23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I fell behind on payments due to severe XXXX. Caliber Home Loans ( XXXX ) would call during my work hours despite my requests to call outside of my work hours since I could not take any calls during my work hours. 6 months later I lost my job without cause but is believed to be due to an injury. CHL and I got in contact and I submitted a Mortgage Assistance Application as instructed. XX/XX/XXXX CHL offered a 2 month forbearance plan of reduced payments to be accepted in writing or by submitting 1st payment by XX/XX/XXXX. At this time I did not qualify for a loan modification. XX/XX/XXXX I emailed the department who was overseeing my case with CHL to inform of my acceptance of the forbearance plan. 1st payment not due until XX/XX/XXXX however I sent on XX/XX/XXXX, and received XX/XX/XXXX. 1st check was not deposited until XX/XX/XXXX. Per the forbearance agreement written by CHL, acceptance of the agreement would cease forward movement of the foreclosure. XX/XX/XXXX CHL went ahead and moved forward with the foreclosure and filed on public record with my county, despite receiving notification twice of acceptance, before the deadline, and they had also cashed my check but applied it to the normal payments rather than the forbearance plan. I was not informed of this by CHL but rather getting bombarded with phone calls, texts, and emails from investors and real estate agents. Notification was not sent to me until weeks later. Postmarked for XX/XX/XXXX, but not received until the first week of XXXX. Additionally, my XXXX case was reassigned as a XXXX claim on XX/XX/XXXX. As a result my income dramatically increased. My email to CHL on XX/XX/XXXX included notification of the increase. Phone call to CHL rep on XX/XX/XXXX states that they never received my email. CHL stated that I did not qualify for a loan modification due to not enough income at that time. In my email I requested to revise the loss mitigation from forbearance to loan modification since my income had increased. I have reapplied for a loan modification and have yet to hear back from CHL. Along with a new application I also requested an explanation as to why CHL proceeded with the foreclosure violating the contract that they created, ahead of the deadline, and cashed my check for the first payment of the forbearance plan. By filing with my county, CHL has dramatically reduced my options to stay in my home.
Product: Credit reporting or other personal consumer reports

My original loans dates were back in XXXX  XXXX. The loan originated with XXXX XXXX XXXX. They have sold this loan multiple times and keep changing the dates everytime they sell it to avoid removing it from my consumer report. This debt is now more then XXXX XXXX XXXX more thatn the XXXX  years by law that it can be reported on my consumer report and sbould have been removed. XX/XX/XXXX this debt has been sold again to another debtor in order to keep it on my consumer report. This is againest XXXX XXXX reporting standards and I am requesting this debt be removed from all my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I monitor my credit on a weekly basis to weed out fraud or anything unusual happening to my account. Back in XXXX I got a ding on my account saying that a merchent pulled my credit report. I then got in contact with XXXX. I spoke with a representative from XXXX and then I let them know that I wasn't aware of the merchant who pulled my credit. They then told me to file a complaint with the FTC. I did so along submitting the FTC documents and writing a letter to XXXX. Maybe 30 days later I had still seen that the merchants information was on my credit report. Then I also go another ding on my account about another account that was in XXXX. I called XXXX again and I explained to them that this account had been closed since XXXX. They then told me that I had to contact the company which I did and I spoke with a representative at the company. They then told me they had spoken with XXXX to have this account reflect as being paid off. However, nothing has changed on the credit report. I called XXXX again and I sent a written document along with a copy of the actual report. And again it's still on my credit report - nothing has changed. 3 weeks ago I did a dispute of 3 items on my credit report and I noticed a change on my credit score. I had called yesterday and last week requesting that these items be removed. It shows " Closed '' but not removed from my credit report. I've seen a lot of derogitory accounts on my credit report that I would like to have removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was compromised as a result of identity theft. The following account was open. 

