23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Selene Finance [ Address ] [ City, State, ZIP Code ] XX/XX/2024 To Whom It May Concern, I am writing to announce that I am filing a substantial complaint against Selene Finance with the Better Business Bureau and the Consumer Finance Protection Agency. Your despicable treatment of customers, including myself, is beyond unacceptable and warrants immediate action. 
Your predatory lending practices are appalling. You set customers up for foreclosure without proper notification, cheat them out of their payments, and take advantage of their situations. It is clear that Selene Finance operates with the sole intent of driving homeowners into foreclosure for no valid reason, making it impossible for them to keep their homes. 
I have irrefutable evidence of Selene Finance 's unethical and possibly illegal actions. These include the unjust cancellations of homeowners insurance, the rejection of payments without explanation, and manipulative tactics designed to force customers into foreclosure. This pattern of behavior is nothing short of criminal, and I am demanding law enforcement to launch an investigation into your practices. 
Your companys sole purpose seems to be to make customers suffer and lose their homes, with complete disregard for their financial stability and well-being. This is intolerable, and it must be stopped immediately. The volume of complaints from other customers who have suffered under Selene Finance is overwhelming and indicative of a systemic issue. 
Here are just a few examples from the SELENE FINANCE COMPLAINTS XXXX XXXX : XXXX XXXX : " Just found out that they canceled my homeowners insurance. '' XXXX XXXX : " My mom has sent several payments to Selene and they sent them back. Now they are foreclosing! WHY????? '' These testimonials are just the tip of the iceberg. Your actions are not only unethical but are also causing real harm to real people. This behavior is a clear indication of your predatory lending practices and your blatant disregard for your customers ' lives. 
I demand that you cease these predatory practices immediately and begin treating your customers with the respect and fairness they deserve. This is a formal notice that your actions are under scrutiny, and I will not hesitate to pursue every possible avenue to ensure justice is served. 
Sincerely, XXXX [ Your Contact Information ] [ Your Mortgage Account Number ]
Product: Credit reporting

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX, XXXX XXXX XXXX Dear CFPB Representative, On XX/XX/XXXX, I discovered Creditor, XXXX XXXX, XXXX, and XXXX have violated my rights as it relates to the Fair Reporting Credit Act ( FRCA ). The Creditor, XXXX, and XXXX re-inserted the below previously deleted items without notifying me within 5 days that the items would be re-inserted in my credit files.. Under the Fair Reporting Credit Act, the Creditor and Credit Agencies are required to notify me within 5 days of re-inserting the previously deleted items. 

Agency Creditor Account Experian XXXX XXXX Item Status : Was removed XX/XX/XXXX. Item removed on multiple dates but latest credit file showing item re-inserted after FCRA period of expiration XX/XX/XXXX. 
As of discovered today, all items were re-inserted in on my credit file without me being notified within 5 days of the re-insertion and after the item FCRA 's reporting periods have expired. 

Please assist in resolving this matter quickly and having the credit agencies delete the negative information immediately. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE HAD AN ACCOUNT WITH  XXXX  AND PAID IN FULL. The write-off is the only derogatory information and it is FALSE.     After some investigation I found out that the owner of the account had a very bad accident back in the fall.  XXXX  totaled out the account but there was a dispute over the value of the car, the amount of gap insurance, and a deductible. I could not get much more information because IT IS NOT MY ACCOUNT.     I have also reported this to my state 's consumer protection board. This has wiped more than  XXXX  points off my account. IT IS INACCURATE AND fraudulently reported as failure to pay car payments but it is because they did not receive an amount from  XXXX .  XXXX  decided to falsely report it as missing payments instead of taking up a dispute with the borrower, the insurance company, and THEY WO N'T REMOVE THIS DISROGATORY INFORMATION. They never contacted me because it is not my account. I have never lived at  XXXX   XXXX   XXXX  and have not lived in CT for more than 10 years.
Product: Credit card

I have two American Express credit cards. Despite making timely payments and paying more than the minimum, they reduced my credit limit on both cards and damaged my credit score. This may be understandable for delinquent accounts but not for those that are paying as agreed. Between the two cards, they requested more than {$12000.00} to prevent this penalty. Please review their practice and have my original credit amount restored to rectify the damage to my credit score.

I have two cards but could only list one on the website. 

