23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We purchased our home in XXXX with the mortgage originally serviced by XXXX, XXXX and XXXX which was sold to XXXX XXXX XXXX in XXXX - and never reported late by either company. 
With XXXX XXXX XXXX, we were not considered late until the XXXX of the month. We paid no later than the XXXX of each month. 
The mortgage was sold to Selene Finance who has reported us as being 30 days late on multiple occasions. We have attempted to pay within the 15 day window via their website - which regularly throws error messages or logs us out. I 've worked as a XXXX XXXX for more than 10 years and can say without a doubt, it is the most poorly constructed public ecommerce site I have ever encountered. We have called them on several occasions and are told that we are on the same pay schedule as when XXXX XXXX XXXX serviced the loan and to " pay just as we did before ''. 
We receive threatening statements in the mail stating that we owe a " corporate advance '' of {$1000.00} in addition to our regular payment - yet when we log in to selenefinance.com our account appears to be current. 
I am requesting that Selene Finance remove all delinquencies from my credit report and stop mailing threatening statements with erroneous charges.
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 have reached out to Equifax Credit Bureau last XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. THE LATE ACCOUNTS ARE STILL FOUND AND NEED TO BE UPDATED COMPLETELY FROM MY CREDIT REPORT : XXXX/XXXX  XXXX Balance : {$720.00} XXXX  XXXX  XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). Please verify that all accounts are XXXX percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Below is the letter I sent them : XX/XX/2023 Synchrony Bank XXXX XXXX XXXX XXXX, PA XXXX To Whom It May Concern : I recently received a letter denying a credit card ( copy enclosed ). The reason for said denial was as a result of information you received from XXXX. That information indicated I have an identity theft risk. Also, enclosed is a copy of the page from XXXX indicatingXXXX under Address Match & Potential Fraud Alert. 

It appears your decision to deny the XXXX credit card, which by the way, I do not want, was inconsistent with XXXX report. As such, I have no complaint with XXXX. 

I believe my credit rating has been negatively affected by this contradictory information and am requesting an explanation and correction to my credit records. 


Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX Bank
Product: Checking or savings account

Thursday XX/XX/2020 I went inside Comerica Bank located on XXXX XXXX XXXX XXXX, Tx XXXX to withdraw some funds from my account for rent. Unfortunately, they put a hold on my account, and put it under review due to XXXX  deposits so I wasnt able to withdraw money from my account. I called corporate Friday XX/XX/2020 and the lady whom Ive spoken to told me it would be cleared Saturday XX/XX/XXXX or Monday XX/XX/2020. Saturday, I went to the Comerica Bank I originally opened with which is located on XXXX XXXX XXXX XXXX, Tx XXXX. I spoke with someone there and she told me my account was off hold and I was able to withdraw funds from my account. I withdrew {$1000.00} from my account. I left and tried to swipe my card at XXXX to get my babies something to eat and they declined it. I tried to log in to online banking they told me I had the wrong password. I went inside Comerica Bank today, Monday, XX/XX/2020 to see whats going on. The lady whom Ive spoken to Saturday, told me yet again my account was good. I asked her if I could withdraw some money she told me yes. I went over to the teller and she says she has to get the amount approved by the supervisor. They called to verify and saw that the same bank froze my account yet again for the very same reason which was the same review from Thursday and told me I couldnt withdraw any funds from my account. Since the previous review no new deposits were made. Im making a complaint because, they cleared my account Saturday XX/XX/XXXX and allowed me to withdraw from my account and they froze it again Monday XX/XX/XXXX after no new deposits or transactions were made as of Saturday XX/XX/2020.
Product: Money transfer, virtual currency, or money service

I filed for Unemployment Insurance via the California Employment Development Department. According to my account, I started receiving payments in XXXX, and according to my last conversation over the phone with a Money Network representative, a card was issued to my address 2 weeks after I filed.

According to a Money Network representative, the card was mailed to my address. However, I never received the card, and there is no record of the USPS sending it to my address as I receive scans of every mail and package through their customer XXXX XXXX email service and there are no records of any letters coming from Money Network addresses between the days in which the card was issued, and the dates in which four unauthorized transactions occurred from the account associated with that card.

So, I filed a dispute with the Money Network. On the letter I asked them to send me a check for the money that was stolen from me. I received a letter from them stating they made an error and sided with me. However, their letter did not include a check. And apparently, they sent me a replacement card for the one that was stolen. I waited two weeks to receive the card. Nothing came up on my mail again. I called the Money Network again, and guess what, the replacement card was stolen.

