23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Selene Finance continues to try and conduct an illegal foreclosure to cover up the errors made by their own agents. I can document this information and am currently dealing with the legal department at XXXX XXXX in an attempt to straighten this problem out, but am facing a foreclosure sale date of XXXX XXXX. Selene Finance continues to insist that I received a deferment on my loan in the past, thus I am not eligible for another or for any options. This is false. In the spring of XXXX I applied for a loan modification from XXXX XXXX, who was the servicer at the time. I explained that my ex-wife was on the note, but she had deeded over her interest in the property. They said she would not need to sign the modification as long as I sent them a copy of my divorce decree and her deed of trust. I did this and they received them. They never asked for nor received any financials from her. They set up a modification plan and told me I needed to pay the payment for 3 months to show I could afford it. I did this and they told me I needed to keep making this payment until they got the final paperwork done for the modification. This took 2 more months and I made 2 more payments. When I received the final modification documents they had my ex-wife 's name on them as a co-signer. When I called to tell them this they said I should whiteout her name and sign the documents. I did this and made 1 more payment, and then they called and said the modification could not go through without her signing on it. She refused to sign and so the modification was canceled. When Selene took over the servicing and started the foreclosure process I asked why the almost {$9000.00} in payments had not been credited as payments and they said since the modification did not go through these were not considered payments and Selene Finance just kept the money. Not only is it unethical to accept payments and fail to apply it to my account, it is illegal. XXXX XXXX agreed on a modification, then went back on their word and took it away. The servicing was transferred to Selene Finance and they kept the almost {$9000.00} in payments and refuses to give an accounting of these funds or apply it to my balance.
Then Selene Finance tells me one of the reasons I am being turned down for a loan modification is because I already had a deferment on this loan. This is just one more reason Selene Finance should be required to give a modification and be punishedI am not surprised, since Selene Finance has already been fined by the government for unethical behavior. Selene Finance has repeatedly tried to set an auction date. I sent all of the required paperwork in, but they said they would not review it because it came in too late. At this time I am trying to work with the foreclosure law firm for Selene Finance, but dont feel good about it and am concerned they will sell my house out from under me, even though I clearly qualify for help and was misled by the agents at XXXX and Selene Finance
Product: Credit reporting, credit repair services, or other personal consumer reports

I called EXPERIAN on XX/XX/2022 at XXXX to report inaccurate information from alleged creditor name by XXXX  XXXX XXXX XXXX The alleged creditor XXXX XXXX XXXX is a third- party collector which is a violation of 18 U.S.C . 1028A AGGRAVATED IDENTITY THEFT, which is lawful to contact a third party with my private and personal business. I, the consumer never gave EXPERIAN permission to take my information. 

EXPERIAN have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. This account is not mine not is the alleged debt, nor did I have a contract to do business with XXXX XXXX XXXX EXPERIAN has failed to provide one, the consumer with any accurate validation in writing pursuant to the FAIR CREDIT REPORTING ACT, 15 USC 1681g, I expressed my right for full disclosure to me of all the documents they have recorded and retained in the consumers file at the time of requested concerning the alleged account to support EXPERIAN claims on my credit file.

Furthermore EXPERIAN has claim they are doing an investigation Pursuant to 15 U.S. Code 1681a ( e ) which defines an investigative consumer report as a consumer report in which information on a consumers character, general reputation, personal characteristics, is obtained through personal interviews with neighbors, friends, etc., who may have information of any items on the consumer file which you will have to show me proof via affidavit of fact under penalty of perjury ; Which EXPERIAN is in violation because I was not given any type of these reports in this investigation. 

Pursuant to 15 U.S. Code 1681 ( b ) The Congress requires that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, and other information in a manner which is fair and equitable to the consumer with regards to the confidentiality, accuracy, relevancy, and proper utilization of such information. As a consumer I demand you remove the accounts listed below Pursuant to 15 U.S. Code 1681b ( a ) ( 2 ) which comprehensibly states that the only permissible purposes of consumer reports by any consumer reporting agency furnish a consumer report only under the following circumstances and no other and is in accordance with the written instructions of the consumer to whom it relates.
Product: Checking or savings account

On Friday XX/XX/2020 at approximately XXXX, I had left my 2 way radio at the bank worth close to {$500.00} to establish a safe deposit box. 

