23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We started having issues paying our mortgage online in XXXX of XXXX. In XXXX my payment was reversed, which I was not aware of until the end of the month. I had seen it pend in my account and assumed it was processed as it always has for the last 4+ years since no account or banking information had changed. When I called to inquire why my account was showing past due, I was told to contact my bank since they reversed the payment due to not locating the account. The lady I spoke with told me they would put a hold on my account while we sort this out so that I wouldnt incur late fees or get sent to collections, that was a lie. 
When I reached out to my bank, they showed no record of this. I did find somehow my account numbers had been changed on Calibers end to a number I did not change it to or recognize. After updating the account information to the correct numbers, I attempted to make a payment again with my checking account as I always have and it pended again, but, this time I watched it and saw Caliber showed it reversed again even with accurate routing and account numbers. I then tried paying with my debit card. I saw this money removed from my account so assumed the issue was resolved. When I logged on to find tax paperwork and make a payment, I saw that Caliber shows this as reversed again, however, this money was still missing out of our account. I had to work with my banks fraud department to get this money back since Caliber couldn't tell me where it went. I've tried making 7 payments in the last 4 months and only two have applied. Twice my money has gone missing even when shown " reversed ''. Their website is also misleading. When I log on it does not show the accurate information on payments or how many are missing. It currently shows we are only missing 1 payment from XXXX when I believe we are technically missing 2 at this point since it's been 5 months now and only 2 ( hopefully 3 ) have actually processed. The 2 that have processed were paid in the same way I have attempted to pay 5 times, which is the way we made payments the last 4+ years.

Caliber has made no effort to help resolve this issue. I've tried their service line, I submitted necessary documents for an " account review '' which was 8+ weeks ago and I've heard nothing from Caliber. I've even tried going to a physical location, but no one was there and they won't return my messages. This is an issue on their end that they won't help us resolve, instead they have sent us to collections and threaten foreclosure when we have been trying everything on our end to make these payments.
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. 

Account name : XXXX XXXXXXXX Account number : XXXX Account name : XXXX XXXXXXXX XXXX  Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXXXXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( FCRA ), as outlined in 15 USC 1681 section 602, establishes the importance of consumer reporting agencies like XXXX, TransUnion, and XXXX conducting their substantial responsibilities with fairness, impartiality, and respect for consumer privacy. Under 15 USC 6801, it is mandated that financial institutions maintain an ongoing duty to honor customer privacy and secure sensitive personal information. As such, XXXX XXXX, categorized as a financial institution, is bound by these provisions. Specifically, 15 USC 1681 section 604 allows consumer reports to be furnished solely with the consumer 's written permission. 
However, I have not provided XXXX XXXX or the mentioned consumer reporting agencies with my consent, in any form, to share my information. Furthermore, under 15 USC 6802, a financial institution is prohibited from disclosing personal information to unrelated third parties without informing the consumer of their right to prevent such disclosure. I was not made aware of this right by XXXXXXXX XXXX 

Moreover, 15 USC 1681C ( a ) ( 5 ) restricts consumer reporting agencies from including certain negative information older than seven years in their reports. Any reporting of such outdated adverse information by these agencies without my consent is a violation of the FCRA. Additionally, 15 U.S. Code 1681s2 ( A ) ( 1 ) prohibits the dissemination of information by any entity if there is knowledge or reasonable belief that the information is incorrect.

Consumer reporting agencies are required by 15 U.S. Code 1681e to establish adequate procedures to prevent violations of section 1681c and ensure that consumer reports are only used for authorized purposes. Failure to maintain these procedures by XXXX, Transunion and XXXX would be non-compliant with the FCRA. Lastly, as per 12 CFR 1016.7, I am entitled to opt out of such reporting services at any time, which I am hereby exercising.
Product: Credit reporting

This company has been reported as removed and with in the week the same account was placed back without contacting me and not properly reporting account that I have no knowledge of. For this account to be removed from my report and sent back to the original creditor for the account. As for this is a account that I have no knowledge of. 
That they cease all collection efforts and be removed from my report because I 'm planning to apply for [ a mortgage/auto loan/etc. ], and it 's come to my attention that the missed payment on my record could hurt my ability to qualify. I truly believe that it does n't reflect my creditworthiness and commitment to repaying my debts. It would help me immensely to be removed. 
Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I want to inform you that You violated my right as a consumers! Please be awaare that ONLY fair and accurate reporting is necessary for the financial system to function! When you reports inaccurate and unfair credit reporting information, it undermines the public confidence pursuant to 15 USC 1681 ( 1 ). 

