23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

ON XX/XX/XXXX MY CLIENT, XXXX RECEIVED A LETTER STATING THAT CALIBER HOME LOANS HAD TAKEN OVER HER MORTGAGE FROM XXXX AFTER HAVING ALREADY GIVEN A FULL HAMP APPLICATION TO XXXX. 
ON XX/XX/XXXX WE HAD TO SUBMIT ANOTHER HAMP APPLICATION TO CALIBER UPLOADED TO THEIR WEBSITE. FROM XX/XX/XXXX WE UPLOADED ALL THE DOCUMENTS REQUESTED FROM ALL THE SPOC REPS. 
THEN ON XX/XX/XXXX CALIBER WITHOUT ANY PRIOR NOTICE, CANCELLED AND DE-ACTIVATED OUR ACCESS TO THEIR WEBSITE TO UPLOAD ANY MORE HAMP DOCS. THUS, WE WERE UNABLE TO KNOW WHAT DOCUMENTS WERE ALREADY PROVIDED TO CALIBER AND ON WHAT DATES THEY WERE UPLOADED AS THE WEBSITE HAD ENABLED US TO DO. THIS SLOWED DOWN OUR HAMP APPLICATION SUBMISSIONS TREMENDOUSLY. 
AFTER CONFRONTING CALIBER WITH THIS EXTREMELY PREJUDICIAL ACT AGAINST XXXX THE SPOCS FINALLY GAVE US THE EMAIL XXXX TO SUBMIT MORE DOCUMENTS. 
UNFORTUNATELY, WE CAN NOT TELL WHAT DOCS. WERE ALREADY PROVIDED AND ON WHAT DATES. THEY CLAIM THEY DE-ACTIVATED US DUE TO A PENDING FORECLOSURE SALE WHICH THEY SCHEDULED FOR XX/XX/XXXX, WHILE OUR HAMP APPLICATION WAS STILL PENDING. 
THEN FINALLY ON XXXX, THE SPOC XXXX INFORMED US THAT CALIBER HAD RECEIVED ALL NECESSARY DOCUMENTS AND WOULD SUBMIT THE ENTIRE HAMP APPLICATION AND DOCUMENTS TO THEIR UNDERWRITER. HE THEN STATED THAT WE WOULD HAVE TO WAIT ABOUT 30 DAYS FOR A RESPONSE. 
THEN ON XX/XX/XXXX, OUR LAW OFFICE CALLED TO GET AN UPDATE AND CALIBER STATED THAT THEY NEEDED MORE DOCUMENTS AND THAT THEY HAD CLOSED OUR HAMP APPLICATION BACK ON XX/XX/XXXX. 
ON XX/XX/XXXX WE EMAILED THOSE DOCUMENTS. XXXX, THE SPOC SAID TO CALL BACK IN 1 WEEK FOR AN UPDATE. 
THEN ON XX/XX/XXXX WHEN WE CALLED BACK, XXXX ANOTHER SPOC IN XXXX. STATED WE NEED EVEN MORE DOCUMENTS. 
CALIBER HAS NEVER CALLED OR EMAILED OR FAXED OR WRITTEN ANYTIME TO REQUEST MORE DOCUMENTS. WE ONLY KNOW AFTER WE CALL THEM. THIS IS DUE TO THE HARDSHIP CAUSED BY THE ACCESS DE-ACTIVATION OF THE WEBSITE TO UPLOAD AND REVIEW DOCUMENTS. 
THUS, WE ARE FILING THIS COMPLAINT TO THE XXXX DFS TO COMMENCE AN INVESTIGATION INTO CALIBER 'S FRAUDULENT AND BAD-FAITH PRACTICES WITH HOME-OWNERS IN XXXX. IM VERY SURE THEY HAVE ACTED FRAUDULENTLY AND IN BAD-FAITH WITH MANY OTHER HOME-OWNERS IN XXXX IN ORDER TO FORECLOSE ON THEIR PROPERTY AND MAKE A PROFIT WHEN SELLING THEIR HOMES. WE ALSO FILED A COMPLAINT WITH THE XXXX DEPT. OF FINANCIAL SERVICES. 
PLEASE ACT EXPEDITIOUSLY IN THIS MATTER AS WE ARE ALSO TAKING THIS TO OUR US SENATORS AND REPS. IN CONGRESS FOR AN INVESTIGATION. 
WE ARE ALSO CONTACTING THE XXXX ATTY. GENERAL 'S OFFICE FOR AN INVESTIGATION.
Product: Bank account or service

