23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

( XXXX ) I closed on my house on XX/XX/year>. 
( XXXX ) Selene Finance is the Mortgage Company. They owe me in excess of $ XXXX in escrow. 
( XXXX ) After I emailed them asking about the whereabouts of the money, they told me that they mailed it XX/XX/year>. They mailed it to the wrong address : XXXX XXXX XXXX, XXXX XXXX, PA XXXX ( there is no such address ). They told me to contact them so that they could void the check and reissue it if I had not received it. 
( XXXX ) I called them multiple times in early XXXX. There is nothing but a XXXX number and because I no longer have an active account with them, I can not enter the old account and I get sent nowhere ( essentially, I spin and spin ). I responded to the email, have also faxed a complaint across early XXXX XXXX ; and most recently, a week ago ( XX/XX/year> ), I sent an overnight mail letter to their headquarters in XXXX, TX. No one has responded to me by email, fax, or phone. 
( XXXX ) I have also filed a complaint with the Attorney General XXXX XXXX 
( XXXX ) I have publicly posted a complaint on XXXX against Selene Finance.
Product: Student loan

I withdrew a total of 3 private student loans with XXXX XXXX to pay for remainders of semesters for my XXXX program  between XXXX. The total cost of the XXXX loans were {$13000.00}. Navient took over my loans in XXXX and I have since paid over {$19000.00} as of XXXX and yet my balance is still over {$22000.00}. Not only has my monthly payment tripled, there is no end in site to paying these loans off. From XXXX to XXXX, I had difficulty paying this loan consistently which affected my credit severely. I additionally underwent bankruptcy in XXXX where private student loans were reportedly not able to be included. During this time, and multiple times throughout the years, my private student loans were recommended to be placed into forbearance. 

Since I have graduated with a XXXX 's and am currently obtaining my XXXX degree, I have not used any more private student loans and have been able to make scheduled payments. But it does not affect the principle due to the high interest rates. I reached out to Navient in XXXX, XXXX to determine if I was included in the debt settlement publicized in XXXX in which I received a letter saying I was not included in the debt settlement as I was " appropriately '' placed into forbearance and did not have financial hardship. This is simply not true ( my lowest credit score was XXXX throughout this time and previously mentioned bankruptcy in XXXX ( chapter XXXX ). I also requested my loans to be either consolidated or settled with a fixed interest rate as my interest rates are now between XXXX and 15 % depending on the loan. I was told this was not offered and they directed me to a third party ( XXXX ) for private loan debt consolidation. 

These private student loans are simply payday loans that young adults ( such as myself at XXXX years old ) do not understand and are unable to comprehend the potential repercussions of and how they will affect you long term. Sallie Mae/Navient has been a company that feeds off those who don't have other avenues to pay for education and trap them into lifelong payments. I feel I was overlooked for potential settlement and am not being given a clear reason as to why I was not included. I also feel that this company is NOT protecting consumer rights as deferment options were pushed multiple times throughout the process following obtaining these loans versus repayment options that are feasible.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
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. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter about some accounts that they were reporting that was not mine. They did delete some of the accounts and had an results on the other ones with " Verified as accurate and updated '', but the accounts are not mine. I will like for someone to review the a ttachment for one o f The creditor sent me for the account " verification ''. The account is for someone else. The address and the name on the attached bill is not mine. I have file a identify theft for the accounts that are in error on my credit report. Attached and has filed a police report with  XXXX  county to get these errors resolve in a timing matter. They are hindering me.
Product: Vehicle loan or lease

on  XXXX   XXXX ,    2017  i was i n a one car ac cident that resulted in my car being totaled. i had both full coverage through  XXXX  insurance and gap through  XXXX   XXXX ,  XXXX  has sent in  XXXX  checks on my behalf.  XXXX  was for {$3800.00} and the other for {$770.00}, which left a balance of {$5200.00}. My gap however is taking a little longer than expected and now after a year and a half of no late or missed payments,  JD Byeryder  is threatening me with a reprosession of a car i haven '' t had since  XXXX  if i do n't give them another payment today in which i 've already paid  XXXX  and  XXXX  for fear of this happening. I already have another car and that payment is {$320.00} and i do n't have enough to pay for both. Also, I spoke with someone from the dealership and she told me that she spoke with my gap insurance and said the {$770.00} check was from them and they said they were n't paying anymore. I told her that was n't true and that she was wrong but i am stuck on my decision because I do n't want that on my credit.
Product: Mortgage

On XXXX XXXX, XXXX, I spoken with XXXX XXXX , at Shellpoint and XXXX XXXX reporting on my credit reports. This mortgage loan hasnt been on my credit report since XX/XX/XXXX. This debt has been discharged and removed in Chapter XXXX Bankruptcy 11 years ago. Please be advised this debt should not be on my credit report as I have NOT RE-AFFIRMED the debt in Bankruptcy. 

On XX/XX/XXXX @ XXXX spoken with XXXX . Please remove these mortgages off my credit reports immediately as this significantly impact my credit scores with all 3 credit reporting agencies. As Per XXXX, she will have the Bankruptcy Dept to get this removed off my credit report within 24hrs. 