I was told the bank was closing, so just left it there to resolve the issue in the morning. 

I noticed a man outside the bank on his cellular phone wearing a black suit. 

I had reported the man to the bank corporate office for releasing personal information outside the bank. 

I returned to the Bank on Saturday XX/XX/2020 and the female teller indicated that my personal information was released to the Sheriffs Department and my two way radio was given to them. 

I was asked why I had wanted a safe deposit box, and I had indicated because my Grandfather used to Bank at the Bank years ago. I was only aware that this location had a Safe Deposit Box. 

I did not give anyone permission to release my property, nor personal identifiable information to the public. 

I had asked the teller if she could get it back from law enforcement for me, but she refused to help. 

I asked for the managers card. 

The managers card indicates his name is XXXX XXXX with a NMLS : XXXX I am very concerned that this bank may be releasing information about other wearily families like mine to the public. Especially if this Bank is outside the bank talking on a cellular phone and showing property that is supposed to be in a safe deposit box. 

I know a guy named XXXX XXXX who is a XXXX XXXX and he has an account at this bank too. 

It would be good to find out if us wealthy people are getting our accounts compromised by this Bank, because this bank even lets people open accounts, that do drug activities. 

I ask that you please inform this bank on all the laws a financial institution is supposed to follow and get my equipment back to me, instead of compelling me to go to the Sheriffs department myself. 

This is completely incompetence and illegal on the banks behalf. Whoever is responsible for this branch should be terminated for these types of practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Debt collection

This complaint is in regards to FMS Financial Solutions. They contacted me as a result of a former apartment sending an illegitimate debt directly to them without contacting me first because of " insufficient notice given ''. I did not receive any communication from the company about renewing the lease so I moved out the day my lease ended. In response to FMS 's first letter XXXX XX/XX/2019, received XX/XX/2019 ), I sent a certified letter telling them that I was disputing the debt as not valid and told them not to contact me further. They responded with a letter acknowledging my request that stated " this is not an attempt to collect '' but still stated the debt that was owed. I received another letter from them on XX/XX/2019 stating that it was an attempt to collect the debt with no acknowledgement of my previous written request or my dispute of the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct.

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


TransUnion Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX ; XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

I read online that Navy Federal Credit Union had a fine imposed due to their debt collection tactics. I experienced this issue with the credit union due to initiating a short sell in XXXX. My accounts were frozen without receiving notification and then when calling the credit union to find out what was the issue not receiving immediate answers. I also received several calls and letters from the organization despite having contracted with a lawyer that informed the credit union they were to contact my lawyer and not me. The short sell was finalized in XXXX. 

Since learning of the fines imposed I have called the credit union on at least 3 occasions to discuss what type of compensation I would be receiving as I was a victim of the unethical debt collection tactics. No one knows what I am talking about at the credit union and none of my accounts have a received a credit due to imposed fines. Please assist.
Product: Credit reporting or other personal consumer reports

This complaint is filed against World Finance Co and XXXX for reporting incorrect/wrong information on my credit report. It should be known at present date and time a account under World Finance Co reporting at XXXX that was opened on XX/XX/XXXX and charged off is displaying that i had XXXX XXXX 90 days late. This account was opened in XX/XX/XXXX and closed in XX/XX/XXXX which is XXXX months. This is a typo error because XXXX ninty days late amount to 2160 days which is way greater then the full term of the account. XXXX only reports two ( 2 ) 90 days late. The number 24 is a typo error and completely wrong. A copy of my smart credit 3 bureau report is included for review so the error can been seen and corrected.
Product: Debt collection

A debt collector reached out to me to collect a debt. After I obliged to pay my debt, I gave them my checking and routing number so they can electronically debit the money from my account. After XXXX attempts, my bank blocked both attempts due to fraudulent activity. They fraudulently created XXXX checks in my name in their computer system to draw the money out of my account instead of electronically debiting my account. 

