23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Caliber Home Loans XXXX XXXX NMLS # XXXX I ( with my now ex-husband ) applied over two years ago for a mortgage with XXXX XXXX XXXX Caliber Home Loans for a mortgage. I was granted that mortgage loan. I have always paid on time. 

Last Friday XXXX, XXXX XXXX of Caliber Home Loans was granted full access of my private ( and supposedly secure ) information by Caliber Home Loans. She " copied '' the file and ran a full tri-merge credit report on me when I neither applied for a loan from her nor gave her authorization to pull my credit. SHe stated in an email that she " accidentally '' pulled my credit when my ex husband called her for mortgage financing. She further insulted me by offering to give me a copy of my credit report! ( which she is not supposed to do according to the law ) She is ruining my credit score and now I need to fix the damage ( If I even can ) that she created by doing a hard inquiry that I DID NOT AUTHORIZE OR REQUEST. I have had a HUGE score lost due to this along with the hours I have already spent looking up all of the laws they have broken by their blatant disregard to do business correctly. 

Caliber Home Loans is obligated by law to keep my personal and private information away from the hands of everyone. AND they are obligated to make sure that if they pull someone's credit that they have authorization! Yesterday, XXXX, on a phone call, XXXX XXXX XXXX who claims to be a regional manager at Caliber Home Loans ) stated they grant loan officers access to other loan officers files as commonplace. He laughed when I told him that they didn't have my permission NOR did they have the right to give access to another loan officer that I do not know my personal & private information!! 

Yesterday I also called XXXX XXXX XXXX to ask how this can happen and if it happens often with Caliber Home Loans. The woman from the credit department stated that they have had other calls like this one about Caliber Home Loans!! SHe also stated that not all of the credit bureaus will be willing to remove this hard inquiry therefore affecting my credit score for the next 25 MONTHS!

This MUST be STOPPED IMMEDIATELY!!!

I have email conversations where they admit to all of this that I would be happy to forward to anyone who's interested.
Product: Credit reporting, credit repair services, or other personal consumer reports

I moved away from my old address inXX/XX/XXXX and never cared to do a address change. 
On XXXX I wrote out a check to a friend and watched him deposited the check. Somehow the check landed in my account but also bounced from insufficient funds but was also told that the check cleared. Then when I address the banker that helped me out most the time he altered the transactions not knowing that I already have statements of it printed out and made slot of copies. This caused me to did into other activities and transactions which now I discovered involved all of my banks and accounts. 
No matter what I do ( change email, phone, phone number ) it doesnt matter. It will be compromised at will and if the bank can alter the transaction to a transaction I made a week ago that just got posted. How can I not recognize it to dispute it. 
Im limited with sources to help and no attorney is willing to take my case. Im asked to go into mediation but this involves more then just the bank that request me to mediation. It involves everything account associated with my social security number.
Product: Debt collection

XXXX XXXX XXXX has repeatedly called me over a debt that is not mine. This debt is owed by a relative, and they specifically say on their voice mail messages to me that they are calling looking for my relative, and they use the relative 's name. They have been asked to not call me, as I am not that person, it is not my debt, and I am not going to provide them any information as to how to reach this person. They are also very deceptive in their tactics, stating that I was used as a " reference '' for this person, when they are clearly only trying to get information to hunt down a debtor. They have also contacted me AT WORK, and contacted my sister AT WORK about this, after they were told not to. This is in direct violation of the Fair Debt Collection Practices Act, which states that a creditor may reach out to a debtor 's relative 's ONE TIME to try to find them. I have been called multiple times over the last few months. So far this month, they have called me on XXXX XXXX, XXXX at XXXX XXXX, and XXXX XXXX, XXXX at XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report regarding XXXXXXXX XXXX  ACCOUNT # XXXX and noticed some errors with this account. You all are reporting to the bureaus late payments for the XX/XX/2020 which is inaccurate. I have my payment stub for this month and the account was paid on time as agreed per contract at the opening of this account. 
Please update this information and provide to all three creditors as well myself via mail to the address above. If you decide to validate my claim as false, please provide physical evidence proving otherwise. 
Let me remind you per FCRA 623 you are required to correct inaccurate data provided to the bureaus on my report and provide any relevant information proving otherwise. Please recheck this information and report the updates as necessary.

