23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Loan Number : XXXX Selene Finance XXXX Attn : Customer Service Research XXXX. XXXX XXXX XXXX, Texas XXXX XXXX : Notice of Error for Outstanding Mortgage Balance for Selene Finance Loan # XXXX Dear Selene Finance Customer Service Research : Selene FinanceXXXX/XXXX has made the error of NOT subtracting the tax and insurance payments made by XXXX XXXX from the outstanding mortgage balance since 2015. Since 2015, XXXX {$36000.00} or more [ i.e. {$31000.00} ( Taxes ) + {$4700.00} ( Insurance ) ] has been paid by XXXX XXXX for taxes & insurance but Selene FinanceXXXX REFUSES to subtract the ~ {$36000.00} or more from the {$91.00}, XXXX outstanding mortgage balance. Selene FinanceXXXX has ignored this Notice of Error caused by them since 2015. Because Selene FinanceXXXX refused to correct the mortgage balance - they pushed my property into FORECLOSURE & have ruined my credit score & prevented me from modifying or refinancing my loan. Selene FinanceXXXX has caused my credit score to decline from XXXX to now XXXX ( XXXX XXXX  and XXXX ( XXXX ). Selene FinanceXXXX can resolve this problem by subtracting the ~ {$36000.00} or more from the {$91.00}, XXXX outstanding mortgage balance and modifying the loan. OR sell back this loan to XXXX ( 2nd lien holder for them to modify the loan ) AFTER correcting the incorrect mortgage balance ( i.e. subtract XXXX {$36000.00} or more from the {$91.00}, XXXX outstanding mortgage balance & sell back the loan to XXXX the 2nd lien holder ). Selene FinanceXXXX has refused to correct the error with the mortgage balance after countless proof of payment for taxes and insurance were sent to their attention. Attached are evidence of tax and insurance payments made by XXXX XXXX from 2015 to present. Duplicate tax and insurance payments were made by Selene Finance/XXXX/XXXX  from 2015 to present ( for which they were refunded ). Attached are the following documents Tax payments ( school and town/county tax ) made by XXXX XXXX from 2015 to present Insurance payments made by XXXX XXXX from 2015 to present & ( for the life of the loan ). Tax payments refunded to Selene Finance/XXXX from 2015 to present by 1 ) XXXX XXXX Receiver of taxes and 2 ) XXXX XXXX As required by law, Selene Finance must correct this error or XXXX XXXX will contact New York State XXXX XXXX XXXX XXXX at XXXX and at XXXX. As required by law, Selene Finance must provide a written respond to this Notice of Error within 30 days. All taxes and insurance has been paid by XXXX XXXX since the loan inception. Selene FinanceXXXX has been refunded for all taxes that it has paid in duplicate since 2015. Selene FinanceXXXX has never made insurance payment for Loan # XXXX. Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent in letters of updated name and address with proof of both and nothing changed.
Product: Debt collection

Mitchell Bluhm and Associates at XXXX XXXX XXXX ( hereafter XXXX ) are knowingly reporting a medical collection amount ( {$920.00} ) to the three credit bureaus in error. I reached out to the creditor XXXX to resolve this matter and also provided supporting documents through XXXX of proof of payments and the medical bill total is less than {$500.00}. The Creditor continues to report to the bureaus in error as the amount owed is {$920.00}, resulting in a false derogatory mark on my credit report. The medical bill is less than {$500.00}, which means it needs to be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing the following account under FCRA : Accounts Receivable account # XXXX Experian refusing to investigate Please delete asap
Product: Debt collection

Hello, each month I send my insurance payments via my bank to USAA and coincidentally about every 3-6 months, USAA claims that they did not receive the payment and charges a {$25.00} late fee. The most recent incident took place XX/XX/2022. After learning that my payment was not received, I called my bank and conferenced a call with USAA to verifying that my XXXX payment was made. USAA claimed that they would research and get back to me regarding the payment and the waiving of the {$25.00}. Yesterday, I received an email stating that my account was behind and will be cancelled. I call on XX/XX/2022, to find out what had taken place and they said that my XXXX payment was never received. I told them that I will make the XXXX payment ; however, I refuse to pay the {$25.00} late fee. They are refusing to remove the late fee because they said that they had already removed XXXX -- which by the way was caused by the same " missing '' payments routine. 

