23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Since XXXX XXXX, I was working with a loan consultant XXXX XXXX with Caliber Home Loans as I was looking to purchase a new home. I 've worked with XXXX XXXX in the past, and I trusted that she would help me obtain a new home loan as she did for previously. The presenting issue is that for nine months XXXX XXXX with Caliber Home Loans used deceptive, predatory lending practices in an attempt to obtain a home loan on my behalf that she knew I would not qualify to get. To explain further I just learned from a more reputable lender that I am only qualified to purchase a home loan for {$300000.00} when for 9 months XXXX XXXX with Caliber Homes provided pre-approvals for 4 different home in the range of {$400000.00} to {$640000.00} when she knew that I was in no way capable of obtaining a loan in that range. She knowingly continued to deceive me knowing that I was selling my current home, about to rent and own a new home that she provided a preapproval to purchase knowing that my XXXX only showed that I made {$39000.00}. She just admitted to this omission after she ran my credit twice, allowed me to go forward with putting my previous home up for sale and assisted in the sale of my last house, she knew I would lose a {$2000.00} deposit on a home I can not afford to purchase and never would have been able to buy because she has had access to my XXXX since XXXX. I took a loss of {$80000.00} on the purchase of my old house, lost my {$2000.00} deposit on the new home, {$1000.00} in moving expenses and the unfortunate owner of the house I am being forced to vacate is also impacted as his house has been off the market for 3 months because of her lies, deception an omission. Additionally, she stopped corresponding with me after she finally told me the truth. This is no how you treat someone you called " like family. '' Her tactics to use me to deceptively obtain a loan she knew I would not afford has harmed me financially and emotionally.  Now, I have to find a place to live again ( I just moved in XXXX because of her lies and sold my house ) as not to disrupt my children as well as deal with a homeowner who was also financially harmed. All of the above events took place from XXXX XXXX until XXXX XXXX. Additionally, Caliber Home loans serviced my previous home loan that another lender told me I should n't have received either because I did not qualify and they did not pay my taxes on that house. I did n't realize this until XXXX XXXX when a received a notice from XXXX County that they were putting a lien on my house for a tax sale. I had to pay those taxes out of my pocket because of the error. I still have n't been reimbursed for those fees either.
Product: Credit reporting or other personal consumer reports

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. 

XXXX XXXX {$200.00} XXXX  XXXX {$23000.00} XXXX XXXX {$92.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX {$1100.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX {$780.00}
Product: Debt collection

I was notified by a relative that they were contacted by Jefferson Capital. When they answered, it was a robocall and said " This is a debt collector and looking for XXXX XXXX " Also, I have been receiving calls from them impersonating a different elderly relative. I believe they are scamming and phishing. On the callerid it shows a relative name and when you call back. It is a robocall that says, " This is a debt collector. '' They have been calling daily and repeatedly. 

I have the right to be treated by a collection agency with dignity and respect. The collection agency has engaged in the following practices, which violate the federal Fair Debt Collection Practices Act : Repeat calls as harassment Illegally Inform a Third Party About Your Alleged Debts repeatedly calling relatives, family and friends Collectors are not allowed to inform anyone about your debts Within five days of the collector 's initial communication, it must send you a notice include the amount of the debt, name of the creditor, and notice of your right to dispute the debts within 30 days. 

I am willing to forgo the legal remedies I may have, including a lawsuit in small claims court seeking punitive damages against you and the agency, in exchange for your written promise to permanently cease all efforts to collect this debt and remove all negative entries regarding this debt from my credit file. I expect to hear from you immediately. 

Pursuant to my rights under federal debt collection laws, please cease all collection activities you have taken or are considering taking. Also, had multiple hospitalizations in the past year, so must avoid stress. I am retired and on low income. This includes high-pressure collection activity and lawsuits. I am requesting that you cease and desist communication with me, as well as my family and friends, concerning this and all other alleged debts you claim I owe.
Product: Credit card

I used my XXXX XXXX credit card ( Concora Credit ) back in XX/XX/2023 to get a watch. I got a letter in the mail a month later asking to verify my identity which I did. I sent them, in certified mail, my Colorado state drivers license. They got my ID but still shut down my account without second notice, I guess saying that my legal ID was not sufficient. There was no fraud, I provided exactly what they asked for, yet they still closed my account.
Product: Debt collection

Ive repeatedly asked XXXX to not contact me because I have nothing to do with the loan hes going after. My name is not anywhere on the emails and text messages that he continues to send to me. It is for a business that doesnt exist and a loan that was never taken. He shared personal information about a person that is not me. He is breaking the law by sharing some ones elses personal information.
Product: Credit card or prepaid card

On XX/XX/XXXX I called the company, made a full payment of my remaining balance ( {$110.00} ) and told the representative that I wanted to close the account. I was told the account was now closed. 

