23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I would like to lodge a complaint regarding Selene Finance, to whom my mortgage with XXXX XXXX XXXX was sold. My payment in XXXX XXXX was 'credited wrong ' and took three phone calls and a letter to resolve. In the interim, the missed payment was reported to the credit bureau, and still, after establishing that it was paid, shows up as 'unknown '. This month, I called in my payment four days before it was due, and today, a week later, nothing has been debited from my checking account nor posted to my account on their website. Upon calling them, my call from XXXX is recorded to make the XXXX payment, but 'does n't look like it was completed '. I asked if it were submitted again today if it would show up as being paid last week as requested on the first phone call, and was told that no, it would be credited with today 's date. 
Additionally, I have completed a Chapter XXXX, which was discharged in XXXX XXXX. The mortgage was paid outside of the bankruptcy and no payments since its inception in XXXX have ever been late. Selene will disclose no information to me because 'it 's handled by the bankruptcy department ' and needs to be requested by my lawyer. 
I now have no confidence whatsoever that payments made on time will be credited properly, and as the Chapter XXXX has been closed, I would have to re-engage the lawyer for communications regarding a mortgage that was never part of the bankruptcy to begin with. " Losing '' two payments in less than two years is ridiculous and I feel I have no recourse.
Product: Debt collection

I 've attempted to work this debt out with my insurance company, they have stated that since XXXX did n't submit properly, they could not back date a payment from more than 2 years ago. I 've spoken with the collection agency, and ca n't get anywhere with them, and XXXX just violates the Hipaa act by sending pertinent medical information to the collection agency and then pretending like it 's not a big deal. Numerous phone calls, and nothing. The medical debt should have been billed correctly to my insurance in the first place and it would have never gotten to the point it 's at now.
Product: Vehicle loan or lease

I went into the local Honda dealer on XX/XX/year> and asked what it would look like to purchase my leased car. The sales man was very high pressure and talked me into purchasing my lease. I went in the very next day after discussing the details with family and realizing that he lied about a lot of the purchase and the rate on the loan was way higher than he told me. I asked them to reverse everything and just allow me back into my lease. They said that they did. Nothing changed in the system on their end by on XX/XX/year> they ran a hard credit check 2x. I was not told this was part of the process, Because I was leasing it was implied that no credit check was required. I only recently found out that this was on my report. I also reached out to Honda directly but have not heard anything from their customer service.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : 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: Mortgage

I have been trying to work out a loan modification with US BANK since 2012, with relationship managers XXXX XXXX and now XXXX XXXX have talked to them once a month without success.Today, totally unannounced, I received a XXXX ( XXXX ) page lawsuit against me from a XXXX XXXX, XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, ( XXXX ) XXXX, XXXXXXXXXXXX notifying me that I have 20 days after the service of this summons to make an appropriate written response in District Court, requiring compliance with Rule 10 ( a ) ( 1 ) and other Idaho Rules of Civil Procedure.I can not afford an expensive attorney to respond and in reading the complaint, it is really a legal fight between US BANK and XXXX XXXX XXXX and XXXX to decide who is in the first priority on my property which has been my home for the last 27 YEARS and who is the XXXX priority.I do n't care ; let them fight it out.Why am I involved? Why is XXXX, who handled my refinance and Deeds of Reconveyances not named? I have successfully worked out a modification with XXXX on my XXXX Deed of Trust and hoping to do the same with US BANK. 
Thank you for your assistance, XXXX XXXX XXXX XXXXXXXXXXXX
Product: Debt collection

XXXX XXXX XXXX has been trying to collect a debt from Spot Loan ( original creditor ). They are also reporting this collection on my XXXX  report. I've asked them to remove this debt numerous times and they have refused. 

Spot Loan just lost a class action lawsuit for illegal loans. This was finalized recently and one of the conditions is removal of this account/loan from all credit reporting agencies. I would like this removed immediately. I am attaching the class action settlement document to this complaint. If you want the full 92 page court document, let me know. As this reported debt is now invalid/obsolete, I also want confirmation from XXXX XXXX XXXX that they will not try to resell this invalid collection debt to another company. 

Thank you
Product: Credit reporting or other personal consumer reports

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXX XXXX and XXXX XXXX XXXX XXXX I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Product: Mortgage

My mortgage company sent me a letter stating an error may have occurred when my loan was considered for payment assistance options and a check for {$200.00}. The error which occurred is not OK with me. It resulted in foreclosure and the loss of my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have notice unauthorized inquiries on my credit report. I have reached out to the creditor and the credit reporting agency and was not able to get my issue resolved. The creditor will tell me to speak with the credit reporting agency and vice versa. I placed an initial fraud alert on my profile on XX/XX/21. I have called, mailed letters and disputed online with the credit reporting agencies with no success.
Product: Credit reporting or other personal consumer reports