Please send correspondence via mail regarding the changes.
Product: Checking or savings account

Sofi bank misapprpriatedXXXX XXXX of my money deposits that were going into my account they were charging me for
Product: Mortgage

My husband and I were approved for a mortgage in XXXX. We were facing forclosure and abandoned the house in XXXX XXXX. Lender was notified that we were vacating the property. A sheriff sale was set for XXXX XXXX, but was postponed for unknown reasons. On XXXX XXXX, XXXX we were served papers. My complaint is that we could be close to purchasing another house after five years, but US Bank has delayed the process to an extent that is unacceptable. Five years later and we are finally getting closer to being able to put this behind us, when all of this should have happened after we abandoned the property.
Product: Prepaid card

I was gifted a {$50.00} American Express gift card. However, I have tried nearly all the major retailers and none of them accept the gift card. It is basically useless to me. I reached out to Amex and they are saying g that I can use the card anywhere, however, that is not the case. Please assist.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a bankruptcy that is showing on three bureaus that does not belong to me I have reached out to the bureaus the courts and asked them to remove this since it is not mine and they have yet to get back to me to see how they are verifying that this information is mine or how this is related to me. 
US BKPT CT NV XXXX XXXX - Reference Number XXXX Court US BKPT CT NV XXXX XXXX
Product: Checking or savings account

To whom  it may co ncern, On today,  XXXX / XXXX /  XXXX  .  XXXX  at  KeyBank  in  XXXX , VT, told me that I would not be allowed access to my funds in my bank account. I work overtime every week and I have  two smal l children. I can not feed them, I need access to my money!
Product: Checking or savings account

I filed my claim to be reviewed again claim number XXXX after it was denied. I deposited XXXX on XXXX XXXX in an atm in XXXX, Texas and the atm advised me that I can only deposit XXXX bills at a time and asked if I wanted to continue or take out all the cash. I press continue and the atm only deposited XXXX out of my XXXX and did not give me back the rest of my cash. My money should be protected with navy federal. I am also requesting for this video to be reviewed. This is not fair to me as a customer. This was an error with navy federal Then on XX/XX/2021 I asked for another case to be reviewed case XXXX. I spoke with a representative today and was told my case was denied because transactions were chip verified. When I made the claim i was told if a transaction was suspious I am to file the transactions that did not belong to me. For example my claimed was denied for the XXXX  transaction that was made back t back to the same location with a different passenger and phone number that did not belong to me. I do not feel that it was fair to deny the whole claim. I also advised the representative the card was on my possession however at the time I was not aware that the person I rented a room in my home was taking my card and putting it back in my purse. I recently found my credit card statements in her possession and I am currently reporting this to law enforcement. We share a common area and I did not notice this at the time when making the claim, I did not know this claim would be denied. This is not fair to me at all because my card was stolen and fraud was done in my name. I am also noticing that this person has purchased things to copy my personal documents and made a copy of my Identification. After confronting this thief she has not returned to my home. I am going through identity theft and stolen possessions. I did was I was told by your banking representative and turned my card in to the bank in XXXX, Tx. Again please reopen this case and look further into my claim. I did not deserve this and identity theft is hard to prove. I did not want to lie and say my card was stolen when anytime I went to use my card it was back in my possession. It is hard to accuse someone of something without proof. I did not even get a message from you, I had to call multiple times to find out the status of my case and no one reached out to me for more information nor have I received any communication from you. It is not fair to deny something without even reaching out to me, this would of helped me and I would of provided more information to you. I do not like how this case was processed. I have went through this claim process before and to be honest I am very disappointed in this credit union. I was not notified my claim was being denied. Reach out to your customers before denying a claim because I am being defrauded
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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 XXXXXXXX XXXX - XX/XX/XXXX, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX XXXX : XX/XX/1992 Dear CFPB, I hope this message finds you well. I am writing to bring to your attention a matter of utmost importance that has had a profound and distressing impact on my life. I kindly request your assistance in enforcing my legal rights and seeking redress for the violations committed by certain creditors. 

