23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have been fighting a fraudulent mortgage situation for over 4 years now. Original lender claims to have sold the loan in XX/XX/XXXX. Caliber Home Loans claims to be the new servicer. Servicing transfer took place in XX/XX/XXXX. Caliber began sending me monthly statements in XX/XX/XXXX. Prior to the loan being sold, original lender filed a foreclosure action against me, which I contested and it is now sitting dead in the courts. Caliber has taken NO legal action regarding this account, and I have confirmed this by speaking with Caliber 's claimed attorney and also by checking routinely with my court clerk 's office. In other words, the " foreclosure '' status of this account has always been the same since before Caliber began contacting me. I have many disputes with Caliber, but Caliber has either ignored my disputes completely or has responded by answering questions that I have never asked. 
Caliber stopped sending me monthly statements after XX/XX/XXXX, and when I have asked about this, Caliber states to me that they can not send me a statement because they claim to be actively foreclosing on me. Again, I have spoken to Caliber 's own attorney, and have confirmed that Caliber has not taken ANY action against me whatsoever. I mentioned Regulation Z to Caliber, and how it requires them to provide monthly statements regardless of foreclosure status, because foreclosure status is not listed in the law as an exemption. The loan is a conventional loan, so the statute applies. I have not filed bankruptcy, and Caliber is not a small mortgage servicer under the law 's definition. Caliber refuses to provide me with monthly statements. I did just receive an " informational statement '' which appears to be what is provided when the consumer has filed bankruptcy, but again, we have not filed BK. This statement does not include much of the information that Regulation Z requires servicers to report to the consumer on periodic statements. I called Caliber today to ask about this, and was told that the statement was generated due to a payment that was made on the account. I did not make the payment they are claiming. I am concerned about the lack of monthly statements because Caliber has shown a pattern of adding fees and charges to this loan that are not legal, and without the monthly statements, I can not keep track of what is happening on that front. Caliber also has a history with me of changing their story on a constant basis, so that information provided today contradicts Caliber 's own earlier provided info. 

I am in the process of trying to resolve several other disputes with Caliber, but at this time, I am only disputing the issue of the monthly statements here with the CFPB. Caliber is required to provide this documentation to me in accordance with Regulation Z, as amended in XX/XX/XXXX, and is refusing to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT ACCOUNT NAME : XXXX  XXXX XXXX LATE PAYMENTS Credit usage - % credit usage unavailable Balance - Balance updated - Credit limit {$200.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Credit card Payment summary XXXX XXXX XXXX - XXXX - XX/XX/XXXX- XXXX XXXX - XX/XX/XXXX - XX/XX/XXXX- XXXX XXXX - XXXX - - XXXX - - XXXX - - XXXX - XXXX - PAYMENT HISTORY LEGEND Status Paid, Closed. 
Status updated XX/XX/XXXX Highest balance $ XXXX  Monthly payment - Last payment date XX/XX/XXXX Additional info Responsibility Individual Terms - Company sold - Original creditor - Comments Account closed at credit grantor 's request Your statement - Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Phone number ( XXXX ) XXXX 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt. 

As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 

PS! 
THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD PAYING JOB OR EVEN A LOAN OR CREDIT CARD! I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE CREDIT BUREAUS AND ALL COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY!
Product: Debt collection

I paid the debt that I owed to collections for Eastern Account System on XX/XX/2024. After failing to update information to the credit bureau, I filed a dispute with XXXX. I sent proof- receipt of payment as well as a bank statement. 
The collection was originally cleared, and as of today, they have placed the collection BACK ON my report, saying it was never paid in full. 
I have tried contacting the collection agency, and no help or direct answer was given. 
I have been working on improving my credit for the last FOUR years, and this has really made it difficult for me to better the lives of me & my children.
Product: Credit card

Someone at Wells Fargo opened up a credit card under my name with a XXXX limit at 29 % interest. It was sent to an address that I lived at XXXX houses ago. I know for a fact that nobody in my house opened it under my name.
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , XXXXXXXX XXXX XXXXXXXX agency as well as XXXX credit reporting agency block information appearing on my consumer credit report that is the result of identity theft, a databreach and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened At : ACCOUNTS : XXXX  XXXX XXXX XXXXXXXX opened on XX/XX/XXXX, XXXX XXXX XXXX XXXX OPENED ON XX/XX/XXXX, XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question HERE : XXXX XXXX XXXX XXXX ON XX/XX/XXXX. XX/XX/XXXX, AND XX/XX/XXXX, as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX, as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

According to the XXXX Website there is an outstanding balance of {$9900.00} in student loans. Previously 4 accounts consolidated into one. After applying for loan forgiveness. All loans were removed from the servicer, my credit report and federal student loans sites. I have proof of this, happening XX/XX/2022. In XXXX of 2022, loans reappeared on all sites. Resulting in a huge drop of my credit score ( down XXXX points ). The consolidated loan in the amount of {$9900.00} remains on my credit score. It also appears as current balance with XXXX. I have requested explanation of this from the federal student loan department, as well as XXXX with no response. I do not feel this was acceptable. I received email that all loans had been forgiven and have screenshots from federalstudentaid stating You currents do not have any federal loans or grants
Product: Credit card

