23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I previously filed a complaint, to which Caliber Home Loans responded, however, their response is inaccurate. 

They indicated that I had a cease and desist with my former servicer XXXX, which was false, and that the cease and desist follows my mortgage. In the same vein, they stated that they have no modification information ( which was included in court order ) and that information does not follow the mortgage? How is it possible? 
They continually refuse to speak to me, although I have a court order stating myself as the co-borrower and therefore should be communicated with as such. 

Per instructions from a representative of XXXX XXXX XXXX XXXX I sent in writing authorization to speak with me. I received a response, that they would investigate my claim of error, and instead my home was foreclosed on. I was denied my legal rights to pursue any and all avenues to prevent the foreclosure, which took place outside of the legal time of notification by. Using the United States Postal Service, Caliber has sent false and misleading documents regarding my mortgage, their impending investigation into my claims of error. Caliber indicated their release from PMI was due to my mortgage status. Again, this is false and misleading as Caliber was not involved in the release of PMI and no such statement was made that PMI was being released due to default. 
After I filed my initial complaint with CFPB, I received another letter from Caliber Home Loans dated XX/XX/XXXX stating " acknowledgment of receipt of my correspondence and we will perform the necessary research and respond within the time period required by law. '' This is the same letter that I received on XX/XX/XXXX from Caliber home loans " Notice of Error, Request for Information or Qualified Written Request. This information has continually been sent to Caliber Home Loans, Inc ATTN : Customer Support and Escalations Team XXXX XXXX XXXX XXXX XXXX Oklahoma XXXX
Product: Credit reporting or other personal consumer reports

I kindly request that you conduct a thorough investigation into these fraudulent accounts and promptly remove them from my credit report. These accounts do not belong to me, and their presence is negatively affecting my creditworthiness. Additionally, I would appreciate it if you could provide me with a copy of my updated credit report once the investigation is complete, reflecting the removal of the fraudulent accounts. Please find below the details of the fraudulent accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete these accounts ASAP.
Product: Checking or savings account

I recently received notification from Marcus XXXX that my savings account had been closed without prior notification on XX/XX/year>. Upon contacting customer service several times since XX/XX/year> and undergoing identity verification through security questions, I was informed that my identity could not be verified in their system even though I was able to provide all the information they asked such as security questions. I communicated that while I no longer require access to my savings account since it has been closed, I am seeking clarification on when the funds will be transferred back to my checking account within the Marcus system. They have repeatedly assured me that they will contact me regarding verification within 1 to 3 days, but it has been 5 business days and I have yet to receive any communication from them. The amount on the account was XXXX USD +APY %. I have to make a payment for my living, but Marcus is holding my money for no reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

THESE 5 COMPANIES CHECK MY PERSONAL CREDIT WHEN THE  PURCHASE WAS A CORPORATE PURCHASE OF A VEHICLE. I DID NOT AUTHORIZE THESE INQUIRIES. THE VEHICLE PURCHASE WAS A CORPORATE PURCHASE, NOT A PERSONAL PURCHASE. I HAVE THE SALES CONTRACT THAT SHOWS THE BUYER FOR THE VEHICLE IS XXXX XXXX XXXX XXXX XXXX XXXX, AND IT WAS A CASH PURCHASE: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
THESE COMPANIES DO NOT RESPOND OFTEN; WHEN THEY DO THEY TELL ME WITHOUT AN ACCOUNT THEY CANNOT CORRECT THEIR ERRORXXXX XXXX XXXX AND TRANSUNION TELL ME THAT THE COMPANIES NEED TO REMOVE THE INQUIRY...THE COMPANIES TELL ME THE CREDIT BUREAUS NEED TO REMOVE THE INQUIRY. I HAVE WORKED ON THIS ISSUE FOR A YEARS WITH NO RESULT. THIS HAS DAMAGED MY ABILITY TO DO ANYTHING FINANCIAL, IN THIS LAST YEAR. I WANT THESE FRAUDULENT INQUIRIES REMOVED FROM ALL THREE CREDIT BUREAUS.
Product: Debt collection

On XX/XX/XXXX I contacted Dyck-O'Neal in regards to their account # XXXX. In the letter, I explained that the note was a modification of an existing mortgage loan, not a new financial instrument. Further more, I supplied a XXXX clearly showing that the entire balance was charged off and that a Satisfaction of Mortgage was filed on XX/XX/XXXX after the date that Dyck-O'neal states this account was opened. Since my communication to Dyck-O'neal, no satisfactory explanation of how their account is a valid debt has been provided to me. Communication from them has been sporadic at best, with no communication during recent periods of a year or more. Recently, I disputed this account with XXXX credit reporting agencies since Dyck-O'neal decided to start reporting this account as late. The disputes resulted in still no details of why this debt is valid. 