XXXX XXXX XX/XX/2016 XXXX.
Product: Credit card or prepaid card

In XXXX I contacted Barclays to defer payments on my account due to the COVID 19 pandemic. After they gave me the run around, I was finally able to speak with some to waive my payments. I was advised I would not have to make a payment for 2 months. Well, they lied! I had to file a complaint with you guys last month because not only did they not waive the payments like the promised, I was charged a late fee. Not wanting to compromise my credit, I used my stimulus check and paid the XXXX and XXXX 's payment totaling {$430.00}. I received a letter from Barclays ( which they also sent you all a copy of ) stating my payments will be deferred for 2 months. Well, I just received an email notification advising I have a payment due on XX/XX/XXXX. HOW????!!!! They are LIARS! I'm still out of work until mid XXXX. I can not make the payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received letters in the mail indicating that a bankruptcy on my credit report was validated. The credit bureaus ( Experian, XXXX and XXXX ) and XXXX XXXX failed to provide documentation stating where they are validating their information. The USBK Court Northern Georgia verified that they did not provide any information to third parties regarding any bankruptcy in my name. In addition, they validated that placing public records from PACER onto an individuals credit profile is illegal and UNJUST. According to the Fair Credit Reporting Act 15 U.S.C. 1681-1681x, Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. Investigation must include providing documentation and/or proof of the process in which information is validated. My rights are currently being dismissed.
Product: Prepaid card

On XX/XX/2023 I called XXXX XXXX at the following number : XXXX. It was not XXXX XXXX but a scammer. The person told me I have fraud on my account in the form of XXXX gift cards and a XXXX XXXX. They told me to go on my bank at Chase and place a gift card in the amount of {$400.00}. They said to go on XXXX and do the same. I downloaded a XXXX XXXX XXXX too. Chase called me about XXXX hours later on the {$400.00} scam. They blocked the transaction. Once I got home from work Chase bank shut me down from having access to my accounts. I called and they added an extra layer of protection on the bank accounts. They told me to change the password on my XXXX and to read the identity theft information they provided. I began to work on freezing on the XXXX credit bureaus and reporting fraud to the government. I shut down XXXX XXXX, XXXX and XXXX. I changed passwords on bank accounts and added XXXX protection.
Product: Debt collection

It has come to my attention that I have a bill with bon secours in the amount of {$240.00}. I have not received one bill from bon secours providing detailed information regarding this particular bill balance. This particular bill was bought to my attention by amcall systems which is a collection agency used by bon secours. I advised and call that I was not aware of this particular XXXX 's details and that I need it and itemized statement if I recall correctly they were going to send this particular XXXX back to XXXX XXXX. I am not sure if they did that or not but it doesn't seem they did because today I received a call from the CBE Group which is a different collection agency that apparently will sue those who have a debt. I advise the CBE group that I wasn't sure about this bill and I wanted an itemized statement, the representative advised she would put in a request for it but I also contacted XXXX XXXX directly to consult with them about this particular bill. According to the XXXX Representatives I spoke with they claim that statements were sent to me via mail from XXXX XXXX. I have received other bills from XXXX XXXX just fine but I have not received this bill and they are not willing to bring the bill out of collections to give me an opportunity to review the bill. As of moments ago they sent me a digital itemized statement of charges via mychart.mybox.com/mychart/billing/details. I have logged in to view both of those statements which are duplicates actually and they are not itemized the only thing on these XXXX statements is information regarding my patient details which are my name account number balance service date facility and Department along with my address. On the portion of the statement that shows charges the only thing it shows is the service date the REV.code, THE PROCEDURE CODE, THE DESCRIPTION, A QUANTITY, AND AMOUNT OF {$1000.00} AND THEN IT SHOWS PAYMENTS AND ADJUSTMENTS OF A PAYMENT DATE OF XX/XX/2022 WITH A DESCRIPTION NEXT TO THAT SAYING XXXX XXXX PAYMENTS IN THE AMOUNT OF {$260.00} AND UNDER THAT IT SHOWS INSURANCE ADJUSTMENTS MINUS {$510.00} PATIENT PAYMENT {$42.00} WITH A TOTAL PAYMENT AND ADJUSTMENT BALANCE OF {$820.00} IN ADJUSTMENTS LEAVING A OUTSTANDING INSURANCE BALANCE OF XXXX AND A CURRENT PATIENT BALANCE OF {$200.00}. THIS IS NOT AN ITEMIZED STATEMENT AND ITEMIZED STATEMENT SHOULD TELL ME EXACTLY WHAT THAT XXXX IS COMPRISED OF. I WANT TO KNOW EXACTLY WHAT I WAS CHARGED FOR IN THE EMERGENCY ROOM SO THAT I CAN CONFIRM THAT EVERYTHING IS ACCURATE AND XXXX XXXX IS NOT PROVIDING THAT. PLEASE EXCUSE THE CAPITAL LETTERS I DON'T KNOW WHY IT HAS DEFAULTED TO CAPS.
Product: Debt collection