On XX/XX/XXXX @ XXXX, I spoken with XXXX XXXX the Bankruptcy Dept. about these debts still showing on my credit after I have already informed them that XXXX XXXX and Shellpoint should not be reporting on my credit report. At this point, Shellpoint and XXXX XXXX is NON-Compliance according to FCFA Section 623 ( a ) ( 1 ), As a rule, it's illegal to report information that you know or believe is inaccurate. Re-aging and duplicative reporting, particularly following portfolio acquisitions or sales, mergers and other transfers. 

Overall the level of inaccuracies reporting on my credit report has cause me and my family credit denial, defamation of credit and conflict of emotions. 

I'm requesting that XXXX XXXX and Shellpoint Mortgage be removed off my credit report immediately as I have waited beyond 30 days for credit report to be corrected. 

Sincerely, XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive have tried over and over again in XX/XX/2022 nothing had been done
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian credit bureau to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXXXXXX Balance Owed : {$74.00} ; XXXX XXXX XXXX Balance Owed : {$72.00}
Product: Checking or savings account

Someone wrote a fraudulent check on my business account which I reported within a week of it being cashed. The person who cashed it also signed it and endorsed it with his name so nowhere on there is my endorsement or signature. However, the teller cashed it anyway. 

I lost my checkbook unknown to me until the time I noticed this fraudulent check. The checkbook had been in my glove compartment of the car however since I was using them, they could have been in my purse instead. I have no idea how the checks got removed so I can only believe that someone entered my car or the checkbook came out of my purse when leaving the car. 

I have been denied 3 times by the bank to reimburse me for this large check. One of the denials, I was told that it was due to a police report which I did get. 

By the way, I have not received ANY other responses except for the first denial. I have spent hours checking on this, calling on it and they are very uncaring. 

I have several accounts with Chase but I will be leaving them because of this. The biggest reason I have an issue is that the bank should have done diligence to see that the check was not signed or endorsed by me. Nowhere was my signature but now I am responsible for the funds that they were negligent about cashing.
Product: Credit reporting, credit repair services, or other personal consumer reports

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


Account Number : XXXXXXXX XXXX XXXX XXXX, Account Number : XXXX XXXX  XXXX, Account Number : XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

This Jefferson Capital Systems debt appeared without notification on my credit report. I have not received anything by mail, by phone or by email. I requested proof of the debt but did not receive. My information was also stolen in the XXXX breach within the same window of time. XXXX - XX/XX/year>. This is not my debt.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX XXXX, am acting on my own as a natural person and consumer. There is information on my consumer report that is a result of identity theft. Per 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from the alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft! My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions.These companies DO NOT have lawful authority to report these items as it's in VIOLATION of my privacy and these companies are required to have tax documents on file stating they charged items off. Please delete these items listed below IMMEDIATELY! 
NAMES| XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | XXXX XXXX XXXX XXXX XXXX XXXX EMPLOYERS| XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 COLLECTIONS| 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 These identified accounts should not be furnished on my consumer report as they are in VIOLATION ! ! ! Under 15 U.S Code 1681b - Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my behalf or consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. You are required to do what l am asking of you and delete these accounts listed above. I look forward to your response. Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After being informed that a personal loan application was rejected on the basis of a reported credit card delinquency on my XXXX Credit Report, I downloaded a copy on XX/XX/XXXX to review the only credit card listed - American Express ( Amex ). 

Although Amex rejected my offer to allow the CFPB to review all account information submitted by both parties in support of my XX/XX/XXXX 'APR or Interest Rate ' Complaint and render a decision, the company instead retaliated by reducing my Clear  Card Max Balance from {$15000.00} to {$6500.00} and closing my Clear Card Account on XX/XX/XXXX ( see attached ). 

In addition to numerous other questionable activities that have been reported to the CFPB since ( see my complaint history ), Amex continues to engage in reporting misinformation to the credit bureaus designed to confuse and/or mislead potential creditors and other users into believing the account is still active and in arrears. 

Examples include that captured in the fields highlighted on the attached XXXX  credit report including the following : 1 ) Amount Put Due = {$2800.00} ; Date Reported = XXXX XXXX 2 ) Date Closed = Blank Enough already ... the account was Closed by Amex on XX/XX/XXXX!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX has violated my rights. 