In a nutshell, this debt was 100 % charged off by XXXX XXXX during a Deed-in-lieu of foreclosure and Dyck-O'neal has no right to attempt to collect on this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under XXXX5 U.S| Code 1681e ( b ) and 15 U.S. Code 16811 ( 5 ) these accounts are in violation of not reporting 100 % accurate. 

Account XXXXXXXX XXXX
Product: Money transfer, virtual currency, or money service

It it is extremely troubling that a institution that is handling millions of people 's personal information, not to mention their money would be extremely negligent and irresponsible and allow a person to walk into their establishment with a check that isn't issued to them. How can you allow a person, in this case, XXXX XXXX to endorsed and deposit a check that was issued to me. Obviously, the names and address aren't the same! This is a gross injustice and Ally Bank must answer for this breach of trust and their failure to completely scrutinized this transaction by this thief, before allowing him to deposited a check that isn't his, especially without any proper identification. What type of legit financial institution would allow this to happen and instead of taking responsibility for their failure to check the credential of individuals depositing, or taking out money from their establishment?. 
In addition, it is extremely frustrating that the IRS, who are supposed to have their own investigators failed to, or neglected to take this matter seriously. In fact, I did the job that the IRS investigative team should have done, but failed to do. as I XXXX the name of the bank that was on the photocopy check that the IRS sent me. I was told by various supervisors and representative at Ally Bank that this thief XXXX XXXX was a customer. After many more correspondences with member of Ally Bank 's Lost Prevention Department, they apologized to me for their egregious error. In addition, they told me that they closed XXXX XXXX 's account, once they relied it was a case of identity theft. However, they told me that I can not do anymore on my own because I am not a customer, instead the IRS must contact them, in order to retract the money that XXXX XXXX illegally deposited and they irresponsibly allowed. The IRS decided to deny me the {$9600.00} refund that I am owed, instead they took out {$6.00}, XXXX from the check that was stolen by XXXX XXXX and deposited into his account at Ally Bank. I am being held responsible for the crime that XXXX XXXX committed against me and the gross negligent by Ally Bank in allowing him to endorsed a check that wasn't addressed to him. I was only refunded {$3.00}, XXXX. This isn't right and I implore the IRS to do the right thing and give me the money that I am rightfully owed. I look forward to hearing from you soon and receiving my entire refund check. I would like to thank you for your time and cooperation!
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX, Transunion, and XXXX, for failing to properly investigate my disputes regarding inaccuracies in my credit reports. Despite my submissions, the XXXX Bureaus, constantly responds every 24 hours stating the amount is accurate, without providing any evidence of a thorough investigation.

This practice violates The Fair Reporting Act ( FCRA ), 15 U S C 1681i.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX  should not be reporting that I am ( 120-180 ) days late on the XXXX partial account number XXXX. XXXX is reporting the status of this account as a collection/chargeoff. ( Please see page attached from my credit report, along with a copy of my Drivers License and SSN for identification purposes so the bureaus will investigate my complaint. ) XXXX XXXX is claiming that I made a {$56.00} payment, which I did not make, and now the ( 3 ) bureaus have moved the date of last activity forward. When the false payment was reported it triggered the lates to report as well, which is incorrect. This account was opened in XX/XX/XXXX and the statute of limitations for reporting in the State of Mississippi is ( 3 ) years. This is clearly a violation of the Fair Credit Reporting Act for Credit Acceptance to claim a payment had been made when clearly one was NOT made, in order to move up the date of last activity on my credit report. It is also a violation of the  FCRA to not report accurate information on a credit report. This incorrect reporting is harming my credit score and these line items need to be removed entirely from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have not been successful.
Product: Debt collection

