23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Complaint and QWR to Caliber Home Loan , Inc. and XXXX XXXX XXXX XXXX XXXX According to my Note, only the Note Holder can demand from me payments; declare me in Default and initiate foreclosure of my home because this Note Holder paid VALUE ( money ) for my debt and was entitled to receive but not received my payments. 

My Mortgage said that my NOTE or part of my Note may be sold. My Note is not endorsed to anyone. XXXX forged XXXX, XXXX dated XX/XX/XXXX, another is undated, stated that the payee is Caliber Home Loan , Inc. 

On XX/XX/XXXX Caliber personally confirmed to be the Note holder. Please state if XXXX paid value for my Note, whom they paid this value and the amount of value, in $ $ XXXX 

On XX/XX/XXXX Caliber said that the CURRENT owner of THIS loan is XXXX. On XX/XX/XXXX Caliber said that they are serviced the Investor. 

Please state the full name of this Investor and if this Investor was the Holder of my Note, in due course if another company, XXXX, claims to be the CURRENT owner of my alleged loan and insisted that XXXX PURCHASED my loan from unknown to me parties on XX/XX/XXXX Please identify of which particular loan XXXX  is the current owner Here are XXXX different loan numbers, XXXX of which under Calibers name. Which of these XXXX loans is CURRENTLY owned by XXXX. 

Please identify the person ( s ) or entities that were entitled and are currently entitled, directly or indirectly to the stream of revenue from me, as the borrower in the subject loan. 

State the NAME is the company who hired Caliber Home Loan , Inc as a Servicer ; and the name of its individual employee who was responsible for hiring Caliber. 

The NAME of the company who authorized transfer of Servicing from XXXX XXXX XXXX XXXXXXXX to Caliber and the NAME of its individual employee. 

The NAME of the company who authorized transfer of Servicing from Caliber to XXXX in XX/XX/XXXX and the name of its responsible employee. 

XXXX XXXX XXXX XXXX Loan Number XXXX Caliber Home Loans , Inc. Loan Number XXXX Caliber Home Loans , Inc. Loan Number XXXX XXXX XXXX XXXX XXXX XXXX  Loan Number XXXX
Product: Credit card or prepaid card

I have 4 cards with capital one. I spoke with them multiple times about the XXXX hardship i have been experiencing. I asked them about a hardship program to help pay down my balances. The interest rates they charge me are so high. They were unwilling to help me. I closed all the cards yesterday.
Product: Credit card

On XX/XX/XXXX, there were a handful of fraudulent charges placed on my credit card with Chase - four separate transactions totaling {$2400.00} ( {$2100.00}, {$270.00}, {$31.00}, and {$6.00} respectively ). 

I noticed these charges on XX/XX/XXXX and reported them as fraud right away, cancelling my credit at the same time and requesting a replacement in the process. Chase subsequently gave me chargebacks on the charges flagged on the same day. 

I received a voicemail on XX/XX/XXXX that requested a callback to Chase but did not explain any context. When I received that XXXX and later an email with a formal decision to decline the fraud, I called Chase back on XX/XX/XXXX to get further information. They claimed that since I used the card in person, that they could not accept the fraud dispute. I then provided them with evidence showing that XXXX ) there were multiple charges on the same credit card in XXXX, TX ( my residence ) on the same day, XXXX ) flights confirming that I was in Texas that week as opposed to XXXX where the charges were made, and XXXX ) evidence of XXXX receipts for events that I attended in-person on XX/XX/XXXX to show that I was physically in Texas. 

I received a letter in the mail on XX/XX/XXXX that stated Chase has decided to uphold their decision to reject the fraud. I plan to reach out to Chase directly to receive supporting documentation to support that decision but want to additionally open up a complaint to get this handled separately.
Product: Debt collection

