23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have been contacting Caliber Home Loans XXXX times since XXXX XXXX in order to obtain an escrow analysis. My loan started in XXXX at which time the XXXX XXXX was not yet applied. It was applied around XXXX XXXX and I have asked to 1 ) have a reduction in escrow ( ultimately monthly payment ) and 2 ) be refunded an overpayment which is as of today is approx {$1600.00} and each month {$300.00} is added to this amount. I keep being told each time to wait XXXX days and nothing happens. I have talked to XXXX ( teller id XXXX ), XXXX in Tax, XXXX XXXX, supervisor in tax whos phone # is XXXX, XXXX ( teller id XXXX ) and XXXX XXXX, supervisor -- XXXX refused to give me her direct phone number but her extension is XXXX.
Product: Credit card

Hi, XXXX replaced the roof of my house and put cost on a credit card. The work is not done ( incomplete ) and I contacted the number on the statement for a dispute, and I was told that they are unable to help me with the dispute.
Product: Credit card or prepaid card

On XX/XX/2022 I attempted to use my new " XXXX XXXX XXXX '' to pay a vehicle repair bill of {$2200.00}. The card was declined. I called customer service and they informed me that my limit was {$500.00}. I told them that in order to use this card to run my business I would need a higher limit. They raised my limit to {$5000.00}. They also informed me that my billing cycle was 7 days. I told them I needed it to be 30 days. They said they will take care of that and I will receive a confirmation email. I never received an email and 2 weeks later they charged me a {$270.00} late fee. I was then charged a {$5.00} high risk fee. I paid the bill of {$2200.00} but not the fee. I called customer service and requested the late fees to be dropped. They said they can't drop them but will credit the account the amount of the fees but I still need to pay them. I no longer want to do business with this company and want my balance to show {$0.00}. How many people have been charged {$270.00} for a late fee. I feel like this should be a lawsuit situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX I received my credit report and I checking to make sure everything was reporting accurately on my accounts. When I went to the collection section and I noticed there was two collections reporting on my report. The name of one the companies is XXXX XXXX XXXX for the amount of {$5200.00} thats been reporting open since XX/XX/XXXX. 

The next collection is with the company called XXXX XXXX XXXX for the amount of {$150.00} thats reported open from XX/XX/XXXX. 

On XX/XX/XXXX I sent both companies a Cease and Desist Letter informing both of them that they are in violation of the consumer law 15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHES OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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.

Ive stated to them I have no contract with neither company nor have they sent me any dept validation as Ive asked to even verify that I had a written and signed agreement to even pay either company of the alleged dept they have both just ignored my request. 

XX/XX/XXXX I noticed on my credit report my credit card company XXXX XXXX XXXX XXXX is reporting two late payments from XX/XX/XXXX of 30 days late and XX/XX/XXXX as 60 days late. 

XX/XX/XXXX I noticed on my credit report my loan I took out from XXXX XXXX is reporting 30 days late on XX/XX/XXXX. Ive sent both of these companies stating that they are both violating the law as well as stated in Pursuant 15 USC S16813 2 ( A ) 1 ) - EXCLUSIONS- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s-3 of this title, any- report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions between the consumer ME and the person YOU Put the Creditor Name here Making the report is not INCLUDED on my Consumer report! 
A Late payment is a transactional history, My HISTORY with vour company. CONGRESS clearly state that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports!

These four items on my credit report have damaged my livelihood and reputation for getting credit lines
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously tried to resolve this issue, of unauthorized inquires on my credit report, with Experian. I contacted Experian over the phone and was told that there was nothing they could do and I would have to contact the creditors. I contacted the creditors and filled another disputed with Experian, with attached letters of the creditors stating they have no records of me. I mailed this letter certified mail. USPS tracking XXXX XXXX XXXX XXXX XXXX XXXX stating it was delivered to Experian on XX/XX/XXXX. Experian has failed to respond in the allotted 30 day time frame required by the FCRA. Therefore according to the FCRA the disputed items have to be removed immediately. The UNAUTHORIZED inquires are listed : XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, and XXXX XXXXXX/XX/XXXX Furthermore I have attached a letter from XXXX XXXX stating I am not in their files and the inquiry should be removed. I have attached a CFPB response from XXXX stating I am not in their records and the inquiry should be removed. I have tried to contacted XXXX XXXX   through a certified letter ( delivered XX/XX/XXXX ) in which they failed to respond to. I also opened up a CFBP complaint ( XXXX ) in which they have not responded in the allotted time so I can only assume they also do not have me in their records since this an unauthorized inquiry. I have attached a certified letter to XXXX  ( deliveredXX/XX/XXXX) to which they have not responded. Again only assuming they have no records of me.