ON XX/XX/XXXX I Discovered that I was a victim of Identity theft. I became aware of the issue when i look on XXXX XXXX and i seen unauthorized inquiries and opened accounts and loans on my credit report ( XXXX XXXX XXXX  XX/XX/XXXX ) XXXX XXXXXXXX XX/XX/XXXX ) XXXX XXXX XX/XX/XXXX ) Bk of America XX/XX/XXXX ) XXXX XXXXXXXX XX/XX/XXXX ) XXXX XXXX XX/XX/XXXX ) XXXX XXXXXXXX XXXX XX/XX/XXXX ) XXXX XXXX XXXXXX/XX/XXXX ) XXXX XXXX XX/XX/XXXX ) I did not authorize these activities nor did I provide my personal information for these purposes. I am submitting this report to Document the identity theft and request assistance in resolving these fraudulent activities. please let me know if any additional information is required .thank you for your time and assistance.XXXX XXXX
Product: Mortgage

Over the past seven years there have been two foreclosure lawsuits against me for a property that I did not own related to mortgage agreements that were erroneously and fraudulently processed. The first lawsuit by XXXX was dismissed years ago after I spend a great deal of money in legal fees on representation. In XX/XX/2014 I received another lawsuit from XXXX ( the debt then has been sold to MTGLQ Investors L.P. ). I contested this lawsuit again and received notice from the Judge that I am not responsible for the debt. I continue to be harassed for payment of a debt that the Court has said I am not obligated to pay. I do not own the property named in the foreclosure action, I do not live there and I did not have the capacity to enter into a mortgage agreement that was obviously processed in error.
Product: Debt collection

In 2014 I pulled up my credit report to view it and seen there were XXXX addresses tied to my name and the were sending me debt collection bills. I immediately went to make a police report and stated that I had never lived in that city. I recieve harrassing calls from Pro Collect Inc., even after I have already sent in all my documentation showing proof that I never resided there.
Product: Mortgage

I have been traveling a lot for work. While I was abroad for work, my bank I had been paying my bills from, closed the account for security because I used the connected debit card abroad, and physically mailed me cashier checks. Checks I could not access as I was abroad for work. Payments got missed. Planet Home offered loan restructuring. I had to make three equal payments at the new price. When I had successfully made those payments, they sent me the paperwork to sign, but I was not home. So I asked them prepare and email me a copy of that paperwork. They said I had a very small window ( 24-48 hours ) to sign and have it in a prepaid fedex label. 
I complied with all of these. 
I called to make my payment in XXXX, and they told me a payment was not due that month as the loan had been restructured. This was roughly the twentieth of XXXX, long after the delivery of the documents. 
In XXXX I called to make my monthly payment, they said I owed XXXX dollars, more or less. 
Upon their explanation, they said that my paper was not valid because I used a digital notary service. Which was made legal by senate bill 275. A horrible technicality. 
They said they resent the documents but I didn't respond in time so the restructuring was no longer an option. I said I had check my ring door bell footage and no such delivery had been made, and I also stated it wasn't fair because I had requested that email be the main source of communication, as my work requires my constant traveling. The representative put me on hold. When they came back on the line, they said that they would be preparing the documents for me again, and emailing them to me, as I did in fact request to be sent and corresponded with via email. They said that I would receive it in one week which was three weeks ago. I have not heard anything, and I feel that I am being unfairly treated in regards to my home. I want to resolve this issue, but that are not cooperating. I do not want to lose my home because they are not doing as they say. 
I also have the call recorded where they said they would email me the documents.
Product: Prepaid card

I have been a Wisely XXXX XXXX XXXX XXXX customer for over 10 years. Many times, I have used the bill pay feature that is now through XXXX XXXX XXXX. Attached is my XXXX, XXXX  statement for my card ending in XXXX. On XX/XX/year>, I sent a payment through bill pay to my fuel company, XXXX XXXX XXXX as you will see on the monthly statement. 

I became aware in XXXX of this year that none of the XXXX payments that I had mailed through bill pay to XXXX XXXX XXXX had been applied to my fuel account. After many calls and research from the fuel company, they were able to find all but the {$270.00} payment that was mailed on XX/XX/XXXX. The fuel company now insists that I produce a copy of this check showing it was cashed/stamped. 

Please send me a copy of the stamped check for this {$270.00} payment if it has been cashed by XXXX XXXX XXXX. I need to show them proof of payment. If not, please refund my account for the {$270.00}. As you may know, fuel oil is very expensive, and it is a financial burden to not have this payment accounted for as we approach the heating season. 

I have made several phone calls to Wisely customer service about this issue, and I was very surprised to be told that no such amount existed. The customer service rep said this without ever asking for the date of the check or a reference number which I would have been happy to provide. 

I have called at least twice a month for 7 months and each time I have been told this will be resolved in 3 days. I just need to show the fuel company that I sent the payment to that it has been cashed or refund the amount. Attached is a XXXX letter that I sent as well as emails.
Product: Debt collection

hello i saw i have a collection from ars account resolution but i do not owe this company any money i don't have a contract with this company i request they delete off my credit report asap per HIPPA violation and FCRA violation.
Product: Debt collection

I was hospitalized XX/XX/XXXX and had a deductible of {$3500.00} from my medical insurance company. 
I was paying the hospital directly, but when I called to get my balance, I was told that they did not have any information. I was then contacted by a collections agency, Progressive Mangement Systems. That was in XX/XX/XXXX. 
I made arrangements to pay XXXX per month. 
I received an itemized payment summary and one is for {$1700.00} and another for {$3800.00}. 
I have been unemployed since my illness.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint was filed : Weve received your complaint. 
Well send you updates about your complaint along the way, but you can track the status of your complaint at any time on your Consumer Portal. 