My Credit cards were closed by Bank of America on XX/XX/2023. I cant collect my cash rewards from my account. Its about {$380.00}. I keep call BoA but their associates only said I cant get any rewards because of closure. 
Its unfair for me that the closure without any notice. I used the credit card to collect cash rewards and now BoA stole it.
Product: Payday loan, title loan, personal loan, or advance loan

On XXXX XX/XX/XXXX  I paid XXXX dollars to Republic Finance. I asked for my receipt to be mailed to meshowing the amount paid on the XXXX and the balanced of what is owed. I have called numerous times and they think it's a joke. They keep telling me it's in the mail, but from the XXXX  of XXXX when I paid the XXXX, until now, I haven't received my receipt. When I speak with them they think it's funny. It does not take that long to get a receipt to me in the mail. It is my belief that they are upset because I filed a complaint against them before, and they are refusing to give me a receipt. It has never taken them this long before. I usually get a receipt 2 days after I make my payment. It shows that the money was debited from my account on the XXXX of XXXX.
Product: Mortgage

I am a cosigner on the loan for my daughter. She was behind on her payments. I contacted Selene finance and got the dollar amount to bring her loan current with nothing owed for late charges or current month. I set up automatic payment for this mortgage. Shortly after this began I noticed an additional fee called " advance charges '' I have made three requests for Selene finance to describe to me what advanced charges are. The company has absolutely refused to give me an explanation for this. Their refusal came in the form of telling me I don't know I'll have to look into it. They have never sent me a description for these charges.
Product: Money transfer, virtual currency, or money service

I made a cash transfer of {$72.00} from my XXXX XXXX account here in XXXX on Sunday XXXX XXXX to my friends Amex Bluebird account through XXXX.. not knowing at either end that Bluebird had recently changed their tranaction policies & no longer acceptanced funds from non government & pre-linked accounts. Transferwise completed the currency exchange, & sent the cash to Bluebird, completing it on XX/XX/XXXX. They've supplied the transaction receipt with routing number & transaction reference codes, verifying its completion. Bluebird were contacted, & instead of bouncing the funds back to XXXX they have left us in the dark as to when the money will be refunded to myself/XXXX.. IF AT ALL!!! They at first denied even having the funds, then after speaking to a " supervisor '' they admitted to having the funds but after requesting a reversal of the transaction, THEY SAID THEY COULDNT HELP US! This is after multiple phone calls mind you, multiple hang ups from their end, rude customer service reps who could barely speak English & gave multiple stories as you where the money is & what will happen to it. This is absolute unacceptable & REVOLTING business practice. Ive now read 100+ complaints about Bluebird holding, & subsequently stealing customers funds with said customers left out of pocket & with no further lines of action to take as Bluebird either lie or basically say they wont help. I want my money back. Surely this is illegal practices!!
Product: Credit reporting, credit repair services, or other personal consumer reports

singed up for a Chase credit card in order to receive discount on a purchase on XX/XX/2020 through Amazon. Did not intent to use card I just signed up for card to get discount. I intended to use existing debit card on file. Since I did not activate the card I thought I was paying with debit. Purchase went through on new chase card and I did not realize. I thought I needed to activate card in order to make purchases. Chase reported me to the credit reporting agencies and has damaged my credit. Chase refused to issue letter to reporting companies.
Product: Student loan

As of XXXX XXXX, 2017 my consolidated student loans were transferred without any advance notice from XXXX to Nelnet. Prior to the transfer I had a income based repayment plan to which I was paying {$150.00} per month and my loan balance was at or near {$46000.00}. After I received notification from Nelnet they were the new servicer of the loan my payments subsequently went up to {$210.00} per month and my total student loan balance was over {$47000.00}. When I reached out to Nelnet via phone to get answers I was told they had limited information as XXXX had not transferred all of my history and loan information over. I have made consistent and timely payments and I had yet to reach the first 2 year period of my income based repayment plan. I feel is if I am being gauged by Nelnet and as if they had added fees and surcharges to my account inaccurately.
Product: Credit reporting or other personal consumer reports

Can you check the documents? Some of these inquiries are inaccurate and I want it removed.
Product: Debt collection

On XX/XX/2021, I mailed WELLS FARGO a Cease and Desist notice pursuant to 15 U.S. Code 1692c ( c ) that they have not responded to. On XX/XX/XXXX, I mailed WELLS FARGO a Debt Validation letter pursuant to 15 U.S. Code 1692g that they have not responded to. On XX/XX/2021, I mailed WELLS FARGO a notarized Affidavit of Truth that they have not responded to. I have sent all of these letters through U.S. Postal Service Certified Mail. WELLS FARGO is being knowing and willfully noncompliant with federal law. 

