23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX, XXXX and Complaint against " Caliber Home Loans, Inc. " ( a fictitious name used by XXXX XXXX XXXX XXXX and XXXX XXXX as a cover up ) and XXXX XXXX  XXXX, an XXXX XXXX  who operates massive Ponzi Scheme via sham conduits - XXXX XXXX and XXXX companies who collect all my money and who forged documents to steal my home. 

On XX/XX/XXXX " Caliber '' ( dba XXXX, aka XXXX XXXX ) provided evasive and full of lies respond to CFPB saying that " Caliber '' was a Servicer for my alleged " loan '' who purportedly " processed '' my payments, charges and advances while " Caliber '' was a " Serviver '' of my " loan ''. 

First, Caliber never was a Servicer of my alleged " loan ''. The REAL servicer was XXXX XXXX, XXXX ( former XXXX XXXX XXXX XXXX XXXX ) who acted under instructions from XXXX XXXX  who used XXXX XXXX XXXX XXXXXXXX XXXX  as an intermediary. 

XXXX XXXX XXXX XXXX used name of " Caliber " as a cover up. 

Second, Caliber [ read : XXXX ] never collected or processed any of my payments. It was done by XXXX XXXX XXXX who collected all my money and deposited them with XXXX XXXX XXXXXXXX. If XXXX did it- and it was admitted in writing, then Caliber did not do it. 

" Caliber '' [ read : XXXX ] claimed that the servicing RIGHTS [ not actual servicing activitirs ] were transferred from faux " servicer '' Caliber [ read : XXXX XXXX XXXX XXXX ( whose address is XXXX XXXX XXXX XXXX XXXX, XXXX TX ) were " transferred '' to fictitious corporation XXXX XXXX XXXX XXXX XXXX, a single member XXXX incorporated by XXXX XXXX as a cover up for XXXX, XXXX hedge fund, Caliber and XXXX  are both reformed XXXX XXXX, " accrued '' by XXXX XXXX XXXXXXXX in XXXX and restructures into a chain of faux companies who play roles of " servicers '' - without any servicing activities.. 

" Caliber " claimed that they provided " legit documents '' realted to my " ; loans '' such as forged XXXX  from faux " lender '' XXXXXXXX XXXX XXXX " Caliber '' on XX/XX/XXXX ( which " Caliber '' refuse to admit ) ; and undated forged Allonge where " Caliber '' " transferred '' to someone " loan '' which belonged to " XXXX '' according to " Caliber '' 's own words I demand disclosures based on which authority " Caliber '' prepared undated XXXX  where they transferred XXXX '' 's loan. 

I demand disclosures when this Allonge was prepared, and to WHOM " Caliber " transferred this Allonge I demand disclosures WHOM " Caliber '' was servicing all this time if XXXX has no records of Caliber 's servicing, proven by XXXX official responses I demand disclosures WHO authorized transfer of " Servicing rights '' from XXXX XXXX " Caliber '' [ XXXX XXXX ] to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and the name of an individual employee at Caliber [ XXXX XXXX who approved this transfer
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE ASK FOR PROF FROM BARCLAY THAT THESE CHARGES WERE MADE BY ME THEY HAVE YET TO SEND ME PROF OF ANY PURCHASE MADE IF THEY CANT SEND PROF I WANT IT REMOVED FROM MY CREDIT REPORT BY LAW THEY MUST SEND PROF
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

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

I am writing to formally dispute an inaccurate late payment entry on my credit report. After reviewing my credit history, I noticed a late payment reported by XXXX XXXX  for my account XXXX. I believe this entry is incorrect, and I am requesting your assistance in investigating and resolving this matter.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> American Express Attention : Customer Service / Charge Off Records American Express XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Account Information Charge Off Records Dear American Express Customer Service XXXX I am writing in reference to my account with American Express , which has been charged off. I would like to request specific records related to this account for my personal records and clarification. Please provide the following information : 1. The date of first delinquency for my account.

