23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XXXX-loan # XXXX Docket # XXXX Law date : XX/XX/2017 I expected better from our " justice system '' but, I am not surprised at my outcome. There are businesses similar to Caliber Home Loan, Inc., in existence all over. They claim to be customer specialist but they are not. They prey on the short comings/ misfortune and zero finances to fight properly. 
In my opinion Caliber Home Loan , Inc., is no more that a collection agency that buys loans and services them until people make one mistake. That one mistake has caused me nothing but disappointment, frustration and XXXX. Paper shows that Caliber tried to work with me, but they really did not. 
I fought long and hard to modify my mortgage loan on my own, and then through Court Mediation. Week after week, month after month, the same exhibits needed to be redated, refaxed or remailed. In Court mediation myself and the Court appointed mediator handed off the paperwork to the Attorneys office representing Caliber Home Loan , Inc. and they saw that it was passed on in a timely manner. This process went on for a year or more and until recently I got defeated. 
I have every paper I ever sent to Caliber Home Loan, Inc. I was never sent a letter of rejection. They knew my credit worthiness and I feel they misled me. I have lived here 15+ years and am XXXX years of age. I apologize for being laid off but tried to quickly rebound and get back on board. I was told by Attorneys and others that mortgage companies do not have to work with people and I am sure that Caliber did not want to work with me. Now, I will join the homeless because I could have paid the modification ( which was to be through HAMP ) but Senior housing and regular housing are saturated. 
What do I want?? I just do not want anyone else to suffer this kind of unnecessary XXXX, XXXX, XXXX and XXXX from Caliber Home Loan , Inc. 
Thank you for your time and consideration.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing this account for years and they keep saying it's verified but the address is not mine that is attached to the report nor is that my name that is also on the report.. the company refuses to Delete the report off my credit.. 

Also... It's against to report to credit bureaus while I am disputing this information
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 : DEPT OF EDUCATIONXXXX XXXX Balance : {$4400.00} DEPT OF EDUCATION/XXXX  XXXX Balance : {$2800.00} DEPT OF EDUCATIONXXXX XXXX Balance : {$4800.00} DEPT OF EDUCATION/XXXX  XXXX Balance : {$9300.00} XXXX XXXX XXXXXXXX Balance : {$650.00} XXXX XXXX XXXX Balance : {$340.00} XXXX XXXX XXXX XXXXXXXX Balance : {$24000.00} XXXX XXXX XXXX XXXX Balance : {$640.00} XXXX XXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXX Balance : {$650.00} XXXX  XXXX XXXX Balance : {$340.00} XXXX XXXX XXXX XXXXXXXX Balance : {$24000.00} XXXX XXXX XXXX XXXXXXXX Balance XXXX {$640.00} XXXX XXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXXXXXX Balance : {$650.00} XXXX  XXXX XXXX Balance : {$340.00} XXXX XXXX XXXX XXXX XXXX : {$24000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$640.00} XXXX XXXX XXXX XXXX Balance : {$0.00}-
Product: Debt collection

I had XXXX on XX/XX/2022. The evening before XXXX I received a call from Global One requesting an excessive amount to be paid by me just hours before major XXXX. I explained to them that I was not going to pay, until my other medical bills had gone through for deductible purposes, and further until I received a detailed accounting of the actual procedures on the actual day of XXXX. This week I received a letter from Global One that I was being sent to collections, however, this is the first notice I have received and additionally I have still not received a detailed accounting of procedures, costs, and what was actually billed.
Product: Mortgage

XX/XX/XXXX Complaint regarding lack of notice for transfer of mortgage account I have a mortgage account with bank of America since XX/XX/XXXX. Today ( XX/XX/XXXX ), I attempted to make a payment online and I could not as the account was not available. I called the mortgaged department and, I was informed that my account was sold to another mortgage company. I asked how the decision was made without any notice and having to find out that day. I explained that to the representative that in the last month ( XX/XX/XXXX ), I called several times to discussed mortgage payment, check received, and possible refinance option and, not one time has someone even mentioned it. The representative stated that a letter was sent on the XX/XX/XXXX. I explained that I have not received any letter as of XX/XX/XXXX. I was transferred to the debt collection department and was informed the account was that the account transferred was a request from my ( investor, FHA ). The representative explained that they had 30 days to notified me but yet, the alleged unreceived letter was sent out on the XX/XX/XXXX given me 15 days of notice. I contacted the FHA resource center and, I was informed that they do not make such request for account to be transferred to other company as it is the lender 's doing ; the bank just need to notified the HUD national. I am filling this complaint because Bank of America failed to give me proper notice of their decision to transfer my account and gave me false information. Bank of America has violated my right to received proper notice before such action was completed.
Product: Bank account or service