Violations : Unauthorized Inquiries : Several creditors, including XXXX and XXXX, have made inquiries into my credit report without my explicit authorization or consent ( Violations of 15 U.S.C. 1681b ( f ) ). I do not recall ever authorizing these inquiries, and I believe they may be in violation of FCRA regulations.

Inaccurate Reporting ( Violation of 15 U.S.C. 1681e ) : XXXX ( Account number : XXXX ) XXXX XXXX has reported information to the credit bureaus that I believe to be inaccurate. This misinformation has cast a shadow over my financial credibility, and I believe it was not properly investigated under FCRA requirements. 
XXXX ( Account number : XXXX ) : XXXX has reported data on my credit report that I strongly suspect to be incorrect. I have reason to believe that this information was not adequately verified ( Violation of 15 U.S.C. 1681e ), and it may contain inaccuracies in terms of payment status, balance, comments, payment history, and account number.

Personal Impact : To underscore the gravity of these violations, allow me to share a personal story of how this situation has affected my life. These inaccuracies and unauthorized inquiries have caused me immense distress, XXXX and frustration. They have jeopardized my ability to secure essential financing for important life events, such as purchasing a home, obtaining favorable interest rates, and accessing credit when needed. The emotional toll this has taken on me is immeasurable, as I have faced sleepless nights, persistent worry, and strained relationships due to this financial uncertainty. 

Request for Resolution : In light of the violations outlined above and the profound impact on my life, I kindly request the following actions : Investigation : I urge the CFPB to initiate a thorough investigation into these violations, ensuring that each creditor complies with the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ) and other relevant consumer protection laws. 

Immediate Removal : I request that the creditors, XXXX XXXXXXXX, XXXX, and XXXX, promptly remove the unverified and inaccurate accounts from my credit report to rectify the damage caused. 

I am grateful for your attention to this matter and your commitment to safeguarding the rights of consumers like myself. Please consider this as an urgent plea for assistance in rectifying these injustices. 

Thank you for your prompt attention to this dispute, and I look forward to a swift resolution that will help restore my financial well-being and peace of mind. 

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

My wife and I personal information was both stolen and has been being used as if they are us to the point that they got so many accounts in my name they filed bankruptcy to start over and get MORE accounts in my name. I filed a police report over 8 years ago and an identity theft report. This still keeps happening and no one is helping me fix it. I disputed with the credit bureaus and they still have left some of it there like I should be liable which it TOTALLY WRONG. They actually DELETED an account on my wife 's report that DID belong to us but still leave the fraudulent accounts there.
Product: Credit reporting, credit repair services, or other personal consumer reports

Each credit bureaus are showing different Details on the accounts. There are multiple accounts showing different by each bureau and i sent in a credit report with the highlighted differences and still there was no change i had disputed this accounts multiple times and still no change what is up with you guys it fells like i have to run around every single time over and over and over and i get no ware with you guys.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the following accounts listed on my credit profile, as they were opened or used fraudulently without my authorization. These accounts include : - **Account Name : ** XXXX XXXX XXXX  XXXX **Account Number : ** XXXX - **Account Name : ** XXXX XXXX **Account Number : ** XXXX - **Account Name : ** XXXX XXXX XXXX **Account Number : ** XXXX - **Account Name : ** XXXX XXXX XXXX XXXXAccount Number : ** XXXX These accounts do not belong to me, and I have no knowledge of their opening or usage. I suspect fraudulent activity has taken place.

**Actions I Have Taken : ** 1. I have already contacted the creditors associated with these accounts to inform them of the fraud.

2. I have filed a report with the Federal Trade Commission ( FTC ) regarding this matter.

3. I have placed a fraud alert on my credit file with the credit bureaus to prevent further unauthorized activity. 

I kindly request that the CFPB assist in investigating this matter further and ensure the erroneous information is removed from my credit report promptly. Please let me know if you require any additional documentation, such as the FTC Identity Theft Report or a police report, to proceed with your investigation. 