I relinquished my rights to a house and gave the house to my ex, I made sure in the divorce decree it started I am not responsible for any charges. The home went into foreclosure in 2014 and XXXX has reported late payment activity against me. I have try to dispute it many times. I need help removing this from my XXXX, it is keeping me from accessing the equity I have in the current home I own. My credit is excellent except for that. I hope you can help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several disputes in the past to have the account reported under XXXX XXXX XXXX removed from my credit reports due to being inaccurate. I contacted XXXX XXXX XXXX to dispute the information as well and have yet to receive a response. The latest letter I sent to XXXX, TransUnion and XXXX to exercise my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request " a description of the procedure used to determine the accuracy and completeness of the information ... ect. Neither XXXX, TransUnion nor XXXX, have provided me this information in the 15 day time period allowed and I am making this complaint to show abuse, bias, and prejudice by them not affording me my rights under the FCRA or deleting the information from my credit report.
Product: Debt collection

HI MIDLAND ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Product: Debt collection

I have called this co. 3 times about this and they insist on me giving my personal info such as social number and date of birth and I refused. I gave them the reference no., they told I had to give them my DOB ans last four of my social which I refused and they hangup the phone. a XXXX XXXX told me if I did not give the info they requested they would not have to talk to and he hungup on me. 
I TRIED TO TELL THEM EACH TIME I DO NOT OWE THIS DEBT THEY HUNG ON ON ME. I FEEL LIKE THIS WAS VERY RUDE AND DISRESPECTABLE TO ME AS I WAS NOT GIVEN THE OPPORTUNITY TO EXPLAIN. 
THEY WERE RUDE!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!
Product: Credit reporting or other personal consumer reports

I'm putting down to give my nervousness concerning the tried accounts on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably alluded to that they be totally XXXX XXXX Notwithstanding what my undertakings, I in the long run can't get any objective or steady turn of events. These off track records are truly hurting my credit document and obstructing my ability to happen with a standard life. The obnoxious aftereffects of these mistakes have caused tremendous hardships for me, and I'm left with no choice close to rapidly fight for your assistance with reviewing what's happening. I liberally request that you direct a vigilant assessment concerning the fundamental of these tried records. It is basic that the main pushes are taken to reestablish and alter my credit report right away. With your help, I really want to restore the exactness and dependability of my credit record so I could recover control over my money related accomplishment. I really request that you present this matter your for the most part ludicrous suggestion and take a fast action. Your assistance and moving in settling this issue quickly would be astoundingly basic. Much appreciation to you without skipping a beat for your understanding and help.
Product: Debt collection

My father went to the ER at XXXX XXXX XXXX XXXX in XXXX TX. The hospital registration erroneously thought I and my father were the same since we have the same basic names- XXXX XXXX XXXX although I have a XXXX name which is XXXX XXXX My father was n't able to pay some of his bills since he does n't have insurance. Unfortunately the hospital used my SS # and assigned it to my father 's account. This was sent over to the collection agency PROCOLLECT. Since it 's my SS # my credit report and score are now adversely affected. I contacted ProCollect and even sent documents so they can change the SS # to my father 's but they refused to help me. The account manager, XXXX, even accused me of taking over my father 's debt, saying I am now responsible for it. I did not sign any paper to assume my father 's debt, and XXXX could n't produce XXXX. I have contacted the hospital too, they sent me a letter apologizing for their mistake. Their business office, according to them, has contacted ProCollect so they can correct the error and XXXX the hospital assured me that ProCollect promised to fix the error which has not happened. 
I am writing to please beg and implore to help me with this situation. I can still open new credits but with less favorable terms. I want to shop for auto and home insurance but I get less favorable quotes because my credit score plunged from XXXX to XXXX. All I 'm asking is for ProCollect to change the SS # on file on my father 's record from mine to his since the debt in question is not mine. Until this day they refuse to do so and I am being punished for something I did not do nor obligated to settle. I will attach documents as soon as I know how to do so. Thank you very much
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 XXXX XXXX XXXX XXXX maliciously placed a {$390.00} amount on my personal credit report with XXXX XXXX TransUnion and XXXX. They have NO supporting documents or any evidence of me owing the debt.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the collection account listed on my credit reports with TransUnion, XXXX, and XXXX, Upon careful review of my credit reports, I have identified discrepancies in the reporting of this account that I believe require immediate attention and correction. 