Thank you.
Product: Mortgage

On or about XXXX XXXX, I received notification from PennyMac, my mortgage company that they were going to increase my monthly mortgage payments because my escrow balance for property tax was too low, based on their ESTIMATES. I know approximately what my tax payment will be, and what they are asking I felt was unreasonable. At that point, I contacted PennyMac and said that I would take care of paying my own property taxes and that I wanted the funds held in the escrow account returned to me. I 've have since contacted them XXXX more times, and most recently last Thursday, I spoke with supervisor, XXXX XXXX, stating that they had 48 hours to return this money in the amount of {$1800.00}, at which point I was going to both contact my attorney and the CFPB. She stated that they could not get the money to me in 48 hours, but that she would see that it got into the mail in 48 hours ( with electronic banking and based on the fact that I make electronic payments to them, there really is NO REASON why I should not have this money within 48 hours - they could do it by direct deposit to my account ). I stopped paying money into the escrow account beginning with my XXXX payment. It has been almost a full month, and as of today, I have received nothing from them and am still showing the {$1800.00} still held in the escrow account. XXXX XXXX said that she would contact me by phone when the funds were in the mail. As of today, XXXX XXXX, I still have not heard from her. I 'm upset not just because of this, but also because I 've had to contact them several times since they assumed my home loan from XXXX XXXX XXXX, which I felt was a reputable mortgage company, immediately after I took the mortgage on XXXX XXXX, 2014. I do n't know why they sell of mortgages to these upstart companies, but I 'm very dissatisfied with this fly-by-night organization.
Product: Bank account or service

Hello, During mid XXXX of this year, 2016, I contacted Citibank about opening a checking account. While on the phone with a customer service representative I inquired about potential bonus offers that were available at that time. He went on to inform me that if i signed up for a Citigold checking account I would receive XXXX XXXX XXXX miles as long I completed a XXXX dollar purchase and at least XXXX bill payments via their website in two consecutive months. 
After completing the requirements I contacted citibank to ask if there system showed I had completed the requirements. I was informed that I was not eligible for the bonus, even though I was told about it by their customer service and received instructions in my welcome packet about how to obtain the miles. I was mislead by this company and they have refused my eligibility for the offer even though I was recruited to open a citigold account with the XXXX XXXX offer.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/ 2018, The Magistrate Court for XXXX County in the State of Georgia dismissed the lawsuit from Midland Funding in the amount of {$1600.00}. Midland Funding continues to report this account on my XXXX and XXXX credit report although the case was dismissed in court. I have contacted Midland Funding by writing and phone and there has been no resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS ORGANIZATION DID NOT RECEIVE MY WRITTEN INSTRUCTION NOR PERMISSION TO REPORT ANY INFORMATION REGARDING TRANSACTIONS OR EXPERIENCES AGAINST MY CONSUMER REPORT. REPORTING BALANCES, LATE PAYMENTS, CHARGE OFFS, AND/OR ALLEGED LOAN AMOUNTS CONSTITUTE TRANSACTIONS AND EXPERIENCES THAT I DID NOT AUTHORIZE, AND ACCORDING TO 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) THIS IS FRAUD. THIS ORGANIZATION HAD NO PERMISSIBLE PURPOSE TO PULL, NOR FURNISH, MY CREDIT REPORT BECAUSE, I DID NOT GIVE MY EXPRESSED WRITTEN CONSENT, SO THEREFORE, THIS IS IDENTITY THEFT ACCORDING TO 15 USC 1681b ( a ) ( 2 ). I HAVE A RIGHT TO PRIVACY ACCORDING TO 15 USC 1681 ( a ) ( 4 ), AND MY PRIVACY HAS BEEN BREACHED.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform credit bureaus that the following companies made unauthorized inquiries on my credit report. I have listed the names of the companies below, and the dates the inquiries were made.
Product: Debt collection

I recently submitted a dispute with XXXX, XXXX and XXXX about an account that was placed with you of inaccurate information that is being reported. XXXX came back and said it was Verified I can guaranteed and prove a poorly investigation was done. I haven't been notified of my rights to dispute said debt. You never reached out with an attempt to collect a debt. 

I am requesting that you provide me with the following : 1. Purchase agreement 2. Original Creditor 3. Date Opened 4. Date account was sold 5. Date of Charged-Off 6. Date of First Delinquency 7. Date of Last Payment 8. Balance
Product: Mortgage

