23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have been applying directly, for hardship assistance with this Servicer ( Selene Finace ), since XXXX of XXXX. 
Previous to that, I retained legal counsel to assist me with the process. 
I have provided all items requested multiple times, yet have had no success with being reviewed properly, for hardship assistance. 

Despite cooperating fully, I have not been able to communicate with the assigned Relationship Manager, XXXX XXXX XXXX. 
Servicer has set several Judicial Sale Dates, claiming that I have not provided information in a timely manner.

Servicer also submitted a denial letter ( dated XX/XX/XXXX ), claiming that I had been reviewed for assistance, but had insufficient income, as well as too much debt, to qualify. In reality, Servicer utilized erroneous information, possibly from another applicant, and has not reviewed my financial information correctly. 

I challenged those findings unsuccessfully, yet Servicer refused to review their decision, or cancel the scheduled Sale date set for the following day, XX/XX/XXXX. 
I was successful in canceling and having the Sale rescheduled to XX/XX/XXXX. 

I submitted all the supporting documents requested by Servicer, and none were reviewed. After numerous inquiries and internal escalations, I was informed by the Servicer, that my application would not be reviewed, due to there being insufficient time to review ( less than 37 days before scheduled sale date ). I was then reassured that if I could have the Sale Date postponed, Servicer would permit me to submit a new application, and that Servicer would properly review my application for all available options.

I was successful in having the Sale rescheduled to XX/XX/XXXX. I then prepared and submitted a Hardship assistance application, as instructed, to Servicer. ( see below ) Mail to : Selene Finance LP XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, TX XXXX Or Fax to : ( XXXX ) XXXX Or Email to : XXXX I submitted the documents and information by email ( XXXX ) on XX/XX/XXXX - 39 days before the scheduled Sale Date of XX/XX/XXXX. One week later, I followed up with Servicer. Servicer claimed to have no record of receiving my application. 

I was advised to resubmit on that day ( XX/XX/XXXX ), and informed that the file was escalated. I submitted the application to XXXX as instructed. 
I then called again on XX/XX/XXXX, and was again advised that no record of submission existed. I was advised to submit again that day, for an expedited review. I submitted the application by email to : XXXX, XXXX, XXXX, and XXXX On XX/XX/XXXX, i again called Servicer. I was told that no record of a submission existed! I submitted once again, while the rep claimed to be monitoring the Inbox ( XXXX ). I asked for a callback from XXXX XXXX XXXX - as I've done multiple times, yet to date have not received a response. 

This Servicer has not acted in good faith, and I am pleading for your intercession.
Product: Credit reporting, credit repair services, or other personal consumer reports

14 open reports for loans. Tried to get consolidated into showing one or 2 open accounts. Can not seem to do it. Also campus at coldwater, Michigan is no longer there. 
Never was told XXXX was a private college which meant qould have to take out subsidized and unsubsidized to cover tuition and books that pell grant wasn't big enough to cover. 
Books were as high as XXXX dollars and when semester would end the student bookstore wouldn't take nine tenths of them- claiming outdated or would give u XXXX to XXXX dollars Never notified me of coldwater branch of XXXX campus closing
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 name : XXXX XXXX XXXX acct # XXXX Account name : XXXX XXXX XXXX acct # XXXX Account name : XXXX XXXX XXXX acct # XXXX Account name : XXXX XXXX XXXX acct # XXXX Account name : XXXX XXXX  # XXXX Account name : XXXX XXXX acct # XXXX Account name : XXXX  acct # XXXX Account name : XXXX acct XXXX XXXX Account name : XXXX XXXX  acct # XXXX Account name : XXXX XXXX acct # XXXX Account name : XXXX XXXX XXXX acct XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States 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 crime 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 consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate. Information, other than records of convictions of crimes which anledates 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 consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate please delete
Product: Credit reporting or other personal consumer reports

XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Email : XXXX Phone : XXXX ( XXXX ) XXXX Equifax Information Services XXXX XXXX XXXX XXXX XXXX  XXXX To whom it may concern : I am writing to formally dispute an unauthorized inquiry that appears on my credit report. This inquiry is a violation of several federal statutes designed to protect consumers, including the Fair Credit Reporting Act ( FCRA ) and other applicable laws. The specific statutes that have been violated include : 15 U.S. Code 1681b Permissible Purposes of Consumer Reports : This section restricts access to credit reports without explicit consumer authorization or a legitimate purpose.

