23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

This complaint is against Caliber Home Loan. I have a mortgage and an escrow account with Caliber. In XXXX Caliber didn't pay my property taxes while I was paying them into my escrow on a monthly basis. Every quarter I would receive a delinquent notice from my city tax department, and I would organize a conference call with XXXX XXXX XXXX XXXX. to resolve the issues. 
In XXXX, Caliber re-calculated my escrow account and sent me a letter. I agreed with Caliber ( XXXX ) to pay the shortage. I paidXXXX on XXXX ( with a note that this money have to be applied to my escrow ). The money were misplaced to my mortgage principal. After multiple calls, and HOURS on hold with Caliber, they agreed to reverse this payment to the escrow account ( request placed on XX/XX/XXXX ). The reversal was finally processed on XX/XX/XXXX. I also pay my monthly statement balance ( mortgage and escrow ). Amount due on XXXX XXXX was {$1700.00}, which I paid and it is reflected in Caliber system. But it seems that they misplaced that payment as well, and as a result I'm charged with {$64.00} late fees. 
I also asked a qualified supervisor to call me ( multiple times ) which never happened.
Product: Credit reporting or other personal consumer reports

I WOULD LIKE ALL THESE ILLEGAL ITEMS REMOVED OFF MY REPORT AS SOON AS POSSIBLE. THIS IS TOTALLY ILLEGAL AND THESE ARE NONE OF MY ACCOUNTS! THESE ILLEGAL ACCOUNTS ALSO PASS THE STATUE OF REPORTING AND LIMITATION BEING THAT THEY ARE UNAUTHORIZED/ILLEGAL FRAUDULENT ACCOUNTS! 


All of these accounts are TOTALLY FRAUDLENT AND ILLEGAL AND VERY MUCH INCORRECT. I WOULD LIKE THESE ITEMS REMOVED OFF OF MY REPORT AS SOON AS POSSIBLE. COLLETIONS AND AND INQUIRIES ARE ILLEGAL I WOULD LIKE THESE REMOVED AS SOON AS POSSIBLE. 

XXXX XXXX {$31000.00} Date Opened XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX {$8700.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX {$10000.00} Date Opened XX/XX/XXXX Inquiries 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 or other personal consumer reports

Consumer Name XXXX XXXX XXXX, Consumer Social Security Number XXXX, Consumer Date of Birth XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EQUIFAX 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 an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a credit card account opened at XXXX XXXXXXXX on XX/XX/XXXX under the account number XXXX, a credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a credit card account opened at XXXX XXXX XXXX  on XX/XX/XXXX under the account number XXXX, a credit card account opened at XXXXXXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a collections account opened at XXXX XXXXXXXX XXXX on XX/XX/XXXX under the account number XXXX,, a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a collections account opened at XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX 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

I attempted to resolve an issue with information on my report that was not mine however I continued to receive stall tactics from Experian with no clear response or update to my request. When I called I was directed back online so in turn, I was forced to seek legal action. See attached my request from my attorney to immediately remove this fraudulent information from my report. 

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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts which do not belong to me or were opened without my permission. 

XXXX BANK XXXX XXXX Open Date XX/XX/XXXX Balance : {$5100.00} XXXX BANK XXXX XXXX XXXX XXXX Date XX/XX/XXXX Balance : {$720.00} XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$5600.00} XXXX XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Open Date XXXX XXXX, XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Date Opened XX/XX/XXXX Balance : {$500.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX, and I am preparing this message. It has come to my attention that there have been several accounts under my name fraudulently. My information was used to obtain financial goods or services. The listed accounts in this report are not mine. According to XXXX XXXX XXXX section XXXX consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies XXXX this information that results from alleged identity theft. Also, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX states a consumer reporting agency can not furnish an account without my written instructions. The listed accounts here never should have received written instructions from me nor did they with my consent. No consent is identity theft. I am demanding the deletion and removal of these accounts listed in this file from my personal XXXX XXXX immediately.
Product: Checking or savings account

I hold two accounts with JPMorgan Chase : a checking account with a balance of {$11000.00} and a savings account with {$20000.00}.

