23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have a mortgage on my home with Caliber Home Loans, XXXX   XXXX, OK. I have been trying for several years to get a loan modification application approved to get my mortgage payments lowered and a better interest rate. The VA is also on the mortgage as my husband was a XXXX XXXX  veteran. Unfortunately, my husband passed away in XX/XX/XXXX and the mortgage is in his name ONLY. Caliber sent me a loan modification agreement with a letter dated XX/XX/XXXX. The agreement had signature lines for my husband 's name only. Caliber had already supposedly put the account in my name as " Successor of Interest '' for the mortgage. My husband passed away XXXX. I called Caliber to ask them about my husband 's name being on the signature line of the loan mod agreement. The representative I spoke to did NOT have a copy of the agreement on his computer, but told me to just cross out my husband 's name and sign my name on the agreement. I signed the agreement in front of a Notary Public and then mailed the agreement to Caliber in the overnight mail. I did not hear from Caliber and called them on XX/XX/XXXX. The Caliber representative informed me that the agreement was dated for XX/XX/XXXX and Caliber was NOT going to accept the agreement and they were proceeding with the Sheriff 's sale of my property. I spoke to a VA representative on XX/XX/XXXX in XXXX who is servicing this account. That rep informed me that she could see on her computer records that Caliber had APPROVED the loan modification application in XX/XX/XXXX and again in XX/XX/XXXX. I never received this approval from Caliber nor did I receive an agreement from Caliber. My husband was still living in XX/XX/XXXX so he would have been the one to sign the agreement, but we did NOT receive that agreement. This is a super mess and has been ever since we started doing business with Caliber Home Loans several years ago. I have submitted NUMEROUS loan mod applications over the years and Caliber holds onto the documents long enough for them to become outdated, and then they request new, updated documents so I have to start the loan mod application all over again. I have over twenty-five ( 25 ) years ' experience in the XXXX  field and am currently XXXX for XXXX XXXX. I keep very good records of everything which has taken place during this process. We had asked for a modification when my husband retired and I was not working. I have been XXXX for XXXX XXXX  for the last four ( 4 ) years and am able to make my mortgage payments on time each and every month. But Caliber has never been interested in that fact. They prefer to play games and keep me on a merry go round and in suspense as to whether or not I will be able to keep my home. I did a XXXX search on Caliber Home Loans and a large number of lawsuits and class action lawsuits popped up where customers have sued Caliber for many of the same issues I am having with them. The rep at the VA suggested I file a complaint with you so that maybe you can investigate this terrible mess and possibly help me to keep my home. Thank you for your assistance, have a great day and XXXX Bless You! XXXX XXXX XXXX, XXXX XXXX
Product: Credit card or prepaid card

I made a purchase of a hotel stay in XXXX for XXXX a total of {$10000.00} ( {$4800.00} on XXXX and {$6000.00} on XX/XX/20 ). I cancelled the reservation with them on XX/XX/XXXX agreeing to a {$2000.00}, cancellation fee. Subsequently, I got a notice from the vendor that they were not returning anyone 's money so i disputed the charges. The vendor acknowledged that I was owed $ {$2800.00} ( {$4800.00} payment less the cancellation fee ) for the other charge. 

However, the vendor initially denied my claim on the {$6000.00} saying it was cancelled due to XXXX government shutdown. Chase closed the claim without asking me on XX/XX/XXXX so i immediately appealed and sent them on XX/XX/XXXX the email showing the vendor agreed to cancel before the shutdown and as such, I am due my money. I have followed up with Chase many times since then each time being told I had a valid claim that they would fix and to call back in a few weeks if I didn't see the correction. On a few occasions, the supervisors indicated that they didn't know why the claim was incorrectly handled. 

