23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I would like a full on investigation on Caliber Home Loans, this is the second complain I will, the company has purposely and intentionally founds ways to retaliate against me. I filed a law suit in XXXX, due to the company asking for documentation sent more than once for a loan modification, XXXX XXXX filled a law suit and option a trail payment plan that would end in XX/XX/XXXX when we contact Caliber after the last payment the first point of contact stated that they denied modification due to not receiving a subordination letter from Keep Your Home California, they stared that the letter was send to my attorney back in XXXX, we including my attorney never got any subordination letter from Caliber Home Loans. I went ahead and contact Keep you Home California compliances Department and they have never seen the letter either. On XX/XX/XXXX Rep XXXX # XXXX was advised to open task for subordination letter by first point of contact. Rep XXXX # XXXX stated subordination letter was sent to XXXX XXXX on XX/XX/XXXX XXXX MGR XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  PHONE CALL [ p ] - XXXX LIEN SUBORDINATION//Called to follow up with CALIBER on the subordination and the rep XXXX ID # XXXX stated that they have received the the subordination authorization and the title department is working on the subordination. He also stated that they posted another Trial payment yesterday. 

XXXX XXXX MGR XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  PHONE CALL [ p ] - XXXX LIEN SUBORDINATION//Called to follow up with CALIBER on the subordination and the rep XXXX ID # XXXX stated that they have received the the subordination authorization and the title department is working on the subordination. He also stated that they posted another Trial payment yesterday. 

XXXX XXXX MGR XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  PHONE CALL [ p ] - FINAL LOAN MOD DOCS//Called Caliber and spoke to XXXX rep ID XXXX XXXX stated that the final modification is being prepared and has not been generated as of yet and will be in the next two weeks and will be sent to our office. As soon as we have received the docs we will forward to you immediately for signature.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to has verified these. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX XXXX, XXXX XXXX XXXX & XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally address the inaccurate information you have reported to consumer reporting agencies regarding my account, reported on XX/XX/2022. This erroneous reporting has caused significant harm to my character, reputation, and overall quality of life, severely affecting my ability to obtain credit for personal and housing purposes. Your inaccurate reporting has directly impacted my livelihood. 

Under 15 U.S.C. 1681s-2, as a furnisher of information to consumer reporting agencies, you have a legal duty to provide accurate information. Specifically, ( a ) ( 1 ) ( A ) prohibits you from furnishing information if you know or have reasonable cause to believe that it is inaccurate.

Moreover, the IRS clearly defines a charge-off or canceled debt as income, which does not belong on a consumer report. Reporting this account inaccurately misrepresents my financial status and is, therefore, misleading.

You are hereby put on notice that you are furnishing incorrect information. If the amount of canceled debt exceeds {$600.00}, as per IRS regulations, you are required to file Form 1099-C and provide me with a copy. Please send my Form 1099-C to the address listed below.

In accordance with 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ), you must cease reporting this inaccurate information immediately. I have formally notified you of these inaccuracies, and your continued reporting is a clear violation of your responsibilities as a furnisher of information.

This is your final opportunity to rectify this matter. I demand that you delete this erroneous account from my consumer reports. You have 10 calendar days to comply with this request.

Thank you for your immediate attention to this issue.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the re-insertion and inaccurate reporting of the following accounts on my credit report. Despite previous disputes and successful deletions, these items have been reinserted without the required notification under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ( a ) ( 5 ) ( B ) ). 

