23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We had a line of credit with XXXX XXXX XXXX. We made interest only payments for years and never had a problem until they changed the terms and started to charge us for both interest and principle. We were in loan modification with them when they sold the loan to CALIBER HOME LOANS XXXX/XXXX/XXXX. At that time, Caliber billed us for fees that XXXX XXXX XXXX had put on hold while we were loan modification. The fees that Caliber said we owed were more than what XXXX had said. 
We had been making the regular payments monthly to Caliber, and we were objecting to the figures that they said we owed for fees. 
On XXXX/XXXX/XXXX, my husband spoke to XXXX, Teller #  XXXX and XXXX, Teller # XXXX, who provided him with the figures that were owed. I agreed, and sent the full amount of {$4900.00} on XXXX/XXXX/XXXX. On the check we wrote " interest only to bring acct. current ''. We assumed that our account would be free of any other fees and charges except for the normal principle and interest that we have been and will continue to pay monthly until the loan is fully paid. They continue to add fees to our monthly bill, now saying we owe {$4000.00} in past due amounts, and {$3800.00} for unpaid advances/fees totalling {$8800.00}. 
We have called multiple times questioning what these charges are for, since we paid what we were told, and we have n't missed a monthly payment. We have sent letters on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX all explaining our position and requesting a breakdown of what they say is owed. We are angry and confused, because we thought we were paid in full. 
Note : an exact LOC with XXXX on another of our properties was in the exact situation, and sold to XXXX XXXX, we never had to pay any additional fees, and a third LOC has stayed with XXXX, and we never had to pay any other fees either. 

Please help us. We have paid all interest and principle on this loan, and we are not willing to pay {$8800.00} additional. 
NOte : This LOC started at $ XXXX, balance now is {$81000.00}. Current value of home is approx $ XXXX. It is a rental house, currently rented to a year round tenant.
Product: Debt collection

On XX/XX/XXXX I saw an email in my spam folder dated XX/XX/XXXX from XXXX with an attempt to collect a {$870.00} debt. I checked their website for where to send a debt validation/dispute to which the website stated I could send it via email to XXXX, by phone, or mail I opted to send via email. I received a debt collection attempt via email from the same company on XX/XX/XXXX and XX/XX/XXXX which I then send a follow up to the dispute on XX/XX/XXXX. I received more collection attempts on XX/XX/XXXX and XX/XX/XXXX even after sending a follow up to the dispute to the email listed on their website for disputes.
Product: Credit card or prepaid card

The companys response addressed all of my issues No ADDITIONAL COMMENTS The response in question explains their position from its viewpoint. Which is a moot point of view? My request was a GOODWILL adjustment. That said, on information and belief GOODWILL is defined as : a kindly feeling of approval and support : benevolent interest or concern. As stated ; I Did speak with a XXXX XXXX XXXX on XX/XX/2018. During our conversation he was very combative as if my request did not concern him in any way. I do understand as he is not in my position. Sure USAA rendered their XXXXondolences for the loss of my Wife which would be very devastating to anyone with any GOODWILL within their spirit. As stated in my initial complaint ; 1 payment was missed. Account was immediately placed back on point as reflected in their report to each credit bureau ( 30 days ) minimum. Account was paid in full promptly. On information and belief, Fairness is defined as ; marked by impartiality and honesty : free from self-interest, prejudice, or favoritism a very fair person to do business with, That was not the case reflected during my conversation with XXXX XXXX. In closing, I would like to reiterate on the fact of the aforementioned company has/is acting in an UNREASONABLE manner in this instance as their/his actions are beyond the limits of acceptability or fairness. Thank you in advance for your prompt and professional handling of this matter. Respectfully,
Product: Credit reporting or other personal consumer reports

I am fling a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$22000.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$50000.00} XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