Representatives OF XXXX XXXX of XXXX XXXX are calling me repeatedly asking me of a person that owes them a loan. That the person put my name as reference. Told them that I did not authorize this person to put me as reference. Told them not to call but they keep calling me and harrassimg me.
Product: Mortgage

I was never given a trial to discuss my situation. The mortgage company never gave me a fair loan modification base on my type of loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX I am writing on my own behalf about concerns on my credit report. I got my credit report to check my credit and found some inconsistencies on my report in XX/XX/2020. I followed the guidelines giving each credit bureau many opportunities to correct these error and only received 1 notification back after that no other response was made to me.
Product: Credit reporting or other personal consumer reports

For months I have submitted requests to investigate who these companies are that are submitting my information in the form of a collection, to XXXX and XXXX. Each time they so called investigate, I receive an update that the debt is valid. But per my knowledge I have not even communicated with them companies at all, nor done a contract with them. I dont think I have been given a fair chance. Also per 15 U.S. code ( a ) 4, my personal information has been exchanged without my consent to these companies. And I have not been able to get housing for my family because of those accounts placed on my report be, theyre fraudulent if you ask me. I dont understand the process of investigation by XXXX but I dont think they have done any investigating. Please help me with this
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and discovered an inquiry that I do not recognize and never authorized. I have not applied for credit with this company, nor did I give consent for them to access my report. This unauthorized inquiry is causing me significant stress and anxiety.
Product: Credit reporting or other personal consumer reports

This is a formal complaint for a reinvestigation of the following late payment on the Account ( -XXXX XXXX  is reporting inaccurate information.On XX/XX/2022 a payment was made and you have it marked as late / No payment.On XX/XX/2022 and XX/XX/2022 the final additional payment was made before closing that was also not reported.please reinvestigate and verify all data.I also request for proof to be provided. Because im trying to purchase a home and the late inaccurate delinquency is Only being displayed on my experian when cross checked on three bureas ..I determine that if unable to do so or lacking proof being late please update my payment history to PAANL Status ( paid as agreed never late ) and supply a corrected credit file to any creditors that obtained my file in the last 6 months. I've been a loyal customer and your inaccuracy is hurting my credit
Product: Checking or savings account

I DID NOT MAKE THE ATM TRANSACTIONS AND I AM A SINGLE FATHER I NEED THE MONEY FOR MY DAUGHTERS NEEDS. WELLS FARGO IS SCAMMING ME BY NOT RETURNING MY MONEY AND JUST DENYING MY CLAIM.
Product: Student loan

