23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I contacted Caliber Home Loans to take advantage of low-interest rates and re-finance her home loan. For the past 8 months, XXXX has either lost information or passed the information to different departments whereas they keep asking me for the same information that she has submitted several times. The loan was supposed to close escrow in XX/XX/XXXX and yet, in XX/XX/XXXX they keep asking for the same information. 

XX/XX/XXXX : I contacted Caliber Home Loans to start the refinance process and submitted an application. 

XX/XX/XXXX : I submitted all paperwork requested. 

XX/XX/XXXX : Title company contacted me regardng process. 

XX/XX/XXXX : I signed disclosure statement and locked in her loan rate. Sent payoff request form and title information to title company. Later in XXXX, the title XXXX called to let me know that escrow would be contacting me directly to set up a date to sign loan docs. The title officer said the title was the last issue to resolve before closing escrow and since everything looked good, there would be no other delays. 

XX/XX/XXXX : Still waiting to sign loan docs, no one from XXXX contacted me so I called XXXX asking what the status of the loan was. The loan XXXX I was working with transferred to another department and he had to transfer his loans to someone else and had caused a lot of issues at XXXX at no fault due to me. He said he would get the loan docs ready as soon as possible. I re-sent current paystubs and bank statements that XXXX requested. 

XX/XX/XXXX : XXXX sent new disclosure statement that was inaccurate from the loan lock that I signed in XXXX. It was incorrect because it showed me paying points when I was not paying any points when I locked in her loan. I contacted the loan officer and he said there was a " glitch '' in XXXX 's system and that he would fix the problem and send a new disclosure statement. 

XX/XX/XXXX : Still waiting, I received an email from a second loan officer at XXXX stating that now she needed to again, for a 3rd time, to send additional documentation. I contacted my original loan officer telling him this was ridiculous and why do they keep asking for more paperwork when the loan should have closed in escrow in XXXX. He said he expedite the loan process. 

XX/XX/XXXX : The second loan officer called and emailed me again asking for one year 's statements of evidence that I had been paying my mortgage. Why? I authorized the title company to request a payoff from her lender back in XX/XX/XXXX. I spoke to the original loan officer and told him I have exhausted all my efforts with the loan. 

I believe XXXX is harassing me. I have, multiple times, given the paperwork asked for by XXXX and they give no explanation as to the delay in closing the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  is a fraudster company -- they work for the banks so all they want is to help the banks capture your property. They do not provide a way to dispute credit iu=inquiries which can affect your credit score. The people there are abusive and frustrating. They say they will call you back and they DO NOT. These people should be exposed for the scam to consumers that they are.
Product: Debt collection

XXXX XXXX XXXX is a result of identity theft. I tried fixing the issue multiple times as this complaint was marked as a duplicate and is not a duplicate. Please attach the duplicate file if deemed as a duplicate so I have for my records. I discovered through my new monitoring service this account being reported I made efforts to remove this account on my file as the amount of {$57000.00} does not belong to me. This account was fraudulently opened through this company in XX/XX/2022 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
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 : XXXXXXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXXXXXX XXXX : Account Number : XXXX Account Name XXXX XXXXXXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be 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 XXXXXX/XX/year> 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: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this account. The creditor is reporting a past due amount on a charged off account. I have advised the credit reporting agency that they are in violation and they refuse to respond to me or correct the issue.
Product: Credit reporting or other personal consumer reports

To Whom It XXXX Concern, I am writing to dispute the charge-off entry listed on my credit report. The basis for this dispute arises from the fact that I have not received a XXXX XXXX ( Cancellation of Debt ) as required by federal tax law. 

According to the Internal Revenue Service ( IRS ) regulations, a creditor is obligated to issue a Form XXXX to the debtor following the cancellation of a debt exceeding {$600.00}, as per Section XXXX of the Internal Revenue Code. This form serves as a critical document for tax reporting purposes. 

Details of the disputed item : Creditors Name : XXXX  XXXX Account Number : XXXX Date of Charge-Off : XX/XX/XXXX Creditors Name : Best Buy/ CBNA XXXXt Number : XXXX Date of Charge-Off : XX/XX/XXXX Creditors Name : XXXXXXXX XXXX XXXX Account XXXX Date of Charge-Off : XX/XX/XXXX Creditors Name : XXXX XXXX XXXX Account XXXX Date of Charge-Off : XX/XX/XXXX To comply with both IRS regulations and my rights as a consumer, I kindly request the following actions : 1 . Investigate the presence of a Form XXXX issued by the Creditor for the debt in question. 
2. Verify whether the charge-off entry on my credit report was indeed accompanied by the issuance of Form XXXX. 
3. Confirm whether the issuance of the Form XXXX was executed in accordance with the IRS regulations XXXX as required by law. 

I am determined to ensure the accuracy and completeness of my credit report, as well as to fulfill my legal obligations regarding any tax implications arising from the cancellation of debt. 

In accordance with the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) ( 2 ), I request the prompt removal of the charge-off entry from my credit report should it be determined that the issuance of Form XXXX was not compliant with the IRS regulations. 

