23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XX/XX/XXXX I called my Caliber Mortgage Company to accept there Loan Modification Trial Payment Plan which my partner and I had applied for. The letter we had received from Caliber Mortgage regarding the Loan Modification three month trial plan said to call to accept the plan if we approved and when we called and said we accepted the plan on XX/XX/XXXX the representative told us we did not need to make any payment until XX/XX/XXXX which was the first of the Trial Payment plan. At this time we were not behind on our mortgage. We would have ordinarily made XXXX and XXXX mortgage payments but she said we didnt have to make a payment until XX/XX/XXXX. In XXXX we got a letter from Caliber Mortgage stating that we were 2 months behind on our mortgage! We were in shock because of what the representative at Caliber Mortgage told us about not making a payment until XX/XX/XXXX! 
We called and talked to Caliber Mortgage several times complaining that this representative told us incorrect information during our XX/XX/XXXX conversation about not making a payment until XX/XX/XXXX and they have not been accountable for this incorrect information told to us!! On XX/XX/XXXX we received a letter from XXXX XXXX XXXX Mortgage stating that the servicing of our mortgage loan was transferred from Caliber Home Loans to new a servicer called XXXX XXXX XXXX XXXX. I have called and talked to XXXX XXXX XXXX to see if they will put the two months we are behind at the end of the Loan after we are done with the three month Trial Plan which we only have one more month left to pay on the three month trial plan. The representatives I have talked to can not tell me if they will do this! I would like to know if Caliber Home Loans has a recording of our conversation with their representative XX/XX/XXXX telling us that we did not have to make a payment until XX/XX/XXXX. Caliber Home Loans representatives in the Modification Department tell me they dont know how far back the recordings are saved. I was told this today XX/XX/XXXX. This has adversely affected my credit score and caused us much duress! We have been current on our payments the past five years having just completed a Chapter XXXX Bankruptcy in XX/XX/XXXX and we were looking forward to improving our credit and now are devastated by the misinformation the Caliber Home Loan representative gave us on XX/XX/XXXX making us two months behind. Can Caliber Home Loans be held accountable for this misinformation?
Product: Credit reporting or other personal consumer reports

In violation of 15 USC 1681, my social security number, date of birth, driver 's license, and other information was exposed in the XXXX, Equifax, and XXXX data breaches where hackers stole billions of people 's personal and private information, including mine. Fraudulent accounts have been opened up and operated in my name. Therefore, hackers and imposters have been illegally using my information without my permission or knowledge. I need all XXXX of my reports wiped clean immediately.
Product: Credit reporting or other personal consumer reports

ACCORDING TO '15 U.S.C 1692 C ', YOU HAVE VIOLATED MY RIGHTS BY IN LAWFUL COMMUNICATIONS. PLEASE REMOVE THESE COLLECTION FROM MY CEDIT REPORT ASAP. THANK YOU. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX, I attempted to log into my Credit Karma Savings Account. I have the ability to do it on the app and online. After attempting the log in, I received a notice that my account was deactivated. I did not deactivate the account. There is little to no phone support so I contacted them online. They stated they were looking into the issue. That was yesterday at XXXX and no correspondence since. I have over $ XXXX in the account and no confidence from them that my account hasn't been compromised. Nothing. I finally found a phone number and left a message on XX/XX/XXXX but no call back. I am nervous that I do not know where my funds are. Please help.
Product: Credit reporting or other personal consumer reports

The company in question, XXXX XXXX XXXX XXXX and other consumer reporting agencies such as XXXX, Equifax and XXXX and reporting account information without my consent. This is a clear violation of The Privacy Act of XXXX, 15 U.S. Code 6802 and 16 CFR 313.7
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I've contacted XXXX XXXX XXXX XXXX XXXX & they told me I've never missed a payment, yet Experian and XXXX refuses to update me from being listed as XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX on the accounts. They told me they are not required to allow me to dispute this inaccurate information any longer.as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Experian and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus 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 my file in accordance with paragraph ( XXXX ), 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 creditor I constantly have to do Experian and XXXX job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3200.00}, XXXX XXXX XXXX XXXX XXXX  : XX/XX/XXXX Balance : {$2900.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2300.00}
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus was dated XX/XX/XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

i have had a walmart card issued by XXXX XXXX for at least five years .its under me and my sons name who is XXXX right now. He set up auto payments on this account for XXXX a month on XXXX the XXXX XXXX   i got a notice from XXXX  XXXX  about a change on my report so i checked it and it showed they closed the account. I then contacted the company to see why the account was closed and was told it was due to innsufficent funds so i then explained to them when his pay goes in so i then asked about the payments and was told they would'nt start until XXXX so i then asked them to reopen the account especially since its being paid and they told me they could'nt do that i don ; t think its fair for them to put a blemmish on his report for something they could have told us about before they closed it no notification at all then when i talked to them i was told a notice was sent out should recieve it in mail have'nt received anything as of yet totaly upset.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX XXXX, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XX/XX/year> Credit Bureau Name [ Credit Bureau Address ] Subject : Formal Dispute of Inaccurate Credit Reporting To Whom It May Concern, I am writing to formally dispute an inaccurate item on my credit report. As per my rights under the Fair Credit Reporting Act ( FCRA ), I request an immediate investigation and correction of the following incorrect information. 