Our former mortgage company was XXXX XXXX. They sold shell point mortgage our loan. We had been on a payment plan with XXXX was caught up. I missed our XXXX payment to Shell Point due to me getting sick. I was completely bedridden between XXXX until XXXX. After 9 ER trips I was finally hospitalized on XXXX the XXXX I got diagnosed with XXXX XXXX. After treatment started I have started on a long recovery ahead of me. We got a letter from a lawyers office from the court on foreclosure process. We tried getting in touch with the mortgage company with no luck our point of contact keeps changing. I got ahold of the lawyers office and they stated they would try and get someone to contact us with no help still. Got a letter from the mortgage company stating they would take an amount to reinstate the loan so called to pay it. After 3 hours of trying to get our point of contact got ahold of him. He took my payments info and said we were good. Then he put me on hold and after coming back on the phone he said we would have to wait on another letter for the full reinstatement amount? Time is ticking away for foreclosure.
Product: Credit reporting or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT I am writing to inform you of my dispute regarding the account listed on my credit report maintained by your company I assert that your company is subject to the arbitration agreement as stated on your company 's website, as well as the arbitration procedures provided by XXXX. 
I am fully aware of the financial implications associated with initiating arbitration proceedings, and I am extending you one opportunity to resolve this matter amicably. My settlement demand is as follows : I want to emphasize that the costs associated with initiating arbitration proceedings, including filing fees, arbitration initiation fees, arbitration deposits, and any legal costs incurred throughout the arbitration process, will be significant. As per the arbitration procedures outlined on the XXXX  website, you will be responsible for covering these costs, which could amount to tens of thousands of dollars. 
Failure to comply with my demands will result in the initiation of arbitration proceedings. I want to remind you that your continued collection activities may constitute a violation of the Fair Debt Collection Practices Act ( 15 USC 1692c ( c ) ), which prohibits communication through mediums other than mail upon request. 
I expect a prompt response within 15 DAYS, confirming your acceptance of my settlement terms and detailing the steps you will take to comply. If I do not receive a satisfactory response within this timeframe, I will proceed with arbitration without further notice. 
Please send all correspondence related to this matter to the address listed above.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate reporting of the XXXX  account ( # XXXX ) on my credit reports with XXXX, XXXX XXXX and TransUnion. The discrepancies in reporting between the credit bureaus are significant and require immediate correction or removal of this account from my credit reports. 

Inaccuracies Identified XXXX. High Credit : XXXX : {$670.00} XXXX : {$0.00} TransUnion : {$670.00} XXXX. Date Last Active : XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX TransUnion : XX/XX/XXXX XXXX. Date of Last Payment : XXXX, XXXX, and TransUnion : XX/XX/XXXX These discrepancies, particularly concerning the high credit and date last active, indicate inaccuracies in the information being reported by each bureau. 

Violations and Impact The inconsistencies in the reported information violate my rights under the Fair Credit Reporting Act ( FCRA ) and have caused undue harm to my credit profile. Such inaccuracies can negatively impact my credit score and financial standing, potentially leading to denials of credit or other financial difficulties.

Applicable Laws and Regulations 1. 15 USC 1681e ( b ) - Accuracy of Report : Credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual. The discrepancies in reporting violate this standard.

2. 15 USC 1681i ( a ) ( 1 ) ( A ) - Reinvestigation of Disputed Information : Requires consumer reporting agencies to conduct a reasonable reinvestigation when a consumer disputes the accuracy of information.

3. 15 USC 1681i ( a ) ( 5 ) - Treatment of Inaccurate or Unverifiable Information : Mandates that if disputed information is found to be inaccurate or unverifiable during a reinvestigation, it must be promptly deleted or modified.

4. 15 USC 1681s-2 ( a ) ( 1 ) ( A ) - Responsibilities of Furnishers of Information : Prohibits furnishers from providing information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate.

5. 15 USC 1681s-2 ( b ) - Duties of Furnishers of Information Upon Notice of Dispute : Requires furnishers to investigate, review all relevant information, and report the results to the consumer reporting agencies.
Product: Credit card or prepaid card

The company sent me an email indicating they are closing my account onXX/XX/XXXX based on information reported by XXXX. I called the discover and told them that it 's inaccurate and I have proof to prove it and that XXXX stated they have 30 days to remove it. I asked Discover how can they close my account with inaccurate information and the representative by the name of XXXX stated they can because this information is showing now. I asked if I can provide the verification showing it 's accurate she stated no ; once it 's closed its closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. 

XXXX XXXX  : Account number XXXX Credit Account XXXX XXXX : Account number XXXX Credit Account XXXX XXXX XXXX Account number XXXX Credit Account XXXX XXXX XXXX : XXXX Credit Account XXXX XXXX XXXX XXXX XXXX XXXX  : Account number XXXX Credit Account Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

Ive attached a copy of my Identity Theft Report and proof of my identity. A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnishers of that information.
Product: Money transfer, virtual currency, or money service

I attempted to schedule a transfer from my checking account to pay my credit card bill. Knowing I would receive a paycheck on XX/XX/XXXX, I scheduled the transfer for XX/XX/XXXX. I performed this transaction on XX/XX/XXXX, which is a holiday. The transfer was processed immediately instead of on the date requested, causing my account to overdraw over {$300.00}. I had planned to make a cash purchase of roughly that amount the same day or the next day. I spoke with multiple representatives and reported the error as it has happened once before. 