received a check from Citizens Bank referencing Administrative proceeding File No XXXX - XXXX I asked Citizens if I can have the date that the error occurred so I can correctly adjust my corporate records. 
I was told they do n't know??? 
If they do n't know how did they decide to send me a check. 
I would hope that the consumer Financial Protection Bureau know the answer when did the error occurred. A answer between XXXX and XXXX is not sufficient THANK YOU Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

filed ftc accounts names address not mine XXXX XXXX XXXX XXXX XXXX XXXX Addresses XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX potentially negative icon Potentially Negative StatusOpen. {$180.00} past due as of XX/XX/XXXX. 
Account TypeCredit card Balance {$420.00} Date OpenedXX/XX/XXXX Dispute XXXX XXXX XXXX potentially negative icon Potentially Negative StatusOpen. {$190.00} past due as of XX/XX/XXXX. 
Account TypeCredit card Balance {$480.00} Date OpenedXX/XX/XXXX Dispute Installment Loansshow tooltip button XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusOpen. Deferred, payment date not reported Account TypeAuto Loan Balance {$7000.00} Date OpenedXX/XX/XXXX Detailsunder dispute icon
Product: Credit reporting or other personal consumer reports

This letter constitutes a formal dispute of inaccurate and unverifiable information currently appearing on my credit report. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e ( b ), which mandates that you maintain reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

The following accounts are disputed : * XXXX, Account Number : XXXX ... ** * XXXX XXXX XXXX XXXX Account Number : XXXX ... ** * XXXX XXXX XXXX, Account Number : XXXX ... ** I contend that these accounts are either not mine, contain inaccurate information, or lack proper verification. I request immediate investigation into these accounts and demand that you provide verifiable proof of their validity. 

As defined by 15 USC 1681a ( 5 ) ( a ), " credit '' is " the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment. '' I have no recollection of entering into any such agreements related to the disputed accounts. Therefore, their presence on my credit report is inaccurate and damaging.

I am requesting the following actions : 1. **Complete Investigation : ** Conduct a thorough investigation into the disputed accounts.

2. **Verification of Debt : ** Provide me with complete and verifiable documentation proving the validity of these accounts, including original signed contracts, account statements, and any other relevant records.

3. **Immediate Deletion : ** If you can not provide sufficient verification within 30 days, I demand the immediate deletion of these accounts from my credit report.

**Notice of Legal Action : ** Please be advised that if these inaccuracies are not corrected within 30 days of the date of this letter, I will pursue legal action to protect my rights under the FCRA. I will seek damages for each inaccurate item, including but not limited to {$1000.00} per violation, as well as attorney fees and court costs. I have retained legal counsel to assist me in this matter. 

I expect your prompt attention to this serious matter. Please send all correspondence and documentation to the address listed above.
Product: Credit reporting or other personal consumer reports

I request that all three credit bureau investigate and remove all hard inquiries from my report. I am a victim of identity theft/fraud due to credit breaches that occurred, and I was not aware are notified of these breaches. Due to breaches my personal information has been used improperly, make it hard for me to receive any assistance needed. These are the false inquiries, and dates they were filed in my name, as followed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX All listed I ask that they be removed immediately. These are actions of fraud. I have no acknowledgment of any company listed. Under state laws 15 USC 1681b ( 2 ), 15 USC 16811 ( q ), 15 USC 1681c-2
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and have a current police report on file with XXXX XXXX. The following inquiries viewed by others currently listed and showing on my XXXX XXXX XXXX Report ID : XXXX is fraudulent, unauthorized and not my inquiries : XXXX XXXX XXXX XXXX, XX/XX/2024, 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 and XXXX XXXX XXXX XXXX I have no bank or checking accounts with the above banks or credit unions listed. The inquiries are fraudulent and not my inquiries.
Product: Checking or savings account