Thank you for your time and assistance in resolving this matter.
Product: Debt collection

I was making payments on the loan and finished paying it off a year or two after loan was paid i was receiving calls that i still had a balance on the loan which was paid in full
Product: Debt collection

I, Called XXXX XXXX Starting on XX/XX/XXXX to resolve a debt that I owed in the amount of {$320.00}. this company could not find my account. I informed them that it was in collections, they then informed me to call the collections agency that they no longer had that account. I then called the collection agency and they could not find the account. I had a order number that I gave the collection agency and they were able to find my account. The collection agency informed me that they returned the account back to XXXX XXXX. I then called XXXX XXXX on XX/XX/XXXX and informed them that the collection agency says they no longer have that account. I gave XXXX XXXX my file Number once again and they were able to find the account. I asked if i should pay them, XXXX XXXX or the Collection Agency they said that I could pay either one. before agreeing to pay i asked the associate that I spoke to " Once payment is made in full will the charge off be removed from my credit report and he answered yes. I then asked him if he was sure he repeated yes '' he assured me as soon as there office received full payment that the charge off would be removed from both credit Bureau 's i sent a cashier 's check in the amount of {$320.00} to Merchants ' Collection Agency. I  then called XXXX XXXX back after payment was made, spoke with a supervisor and he said that they would not be removing the charge off from my credit report. He said " the he could but he would not because it is not company policy ''. I informed him of the conversation that i had with one of their associates and i gave him that person name. I explained to him that that was unlawful what they did to me. He then apologized and said he was going to have a coaching/training meeting. This is Larceny by Conversion and this company reported that the account was paid but refuse to removed the charge off from my credit report
Product: Credit reporting or other personal consumer reports

XXXX already made complaints with the CFPB and Attorney Generals office On the date of XX/XX/23 car was bought 1. Truth in Lending Act ( TILA ) Purpose : TILA is designed to promote the informed use of consumer credit by requiring disclosures about terms and costs. 
Violations : Failure to provide clear and accurate information about loan terms, including any arbitration clauses, can constitute a violation of TILA. 
Enforcement : The Consumer Financial Protection Bureau ( CFPB ) enforces TILA, and consumers can also seek damages for violations. 

2. Unfair and Deceptive Acts and Practices ( UDAP ) Laws Purpose : These state laws prohibit businesses from engaging in unfair or deceptive acts or practices. 
Violations : Misrepresenting the terms of a loan agreement, hiding critical clauses, or failing to inform consumers of their rights can be considered deceptive practices. 
Enforcement : State Attorneys General and consumer protection agencies typically enforce UDAP laws. Consumers may also be able to bring private lawsuits under these statutes. 

3. Federal Trade Commission Act ( FTC Act ) Purpose : The FTC Act prohibits unfair or deceptive acts or practices in commerce. 
Violations : Misleading consumers about the terms of a loan agreement or failing to disclose important information like arbitration clauses can be seen as deceptive practices under the FTC Act. 
Enforcement : The Federal Trade Commission ( FTC ) enforces this act, and consumers can file complaints with the FTC. 

4. Fair Credit Reporting Act ( FCRA ) Purpose : The FCRA promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. 
Violations : If the failure to disclose the arbitration clause leads to incorrect or fraudulent information being reported to consumer reporting agencies, this can be a violation of the FCRA. 
Enforcement : The FTC and CFPB enforce the FCRA, and consumers have the right to dispute inaccurate information and seek damages for violations. 

5. Contract Law Principles Misrepresentation : Under contract law, a contract can be voided if one party misrepresents a material fact that the other party relies on when entering into the contract. 
Unconscionability : If a contract or clause is extremely unfair or oppressive to one party, it may be deemed unconscionable and unenforceable. 
Failure of Consideration : If a party does not receive the agreed-upon terms or benefits of the contract, they may claim the contract is void due to failure of consideration. 

Legal Actions and Remedies : Damages : Consumers can seek monetary compensation for any actual damages incurred due to the fraud or misrepresentation. 
Rescission : Consumers may be able to rescind ( cancel ) the contract if it was entered into based on fraud or misrepresentation. 
Corrective Actions : Regulatory bodies can impose fines, require corrective measures, or take other enforcement actions against the offending companies.
Product: Credit card or prepaid card

Essentially, I set up a payment arrangement with them back in early 2020 because I experienced financial hardship due to the COVID-19 pandemic. I was able to set up the arrangement only after being advised that I could only be eligible if the account was behind. The account is now current but the late fees are bringing down my score. Per SEC 4021 of the CARES Act, these late fees should be updated on my credit report for all 3 agencies. This has yet to happen.