The debt collector named, XXXX XXXX, XXXX XXXX  Debt Collectors International , Inc. not only called me and would continuously harass me threatening to sue me and claimed I committed check fraud when they were the ones creating the fake checks, they started contacting members of my family. 

Highly unprofessional, harassing, and threatening behavior.
Product: Money transfer, virtual currency, or money service

On XXXX XX/XX/2020 I opened a PayPal account and on the XXXX of XXXX my funds I program to my PayPal cash direct deposit was received and I was notified sum of {$1200.00}, almost immediately even while still expecting my PayPal card which after I received havent being able to activate due to the closure I need this sorted and my PayPal released so I can have access to my funds
Product: Credit reporting or other personal consumer reports

Since XXXX of 2023 I have been trying to get negative information off my credit report including inquiries. Most accounts on my report are not mines/accurate. I have been trying every month since XXXX of 2023 to contact XXXX, Experian, and XXXX about removing negative items from my report and have not gotten any results.
Product: Credit reporting or other personal consumer reports

In my notice of dispute dated XX/XX/ ( See attached supporting document # 1 ), I notified MicroBilt of my dispute of inaccurate information in my MicroBilt Consumer Disclosure Report. Pursuant to the FCRA, 15 U.S.C. 1681 et seq., the 30-day statutory deadline for MicroBilt to reinvestigate and respond to my notice of dispute was XX/XX/. MicroBilt failed to reinvestigate and respond to my notice of dispute. In my SECOND notice of dispute dated XX/XX/ ( See attached supporting document # 2 ), I notified MicroBilt of my continued dispute of inaccurate information in my MicroBilt Consumer Disclosure Report. Pursuant to the FCRA, 15 U.S.C. 1681 et seq., the 30-day statutory deadline for MicroBilt to reinvestigate and respond to my second notice of dispute was XXXX XXXX XXXX. MicroBilt failed to reinvestigate and respond to my SECOND notice of dispute. Despite my continued efforts to resolve this matter amicably, the inaccurate information remains in my MicroBilt Consumer Disclosure Report.
Product: Credit reporting or other personal consumer reports

XXXX Credit Bureaus are reporting illegal unauthorized fraudulent transactions and charges from XXXX XXXX XXXX  as evidence of DC police report XXXX and other evidence investigations from, XXXX XXXX XXXX  and XXXX and XXXX XXXX investigations and XXXX reports Credit Bureaus ignoring all investigations and continue to report negative reporting on my credit reports from XXXX XXXX XXXX  illegally repeatedly to clouding with XXXX XXXX XXXX  in reporting negative on my credit reports.
Product: Debt collection

I HAVE ACCOUNTS THAT ARE NOT MINE CLOSED AT XXXX  XXXX XXXX AND XXXX. 

I ALSO HAVE A XXXX  XXXX COLLECTION THAT IS NOT MINE. 

FINALLY IDEAL COLLECTION SERVICES ABUSIVELY HAS ACCOUNT THAT I DO NOT OWE WITH MY WIFE AND THEY CALL ME CONSTANTLY AND HAVE EVEN THREATENED ME.
Product: Debt collection

This is a complaint from XXXX against Portfolio Recovery for Portfolio 's failure to provide requested information for the debt alleged. As of XX/XX/2017, Portfolio has been reporting an open credit account for the XXXX. On XX/XX/2017, consumer ( through XXXX ) responded with a written request for documentation, including the following : a. Signed copy of the original contact ( s ) ; b. Any notice ( s ) of assignment or receipt of sale of the debt alleged ; c. Any notice ( s ) of delinquency ; d. Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ; f. Proof that you are licensed to collect this debt in Arizona ; and g. Any other documentation which tends to show validity. 
It has been 30 days since this request, and we have received no response. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.
Product: Payday loan, title loan, personal loan, or advance loan

I placed an order on XXXX using the Afterpay app. Within minutes of placing my order, I then decided to cancel it. 3 days later, and 3 complaint emails later I am still seeing this as an active order in my Afterpay account, with upcoming payment installments. I was already charged XXXX for the first installment on this CANCELLED order. I spoke with XXXX 3 times to make sure that the cancellation went through, and they assured me each time it had. I then followed all the steps for a complaint to Afterpay ( including screenshots and emails from XXXX stating this cancellation had been processed ). 