Afni XXXX is using a machine to make calls and showing on the caller ID as XXXX a different company. When I received a call this morning I was asked to hold for the next available operator, I waited to see to see who they were looking for as my former step-mother has been passing out my number to her creditors. The call disconnected without me being able to discuss the matter and ask them to remove me. I then called XXXX trying to clear this up and was told they had no account with my phone number and told me they had other complaints that Afni was engaging in this practice. I finally called Afni and they refused to admit to their conduct.
Product: Mortgage

My mortgage was purchased by PNC Bank. I tried to pay extra money directly to the principal of my mortgage. I wasnt able to pay without a checking account with the bank or process which required extra fees. When I contacted the bank they told me to mail in a check. What kind of national bank does not have the option to electronically pay?
Product: Checking or savings account

Today, XXXX received an email to confirm my account and log in. All my 3 credit bureaus are blocked and has a fraud warning effective until XXXX. 
I called Chime customer service and I asked them on how can they open an account when all my 3 credit bureaus are blocked or has a warning. She has no reply.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is trying to collect for XXXX XXXX. The issue is that the loan was recalled by the original creditor in XXXX. Despite being informed of this and confirming that they cant take payment or discuss the account they still have not taken the item off my TransUnion or XXXX  report so I am filing a complaint. They only responded to the XXXX compliant not the other bureaus and the information provided is not accurate. Thanks XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed in dispute on XX/XX/20 to Equifax for account XXXX/XXXX XXXX listed on my credit report that is charged off. I received the results of the investigation and was notified that the account was accurate. This account was not opened by me nor did I authorize anyone to open this account in my name. I previously contacted XXXX/XXXX XXXX asking for a copy of the application or something with my signature on it and they have not been able to produce anything. Instead they sent me a bill with my name on it. I ask how were you able to verify that this account is accurate? I would like to see what XXXX/XXXX XXXX   has produced to you proving that the account is mine when they were not able to give me anything. There are also inaccuracies on how this account is being reported. The FCRA states that all accounts need to be reported 100 % accurately. First XXXX/XXXX XXXX is not reporting that they sold this account to a collection agency, which is XXXX XXXX XXXX. I contacted XXXX XXXX XXXX  by phone and they reported that the account was now with them. Second it is being reported that a past due balance of {$450.00} is owed to XXXX/XXXX XXXX. How is it a balance owed to XXXX/XXXX XXXX when they sold the account to collection agency XXXX XXXX XXXX? There should not be a balance on a charge off account that was sold to a collection agency.
Product: Credit reporting or other personal consumer reports

I requested to have XXXX removed from transunion.com I submitted my birth certificate and ss card that states I'm not a XXXX or never have been but for some reason transunion.com is refusing to remove it
Product: Debt collection

Open my account at XXXX years old, at the time I was young and dumb service rep stop me to have me open up a phone line. He never asked for my ID just my social. He said I was approved for XXXX lines I got caught up on his pusuation so I took the offer. I felt behind on payments because I was just a new dad so I could n't pay. I 've made several calls to let them know and they did n't care.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX account # 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 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have speeding ticket on file for XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XXXX / XXXX /2017, A new collection account appeared on my Experian credit report. Reported by agency   XXXX   XXXX   XXXX  . (   XXXX   ) in the amount of {$88.00}. Original Creditor was  XXXX . I did have an account with  XXXX , but was paid in full when i closed the account and switched providers. I never received any bill, call, email or any notification that I still owed  XXXX  anything. On  XXXX / XXXX /2017, I contacted  XXXX  by telephone and was informed that I owed for an unpaid amount. I asked why I was never notified of this debt by either agency, and was informed they didnt know, and that I should have definitely been billed or contacted. I was also informed that   XXXX   had given  XXXX  the contact phone number I had originally provided when I signed up for their services, which has not changed, so I know that had they wanted to, they could have easily contacted me. Had I known they wanted more money, Id likely have paid them immediately as I have been working on my credit. No attempts in any format were made by   XXXX   or  XXXX  to contact me and inform me of any outstanding balance. My phone number has not changed, and I am rather easy to contact. Fair notice was not given to me by either company before this mark was added to my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending you this complaint to let you know that I was a victim of identity theft. A sizable amount of illegal inquiries as well as some inaccurate information reporting can be seen on my credit report. I am aware that my identity has been stolen. I formally reported this to the FTC with XXXX XXXX XXXX as a result. I've provided the report in this complaint as required by FCRA Section 605B ( 15 U.S.C. 1681c-2 ). To accordance with the law, kindly remove these entries from my credit report as soon as feasible ( i.e., 4 days ). Let me know if you need anything else, please. This is a list of things that don't belong to me or that weren't opened with my consent. 
XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX Balance Owed : {$2100.00} XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} 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. FCRA XXXX XXXX ( a ) states that the CREDIT REPORTING AGENCIES must block any information in a customer 's file that the consumer claims came from an alleged identity theft no later than 4 business days following the date of receipt.
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 Bankruptcy 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 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: Checking or savings account