Subject : Request for Removal of Self-Reported Collection from Credit Report Dear SELF I am writing to formally request the removal of a collection item that appears on my credit report under account number [ insert account number or reference number ]. The item in question was reported as a self-collection, and I believe it is either inaccurate or improperly reported. 
Details of the Collection Item : Creditor Name : SELF/XXXX XXXX Account Number : XXXX Reported Amount : {$1600.00} Date Reported : XX/XX/year> Reason for Removal Request : Not Authorized : The collection was reported without my knowledge Enclosed, you will find [ copies of relevant documents, such as payment receipts, settlement agreements, or correspondence with the creditor ] that support my request for removal. 
In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting that you : Investigate : Conduct an investigation into the accuracy of the collection item as per the FCRA guidelines. 
Remove or Correct : Remove the collection item from my credit report if it is found to be inaccurate or incorrect. Alternatively, update the report to accurately reflect the status of the debt. 
Confirm Removal : Provide written confirmation that the item has been removed or corrected once the investigation is complete. 
Please notify me of the outcome of your investigation within 30 days, as required by the FCRA. 

Thank you for your prompt attention to this matter. I look forward to your confirmation of the removal of this collection item from my credit report. 
Sincerely,
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information on my credit report due to my recent victimization by XXXX XXXX I have identified several accounts and/or pieces of information on my credit report that are incorrect and were not authorized by me. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax employed lax and careless security standards with my personal data as well as the personal data for 140+ million other Americans. They allowed this information to be improperly and irresponsibly secured and they were hacked exposing myself and millions of others to potential risk of identity theft. They then asked me to waive my right to litigation in order to confirm whether they had leaked my information.
Product: Credit reporting

Equifax refuses to investigate correctly and validate debt and correct dates and amounts. They continue to show items the items and also they have not provided me with an updated report. I want disputed items investigated correctly and updated correctly on my report.
Product: Bank account or service

In 2014 while in college, my bank account was compromised and an unauthorized check was deposited to my account as well as my debt card stolen. When it was brought to my attention, I immediately went to the bank location for assistance. I was told there was nothing they could do for me. When I returned home to Texas, I again went to the bank for assistance to no avail. My signature does not match this fraudulent deposit. I did not receive any monies from this deposit nor was my account ever overdrawn due to this unauthorized deposit. I have spoken with over XXXX people in several departments and no one can figure how to resolve. Only after attempting to open an account at another institution was it revealed to me that Bank of America reported the account to XXXX. I am accused of " suspected fraud ''. Again, I did not defraud Bank of America nor do I owe or have owed Bank of America for insufficient funds. I do pray that this complaint filed herewith will provide me relief and resolution of the matter by removing this negative information from XXXX.
Product: Checking or savings account

On XX/XX/year> I received a text alert that there was possible fraudulent activity at a XXXX on our joint business checking account. We have received these before, so I responded no I have not tried to make that charge. Within a few minutes I received a phone call from a gentleman saying that he was with Chases fraud department and someone was trying to wire transfer money out of our account as we had been hacked. I was on the phone with this gentleman for two hours and was told a police report had already been filed due to the amount of the transaction. I googled the phone number that I was called from and it did show up as Chase. I was instructed on how to cancel the wire transfer and I actually received two separate Chase email responses that the wire transfers were canceled. I was still on hold with this gentleman when spouse said that he was going into a branch. He had that account restricted from doing any other activity opened up a brand new account and apparently this was all supposed to be handled. That evening the wire transfer of {$14000.00} was sent to the person that had hacked our account and more money was taken out of the brand new account that was supposed to be restricted. Now over 30 days later, we are told by Chase that because I was scammed they are not financially responsible for the wire transfer. I dont understand how a bank after being told multiple times that this was not a charge that we were doing will not provide our money back. Neither of us know who this person is in Florida and we would never have sent someone that kind of money we have never wire transferred money out of this business account ever before.
Product: Debt collection

This item has been reporting on my credit unlawfully. I am attaching proof that I sent them a letter requesting that they prove that I owe them this debt the same proof that they are required to have under the law. I have received no response at all. No documents bearing my signature, and no proof that they can legally hold me accountable for this debt. This company is also committing identity theft as they have opened an account using my name without my consent. I have sent a letter to their XXXX and I am also contacting the FTC. My next move will be a lawsuit.
Product: Credit reporting, credit repair services, or other personal consumer reports