Please be adviised that YOU have assume a vital role in evaluating my Credit report, you have also make sure that you respect my right to privacy! Since I resarve the right to privacy you shall not report any transactions or experience between myself and the person making the report at XXXX The only way communication ammounts other with common ownership it must be clearly and CONSPICOUSLY disclosed to me. Youre reporting information on without no proof or investiigation prior to these items being reported on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a mortgage with my XXXX XXXX. They ran my credit ( which I authorized ) and then I received no less then 45 solicitation calls from other mortgage lenders directly on my cell phone. I have asked several to stop calling but can't get to all of them.
Product: Vehicle loan or lease

I leased a Vehicle XX/XX/year> For a set amount. Lease was approved and set XX/XX/year>. I then received a credit alert. That the dealership ran my credit again for a larger amount with out my permission on XX/XX/year>. For a different Amount.
Product: Debt collection

I checked my credit report and I notice some unauthorized accounts and inquires I proceeded to contact the credit report agencies that was reporting the negative and false information but they did not remove the negative accounts and inquires.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the information on my credit report for date opened and they will not change it. The date that they have listed is the day they bought the past due balance from XXXX XXXX XXXX. By law the date opened is the date XXXX opened the account. If the date was made correct it would be past time to be off all my credit reports. Also i would like them to provide me with a copy of the contract of original loan from XXXX XXXX XXXX.
Product: Mortgage

On XX/XX/XXXX at XXXX I talked with the customer service agent XXXX from Planet Home Lending about the process of authorization on my late father 's mortgage. Since I am the only and universal heir, I am the person that wants to assume the loan since the house is mine by the law. During the call I requested the status of the authorization documents I sent on XX/XX/XXXX to Planet Home Lending at their request. XXXX XXXX said that in order to be authorized I had to submit the home insurance in my name. I sent on the package the said document, but in the name of the state of XXXX XXXX XXXX XXXX ( my father ) since the loan is his still at the moment. The customer service agent said that it had to have my name even if the law of XXXX XXXX about heirship says otherwise. They are requiring something that can not be done by law here. However, she still claims Planet Home Lending requires my name on the document. 

The document says XXXX XXXX XXXX XXXX XXXX XXXX, which is me. They have the documents that shows I'm the said heir. However, they won't allow me to be authorized. Since they don't allow me to be authorized due to a document and a situation that is out of my control, they are refusing to give me information that I require about the loan, such as monthly payments information, escrow, and others. Also, I requested a change of the postal address since I don't have access to it. They know this information since I've submitted a mortagage request on XX/XX/XXXX and a mortgage error letter on XX/XX/XXXX. It is important to highlight that I DO NOT receive ANY LETTERS related to the loan. So I don't get the monthly statements and haven'g gotten any AT ALL. 

I've been denied having access to my fathers loan, a loan that I am responsible of. I've been trying to be diligent about the matter, but Planet Home Lending wont let me assume the loan and make such changes. Then they send the same letter over and over again asking for documents they already have, and even ask for a document that can not be changed due to the law. They are asking for something that can not be done. They are going against the law and they are violating my own rights as the owner of the property, as a heir and as the person that wants to be responsible and comply with a responsability. 

I haven't been able to : 1. make payments 2. obtain information 3. change postal address 4. obtain letters and statements related to the loan 5. access their portal to see the loan 6. take the responsability of the loan
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX, I discovered multiple unauthorized inquiries and inaccurate collection accounts on my credit report. These entries were made without my knowledge or consent, and they violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ) and 15 U.S.C. 1681s-2.