During a span of 6 year span. I have had difficulty with my private students loans. Having not worked from XXXX i informed Navient/XXXX XXXX of my issue only to get the response to say it wasnt their problem. Along with the fact I was threatened wit phone calls day and night to my home and my sick grandmother who was my co-signer. About taking her house and taking any wages I wasnt able to find a job a year after graduating from college and Navient harassed me throughout out that time period. Once I was able to land a job I was hit with high monthly payments of 700 hundred plus and that I couldnt qualify but for interest rates payments I wasnt allowed to get my sick grandmother off as the co-signer after I had established my credit and set up payments so they wouldnt threaten her anymore. Past two years only been forced to do interest based repayments only to never qualify or be offered lower payments because I wasnt making enough money in my current job to give Navient basically half of my check every month. I have been forced to go into deferment and go back to school in order to find a higher paying job to Navient and them not constantly ruin my credit. I know I am responsible for my loans but I was never more humiliated or threatened by people from Navient and XXXX XXXX before in my life over the past 5 years I have dug my self out of a hole after being unemployed for 3 years prior only to be manipulated and scammed by Navient they even tricked me into sending my loans to XXXX only to have them mess up my credit and deny me every program for my federal loans. Thanks for your time I hope this helps someone not to go through this.
Product: Debt collection

When I initially attempted to dispute the debt I didn't get any evidence that the debt was mine. Since I have been attempting to clean up my debt, I reached out to Midland Credit to start negotiations and found out the account was transferred to an attorney for servicing. I then brought in an attorney to advise me on negotiations, without retaining her for representation to the debt collector. She was only authorized to submit the offer on my behalf, not represent me through the entire process. Due to no communications from the original collection agency nor the attorney, I decided to pay the debts off just to clear these accounts. Every time I have tried to confirm if payment was received or to find out why my credit report hadn't been updated, they refuse to speak with me because it was flagged as me having an attorney. The attorney submitted a letter stating non representation to their attorney, but they still state I have an attorney they need to talk through. These accounts have been paid off for over a month and are still reporting as open and having a full balance on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX, XXXX have not removed this fraudulent account from my credit report. " XXXXXXXX XXXX XXXXXXXX XXXX '' does not belong to me. 

I first reported this account in XXXX of 2022. I have submitted FTC Identity theft report 's on both XXXX XXXX XXXX XXXX  who owns them. 

XXXX is in direct violation of Federal Law 15 U.S Code 1692 ( g ) Fair Debt Collection Practices Act ( FDCPA ) which requires them to validate such debt by providing All of the following : 1. The identity of the original creditor.

2. The amount of the alleged debt.

3. The name and address of the original creditor, if different from the current creditor.

4. The original lawful contract signed by both parties in wet ink, therefore binding both parties, XXXX XXXX ( the natural man ), and XXXX, that proves I agreed to pay the alleged amount. 
5. A GAAP accounting documentation ( both on and off ledger ) showing the exact asset ( s ) used to collateralize the debt. 

It is my right to request validation of any purported debt under the Fair Debt Collection Practices Act & It is XXXX XXXX obligation to supply the aforementioned materials as requested which they have failed to do time and time again. 

Not only has XXXX not lawfully validated the debt but they have continued to fraudulently collect & report the fraud.

I am now demanding Experian to remove this fraudulent account from my report because it is identity theft & does not belong to me, was never lawfully validated, and furnishing this information is now another violation that experian, XXXX, and XXXX are committing onto me which is continuing to cause me harm.
Product: Credit reporting or other personal consumer reports

My personal and financial information was compromised without my authorization. XXXX XXXX was given access to my personal and financial information without my consent or authorization. 
The Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information.

