23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

So this case is a bit complicated but apparently I was approved for a VA CARES Act loan modification last XX/XX/XXXX but Caliber Home Loans never told me. I had promptly completed my application in about XX/XX/XXXX in response to Caliber 's written request for such documents. They apparently sent the approved modification paperwork to my then former attorney 's ( old ) office address without my consent or agreement. I had been communicating with them directly for my application so I have no idea why they did this. Because Caliber did not identify the attorney 's name or even firm name the mail was never forwarded to him and likely was returned to Caliber. I contacted Caliber by email on XX/XX/XXXX at XXXX to the same email address Caliber and I had been communicating previously ( and Caliber asked me to use ). I never received a response to my email and assumed my completed application was still in process. Later, Caliber wrote to me again at my former attorney 's ( old ) office address without my consent or agreement again in the Fall saying my modification was denied but I and my former attorney never received this correspondence either since it was sent by Caliber to the wrong address with knowledge the address was wrong. 

In XXXX or so I started receiving mail from Caliber 's foreclosure attorney that seemed strange and I did not understand. I contacted my former attorney who is now helping on a pro bono basis to try to figure this out. I also started the process to apply for XXXX funds from the State to see if we can make this right. But because of the problems the State had with it's role-out of the XXXX program my initial application was not accepted until XX/XX/XXXX. My attorney also told Caliber 's foreclosure counsel that my application for XXXX was pending but Caliber 's counsel has represented ( at least through today ) that it will not wait on the foreclosure anymore and Caliber claims the State has not communicated with it. The State seems to indicate that Caliber has not designated a representative until just yesterday. 

I first learned that a sale had been scheduled from my VA representative on XX/XX/XXXX. My pro bono attorney contacted Caliber 's foreclosure counsel who represented he had not scheduled any sale. However, a few days later he was apparently instructed by Caliber to schedule the sale even though Caliber knew I had registered with HAF. Now Caliber is advertising a foreclosure sale of my home and property even though it knows my application for XXXX is pending and I never received the modification offered to me last XXXX. 

I also sent Caliber a XXXX and Notice of Error about all these issues on XX/XX/XXXX which it received on XX/XX/XXXX. I have not received any acknowledgement or response whatsoever to that correspondence from Caliber.
Product: Credit reporting or other personal consumer reports

That on XXXX XXXX XXXX I sent a written notice to Department of EducationXXXX opting out of credit reporting. The Department of EducationXXXX has yet to respond to my demand.
Product: Credit reporting or other personal consumer reports

( XXXX XXXX XXXX XXXX, ( XXXX ), ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. 
This fraudulent, inaccurate, and false information consists of Two credit cards one with XXXX XXXX XXXX  opened XX/XX/XXXXXXXX Account number ( XXXX ), and XXXX XXXX  opened XX/XX/XXXXXXXX  Account number ( XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXXXXXX  Account number ( XXXX ), and XXXX XXXX XXXX XX/XX/XXXXXXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Myself and apparently hundreds of others have attempted to file a dispute claim with Transunion but the online dispute option does not show up randomly. I have requested that TRANSUNION remove an account from XXXX XXXX XXXX that I was removed from being an authorized user and thus my responsibility has been terminated and I am not responsible for this account. As such, I am requesting this account be removed immediately as it is causing inaccurate information and severe damage to my credit standing.
Product: Payday loan, title loan, or personal loan

I recently applied if store card with XXXX. XXXX is bank by synchrony. After filling out the application. I received a message stating synchrony ban needed a little bit more information. With in a day or so I called synchrony bank to provide any information that they had needed to approve me for store card. After briefly speaking a representative from synchrony bank to clarify the information they had needed to approve my application the agent stated that they new to verify my identity by scanning my drivers license.I was sent a link to my cell wich is XXXX to scan my identification card. I ran to an issue with the scanning. It accept the front of my identification card. But was rejecting the back of it. After a few trys of trying to get the back of my identification card scanned. I was locked out. I called synchrony bank back to let them know the issue I was running into. I was connected to agent. Ready to let him know the issue I was having with uploading my document. Before I can even let this agent know the issue he abruptly interrupted and said we seen what we need to see and we are not approving your application. In disbelief I ask the agent why. And he said you will get a letter in the mail XXXX explaining why. I was very confused and felt discriminated against. In the past I had someone trying to use my information to apply for credit cards and loans. 10 years later with me getting my identity back I have several major credit cards one with the highest limit being {$20000.00}. I was excited for applying for synchrony card. But after the agent being very rude and not helpful made me feel very discouraged. This complaint is mostly towards the agent and not synchrony bank. Hopefully that conversation was recorded and they can understand my frustration in this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

