23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I am attempting to extend a COVID-19 forbearance on a VA backed mortgage that is being serviced by Caliber Home Loans. I attempted to request an extension through their online website and received a message that they were unable to process my request and that I would need to call their phone number. I have previously notified Caliber Home Loans that I am unable to speak to them on the phone due to a XXXX that impacts my XXXX  abilities, and requested that any communications between us be by secure message, email, or postal service. I also asked them to suspend collection calls, and they have not honored that request, calling my phone after I submitted that request, sometimes multiple times a day. 
I sent a secure message to them asking as to the status of my request on XX/XX/XXXX and have yet to receive a response. I also reminded them of my prior requests to communicate by written means. I have not yet received a response to my concerns, although the automated reply said to expect a reply within five business days. 
In my previous communications with Caliber I feel that I have explained my need for reasonable accommodations very well. Caliber has not shown any willingness to work with me on this issue, or even meet me halfway. It is my intention to stay in my home, this being my primary residence and this lack of communication on the part of Caliber Home Loans is exacerbating an already difficult situation. I have also explained that I am working with a person at the VA who can act as an intermediary between myself and Caliber Home Loans, and provided her contact information to them. They have been unresponsive to her as well. Considering that I am at risk of foreclosure and attempting to do a loan modification, which is a very involved process that necessitates communication between both parties, I am concerned by the lack of communication on the part of Caliber Home Loans, and especially that they are not respecting my requested method of communication. I am asking the CFPB to assist me in reaching a resolution to this issue.
Product: Credit reporting or other personal consumer reports

XX/XX/2023 After looking at my credit report, I noticed You are reporting irrelevant outdated information. 
My only address is XXXX XXXX XXXX XXXX XXXX, Tx XXXX. 

My only name is XXXX XXXX XXXX Please remove any other address you Are reporting on my credit report as it is Not accurate relevant data. 

Due to recent find of identity theft I fear this false reporting address my also have affect on my identity being compromised. 


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

In accordance with the Fair Credit Reporting act. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Inquiries : XXXX XXXX XXXX  Bank Credit Cards XX/XX/XXXX Experian XXXX XXXX XXXXXXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX All Banks XX/XX/XXXX Experian XXXX Personal Loan Companies XX/XX/XXXX Experian XXXX Personal Loan Companies XX/XX/XXXX XXXX XXXX XXXX Credit Unions XX/XX/XXXX XXXX XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX Experian XXXX Sales Financing XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX Experian XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX Experian XXXX XXXX Miscellaneous Finance XX/XX/XXXX XXXX 15 U.S.C. section 602 A states that i have the right to privacy.

15 U.S.C. section 604 A section 2 : it also states a consumer reporting agency can not furnish an 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 or other personal consumer reports

I recently viewed a copy of my credit report and noticed I have fraudulent accounts on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX FAILED TO FURNISH US A LIEN RELEASE FOR SAID PROPERTY AND MUST NOW CEASE ALL CREDIT REPORTING AT ONCE.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent a letter regarding inaccurate and unknown items on my credit report. Their response is 30 days late, and I have not received a response yet. Please remove these items from my credit report that were originally disputed with the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent 2 letters to Chexsystems regarding inaccurate information on my chexsystems report and they have failed each time to validate the disputed information in regards to federal laws. The first letter i sent was on XX/XX/2020. The second letter i sent was on XX/XX/2020. Both letters sent by certified mail. The only information i get back from Chexsystems is a letter that says the information I am disputing is valid and accurate but how was that validated when i wasnt sent/given any information to prove the validity of the disputed accounts. I was not sent any form or document showing the original form of indebteness bearing my written signature. I wasn't sent any form or document telling me that i opened the account bearing my signature. Verbal and digital authorization doesn't prove validation only a written signature. I'm requesting that because Chexsystems has failed multiple times to validate the disputed accounts that they be removed from my Chexsystems report immediately as they have failed to validate within 30 days of receiving my letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just recently reviewed my profile and Im very upset with the result that I have received. May I know how you contacted the creditor for me to know the reasonable procedure you take to determine my disputes are VERIFIED AS CORRECT information? Did the Furnisher confirm that the information posted in my file is correct? I never received any notice from these companies that my dispute is truly mine or correct. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