Please find below the details of my dispute : Incorrect Account Status : The account status is reported as " Open '' on all three credit bureaus, which inaccurately reflects the current status of the account. While the account may have experienced past delinquencies, it is currently being paid as agreed. Therefore, the account status should be updated to accurately reflect that it is " Paid as agreed '' or " Current. '' Inconsistent Payment History : The account history indicates past delinquencies, with XXXX reporting past due status multiple times. However, there is inconsistency among the credit bureaus regarding the reported delinquency periods. This discrepancy requires clarification and correction to ensure accurate reporting of payment history. 

Discrepancy in Balance Reporting : There is a discrepancy in the reported balance across the credit bureaus. While TransUnion and XXXX report a balance of {$6.00}, XXXX incorrectly reports a balance of {$0.00}. Given that the balance is a critical factor in assessing creditworthiness, I request verification and alignment of the reported balance across all three bureaus. 

Date Last Active : The date last active varies among the credit bureaus, with TransUnion reporting XX/XX/year>, while XXXX reports a different date. This inconsistency raises concerns about the accuracy of the reported information and requires verification to ensure consistent reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account ( XXXX XXXX ) ending in XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
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/www.ftc.gov 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/items which do not belong to me or were opened without my permission. 

XXXXXXXX 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 XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$3000.00} XXXX XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX Balance {$38000.00}, XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX Balance {$7900.00}, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX Balance {$22000.00}, XXXX XXXX  XXXX Date opened XX/XX/XXXX Balance {$950.00}, XXXX XXXX  XXXX Date opened Balance {$2700.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$6900.00} XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$3900.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$3500.00}, XXXX XXXX XXXX  XXXX. XXXX Date opened XX/XX/XXXX Balance {$4400.00}, XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$2100.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$7900.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$4100.00}, XXXX XXXX XXXX ( Original creditor XXXX ) XXXX Date opened XX/XX/XXXX Balance {$9100.00}, XXXX XXXX XXXX XXXX ( Original creditor XXXX XXXX ) XXXX Date opened XX/XX/XXXX Balance {$1600.00}, XXXX XXXX XXXX XXXXXXXX ( Original creditor XXXX XXXX ) XXXX XXXX XXXX XX/XX/XXXX Balance {$230.00}, XXXX XXXX  XXXX Date opened XX/XX/XXXX Balance {$1300.00}, XXXX XXXX ( Original creditor XXXX XXXX XXXX XXXX ) XXXX Date opened XX/XX/XXXX Balance {$320.00}, XXXX XXXX  ( Original creditor XXXX XXXX. XXXX XXXX Date opened XX/XX/XXXX Balance {$10000.00}, XXXX XXXX XXXX XXXX ( Original creditor XXXX XXXX XXXX XXXX ) XXXX Date opened XX/XX/XXXX Balance {$1600.00}, and XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$9400.00}. 

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

I contacted Firstmark by e-mail on XXXX XX/XX/2023 regarding outsanding balance and payment history they were reporting for my privae student loan. I explained they'd been reporting incohate payment history, ie payment history for a future month, and a balance history that was ten ( 10 ) times what it should be. The representative, XXXX XXXX respnded via e-mail on XXXX XX/XX/2023 and acknowledged the incorrect payment history. She and performed an off-cycle update for the account on XXXX XX/XX/2023. XXXX received the update for the FM/Firstmark Serviced Trust account/tradeline on XXXX XX/XX/2023. XXXX notified me of the off-cucle update on XXXX XX/XX/2023. According to the data transmitted, the account is now allegedly ninety ( 90 ) days past-due from the off-cycle update on XXXX XX/XX/2023. Although Firstmark has consistently mailed my statements to addresses that I do not live at, and that change form every two months ( see CFPB complaint XXXX ), Firstmark 's own system alleges payments on the account have been made through XXXX XX/XX/2023. The due-date established under CFPB interpretation of TILA/Regulation Z appears to be the XXXX ( XXXX ) day of each month. In examining the statement generated on or around XXXX XX/XX/2023, the alleged statement due date is XXXX XX/XX/2023. Thus, the payment history furnished is false/misleading/inaccurate because it implies a delinquency history that would not have occured by the due date of the statement. This seems to occur each time I file a dispute with the CRAs regarding the account.
Product: Debt collection