I asked to cancel the transfer ; I was informed multiple times this was impossible. I then asked for a cash advance so I could move the money from my credit card back into my checking account without the fee. When I was refused this, I asked for a receipt that I had initiated the transfer for XX/XX/XXXX. I was not provided this. I later asked a second time and was ignored again. I was told repeatedly that my credit card was set up as overdraft protection, to which I responded that I needed to pull money out of an ATM on XX/XX/XXXX and overdraft protection would not help me with that. 

I have been left with a {$0.00} balance for the week, through no fault of my own, and the bank has taken no action to correct this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been victim of identity theft for my information. I never opened the card with XXXX and my credit report had indicated that I owed them money. I have tried to contact them to correct and XXXX denied me for the correction and said once I called in the ask about that which means I am be aware of debt and also debtor which they dont disclose information about my information. The information is never corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This company, XXXX XXXX XXXX, is reporting late, yet it is open and the balance is {$8900.00} as reported. Lets fix this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update this complaints.
Product: Debt collection

I have received numerous phone calls threatening to sue me atleast 7 times a week, MCM ( Midland Credit Management ) called my family telling them they were going to sue me using threatening language that I find abusive. I do not appreciate my information being shared with others and this clearly violates my rights.
Product: Debt collection

All collection accounts and charge off accounts have {$0.00} balances. Each collection agency agreed to contact the bureaus and request the accounts be removed from my credit profile. It has been over 45 days and the accounts have not been removed and several balances have not been updated.
Product: Credit reporting or other personal consumer reports

I've completed an Identity theft report and contacted Equifax, XXXX and XXXX to remove un known inquires
Product: Debt collection

All 3 credit bureaus are reporting an account with XXXX that does not belong to me. I never have had nor do I currently have an account with XXXX. 
Credit bureau account numbers XXXX. 

NOT MY BANKRUPTCY - UNVERIFIED ACCOUNT - DELETE IMMEDIATELY NOT MY ACCOUNT. Please remove from all 3 bureaus. I have sent this latter attached to them last month, asking for them to remove this charge from out account that is not mine.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, someone accessed my PayPal account, attached a credit card to my account and withdrew {$500.00} and {$220.00}. 

I have notifications turned on and was informed of the transactions when I awoke. i called PayPal ( I was in XXXX XXXX at the time ). They activated their process on XX/XX/XXXX, and sent me an email with the following information. 
-- -- -- -- -- -- -- -- -- -- -- Transaction ID : XXXX Transaction date : XX/XX/XXXX Transaction amount : {$500.00} USD Recipient email : .. 
Transaction ID : XXXX Transaction date : XX/XX/XXXX Transaction amount : {$220.00} USD Recipient email : .. 
If we confirm the transaction ( s ) were unauthorized, we 'll refund you the full amount. Well also reverse any unauthorized activity or assist you in restoring your account. 
-- -- -- -- -- -- -- -- -- -- -- On XX/XX/XXXX, they sent me an email " Case update : XXXX '' stating Hello XXXX XXXX, We 've determined the payment ( s ) in question were unauthorized and have refunded the full amount. 

Here are the transaction details : Date : XX/XX/XXXX Transaction amount : {$500.00} USD Date : XX/XX/XXXX Transaction amount : {$220.00} USD On XX/XX/XXXX I inquired about when the funds would be restored to my account and they replied ( vaguely ) the next day. 
-- -- -- -- -- -- - We 've sent you a reply to your inquiry This reply can be found in your Secure Message Center Visit the Secure Message Center -- -- -- -- -- -- -- - The reply was a generic 'when you 're due a refund ' message that outlined that it took various amounts of time to get funds ( back ). 

It is now XX/XX/XXXX and they still have not restored the {$720.00} to my account.
Product: Credit reporting or other personal consumer reports

I disputed an sent a letter to XXXX Credit Bureau to remove all inaccurate reporting between XX/XX/year> & XX/XX/year> an ask them to remove all derogatory remarks an inaccurate information and they are still reporting inaccurate information on my reports.
Product: Checking or savings account

Today i tried to access my account online with XXXX bank, but all of a sudden i can't access the account because i have a different phone number. Now all of a sudden i can't access my bank account with them. Then after i update my phone number, i have to wait 14 days. I have been accessing this account with my user id and password. So i think they have been paid off by the XXXX  that have vandalized my cars and that have hacked my phones and have been doing other XXXX  activity like paying employees of businesses to give me a hard time like what fifth third bank is doing.
Product: Mortgage

I got a heloc from Figure Lending. 
I have been paying for over a year now. 
When I looked recently my principle has stayed the same. 
My monthly payment is XXXX. Dollars. 
When I asked them why my principle has not gone down they told me the only way is to make extra payments because the XXXX a month only covers the interest. 
That's extreme. 
The original loan amount was XXXX. 
The current ballance is still XXXX. 
About 18 months of payments.