23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XXXX filed a foreclousure claim against me on XXXX. Since then I had tried to resolve this issue and requested a modification of my loan under harp program. Since then I do have suffered almost all the bad mismanagement and horrors stories that you already know from other persons. My file of monthly requested financial information filed to XXXX and their service agents XXXX is like three inches tall and even though the Judge from XXXX Florida instructed them to resolve my case last year byMay XXXX and the diligence of my legal representative XXXX they never modified my loan. On or about XXXX XXXX i did decided to accept a very bad trial payment period of three months for which I did paid {$2100.00} each month up to XXXX XXXX. After my second payment XXXX changed their service agent from XXXX to Selene Financial and I do have made all my payments up to XXXX XXXX but Selene had not do anything to complete my modification request evaluation. Furthermore on XXXX XXXX they provided XXXX and XXXX information that I am delinquent for over 180 days which is totally incorrect and is hurting my credit score. I need your help to make Selene and XXXX finally evaluate and make me a reasonable modification offer under harp program or their own in house progrms on a timely manner. I am also suffering since XXXX XXXX and lost my wife because of XXXX XXXX and have been making all my efforts and sacrifices to resolve this issue and XXXX XXXX XXXX, XXXX and now Selene Financial have proven to be impossible to move forward even thoth the intervention of the Judge. My only hope is all the help you can provide me, thanks to all of you and Congress XXXX XXXX for their fights againts this abusive financial firms.
Product: Mortgage

My house has an FHA loan through Caliber Home Loans. I have been trying to get reviewed for homeowner help programs for many months but Caliber has never completed this review. Every time I call in I talk to someone different. When I send in the paperwork they always lose or misplace it. When I ask to talk with a XXXX speaker I get put on hold and don't get anyone to help me. I am frustrated and now have a sale date on XX/XX/XXXX. I had a temporary hardship but now want to fix this problem and begin making payments again. Caliber has not given me access to the government programs that are set up to help homeowners in my situation like modification and forbearance and others. They are supposed to help me and let me have an account manager who speaks XXXX  and review my financial information but they have not done this.

I bought this home about 2 and a half years ago with an FHA loan through XXXX XXXX XXXX that was immediately transferred to Caliber by the time of the first payment. I had a good full time job working in a XXXX when I buy the home along with my wife and adult daughter who live here with me. I had problems when I got laid off from my job in the summer of XX/XX/XXXX I could not keep up and began missing mortgage payments. I did side jobs and XXXX jobs to feed my family but could not find full time work for several months. I tried applying as soon as I went late and sent all of the paperwork in to Caliber but nothing ever happened. I would send in all of the papers but then be told that something was missing so I would have to send that in and this happened over and over and then they would break off contact and then I would have to start over. I never had a dedicated point of contact, it was someone different every time. I had requested to work with a XXXX speaker since that was my native language but that was literally impossible for Caliber to do for me.

I am now working full time doing XXXX and XXXX  and in a better place and able to afford a fair mortgage payment. The problem is that Caliber gives me the false statements and ignores my requests for help. Instead of doing a review of my financial information they set me for foreclosure sale.
Product: Credit card or prepaid card

I was unaware Kohls closed my account I asked If they can reopen it so that I can use it they said I would have to apply again my kohls card was one of my oldest revolving accounts and applying again would not be helpful to building my credit.
Product: Credit reporting 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  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX and list of Inquiries. 

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: Mortgage

Got a letter from Bank of America saying they will no longer accept personal checks when paying my mortgage. They claim that they have " received multiple checks over the past months that have been returned by my financial institution due to insufficient funds. '' I never had my check bounced. I feel that they are just harrassing me. I am not late in my mortgage payments. But they do call frequently to ask me when I will mail the payment. Now I get a letter that I have to pay by money order or cashier 's check.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the inquiries listed below are still reporting on my credit report which is a violation of FCRA. The Equifax Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with EQUIFAX CREDIT BUREAU, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the inquiries below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I looked at my credit report on Date, and noticed some things are incomplete and not accurate. I sent a letter to XXXX on Date and asked them to investigate the completeness and accuracy. I received the results and noticed they did not fix nothing. They are breaking the law According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 15 USC USC 1681i ( 5 ) it states that this ( 5 ) Treatment of inaccurate or unverified information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( I ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has a reasonable cause to believe that the information is inaccurate. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer reporting agency if- ( i ) the person has been notified by the consumer at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

This is unfair and if they are doing this to me imagine who else they are doing this too.