It is my belief that USAA is purposely misplacing payments so that they can charge their clients unnecessary {$25.00} late fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The inquiry was not authorized XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Delete this account. 
2. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
3. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
5. Validate Inaccurate/Reported Late payment XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
6. Identity Theft XXXX XXXX Account Number : XXXX Delete this account. 
7. Identity Theft XXXX Account Number : XXXX Delete this account. 
8. Identity Theft XXXX XXXX Account Number : XXXX Delete this account. 
9. Identity Theft XXXX Account Number : XXXX Delete this account. 
10. Identity Theft XXXX XXXX  Account Number : XXXX Delete this account. 
11. Identity Theft XXXX XXXX Account Number : XXXX Delete this account. 
12. Identity Theft XXXX  Account Number : XXXX Delete this account. 
13. Identity Theft XXXX XXXX XXXX Account Number : XXXX Delete this account. 
14. Identity Theft XXXX Account Number : XXXX Delete this account. 
15. Validate Inaccurate/Reported Late payment XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
16. Identity Theft XXXX XXXX XXXX Account Number : XXXX Delete this account. 
17. Identity Theft XXXX XXXX Account Number : XXXX Delete this account. 
18. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, FL XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, GA XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XX/XX/XXXX 22. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
23. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX 24. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX 25. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX XXXX XXXX 26. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, FL XXXX 27. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, GA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 I've sent a dispute letter to all 3 credit bureaus on incorrect reporting collection on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXXL, # XXXX, XXXX XXXX, # XXXX. 
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.
Product: Checking or savings account

I applied to a bunch of Universities in the US for my son through the XXXX XXXX. The application amounts ranged from US {$55.00} to US {$90.00} and there were a total of 9 transactions. The payments were made to entities in US ( universities ) through a US based entity ( Citizens Bank ) using a debit card issued in US.

I have been charged a total of US {$19.00} for the XXXX payments towards " Foreign ATM or POS Fee ; Exchange Fee '' as per the following details : XX/XX/22 Foreign ATM or POS Fee - {$2.00} Exchange Fee XX/XX/22 Foreign ATM or POS Fee - {$2.00} Exchange Fee XX/XX/22 Foreign ATM or POS Fee - {$2.00} Exchange Fee XX/XX/22 Foreign ATM or POS Fee - {$2.00} Exchange Fee XX/XX/22 Foreign ATM or POS Fee - {$2.00} Exchange Fee XX/XX/22 Foreign ATM or POS Fee - {$2.00} Exchange Fee XX/XX/22 Foreign ATM or POS Fee - {$1.00} Exchange Fee XX/XX/22 Foreign ATM or POS Fee - {$1.00} Exchange Fee XX/XX/22 Foreign ATM or POS Fee - {$1.00} Exchange Fee These charges do not make any sense to me and I have requested Citizens Bank to waive them off. But they have refused to do so. This seems nothing but a clearcut case of extortion on the part of the bank. They have charged me a 3 % fee by labelling these transactions as international. This is wrong because the payments were made to entities in US ( universities ) through a US based entity ( Citizens Bank ) using a debit card issued in US. The entity that processes the payment is also a US Based entity ( XXXX ) and they have clearly stated that they do not charge any additional fee for the use of cards issued by US financial institutions. The receipts issued for each of these transactions has been attached in the form of a PDF file.
Product: Credit reporting or other personal consumer reports

I use Experian and have an account with them. I reported a dispute for a car loan I paid off and a student loan that was no longer valid that had a negative report of missed 3 payments. 