My citibank savings account has been deactivated due to inactivity. I have sent two letters to them with the info requested to the address asked and they have not received those two letters. I have spoken to about 30 people in XXXX and hung up on. I have not had access to my funds for 90 days. They have XXXX that is my whole savings. I cant speak to anyone in the US. I have literally tried every phone number. There is no location in my state.
Product: Debt collection

I had owed money to XXXX XXXX. After a few years of owing then in 2020 I was contacted by a collection company who offered a settlement for XXXX. I dont remember the exact amount but it was XXXX or so. I paid the amount in full. Now I was contacted from another credit collections agency saying I owe XXXX XXXXXXXX the same debt. They are very persistent that owe them more money. The collection company is called Portfolio recovery
Product: Credit reporting or other personal consumer reports

I recently perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Please REMOVE these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about this inquiry. 
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 XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

The collector has called another family member and constantly keeps calling my cell after I said stop.
Product: Credit reporting or other personal consumer reports

I contacted the company to correct the reporting on the account in reference to payment being made late. The company was sent a letter to the XXXX XXXX XXXX XX/XX/year>. The amount past due was {$40.00}. I have no history of being late on this account and this is highly unusual for me to be late on any of my accounts my prior payment history attests to this. The credit card company saw fit to report this to the credit bureaus which adversely affected my credit rating and subsequently caused irreparable harm to my ability to obtain new credit or apply for mortgages. I expressed this to the company and they told me that there was nothing they could do. I also disputed this with the credit bureaus and again the credit card company refused to address the error. The statement was to arrive the day after XXXX XXXX XXXX XXXX which was a holiday so the XXXX was the date giving grace for the holiday and which I did not receive the statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no knowledge of these two XXXX delinquent accounts on my credit file I have disputed them with the credit bureaus for about a year with no results, please verify the information you have on file about these two accounts listed below XXXX XXXXxx XXXX XXXXxx
Product: Checking or savings account

I have been having constant issues with Truist bank. I send money to my family in Illinois and whenever I am up on my XXXX limit, I try to use XXXX XXXX or XXXX XXXX. For the longest time Truist assumed its not me despite me calling them numerous times and confirming that it is me. As a result they have frozen my accounts and I can not access my money
Product: Vehicle loan or lease

At XXXX am on XX/XX/year> I was contacted at the number XXXX. He identified himself as XXXX from the recovery department. The number that appeared on caller ID was XXXX. He was informed he was only to contact me via email. He said he would note that. No one has contacted me via email in the past 2 months, they continue to call. 

This is the company 's fourth violation.
Product: Debt collection

I am XXXX XXXX XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and XXXX. Please update/block/delete the following inaccurate accounts and unauthorized inquiries reported in my credit report.
Product: Debt collection

I have sent Central Financial Control letters notifying them that I was a victim of identity theft and that this account is a result of the identity theft. I have asked them to send me proof that this debt belong to me and I have not received anything from them. I know that they can not produce anything because the debt is not mine and was not authorized by me. I need your assistance in getting this matter resolved.
Product: Credit card or prepaid card

Good Evening I placed an order by error in my XXXX account in XXXX. The order number is : XXXX and the item number is : XXXX. Three weeks ago I returned to the seller this item through USPS and tracking # is XXXX. The seller confirmed to me he received this item and I got delivery information from USPS systems. The name of the seller is XXXX from XXXX company in XXXX   XXXX, CO. In addition I called to his business and they confirmed they have received it. I have contacted the seller, several times, for a full refund and he keeps saying that " he already refunded to my credit card '' the total cost ( {$31.00} ) for the returned item ( attached you will find evidences of email from the seller and statement from my PenFed Credit Card account ). I tried to request a refund through XXXX but the returning case was closed by ERROR on my side. XXXX informed to me that I have to contact the seller directly. I have contacted the seller several times. As of today I have not received my full refund back to my PenFed credit card account from the seller. I called the seller to follow up on the refund and all he says that the amount have been refunded. As of today I have NOT received my refund. I requested a dispute with PenFed but they made some errors processing my first dispute ( since XXXX ) and yesterday XXXX I had to request a second dispute to them. As of today my case have not been resolved. I have considered to request a police report against this seller ( if you go to XXXX the seller and his staff have horrible reviews ) but I wanted to try to solve my issue through the CFPB. I will appreciate if you can intervene.
Product: Credit card or prepaid card

