XX/XX/XXXX and XXXX ( No lates ) ; XXXX  reports last XXXX of XX/XX/XXXX with one 30 day late in XX/XX/XXXX ; experian reports CO since XX/XX/XXXX with no last payment date. 
XXXX. XXXX XXXX XXXX reports 100 % paid on time with last payment on XX/XX/XXXX ; XXXX  reports XXXX late payments and last payment on XX/XX/XXXX ; experian reports first 30 day late XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX shows late In XXXX, XXXX, XXXX, XX/XX/XXXX ( XXXX ) with last payment on XX/XX/XXXX ; XXXX shows late XXXX, XXXX, XXXX, XX/XX/XXXX ( XXXX ) with last payment XX/XX/XXXX and experian reports late XXXX, XXXX and XX/XX/XXXX with collection XX/XX/XXXX with no last payment date. Experian also reports this as a insurance claim or terminated for default ( not true being I have the furniture In my home ).
Product: Debt collection

It would appear an account was open with XXXX XXXX ( mobile ) using my personal information. My mobile provider has been XXXX XXXX for the past decade. I continue to receive past due bills and debt collection notices for Account : XXXX from I.C. Systems Inc. on behalf of XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the beginning of XX/XX/2022, I reached out to Equifax about the unauthorized inquiries on my report. I informed them that i spoke to the creditors, they told me to reach out to Equifax, and I have a police report because my wallet was stolen. Equifax responded by saying that I need to send in disputes with my police report and my identification. I sent it out, I attached it to this complaint and proof of mailing. Equifax sent back another letter asking for the same documents requesting for me to send identification as they already received it. That's a stall tactic. They thought I was not going to respond. I sent out the same information that they asked for again. XX/XX/2022, they wrote me again asking for information again. This has to stop, they are not honoring the FCRA. They have a grave responsibility according to 15 usc 1681 ( a ) ( 1 ) ( 4 ) to report accurate information. These inquiries have been ruining my reputation. I cant even apply for the things that I want because of these unauthorized inquiries. 
I am demanding monetary remedy from Equifax due to the fact that they willfully furnish things without doing an initial investigations. Me as the consumer have been trying to rectify this matter and they have been playing stall tactics. It cost money to send out documents via mail. I want {$1000.00} for each inquiry that they allowed to stay on my report after I sent them all they requested two times. ACCORDING TO 15 USC 1681 ( n ) ( b ) ( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. They are willfully in non-compliance. Equifax didn't even investigate when my personal information was pulled. Why we keep allowing this. I have my proof that they did not do any investigations after I sent them documents. This is my livelihood they are messing with. According to 15 USC 1681e ( b ) 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. Equifax is in violation of this. Where is the justice, what will be their excuse behind this?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, PA, XXXX As a consumer I am exercising my right to ask that you please in writing, define using Federal Law what exactly is a late payment and why it is reporting on my consumer report. If this is what looks like a consumer credit transaction which means it was already paid for once a credit card ( social security card ) was used in order to obtain this alleged vehicle. Then why are there late payments present on my consumer report? Please show proof of these alleged late payments. If your company is unable to provide the information that is asked for then I am requesting as a consumer and the original creditor that the remedy for the violation of having inaccurate information on my consumer report be : Deletion from all consumer reports. Thank you.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was 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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on 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}
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm a victim of Identity theft. There are numerous accounts with significant balances that have been reported to my consumer report that I have no knowledge of nor created. Including address, phone numbers and inquiries. I've made several attempts to have them remove including written documentation submitted to the bureau 's requesting accounts to be removed. However, the issue has been unresolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, 2022, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers 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 others 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 from 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. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

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

According to : 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 According to : 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 information is inaccurate.
Product: Checking or savings account

I had my account taken over they opened a new account fraudulently. I had to open an account. Havent received no credits. I call and being lied to and told different things. Worst customer service.
Product: Mortgage

I am writing to file a formal complaint against my mortgage servicer, Select Portfolio Servicing ( SPS ), regarding their handling of my escrow payment for homeowners insurance. My policy was cancelled for nonpayment, through no fault of my own, due to SPSs apparent failure to submit the required premium on time. 

On XX/XX/year>, I discovered in my XXXX XXXX online dashboard that my homeowners insurance policy had been cancelled for nonpayment. The dashboard showed a notice requiring payment by XX/XX/year>, to keep the policy current. 
Surprised by this cancellation, I contacted XXXX and was informed that it had received no payment from my escrow account. 

I then reviewed my account with SPS, which indicated that a payment for my homeowners insurance escrow was supposedly made to XXXX on XX/XX/XXXX, XXXX.Concerned by the discrepancy, I called SPS and spoke with an individual named XXXX. She stated that SPS had mailed a check to XXXX. However, given SPSs own dashboard shows that a payment was made on XX/XX/XXXX, XXXXand they had sufficient funds in escrow since XXXX XXXXI do not understand why a mailed check would be sent so close to the due date, putting me at risk of a lapse in coverage. 

As of now, XXXX has no record of receiving that payment, and my policy remains cancelled. SPS has not provided any proof of delivery or confirmation from XXXX. They collected over {$3000.00} in escrow from me since XX/XX/year>, so there was no financial barrier preventing timely payment. Mailing a check and stating to me that the payment was received by XXXX are 2 different things.
Product: Credit card

I check my credit report and notice that I had to late payments on my account from Capital One, I contacted Capital one to inquire about why a late fee was charged and informed them that no payments should be late I had set up a payment arrangement with my bank to have all payment sent directly to capital one. The person I spoke to informed me that they would credit my late fees back and remove the late charges off my credit bureau. The late fees were reimbursed but the late history is still showing up on my credit agency
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, sending you this complaint to seek your assistance in blocking this account from reporting on my Credit Report. This is also to inform you that I am working on my file personally and I have not hired any Credit Company to work on my files. 

I have a loan with XXXX. I have always made my payments on time yet there was a 120-day late state. Another thing, this was an illegal repossession followed by illegally reporting on my credit report ; this should have been investigated and corrected immediately. I tried contacting the 3 Credit Bureaus requesting a complete payment history with this account for me to review the exact date on which the late payments and charge off were posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. There was definitely an error on their part. There was definitely an error on their part. The bureaus are condoning illegal behavior and willfully in violation of FCRA. PLEASE REMOVE FROM MY REPORT IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

I filed a dispute over 30 days ago regarding collection accounts that I was unaware of and I havent received the investigation results