I have received a garnishment on my most recent payroll from my place of employment at XXXX XXXX in XXXX, Illinois XXXX in the amount of {$170.00}. Today XX/XX/2018 I received a letter from Newman, Hesse & Associates, which I have attached and uploaded. This letter has Case No.  XXXX and I have no idea where this came from?
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax after several attempts to get a complete credit report. Equifax sends few pages all mixed up. they will not send a complete report with all the pages they send pages missing and not a full report. Skipping pages and sometimes 3 pages other times 1 or 4 pages. ( I did not request a credit score ) I requested a full detail credit report from Equifax.On XXXX XXXX there claim is on there letter is no current file, no recent credit applied for, no credit in last 10 years just some excuse of there error after error and not sending the full report as requested several times. nothing but the run around with Equifax. I have also filed with the US Attorney office consumer issues. 
My name is XXXX XXXX not ( XXXX XXXX ) as you keep adding a ( XXXX  ) to XXXX you have my social date of birth as well as my name spelled out stop playing games with my name and error after
Product: Money transfer, virtual currency, or money service

I sold my babys crib on XX/XX/2020. The buyer transferred {$110.00} to my phone number using XXXX XXXX  XXXX XXXX. I received an sms to accept the amount. As my phone number wasnt registered on XXXX I was told to wait for 3 working days for the amount to appear in my account. The buyer says that ot has been debited from their account but I havent received it. I contacted my bank PNC about the same on XX/XX/2020 and they say its an issue with senders bank ( XXXX  ). The sender says that they contacted their bank and the issue is with my bank.XXXX  says as I have XXXX with my bank they can not help me. I have attached senders bank statement and mine too
Product: Debt collection

Debt in quesition is medical with the XXXX XXXX and involves serveral surgical proceedures and resulting XXXX, care, and time admitted to one of 3 clinic facilties. Initial XXXX proceedure XXXX  XXXX XXXX XXXX XXXX  was done on XX/XX/2021, approx 7 months later than expected due to constant hospital covid delays. Approx 6 days following XXXX readmission occurred for a XXXX XXXX which involved another XXXX proceedure a XXXX to attempt to clean the original site. A mixup with medication resulting in a medication interaction XXXXXXXX XXXX XXXX XXXX XXXX XXXX was the last thing done. Was finally discharged after additional days to try and restart normal XXXX function, recieved a script upon discharge for a blood thinner which becasue of timing XXXX XXXXXXXX caused a major bleeding event that then had to be treated over the next several months. The XXXX XXXX was informed that these debts were in dispute and not being paid because of the damage done by their practices. There are more details available upon request.
Product: Credit reporting or other personal consumer reports

Pursuant to 15 U.S. Code 1681c-2, I demand the immediate deletion of the account associated with XXXX  XXXX XXXX from my credit reports with XXXX, XXXX, and TransUnion. It has been four business days since I presented the Federal Trade Commission ( FTC ) report identifying this account as fraudulent.

Under 15 U.S. Code 1681c-2, consumer reporting agencies are required to block the reporting of information resulting from identity theft within four business days of receiving an identity theft report. I have diligently provided the necessary documentation to support the fraudulent nature of the XXXX XXXX XXXX account. 

This statutory provision is clear in its mandate, and the failure to comply within the specified timeframe is a violation of federal law. I emphasize the urgency and intensity of this matter. The account must be promptly deleted to rectify the harm caused and to ensure compliance with the Fair Credit Reporting Act. 

It is crucial to note that I am fully aware of my rights under the law, and any further delay or non-compliance with this request will leave me with no alternative but to pursue legal action. I am prepared to take legal measures to address this violation, including filing a lawsuit seeking damages for the willful non-compliance with 15 U.S. Code 1681c-2. 

I expect immediate action to rectify this situation, acknowledgment of the removal of the XXXX XXXX XXXX account from my credit reports, and confirmation of compliance with the specified federal statute.
Product: Checking or savings account

On XX/XX/2023, I had online fraud on my debit card for {$290.00}. The bank denied my fraud claim despite the fact I filed a police report because I found the person ( a total stranger ) responsible via XXXX. I would like my money back.