15 U.S. Code 1681e ( b ) Accuracy of Credit Reports : Consumer reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information contained in credit reports.

15 U.S. Code 1681a ( d ) ( 2 ) Exclusion of Certain Transactions from Consumer Reports : This section specifies the types of information that should not appear on a credit report.

15 U.S. Code 6802 Obligations Regarding Disclosure of Personal Information : This law mandates that financial institutions obtain a consumers consent before sharing personal financial information with third parties.

15 U.S. Code 6803 Disclosure of Privacy Policies : Institutions must provide clear and accurate disclosures of their privacy poli

cies regarding how consumer data is shared. 18 U.S. Code 102
8A Aggravated Identity Theft : Unauthorized use of personal identifying information can constitute identity theft, which carries serious legal consequences. 
The inquiry I am disputing was made without my knowledge or written consent. This unauthorized inquiry is both inaccurate and a violation of my rights under the aforementioned statutes. 

Given the legal implications, I respectfully request that you : Immediately remove the unauthorized inquiry from my credit report. 
Ensure that your procedures for verifying inquiries comply with the above federal statutes. 
Send me an updated copy of my credit report reflecting this correction. 
I have attached copies of my identification and proof of my current address for verification purposes. 

Thank you for your prompt attention to this matter. I expect a response confirming the removal of the unauthorized inquiry within 30 days of receiving this letter. If no action is taken, I reserve the right to pursue further legal remedies. 

Sincerely, XXXX XXXX XXXX Attachments : Photo identification document Proof of current address
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 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 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
Product: Debt collection

In XXXX I purchased a Truck that was financed through XXXX XXXX. The truck stopped working and they picked the truck up. XXXX then put the repo on my credit and sold the truck for the remaining loan balance. XXXX advised me that the loan balance was XXXX but would remain a repo on my credit and I understood. In XXXX of XXXX I started receiving letter from attorneys stated I needed to contact them bc a Civil action had been filed against me from XXXX XXXX XXXX. in reference to this same XXXX loan. This loan has had a XXXX balance since they sold they truck and recouped my loan amount. I also was never served or given any paperwork or documents in reference to this civil action.
Product: Debt collection

This XXXX XXXX XXXX was included in Chapter XXXX Bankruptcy discharged on XX/XX/XXXX I recently learned the debt has re appeared as a derogatory account still owed on all three credit reporting agencies on both mine and my wife 's credit reports, even though the original account was in my name only. Both names are on the discharge. Then on XX/XX/XXXX I received a collection notice from Diversified Consultants claiming the dept is now owed in the amount of {$860.00}. It appears to me that XXXX and the collection agency may have assumed the discharged debt would not be noticed, in an attempt to repost and collect the debt illegally. 

The collection agency ; Diversified ConsultantsInc XXXX XXXX XXXX XXXX Fl XXXX
Product: Vehicle loan or lease

I had a auto loan through Wells Fargo Dealer Services. 

My auto loan was charged off on XX/XX/XXXX. 

I made a payment on XX/XX/XXXX that they have record of but they said for some reason the payment never went through. I had sufficient funds in my account at the time I attempted to make the transaction. They had no specific information was to why my payment never went through. 

I was never emailed or contacted by phone to be notified my loan was about to be charged off. 

Additionally, when I found it was charged off they presented me with a number of payment plans. The cheapest option was XXXX a month for 3 months, to bring my payment back down to XXXX for 12 months. 

I explained that I was currently in school full time on the GI bill and that the problem with my payment history stemmed from highly publicised issues the VA was having paying veterans their GI bill payments. 

I further explained that XXXX was the exact amount I was getting in GI bill payments for my area and that would be an undue burden. 

They said they were sorry and that there was nothing they could do. 