Account in Dispute : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Reported Status : Charged-off with a balance of {$540.00} Inaccuracy : The account is reported as a charge-off with a balance of {$540.00} still due, yet the balance is also noted as written off. A charged-off account should not still reflect a due balance, as charge-offs are categorized as losses by the creditor. This creates an inconsistency that violates FCRA guidelines regarding accurate reporting. 

I request that this error be corrected by either removing the charge-off status if the balance remains or updating the balance to {$0.00} if the charge-off stands. Please provide documentation verifying the accuracy of the reported information. 

Enclosed, I have included a copy of my credit report with the inaccurate information highlighted. If this information can not be verified within 30 days, I request its immediate deletion from my report per FCRA guidelines. 

Please confirm receipt of this dispute and provide written confirmation of the results of your investigation. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Checking or savings account

On Monday XX/XX/XXXX, I was informed by my renter trying to XXXX me that citibank XXXX was rejecting the $ XXXX payment. I got an email from Citi saying my online user ID has been blocked for my security and I should speak to Citi. I spoke to Citi that afternoon at XXXX XXXX  for XXXX hour and they said the matter will be resolved in XXXX hours. On Tuesday, XX/XX/XXXX, the renter tried again but again the XXXX  was rejected. I spoke to Citi again for about XXXX hour Tuesday afternoon, and they pointed me to the fraud department. Fraud could not explain to me what was happening and said wait another XXXX hours. On Wednesday XXXX  I spoke to Citi for another hour and my Mom who is a citi XXXX XXXX linked to my account spoke to them for XXXX minutes. They said they can not help me or tell me why but my account has been closed and they can not reopen it. I asked about the final transactions to understand which payments made it out or in including mortgage payment and utility bills. They couldn't give me an answer. I asked about my funds- they said they'll send it to me between 30 to 60 days! If I wanted it sooner, I could visit a branch. The closest branch to me is XXXX hours away, since citi closed many branches over the years. They also told me " thank you for choosing Citi ''. I laughed- you just closed my account without explaining why, please don't say thank you for choosing Citi XXXX I hope no one I know ever chooses Citi! They said " anything else we can help you with? '' I said please give me cash so I could pay my bills and my babysitter! Depending on which transactions went through, there's at least XXXX available, including a direct deposit from my workplace for XXXX on XX/XX/XXXX that citi didn't reject. A week has gone by, an ACH withdrawal dated or XX/XX/XXXX got sent back to me for nonpayment with a {$20.00} surcharge. I am stuck with many bills, no accessible cash and a very unsympathetic and taciturn bank who I loyally entrusted my funds with for 15 years.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform leaving my account vulnerable and unprotected.

Furthermore, their dispute process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Mortgage

On XX/XX/XXXX, Freedom Mortgage sent my property tax payment from my escrow account. The county did not receive the check that was sent so I called Freedom mortgage on or about XX/XX/XXXX to check into it and notify them that my property tax was due by XX/XX/XXXX or I would incur a penalty fee. Freedom Mortgage assured me that they would cover the penalty fee from their own money. On XX/XX/XXXX I called Freedom Mortgage and an investigation was opened. They put a rush on the investigation. I called them back on XX/XX/XXXX and they told me that a check was issued and gave me the reference #. On XX/XX/XXXX, I spoke to the county and they never received the check. So I called Freedom Mortgage again and I was told by the customer service rep that the county received the check on XX/XX/XXXX ( she could not confirm to me how she knew that the county received the check ). She told me they did n't cash it yet. I called the county again and they said they never received or cashed a check for my taxes. On XX/XX/XXXX, I spoke with a manager that said a new check to the county was issued on XX/XX/XXXX. I asked her why the lady I spoke with on XX/XX/XXXX told me the county received a check on XX/XX/XXXX ( although a check was never sent ). She told me she did n't know but would review the call and use it as a training call. She told me the new check on XX/XX/XXXX was shipped via XXXX. I called the county today XX/XX/XXXX and they still have not received the check. So once again, I called Freedom Mortgage and asked to speak the same manager who I spoke to on XX/XX/XXXX. After being put on hold for a while, the customer service rep came back on the phone and said the manager told her what was going on and if I still wanted to talk to the manager she would talk to me but she saw a check issued on XX/XX/XXXX to the county and XX/XX/XXXX. I asked her why was there 2 checks sent and she did n't know. So I immediately demanded to talk to the manager. The manager explained to me that something was wrong with the check sent on XX/XX/XXXX, so they had to cancel it and re-issue another check to the county on XX/XX/XXXX. I asked her for the XXXX tracking # and she did n't know it but would " try '' to get it. I demanded that she get me the tracking # and call me when it. This has now been going on for almost 2 month. I have been told a number of different stories by different customer service reps. Most of them have turned out to not be true. My taxes are still outstanding and a penalty fee has been assessed to my account.
Product: Checking or savings account