Requested my CLUE report in XX/XX/2020 as I am entitled to see it once yearly. I was sent a letter in the mail with a web address and pin number to access that report. Upon trying to access the report on XX/XX/2020, I was denied entry to view the report even though the pin was not expired. I then called the help phone number provided and was placed in an automated system that did not work. I attempted to obtain a live agent but was not able to reach one. 
Due to this, I am not being provided my CLUE report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been receiving emails from XXXX XXXX about my credit being ran and denied. I have not given this company nor any third party it works with to run my credit. I have called and emailed them and continue to receive 3-5 emails daily from them about my credit being ran. Latest was a senior manager XXXX XXXX. Emails consistently have Clarity service on them. Contact was made and to no aveil nothing has been done to stop it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX XXXX has violated my rights XXXX XXXX has violated my rights XXXX XXXX has violated my rights XXXX XXXX has violated my rights XXXX XXXX has violated my rights XXXX XXXX has violated my rights XXXX XXXX  Bankruptcy Reference # XXXX has violated my rights XXXX XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a credit score over XXXX XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Product: Credit reporting, credit repair services, or other personal consumer reports

we have AUTO PAY to pay our mortgage payment each and every month..our mortgage company FREEDOM MORTGAGE has taken their payment every month without a hitch. however recently they reported to the credit bureaus that my XXXX and XXXX payments were both 30 days past due! how can i be late when freedom TAKES their payment directly from my bank..fyi..my bank and my on line freedom account both clearly show these ( and all ) payments paid on time ( XXXX on month ) ... my fico was XXXX before this..it has taken a big hit ... we did not get to a XXXX fico score by making late payments ... freedom insists their info is correct ... ..this is XXXX
Product: Money transfer, virtual currency, or money service

I contacted XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, IL XXXX, for a shower glass door. I made the first payment with a credit card ( {$870.00}, half of the agreed amount ), and I received the glass. Right after the door was installed, I received an email from XXXX ( did not notice the difference until later - 'an extra 's ' at the end ) asking for the remaining balance. The email also included my previous conversation with XXXX XXXX. I agreed to make an ACH payment, and I received an email with the following information : Chase Bank Account holder : XXXX XXXX XXXX. 
Routing # XXXX Account # XXXX Two weeks after the payment was made, I received a call from XXXX XXXX saying that their email was hacked and that the payment had not been credited to their account. I called Chase Bank, but I was told that the payment could not be reversed because the reverse period expired.
Product: Debt collection

While monitoring credit reports, I received a notification of a collection account from XXXX XXXX for {$3300.00} reported to collections on XX/XX/2023. This is not my account. I have never had wireless service with XXXX ; I am with XXXX and was with XXXX prior XXXX 

The account was opened on XX/XX/2023, closed on XX/XX/2023, and reported to collections with XXXX XXXX XXXX on XX/XX/2023. Again, this account does not belong to me. 

I have spoken with XXXX at Convergent Collections, and she instructed me to file this report.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are mistakes in my report, please verify or remove immediately :   XXXX   XXXX    XXXX  -  XXXX  > I do n't recognize this account   XXXX    XXXX  > I never paid late   XXXX   XXXX    XXXX  > I never paid late  XXXX   XXXX   XXXX   XXXX  > I never paid late
Product: Checking or savings account

From the year XXXX to XXXX, I banked with Bank of America in XXXX and XXXX, Washington. In XXXX, Bank of America unilaterally closed my checking and savings accounts and terminated our relationship. The Bank claimed, and I agreed, that I had been the victim of fraud two times. 

Since the time Bank of America closed my accounts, there has been a warning associated with me that I do not understand, but I can not open a checking/savings account in a national bank, like XXXX or XXXX XXXX . These banks tell me there is a derogatory remark on my record and I want to challenge this. 

Bankers : Bank of America
Product: Debt collection

I just became aware of an account from XX/XX/XXXX from saying I owe XXXX dollars from a XXXX bill. I still have XXXX XXXX and I don't owe them. My account is up to date. When changed were made to my account I was told everything transferred over which it did because I paid for it. Now here it is XX/XX/XXXX and this show up as collections on my credit report. No one from XXXX has ever contacted me stating that I owe money.
Product: Checking or savings account

- XX/XX/XXXX I visited a XXXXXXXX XXXX location and closed my checking account which at the time had a {$0.00} balance. I confirmed with the branch there were no outstanding checks as I never ordered nor wrote checks against the account. 
XXXX I receive a letter from a collection agency stating I have an outstanding balance with XXXXXXXX XXXX and presented payment options. 
- I received XXXX pages of statement history. From XXXX to XX/XX/XXXX, XXXX of the XXXX pages contained actual charges/ deposits/ withdrawals. The other pages showed an account going further into the negative balance as fee piled on top of fee. After I closed my account, suddenly checks from XXXX are presented for tender in the amount of {$39.00} and the next line would be XXXX NSF fee {$35.00}. A total of {$140.00} NSF fees, {$90.00} Sustained Over Draft fees, {$2.00} statement delivery fee, {$9.00} account maintenance fee, and on XX/XX/XXXX a {$39.00} XXXX charge was completed. Total fees : {$240.00}. XXXX XXXX of charges after account closure = {$280.00} -Summary. This checking account was closed in person XX/XX/XXXX. The XXXX Account, the source of the NSF fees, was closed XX/XX/XXXX. I am not responsible for these charges as all were created after the account closure
Product: Checking or savings account