2. The date of charge off.

3. The date of last payment. 

Please note, I am not disputing the charge off or any other aspect of the account ; I am simply requesting this specific information for my own records. I would appreciate it if you could provide these details at your earliest convenience. 

If any further information is required from me to process this request, please let me know. 

Thank you for your attention to this matter. 

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

Subject : Request for 1099-C for Canceled Debt I am requesting a 1099-C ( Cancellation of Debt ) form for an account that was charged off. The Capital One account in question was written off as uncollectible, but I have not received the 1099-C form, which I need for tax purposes and to address an ongoing legal issue. 

Account Information : The Capital One 360 account was charged off and written off as of XX/XX/year>. The balance at the time of charge-off was approximately {$330.00} Actions Taken : I have reviewed my records and confirmed that I did not receive the 1099-C form from the creditor. I am currently involved in a third-party lawsuit related to this account and require the 1099-C for tax reporting and legal purposes.I request that the 1099-C be provided as soon as possible so I can address the legal and financial implications of this matter.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in 60 days to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports XXXX
Product: Credit card or prepaid card

I received an email from capital one stating I recently updated my phone number, which I did not. I went online and checked my phone number information and there was an additional number added to my account under the " Business '' section. I called capital one immediately and explained the situation, I had my card info changed and even changed my password. After further research I looked up the number just to see if it could be anyone I knew and it was ... I 'm not sure how to proceed with this information.
Product: Credit card or prepaid card

I noticed on some fraudulent charges on my credit card with Nordstrom and called in and ask them to dispute few fraudulent charges and spoke a investigator named XXXX and he is so rude and XXXX and has a XXXX  attitude with me and wouldnt let me talk to a supervisor and refused to let me appeal my fraud case and I sent in the documents and my ID and my bills to Nordstrom and within weeks my case was denied and I was rebilled for all the charges from XXXX and XXXX XXXX  and I never did business with them ... now I will not pay this bill and I refused and I will take legal actions if I have to because I dont have any dispute rights or appeal rights with Nordstrom and I send hime Documents and he was rude to me and unprofessional and I didnt get a call from a supervisor at all ....
Product: Credit reporting or other personal consumer reports

I have previously disputed, the XXXX XXXX XXXX XXXX XXXX dated XX/XX/2018 ; Reference XXXX XXXXXXXX with you the credit report agencies and in response you the credit reporting agency verified the item as accurate stating that you have " verified the information with the court ''. The courts do not report to credit report agencies ever or any credit bureau for that matter ; It is fact that public record of a bankruptcy showing up on a credit report makes the report, false reporting, and a violation of the Fair Credit Reporting Act, FCRA 611 ( 15 U.S.C. 16811 ). Therefor XXXX XXXXXXXX XXXX, Equifax 's, and XXXXXXXX XXXX original response asserting verification of the item with the court is an error, a violation of FCRA, and or a lie too, In each instance, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 16811 ) and the information must be deleted immediately unquestionably.
Product: Vehicle loan or lease

XX/XX/XXXX : We traded in a truck at XXXX XXXX. The dealership took possession of the truck and we drove away with new car leased from XXXX also made our first lease payment to XXXX that day. XXXX did not pay off the truck loan amount ( through Regions Bank for amount of {$33000.00} ) until XX/XX/XXXX ( 34  days late. ) This left a 30 day late mark on my credit score. I have never been late on any payments in my credit history and this incident dropped my score about 75 points. I have tried to dispute with XXXX and asked for forgiveness via phone and letter from Regions Bank to no avail multiple times. XXXX dealership will not return my calls.
Product: Checking or savings account