Called Chase to close checking account on XX/XX/23. got a secure message on XX/XX/23 stated the account was in the process of closing. I'm aware that if the fund is grater than {$1500.00} It'd take longer to process. today is XX/XX/23, almost two months, still no refund.
Product: Debt collection

I keep on getting calls from this Aldous & Associates collection agency. They are claiming that I owe a debt for a gym membership, the thing is I have already delt and payed off this debt with my gym physically in person. I still keep receiving calls from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Finance Companies - non specific Contact info Address XXXX XXXX XXXX XXXX XXXX, DEXXXX  Phone number ( XXXX ) XXXXXXXX XXXX XXXX XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Bank Credit Cards Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX, UTXXXX Phone number ( XXXX ) XXXX XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Tenant Screeners ( Reseller ) Contact info Address XXXX XXXX XXXX XXXX, NJXXXX Phone number ( XXXX ) XXXX BELOW IS A LIST OF INACCURATE ADDRESSES ON MY CREDIT REPORT THAT MUST BE REMOVED ALSO DUE TO IDENTITY THEFT!!!!!! 

XXXX XXXX XXXX XXXX, NY XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX THIS ACCOUNT DATE OPENED/DATE CLOSED/BALANCE/LAST PAYMENT IS IN ACCURATE THE ACCOUNT NUMBERS ARE INCOMPLETE THIS IS GROUNDS FOR REMOVAL. 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 results from alleged identity theft.not later than 4 business days after the receipt. 
ACCORDING TO THE " FAIR CARES ACT '' YOU ARE VIOLATING MY RIGHTS AS A PROTECTED FEDERAL CONSUMER
Product: Credit reporting or other personal consumer reports

I HAVE DISPUTED THIS INCORRECT INFORMATION ON MY XXXX CREDIT REPORT SEVERAL TIMES ONLINE AND ALSO SPEAKING WITH A REPRESENTATIVE ON THE PHONE. I HAVE MADE SEVERAL ATTTEMPTS TO GET THEM TO UNDERSTAND THIS CAPITAL ONE BUSINESS CARED THAT IS APPEARING ON MY REPORT IS NOT MINE. I DONT HAVE A BUSINESS AND DONT OPERATE A BUSINESS. I HAVE EXPRESSED THIS ERROR TO THE POINT ITS STRESSFUL. I DID NOT AUTHORIZE THIS AND WOULD LIKE FOR YOU TO REMOVE IT. THIS ACCOUNT IS CAUSING RED FLAGS INTO LENDERS ASKING IF I HAVE A BUSINESS. THIS IS AN ERROR AND MISTAKE ON MY PROFILE. I HAVE A RIGHT TO DISPUTE ANY UNAUTHORIZED ITEMS ON MY REPORT AND FILE TO THE EXTEND TO IT GET DELETED. I DO NOT HAVE A BUSINESS PLEASE HELP. 

DATE OPENED XX/XX/XXXX ON MY RECORD UNTIL XXXX/XXXX CREDIT LIMIT XXXX I DISPUTED ON DATES OF XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Company check my credit without my consent which put hard inquiries on my credit I would like to get them removed it was improper use of my credit XXXX, XX/XX/2019 XXXX XXXX XXXX, XX/XX/2019 2019