I received a transfer from my boyfriends account to my account of XXXX in XX/XX/2021. Bank of America closed my account and kept the XXXX on hold. It has been 2 years and I still have not received the funds. I have called the bank hundreds of times over the past 2 years, I have stepped into multiple branches and talked to multiple bankers and managers.
Product: Checking or savings account

I received a letter about a debt that I owed in XX/XX/2008 in the amount of {$280.00}. This debt has been satisfied
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my credit report, on XX/XX/XXXX and I noticed some errors on my account that was totally inaccurate. I then sent dispute letters to all three credit bureaus. Equifax, XXXX and XXXX on XX/XX/XXXX and every 30 days up until presentXX/XX/XXXX. I asked all three bureaus motioned to please verify and validate the accounts in question and they sent them back as verified. I know they have not done the verification process because the errors still remain on my credit report. There are 2 collection accounts reporting as OPEN and LATE 120 DAYS but it's a COLLECTION account This is a violation of ( 15 ) U.S. code 168i ( 5 ) please assist in this matter. There are other accounts in violation as well. Can someone please assist me with this matter Thank you.
Product: Vehicle loan or lease

I went to XXXX XXXX to purchase a XXXX XXXX on XX/XX/XXXX..I was placed in a XXXX XXXX XXXX with a XXXX deposit after the downpayment price on the window stated way less..after that I was told they could not finance me and had sold the vehicle to a carlot in XXXX named XXXX XXXX that would be able to finance me ..during the ride to XXXX I noticed several things wrong with the XXXX..when I brought it to the attention of XXXX the salesman at XXXX he directed me to a XXXX XXXX on his lot with no price or buyers guide on the window..stated he could possible get me financed..asked me for another {$XXXX} and if I could bring in another {$XXXX} the following Friday if he could get me financed and we agreed..it was getting late so XXXX advised me to take the vehicle home and he would notify me once he had an approval..the same day I called and next day I brought the vehicle back to notify XXXX the check engine light was on..the salesman XXXX put the XXXX on a diagnostic machine and told me it was the gas cap..at that point I went to XXXX to get a second opinion and was told a component it the transmission was bad and the heater cord was out..when I went back to notify the dealer I was told my loan had gone through and I had signed everything to purchase the vehicle as is..but they also agreed to fix these issues..when the bank called to verify the loan I also notified them of these issues and that the dealer agreed to fix them..I was told to take it to a shop the dealer used..stalled until the lender paid out the loan to the dealer and then was told that the dealer would only pay for half of the repairs on the transmission and nothing in regards to the heat .At no time did I recieve an actual buyers guide..only a copied front page to sign..not did anyone..the dealer no the lender discuss the terms of my loan with me..the only thing the dealer told me was my payment was {$XXXX} a month .The dealer also took out a loan with another company to pay my taxes and fees on the vehicle and did not notify the lender of this.this dealer misrepresented the condition of the vehicle ..misrepresented the loan process..and is stead fast on saying I purchased the vehicle as is even though those papers where signed based on the dealers intentional deceit. I had a total diagnostic done which states {$4000.00} worth of work..and I stuck in a XXXX loan put down a large down payment and traded a perfectly running vehicle.
Product: Mortgage

Hello, I saw a property online that i was interested in purchasing. 

There was a link to XXXX XXXX XXXX as a suggested company to use for the pre approval process. 

I entered my information and was contacted by XXXX XXXX, Loan Specialist via phone. 

I returned his call and spent 30 minutes giving him the information he requested to get the process started. 

He asked me for a time that he could call me back and discuss next steps. I verified that he would call me and he agreed. 

I did not receive a call back at the allotted timeslot. I waited for an hour in case there were details he was still working on. 

After the hour past i called and left him a voicemail. He waited until the end of the work day and sent me an email stating the reason he would not be able to approve my application. 

None of the numbers he based my non approval on corresponded to the request I made on the application. He entered numbers he chose that over exceeded my request by tens of thousands of dollars. I find that action totally unacceptable. 

When I reached back out to him by return email and reiterated the numbers from the original conversation, I received an email back this morning that recalculated a percentage that was again incorrect and still tens of thousands of dollars over what I requested originally. 

these practices are unethical and deceiving to the general public and should be punishable by law in my humble opinion. 

Thank you
Product: Debt collection

Hello, I attented XXXX and after transferring to the XXXX XXXX XXXX  in XXXX, Williams and Fudge contacted me and said that I owed them {$1200.00} on XX/XX/2020 through my phone number and personal email, which I never gave them access to, and I thought that this debt was valid so I had set up a payment plan with them but as I am a student I was unable to keep up with the payments, The company then continued to harass me constantly to continue to collect the debt.