In XXXX I received a text message from the company stating I had a remaining balance of {$2.00}. I called the company and explained I had paid out the remaining balance and had closed out the account the month before. I was told the representative had made a mistake and left the account open, that the {$2.00} ( in interest charge of XXXX purchases and {$0.00} balance ) would be voided and the account would be closed. 

On XX/XX/XXXX I received once again another text message stating I now have a balance of {$66.00} ( continued interest charges on XXXX purchases and {$0.00} balance, plus late fees ). I called once again, asked to speak to a supervisor since this was the second time the account had not been closed. I spoke with supervisor XXXX # XXXX ( XX/XX/XXXX at XXXX XXXX  ) and tried to explain the situation, and my multiple attempts to close out the account. The supervisor was extremely rude and disrespectful. He stated they wouldn't close out the account until I paid the {$66.00} in fees, and that I had no choice but to pay the fees because that is what the computer shows I owe. 

I have now received multiple calls from different individuals stating they are from collections attempting to collect the {$66.00} debt. I do not understand how the account has been sent to collections if the account remains open with the company still acquiring fees. 

It is unethical and against the law for the account to have remained open after I requested to close it, twice, and for the company to continue to charge me for an account I no longer agreed to keep open. 

My daughter attempted to call for me on XX/XX/XXXX to see if she could resolve the issue before putting this complaint in, and was told there were no supervisors available for her to speak with and that the only think they could do is transfer her to a XXXX speaking representative ( since I only speak XXXX ). 

Ive exhausted my ability to resolve directly with the company as their proposed solution has been for me to pay and still nothing guarantees they will actually close the account. 
I would like the help of CFPB in resolving this matter before having to search for an attorney. I would also like for other people to be aware of the companies ethics and lack of respectful customer service.
Product: Money transfer, virtual currency, or money service

I was trying to buy {XXXX} worth of Bitcoin from Coinbase. I was charged three times for the Bitcoin so roughly around XXXX {XXXX}. I have not received any of the cryptocurrency but have been charged. The part that is odd to me, is that my three transactions do not show up on my recent history when on the Coinbase application. I have read online there are others with a similar story. I have contacted Coinbase but havent heard back from them since I filed a complaint with them on Thursday. I want the cryptocurrency or my money back ASAP. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in XXXX XXXX XXXX the other day buying some shoes and one of the representatives persuaded me to sign up for a store card. For some odd reason I didn't get approved. I went home to check my credit report and found items that are not mine. I have contacted the FTC and my local police. Im doing this on my own and These items need to be deleted from my credit report XXXX XXXX and inquiries that are not mine XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I discovered that someone had opened a XXXX account with my information. This happened in XXXX. The total was {$600.00} and it went to collections. When I found out ( in XXXX XXXX ), I filed a police report, contacted all three credit bureaus to dispute the claim, and I filed a report with XXXX. 

I have not heard back from XXXX and all three XXXX dismissed my disputes. 

This has had a negative effect on my credit rating.
Product: Credit reporting or other personal consumer reports

IVE NEVER DONE BUSINESS WITH XXXX
Product: Debt collection

I called " Portfolio Recovery Associates, LLC '' on XX/XX/2020 and spoke to XXXX XXXX in regards to a debt they have under my name and in collections in the amount of {$3200.00}. After attempting to negotiate and work out a deal, he transferred me to his manager named XXXX and she spoke to me on available options. I listened, but explicitly mentioned several times that I could not accept their offer. Again, I said that to them multiple times given that I could not commit. Well, they went ahead and WITHOUT my permission entered me into an agreement to pay {$2400.00}. It states ( I have their documentation of this payment plan ... they sent to my home ). They basically put that I accepted her offer and placed me in a payment plan that I never accepted. This is a deceptive practice that preys on the vulnerable and without my permission puts me in a terrible predicament to defend myself. According to XXXX XXXX, I am ALLEGEDLY being sued and this debt is in civil court ( they didn't want to provide me with any proof ). Stating that I agreed to this payment plan sets me up to lose that case because if I didn't notice, they could have claimed that I failed to uphold my payment plan ... thereby I lose my case. I only found out about this payment plan because I called a few days later and their new agent informed me about it. This is lying and an ignoble practice.After calling them and telling them I did not consent to this payment plan and it is falsified, they still continue with it and just sent me a letter asking for payment. They aren't listening. 