The primary use of these accounts was for normal transactions among friends, many of whom are international students from XXXX. This included paying for goods, tuition fees, and other similar transactions. 

XX/XX/XXXX : My accounts were unexpectedly frozen by Chase. 

XX/XX/XXXX : I received formal notification of the account freeze. At this time, I was in XXXX due to XXXX and unable to travel to the U.S. to address this issue directly due to travel and visa restrictions.Since my account was closed in XXXX, I have made numerous phone calls, during which Chase Bank representatives consistently informed me it was 'under review. ' In XXXX, I was told that I needed to come to the United States to resolve the issue, prompting me to apply for a visa. 

XX/XX/XXXX : After years of attempting to resolve the issue remotely through numerous phone calls, I visited a Chase branch in the U.S. once travel was feasible. I was initially informed that the funds would be released within XXXX days. 

XX/XX/XXXX : I was informed that the funds had been transferred to Chases Global Security and Investigations Department and that they would not be released due to " suspicious activities. '' Chase has withheld my funds totaling over {$30000.00} without providing a detailed or justifiable reason. This action was taken under the guise of the funds being involved in suspicious activities, though these were legitimate transactions among peers for everyday expenses like shopping and tuition. 
The bank has now stated that they intend to permanently seize these funds. 

I believe that the bank 's actions to permanently seize my funds without clear justification or adequate communication is illegal.
Product: Money transfers

I accidentally transferred money to the wrong person through Wells Fargo Surepay. I entered the wrong phone number. I made a claim with Wells Fargo and their policy is 7-10 business days to investigate the claims. They contacted the other financial institution and there were n't enough funds in the account to return the funds. They communicated to me that there was nothing else they could do. I have three concerns about this process. First, there should be a way to match up the phone number and name of the recipient for money transfers. They currently only match up the phone number. Second, Wells Fargo took too long to investigate the claim. The individual withdrew the unfds by the time they looked into it. Lastly, Wells Fargo should continue to request the funds until there is enough to return the full amount.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

XXXX is reporting me and im not able to open any bank account, and everytime that i call them or they tell me that if i want to be remove from their system i have to pay a several amount of money : example like XXXX and i have no reason to paid that amount and neither be on their system cuz i dont owe any money to any bank
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several unauthorized credit inquiries on my credit report. I have asked several times to have them removed and the response I have gotten was a standard " they will be removed once it has been 2 years '' They are not authorized and I want them removed from my report. the following inquiries were not authorized : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( multiple inquiries ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( multiple inquiries ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( multiple inquiries ) XXXX XXXX ( multiple inquiries ) XXXX  XXXX
Product: Mortgage

I purchased my home in XX/XX/XXXX. My loan was transferred to Planet Home Lending LLC shortly thereafter. In XXXX of XXXX, I decided to go through Planet Home Lending for a streamline refinance. I submitted my application online as instructed and we started the process. I received the initial disclosure on XX/XX/XXXX. Nearly 2 months went by without any communication, I assumed it was due to covid-19 and emailed the loan officer, XXXX XXXX, about the status and she informed me my file was sent to the processor. I received the first closing disclosure on XX/XX/XXXX. No communication after that about a closing until the end of the month. A closing was scheduled for XX/XX/XXXX. The closing agent arrived at my home and documents were signed and they were sent to Florida for my father in law to sign since he is a non occupying co borrower. Then, a few days later I receive a phone call that my husband needed to sign. He isnt on the loan but due to our marital status, he needed to sign as well. Another closing disclosure was sent on XX/XX/XXXX and we scheduled another closing to have my husband sign. We have another closing scheduled and another closer comes out to our home and we sign the documents again and have them sent to Florida. XX/XX/XXXX I receive a phone call from the processor, XXXX XXXX, that we need to repeat the closing again due to them putting the wrong date on the paperwork and the bank supposedly did not accept it. She also told me that I would need to make XXXX 's payment as well but we could close for XXXX and not have to make XXXX 's payment. Meaning I also have to pay a late fee on top of my payment for XXXX. I received another phone call on XX/XX/XXXX telling me that I would need to push off the closing again because my taxes were due. Meaning I had to pay yet another late fee on my mortgage payment. I have NEVER paid a late fee on my mortgage until this. Not only that, I am now being asked to pay 3 times more in closing costs that I originally had paid. I sent an email to the processor asking her where this amount came from and still have not received a response or returned phone call. At this point I do not know what to do anymore.
Product: Checking or savings account