On XX/XX/XXXX, they sent a request for additional information. I submitted it online on XX/XX/XXXX. On XX/XX/XXXX, they denied the claim and when I called they said it was because the charge was to old. I have tried everything in my power to get them to fix the situation but Chase has delayed and now wants me to suffer because of their mistakes. Please help me get my {$6000.00} back.
Product: Debt collection

So this company XXXX XXXX XXXX is trying to collect a debt from the original creditor, which was XXXX. XXXX they were bought by XXXX XXXX debt collection. Now my information is being sold to third-party debt collector. They are not the original creditors and this debt has fallen off my credit report. It also has been over XXXX years on this debt. They have been contacting me through text sending me documents and calling my phone. I want this to stop. I contacted XXXX And I was Told that this debt from XXXX or XXXX was no longer on my credit report I will also be contacting the other two because this is an old debt that should have been removed and I dont want companies taking advantage of me by trying to resurrect Old debts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in to transunion to remove inquiries that arent mine! They are as follows XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX.
Product: Vehicle loan or lease

On XX/XX/XXXX, XXXX XXXX located in XXXX, MI repossessed my vehicle for owed payments to Gateway Lending & Finance for a XXXX XXXX XXXX. I attempted to contact Gateway One that same day but never was able to speak with an actual representative live. I finally got a hold of someone at Gateway XX/XX/XXXX. The person I spoke with directed me to the repossession collection agency XXXX XXXX to obtain my items from my vehicle as permitted by Michigan law. I contacted XXXX XXXX on XX/XX/XXXX XXXX XXXX and spoke with a person claiming to work off of appointments. Since the vehicle was repossessed from XXXX XXXX, MI to XXXX, MI there is at least a 30 minute drive for me to get my items back. I told the person I would have to contact XXXX XXXX back again after I arrange for a ride to pick my items up. I was under the impression that I would have time to actually go through the vehicle, the person at XXXX XXXX claimed it was a 30 minute appointment. I contacted XXXX XXXX on XX/XX/XXXX after arranging transportation at XXXX XXXX and leave a message. The person contacts me back at XXXX XXXX on XX/XX/XXXX. We agree to an appointment at XXXX XXXX on XX/XX/XXXX for me to be able to remove my items. I ended up being late for my appointment since my elderly, XXXX mother let me drive her car there but got lost on the way to pick me up. I contacted XXXX XXXX at XXXX XXXX  on XX/XX/XXXX to confirm our appointment at XXXX XXXX, the person I spoke with stated ok. I contacted them again at XXXX XXXX on XX/XX/XXXX to let her know I was running late, there was no answer nor any answering machine when I called. I called again at XXXX XXXX  on XX/XX/XXXX and left a message stating I was running late. Once I arrive at XXXX XXXX the person claimed our appointment was at XXXX XXXX very rudely instead of XXXX XXXX as if wanting some kind of argument despite our phone call confirming the latter time earlier on XX/XX/XXXX. The person claimed the paper I signed was to waive any fees associated with removing my items from my vehicle that may be imposed by XXXX XXXX. She then told me to stand outside of the office. Seconds later she threw a trash bag with holes in it and full of my items onto the ground but did not say another word to me. Once I was able to go through the items in detail in the trash bag I realized that there are at least 2 items missing that were in my inner console of my vehicle which belong to me. I contacted XXXX XXXX to notify them of the missing items at XXXX XXXX on XX/XX/XXXX and left a message. XXXX XXXX lied about our confirmed appointment time and stole at least 2 items from my vehicle. I have my cell phone call listings to show when I contacted XXXX XXXX to obtain my items from my vehicle as proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit information was used to obtain credit with J.P. Morgan chase on numerous times I have contact them about this situation before information was ran thru there database XX/XX/2020 XX/XX/2020 also XX/XX/XXXX XX/XX/2020. To obtain a line of credit which where fraudulent applications that me and J.P. Morgan was aware of and have spoken about
Product: Debt collection

I received a debt collector notification that I owe {$99.00} for an apartment I moved out over 3 years ago. I paid all outstanding balances and the apartment management no longer exists. I have not been provided with any information on what is owed or why and when you search for XXXX XXXX XXXX they have many reviewers how they are a collection company that takes people 's names from old apartment buildings and that they hold over you that they can negatively affect your credit so just to pay. I was never notified that I owed my old apartment management any money and XXXX years later they reached out saying I have an outstanding balance.
Product: Debt collection