Please verify these accounts in my file : XXXX XXXXXXXX Balance : {$2000.00} XXXX XXXX XXXX Balance : {$34000.00}
Product: Debt collection

I disputed the information with XXXX XXXX to have I C SYSTEM INC removed FROM MY report because it is overXXXX years old and was charged off by the original creditor XXXX many years ago. but they claim it was validated which I find unlikely. The collection company is a third party that is trying to collect a debt that XXXX charged off many years ago the account is from XXXX it is over 7 years and because it was XXXX it became a certificate of indebtedness which is income that can not be reported. under the Federal Fair Credit Reporting Act they must remove negative information over XXXX XXXX XXXX. The account is from XXXX It is being falsely reported with the wrong dates. On XX/XX/XXXX XXXX XXXX sent me the report of their investigation which clearly shows the inaccurate dates and that it was sold to third party after being discharged.Not only that XXXX removed it and it shows I have no collections. I got all three reports and only XXXX XXXX and XXXX say they validated it.I also called XXXX because I got a letter saying my private information which was my ss number was leaked on the dark web from XXXX. I wanted to know why they even had my private information because I have not had a valid contract with them XXXX I wanted to opt out revoke any permission they may assumed they have regarding my private information but XXXX said they couldn't find any information of my account. So why did I get a letter from them.Is it a law that they are supposed provide me with opt out options every 30 days if they are still using my private information without my permission. This inaccurate information being reported is preventing me from being able to attain the credit I need to. I can't even opt out with XXXX because they are using my information illegally without my permission and denying me the option to opt out of them using my info,
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXXXXXX XXXX now.with no help.
Product: Debt collection

XXXX, XXXX XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX AARGON COLLECTION AGEN XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious AARGON COLLECTION AGEN XXXX I have report your company to XXXX As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Litigation, Case No. XXXX, in the XXXX XXXX XXXX for the XXXX XXXX XXXX California XXXX collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX CT, XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account # XXXX, XXXX  XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # : XXXX, XXXX XXXX XXXX Account # : XXXX, XXXX  XXXX Account # : XXXX, XXXX Account # : XXXX, XXXX XXXX XXXX  Account # : XXXX, Account # : XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX, XXXX XXXX XXXX ( Original Creditor : 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 or other personal consumer reports

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 
XXXX XXXX Balance Owed : {$610.00} XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

A place in XXXX Illinois called courtesy loans close their doors one day on a Friday. They were bought out by world finance. Courtesy loans never sent their customers any kind of paperwork who bought the company they didn't send me or anybody else anything and we had no idea who to pay the loans off to couldn't get a hold of anybody cuz the place closed their doors courtesy loans did and all the sudden it pops up on my credit report well I've told XXXX XXXX and XXXX about it I have sent disputes I have done all that and nothing changes but it still has drug my credit score down and I didn't even know who to pay or anything until it was already too late They already had they were already on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I sent a letter to Trans Union, asking them to investigate errors on my credit report. They were supposed to respond in 30 days, but they have taken longer than that.
Product: Mortgage

I contacted PNC Bank last month and set up 3 payments to get caught up and it was fine - everything was fine. Then PNC canceled the payments without telling me. They called me backed but did not leave a message. Then sent a demand letter this was weeks later. Then when I tried to call to send the payment they refused to take it. Now I have more fees and it is so unnecessary when I had set up to pay it in the first place and PNC is the one that canceled the payments - The loan is demanded for XX/XX/XXXX but they wont take the payment they agreed to take. It is not right and I don't know what to do I would like to pay what I owe in the payments like we agreed
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate complaint. This complaint is being submitted by XXXX XXXX, consumer and natural person. Please see attached identification. The following items listed on consumer report number XXXX, are a direct result of identity theft. XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX, XXXX FED XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX Please see attached identity theft report. You shall block the reporting of this information in the consumer file of XXXX XXXX, not later than four ( 4 ) business days after receiving this notice.
Product: Mortgage