In XXXX I opened a savings account with XXXX XXXX XXXX who has singer merged with UMB Bank at XXXX XXXX XXXX, XXXX, Kansas. According to UMB there is not record of me. I became a customer of XXXX in XX/XX/XXXX. In XX/XX/XXXX I opened a separate savings account with {$300.00}. I NEVER withdrew any money nor added additional monies to this account. I now want and need the {$300.00} plus earned interest for at the least 7years that the bank deemed it inactive. Thank you
Product: Credit card

On XX/XX/year> a fraud claim was made for a charge on my credit card of {$29.00}. Bank of America did not remove the disputed amount from my card. I paid my statement in full. The dispute remained unresolved in the Claim Inbox for over 120 days. Between XXXX and XXXX, I made phone calls to the Bank of America Fraud number at XXXX. They said it was still being investigated. 
On XX/XX/year> I drafted and mailed a letter to : Bank of America Customer Service Department XXXX XXXX XXXX XXXX, FL XXXX I addressed my frustration and disappointment with the unresolved fraud charge dispute on my account, which had now persisted for over 120 days. I asked for them to please provide me with a written confirmation of the actions taken to address this complaint within 15 days of receiving this letter. Despite my attempts to address and resolve this matter with Bank of America, I have not received any correspondence or a resolution to the charge that was made on my card on XX/XX/XXXX. The only XXXX Bank of America did was issue me a new credit card, AND they have removed the Fraud Claim from the Claim Inbox on my account with no resolution. They just deleted it, but I have a downloaded copy of the claim in pdf format.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion XX/XX/2018 XXXX # XXXX Transunion has XXXX XXXX as Charge off showing on my credit file. I dispute the information by transunion unless a document from XXXX XXXX is provided as proof. I have attach a document showing from XXXX XXXX there is or no money owed to XXXX XXXX. I need document letter showing from XXXX XXXX there is money owed or was owed on this loan and for Transunion to provide what is ask by documented proof from XXXX XXXX disputing the attach document I have from XXXX XXXX.
Product: Debt collection

My social security number was in many data breach and have been found on dark web as well. My name and information have been in a number of data breaches. I have been telling collection for years that was not me but they still hassle me. The debt that was mines I paid in a settlement and what is mines am making payment on.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XXXX XXXXand still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Product: Student loan

I tried to log on to XXXX  to pay my student loans. After a couple of weeks I started to get frustrated and called the toll free number. The person on the other end said it's my fault I don't have access, proceeded to laugh at me and hung up the phone. 

I've been trying to pay my student loans for 3 months now and I can't because they're " in the process of moving from XXXX '' My issue is, it's now ruining my credit and collecting interest all while they refuse to give me access to pay the loans. I am now on the verge of homelessness because of this. I can't get an apartment because this has brought my score below that XXXX marker.
Product: Credit reporting or other personal consumer reports

I have a long and extensive credit history that is reflected in XXXX and XXXX, but Experian has 0 of my accounts and says I don't have a credit score. It's impacting my ability to get loans and credit.
Product: Mortgage

Please refer to the details of the complaint sent originally listed below with the attached evidence. The complaint is about deceptive practices where their statement shakes the account past due and a payment for the same amount at the bottom of the page. We received 2 call from XXXX in Truist escalation area and I returned the call and spoke to XXXX XXXX and gave exact clarity on the issue being the statement and the XXXX area not being able to answer the questions about the statement and the payment shown at the bottom of the statements. Truist closed the complaint with responses to XXXX reporting, XXXX Chap XXXX and a late fee and never answered why their XXXX mortgage area is ill equipped to answer questions and why is was the balance showing past due on an account with the payment of the same amount showing the bottom. Based on XXXX this is a deceptive practice. I called Truist escalation today XX/XX/2021 at XXXX to ask about the complaint and why was it closed without addressing the deceptive practice and XXXX XXXX says the matter is closed so he has nothing to look at so he cant respond even after I mentioned that I was seeking an attorney to assist ( please listen to the call ) He suggested that I open another complaint. This is unacceptable from a customer experience, risk mitigation and management. How many clients is Truist deceiving. Please HELP Review the companys response to your complaint.