I have submitted two typed/written letters sent certified mail to RMP ( Receivables Management Partners , LLC ) to validate the debt and the letter specifically asked them to stop communicating with me and ; All future communications with me MUST be done in writing. However, they are still calling and have continued to call my cellphone. I sent the first letter on XX/XX/XXXX and sent the second letter on XX/XX/XXXX. They have not validated the debts and they continue to call me and fill up my voicemail on my cellphone ; so no other calls can get through. 
XX/XX/XXXX @ XXXX XX/XX/XXXX @ XXXX XX/XX/XXXX @ XXXX, XXXX XX/XX/XXXX @ XXXX pm XX/XX/XXXX @ XXXX XX/XX/XXXX @ XXXX XX/XX/XXXX @ XXXX XX/XX/XXXX @ XXXX, XXXX XX/XX/XXXX @ XXXX, XXXX XX/XX/XXXX @ XXXX, XXXX XX/XX/XXXX @ XXXX, XXXX
Product: Vehicle loan or lease

American credit acceptance repossessed and sold my car, and they hired a collection agency to collect the reaming amount on the account however the amount reported to my credit bureau and the amount ACA had on their website was way different to the one reported to the collections agency. 
I disputed that amount with collector saying that amount was higher than the original balance! Its been six months already and I havent been able to pay that balance because American credit said they no longer had the account and asked me to contact ththem debt collector ( XXXX XXXX ) and the collector said they dont have the account either they said they sent it back to ACA for incorrect balance the problem is that ACA keeps reporting the account late every single month and they havent able to fix that problem with truaccord I did a three wash call with both of them about 4 months ago and they even made a report on this issue and as of today I havent been able to pay that balance but they keep reporting late to XXXX. And because of that I havent been able to get another car loan because they wont take a payment and theyre refusing to take payments and still damaging my score and chances of getting another loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom i t may concer ns, I am writing regarding a few accounts that have been on my credit report with Experian for more than 7 years. I have contacted Experian many times and they have refused to assist me. These accounts have been satisfied and closed with a zero balance but Experian has refused to remove them from my credit report. This is now affecting me financially because creditors are seeing all these accounts on my file and are refusing to assist or give me credit unless these are removed.   I have sent letters to Experian and I have never received any answers from them. I even made phone calls and I was advised I can not be assisted. I am now ready to file court papers against Experian because unless mistaken all these accounts that have been satisfied or closed and I have a  XXXX  balance and should be removed/deleted from my credit report because it has been way more than 7 year sometimes 10 years and I can not get any assistance. Here is the list of all the accounts :  XXXX   XXXX  : Account #  XXXX   XXXX   XXXX  : Account #  XXXX    XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX  :  XXXX   XXXX   XXXX ,  XXXX , NY  XXXX   XXXX   XXXX   XXXX   XXXX   :  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX , SD  XXXX    XXXX   XXXX   XXXX   (   XXXX   XXXX   NEVADA ).     I have also hard inquiries that were previously removed from my credit report but have reappeared with absolutely no reasons at all. I have sent certified letters requesting assistance and they have never responded to any of my requests : This is the list of inquiries that should be deleted from my credit report :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX  RENTAL HISTORY REPORTS ON SITE MANAGER  XXXX   XXXX   XXXX   XXXX   XXXX  Thank you
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX NJ XXXX To whom this may concern We wish to cancel our gap insurance waiver # XXXX. We never intended to have it in the first place.
Product: Debt collection

checked credit score on XX/XX/XXXX shows that I have an open collection for the past 7 months ( XX/XX/XXXX ) from XXXX XXXX XXXX XXXX. 
When I looked the company up it shows they have a history of getting peoples information and sending them to collections for no reason
Product: Checking or savings account

chime offers a service called mypay. Line of credit given until next t payday. My limitwas XXXX. I used XXXX of it leaving XXXX. When I went to transfer the XXXX over to my checking, it was gone. Im on a fixed income and the credit was acccounted for in paying my bills. When asked many people ( callled many times ) the answers were all over the place. This isnt the first problem i have had with them. They will not answer questions and talk in circles. becaause of their error, bills will not get paid
Product: Credit reporting, credit repair services, or other personal consumer reports