On XX/XX/2021 at XXXX I called WELLS FARGO executive offices to respond to the " Final Response '' letter that was sent in response to the complaint I filed with the CFPB. I spoke with an agent named XXXX of WELLS FARGO executive office who stated that someone named XXXX is the person who sent the letter but the signee of the letter is named XXXX XXXX WELLS FARGO is clearly sending misleading and deceptive forms pursuant to 15 U.S. Code 1692j. 

The agent named XXXX stated that WELLS FARGO has been assigned to this contract, and that my contract is with XXXX  XXXX XXXX. Federal law speaks about the liability of assignees. Pursuant to 15 U.S. Code 1641, WELLS FARGO is EQUALLY liable for these violations. 

On XX/XX/2021, I received a letter dated XX/XX/2021 that if no payment is made by XX/XX/2021, WELLS FARGO may repossess my vehicle. Because WELLS FARGO has not responded to my Debt Validation letter, they are in violation of my consumer rights for not allowing me to verify such alleged debt. 

A response letter titled " Final Response '' from WELLS FARGO to a previous complaint I filed to the CFPB, WELLS FARGO states that my cease and desist will remain in effect under my account until I remove. Which means they will be in violation of my Cease and Desist for communication with me through third parties, in other words any attempt to repossess my property. 

In addition to that, WELLS FARGO is still trying to collect this alleged debt from me by sending me the repossession letter dated XX/XX/2021 which is a form of communication trying to collect a debt. WELLS FARGO continues to violate my consumer rights and is being knowingly and willfully non compliant with federal law by continuing to communicate with me in regards to an alleged debt violating the Cease and Desist notice that has been put in place. 

The definition of " communication '' pursuant to 15 U.S. Code 1692a ( 2 ) means the conveying of information regarding a debt directly or indirectly to any person through any medium. 

WELLS FARGO has received my documents, and has chosen to be silent and continues to be non compliant with federal law. WELLS FARGO MUST comply with federal law and allow me to exercise my rights as a consumer to validate this alleged debt! WELLS FARGO can not collect ANY debt until such debt is verified by the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed for bankruptcy on XX/XX/18, I was told not to pay XXXX XXXX auto loan during the bankruptcy process until we were notified if the reaffirmation would be accepted with XXXX XXXX. I never received any documentation or information from XXXX XXXX bankruptcy dept nor did my attorney so four months passed & on XXXX of 2018 my bankruptcy was discharged. I Called XXXX XXXX to get information as what to do with my auto loan weather to surrender the vehicle or continue the payments beginning XXXX of 2018, I was informed I could keep the vehicle & that my payments would remain the same so I began making my payments on XX/XX/2018 as detailed on the transaction history page 1/1. I made my payments at the branch monthly through XX/XX/2018. When the month of XX/XX/2018 began my vehicle was repossessed I couldnt understand why I had made my payments every month after my bankruptcy discharge date I was at a loss, when I inquired I was told that I owed for the months of XXXX thru XXXX of 2018 I explained that I was informed by my attorney & there bankruptcy dept that no payments are due during the bankruptcy process until the discharge is complete and a reaffirmation has been accepted by both parties. Nonetheless my credit report shows no information during the months of XXXX, XXXX, XXXX, XX/XX/2018 because I was in bankruptcy & my credit file shows no payments made for XXXX thru XX/XX/2018 which is false the transaction history shows my payments received
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

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

today i saw on my credit report inquiries that i did not make. This was done due to identity theft. XXXX, XXXX XXXX, 2 XXXX Inquieries.
Product: Credit reporting or other personal consumer reports

( Old ) XXXX accounts with Capital One from a previous XXXX  in XXXX. I was contacted by a capital one representative and they verbally assured me that the inaccurate reporting will come off XX/XX/XXXX. Its almost XX/XX/XXXX and its still on my credit report. Remove the XXXX accounts at XXXX.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report enclosed with this correspondence. By 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : XXXX XXXX XXXX  Account XXXX The XXXX XXXX breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. 

XXXX XXXX XXXX  Account XXXX The XXXX XXXX breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. 

XXXX Account XXXX XXXX XXXX data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. 

XXXXXXXX XXXX XXXX XXXXXXXX Account XXXX " I am writing to dispute the late payment reported on my credit report. The late payment listed is inaccurate as I have consistently made payments on time. I request that this information be verified with proper documentation. If you can not verify the accuracy of this information, I request that you remove it from my credit report immediately. " XXXX XXXX  Account XXXX Please send me the documents that prove that I was late. If you can't prove that you have proof, you need to remove these late remarks.
Product: Checking or savings account

All of my checking accounts, IRA accounts, and savings accounts were locked because Ally Bank says they are verifying my check deposits my checks were already held for the 3 business days before they deposited but then after that my accounts were flagged and I can no longer access online banking. All of my money is in these accounts and now I have no way of paying for anything. How am I going to get to work? Please please please expedite this investigation. Its creating a hardship for me as a XXXX veteran.