The following accounts have been re-inserted or inaccurately reported on my credit file : XXXX. XXXX XXXX  ( Experian and XXXX ) Account # : XXXX Date Opened : XX/XX/XXXX Balance Owed : {$280000.00} High Balance : {$300000.00} Payment Status : Late 30 Days Last Payment : XX/XX/XXXX XXXX. XXXX XXXX ( Experian ) Account Details Omitted XXXX. XXXX XXXX  ( XXXX ) Account # : XXXX Approximately 30 days ago, I requested an investigation of these accounts, and I received a notification stating that the investigation was complete and the items were verified. However, I did not receive any supporting documentation or proof of verification, as required by law. To further support my dispute, I am submitting a police report indicating fraudulent activity, which directly impacts these accounts.
Product: Credit reporting or other personal consumer reports

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XXXX XXXX XXXX Balance : {$40.00}, 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

We would like to file a complaint for Bank of America 's lack of ordinary due diligence in detecting check fraud and failing to perform its fiduciary duty. 
We are victims of identity theft and did not write 5 checks totaling {$87000.00}. We were out of the country for 6 months and returned to USA via XXXX XXXX XX/XX/XXXX. We went to the nearest branch shortly after arrival, discovered the fraudulent checks, then immediately reported it to the fraud department ( claim # : XXXX ) and local police department ( XXXX XXXX Police Report # : XXXX ) on the same day XX/XX/XXXX. 
On XX/XX/XXXX, Bank of America denied the claim solely due to 60-day reporting policy. An appeal was submitted XX/XX/XXXX to request further investigation. On XX/XX/XXXX, Bank of America denied the claim again solely due to 60-day reporting policy. 
We opened the savings account in XXXX, and have had minimal activity for the last 14 years. Bank of America did not verify signatures with our signature card before transactions because the fraudulent signature is nothing alike to the our actual signatures, even the last name was not signed on the fraud checks. We were not notified of these suspicious activities and the bank didn't suspect these large checks ( $ XXXX $ XXXX $ XXXX $ XXXX {$15000.00} ) totaling {$87000.00} in 5 weeks could be money laundering. 
Extenuating circumstances should exempt us from this 60-day fraud reporting window since we were not physically in the country from XX/XX/XXXX to XX/XX/XXXX, and we immediately reported the fraudulent activities upon discovery. 
Our check book has been in our possession wherever we travel. All but one forged check were written and deposited while we were overseas and not on US soil. Not only were the signatures not ours, but the check numbers are also from a non-existent check book. We did not request any additional check books from Bank of America or any other check-producing company. 
On XX/XX/XXXX Detective Sgt. XXXX XXXX of XXXX XXXX Police Station informed us that he spoke with the fraud department at XXXX XXXX XXXX XXXX, where the fraud checks were deposited. XXXX XXXX   already knows that this person that deposited the fraudulent checks is a fraud and reported it to the XXXX XXXX Police Department. 
This is a small amount of money for Bank of America, one of the largest banks in the nation, but {$87000.00} is a major part of our retirement money. It is disappointing that a global company like Bank of America is choosing not to investigate this type of crime, and, instead, closed the fraud claim fast, without offering support or common courtesy to a loyal customer.
Product: Credit reporting or other personal consumer reports

I am writing to express my profound dissatisfaction and frustration regarding the numerous unsuccessful attempts to correct the late opening of my account with your institution. Despite multiple requests for resolution, the issue remains unresolved, causing significant inconvenience and eroding my confidence in your institution 's service. 

I initiated the process to open an account with your institution. Unfortunately, due to unforeseen circumstances, the account opening was delayed. Since then, I have made several attempts to rectify this situation by reaching out to your customer service department, submitting formal requests, and adhering to the prescribed procedures for addressing such issues. 

Regrettably, each attempt to correct the late opening of my account has been met with inefficiencies, delays, and a lack of tangible progress. This has not only caused considerable inconvenience but has also raised serious concerns about the effectiveness of your institution 's handling of customer concerns. 

I wish to highlight the following issues : There has been a significant lapse in communication regarding the status of my account opening requests. Timely updates are essential for maintaining customer confidence and ensuring transparency. 

I have received conflicting information from different representatives, leading to confusion and frustration. Consistency in communication is imperative for a smooth resolution process. 

Despite assurances of follow-up, there has been a lack of proactive communication and action to ensure the prompt resolution of my concerns. 