I used to do all things financial with USAA. I had an EDUCATIONAL IRREVOCABLEFOR {$25000.00}. This trust account was set up in my name XXXX XXXX XXXX and the trust was for my son XXXX XXXX. I and only I would be in charge of trust monies until XXXX reached age XXXX. If educational funds are still available ( in 2020 ) then money will be distributed as I see fit to XXXX ( my son ) and my XXXX grandchildren as well. 
Every time I have attempted to find out what on this earth is going on with Trust through USAA, the guilty thief of my sons trust gets a elder abuse restraining order and therefore halts my right to go against her financially until order is up. USAA has treated myself and this rather spend major error on there part, its a dis tase. My grandfather was an original CHARTER MEMBER of USAA. At this point I need to know exactly what and how and whom to deem financially and criminally responsible. I learned that my mother, XXXX XXXX XXXX is, in fact, responsible for identity theft, for forgery, and I am sure a sleigh of other charges. She apparently did this trust change with one simple fax stating the I ( XXXX XXXX ) was removing myself ( irrevocable means can not be altered in any way ) from MY SONS, educational trust, replacing myself with my mother, for absolutely no good reason. At which point as soon as she is granted access to the trust she electronically has the entire amount of XXXX transferred into her private/personal bank account, and promptly spends every dime on herself, XXXX, XXXX. Not only did trust go missing, XXXX gained access to all my email addresses, and locked me out of all of them. She posed as me and closed, borrowed, spent, traveled, all on stolen money from mine and my sons Banking and trust account. I have been unable to view my old statements from USAS due to fact XXXX XXXX keeps intercepting my phone calls, my mail, my emails? I am currently and in recent past attempted to file identity theft, among other charges, against XXXX. She has with ill intent kept my private and personal documents, birth certificate, SS Card, car title, my sons same info. I changed address several times, she keeps changing back!! So, this is my first USAA rather LARGE AND IMPORTANT dispute. Its not ok to steal, make false allegations to obtain the law to be there muscle in illegal behavior. I have 2 other disputes, seperatly
Product: Credit card

We purchased an appliance at Lowes and we were told that our choice was 18 months interest free then after the 18 months interest would start being charged. Well after 18 months they charged us XXXX on bringing our balance up almost XXXX extra $!! That is NOT what we were told at purchase at ALL. This is FALSE and misleading business practices and we want this charge removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a bankruptcy reported on my credit report in XX/XX/2016 that has a XXXX balance and no additional information. I have disputed this item with all three bureaus who claim they verified the existence of the account with the courts. I contacted the courts and they confirmed that they could not have done such because they do not respond to such request, which means it should have been removed.
Product: Credit reporting or other personal consumer reports

XXXX is inaccurately reporting my account as charged-off and closed, yet it continues to display the account as having an unpaid balance of {$2800.00} and a delinquent status on my credit reports with XXXX, Equifax, and XXXX. This reporting is misleading and inconsistent with the legal definition of a charged-off debt. Additionally, XXXX has refused to issue a Form 1099-C to document the cancellation of this debt, further complicating the situation. 

I filed a prior complaint ( XXXX ) with the CFPB about similar issues, but the investigation appears to have been incomplete. XXXX continues to report inaccurate information, despite my requests for correction under the Fair Credit Reporting Act ( FCRA ). 

Actions I have taken : Contacted XXXX directly to dispute the accounts inaccurate status, including their refusal to issue a Form 1099-C. 
Filed a previous complaint with the CFPB regarding this account. 
Actions taken by XXXX : Refused to issue a Form 1099-C while still reporting the debt as charged off. 
Continued to report an unpaid balance and delinquent status on my credit report. 
This inaccurate reporting has significantly harmed my credit and financial standing, and I believe it violates both FCRA accuracy standards and 26 U.S. Code 6050P, which governs the reporting of canceled debts. 