FTC Violations Texas Auto Dealer Will Pay More Than {$82000.00} To Settle FTC Charges It Violated Fair Credit Reporting Act Loan-Servicing Arm of XXXX XXXX Failed to Maintain Policies and Procedures Required by FCRAs Furnisher Rule to Maintain Accuracy, Integrity of Consumer Information XXXX XXXX XXXX  XXXX XXXX  {$170000.00} XXXX XXXX Inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3300.00} XXXX XXXX XXXX {$220.00} XXXX XXXX  {$990.00} XXXX XXXX XXXX {$170.00} Disputing Credit Card Charges Have you ever been billed for merchandise you either returned or never received? Has your credit card company ever charged you twice for the same item or failed to credit a payment to your account? While frustrating, these errors can be corrected. It takes a little patience and knowledge of the dispute settlement procedures provided by the Fair Credit Billing Act ( FCBA ). 
The law applies to " open end '' credit accounts, like credit cards, and revolving charge accounts, like department store accounts. It doesnt cover installment contracts loans or extensions of credit you repay on a fixed schedule. People o! en buy cars, furniture, and major appliances on an installment basis, and repay personal loans in installments, as well.
Product: Credit reporting or other personal consumer reports

Dear Experian I am writing to request the deletion of inaccurate and fraudulent accounts present on my consumer credit reports and to bring to your attention the failure of XXXX XXXX, XXXX, and XXXX XXXX XXXX to provide the necessary proof of debt validation within the stipulated time frame of 30 days. I have previously sent certified dispute letters to these companies requesting verification of these accounts, as per the Fair Credit Reporting Act ( FCRA ), and have obtained a certified receipt with a signature confirming their receipt of the letter. 

Despite my efforts to rectify the inaccuracies in my credit report and to ensure compliance with the FCRA, these companies never responded to me with the verifiable documentary proof, original consumer contract, or similar proof bearing my wet ink signature on it, 30 days went by and I received nothing from this companies. 

As outlined in the FCRA, failure to provide documented and verifiable proof within the specified time frame obligates the removal of unverified, invalid, derogatory accounts and information from my consumer report. Despite the receipt of my dispute letter and the lapse of the 30-day period, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX  has neither provided the requested proof nor rectified the inaccuracies in the reported information. They didnt respond to me at all and therefore by law I'm demanding the deletion of these accounts on my credit report immediately. 

I formally request Experian to remove the disputed accounts XXXX XXXX, XXXX, and XXXX XXXX XXXX from my credit report, as per the provisions of the FCRA. The failure of these companies to validate the debt within the statutory timeframe signifies their non-compliance with federal regulations and warrants the removal of the disputed accounts. 

I have enclosed a copy of the certified dispute letters and certified receipts with the tracking number, date, and signature someone received it for your reference. I kindly request your prompt attention to this matter and the necessary action to remove these inaccurate and fraudulent accounts off my credit report. Thank you for your prompt assistance in resolving this matter.
Product: Credit card

HELLO MY NAME IS XXXX XXXX, I AM MAKING THIS COMPLAINT BECAUSE THEY STOLEN THE CREDIT CARD OF MY AUTHORIZED USER ( XXXX XXXX ) TO MAKE FRAUDULENT PURCHASES. I CALLED TO REPORT THE TRANSACTIONS AND THE LOSS OF MY CARD WITH HOME DEPOT, I ALSO SAW THAT THEY CLOSED MY ACCOUNT BECAUSE THEY SENT ME REQUESTING DOCUMENTATION, BUT I NEVER RECEIVE A LETTER FROM HOME DEPOT,
Product: Bank account or service

