23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I took out a home loan on XX/XX/XXXX with a principal balance of {$310000.00} with XXXX XXXX XXXX dba XXXX. The previous servicer of the loan was XXXX XXXX. Caliber Home Loans claims to have became the servicer of the loan owned by XXXX in XX/XX/XXXX. A Chapter XXXX Bankruptcy ( Case Number XXXX ) was filed on XX/XX/XXXX, while an Appeal from a previous BK is pending for oral hearing on XX/XX/XXXX and Caliber has yet to appear before the Court. 

Caliber sent me the attached XXXX and you can clearly see the post-petition payments during XXXX were made and they have ignored this. The federal employer identification number ( EIN ) reflected on the XXXX Form XXXX does not correspond to Caliber, but rather to their 401k Employee 's Account and this needs immediate clarification. 

Caliber has failed to post all payments made since XX/XX/XXXX, my credit has been negatively impacted, and the loan balance has been increased by {$50000.00} due to unlawful fees and costs charged with no Court Approval or Order to do so. 

XXXX XXXX si the owner of the note and has not notified me that the loan was attempted to be sold. The loan went through a XXXX loan modification and is thus a non-negotiable instrument pursuant to the UCC 3. XXXX XXXX can not legally sell the Note. 

The Assignment of Mortgage and Note endorsements are fraudulent, therefore I request a full audit of the loan. The attached subpoena has been sent to all the parties involved. Caliber has failed to properly report my payment history and information to the Credit Reporting Agencies ( CRAs ) regarding the loan since becoming the loans servicer on  XX/XX/XXXX. 

According to Caliber the loans uncollected fee balance is {$3000.00} as of the date of this letter? We continue to contact their Single Point of Contact ( SPOC ) Department at XXXX and have not received any adequate reply to our concerns.
Product: Credit reporting or other personal consumer reports

In XXXX XXXX XXXX  I made a payment regularly to XXXX XXXX  for my 3 credit accounts. I noticed the following month while trying to balance my checking account that the money did not come out. So I called to speak with a representative to get it fixed, I explained that there must have been an issue with the automated system as I have never missed a payment before or after on any of my 3 accounts. I was then told that i could not get direct information since i was not the direct account holder, which made no sense because I am an authorized user on this account. I let it go because the representative said that while they cant tell me details without my son being present even with me being an account holder, that the problem would be noted. 

I pulled my credit last month and noticed that it was not fixed! I have reached out to all 3 credit bureaus to try to get this resolved and also to XXXX XXXX who is saying they have no record of the call! 

Also there are two accounts that dont report consistently with the same account number. I have attached those as well.
Product: Credit reporting or other personal consumer reports

DELETE ALL FRAUD ALERTS Transunion # XXXX # EFCRA EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN XXXX Experian XXXX & XXXX XXXX ID SECURITY ALERT : FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. THIS SECURITY ALERT WILL BE MAINTAINED FOR 1 YEAR BEGINNING XXXX. 

XXXX FRAUD VICTIM. 'INITIAL ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE.
Product: Credit reporting or other personal consumer reports

I have been recently informed that there is negative information reported by the Bureau. 

TransUnion : 1.Account Name : XXXX XXXX Account Number : XXXX 2.Account Name : XXXX Account Number : XXXX 3.Account Name : XXXX Account Number : XXXX 4.Account Name : XXXX Account Number : XXXXXXXX  5.Account Name : XXXXXXXX XXXX  Account Number : XXXX 6.Account Name : XXXXXXXX XXXX  Account Number : XXXXXXXX  7.Account Name : XXXX Account Number : XXXXXXXX XXXX XXXX 1.Account Name : XXXX XXXX Account Number : XXXX 2.Account Name : XXXX XXXX Account NumberXXXXXXXX  3.Account Name : XXXX Account XXXXXXXX  4.Account Name : XXXX XXXX Account Number : XXXXXXXX  5.Account Name : XXXX Account NumberXXXX 6.Account Name : XXXX Account Number:XXXX 7.Account Name : XXXX Account Number : XXXXXXXX  8.Account Name : XXXXXXXX XXXX  Account Number : XXXXXXXX  9.Inquiry Name : XXXX XXXX Inquiry Date : XX/XX/year> XXXX : 1.Account Name : XXXX XXXX  Account Number : XXXX  2.Account Name : XXXX Account Number : XXXX 3.Account Name : XXXX  Account Number : XXXX 4.Account Name : XXXX Account Number : XXXX 5.Account Name : XXXX XXXX  Account Number : XXXXXXXX  6.Account Name : XXXXXXXX XXXX Account Number : XXXX 7.Account Name : XXXX Account Number : XXXX 8.Account Name : XXXX XXXX XXXX Account Number:XXXX 9. Inquiry Name : XXXX XXXX Inquiry Date : XX/XX/year>
Product: Mortgage