The company has responded to your complaint. Log in to the Bureaus secure website to review the companys response online. You can also review the companys response by phone with someone. 

Thank you for participating in our complaint process. This complaint is now closed. 

COMPLAINT ID XXXX SUBMITTED ON XX/XX/2021 PRODUCT Mortgage ISSUE Trouble during payment process
Product: Mortgage

I Requested a Forbearance under the " Cares Act '' on XX/XX/2020 and received a letter from the mortgage company saying the mortgage was placed in the forbearance until XX/XX/2020, then the payment would be due, the mortgage was CURRENT at the time of the request. On XX/XX/2020 received a letter from the mortgage company requesting XXXX and XXXX payment be made on XX/XX/2020 or a Late Fee would be imposed. 
We created Another financial hardship to get the money and paid the loan for fear of credit report damage, as the mortgage payments have Never been late. 

I am a veteran that is XXXX percent XXXX with a Spouse that is my VA Federal Fiduciary, the mortgage company has been given permission via Telephone and in Writing and still Refuse to communicate with my Spouse Fiduciary on my behalf, I don't  understand and can't argue and debate with them.
Product: Mortgage

Hi. I sent you a letter dated XXXX XXXX, 2015 with regard to Wells, Fargo Home Mortgage and all the documentation that is totally conflicting. I sent them documentation to do a loan modification on XXXX XXXX via XXXX. I received a letter from their attorneys, XXXX, XXXX XXXX XXXX dated XXXX XXXX, 2015 that a sheriff sale has been postponed until XXXX/XXXX/2015 ( I was advised by Wells, Fargo that all foreclosure proceedings were stopped so there should not be a sheriff sale at all ). 
In addition, I just received a letter today from XXXX XXXX ( XXXX x XXXX ) that a review of my loan has been pending for a long period of time and she has not received all the required documentation from me so they are unable to offer assistance! I sent them all the documentation just a couple of weeks ago. 
There is no mention of what they still need either! What is going on? 
Something has to be done about this. This is consumer fraud. 
Please help me. I have been thrown around this bank for weeks with no answers and am still under a sheriff sale that hurts my credibility in the business world. 
They should have taken us completely out of the sheriff sale as they told me they would do. Thank you very much.
Product: Vehicle loan or lease

Since I miss a payment Im not able to trade in my car or get a lower payment. I tried to trade the car in numerous time at XXXX XXXX. This car loan has drop my credit tremendously. Please help me!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX correspondence was sent. Companies have not provided accurate information from their investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

VICTIM OF IDENTITY THEFT. ACCOUNT HAD NO LATE PAYMENTS AND WAS PAID IN FULL BUT DUE TO XXXX XXXX BREACH AND OTHER BREACHS I AM A VICTIM OF IDENTITY THEFT.ANY INQUIRIES MADE WERE UNAUTHORIZED. I DEMAND THE INQUIRIES TO BE DELETED ASAP
Product: Debt collection

I am reaching out as a victim of identity theft and to dispute all accounts that has been fraudulently opened in my name. This account is not mine, and I am requesting that it be promptly removed from my credit report. I was XXXX  Unfortunately in XXXX to XXXX, & my purse with all my personal information was stolen while I was Away & Came Home With My Credit being Used & Stolen
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 EXTER FINANCE LLC pulled my credit without my authorization even though I have a fraud alert which is to prevent unauthorized access to my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE 96 INQUIRIES ON MY CREDIT REPORTS THAT ARE UNAUTHORIZED. SOME ARE BELOW. 
XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, PLUS MANY MORE.
Product: Mortgage