Here are the list of accounts that are not reporting accurately delete accounts immediately because of violation of 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681i ( 5 ) ( A ) ( i ) & ( ii ), and 15 USC 1681e ( b ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U.S. DEPARTMENT OF EDUCATION XXXX U.S. DEPARTMENT OF EDUCATION XXXX U.S. DEPARTMENT OF EDUCATION XXXX U.S. DEPARTMENT OF EDUCATION XXXX U.S. DEPARTMENT OF EDUCATION XXXX U.S. DEPARTMENT OF EDUCATION XXXX U.S. DEPARTMENT OF EDUCATION XXXX U.S. DEPARTMENT OF EDUCATION XXXX U.S. DEPARTMENT OF EDUCATION XXXX U.S. DEPARTMENT OF EDUCATION XXXX U.S. DEPARTMENT OF EDUCATION XXXX U.S. DEPARTMENT OF EDUCATION XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Student loan

My account transitioned from one Mohela account to another. While I was told that all my account information and settings would transition, none of this information transition and I have spent the past XXXX  months trying to correct all the issues. Because my auto pay information didn't transfer to the new account my interest rate on my loan was raised so I have been paying extra every month in interest for XXXX  months. My auto pay has now been reinstated, but my application to retroactively fix my interest rate during the incorrect amount time has been ignored. I put in this request XX/XX/XXXX, and have been told it will take XXXX  days, XXXX days, that its been escalated multiple times but still nothing has happened. Mohela can not steal from their clients and get away with it. There are other issues still ongoing with my account but this is the most glaring issue. This is my second complaint on this site about Mohela about the same set of issues. Mohela can not be allowed to rob their clients with impunity. This is a widespread issue with Mohela taking advantage of thousands of people, and not all of them have time or financial literacy to fight back and something has to be done.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I received an email about an account being opened on Chime, under someone else 's name, but using my email address. Over the course of that week, I received more emails containing this person 's personal home address and updates about the transactions they were making using Chime Banking. I thought it was spam at first, but decided to look into it. I now know this person 's name and where they live- which feels like a huge privacy issue, and something a company like Chime should do everything to avoid. A simple email verification would have solved the problem but that's the one email I never received from them. 

As I did not open an account on Chime using this email address, I called their customer service line ( a number I got directly from their website ) to ask that they close the account. They immediately asked for my personal information- I've never heard of nor had a reason to use Chime - there should be no reason they need MY personal information when I never opened an account with them in the first place.
Product: Credit reporting or other personal consumer reports

This is an old debt that keeps reappearing on my credit report I have disputed it before it is beyond the statute of limitations for the state of Michigan and should not be on my report.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XX/XX/year> SSN : XXXX Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the XXXX 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 Collections XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. 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 XXXX 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

I have made several attempts to remove unauthorized inquiries from my TransUnion Credit report. They had several different name profiles on my credit report that do not belong to me. I have called several times to have these removed. With previous fraud alerts on my credit report, they are still refusing to remove my inquiries. The Following inquiries were not authorized by me : XXXX XXXX XX/XX/XXXX, and XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, and XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Date Filed/Reported : XX/XX/scrub>XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$4500.00}
Product: Debt collection

On Wednesday XX/XX/XXXX I was contacted by Fair Collections Outsoucing or FCO. They immediately asked me for my address and SSN without identifying their name and their business. I did not verify any information as I do not have any outstanding debt owed if I did, I have not been sent any letters or communication by any business that have tried to collect any debt. I told them I am not providing my SSN or address as they did not provide valid reason or what debt they were providing.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and Equifax continue to report incorrect information on my consumer report that is causing confusion with my identity and mailing address. 

To put an end to the misconception my name is XXXX XXXX XXXX there should be no other spellings or variations of my name on my consumer report. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX there should be no other addresses listed on my report because these would be considered non mailing addresses and would cause a delay in me receiving my mail which is a federal crime. 

The credit bureaus are required to report 100 % accuracy are face penalties for each inaccuracy.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, a federally protected consumer, am the author of this complaint. 

According to my rights under the Fair Credit Reporting Act ( FCRA ), as a federally protected consumer, I am now opting out of all authorization that I may have given the following companies listed below, whether it was written, unwritten, verbal or non-verbal pursuant to 15 USC 6802.

Pursuant to 15 USC 6802 I am officially exercising my right to opt out, effective immediately, and hereby instruct the companies listed below to stop reporting and to delete this account from all consumer credit reports immediately. 

1. DEPT OF ED/XXXX XXXX XXXXXXXX XXXX. XXXX Please removed these non-mailable addresses from my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute Regarding Inaccurate Information Reported by XXXX Dear Consumer Financial Protection Bureau, My name is XXXX XXXX I am formally disputing inaccurate and erroneous information that XXXX has reported about me. This information does not belong to me and is negatively affecting my consumer profile and my chances of getting approved for different credit products. Despite my attempts to resolve this matter directly with the credit bureaus and XXXX, they have failed to remove or correct the disputed information. Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ), I have the right to dispute any inaccurate information on my consumer report. Specifically : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Consumer reporting agencies must conduct a reasonable reinvestigation of any disputed information within 30 days. 15 U.S.C. 1681e ( b ) Consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information contained in consumer reports. 15 U.S.C. 1681b Limits the permissible purposes for obtaining and using consumer reports. I request the CFPBs immediate intervention to ensure XXXX : 1. Conducts a thorough investigation into the disputed information. 2. Provides a written statement of findings and evidence supporting the accuracy of the information. 3. Removes any unverifiable or incorrect data from my consumer report. 4. Provides confirmation of the correction in writing. I have attached copies of my prior dispute correspondence, XXXX response ( if applicable ), and any supporting documentation. Please advise me on the status of this complaint and the next steps. I appreciate your prompt attention to this matter and expect resolution in accordance with federal consumer protection laws.
Product: Credit reporting 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 Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as Free Annual Credit Report, XXXX  XXXX  and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian Boost. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.