I was behind on Payments because Shellpoint  / New Rezmy mortgage company returned 2 payments that I sent in for XX/XX/XXXX, and XXXX did not realize this at the time because I was not residing at the property, and never received notice until I found out from my bank months later that the payments were in fact returned XX/XX/XXXX I began working with Shellpoint to bring my account current, I agreed to a loan modification, so I sent in payments for XXXX, XXXX and XX/XX/XXXX, a 3rd trial payment was due in XX/XX/XXXX, however I was working with my point of contact with shellpoint, was given the option to go on to a deferral program instead, so I opted for that option. I was told to wait for a letter in the mail with their decision. the letter never came. Weeks later I am told from my Shellpoint Contact that I was denied for the deferral program, so I asked her, now what do I do? she responded again, wait for a letter in the mail, I will then go over your options for repayment at that time. Meanwhile as I am working diligently with Shellpoint to figure out what steps needed to be taken to bring my account current, and what I needed to pay, from mid XX/XX/XXXX Through XXXX, XXXX. During that time, Shellpoint hires an Attorney on XX/XX/XXXX to file a foreclosure against my property, They do not inform me of this foreclosure, no emails, no mails, nor did the point of contact that I was working with at Shellpoint explain to me, or tell me that I was in Foreclosure. Shellpoint charged me over {$2000.00} in legal fees and other fees, now I have a foreclosure scheduled for XX/XX/XXXX. I need help. At no time did I ever tell Shellpoint that I would not pay them, we were working on the resolution while they filed the foreclosure ... .Its devastating to me, and all I get from Shellpoint is lies and deceit. What can I do, Please help me. I'm to make my payment on XX/XX/XXXX. but after reading all of the negative reviews, I do not trust them to stop the foreclosure after I make the payment and all of the wrongful additional fees that they are charging me. This all started because they returned 2 of my payments without notifying me back in XX/XX/XXXX... Horrible, deceitful company, stay away from this company, read the endless negative reviews. I don't understand how they are still in business...
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

In XX/XX/XXXX or XX/XX/XXXX of last year I called in to HSBC to set my account up on automatic payment. The representative stated that is something she could n't do over the phone and I would have to go onto the website to print and sign the form and mail it back in. She indicated that it would take some time to be entered into the system and she would " schedule '' payments for the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. XX/XX/XXXX arrived and since I had n't printed, signed, and mailed off the form I then mailed a check in, since I was told I was n't on automatic payment and I had n't submitted the form. However on XX/XX/XXXX, I check my bank statement and see that my account is in the negative. It 's negative XXXX HSBC took out XXXX payments for the month of XX/XX/XXXX. I called in and was directed to the account rep over my account, I left her a voicemail. I called in again and tried to speak with someone else, but the rep indicated the the person on my account was the only person that could help. I called in again and explain my case to another rep. since I have n't heard back from the person over my account. This rep. decided to help me, he indicated that he could see double payment on my account but I would still need to fax in proof of double payment and wait. He indicated that they would give me my money right back and the process should take XXXX days. I got off the phone with and and faxed over the requested documents. The representative of my account called me back and she stated she heard my voicemail and reviewed the notes from the previous rep and asked if I had any more questions. I asked what are the next steps. She said the team would review and determine whether they should approve or decline my case. She indicated in cases where it 's been the customers fault they would normally decline to return the money. I told her that 's not what the previous rep told me and I had no clue I was on ez pay. She indicated I could submit a letter to customer resolutions but there is nothing else she could do. So, I 've made my decisions based off false information given to me by representatives of HSBC, but yet I 'm responsible for the consequences? How fair is this? My account is overdrawn nearly {$1000.00} and I 'm suppose to be ok with this??
Product: Credit reporting, credit repair services, or other personal consumer reports

The Equifax breech put my security at risk. They used my personal information very poorly.
Product: Credit card