Good afternoon, This a formal complaint agains Asta Funding Inc Located at XXXX XXXX XXXX XXXX NJ XXXX This company has been reporting incorrect information on my credit report I have reached out to them but nothing has been done the have reported incorrect balance to my report multiple time which has cost me the loss of me being able to close on a home purchase because of there mistakes. Credit report should reported every month correctly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to remove these items from my credit report for over a year. I have tracking # proof also. My pastor told me about the 609 law and helped me write a letter of intent to all XXXX credit bureaus. They have not responded or provided any proof of these debts that are not mine. I am trying to purchase a home and this is causing a huge problem. 
XXXX : MIDLAND CREDIT MANAGE for {$980.00} XXXX MIDLAND CREDIT MANAGE for {$2400.00} XXXX Inquiry date XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I would like to dispute these inaccurate accounts on my credit report. 

Equifax : XXXX XXXX XXXXXXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in the process of purchasing a new vehicle and in doing so I had to pull my credit reports and found there were multiple accounts that are inaccurate and should not be on my credit report. I understand mistakes happen but this needs to be fixed expeditiously because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency. Under 15 U.S. Code 1681e ( b ) ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I know that under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : XXXX XXXX XXXX XXXX XXXXXXXX... 
XXXX XXXX XXXX XXXX XXXXXXXX... 
DEPT. OF EDUCATION/XXXX XXXX XXXXXXXX... 
DEPT. OF EDUCATION/XXXX XXXX XXXXXXXX... 
DEPT. OF EDUCATION/XXXX XXXX XXXXXXXX... 
DEPT. OF EDUCATION/XXXX XXXX XXXX. 
XXXX - XXXX... 
XXXX XXXX XXXX  XXXX... 



I have attached a copy of my ID for identity verification and a bill for address verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several attempt to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Mortgage

I closed my mortgage with Nationstar Mortgage ( Mr. Cooper ) on or about XX/XX/XXXX. I was to receive a disbursement of my escrow account in the amount of {$3700.00}. Per XXXX ( a ), they are legally required to send me this money within a timely manner. 

After receiving the check in XXXX, there was an issue with the physical check and I needed it to be re-issued. After calling on XX/XX/XXXX to ask for the re-issue, I was assured that re-issuing the check was not an issue, and that they would re-issue it. I was to expect the new check in 7-10 business days. 

38 days later, On XX/XX/XXXX, I still had not received the re-issued check. This crosses the 30 day window allowed through XXXX ( a ). I called Mr. Cooper back asking for the status, and they informed me that they would re-send the check, as it wasn't sent the first time. I would surely receive it in 7-10 business days. 

19 days later, On XX/XX/XXXX, I still had not received my check. I called to ask for a status, and they said they had no status but they could send it again, or request it to be wired directly to my bank. I chose the wire option as I didn't trust the mailing process anymore. They told me to give the wire 24-48 hours to clear. 

5 days later, On XX/XX/XXXX, I still had not received the wire transfer. I called to ask for a status, and they said they had no record of the wire transfer being made. They said they could resend it, and I obliged. They told me to now wait 3-5 days. 

7 days later, On XX/XX/XXXX, I still had not received the wire transfer. I called to ask for a status, and they told me the exact same thing- they had no record of a wire transfer being attempted. But that they could try again, and see what happens. At this point I was given a case number to possibly follow up with my next request, but I have no way of looking up cases through their website. 

As of today, I still have not received the wire transfer. 

It has been three months that I've been lenient with Nationstar dba Mr. Cooper, attempting to resolve this through them. Their incompetence and inability to return my funds to me in a timely manner has given me no other choice but to file a formal complaint.