My biggest concern is that if I did not call again I wouldn't have known about this plan they entered me without my consent. And if this matter is truly in court, this shows that I am in violation when in truth I never agreed to this deal. They have a recording of our call and I demand they be held accountable. 

They violated Sections 805, 807, and 808 of the Fair Debt Collection Practices Act. 

" Portfolio Recovery Associates, LLC should be held responsible for falsifying my consent into a payment plan. This is a deceptive practice, against the law, and intended to further implicate me in the debt. I look forward to pursuing this matter because the potential damage that could have been done shouldn't be taken lightly. I wonder who else have they done this to.
Product: Credit reporting or other personal consumer reports

Ive never entered in any agreement with Spring Oaks Capital. Ive requested them to validate this information thats listed inaccurately on my credit report both they havent yet to respond. Ive asked them to send me a copy or any original documents that states I have a contract with them but they have failed to do so.
Product: Credit card or prepaid card

Contacted American Express at XXXX. 

Reprenestive stated that the card was no longer valid and the funds have been turned over to the state and were told to check there was nothing they can do. 

Here 's the deal, it is a gift card where did they send the funds since there is no information given as to the address when purchased? 

I checked my state, nothing, and no way to check a gift card for unclaimed funds if there is no name or address. 

There is nothing on the card itself that explains that you have to use the card right away or that they will discharge the funds even though the card has an expiration date of XX/XX/24. 

THIS IS A SCAM.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I am submitting this complaint about the consumer reporting agency EQUIFAX. On XX/XX/2022, I sent a letter certified mail ( third attempt ) to EQUIFAX to validate or delete inaccurate accounts being reported on my consumer report. EQUIFAX responded with a false claim the accounts have been validated. EQUIFAX has yet to show proof or any contractual agreement to support the claim of the account being validated.
Product: Checking or savings account

There were multiple ghosts Wells Fargo bank accounts opened in my name without my authorization back in XXXX of XXXX it was a total of 4. Each of these accounts were open for months and I don't know who or how they were opened. When I called and asked about these accounts all they did was close the accounts without providing me any info on how they were opened, were they were opened, and who opened them. I have no comfort that my person information is safe with this banking institution.
Product: Credit reporting, credit repair services, or other personal consumer reports

many fraudulent accounts are reporting under my equifax credit reporting agency, these are accounts that i did not open and were opened with out my knowledge, these are accounts that i never inquired it was opened with out my bearing signature and XXXX knows who has opened. please i have been disputing these few accounts ( XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX AND TWO XXXX XXXX XXXX XXXX i have been disputing these irrelevancies for four months now, i call creditors they do not have anything under my name and address, the social was fraudulently used and misused, please have these inaccuracies removed from XXXX and equifax credit reporting agencies thank you for your cooperation
Product: Credit reporting or other personal consumer reports

Ive been trying to reach out to the proper channels regarding the inaccuracies off my credit report, but to no avail and Ive had enough. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX tomorrow just because of my credit score being unfairly affected due to these errors on my credit report hindering me from getting my credit applications approved.
Product: Debt collection

This company has called a friend of mine asking for my number to reach me when they already have my information. Why are they going to a friend of mine about my debt? How is that legal, and professional? They should be a shame of themselves. Call me or email me. That is all.
Product: Debt collection

Roughly 7 years ago I changed my cable service from XXXX XXXX to another providor, We returned the equipment and had no charges against us. XXXX XXXX  reported us on our credit report and I contacted them with proof that we sent their equipment back. XXXX XXXX removed the delinquint account from our report, Now, EOS CCA Has reported the debt to my credit report and the discription says the original creaditor is XXXX XXXX. I disputed this entry and it was not removed from my credit report, The ammount they are trying to collect is {$350.00}. I have no idea how to get this off of my credit report.
Product: Credit card