I request that you immediately delete this information from my credit reports. To continue to report these inquires on my report would be a violation of the FCRA of unverified and inaccurate information. Please do not tell me it will take 30 days I know it does not take that long and I have provided you proof from the creditors themselves that this information should not be reported. Thank you for your prompt attention to this.
Product: Credit reporting or other personal consumer reports

discharged through bankruptcy XXXX XXXX capitol one sold it to a collection agency XX/XX/year>.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 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

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted by certified mail to all three credit bureaus Affiant Affidavit in Affirmation of Facts, please see attached. 
Similarly, XXXX does not establish the ownership of this account in accordance with the attached documents and is therefore fraudulently collecting and reporting to credit reports. 
Failure to remove such information from my consumer credit report will constitute legal violations under FCRA based on negligence, and all three credit bureaus will be held liable in court. Please note that I am in the process of buying a house and that you may be liable for both punitive and statutory damages.
Product: Credit reporting or other personal consumer reports

Date : XX/XX/year> Subject : Complaint Regarding Violations of the Fair Credit Reporting Act ( FCRA ) and Truth in Lending Act ( TILA ) I am submitting this complaint regarding violations of my rights as a consumer under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ) by Experian Despite my previous correspondence, which requested the removal of the above-mentioned account due to inaccuracies and failure to validate the information as required by law, Experian has not conducted a proper investigation nor provided the required documentation. 
Reasons for Complaint : 1. Violation of the FCRA : o Investigation Requirements ( 15 U.S.C. 1681i ) : Your verification response did not include a sufficient description of the investigation process, as required by the FCRA. You failed to adhere to the obligation to provide a thorough and detailed account of the steps taken to verify the information.

o Permissible Purposes ( 15 U.S.C. 1681b ( 2 ) ) : The information provided did not comply with the permissible purposes outlined in the FCRA. The verification process failed to meet the established standards for handling and reporting information.

o Privacy Rights ( 15 U.S.C. 1681a ( 4 ) ) : The continued inclusion of this bankruptcy record and associated accounts infringes upon my privacy rights. The failure to follow appropriate procedures for handling sensitive information constitutes a violation of this section.

o Description of Investigation ( 15 U.S.C. 1681i ( 7 ) ) : Credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a dispute. To date, I have not received this required information.

o Invocation of 15 U.S.C. 609 ( a ) ( 1 ) ( a ) and 15 U.S.C. 609 ( a ) ( 2 ) : I am invoking these provisions to request the removal of this account and to demand proof of its verification. The failure to complete this verification constitutes an abuse of my rights.

2. Violation of the TILA : o Disclosure Requirements : Experian failed to provide accurate and timely disclosures regarding the account status, breaching the TILA requirements.

3. Federal Consumer Protections : o Title 15, Chapter 41 : The failure to provide adequate proof and the apparent disregard for my rights under the FCRA indicate a violation of federal consumer protection laws.

o Public Law 91-506, Title VI, Section 611, Subsections A-D : This law stipulates the procedures for the removal of inaccurate or incomplete information from credit reports. The response and verification process did not comply with these provisions, necessitating the removal of the bankruptcy record. 

Immediate Action Requested : Delete Immediately for Violations of the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ) : XXXX. Creditor Name : XXXX XXXX XXXX o Account Number : XXXX Present below the inaccurate information persistently affecting my credit report.
Product: Credit reporting 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. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX  XXXX, Acct # XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

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: Debt collection

I dont owe this debt I paid for what I was initially charged this charge was subsequently added for miles I NEVER DROVE .. they text constantly and I want them to stop if they report it to my consumer reports I will dispute that as well They will be in violation of 15 USC 1681 ( a ) ( 2 ) which states that a consumer reporting agency may furnish a comsumer report in accordance with the written instructions of the consumer. I the consumer never gave XXXX written consent to report anything on my consumer report. No consent is identity theft. I demand that you remove these inaccuracies off my consumer report immediately. If they are not removed I will not extend my credit to anyone or allow any CRA to furnish a report for me. I would like to state pursuant to 15 USC 1681 ( a ) ( 1 ) that the banking system is dependent upon fair and accurate consumer reporting. By allowing CRAs these inaccuracies to be furnished on my consumer report, it may cause me to lose confidence in the banking system. If CRAs want to continue to do business with me, they should delete these inaccuracies off my consumer report.
Product: Credit reporting or other personal consumer reports