COMPLAINT ID XXXX SUBMITTED ON XX/XX/2021 PRODUCT Mortgage ISSUE Incorrect information on your report As of XX/XX/2021 the report with Equifax has been updated to the attached screenshots - still inaccurate. This malicious inaccurate reporting of non existent delinquency has effected my insurance rates on both my home and auto among other things - this is my last attempt to get correction before legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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
Product: Debt collection

My husband owed a debt to a certain bank which unfortunately we had to stop making payments on because of his financial situation. He is & has been on a fixed income since 2005 ( XXXX, XXXX funding ). He was served a summons of garnishment from a creditor in the county we live in. My complaint, in the state of GA certain funds are exempt from garnishment, XXXX funds just to name a few. Our bank protected his XXXX funds however they did not protect his pension or workers comp deposits from being garnished and this is the only income provided to him to manage, take care of our entire households survival. What I want to know can we sue our bank for not protecting these funds? Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted several dispute for the following accounts but I haven't been notified with the result to my mail : XXXX  Account # : XXXX | XXXX  Account # : XXXX | XXXX  XXXX Account # XXXX : XXXX and XXXX
Product: Credit reporting or other personal consumer reports

There are several unauthorized inquiries on my report. I have mailed investigation letters to the bureaus and organizations. I have also created a report with the FTC, yet there have been 0 attempts for resolve. These unauthorized inquiries should be investigated and removed immediately, as requested.
Product: Credit card

I received a phone call from a female  XXXX  supposedly from  XXXX   XXXX   XXXX . She told that to call  XXXX  regarding a complaint a summon for a debt supposedly I owe in   XXXX    . They told me if I do n't pay I could me arrested or freeze my back account. I do n't owe anybody.. I check my credit report and that account does n't exist. They have n't send me anything through the mail. The only thing they send me a email. they wanted my back information and my signature. I check in the internet and I 'm not the only one who this people called.. This company is not in the internet, I checked.. I want them to stop harassing me..
Product: Credit reporting or other personal consumer reports

on XX/XX/2023, an unauthorized hard inquiry was made by PREMIUM CREDIT BUREAU on my Consumer credit report. I first called the contact number associated with PREMIUM CREDIT BUREAU, who told me that it was not in fact them, but another company under them and gave me another contact number. When calling the second company, the phone was answered by someone who didn't and wouldn't introduce themselves properly for me to know if I was even calling the right business. Demanded to know my name and that someone would call me back. I was then called by agent XXXX who insisted that he had no control over removing the hard inquiry when in fact, XXXX told me as the creditor they do have control. After, I called XXXX back to dispute the fraudulent activity, I was told the inquiry would be removed within 24-48 hours. Not even 24 hours and XXXX has closed the dispute without fair resolution, with the unjust inquiry remaining on my report. In addition, I did not give XXXX permission to furnish this information on to my report. This is a violation of the Credit Reporting Act section 1681b ( c ) which constitutes as fraudulent activity and is also a serious breach of my privacy rights.
Product: Credit reporting or other personal consumer reports

My information with Equifax has been breached, here is the proof. And they refuse to delete all the accounts.
Product: Debt collection

We have received multiple telephone calls from a company called " Diversified Consultants, Inc. '' Their number is XXXX. They have called several times and just hung up when we answer the phone. I just called their number and spoke with a " XXXX XXXX. '' XXXX said he was calling for XXXX XXXX and that we were " headed to court. '' I told this XXXX we did not subscribe to XXXX, or rather tried to, but he continuously spoke over me, and refused to listen to me at all. We subscribe to XXXX and have for some time.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX
Product: Debt collection

I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. In accordance with the Fair Debt Collection Practices Act ( F DCPA ), I request the following information. 1. The name and address of the original creditor and the current creditor. 2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 4. Proof that the original creditor securitized the debt. s. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit
Product: Student loan

I am missing a total of XXXX Public Service Loan Forgiveness ( PSLF ) payments in the Federal Student Aid ( FSA ) system. I have reached out to FSA via phone, chat, and email with no satisfied result to-date. My original servicers ( Navient and XXXX ) have transmitted my full payment history to FSA, which should therefore reflect the correct number of PSLF payments made. Unfortunately this is not the case as FSA has failed to add XXXX missing payments to my account over a 4-year period, including, XXXX ( XXXX, XXXX ), XXXX ( XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ), XXXX ( XXXX ), and XXXX ( XXXX, XXXX ). I have submitted multiple request on the FSA website for reconsideration of PSLF payment count and my the payments mentioned above have not been updated in my account. I have also provided FSA with documented proof from the original servicer showing my full payment history along with corresponding bank statements. I have worked for the same qualifying employer since XX/XX/XXXX and have certified my employment consistently with the last date being XX/XX/XXXX. For the XXXX missing payment months mentioned above, I was in repayment status and was not on any forbearance.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.