Have tried to contact XXXX by phone, none of phone number s given in statement are no longer working and website giving me " oops '' mess. I wanted to ask questions about my account and CAN NOT reach a single person. Is this company even a legit company. Have I been scammed?
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 XXXX Balance : {$1000.00} XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX
Product: Checking or savings account

I received an email offer from Bank of America that stated if I opened a Bank of America Business checking account deposited {$20000.00}, maintained that amount for 75 days plus make 5 electronic bill pay, debit card purchases etc I'd receive a {$500.00} bonus. I opened the account on XX/XX/2020 and funded it that day with {$21000.00}. 30 days after I opened the account I got a letter from Bank of America saying I was enrolled in the bonus and will get it. I have satisfied all the requirements to get the bonus, but have not received it. I've gone to 3 different branches and called several times trying to get the bonus I have earned. Bank of America claims they are looking into it, but I never get a reply phone call etc. The terms in their offer stated 75 days it has now been over 120 days with no bonus paid to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting incorrectly that I am 120 days past due on the XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 7 15 of the attached credit report. These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to bring to your attention to the failure of collection agencies to validate & notify of my dispute within the stipulated 30-day period, as mandated by the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) On XX/XX/year>, I sent a dispute letter to XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX and XXXX XXXX regarding an alleged debt they claimed I owe Personal Touch Properties, XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX and XXXX XXXX. This letter was delivered via certified mail, and the return receipt confirms its receipt by XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XX/XX/year> According to the FCRA, the collection agencies is required to investigate and respond to my dispute within 30 days of receipt. Also notify the bureaus of dispute.However, it has now been 31days since the receipt of my dispute, and I have neither received any validation of the debt nor any response from XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX Only after disputing with the bureaus on XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX started making all kinds of damaging changes to my report without properly validating this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed a current copy of my credit report and show mulitple account open on report due to fraud. I completed FTC report and have forwaded report to credit bureaus and have not as of yet receive any updated information on my credit status due to investagation attempts. I have also sent FTC report and identification information my certified mail and show recieved and still no updates. Please review attachment document and remove information from my credit reports.
Product: Debt collection

In an effort to validate a debt collection account that is being reported on my credit report, I asked the collection agency to validate the debt by sending them a letter via certified mail to the address provided on my report. The letter was mailed on XX/XX/2019 and I have not received a response. They have failed to respond within 30 days.
Product: Debt collection

Security Credit Services continues to report to credit bureaus ( recently XX/XX/XXXX ) without validating this debt. I have no knowledge of what this debt is and have continually called this company, left numerous voicemails and have not been sent any validation information or return calls. This company is not licensed as a collection agency in the state of MI, their license lapsed on XX/XX/XXXX.
Product: Mortgage

collection of legal expenses and other charges without presenting evidence of valid proof of claim for these charges. They only quote it but they don't show it.
Product: Student loan

I found out that my loans, now transferred to XXXX XXXX  from XXXX, have now had their clock restarted at month XXXX for making the 120 qualifying payments. I am almost finished my 10 years since paying the loan and now I find out that I am starting at the very beginning! There were several discrepancies. At several points my loans were placed in forbearance not of my choosing ( XXXX says that XXXX may put my loan in forbearance without my knowledge at any time ). They have lost almost 2 years of payments when my loan service provider had a different name ( XXXX used to be XXXX XXXX from the dates XX/XX/XXXX to XX/XX/XXXX ) even though I have the email confirmations of payment. Plus the fact that I USED to be on an income repayment plan when I re consolidated my loans and that seems to have disappeared off of my record. This is absolutely horrible! I am working as a XXXX at a XXXX   XXXX  where I could have used my XXXX XXXX XXXX in a private sector job. I wanted to work for my alma mater and love working in XXXX XXXX. It seems that many were duped by the PSLF and apparently there is nothing I can do.
Product: Mortgage