I understand that administrative errors can occur, but the repeated nature of these oversights and the lack of satisfactory resolution are disconcerting. As a customer, I expect a higher standard of service, transparency, and a commitment to resolving issues promptly. 

I am formally requesting an immediate and thorough investigation into the reasons for the delays and inconsistencies in the account opening process. Furthermore, I expect a clear and detailed plan outlining the steps your institution will take to rectify this situation promptly and prevent similar occurrences in the future. 

If my concerns are not addressed satisfactorily, I XXXX have no choice but to explore alternative avenues, including reporting this matter to relevant regulatory bodies and consumer protection agencies. I am asking for your assistance to correct these late open accounts in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I have contacted all XXXX credit bureaus in reference to several accounts on my credit report it has now been over a year and still the items remain on my credit report and they have yet to respond to any attempts I have made in regards to the errors on my report
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted XXXX and XXXX  regarding removing the information from my credit report. I've provided proof and information and still no correction. I've received notice from the creditor that the XXXX  XXXX Account that has listed as XXXX and XXXX as being 30 and 60 days late in the history is to be removed from my credit report, XXXX Florida that is reporting a 30 day late history for XXXX is to be removed and XXXX XXXX that is reporting late for XXXX in the history to be removed. 

I have attached documentation from each creditor.
Product: Credit card

On XX/XX/XXXX my Capital One credit card account had an unauthorized charge of {$620.00} from XXXX XXXX and {$34.00} from XXXX. These charges were immediately disputed as fraudulent activities. Capital One has closed the account and reissued me a new account. But the same amounts from the same merchants were charged to my account repeatedly every month since XX/XX/XXXX until XX/XX/XXXX in spite the multiple attempts to change my account no. and credit the same amounts. I have spent multiple hours speaking to multiple agents in numerous occasion about this matter. On XX/XX/XXXX, they made a resolution and concluded that they were missing a credit of {$620.00}. But on XX/XX/XXXX, Capital One issued a rebill of the same amount they credited on XX/XX/XXXX. On XX/XX/XXXX, I made another phone call and requested a written explanation and/or computation about this long-drawn issue. According to Capital One they will escalate the said matter and give me a resolution and a follow up phone call within 72 hours. No follow up phone call was received nor a conclusion given. This issue has consumed so much of my time without any resolution. Despite several complaints, they have not resolved the issue in accordance with resolution prescribed by federal regulation. In my limited research I noted under EFTA ( reg e ), a financial institution is required to resolve the issue within 45 days. This has become a burden of mine for a year now. I have been a good customer of this company since XX/XX/XXXX and has been a responsible consumer since. I appeal to your good office to assist me finalize this matter once and for all.
Product: Checking or savings account

On XX/XX/, I was the victim of a scam. That day I received a call from XXXX regarding a special offer. Because this caller did have my XXXX account number, I assumed this offer was legitimate. However, after purchasing three XXXX gift cards from our local XXXX store with my debit card, I realized it was a scam. Within an hour after purchasing the third gift card, I immediately went to our local Wells Fargo branch at XXXX XXXX XXXX, XXXX XXXX, DE XXXX. At this point, the transactions were still pending in my account. I went into the bank and explained what was going on and requested that they not allow these transactions to process. I was told there was no one available to assist me and I should call the 800 number. I was very upset and while in the parking lot of the bank, I proceeded to phone the Wells Fargo XXXX number. I explained the situation to the Wells Fargo representative and requested that these transactions not be honored. After being on the phone with the representative for approximately 10-15 minutes, we were told a hold would be put on my debit card and I would receive a new debit card. 