I respectfully request a thorough investigation of this issue, as I believe the previous investigation did not fully address these concerns or result in a fair resolution.
Product: Mortgage

I called PennyMac on XX/XX/2024, after having re-read the documents and noticed that they ( PennyMac ) qualified me for a Modification based on what they felt was best for me, without asking or telling me about other options that could possibly benefit me. 

This is not the first time this has happened to me, but on several occasions this has happened. Previous to now, it happened with the HAMP Modification and them telling me I did not qualify for that program based on something I can not remember right now. 

So, when I called and began to speak with the Point-of-Contact ( POC ), XXXX, she wanted to continue to talk about the current Modification that I did qualify and on several occasions, I had to stop her and tell her, that is not the question that I am asking, I want to know what is/are the guidelines as to why I wasnt even considered for the other program. 

She became annoyed and irate and asked me to hold on so that she could speak to the Underwriter. Upon her return to the phone, again she began talking about the current problem they ( PennyMac ) qualified me for. Again, I said to XXXX, I am not interested in the current program that I am in, it is the other program in which they stated, Since you qualified for the most beneficial program offered, it was not necessary to see if you qualified for this program. 

It is unfair that there could be a possibility that my mortgage payment could be lower than it possibly is with this modification, because right now, it is astronomical. 

Unfortunately, I never received an answer to my inquiry and a few moments before I was going to just disconnect the call, I received a distress call from my husband who had taken ill and my XXXX old was calling me to let me know Daddy was XXXX trouble. It was at this time, I told the Rep, I would try to call back later. 

My husband was just released from the XXXX last Friday, XX/XX/2024, and since my mother has taken ill and I have been taking care of her and she fell this morning, but praise God she is alright so far.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a number of disputes with Equifax regarding erroneous information appearing on my credit report, specifically a " charged off '' balance of {$XXXX} from XXXX XXXX XXXX due to identity theft. Each time they have responded back with a resolution putting the information back on my credit report, simply stating that the company has verified my identity and correctness of the item and told me I need to contact the creditor, though the account number that Equifax has given me does not exist when I call the creditor, therefore I am in a Catch XXXX regarding this item.
Product: Mortgage

Received letter today with case number from Bank of America came with out contact number. Bank of America canceled the sale XX/XX/2023 said they had opened fraud case of the forged FHA mortgage they are using to take our house. Instead this reappeared on the foreclosure county callender. 
Tried calling their XXXX attorney he doesn't answer phone. So I am attaching the settlement agreement I offered them.
Product: Credit card or prepaid card

Received two credit cards, Master Charge from Citi Bank ; unsolicited ; did not request, did not complete application, impacts credit report ; information with card was minimal ; did not provide interest rates. Or relevant information re. costs or information. Will not activate card. However, this type of practice is highly questionable. Sad that their ethics stoop this low.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified account listed below continue to report on my credit report in violation of federal law. The last letter I sent to the credit bureaus but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX Balance {$0.00},
Product: Mortgage

I found fraud in the so called loan process i.e. servicing, and originating the credit. Notice was enacted of the violations on commercial law and common law. The mortgage servicer 's fraudulent activity has voided the contract and nullified the contractual obligation of the payee. I revoked the power of attorney and instructed the company to forward the chattel papers to the updated trustee. They refused to comply with my demand. Now, they are processing an illegal foreclosure of my personal property, which is not lawful because they sold their security interest when they transferred/ assigned my promissory note to an investor that is trading my " instrument/ note '' on the open market. All of this is not legal because in Alabama, all transfers/ assigns are to be filed with the county recorder 's office. 
The mortgage servicer, once mortgage lender, have no lien on my property, which makes the frivolous foreclosure process an illegal procedure. They committed securities and wire fraud by sending me a forged document ( a copy of the single indorsed security instrument ) via email communication. All incidents have been report to the pertained local and federal agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX  and XXXX  do not reflect the latest information on my mortgage account with XXXX. All three reflect the last update as of XX/XX/2020.update mortgage account information.