Tried to get assistance with my home loan and they would not help. Ended up foreclosing on my home and selling it at auction. This was about 5 years ago, and today I receive a check for XXXX from the stating that they had an error is on the assistance process. I lost my house and they only give me XXXX? If they are going to pay out I seek a real payment rather than a small XXXX. They ruined my life and caused me to leave the house I was in for 17 years.
Product: Credit reporting or other personal consumer reports

Ive been disputing inaccuracies and the company keep updating inaccurate information I asked them to do reinvestigation and still account has not been deleted! Consumer reporting agencies havent sent me any description or relevant information on these accounts. Account name- XXXX XXXX  XXXX # XXXX XXXX XXXX  XXXX # XXXX Also XXXX  keep updating XXXX with inaccurate information please have these accounts deleted! These consumer reporting agencies are breaking FCRA LAWS!!!! 15 usc 1681 ( a ) ( 1 )! 15 usc 1681 ( b ) ( 2 ) permissible purpose! 1681 ( 6 ) ( b ) iii description of procedure! And also a consumer report excludes transactions and experiences accordance to 15 usc 1681 ( a ) ( 2 ) i please please delete!
Product: Mortgage

XXXX XXXX purchased a house. National Direct Mortgage didn't explain to me, I had to repay the down payment assistance back. I had previously taken an education class through a HUD approved agency, to obtain down payment assistance. They made it seem their down payment assistance was better. Being a first time home buyer, they didn't allow me to utilize any first time homebuyer monies available in my area. My realtor had asked the lender if I could utilize the XXXX rehab monies, to help with some issues in the house. They told her yes, but they infact didn't include it in the mortgage. Because I am a XXXX  and first home there are programs in my area that could have helped with down payment and closing costs. Once I signed for the house, the mortgage company sold my mortgage to XXXXXXXX XXXX When they contacted me and informed me I had a second mortgage on the property, hence down payment money I had to pay back I was surprised. This thru me into a depressive state, then finding out I had to have XXXX XXXXXXXX after making my first payment. I tried contacting XXXX XXXX they were transitioning their phones to another location. I even had XXXXXXXX XXXX XXXX XXXX XXXXry and call and email them. It took them till XXXX XXXX to finally get back with me. In XXXXXXXX XXXX  they had sent me the wrong paperwork to help with the mortgage. I had to resubmit, buy that time it was XXXXXXXX XXXX. I went back to work in XXXXXXXX XXXX My bills were piling up on me. It took XXXX XXXX till XXXX, XXXX to give me a forbearance. I told them I was still struggling.
Product: Credit reporting or other personal consumer reports

The company will not remove inaccurate information from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested a tax lien withdrawal and provided copies of the lien release. Both XXXX and XXXX removed the tax lien without additional information being needed. Experian requested additional information ( name, social security, address, and description of the problem ), which was already included in the original request. This appears to merely be a stalling tactic used to delay and discourage consumers. I would like to resubmit this tax lien withdrawal from my Experian credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

We had an account with XXXX and we purchased ten phones for our business then their employee XXXX came to our place of business " to help us with our new phones '' which she ended up stealing. ( see police report ) XXXX later admitted to us that their employee XXXX stole about sixty phones from them and that she had a warrant for her arrest. XXXX knew their employee had a previous record yet they had her work with the public and steal our phones. 
Now they are trying for me to pay for them ( see police report ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX continues to report inaccurate, inconsistent, false and damaging information on my credit file. I have given them multiple opportunities to correct errors on my file and they have failed. My actions have included emailing and calling multiple executives in the organization. It is not my responsibility to identify the inconsistent data for them. I demand this tradeline be " DELETED '' immediately as this has been investigate and reinvestigated multiple times and still contain errors. I have taken multiple financial hits due to their inability to report data lawfully in accordance to FCRA. 

In review of the attached credit file downloaded today from XXXX, attached file XXXX 3, you will see 30 day late reported XXXX 2019 and on the attached file Experian 1 you will see 30 day late reported XXXX 2019 with inconsistencies being XXXX. 

I am not reporting this for a tradeline update. I demand the tradeline be " DELETED '' immediately for failure to comply with laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

BOA put a fraudulent credit card inquiry on my credit file, its not mine and its damages my credit score. On XX/XX/2022 XXXX