# # # Unauthorized Inquiries : Under 15 U.S.C. 1681b ( c ), a consumer reporting agency may only furnish a consumer report with the explicit authorization of the consumer. The following inquiries were made without my authorization : Unauthorized Inquiries : 1. XXXX Date of Inquiry : XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXXXXXX Date of Inquiry : XX/XX/XXXX XXXX. XXXX Date of Inquiry : XX/XX/XXXX These inquiries were unauthorized and are negatively affecting my credit score. I have contacted the companies responsible, and they have no record of any authorization from me. This violates the FCRA, and I am requesting immediate removal of these inquiries from my credit report.

# # # Inaccurate Collection Accounts : In addition to unauthorized inquiries, there are several collection accounts on my credit report that are inaccurately reported. Under 15 U.S.C. 1681s-2 ( b ), furnishers of information are required to ensure the accuracy of the information provided. However, these collection accounts have been paid in full or are inaccurately reported and are damaging to my credit : Fraudulent Accounts in Collection : 1 ) XXXX XXXX  Account Number : XXXX XXXX ) XXXX XXXX XXXX  Account Number : XXXX Despite providing all the necessary documentation and complying with the required procedures, the credit reporting agencies have failed to remove the fraudulent items within the legal time frame. These errors have negatively impacted my credit score and have created undue hardship for me. 

I am seeking your assistance to ensure that these fraudulent items are permanently removed from my credit report and that the credit reporting agencies comply with the obligations set forth by the Fair Credit Reporting Act ( FCRA ). 

This description provides the CFPB with the details they need to address your dispute. Make sure to adjust the placeholder fields like dates and amounts to match your specific situation. Let me know if you need further modifications!
Product: Debt collection

Upon reviewing the contents of my consumer report, I noticed that I C SYSTEM INC. and I C SYSTEMS COLLECTIONS have a negative account listed in the amount of {$550.00}. This company is in complete non-compliance of state and federal debt collection laws. This company had to notify me about certain things pertaining to this debt once it was acquired from the original creditor and before they reported it to the credit bureaus such as : the identity of the original creditor, an itemized accounting of the debt and if they don't have this information they can not comply with state and federal regulations therefore can not LEGALLY make attempts to collect the debt. I C Systems INC was also obligated to disclose the amount of the debt when the original creditor sent it to collections, the amount of interest accrued since the debt was sent to collections, the amount of fees and other charges added since the acquisition of the debt if any, a statement describing how the debt collector acquired the debt from the original creditor, and if applicable any payments made by the debtor since debt was sent into collection. On my consumer report it states that the debt was placed for collection in XX/XX/2022 but according to the payment history, the debt was placed for collection in XX/XX/2022 making the information provided to the CRA 's inaccurate. On my consumer report under " Type '' it states " XXXX XXXX ''. According to state and federal debt collection laws it is ILLEGAL for a debt collection agency to pretend as if they are attorneys in an attempt to intimidate the consumer into paying the debt. 
Furthermore, this company did not CONSPICUOUSLY disclose on the statute of limitations regarding this debt. I C Solutions INC has an obligation to be aware of the statute of limitations of any debt they attempt to collect on. I was not notified that the statute of limitations expired, I was not notified that it is a violation of the FDCPA to sue to collect a debt for which the statute of limitations expired, I was not notified that I do not have to admit to owing the debt or give up rights regarding the statute of limitations, I was not notified that if I admit to owing the debt or promise to pay the debt, the statute of limitations will restart. 
I have received NONE of the information listed above, had I not pulled my credit reports from the credit bureaus I would have had NO KNOWLEDGE whatsoever that this debt even existed. I am accepting no other action but a DELETION of this erroneous information off of my consumer report. These deceptive collection practices have caused harm to my reputation as a consumer, and I request that the CFPB upholds the law and grant me the swift justice I deserve.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigaie my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Debt collection

Consumer bureau are reporting inaccuracies and refusing to remove the inaccuracies. They are causing harm and interfering with commerce and my ability to trade. Since gold and silver was taken from the people and we do not have any other way to trade except with credit. This has caused severe harm. All companies are conspiring against the people and is violation of 39 U.S. Code 3001 These mailings, which resemble bills or invoices, are, in fact, solicitations for the order of goods or services, as clarified by 39 U.S. Code 3001. 
According to 39 U.S. Code 3001, matter that is in the form of, and reasonably could be interpreted or construed as, a bill, invoice, or statement of account due, but actually constitutes a solicitation for the order of goods or services, is considered nonmailable. The law requires that such solicitations must bear a clear notice indicating that the mailing is a solicitation and not a bill, invoice, or statement of account due. This notice should be in conspicuous and legible type, in contrast with the other printing on the face of the mailing. As a recipient, I strongly advocate for adherence to the laws and regulations that ensure the protection of consumers and maintain the integrity of the postal system.
Product: Mortgage