Furthermore, I reserve my rights under both the FCRA and the IRS regulations to address any discrepancies or violations in accordance with applicable laws. 

I trust that you will handle this dispute diligently and in strict adherence to the law. Please provide written verification of the results of your investigation within the prescribed timeframe as stipulated by FCRA Section 611 ( a ) ( 8 ). 

Sincerely,
Product: Credit card or prepaid card

All charges from XXXX XXXX are FRAUD
Product: Money transfer, virtual currency, or money service

XX/XX/scrub>XXXX  I noticed My Bank Account was Withdrawn By {$11000.00}. Citibank Claims I Agreed to this Transfer ( I Have Never Wired Money in 23 Years as a Citi Customer. To an " XXXX ' in LA. 
They Refuse to Produce this Evidence of a Transcript or a Voice Conversation or Any Other Means of Verifying that I Allowed this Transfer. 
They are Blaming Me ( For Being Hacked ).- THE BANK WAS HACKED! 
This Caller Called Me on a Citibank Number ( on the Back of My Card ), They Were Reading My Whole Bank Statement. 
So at that point CITIBANK Was Already Hacked. So the Fraud Dept @ Citi Isn't Very Good at Simple Stuff? - Like an Odd Phone Call? That I Want to Wire {$11000.00} Out of My Bank Account? 
No Asking Questions?? THEY Allowed this Wire. Not Me. 
No Propocol? Who's Protecting the Money???

No Fraud Protection? No Fact Checking? - No Text?, No Call?, No email?

Just Give Away What I Make in 6 Months.- 1 Month Before XXXX? 
and They Blocked My Account- XXXX Weeks Ago, and I Still Do Not Have Access to My Account ( {$850.00} was Left in the Account for Some Reason? )
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I disputed the late charges reported on my credit reports by XXXX XXXX XXXX XXXX regarding my mortgage account. These charges were incurred while my account was in active court proceedings with legal representation in an effort to prevent foreclosure. As such, these late fees should not have been applied during this period. 

I have previously disputed this information with the credit reporting agencies, but the outcome returned was " verified and updated '' and " verified as accurate ''. However, I believe this determination is incorrect based on the legal status of my account at the time. I also have documentation to substantiate my claim, including my identification, records showing the dates when legal proceedings began, when they concluded, and my Experian Dispute Results. 

Given the circumstances, I respectfully request that the Consumer Financial Protection Bureau review my dispute and require XXXX XXXX XXXX XXXX  to remove these erroneous late charges from my credit reports. These late charges are unfairly impacting my credit standing and should not be reported as delinquencies since my account was subject to legal proceedings beyond my control. I appreciate your attention to this matter and look forward to your prompt review and response. Please let me know if additional information is required.
Product: Debt collection

ALDRIDGE P. HAAN, LLP SENT COURT GARNISHMENT ORDER TO EMPLOYER WITHOUT ANY DUE PROCESS OF LAW, ACCOUNT OUTDATED PASS 15YRS OLD NOT COLLECTIBLE EXPIRES STATUE OF LIMITATION OCGA 90-3-23 AND 9-3-25, I DO LIVE IN THE STATE OF GEORGIA LAW SUE FILED, COMPANY VIOLATES FDCPA AND FCBA
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX and XXXX XXXX and also DATAMAX CORP for their failure to comply with federal laws regarding debt validation and credit reporting accuracy. 


XX/XX/XXXX and also DATAMAX CORP has not provided proper debt validation as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I requested validation, including : 1. Evidence that they have the legal right to collect the debt.

2. A written contract or agreement signed by me that demonstrates my obligation to pay.

3. A full accounting of the alleged debt, including the original creditors name and a breakdown of the amount.

Despite my request, they have failed to provide any of these documents. 


XXXX is reporting this account as verified, yet they have not provided any evidence of a proper investigation as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. I requested that they perform a thorough reinvestigation and provide documentation to support their findings. However, no such documentation has been provided, and the debt remains on my credit report without proper substantiation. 

Applicable Legal Precedents : The U.S. Supreme Court case XXXX XXXX XXXX, 514 U.S. 291 ( 1995 ), establishes that debt collectors must comply with the FDCPA. 

In XXXX XXXX XXXX XXXX, 594 U.S. _ ( 2021 ), the Court reaffirmed the importance of accuracy in credit reporting and consumer rights to dispute inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to the three big credit bureaus XXXX, Equifax, and XXXX on XX/XX/2022 about five items in my credit report ( letter attached ) and these are the tracking numbers : Equifax : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX I got my results from XXXX and XXXX removing some items but failed to meet my request of showing proof of validation on ones they didn't as mentioned in the letter that I sent them. Equifax removed some items but failed to notify me about the verification and did not send me a credit report.
Product: Debt collection

Lockhart Morris & Montgo {$1900.00} Opened XX/XX/2022 Sent letters, no response
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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

I applied for a personal loan through my bank but the credit bureaus are stating that I have delinquent accounts when I don't. I sent all 3 bureaus a copy of my XXXX  XXXX discharge papers. So nothing should be showing under potentially negative. I only have 5 accounts open and all of them are current. I will greatly appreciate any assistance. I have been dealing with this since last year and my credit reports are still not updated correctly.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is older than 7 years from the FIRET delinquent date. However, another date is given as the original delinquent date.
Product: Mortgage

Why does BMO Harris bank only use the gross amount when determining if you're eligible for a specific loss mitigation plan during a hardship? They seem to also ONLY look at direct housing cost and what appears on your credit report. There are expenses that will not appear on a credit report, I.e. paying for someone to take care of your spouse who had a XXXX, grocery bills for a family of 6, child care payments, life insurance payments, car insurance payments, etc. It is unfair and unreasonable that BMO Harris has a process as such.