Company : Bank of America XXXX XXXX XXXX XXXX, FL XXXX Closure status Settle in Full Closure status Date : XX/XX/2016 ID theft I am reporting a incident that happened XX/XX/2016. At that time I was transitioning back to New Jersey, I got a call from the Bank of America that someone was trying to deposit a stolen check, via by cell from XXXX. Bank of America called me to inquire if I was in that location, I responded that I was in New Jersey. They informed that someone was trying to cash a stolen check on my account. I informed them to freeze the account because I was not the person cashing the check. The bank ask me a series of questions regarding my account I was informed at that time that an investigation will take place. I later received a letter stating that my account was closed. A couple of months later I tried to open a bank account in New Jersey and was denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

Noticed an account on my credit report that I did not create or apply for. I was notified by state of OHIO previously that my personal information has been breached. I filed a police report. The account IN QUESTION that I did not open was not showing up on my XXXX or other reports at this time. Recently, I noticed the XXXX  account ADRESS XXXX XXXX XXXX XXXX XXXX XXXX, CA PHONE NUMBER XXXX on my XXXX report and immediately notified the Credit reporting agency that this is not my account and I believe it to be a scam and or fraud. The XXXX Credit firm has refused to remove this from my report even after submission of several disputes : ID THEFT PO REPORTS, CFPB COMPLAINTS FILED, FTC ID THEFT REPORTS, and several more phone calls to the Credit bureau. I asked XXXX to provide documentation, signatures, proof and they said that they do not do that AND THAT only there back office has that information.
Product: Debt collection

I'm a natural person, I am a living being, I have rights under 15 USC 1681.or 15 U.S.C 1681 section 602 A. states I have the right to privacy. 

In accordance with the fair Credit Reporting act Collections- Source XXXX XXXX  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. 

15 U.S.C. 1666b A Creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late any reasons. 

According to 15 USC 1681 : I have the right to privacy, and I did not give XXXX, XXXX, XXXX, written permission to furnish these accounts.
Product: Credit reporting, credit repair services, 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 : DEPTEDXXXX  Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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: Debt collection

I had a debt with XXXX I believe in XXXX or XXXX. It ended up going to collections. I have tried to dispute that it has been on my credit too long to still be valid. Also, it has been sold and resold by debt collectors, which I believe is making it difficult to have it removed, because everytime it is resold, it makes it look as if the debt is new. This is way too old to be on my credit and needs to be removed ASAP! The company sent me a letter stating there wasnt enough information to support my claim to have them removed from my credit.
Product: Checking or savings account

My USAA checking account was fraudulently accessed in XXXX and XXXX of 2023 and approximately {$22000.00} was stolen via a remote device that sent checks to fraudsters. USAA reimbursed for the XXXX theft and told us to change passwords, pins, etc but did not discover the remote device on my account. I was then subsequently robbed again and a fraudulent {$6000.00} check was sent to an individual in North Carolina. USAA fraud dept is saying it is my fault because I must have shared my security information with someone which of course I did not do. Customer Service has been an absolute nightmare with USAA and they failed to notify me in writing of their decision to close the fraud case and not refund my money. I am afraid to keep my money and insurance business with them as I don't know how the fraud occurred.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX XXXX XX/XX/year> XXXX XXXX Dispute Resolution Department XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Urgent Dispute and Request for Immediate Removal of Secured Credit Card Account To Whom It May Concern, I am formally disputing the secured credit card account ending in XXXX that was opened in my name. I was under the influence at the time and did not fully understand the terms and conditions. Furthermore, this account was the direct result of human trafficking, and its continued presence on my credit report has caused me significant and ongoing harm. 

Under federal law, specifically the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-2 ), I have the right to request the blocking and removal of any information related to a financial transaction that was a result of human trafficking. This law explicitly protects survivors from further financial and reputational harm caused by fraudulent or coerced accounts. 

Additionally, under the Truth in Lending Act ( TILA ) ( 15 U.S.C. 1601 et seq. ), financial institutions have a legal obligation to ensure consumers fully understand the terms and conditions of their accounts. Given my medical condition at the time, I was unable to provide informed consent, making this account invalid. 