I try in some many ways to work with my lender. in 2022 we sent so many applications but it seems that the investor which is chase as well, cant even raise the payment so we can at least we can keep our property and continue with the mortgage payments. The reason of denials are unfair and are not based on our income expenses or debts. We were never given a breakdown of the income expenses and debt that were consider for the decision. The house is where my mother lives and after the death of my father during COVID-19 pandemic my mother began to fail with XXXX so im taking care of my mother and my name and my husband are in the note as well as my mother. We try to show our income and that we are capable to continue with the mortgage payment but chase just wants to foreclosure on our home. We try to work with the state but now the balance is avobe the limit and the state relief program cant work with us. The past due balance is now {$110000.00}. 

Please help us do something
Product: Credit reporting or other personal consumer reports

Hello, recently I looked over my credit report and I noticed several inaccuracies on my credit report. This inaccurate account is hurting my ability to obtain good credit. I understand that you investigate these inaccurate items to ensure accuracy. 

Here is the item Im asking you to verify as accurate. 

XXXX
Product: Checking or savings account

I have my checks direct deposited without any issues all the time. I had a deposit made on XX/XX/year>. Therefore my funds should have been available on XX/XX/year> during night processing. Chase did not deposit my funds that they have into my account. I have to wait until Tuesday XX/XX/year> to receive my funds because the processors will not be back until Monday night XX/XX/year>. As a result I live pay check to pay check and have not had any money all weekend because of their negligence. I was unable to buy any food or personal items that I needed. My check was actually late which put me in a bad situation as I have been unable to work because Im on XXXX  and under doctors care due to long XXXX health issues.. XXXXXXXX XXXX would deposit my funds the same day as the deposit, but Chase waits until the next business day. I cant see how they are allowed or even able to hold my money like they did. I hope I receive it on Tuesday ; I dont know what I will do.
Product: Consumer Loan

I received a loan offer from Best Egg ... I was only interested due to the No origination fee offer ... I completed the application process and then noticed the disclosure of a XXXX charge for a origination fee..I called the XXXX service center in XXXX XXXX and was told..sorry we cant help you ... I then spoke to the supervisor on duty who offered no explanation. I feel that this is very deceptive.practice.
Product: Mortgage

I currently have an outstanding balance of {$5900.00} with Rocket Mortgage despite having assistance from the Homeowners Assistance Fund. The majority of the balance is due to attorney fees imposed by Rocket Mortgage because HAF was late in making the payments to Rocket Mortgage. Please help me in any way that is possible. Thank you so very much.
Product: Consumer Loan

Read in the article the Santander auto loans is beign suit by the government for charging high interested rates to consumer and lie to investor that consumer is willing to pay for the loan
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Report drawn for mortgage loan. 
Experian, XX/XX/XXXX IMPOSSIBLE to talk to a human..on and on recordings but can not get help with simple question All three sources listed 08- Too many inquiries last 12 months with no backup as to who, what, where. 
Since I haven't applied for additional credit in last year except this one instance when report drawn..I know this false but can not talk to anyone from these " services? ''
Product: Debt collection

This letter is to inform you that I am disputing this debt. After receiving a response to my original dispute letter, I contacted the original creditor who could not verify this account as mine. Please delete this furious account from my credit report.
Product: Credit card

scammers use my personal information and signed up for capital one credit card since XX/XX/year> until the account was charged off. this is my 3rd time being victimized off fraud purchases.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX agreed to remove me from their database and not to wait 5 years, if my banks XXXX XXXX. and Citi Bank intervene and tell them to remove me, since I payed the balance of {$330.00} to Citi Bank and {$850.00} to XXXX XXXX. However, nobody took steps into correcting this and removing me from the database so I can get my life back.