I won't the disputes and the were taken off my credit report, then I looked at my credit score and it dropped XXXX points. Nothing on my credit report changed except for those coming off. 

There is no reason for me to be dinged for paying off obligations and making my payments on time. 

This has changed the class of the standing on my credit report and has negative impacted me to be credit worthy to companies that I would like to do business with. 

This company needs to be investigated due to their unfair and misconduct crippling people with their influence to lenders and job opportunities.
Product: Debt collection

I called the collection agency and when attempting to work out a deal with them, they refused to accept an offer less than the principal balance and directed me to contact the originator of the debt to work out a settlement offer. Upon contacting the originator they said that they don't develop those sort of deals, but that I could pay the balance owed. I paid the balance owed to the originator. On XX/XX/2019 I saw the collection balance increased and called both offices to see what the issue was. For the originator, I am in good standing, and they sent the notice of payment to the collections office. Upon calling the collections office they accused me of avoiding paying the interest due to their office. I was misinformed by their office as to what my options actually are and the person I talked to on the phone was unhelpful and accusatory and threatened that the interest would not be written off despite me fulfilling my obligation to the originator, whom I believe still owned the debt.
Product: Credit reporting or other personal consumer reports

i got a copy of my credit report and discvered accounts that were not mine
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. I told XXXX, Transunion, and XXXX to reinvestigate these accounts : 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 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 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  they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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

Judgment XX/XX/2012 {$0.00} XXXX : XXXX XXXX XXXX XXXX showing up on my equifax report and has been paid off and closed
Product: Credit reporting or other personal consumer reports

The unverified ACCOUNTS indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require these ACCOUNTS to be authenticated ( A ). I will take legal action against you if you do not validate these ACCOUNTS. Please follow the law so that this situation can be settled quickly. I need the following ACCOUNTS to be deleted from my file right away XXXX FINANCIAL XXXX Balance {$8700.00} XXXX BANK XXXX Balance {$240.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX 2014, A divorce decree was signed for my ex and I on grounds of adultery by him. The settlement gave ex the home in Illinois, and he was supposed to remove my name off the home/loan. I sent a copy of this decree to the mortgage company requesting my name be removed off the VA Loan which my ex is the VA loan holder. I have not lived in the home since 2014. I 've signed a quit claim deed for the property to allow him to refinance or remove me from the financial obligation but he did NOT refinanced and the home is NOW in FORECLOSURE. I have a job where my credit must remain intact. I 've contacted XXXX XXXX AGAIN to no avail. I want to buy a home and keep my job and need help removing this blemish off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX XXXX  and Transunion several times concerning the account with XXXX XXXX. The information has always been inconsistent and each time, each bureau stated that either the information was accurate or no errors were found.
Product: Checking or savings account

In 2012 it was discovered that my identity was used to open a bank account. I knew my identity had been stolen after several charge offs I had no knowledge of showed up on my credit report. I filed a police report but nothing was done. I didn't know anything about the cfpb at the time and no one gave me any guidance as to how to handle the identity theft. I waited several years to see if the account would eventually be removed from my report after filing a police complaint. I have tried opening a new bank account and each time I am getting denied because of this bank account showing up through XXXX XXXX. I need this account removed from my record. It is making it hard for me to do normal things like open bank accounts or apply for credit. I have never done business with Wells Fargo in my entire life. I have wrote a dispute to all 3 credit bureaus and waiting for their response.
Product: Student loan

Discover Student Loans is ceasing disaster relief options for private student loans mid-pandemic with no other options available starting XX/XX/XXXX. Shame on them! Please help spread the word as they are unwilling to offer any help. I am XXXX  and now unemployed due to the pandemic. I haven't received any UI or a stimulus check or was able to qualify for a SBA but they insist on charging me interest on my loan which will be about $ XXXX per month and will decimate my credit standing and drag me into further debt. I have had this loan for 13 years and am in exceptional payment standing. They are still unwilling to offer any relief options.
Product: Credit reporting or other personal consumer reports