I am XXXX XXXX military currently XXXX. I XXXX in XXXX and as of XXXX am still XXXX. In XXXX Chase says they sent a letter saying I needed to contact them or they would close the account for non-use. In XXXX, they closed the account. I only discovered this when my credit monitoring service notified me that a change had happened to my credit profile. I tried contacting Chase and explaining that I was on military XXXX and did not receive the letter nor have any opportunity to respond to it in the time allotted and requested that the account be reinstated but they refused to discuss the account with me and continued to put me on hold, presumably to transfer me to somebody who could help, and then disconnect the call. I have been a customer with Chase for more than 10 years and have never missed a single payment. I also have XXXX other credit cards with Chase as well as a home mortgage. I have never had a late or missed payment, and my credit report has a perfect history, so there is no valid reason why they closed my account. Any lack of use recently has only been due to frequent XXXX. I even asked specifically to speak to the " Military '' department of Chase, who is supposed to specialize in helping service members, and I was gain put on hold and then disconnected, never being permitted to speak to anybody.
Product: Credit reporting or other personal consumer reports

Transunion this is my final notice to your company. The creditor and your credit reporting agency has previously acknowledged your inability to provide original documentation that substantiates my ownership of this debt relating to the account on my credit report XXXXXXXX XXXX XXXX. So much so that XXXX and XXXX have deleted this account from my credit report. I have consistently maintained that I never opened an account with the company, and I have provided substantial evidence that my personal information was compromised in the XXXX data breach. This raises serious concerns regarding the accuracy of the information on my credit report. Under the provisions of the Fair Credit Reporting Act ( FCRA ), it is imperative that all reported information is accurate, verifiable, and substantiated by the creditor. Given that you are unable to furnish the original documents confirming my association with this debt, I must assert that you are in violation of the FCRA. I kindly request the immediate removal of this account from my credit report within the next 7 days. Failure to comply with this request will leave me with no alternative but to pursue legal action to rectify this matter. I believe it is in our mutual interest to address this situation promptly and amicably to avoid any further legal action. The account is XXXX XXXX  XXXX. Please see the attached dispute letter dated and time stamped for your reference. Also review my credit report to see that XXXX and XXXX deleted the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I will attached there recent response letter filled with inaccurate information. I'm also attaching proof once again that there is no XXXX XXXX The phone number in the letter is a business line with XXXX and the address in their letter is a personal residence. Account was opened in California and billed to a California address. I never receive statements or made payments from my personal address or bank account. I would ask them to produce statements and payment records which show it was a corporate account. Using someones personal information and attaching it to a business account is fraud.
Product: Credit reporting or other personal consumer reports

My identity was compromised and my identity was involved in multiple security breaches. The current account is showing on my credit report as a chargeoff with a balance. I demand this information be removed under FCRA 605B
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed a few collections and hard inquiries on my credit report I do not recognize
Product: Mortgage

Every since Select Portfolio Servicing became my mortgage Server in XXXX, It has been nothing but harassment. In the past, I have had issues with Select Portfolio Servicing, Not sending me, my end of the year statement. Select Portfolio Servicing deliberately mail out mortgage statements late. So they can charge fees. Today is XX/XX/XXXX and I have not received my mortgage statement. This is their method of operation. I have never paid my payment late. But Select Portfolio Servicing will withhold my payments to claim they were late. In the past I called and received racial slurs from customers service. This is a violation of my civil rights, it is harassment. Select Portfolio Servicing is committing criminal acts. I have a Paper trail of Deceit from Select Portfolio Servicing. They sent fraudulent documents in the mail, in which my name and initials had been copied and pasted to illegal, fraudulent documents, Even my name had been forged.
Product: Debt collection

My regular car payments are due on the XXXX of the month. 

I was behind a car payment which I made on XXXX in the amount of XXXX which is what the system prompted me to make. Early this morning I saw the car was being taken by a repo agent whom I reported I already made a payment as the system stated if a payment was not made before XX/XX/year> the car who be up for repo. Due to unemployment and delayed employment I was unable to make a more sooner payment. Now I am seeking to -obtain my vehicle in which two payments were made. In order for me to work I need my vehicle. There was only 1 payment outstanding-now there just the XX/XX/XXXX payment due. I need help.
Product: Credit reporting