On XX/XX/2024, I used my Synchrony Bank/Verizon Visa credit card to make a payment of {$4400.00} dollars. It was denied. Then, I got a message text from Synchrony Fraud Solutions/Verizon Visa asking me to answer Y if I was making that charge. I replied Y and got an answer to try again, which I did. It was declined once again. For this reason, I called Synchrony customer service at XXXX. After XXXX minutes on the call, the agent told me that the problem was at the merchant end and advised me to contact the merchant. I did and they advised me that Synchrony Bank was denying approval. So, I tried making the payment using a different credit card from a different bank. The payment was approved right away. This is indicative that Synchrony/Verizon Visa unfairly denied approving the payment/charge of {$4400.00} dollars. I feel I was discriminated against because I'm a responsible card holder that pays off my card 's balance in full every month to prevent paying interest charges. Synchrony/Verizon Visa would give me 3 % in rewards for this charge. This appears to be the reason they denied approving the charge.
Product: Credit reporting or other personal consumer reports

It came to my attention through a XXXX memo that Child Support is not a credit transaction and is Excluded and illegal on Consumer Files.. Therefore any unauthorized fraudulent identity theft furnishing of this Private Non Public Personal Information is in violation for which I will seek remedy for Willful Non Compliance and Identity Theft
Product: Mortgage

My mortgage has gone into foreclosure due to a separation/divorce. At the time my husband left I was only working part time and could not afford the payments. I have since obtained full time employment. He has walked away from the loan. He has no contact with the bank and does n't care if the house forecloses. I have tried everything I can to work something out with Bank of America. I call them weekly, applied for a modification, and even saved the past due amount to reinstate the loan. To my dismay, they pushed forward with a foreclosure and filed judgement against me in local court. The are requesting additional information from my husband, which he would not provide because he does not want the loan anymore. I offered to pay the bank to reinstate the loan. They sent me reinstatement figures. There were XXXX of dollars in fees attached in addition to the past due amount of the loan. I asked for a detailed listing of the fees. They would not provide them to me. I was told by my Bank of America Customer Relations Manager to contact the attorney handling the foreclosure to obtain a breakdown of their fees. When I contacted the attorney, XXXX XXXX XXXX of XXXX of XXXX, PA, The amount to reinstate was completely different and a lot less than the bank was telling me. The woman at the attorney office told me I could send payment to them directly and the loan would be reinstated. I contacted the bank again, they denied this was an option. The told me to forward payment to them. I asked the amount needed to reinstate. I was given another estimate. Completely different again. It had gone down from the first quote, but was still higher than the attorney. They told me this was due to " estimated '' charges. I asked for a breakdown of these charges. They can not provide that to me. They told me to pay the amount by XXXX XXXX or they are filing for a Sheriff Sale date in my county. I have told them again and again I do not have the {$13000.00} or the {$11000.00} needed to reinstate that they want. I can pay the past due amount, the {$9700.00} for my back payments and have asked to make other arrangements to pay back the " fees ''. They refuse to accept the payment. They want the full amount they keep telling me. I asked why foreclosure went through when I was trying to get a modification. They could not answer me. Bank of America was requesting additional documents they told me. Every time I call I get a different person with a different answer. Bank of America is telling me it 's the lender, FHA, that 's requiring the full amount to reinstate, yet the amount changes every time I call. It 's like they want to foreclose on the loan and are not willing to help me save it.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX To who it may concern : Experian XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX This letter is a formal complaint that you have ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish.

Under federal law ( 15 U.S. Code 1681i ), you had thirty ( 30 ) days to complete your investigation from the date you received my dispute.

Credit reporting laws ensure that bureaus report only 100 % accurate credit information an every step must be taken to assure the information reported is completely accurate and correct. 
Here is a list of items tha were sent in my initial dispute letter that now must be deleted from you database. 
XXXX XXXX XXXX 
Account # : XXXX Account Rating : collectionorchargeoff Account Type : Installment Closed Date : Creditor Remarks : Date Opened : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX High Balance : {$500.00} Last Verified : XX/XX/XXXX Payment Amount : Payment Status : Collection/chargeoff Loan Type : Secured I will also be attaching a letter from the company saying that everything on my credit report is reporting accurate however from there letter they stated that the account was settled on XXXX of XXXX however you guys have this information reporting all the way up to XX/XX/XXXX. There is definitely inconsistencies with communication between XXXX  and Experian and it shouldn't be if a proper investigation was done. I gave XXXX and Experian more than enough time to fix there mistakes and make sure every thing on my credit report is reporting accurate according to the fair credit reporting act but they have both failed. This is not a surprise though seeing that I read how a few days ago the CFPB has filed a lawsuit against Experian for not doing there jobs correctly.