I contacted XXXX again over the weekend on the XXXX XXXX and spoke to XXXX and I sent a letter attach with the response again from the courts XXXX and XXXX refuse to supply me in writing the name and address of the persons reporting the public records and also stated tgat they don't have too but for states that they are suppose to so again I tried and I ask is anyone u can speak with thats higher than consumer affairs each advise me no I even ask for ceo they refused
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report from XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of XX/XX/2022, the XXXX, Experian, and XXXX Credit Bureaus have not responded nor answered to my disputes. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the following accounts as I believe these are reporting in error. 
XXXX XXXX XXXXXXXX Balance Owed : {$520.00} ; XXXX XXXX Balance Owed : {$1300.00} ; XXXX XXXX Balance Owed : {$4000.00} ; XXXX XXXX Balance Owed : {$8600.00} ; XXXX XXXX XXXX Balance Owed  : {$6400.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$450.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; and XXXX XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Yes I had and complaint in the reference of inquiries that was taken off my credit report and then add it back onI called several times and they just give me the runaround
Product: Debt collection

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent a address fraud on their platform, leaving m, account vulnerable and unprotected.Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

RMP XXXX XXXX a XXXX XXXX company tried to collect a debt of {$76.00} from a service date of XX/XX/XXXX. They have called multiple times and on XX/XX/XXXX stated that I owed this amount. I then called the location that they told me the debt had accrued and they told me that I do not have any outstanding balances. I called and confirmed multiple times. They do not even have the accurate account number that is associated with it. 
Contact addresses XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX They also stated that they have offices in XXXX, NC. I could not find an address for that. They keep calling me even though I have told them the location that the debt accrued at has no balance and that it is not in collections. They have not referred me at any time for debt collection. Here is the website that I was given https : //www.receivemorermp.com/contact/ as well as pay.rmpone.com
Product: Credit reporting or other personal consumer reports

Between XX/XX/2023 and XXXX XXXX XXXX XXXX has reported to the credit bureaus that my car loan increased by XXXX dollars by missing a payment that's clearly not the case resulting in my credit score dropping by XXXX points with XXXX and Equifax . My balance as of XX/XX/2023 should be XXXX decreased from XXXX. What caused this increase balance? Not certainly a missed payment like they're incorrectly reporting. If this issue is not resolved i will sue them in court.
Product: Debt collection

This number had been contacting me for some time now. XXXX. The first couple of calls I received the person on the other line seemed to be immediately fishing for personal information. Asking immediatetly for my date of birth to confirm my identity to discuss " personal business. '' I absent mindedly confirmed my birth date. Realizing my mistake, I asked what they were calling in reference to. The person responded by saying they would need to " confirm '' my social security number to give that information. I asked the question again. The woman on the line asked for my social security number. This went back and forth a few times with her getting more and more belligerent. I asked her to remove me from whatever list she had me on. She hung up on me. 

I have received multiple calls from this number and they always go the same way. They demand personal information, namely my social security number, then harass me when I ask why they are calling. Then they hang up on me. 

In these conversations the only information I have been able to gather is that they claim to be from a company called Senex, possibly trying to collect a debt. 

In the course of receiving these calls I 've noticed that the caller, usually a woman, is becoming more and more quick to anger. It 's almost as if she calls specifically to harass me. 

I receive these calls at all hours of the day. I even took one at work, in which she seems particularly upset that I would n't give her my social security number. 

In one call I informed the caller that unless I stopped receiving calls I would file a complaint for harassment. The line promptly went dead. Since then I have been receiving the calls more frequently. Mostly I just ignore them but the occasional one I answer lately is just dead air until the line goes dead. 

My concern is that this " company '' is fishing for peoples information for personal gain. At the very least, if they are a collection company, people should not have to deal with this sort of harassment without even being told why they are calling.