23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Dear Sir or Madame, I am a university professor and am under contract to sell my home and purchase a new home that would significantly improve my commute. 

I applied for a mortgage with Calibar Home Loans. I initially received a pre-approval letter. My contract to sell includes a contingency clause to back out for failure to complete the purchase but includes a {$2000.00} penalty to do so. I entered into this agreement only after having consulted with my loan consultant regarding risk. He suggested there was " none ''. 

I later received an approval for an FHA loan ( attached ). It was presented to me as a " commitment ''. It was presented to me a month before the anticipated closing date of XX/XX/. A week and a half ago, the mortgage consultant I was working with suggested that my " commitment is very clean ''. I presented it as such to my attorney, who, in turn, presented it as such to my seller and buyer. 

At the eleventh hour, the month of the closing and after having presented me with an FHA anchored loan commitment, Calibar tells me that they made a mistake and that my student loan debt creates an untenable situation with DTI ratios. Having been through FHA mortgages before, I was well aware of the historical complications with respect to ( and changes made to guidelines respective to ) the calculation of Income Driven Repayment ( IDR ) and Income Based Repayment ( IBR ) payments. Before even proceeding with the loan application, I flagged this issue for discussion with the loan consultant. He told me in no uncertain terms that the calculation was currently based on the monthly payment made reported on the credit report. In the end, Calibar is now stating the proper calculation is to take 1 % of the debt and amortize it as a 30 year loan and use that hypothetical monthly payment for underwriting purposes. 

I have good credit ( XXXX FICO ). I have consulted with an outside mortgage broker and they are optimistic that they can find an investor so long as my partner ( Civil Union NJ ) is included in the application. Calibar said they won't underwrite my partner. The problem, of course, is the time this will now take and whether all parties are willing to wait.

I wrote executive officers on XXXX and was promised communication at the executive level. I never received this. 

In short, I have been put in a very precarious situation due to Calibar 's *very basic and documented error* and Calibar should be doing everything they can to close the loan. They carry portfolio loans and sell their own products. 

I am starting to wonder if my name weren't XXXX and if I weren't in a XXXX relationship if I would be treated with such disregard. 

I look forward to a resolution to this situation.
Product: Debt collection

I received a call from a friend in Hawaii who advised me that some named XXXX XXXX representing himself from Direct Recovery Services at XXXX left her a message on her voicemail regarding a so-called debt collection and named me as the debtor. On her voicemail, XXXX XXXX shared account information on the recording. My friend has sent me recording. 

Not knowing what this was about but calling Direct Recovery Services out of concern, I got a female representative who was very rude. I asked her if it's legal for them to leave account information on a 3rd parties voicemail and she said yes. She attempted to say additional things in which I did not hear and when I asked if she could repeat what she said because I had not heard the last part of what she was saying clearly, she asked I needed any additional help but never repeated what she said as I asked, then she had stated she had another call holding and she hung up the phone on me. 

I didn't appreciate how this entire situation has been handled and I'm still not clear on what this is even about. I don't even think I have a debt with this agency and I believe they are committing fraudulent acts.
Product: Credit card

I have a recurring subscription with a major computer virus protection vendor. I still want and renewed the service BUT on the renewal date ( XX/XX/2024 ) they tried several times to go thru an old card in my profile which kick them out and set the XXXX XXXX to text/ call me and set a block charge and send me " fraud alert ''. Then then I checked my profile on the vendor and found another old / cancelled credit card number on file that had an expired date ( this number did have a previous issue ), but the vendor representative said they have a deal with the credit card company to transfer charges to the next available open account, which they did, confirmed by current statement. I have since updated my profile with the vendor. CAN the two of them they really do this?
Product: Credit reporting or other personal consumer reports

Please review the attached docs. 

My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history 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 to be updated. 


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 XXXX XXXX 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! 


Update the late payments from my consumer reports
Product: Credit reporting, credit repair services, 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 items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information to 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 transactions are not information related to any transaction by me as the consumer : XXXX XXXXXXXX XXXX ACCT. # : XXXX In accordance with the Fair Credit Reporting Act, the following businesses and referenced accounts have violated my rights : XXXX XXXX XXXX XXXX  # : XXXX 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 states that a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

On XX/XX/2023, I received a debt collection notice from Albertelli Law requesting that I respond to the notice. 

On XX/XX/2023, I responded to the notice by paying the amount requested on the notice. 

On XX/XX/2023, I received a XXXX package from Albertelli Law with a refunded check for the exact amount I sent. The check that was sent back was dated XX/XX/2023. Along with the check was a notice dated XX/XX/2023, stating that the amount sent was not the correct amount owed and that the eviction would proceed. 

On XX/XX/2023, I called the number listed on the notice that was sent on XX/XX/2023, and the number was disconnected. I also called the number listed on the notice received on XX/XX/2023, and was told that was not the correct number as it was for foreclosures. The lady on the phone gave me the number for the evictions. 