This process should be changed.
Product: Debt collection

CFPB PLEASE REVIEW IN ENTIRETY CCI has continuously tried to collect on an alleged debt that I the original creditor has not validated nor do CCI have the right to collect. I did not provide consent to CCI to house my personal information no report to the consumer reporting agencies without my consent as a federally protected consumer. 

CCI has continued to illegally communicate with me with harassing language and violations ( attached ) not in accordance with Federally protected laws. I have experienced marital issues due to the information that CCI is illegally reporting without my consent as well as inability to purchase a home due to adverse items listed on consumer reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am going through a very ugly divorce, my estranged husband joined a cult ( XXXX  XXXX XXXX ). He filed a bogus lawsuit against XXXX, XXXX, the VA, etc... .I took over making the mortgage payments in XXXX when I discovered that he was not making the payments. I reached out to XXXX and was working with their legal team to help me protect myself and the mortgage. I was advised to place a security pin on the account so that he could not call in under me when I filed for divorce in XXXX. In XXXX the XXXX Police Department XXXX team removed XXXX from the house when an order of Protection was served against him. I have made every payment on time for the past few years since I took over the payments. I schedule my payments in advance due to my extensive travel schedule. I scheduled my XX/XX/XXXX payment in advance as I usually do, on XX/XX/XXXX, I received a call from XXXX XXXX stating that my payment was not made and I told her my payment was made back in XXXX. I looked on my bank account and did not see the money withdrawn. I went back on the website and the payment had been canceled. I immediately rescheduled the payment and spoke with another representative about what I could do to protect myself. I was advised that they could not stop him from accessing the loan account online because his name is on the loan. The part that hurt the most that XXXX would go months and months without reporting my positive payments but this one incident that I had no control over was reported immediately and it affected my credit score. I reached out to them and asked them to correct this as it was not my fault. I emailed them twice and called numerous times. I opened a dispute with the credit bureaus and nothing was done. I was told to schedule my payment the day I want it to come out, to keep him from canceling. I can't do that when i am overseas or traveling. I have tried refinancing but he would have to sign the documents. My attorney is back in court with a TPRO against my estranged husband as he has did this also with my bank account. I sent this over to XXXX XXXX. The mark on my credit report will hurt me with trying to refinance as my credit has been affected. This is unfair to me as I make my payments and there is no way to help me against this man and the malicious things he is doing. I am asking for XXXX XXXX to remove the 30 day mark against my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

They got the wrong spelling of my name and wrong address and also wrong phone number the correct information that should apppear on my credit report is my name is  XXXX   XXXX   XXXX  and my address is  XXXX   XXXX   XXXX   XXXX   XXXX  maryland   XXXX and  my phone number is  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with The Fair Credit Reporting Act XXXX  XXXX XXXX XXXX Michigan Docket # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX has violated my rights. 


15 U.S.C 1681 Section 602 A States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report and saw some incorrect information. I sent letters out multiply times here are the dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and the following account was charged off as of XX/XX/XXXX. Since then the account has repeatedly been updated as charged-off every month. This is an update in the payment history which to my understanding charge-off accounts should NOT include an active payment history. Need I remind you this also falsely manipulates the statute of limitations. I am demanding deletion of the following account : Account Name : XXXX XXXX XXXXXXXX and account number : XXXX
Product: Credit reporting or other personal consumer reports

Filed several disputes to remove accounts that are paid and closed, one that is reporting a false balance, and upstart does not belong to me.These accounts have negatively impacted my report. Please have them removed. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$250.00} Status Closed. 
XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$1500.00} XXXX Account charged off. {$2700.00} written off. {$1500.00} past due as of XX/XX/XXXX. 
XXXX XXXX  XXXX negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX XXXX. 
Potentially negative Date opened XX/XX/XXXX XXXX {$0.00} XXXX Account charged off. {$3800.00} written off.
Product: Credit reporting, credit repair services, or other personal consumer reports

These credits were not made by me. I didn't not authorize these charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent FOUR LETTERS previous letters to you, all by certified mail requesting that you remove inaccurate information from my file and you have failed to do so.Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous letters ( all sent by certified mail ) stated my reasons for an investigation and these reasons were not frivolous in any way. If this final request does not prompt you to conduct a proper investigation of these accounts in question, and send proof to me of said investigation, I will file a civil suit in my county for damages and you can travel to defend yourself.