Inquires : XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX Equifax XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX Equifax XXXX XXXX Equifax 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: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to dispute the inclusion of certain accounts in my consumer report provided by your agency. These accounts should not be furnished on my consumer report, as they are in violation of XXXX5 USC 1681b - Permissible Purpose of Consumer Reports, specifically under ( a ) ( 2 ), which states : " In accordance with the written instruction of the consumer to whom it relates. '' I have never provided any written consent to any consumer reporting agency, which violates my rights as a consumer. The absence of consent amounts to identity theft, and as a consumer, I am demanding the immediate deletion of the following accounts from my consumer report : ACCOUNT NAME- XXXX XXXX XXXX ACCOUNT NUMBER- XXXX In addition, I would like to draw your attention to XXXX XXXX XXXX XXXX which XXXX XXXX " A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. '' I have filed a report with the Federal Trade Commission ( FTC ) regarding identity theft and have been issued a reference number ( XXXX ) for this matter. I kindly request that you adhere to the legal obligations outlined in XXXX XXXX XXXX and promptly block the reporting of the aforementioned accounts from my consumer report within the statutory timeframe.
Product: Debt collection

XXXX XXXX continued to have court papers to try to be served despite no trespassing signs for livestock due to health and safety and being told to not come back as I wasn't the person he was trying to serve. He continued his harassing behavior that was a health hazard for my animals.
Product: Mortgage

Well, hard to condense this but I will do the best I can I applied for mortgage loan, say earl XXXX, I think at The State Employees Credit Union [ SECU ] in XXXX NC I was not asked at that time whether I wanted an ARM or even given pros and/ or cons. I had no input in the matter. 
Flash forward to end of XXXX. My total Mortgage payment was @ {$480.00} monthly since inception at that point. 
I had been informed several years earlier when my property insurance was not renewed, that SECU had placed some forced insurance on my acct So @ say XXXX, XXXX, I started some XXXX XXXX XXXX- a company out of Delaware [ {$1800.00}? annual premium ] After this said Insurance was incorporated into my mortgage, the monthly payments skyrocketed to {$830.00} That was absolutely unaffordable so I cancelled the XXXX  plan and was told I again would be put on forced insurance. Lo and behold the payments remained at {$830.00}. " What the world '' as a student of mine, named XXXX used to say ( she didnt add " in '' )!! And like XXXX, the mother of Jesus " How can this be?? '' I asked on bank XXXX call line and a guy whose name I don't remember, [ let them listen to recording ] said forced insurance was @ {$30.00} per month. So I called and messaged several times over to ask " How can this be? '' Seems like no one EVER could answer that question. 
So, I told them that I would and did complain to NC Insurance Commissioner sending them copy Nothing happened, with that. 

So, I pondered, then contacted the bank about how these things, adding 2+2, that had happened against me seemed part of a pattern of XXXX and now age discrimination against me and possibly others that has been going on for years. 
And I gave example : I have had 3 mortgages with XXXX XXXX and have NEVER once been offered the NC mortgage loan deposit incentive ; So that is my complaint of discrimination. 
I messaged them and followed up by saying I prefer to get their answer in writing so it would be black and white ( excuse pun ) documentation avoiding misunderstanding I've gotten two calls which I missed, but their voicemail said for me to call them back Yes, that's was a no no. Cause they can run circles around me explaining this thing away
Product: Mortgage

Application for loan modification was resubmitted for my on  XX/XX/XXXX  since my financial situation changed and those factors were not considered in the review of application denied in  XX/XX/XXXX . On  XX/XX/XXXX  additional supporting documentation was provided t o Fay Servicing via email per request of accnt manager. O n  XX/XX/XXXX  the account manager ( or SPOC ) advised case had been marked complete and was being handled by underwriting as of  XX/XX/XXXX .     On  XX/XX/XXXX  I received a letter requesting  P & L for co ntributors since they could not provide paystubs for their income. The documents requested were sent by  XX/XX/XXXX  pe r Fay Servicings reque st. On a phone call made to the servicer on  XX/XX/XXXX  we were informed the underwriting department requested an update d  XXXX  claimin g the IRS had rejected the one we had submitted. I did not receive a letter or phone call with this request. An upd ated  XXXX  for m was emailed to servicer per request.   On a phone call to the SPOC on  XX/XX/XXXX   XXXX   XXXX  informed the underwriting department had received the form emailed  XX/XX/XXXX  and that my file was complete. He promised to follow up with a phone call within a week.   On  XX/XX/XXXX  I had not heard from servicer and had not received any letters indicating outcome or requesting documentation. Voicemail was left for SPOC to return phone call with update on this case.      XXXX  SPOC (  XXXX   XXXX   )  explained that underwriting department had been handling my case since  XX/XX/XXXX . However, since 90 days have passed since that department received the file and a decision hadnt been made, updated application and documentation needs to be re-submitted for their review.     The  SPOC  further explained that the reason why a decision hadnt been made on the case is because the underwriter department is overloaded with work since I am not heir only client, and has not been able to review the documentation provided on time, therefore documentation submitted in  XX/XX/XXXX  has now expired . SPOC gav e as an additional reason for delay on the decision the fact that I had not responded to requests immediately, or did not submit a complete application when prompted. I submitted all documentation as requested by the deadline p rovided by Fay Servicing, and Fay Servicing  has acknowledged the receipt of the documents by such deadline. Further, the fact that this case was submitted to the underwriting department in  XX/XX/XXXX  shows tha t Fay Servicing had consid ered my Application for Assistance as complete and subsequently transferred the file to the underwriting department for a prompt decision.