On XX/XX/2023, I received an email from Albertelli Law stating that a response to my questions that I sent to the landlord would be responded to. 

On XX/XX/2023, I emailed the attorney to let them know I was still awaiting a response. 

On XX/XX/XXXX, I left voicemails for the attorney at the office and on the cell number listed in the previous email. I finally received a call back and the attorney stated they were filing a writ of possession. I then received an email with the same information. I responded that I had not received an answer to my questions. 

As of today XX/XX/2023, the attorney still has not given me the requested information.
Product: Credit reporting, credit repair services, or other personal consumer reports

For more than a year, I have been trying to resolve the 30-day late payment that appeared on my XXXX  credit report from Cumulus Funding for the month of XX/XX/XXXX. After making numerous contacts to resolve, I discovered that, the error was due to a late payment that they agreed to correct while being under doctors care. This occurred during the months of XX/XX/XXXX thru XX/XX/XXXX. After being assured that all would be taken care of, Cumulus Funding instead reported late to XXXX. I was advised that, they had no control and refused to honor their promise to remove. I was then advised it was up to me to dispute with XXXX  and I did just that. I have written countless dispute letters for more than a year and no removal. I explained that out of good faith, I called and advised of my situation and they did not hold to the agreement. I have been trying to clear this matter for over a year with XXXX  and Cumulus Funding directly. I appreciate any assistance you can provide in clearing this matter.
Product: Credit card or prepaid card

I was charged a fee in error by Citibank after my balance was paid in with a verified online transfer from my checking account for {$590.00} on XX/XX/2018. During that call and when the online payment was made and verified, an agreement was made with the Citibank agent that my account would be closed with no further action required on my part. On XX/XX/XXXX my account that was since closed was charged a late fee of {$34.00}. Since then the account has accumulated additional late fees and interest to almost {$300.00}. I would expect that during the transaction made on XX/XX/XXXX that they would have a recording of that phone call. I believe they have charged off the balance but they have not addressed the negative reporting to all of the credit reporting agencies.
Product: Debt collection

In the span of a yea-this company has harassed me for money that I do not owe them. They have referenced XXXX XXXX XXXX  who have never done business with. This company has so many lawsuits and complaints. They are in violations of my rights based on the laws that protect consumers. We never had any account with this company. This company has not provided any information regarding debt owed. We have sent a cease and desist to stop further communication of this company. We are seeking legal action against this company for continued harassment for a non existent claim that is without merit.
Product: Debt collection

I have had something appear on my credit for {$390.00} -- it was from Enhanced Recovery and they have advised that the original credit was XXXX XXXX XXXX .. it has an opened date on my credit report of XX/XX/XXXX I have tried to call the company and explain that this was not my debt and that my service has been with another company for over 8/9 years -- they did mail me something but it was not anything with a signature or anything proving it was me.. it was like a final bill from XXXX XXXX XXXX -- I need this removed -- i also tried on XX/XX/XXXX to dispute it through XXXX and it just came back as verified correct -- but it is not.. and they refuse to provide proof of the original debt -- They did have a bill but without a signature on something it is my feeling that this could have been anyone -- and they are still reporting negatively
Product: Credit reporting, credit repair services, or other personal consumer reports

The below account has been submitted to a collection agency in error. I have contacted the original debtor to verify that it was submitted to XXXX XXXX XXXX XXXX as a mistake. I am attaching the corresponding letter from the original debtor XXXX XXXX XXXX for reference. This account has been submitted as a collection account on all three credit profiles. I have since contacted XXXX, Experian, and XXXX  to have this account removed, to no avail.
Product: Checking or savings account

I am hoping that your firm can help me with the issue addressed below. 

Issue : At the beginning of XXXX of XXXX Capital One Bank restricted my checking account because of XXXX or XXXX money order deposits, amounting to {$10000.00}, made by an anonymous person. Capital One Bank will not allow me access to such funds.

Furthermore, Capital One Bank will not close my account, after several requests to do so. 

Capital One Bank refuses to tell me when this issue will be resolved. They tell me that the matter is under an internal investigation, without providing me with a timeline for the end of such investigation. 

So far, I have spoken on the phone with the security team at Capital One Bank about four times. The last time I spoke to one of the security team staff was today, Tuesday, XX/XX/XXXX. 

I do not know the identity of the person who made the mentioned deposits ( at the beginning of XXXX of XXXX ), which amount to {$10000.00}. I suspect its one of a few relatives who owes me money from a loan I extended to him several years ago.

I also suspect that one of such relatives returned the money to me anonymously because they do not wish to be associated with me in any way, due to some very damaging, but false, press reports about me several years ago. 