A few weeks ago I went into XXXXto buy some products for the holidays. It was the time when i fist decided to start my credit and I only knew so little about it. So I went in around XX/XX/ to purchase some products, the sales representative didn't seem like she knew how to ring the cash register up ( I believe she was a new employee with minimal experience ) and I bought some makeup. I paid {$30.00} for a products I went in a few days later to refund and make a purchase for a cheaper version of the product I had previously paid for the day I went back was XX/XX/XXXX. I even waited a few days later for it to show up on my account. The refund should have been {$10.00} dollars. That same day I paid extra {$9.00} for a separate product so I initially thought the {$10.00} they would have returned to me would show up a few days later it did not. So the refund never showed up on my account after i had paid it. My resolution at first was to ask my credit card company ( Capital One ) to help me get a refund. The mistake that was made is they did not refund me for the right amount. So my credit card company charged me for the full amount. When my card charged me for that I had already exceeded my limit and my plan was to pay everything in payments and on time, remember this was my first month owning a credit card. My commitment was to pay everything on time so it wont affect my score. Here is the thing, since I had spent all the money on my card I did not plan on spending anymore since it wouldn't be possible to go over my limit. XXXX 's ended up re billing my card and since I exceeded my card limit ( {$300.00} ) it brought my balance to $ XXXX I don't understand why but it devastated my score very bad and now my score is XXXX. Now my score is very poor and I can not apply for other cards to improve my performance or help me get ahead in life with a good credit resume. I am desperate for help. I do not want to start my credit out like this. Despite the mistakes done I have not had any bad history with my credit and since I am fairly new and wanting to commit to building good credit I don't think I deserve this. I don't think when they re billed me that it wold affect my score. So far I have been making payments and least once or twice a week to see if it can help my score but they way they took the money out affected my future because I was aiming for the best now this unnecessary road block brought it down
Product: Mortgage

We have received mail, email and phone calls to refinance our loan constantly. At one point we were told if we didnt that they would sell our loan so we did it. This is the third time were having to do this. We have called and left messages for two loan officers many many times, weve email the loan officers, we have tried calling the mortgage company customer service and got no response what so ever they have a recording basically saying they are to busy. I email their messaging center and they always respond if you havent received a call in two days let us know and when we do let them know nothing is done they say give another two days. This is absurd we had a natural disaster, hurricane Ida. Weve never been late on our mortgage weve never had a forbearance request at all. It shouldnt be this hard to reach someone. They had a closing officer call us to close on our loan but the hurricane hit and we were without power for over a week and so as she. No one has reached out to us or returned calls. Someone needs to be held accountable!! This is a superb way to treat your veteran customers.
Product: Credit reporting or other personal consumer reports

My Fair Credit Reporting act consumer rights have been violated. The account listed below have XXXXXXXX : Account number XXXX, Youve reported different dates under date of last activity. Stop reporting this due to FCRA non-compliance of inaccurate data being furnished on the consumer report. DELETE THIS ACCOUNT violated my federal given consumer rights to privacy amongst other things. 

15 USC 1681a ( 2 ) ( a ) ( i ) states the consumer reporting agencies can furnish a reporting under the following instructions : in accordance with the written instructions of the consumer to whom it relates. I never gave them written instructions to report the accounts listed above to my consumer report.