I even attempted to refinance with a very credit worthy cosigner theough wells Fargo and they would not refinance me. 

So now for the next 3 months the XXXX a month I make through the GI bill is going straight to my car.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2017 an unknown hard inquiry showed on my report. the campany is XXXX but i could not find it on the system thanks!
Product: Debt collection

The PayPal Credit Account I have had for some time has changed over to Synchrony Bank, and since this occurrence, they do not allow any grace period in making payments to my account. I bill is due on the XXXX of the XXXX, and I paid it on the XXXX. But it was not posted until the XXXX. I was charged an excessive amount for a late fee of {$41.00} on the XXXX. I don't think it is fair to any consumer to have to pay late fees in such amounts that it is almost half your monthly payment amount. This business practice keeps the consumer in debt to the merchant, affects their credit ratings with late fees, and does not consider giving any additional time 3-5 days at least for the debtor to pay their bill monthly or otherwise. Debt Collectors are making nothing more than more profits in keeping the Consumer in debt to them by adding excessive late fees which add on to the interest balances on any account.
Product: Checking or savings account

On XXXX XXXX, I went to regions bank to reopen my life free access checking account. I previously had a checking here and closed in good faith due to location of branches and house ( travel ). I previously funded new account with same debit card I brought with me today. At least XXXX was required to open account. We it came time for paperwork, the agent told me to go outside to atm instead of swiping my card as usual and per website policy stating a debit card can be used to fund new accounts. ATM was not a walk up kind but drive through. I felt uncomfortable around all the traffic and went back in. She stated I could go to teller to fund it up there. I preceded to go to teller. I handed her the account number and my ID ad debit to fund new account. She took one look at me and said we don't do that here. You have to go outside t atm. Which atm would have racked up fees on both sides for not being compatible with either bank. I told her my cad is a legitimate XXXX  debit with a valid checking and routing number. She asked the teller beside her and she sadno because someone else tried to get all their money off a type of refund tax card th other at. I told her this is not that type of debit card and she didn't even try to swipe my card to see if it could fund my new account preceded to tekl me they updated their policy recently that they wont let anyone who wnars their refund off their cad to ooen a chcking account. I've already been established at this bank. I went to XXXX  after and had no issues with my debit. Thereller at regions didn't eve try ad profild me into thinking it was a fly by night tax card not a legit checking XXXX  debit. I guess because the infux of people getting their refund today, everyone was trying to use region 's to get their money off. Al she needed to do was withdraw XXXX. And I could have linked them later. But XXXX refused assistance and would not try which was absurd to say he least since I was a return customer. Needless to say, I've used the same debit card to fund XXXX years ago with an agent behind the desk with XXXX swipe of it. They were just basically profiling me. An ATM outside by the vehicles is dangerous as well. Not to mention fees associated with neither bank being in agreement. I made sure of these policies before driving XXXX miles to this bank. They accept any valid XXXX  or MasterCard debit to fund new account.
Product: Mortgage

Bank of America has not complied with California Civil Code 2924.17 ( a ) and ( b ). 
On XX/XX/2013 Bank of America approved MHA HAMP and MHA HAMP TPP. 
Bank of America caused to be recorded the NOD without ensuring all was accurate and complete and supported by competent and reliable evidence, and after substantiating borrower 's default and servicer 's right to foreclose. 
Also, just to correct a typo under CFPB complaint XXXX, the correct California Civil Code is 2923.55 ( f ), not 2924.55 ( f ) as stated.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX and TransUnion credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 

XXXX XXXX XXXX Balance : {$41000.00}.
Product: Credit reporting or other personal consumer reports

In accordance with the FCRA, the following accounts listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts must be removed immediately, ( 1 ) XXXXXXXX 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 15 USC 1681Section 602 ( a ), states I have the right to privacy, 15 USC 1681, Section 604 A2, also states that a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681 c ( 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. Lastly, 15 USC 1681 s-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 in accurate. I'm requesting that the accounts above be deleted immediately.
Product: Credit reporting or other personal consumer reports

Remove the following accounts because they are not mine. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