I was approved for a line of credit on  XX/XX/XXXX  and closed on   XX/XX/XXXX . I t ook {$20000.00} to pay student loans and no other monies were to be disbursed. I never used the line of credit money and have been paying on it since. I received a letter saying my payments will be going up to {$840.00} in  XX/XX/XXXX . That is how I found out that this money had been taken years ago. I reached out to Bank of America ( BoA ) and received a letter saying that an ATM card had been issued on that account in my name 13 days prior to closing on  XX/XX/XXXX  and used to withdraw {$75000.00} on  XX/XX/XXXX . The letter also states that debit cards are mailed within two business days but this was not the case. I would have finished paying off the {$20000.00} by now but now BoA is expecting me to be responsible for the other {$75000.00} that was stolen. The house is only worth half of that and I ca n't even sell it to pay off the loan.
I reached out to BoA but they have n't been very cooperative. Fraud has been committed against me and I need them to send me copies of documents.
1 ) I need a complete copy of the original closing documents including the 3 day right to rescission form 2 ) Who ordered the debit card on  XX/XX/XXXX  before account was opened 3 ) Who authorized/signed off on the {$75000.00} withdrawal. I was told that money is n't available that quickly I would like this information as soon as possible so I can proceed.
Thank you for your assistance.
Product: Credit reporting or other personal consumer reports

The existence of these unauthorized accounts and inquiries has caused me significant anxiety regarding my financial well-being. It is essential that my credit report accurately reflects my financial history, as it informs potential lenders of my financial management practices. Therefore, I am requesting an immediate investigation and prompt removal of the following inaccuracies and unauthorized accounts. 

XXXX XXXX - XXXX - {$810.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX - XXXX - {$900.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$510.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX {$4400.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX XXXX - {$8900.00} XXXX XXXX XXXX - {$0.00} XXXX XXXX XXXX XXXX - {$2300.00} XXXXXXXX XXXX XXXX XXXX - {$5800.00} XXXX XXXX XXXX - {$4400.00} XXXX XXXX XXXX - {$900.00} XXXX XXXX XXXX XXXX - {$1200.00} XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXXXX/XX/year> XXXX - XX/XX/year>
Product: Payday loan, title loan, personal loan, or advance loan

This is information I received from the collection agency, Access XXXX XXXX : A checking account was opened under my name through XXXX XXXX Bank. An account was then opened through Flex Shopper LLC ( also known as XXXX XXXX XXXX ). Repairs were made to a vehicle with the Flex Shopper financing. Installment payments were never made. The company is collecting, on behalf of XXXX XXXX, {$3500.00}. The account was opened XX/XX/XXXX. 

This is information I received from XXXX : An account was opened XX/XX/XXXX ( presumably the date the collection began ). The first date of delinquency reported was XX/XX/XXXX. 

I have not opened either account. I have never received any correspondence from either company. This is fraud.
Product: Mortgage

Unnecessarily corporate fees. 
Nation Star Mortgage charges me for Attorney fees, and many other fees while my house was under contract for sale. In all the fees are total nearly {$7000.00}, and I gave Nation Star Mortgage the opportunity to resolved the matter ; however, I kept running to a wall. The property was closed on XXXX XXXX 2015, and did not go to Foreclosure.
Product: Credit reporting or other personal consumer reports

In accordance with the fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Account info Account number XXXX is showing a late payment on XX/XX/2019. I have told experican this is not correct. They gave refused to correct this after I sent them proof.
Product: Checking or savings account

On Wednesday XX/XX/XXXX I contacted Capital One regarding my deposit not being posted to my account. The only thing I was told was to check back after XXXX XXXX  Eastern time and my deposit should be there. If not to call back. I then called back XXXX EST and now they are saying my deposit should be there by end of business day, but they're not giving us a response on what exactly is causing this issue with accounts.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. 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 to be removed/updated. 

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 XXXX  days before the payment due date. 

I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!