15 USC 1681 section 602 A ( 4 ) states I have the right to privacy.

15 USC 1681s-2 ( A ) states that A person shall not furnish any information relating to consumerto anyconsumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 


PLEASE SEE ATTACTHED EVIDENCE DOCUMENT
Product: Credit reporting or other personal consumer reports

I am writing regarding the multiple hard credit inquiries that appear on my credit report. Upon reviewing my report, I noticed [ XXXX ] inquiries on XXXX [ XXXX ] on XXXX and [ XXXX ] on Equifax attributed across several days. I was unaware that this many inquiries would be conducted, and I believe this violates my expectations of the financing process.
Product: Credit card or prepaid card

This is in regards to my PayPal account and PayPal credit card. I had money deposited into my PayPal account by XXXX XXXX, an app. I used the money to pay my PayPal credit card. At the same time, other transactions, which I thought would come from either my PayPal credit or checking account ( both with money to cover ) were deducted from the money that should have went into the PayPal credit account. This made the payment not able to process and I was charged a {$27.00} fee.
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 items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$3500.00} XXXX XXXXXXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} 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 alleged identity theft, not later than 4 business days after the date of receipt.
Product: Student loan

I received this message : IMPORTANT UPDATE : On XX/XX/XXXX, the Department of Education announced a change to the Public Service Loan Forgiveness ( PSLF ) program rules that, for a limited time, may allow you to get credit for payments youve made on loans that wouldnt normally qualify for PSLF. This waiver period is temporary and will end on XX/XX/XXXX. To gain more information on this limited waiver period, including any actions you may need to take to gain access to these benefits, visit StudentAid.gov/pslfwaiver. 

I started contacting Fedloan servicing regarding my student loans. I had contacted them the previous year regarding payments made that I received no credit for between the years of XXXX and XXXX. I had worked for XXXX XXXX XXXX 5 years at that time. I was in school until XXXX but did not receive any credit for that time at all. The update from the department of Education required them to review my account and provide credit for the time I was not in school. This was the time I received the teacher forgiveness loan as well. I have contacted them at least 3 times and I have continued to receive inaccurate information on my account. I taught 9 years at XXXX XXXX XXXX and 13 months at XXXX XXXX XXXX school. I only received 5 months credit at that school. I am back with XXXX XXXX XXXX and I have not re-certified this year. My estimated eligibility date to cancel student loans have continued to change from XXXX letter to the next. I need someone to explain where are the missing credits, why the dates have changed, what documents are they missing, and how to fix this problem. I know they are not going to be the provider after this year, but they need to fix the problem before they hand my information over to another company.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2018 for about 10 months I made my daughter an authorized user of my account. Before doing so Barclay Card assured me that she could be a user and that it would have no impact on her credit. Only I was responsible for all charges on the account. She never signed anything. I asked for her to be added as an authorized signer to my account. BarclayCard sent her a card of her own to use. About XX/XX/XXXX she was finished with her need to use my credit card and I removed her as a user. 

She went to check her credit bureau the other day and found Barclay Card to be reporting MY full balance to her credit report. She called Barclay Card and they said they could not talk with her about it since she is not a signer on the account. I called Barclay Card to have it corrected and they said that I had to submit letter, via regular mail, and all of the supporting documentation to have my daughters credit reporting reversed. 

Their fraudulent mistake is not my problem to fix. Barclay Card acknowledges that they should not be reporting on my daughters credit report. They should not have reported it to her credit bureau while she was using the card and they certainly should not be reporting it now. However, they said they will maintain the fraudulent reporting unless I write them a letter with all the required documentation to have it removed. 

This is the exact kind of bullying behavior a big bank is supposed to have stopped a long time ago. So they have made an error and now it is MY problem to fix it. Unacceptable. And Illegal. 

Barclay Card has my complaint and my daughter 's complaint by phone and now through this correspondence. If they do not correct the erroneous reporting in a reasonable amount of time I will be forced to take more serious actions regarding the fraud they have committed against my daughter. Not to mention the illegal release of information about my account to her ( she should have never known the balance of my card at anytime, ever ). 

In my conversation with two Barclay representatives on the phone this evening both confirmed that the reporting should not have occurred as she was merely an authorized user with no responsibility for the credit and that the only way I can correct a credit reporting error, even if it is completely their fault, is in writing to a mailing address with supporting documentation which includes my daughter sending them, by mail, a full copy of the erroneous credit reporting. That exposes my family to unnecessary risk. The credit report they want me to send through the mail has all types of personally identifiable information contained within it.