In XXXX 2014, I saw a poster advertised on the window front of my local Suntrust Bank. It promised a bonus of {$150.00} for opening a new account, as it read " It 's never been so easy to earn {$150.00} '' and on the bottom it read " For a limited time, we want to offer you a {$150.00} gift card just for signing up ''. Inside the bank, I was explained that I 'd have to have a special account that could accept credit card payments. I told the rep, that I do n't really need to process credit cards, but was persuaded anyways to open an account. I was assured of getting my bonus after just XXXX credit card transaction. I received a swiping device for credit cards for my smart phone soon after. I processed XXXX card for {$1000.00} and when I got the statement, I was shocked to see a charge of over {$80.00} as a processing fee. I was sure it was a mistake, and called the bank so they could correct it. They denied that it was a high fee, stating that it was a competitive fee for processing credit cards. That rate sounded very high to me, so I asked them to close my account. I was told : " Sir, if you close your account now, you 'll be charged an early termination fee of {$500.00}. If you want to avoid this penalty fee, you 'd need to wait for 1 year for the contract to end, before you can close your account. However, we 'll continue charging you our " standard '' monthly fees for that time ( 1 year ), and then we 'll refund you retroactively for that year. '' I was surprised to hear all this, since nobody ever explained any of this when I was signing up. On the day I signed up, I was in the bank for about XXXX7 minutes and was told to sign and initial in a few places, and the rep did n't give me any time to look over the documents saying, " It 's just the standard stuff all banks ask you to sign ''. In any case, I did n't put up a fight, deciding just to wait out the year to avoid the {$500.00} fee. I waited patiently for 1 year, not paying too much attention to the exhurbant fees I was being charged, knowing I 'd be getting them refunded soon. However, when the year was up, I called the bank to close my account, and to my surprise I was told " Sir, your contract is for 3 years, and if you close now, you 'll be subjected to the {$500.00} early termination fee. '' I could n't believe my ears. I tried to explain that I was told it would only be 1 year, but the other party did n't want to hear of it. I was also told at that time, that no fees would be refunded to me. After calling and emailing different parties at Suntrust with no success, I had to close the account " early ''. I ended being charged {$500.00} as an early termination fee. It 's been 2 years since I regretfully opened up an account with SunTrust Bank. They charged me close to {$1000.00} in fees and still send me letters claiming that I owe them more money. They recently threatened to report me to a collection agency which will affect my credit score, if I do n't pay up. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX should not be reporting to XXXX ; XXXX  and Transunion that I am ( 30 ) plus days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have attached for reference the Forbearance Agreement dated XX/XX/2020 along with the Forbearance Letter confirming the forbearance was granted dated XX/XX/2020. This letter specifically states the following - you are not required to make any payments during the forbearance. The three bureaus are reporting the lates in error and it is seriously harming my credit score. These line items need to be removed and/or updated to report accurate information. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a pressing issue regarding the prompt removal of charge-off accounts with incorrect balances from my credit report. As a conscientious consumer, I value accuracy and transparency in my financial records, and I am deeply concerned by the discrepancies that have surfaced. 

Upon reviewing my credit report, I discovered several charge-off accounts with balances that do not accurately reflect my financial history. Despite previous attempts to address these inaccuracies, they persist, causing undue stress and frustration. 

It is imperative that these erroneous charge-off accounts be swiftly removed from my credit report to prevent any further damage to my credit score and financial standing. I urge your team to prioritize this matter and take immediate action to rectify the situation. 

Furthermore, I request a thorough investigation into the root cause of these inaccuracies to prevent similar occurrences in the future. It is essential that your company 's systems and procedures are robust enough to ensure the integrity of consumers ' credit reports. 

I expect timely communication and updates regarding the progress of resolving this issue. Additionally, I seek compensation for any adverse effects these inaccuracies may have had on my credit score or financial opportunities. I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX Balance : {$710.00} XXXX XXXX XXXX Balance : {$560.00} XXXX XXXX  XXXX Balance : {$760.00} XXXX XXXX  XXXX Balance : {$3000.00} XXXX  XXXX XXXX Balance : {$240.00} XXXX XXXX Balance : {$12000.00}.