I then received an email from Afterpay with a response that had nothing to do with my complaint. They have no live customer service phone or chat and I am very concerned I will be charged on the upcoming payment dates, as they clearly did not read or pay attention to my issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from the IRS in XXXX this year. It is a XXXX notice for tax year 2020. The letter states that a company called SQUARE , INC reported to the IRS that I made {$77000.00} income that year. Because of this I owe tax to the IRS in the amount of {$19000.00}. 

For the record, I have never worked at Square , Inc. Someone fraudulently used my social security number, DOB, and name. I contacted the IRS about it. I also asked XXXX XXXX XXXX to investigate this fraud. Square company told me they had my SSN, DOB and name, which are enough to prove my identity. I told them that with so many data breaches in recent years, this personal information is now an open secret, so anyone can get it on the dark web. I asked them to give evidence to prove that the person using my identity to make this income is truly me. Square company told me that they are not responsible for investigating this, that I need to find police to investigate this. 

Square company did not do a diligent background investigation when they hired people online. When someone used my identity to get hired at Square, it was Square that failed to stop fraud crime. Now Square continues to act irresponsibly toward victims of their negligence. 

Address of SQUARE , INC XXXX XXXX XXXX XXXX XXXX, CA XXXX tel : XXXX
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. 
XXXX XXXX XXXX Account # 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 an 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: Checking or savings account

On XX/XX/scrub>XXXX XXXX XXXX my personal checking account # XXXX at Capital One Bank was unilaterally terminated without any prior notice or explanation. Despite many attempts to obtain clarification from the bank, I have not received any acceptable response. This has caused significant distress and uncertainty regarding my financial standing at Capital One. I attempted to transfer funds from another account and was obstructed. This obstruction seems to be preventing clients from conducting transactions other than those that benefit Capital One. I do believe Capital One Bank has assumed it is a joint owner of my account based on its actions. This confusion has raised serious concerns about the management and security of my funds. Furthermore, I am concerned that Capital One Bank may be unable to meet its obligations to depositors and creditors. The value of a bank account is not solely reflected by the current balance ; it can also include other factors such as accrued interest, pending transactions and ant investments linked to the account or profit generating schemes such as fractional reserve banking. Very disturbing regarding the security of my account. Capital One Bank has used my service agreement to restrict certain actions or limit my ability to transact on my personal account. This agreement is not valid because of behavior that amounts to breach of trust, breach of fiduciary duties, insolvency, false advertising, identity fraud, and deceptive practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus have failed to comply with the FCRA section 605b and cont inuied reporting the disputed items completely from my Credit Report despite all the letters and complaints I have been submitting to the Credit Bureaus. I am frustrated by the Credit Bureaus ' course of action. I have read enough to understand my rights which is clearly being violated by the Credit Bureaus. I am inclined to taking legal actions and sue the Credit Bureaus for the damages done. I have been disputing the removal of the fraudulent items from my Credit Report for a long time, and the last letter I sent to the Credit Bureaus was XX/XX/2022 requesting yet another investigation and proofs to support the Credit Bureaus claims that the disputd items belong to me. Pursuant of the FCRA section 605b, I am urging the Credit Bureaus that they remove the disputed fraudulent items comepletely from my Credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance {$3500.00} XXXX XXXX XXXXXXXX Balance {$4600.00}
Product: Debt or credit management

I was a victim of Lexington law they were supposed to fix my credit years back I was paying money to them for 6 months and nothing changed on my report