I wish to gain access to my money ASAP, and to close my account.
Product: Money transfers

I was scammed out of {$800.00} on XXXX. The lady pretended to be my former supervisor stating the government was giving out free grants. She said I qualified but needed to pay a fee. I sent the money through XXXX. I sent it to XXXX NC XXXX. She picked up my money at XXXX The text number she used to stay in contact with me was XXXX. Another text number that was used to contact me was XXXX.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

XX/XX/XXXX Subject : Formal Dispute of Inaccurate Late Payments on XXXX Mortgage Account Dear CFPB, I am writing to formally dispute the accuracy of late payments reported on my XXXX mortgage account on my credit report. I previously submitted a dispute regarding these discrepancies, but despite this, the reported errors remain unchanged. In light of this, I am requesting that Equifax conduct a thorough re-investigation into the inaccuracies detailed below. Additionally, pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i ( a ) ( 7 ), I request a detailed description of the investigation process followed by your agency within 15 days of receiving this dispute. 
Summary of Discrepancies The XXXX mortgage account displays significant inconsistencies in late payment reporting across the bureaus : XXXX and XXXX report late payments in XXXX and XX/XX/XXXX and XXXX, XXXX, and XX/XX/XXXX. 
Equifax shows only XXXX late payments in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
These discrepancies violate the Fair Credit Reporting Acts requirement for accuracy in reporting. I request that you thoroughly investigate these discrepancies and correct the account status to reflect Paid As Agreed Never Late accurately.

Request for Documentation Under 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ), I request a detailed description of the investigation process conducted by your agency in response to my dispute. Additionally, under 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), I request that all transactional information regarding my account that solely pertains to my experience a
nd payment history be reviewed for accuracy. I ask that this investigation be conducted within the legally mandated timeframe of 30 days and that the results be provided to me in writing.

Furthermore, if you can not provide evidence to substantiate the late payments, I demand that the account be updated to reflect its accurate status as Paid As Agreed Never Late. In the absence of valid proof, I expect immediate correction of my credit report to reflect my timely payments, which is my right under the FCRA.

Reference to PAANL ( Paid As Agreed Never Late ) The account history should reflect Paid As Agreed Never Late to ensure that my credit report accurately represents my financial responsibility. My records indicate that I have upheld all payment obligations without delay.

Thank you for your attention to this matter. I look forward to a prompt and accurate resolution in alignment with the standards set forth by the FCRA, the Consumer Protection Act, and the Truth in Lending Act. 
Sincerely, XXXX XXXX XXXX
Product: Debt collection

The disputed account has been given ample time to validate their position of maintaining a collection account on my personal credit profiles. It is now time that I request a division of the Federal Trade Commission known as the Consumer Financial Protection Bureau to demand accountability. I have never paid on any account to this organization. This company obtained my personal information from a debt pooling service. There was never a legal assignment or transfer of ownership. FTC XXXX XXXX XXXX XXXX ( 2009 ) stipulates XXXX criteria f a legal collection process : 1 ) The debt must be within the resident jurisdiction of legal collectability 2 ) the ownership transfer must be in hard copy documentation, backed up upon request and 3 ) the individual must be given ample notice or 30-days that the legal collection could be posted on a person 's credit report is not rectified within said 30-day notification. In this matter, the collection company failed on all three criteria. The CFPB needs to monitor and sanction XXXX XXXX XXXX, and a " Cease & Desist '' must once again be administered against this company for such illegal collection practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am currently shopping for car and home insurance, I learned today that there are 2 car accidents listed on a lexisnexis report that are negatively affecting my rates. Both accidents were listed as not my fault. I have the police reports to confirm this. I tried to contact lexisnexis via a phone number given to me by the insurance agent and another number I found on the web. Their answering service does not allow me to connect to a person. I tried at least a dozen times and most of those the call just disconnected without any action on my part. There is no other contact information on the website, and I would like to know how I can correct the inaccurate information.
Product: Payday loan, title loan, or personal loan

I was signed up for loan and declined to continue process on XX/XX/2020 and closed out loan. 

I was approached by sales person who also was my house cleaner and asked if her daughter could use my name on loan. I initially said yes, but after some thought decided that I did not want my credit tied to someone I was not married/related to. So I faxed in cancelling loan XX/XX/2020 and mailed in the cancellation as well. 

I was called regarding late payment in XX/XX/2020 and I contacted salesperson who told me she would get this taken care of, I was not very concerned since I had my cancellation paperwork somewhere but I did ask CS agent if there was anything I could and she said no. 
I see that the item continues to be reported on my credit report and company will not take it off.
Product: Checking or savings account

I closed my union bank account and received a check for {$9000.00} and have not been able to cashed it. I need a new acc closure check mailed to me please have union bank contact me to mail me a new cashier check XXXX
Product: Debt collection

XX/XX/2018 {$430.00} reported fraudulent account due to identity theft