Given the severity of this breach and the resulting compromise of my personal and financial information, I request that you immediately cancel and discharge my student loan debt in full.
Product: Debt collection

I sent in imformation showing this account was fraudulently opened and they deleted it off my credit report then they came back with this debt collection company and put it back on my report under collection from this agency.
Product: Debt collection

I received a summons in my ex husband name who does not reside with me I told the server he didnt reside here and the man just dropped the summons I had to reach out to my mother n law who notified my ex I showed up to court since az is a community property state I have since sent a motion to compel arbitration to the courts as well as lvnv funding and their attorneys the attorney showed up to court and lied and said I didnt send them a motion to compel arbitration I even tried to settle the XXXXXXXX XXXX debt by offering XXXX XXXX and they refuse to work with me Ive asked for the original contract that bares my ex signature all they continue to send is bills which doesnt add up cause the address on the bills is mine and are dated prior to be even leasing my townhome. After much research about this company they are know for deceptive and abuse practices
Product: Credit reporting, credit repair services, or other personal consumer reports

My bankruptcy has been XXXX  more than eight years ago more than eight years ago and is still reflected on all credit reports and is public record. It should not be public record without my written consent. This record has been hindering any forward progress Im as Im attempting to correct my credit profile.
Product: Payday loan

I had a XXXX and all of sudden I notice my bank account was being credited {$350.00} a mth. and I did n't what for. Did even realize this unitl this month they had been taking out this money since XXXX which I had the XXXX before XXXX and could n't even use a computer. I call my bank this morning and they give a telephone no. that is n't that companies no. I do go and line and try to call Castle Payday loans ca n't talk to anyone. They have taken out {$1700.00} out of my account. I 'm elder and do n't deserve this. I need help.
Product: Money transfer, virtual currency, or money service

I opened up a Gemini account on XX/XX/XXXX providing the required documentation such as the Drivers License and verifying my bank account. I was subsequently able to transfer {$1000.00} from my bank account into the Gemini account, which then was traded for XXXX. XXXX was sold subsequently at a loss for {$930.00}. Since then I have tried to withdraw my money from the Gemini account and have been unsuccessful. I was able to transfer money but now they will not let me with withdraw to the same bank account. 

This has now been un-going for one month - Gemini support will not respond to me, and my account continues to be in the " getting verified stage ''. I want access to my money and for it to be returned to my bank account. 

Gemini - Opening date XX/XX/XXXX XX/XX/XXXX - E-mail confirmed, Bank account verified stating funds can be transferred into the Gemini account. 

XX/XX/XXXX - {$500.00} transferred from Checking to Gemini XX/XX/XXXX - XXXX  purchase for {$500.00} XX/XX/XXXX - {$500.00} transferred from Checking to XXXX XXXX Second XXXX purchase for {$500.00} Message stating bank transfer limit has been reset to be able to deposit up {$5000.00} XXXX - XXXX sold for {$930.00} - deposited into Gemini account XXXX to XX/XX/XXXX Attempt to withdrawl {$930.00} to bank account unsuccessful - states " verifying account '' XX/XX/XXXX : E-mail message sent to Gemini support to request assistance with withdrawal and verifying account - NO RESPONSE XX/XX/XXXX : E-mail message sent to Gemini support to request assistance with withdrawal and verifying account - NO RESPONSE XX/XX/XXXX : E-mail message sent to Gemini support to request assistance with withdrawal and verifying account - NO RESPONSE They did respond to a XXXX message, but the XXXX account is not associated to my account and the e-mail address used. In this response they only stated that I should send a message from the e-mail associated with the account - which I did and they did NOT respond. 

I want access to my funds, for them to be returned to my bank account, and the Gemini account closed from there
Product: Checking or savings account

The reason that Im placing this complaint is due to cash apps, appeals, and nonfunctional refunds with no security processes. I have contacted Cash App and ask them to look into a scam. 
I XXXX XXXX had a sale for an item XXXXXXXX XXXX XXXX for {$100.00} On XX/XX/XXXX, I sent {$40.00} and it was received On XX/XX/XXXX and additional {$60.00} was sent for the total price of {$100.00} moving forward. I never received the item. It was a complete scam. 
I contacted XXXX to receive a solution and they had advised that they had made a case following through with cash app for a full refund. I have processed my complaint two times and have not received my refund from Cash App now for nearly 2 months plus. 
Scams are hard, especially if you are XXXX. I hope someone can find some peace and solace and truth and infidelity.