A charge in the amount of XXXX from XXXX XXXX XXXX his my credit card on XX/XX/XXXX. I saw it on my statement on XX/XX/XXXX and contacted Wells Fargo immediately. I tried to call the number they provided for the vendor and it was a recording to contact your contractor directly and hung up. I called Wells Fargo on XX/XX/XXXX and filed a fraud report for the charge. They then said the charge was a famous Rock climbing place and was in line with how I go skiing with my kids and would not refund it and I would be liable for the charge. They then charged me back in XX/XX/XXXX. They gave me no other information, receipt or ways to contact this XXXX XXXX XXXX. I did not charge this or receive any services or even know who they are. I have tried to dispute again with Wells Fargo and they refuse. I have filed a complaint with the XXXX and gotten no where. This is a lot of money for me as I am a single Mom with XXXX children. Please help. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got an email alert from XXXX about a hard credit check done by Discover Financial Services. I did not apply for any credit from Discover nor approve a hard credit check by Discover. I called Discover and they had no record of a credit check. I called XXXX and they did confirm a credit check.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2019 I have contacted the collection agency all three credit bureaus ( Experian, XXXX, and XXXX  ) and XXXX XXXX disputing the unknown account and asking them to provide documents to support their claim of me owing them debt such as identifying documents, a legal contract bearing my signature, calculation of the debt, how it was calculate, and who furnished the information. For over ten months all I get are " form '' letters no real facts when they should have provided these documents within 30 days according to FCRA law. They have continued to break the law while my quality of life suffers. This is my last attempt to resolve this issue without legal assistance. The account in question is XXXX XXXX ( original creditor XXXX ) ... Amount {$1300.00} for an authorized/unknown utility.
Product: Credit card or prepaid card

I checked my Credit Reports today and see that a new Credit Card was opened using my info with CITI XXXX /Citi Bank starting with an inquiry on XX/XX/21, and issued a Credit Card for {$12000.00}. I have contacted XXXX to start a Fraud Complaint, I also reached out to Citi and was told they are starting the process but I would have to call the Fraud Dept directly but the number they gave me XXXX goes to a dead line. I will proceed to contact the FTC and the other XXXX XXXX XXXX XXXX XXXX ) asap. 

XXXX shows the address of the person who opened this new CC as XXXX XXXX XXXX XXXX, XXXX XXXX. I live in XXXX and have never lived in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regular Inquiries Regular Inquiries are posted when someone accesses your credit information from TransUnion. The presence of an inquiry means that the company listed received your credit information on the dates specified. These inquiries will remain on your credit file for up to 2 years.

XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX ( XXXX  ) XXXX Inquiry Type : Individual Requested On : XX/XX/2018 The above inquire was not authorized by me. Contacted XXXX and was told to send a physical letter to XXXX Customer Relations at XXXX XXXX XXXX XXXX XXXX, NM XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX {$330.00}. The Fair Credit Reporting Act promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies ( CRAs ). To ensure compliance, the agency pursues an aggressive enforcement program aimed at the main players in the consumer reporting system CRAs, those who send them information, and consumer report users. The FTC has sued CRAs, charged companies with furnishing inaccurate information to CRAs, and charged users of consumer reports with failing to notify consumers when they make negative decisions about them based on a consumer report. underage with XXXX. The Fair Credit Reporting Act, 15 U.S.C. 1681, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. see attach ftc violations Fair Lending Laws and Regulations XXXX  to Pay {$570.00} XXXX as Part of Settlement with FTC, CFPB, and States Related to 2017 Data Breach.
Product: Credit reporting or other personal consumer reports

I would like these account to be remove so my credit report can update accurately INQUIRES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Information reporting on my credit is inaccurate I am writing to have the following information remove from my credit report. the item that i need deleted are going to be attached in the word document. I am a victim of identity theft. I have multiple accounts and inquiries that i did not apply for listed on my credit report. I ask that these items be deleted so my credit report can show accurate information. i reported the theft of my identify to the federal Trade Commission and enclosed a copy of the report. I would like these items deleted from my report as soon as possible. Please block this information from my credit report, pursuant to section 605b of the fair credit reporting act.