Transunion had a glitch in their system that cause that reinserted previously deleted information. They violated my rights unders section 6.11. I was never notified. As a result my credit score has been gravely affected. i have contacted them more than but they have not taken any actions to correct the error. I am requesting that all inquiries be removed from report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone is using pieces of my personal information on their credit report. The result is relentless and continuous calls from telemarketers for the incorrect person. On XX/XX/2022 alone, I received more than XXXX calls within the first XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2021 I authorized a transaction for {$250.00} via Cash App to a local person for a 70 inch TV that I was suppose to receive later that night. We have had dealings in the past so I thought I could trust him but I was wrong. On XX/XX/2021 I sent him a request via Cash App for the money back because I still did not have the TV in my possession he declined it. I also wrote him messages via XXXX asking if he had the TV or not and if not send my {$250.00} back. He never responded so I contacted my bank XXXX to dispute the charges on XX/XX/2021. I received a notice on XX/XX/2021 stating the transaction was authorized or correct and they are reversing the money back to the person for the item I never received. I called XXXX XX/XX/2021 after noticing my account was overdrawn for over {$200.00}. They informed me that they did not have the authority to get the funds for me because Cash App is a separate medium and Ill have to go through them to get my money back which is unbelievable because I disputed a {$25.00} Cash App transaction through XXXX the same day as the {$250.00} transaction. It was approved and final.
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. 

Account Name : XXXX XXXX  Account Number:XXXX  Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

FILES ATTACHED My loans are still accruing interest as of XX/XX/XXXX. Interest should be deferred and should not be accruing via the federal loan interest freeze effective through XX/XX/XXXX. 

Through XX/XX/XXXX to present my loans have been accruing interest of around {$2.00} a day. I have spoken with Mohela multiple times on the phone, and have been assured this is an error and it will be taken care of. However, I NEVER receive a call or email back from Mohela. They simply wait for me to call again and tell me the exact same thing. Nothing is being done about this issue to my knowledge and my interest continues to grow. It is currently ( at the time of this complaint ) {$980.00}. 

As you can see in the files attached, it is growing. You can also see my numerous calls to Mohela dating back to XX/XX/XXXX. Mohela has admitted to me that this is in fact a mistake. Every time I call I am assured it will be taken care of and not to worry. However, it is now late XXXX and nothing has been corrected.
Product: Debt collection

I have been on XXXX since XXXX XXXX. I had used my 401k to supplement my XXXX income to continue to pay 5 obligations. I ran out of 401k money in XX/XX/XXXX and am still on temp XXXXy. I was solicited by Freedom Debt Relief ( FDR ) to consolidate my obligations I have been unable to pay. I contacted their 800 # and the program was explained by XXXX XXXX, Senior Financial Consultant. He sent me the documents to sign to set up the program and explained that my credit would most likely have late payments on it. I explained to him that I know I owe the money and intended to pay if I was awarded social security XXXX. He assured me that they would be able to negotiate settlement amounts, and I reiterated how important it was to minimally affect my credit. They determined an amount to collect from me of {$760.00} per month to pay the obligations they would be negotiating settlements on. Although this amount is high it was much less than the monthly payments I have been making. I did not think I had a choice. They have withdrawn 6 monthly payments from my account for a total of {$4500.00}. Since XXXX only one account ( XXXX  ) settled in XX/XX/XXXX. XXXX has filed legal papers to sue me for the amount I owe. In order to respond to the summons I had to engage the legal company FDR has a relationship with XXXX XXXX XXXX XXXX ( XXXX ). To respond to this summons it is a cost of {$220.00}. I requested that money from the bank holding the deposits from FDR. According to FDR because I took this money out they could not pay {$200.00} to the XXXX account therefore it is delinquent now. The issue I have is that FDR withdrew their fee the minute XXXX  responded to a settlement and drained the account that had my deposits. I have been in contract for their services for 6 months and all I withdrew was {$220.00}. I believe that FDR is capitalizing on the fact that they are controlling my deposits and paying themselves when only one account has been settled. Yet that account XXXX is now delinquent to the settlement that FDR blames on my withdrawal. The bank account ( XXXX XXXX ) currently shows {$930.00} when they have withdrawn from me {$4500.00}. This company has taken advantage of my hardship and paid themselves with very little performance on the negotiating. They claim they have to wait to see what the court will say about the XXXX account, a court case I had no idea would come up from the structure of this program. I do believe that this company has misrepresented how efficient their operation was supposed to be. They should not withdraw their fee until each of the 5 obligations I had were settled. Only then do I believe they have earned their part. Thank you for your assistance.