In reviewing my credit report, I noticed several entries of late payments that appear to be incorrect. These errors are inconsistent with my usual payment habits. Please make the necessary updates to my account.
Product: Credit reporting or other personal consumer reports

I reviewed my credit report and noticed there is a collection account I do not recognize. I initially reached out to the credit reporting agencies and they stated that the information was valid. I also noticed that this collection is only reporting on XXXX credit agencies XXXX and XXXX per my consumer rights and my right to privacy any item on my report should be the same on all three credit agencies and no collection should have a balance listed. I did state that this account does not belong to me and they did not remove the information. I have a right to remove anything on my report that is not accurate. I do not have any documentation used that this company debt belongs to me. I chose to OPT OUT of any reporting from this company and would like this removed from my report and an updated report showing the change. Or if you feel I have made an error and can prove this collection belongs to me please send the original contract and what documentation used to show that my signature is on contract and debt belongs to me. And please remove all fraudulent inquires per the FCRA.
Product: Debt collection

There were two fraudulent charges submitted to my Paypal account on XXXX XXXX, 2020 in the amounts of {$790.00} and {$1000.00}. Paypal is refusing to remove the charges from the account after providing them with sufficient proof.
Product: Mortgage

I have been trying to get a loan mod from Selene Finance for over a year. 
Selene Finance has refused to give me any notification that they denied my loan modification request. I was only told over the phone by XXXX that my loan mod request was denied 5 times and there was no reason for the denial. Now they are notifying me that they will auction my house on XX/XX/2018. 

At mediation earlier this year, the lawyer for Selene Finance lied in mediation three times in front of the judge. He said he had sent me a loan mod package. He said I did not accept a loan mod package he sent. And he said that I had never sent a loan mod package ( which contradicts his first two lies ) ; He presented a loan mod package in mediation which was basically saying pay the same mortgage you can't afford to pay.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX All these companies reported unauthorized inquiries without my consent.
Product: Credit reporting or other personal consumer reports

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts 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

My account with EQUIFAX was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.
They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

EQUIFAX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

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


Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act the below have have violated my rights. 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 an account without my written instructions. Account name XXXX XXXX Account number XXXX I have never been late on this account is needs to be updated to Paid as agreed
Product: Credit reporting, credit repair services, or other personal consumer reports

There is information thats on my credit report that I did not consent to and I did not provide written information or instructions for the identified transactions to be reported on my consumer report. I am requesting that the report of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified accounts are not information related to any transaction by me as the consumer : XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX. These transactions should be removed according to 15 U.S. Code 1681c-2. You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. Thank you.
Product: Credit reporting or other personal consumer reports

I contacted transunion to remove an unauthorized inquiry off of my credit profile and they refused.
Product: Credit card or prepaid card

I had a XXXX XXXX XXXX visa. 

It transferred to commenity. 

Since transferring to commenity they have : 1. not sent me a card and demanded payments with no way to access the account and no notice that I was transferred from either bank. 

2. Gave me the work around and placed the blame on me every time I call customer service. 

3. Raised and adjusted my interest rate from 21 % to almost 25 % on a whim. 

4. Lied and said that my interest rate was higher In XX/XX/XXXX ( when I didnt have the physical account ) and they lowered it. 

5. Refused to remove a false delinquent account error.
Product: Debt collection

This will be the seventh complaint submitted to CONSUMER FINANCIAL PROTECTION BUREAU ( hereinafter " CFPB '' ) starting from XXXX XXXX, 2016 until today XXXX XXXX, 2016 against CALIBER HOME LOANS , INC . This complaint will be another addendum to the prior XXXX prior complaints submitted against CALIBER HOME LOANS, INC., which are Case Numbers XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. 
XXXX ( hereinafter " XXXX '' ) my true and lawful Attorney-in-Fact contacted CALIBER HOME LOANS, INC., on Friday, XXXX XXXX, 2016 and someone named XXXX, SINGLE POINT OF CONTACT AGENT, TELLER ID. NO. XXXX answered the phone. Like the other XXXX prior case numbers as listed above, XXXX kept XXXX hostage, by delaying, prohibiting, and stonewalling XXXX from speaking to a SUPERVISOR or HER SUPERVISOR, until SHE finally connected XXXX to XXXX, SUPERVISOR, TELLER ID. NO. XXXX relating to CALIBER CONDUIT ACCOUNT NUMBER XXXX almost XXXX minutes later. This abusive and intentional draconian practices needs to cease and desist IMMEDIATELY now and in the near future anytime XXXX contacts CALIBER HOME LOANS , INC .