I received a call from CHASE and it stated chase bank on my caller ID stating that my XXXX account has been compromised and its been the party involved. XXXX XXXX has all my personal information and then order to get my money back. I would have to transfer the money to the manager of Chase.
Product: Debt collection

The Best Service Company has been harassing me trying to collect a debt I do not owe. Although the original creditor sent me a letter XX/XX/XXXX stating that they did not have any record of the alleged debt this collection agency has been harassing, and report negation information to the credit bureaus. I am also here, reporting the unfair behavior of XXXX XXXX XXXX XXXX, XXXX XXXX in XXXX, New Mexico for telling me on one hand that they did not have any record of this alleged debt, and on the other hand allowing their collectors to harass me XX/XX/XXXX. 
Enclosed is a copy of the letter from the original Creditor.
Product: Debt collection

Hello the company LOCKHART MORRIS & MONTGOMERY has violated the Fair XXXX Collection Practice Act by trying to collect on a debt not owed and by reporting an alleged medical account to all three credit bureaus. I spoke with a representative from LOCKHART MORRIS & MONTGOMERY on XX/XX/XXXX to get more details on an account this company reported as being in collections after being notified a new collections account appeared on my credit report. 

During my conversation with the representative, I was told the debt is from 2015 and is from an emergency visit to a hospital. I told the representative I never visited the hospital in question as my primary care physician is at another hospital company. The representative insisted I had visited the hospital but they had my address wrong. I was advised to call the hospital in question. When I called the in the alledged hospital I was accused of visiting in 2015 they confirmed I never had an account with them, no open or past debt, and they never sent any bill to collections. 

After speaking with the alledged hospital from where the debt orginiated, who then confirmed I never had any past due debt with them nor a record of visiting their ER service in 2015 I proceed to call LOCKHART MORRIS & MONTGOMERY and demand they remove the collection account from all XXXX credit bureaus. They refused stating the debt was valid. I asked them to provide proof of debt or a bill of sales. It's been XXXX weeks I have yet to receive this. They have never provided proof of this account belonging to me or how they got my information. 

In addition any alleged medical debt is not permissible to be reported to any credit bureau due to changes to the Fair Debt Collection Practice Act. Wisconsin also has a statue of limitations where debt older than 6 years can not be collected. The alleged debt supposedly originated in Wisconsin in 2015. The company has also failed to prove the debt is mines to begin with.
Product: Money transfer, virtual currency, or money service

I was approached by some woman off of XXXX to be able to make more money and I talked to her for awhile until I became more comfortable with what she was talking about and it was cryptocurrency. She had me create an account on profitunits.com and there I had a wallet where I would buy bitcoins from cash app and put it into my wallet on profitunits so I can XXXX XXXXXXXX it. She would tell me when to trade and how many amounts. I invested {$9000.00}. On my account it showed I profited {$65000.00}. When I went to withdraw the amount they told me I needed a withdrawal pin. In order to get this pin I needed to pay profitunits XXXX  % of the amount I want to take out into some bitcoin wallet. After that they wanted you to pay the XXXX % commission fee up front before you receive any of your money. After this I realized I just lost all of my savings and I was scammed. My XXXX and XXXXXXXX  also invested into this platform and lost large sums of money too.
Product: Credit card or prepaid card

I feel discriminated against by CHASEBANK I applied for my first credit card with them since I just became a us citizen and wanted to build a relationship and open my first card with them they denied me claiming my credit history but how do they expect me to have one when I just became a citizen and want to have my first credit card with them they are nit beinf complainant or nice they declined me
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is still reporting inaccurate information to 2 of the 3 major credit bureau 's. XXXX has deleted them from my credit report after reviewing my complaint and dispute. I have sent in several requests to have this information verified bearing my signature, dates, and accuracy of the alleged amount. They have not supplied me a single copy or response to my request since XX/XX/2018, when the 1st request was made. I am now seeking legal action. I have sent my requests out via certified mail and have all of my documents ready to go for proof of service. 

Summit Financial Corp, is doing bad business. They are not updating accounts correctly and they are not reporting cars that have been resold for their profit. This company is charging on going interest monthly on accounts that have been closed out. They do not verify information that is being requested. 

Summit Financial Corp XXXX XXXX XXXX XXXX XXXX, FL. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act : -XXXX XXXX XXXXs Account # XXXX XXXX XXXX  Account # XXXX has violated my rights. 
15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.