I demand the immediate removal of this account from my credit report. Should XXXX XXXX  fail to comply, I will pursue legal action on the grounds of negligence, consumer fraud, and violations of federal protections for human trafficking survivors. XXXX XXXX failure to take appropriate action would indicate complicity in financial abuse, a serious and inexcusable offense. 

There is no excuse for this. I expect a written confirmation of the accounts removal within 15 days of receiving this letter. If this issue is not resolved promptly, I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), the Office of the Comptroller of the Currency ( OCC ), and legal counsel. 

I trust that TD Bank will act in accordance with federal law and immediately take corrective action. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally file a dispute with TransUnion regarding incorrect information on my credit report, which I initially brought to their attention on XX/XX/XXXX. To date, TransUnion has not responded to my dispute. I would like to provide the following details concerning the inaccurate information and the necessary corrections : The following account from XXXX  XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1700.00} ) has never been late. I kindly request that TransUnion corrects and updates this inaccurate information on my credit report. 


The following account from XXXX XXXXXXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$300.00} ) has never been late. Please correct and update this inaccurate information on my credit report. 


The following account from XXXXXXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1300.00} ) has never been late. I request that TransUnion corrects and updates this inaccurate information on my credit report.
Product: Credit card

I am writing to formally report a case of identity theft and unauthorized activity involving my Wells Fargo credit card. I am a long -time customer of Wells Fargo.I am a XXXX  XXXX  currently working across multiple states, with my primary residence in Florida XXXX 
While in was in XXXX  for few days, on XX/XX/year>, I applied for Wells Fargo credit card through bank official website and was approved for {$5000.00}. 
To my shock, on XX/XX/year>, I discovered a Wells Fargo XXXX XXXX XXXX credit card XXXX XXXX XXXX XXXX with a fraudulent credit limit of {$8.00} XXXX had been opened in my name. Furthermore, a charge of {$7.00} XXXX was made to a business named XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida, a location where I was not present at the time. 
On XX/XX/year>, the date the fraudulent charge occurred : I was working a XXXX shift at XXXX XXXX XXXX XXXX XXXX XXXX, North Carolina XXXX 
I used my business debit card ( XXXX XXXX XXXX XXXX ) for vending machine transaction on the hospital 's XXXXXXXX XXXX XXXX additional his transaction was recorded as " XXXX XXXX XXXX XXXX XXXX XXXX  On XX/XX/year> additional transactions from XXXX XXXX  and XXXX XXXX XXXX XXXX  on the same card confirm my presence in XXXX. 
The Wells Fargo XXXX XXXX XXXX credit card was never in my possession and never activated by me. 
The circumstances of this fraud raise serious concerns about the security of my personal information. Given the nature of this breach strongly suspect this may involve internal security vulnerabilities. 
How was the XXXX XXXX credit card activated without my authorization or possession? What IP address and device were used to activate the card and process the transaction? 
Were any change made to my credit limit or personal account details? If so, who authorized them? 
Why did Wells Fargo 's fraud detection system fail to flag this suspicious activity? 
Steps I have already taken. 
I reported this fraud to Wells Fargo customer service on XX/XX/year>, and fraudulent account was eventually closed. 
I hope Wells Fargo conduct an in -depth investigation into this fraudulent account and will provide a full report of their findings, including a timeline of events and security measures breached. Confirm in writing that I will not be held liable for any charges or credit account fraudulently opened in my name. 
Advice me on how to protect my accounts and secure my personal information moving forward. 
Sincerely, WF customer
Product: Credit reporting or other personal consumer reports

I DONT RECOGNIZE ANY OF THIS INQUIRIES 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 XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX  who lived with me before be passed away used my phone to open up XXXX apple credit card accounts. They were both paid off and closed and I called apple to explain the situation and ge them removed off my credit report. However, they have sent nothing to the credit reporting agencies to remove them and refuse to flag them as identity theft.