Unfortunately, even after my efforts to get Wells Fargo to deny these transactions, the following XXXX gift card purchases were authorized by Wells Fargo as follows : XXXX XXXXXXXX XXXX {$360.00} XXXX XXXX Card XXXX XXXX XXXXXXXX XXXXXXXX {$490.00} XXXX XXXX Card XXXX XX/XX/XXXX XXXX # XXXX {$360.00} XXXX XXXX DE XXXX CardXXXX That evening, I called the DE State Police to report the scam. State Policewoman XXXX XXXX came to my home to take a Crime Report. The Complaint Number with the DE State Police is XXXX. During Officer XXXX investigation of this scam, it was revealed that the scammers had not gotten the information to obtain the {$490.00} purchased gift card. Therefore, I could still use that gift card. 

On XX/XX/, the Wells Fargo Bank did issue me provisional credits in the amounts of {$360.00}, {$490.00}, {$360.00} for a total of {$1200.00}. However, on XX/XX/XXXX and XXXX, XXXX, they reversed these credits in the amounts of {$860.00} and {$360.00} for a total of {$1200.00}. 

Although I know I am responsible for falling for this same, since I immediately went to Wells Fargo Bank to stop this scam while the scam was going on and these transactions were pending, and I was turned away from the Bank, I believe the Wells Fargo Bank should credit me for the two {$360.00} transactions in the total amount of {$720.00}.
Product: Credit reporting or other personal consumer reports

I looked at my credit report on XX/XX/2024 and noticed some things are incomplete and not accurate and according to the Fair Credit Reporting Act 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 who the report relates, XXXX. ) XXXX XXXX XXXX XXXX XXXX ( XXXX date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate ) XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate ) I sent a letter on XX/XX/2024 asking them to Reinvestigate the completeness and accuracy of the accounts listed but TransUnion is making it hard for me to submit my dispute they keep saying I sound like a credit repair company or ask for more identification Can you look into this problem
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, mortage company made unauthorized payment to DC Tax Authority. XX/XX/XXXX, I forwarded via text and email, the letter I received from the tax authority defering my payments to Rushmore. They acknowledged receipt and did not forward payment in XXXX of XXXX. However, in XXXX of XXXX, they did not adhere to the Deferral and paid the tax. 

I have tried since then, every way available, phone conversation ( s ), email, text, use of their internal database, to give the instructions as to how to have those unauthorized taxes paid, returned to them. I phoned DC Tax Authority to seek instructions as to how to retrieve their unauthorized payment, they gave them to me, and I forwarded it to Rushmore. Apparently, they have chosen not to follow instructions. 

Everytime I call them to try and resolve this problem, they seemed to understand the situation, and I was told it was researched and being processed. 

I receive " robo '' calls, since XX/XX/XXXX, and to this day, at a minimum of once a day, and as much as three ( 3 ) time a day harrashing me about a simple matter they have been instructed on how to resolve.

During the last conversation I had with their representative in their Personal Property Tax Division, ( which should be recorded, as well as all the other calls ) I told her of my fear that Rushmore would take the actions, that they have since taken, and posted something with the Credit Reporting Agencies, since it has taken them so long to resolve their problem, and make it mine. She informed me that that would never happen because this was not an issue of a late or non-payment of mortgage, and could not be reported as such by Rushmore. 

They have reported me late on my XXXX mortgage and I was not.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 

1. The following account is not mine XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX General Clothing Store Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX Automobile Dealers, New Inquiry date : XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX  Auto Financing Companies Inquiry date : XXXX XXXX, XXXX XXXX XXXXXXXX Automobile Dealers, Used Inquiry date : XXXX XXXX, XXXX XXXX XXXX XXXX Automobile Dealers, Used Inquiry date : XXXX XXXX, XXXX XXXX XXXX Automobile Dealers, Used Inquiry date XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Automobile Dealers, Used Inquiry date : XXXX XXXX, XXXX XXXXXXXX XXXX All Banks - non specific Inquiry date : XXXX XXXX, XXXX XXXX Finance Companies - non specific Inquiry date : XX/XX/XXXX I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 

Failing that, the item must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. 

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.
Product: Credit reporting or other personal consumer reports

XXXX is on my credit account and I don't know why.