So, I am going to file another dispute and I requested that I receive a paper check. I have started this process, but still waiting. However, I believe the Money Network is running an operation from the inside, before cards even reach the USPS system, and I really believe they are stealing money from thousands of XXXX recipients.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompted me to check my credit report. These items listed are not mine and need to be deleted from my credit report. XXXX XXXX {$36000.00} XXXX XXXX XXXX XXXX {$530.00} XXXX  XXXX {$710.00} XXXX  XXXX XXXX  XXXX {$2400.00} XXXX  XXXX XXXX {$2300.00} XXXX XXXX {$630.00} XXXX/XXXX   XXXX {$470.00} XXXX  XXXX  XXXX {$1100.00} XXXX  XXXX XXXX {$600.00} XXXX  XXXX  XXXX {$510.00} XXXX   XXXX {$0.00} XXXX XXXX XXXX XXXX {$560.00} XXXX/XXXX  XXXX   XXXX {$350.00} CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX {$0.00} XXXX/XXXX  XXXX {$580.00} XXXX/XXXX  XXXX {$340.00} XXXX  XXXX {$3500.00} XXXX/XXXX  XXXX {$0.00} XXXX XXXX XXXX XXXX {$93.00}
Product: Mortgage

In XX/XX/XXXX I received notification from Truist that they no longer accepted my homeowners insurance company due to a third party 's rating of that company. They forced me to find new insurance. This insurance company has insured my home since I purchased it in XXXX. Truist bought my loan and accepted my insurance company when they became my mortgage company. I had no choice in his decision. I called Truist to complain and a telephone operator told me I should be thankful I don't live in Florida because homeowner 's can't get insurance there. It had nothing to do with my situation, however it is very difficult to get insurance in California. My options were very limited. I requested Truist sell my loan to another company who would accept my insurance company and they refused. They told me I would have to re-finance the loan, at three times the interest rate I currently have, and it was possible that Truist would again become my mortgage company. Truist has XXXX financial interest in my house. I have a XXXX interest. Somehow they are telling me to find a new insurance company and I have no say in the matter. This is a bully tactic. I didn't choose to do business with Truist. They chose to do business with me and my insurance company, only to suddenly have a change of heart. It's pure deception on their part.
Product: Credit reporting or other personal consumer reports

I've reached out to the company through numerous phone calls and letters to address this issue. In light of cyber attacks affecting the company and others, I specifically requested the removal of inquiries not linked to an open account from my credit report. I also provided details about several data breaches involving my information. Equifax data breach I received a XXXX XXXX
Product: Mortgage

Seteres some how got our loan. Me and my husband got divorced. I got a letter stating that on 2 occasions my signature was forged. I requested copies of forgery which I gave the address I needed them to go to and also to be faxed to the XXXX Illinois Police Department. They never faxed my request and they sent the documents to my x. So the police did nothing. Then they closed and I have still been trying to get the forged documents. Mr. Cooper supposably took our loan and I requested the documents from them. But they claimed that Seteres didnt give them those documents. I figured out who forged my name. And now I am going to file a suit. But at this point I am so tired of waiting forever. I need to put this behind me. My name is XXXX XXXX XXXX my home was XXXX XXXX XXXX XXXX XXXX Illinois XXXX. XXXX. I also received a gift of equity from my parents for the house which I was to receive back. In Illinois a gift of equity goes back to blood relative. Of course everything of my divorce and sale of the house took everything from me. I still need these documents
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX. I tried to get it disputed but XXXX told me to call XXXX, XXXX told me to call the company that was listed they couldnt find no account with my name, number, social security nothing. Its lowering my credit And I have no knowledge of this remark on my XXXX XXXX   report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir, I have closed my individual XXXX credit card on XX/XX/2018 by paying off complete balance amount to XXXX. My closed Individual credit card information is missing in the Equifax credit report since XX/XX/2018. I have communicated to Equifax about this card, right name and address along with various details. I have also communicated to XXXX Credit Card Company to update the right status of closed credit card to all credit bureaus and also Information/Grievance is part of the CFPB records. XXXX has responded to me and CFPB that XXXX credit has been paid and closed with XXXX balance on XX/XX/2018 and also XXXX has communicated to all the credit bureau that my credit card is closed on XX/XX/2018 but this information is missing in the Equifax Credit Report. I have only used XXXX credit card for my purchases [ all my transactions are part of the statements ] and used as normal credit card and I never ever used any kind of benefits from XXXX. 
Could CFPB kindly direct Equifax/XXXX to update my closed XXXX  credit card details in my credit report, which has been missing since XXXX. My closed individual XXXX credit should be part of the records for next 7 years.Its unlawful and fraud for removing my closed credit card details from my credit report.
Product: Debt collection

I have spoken with multiple associates of RS Clark & Associates. I have asked them multiple times to send me debt validation and they have stated that they sent it to me once and would not send it out again. I never received anything to my address which they stated they sent to and they have claimed that I have lied about not receiving the letter. They call me almost every day. XXXX times I have had to ask them not to call while I was a at pediatrician appointment with my premature baby and they still called back again. I do not understand why they keep calling me after I asked them not to call me until they sent me a debt validation letter. They claim I owe XXXX XXXX {$200.00} but have refused to send me any debt validation.
Product: Debt collection

Ive been contacted continuously almost daily about how much money I owe repeatedly the most recent dates XX/XX/year> XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} - CHARGE OFF XXXX/XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} - CHARGE OFF XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1800.00} - COLLECTION
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX last week XXXXXXXX XXXX XXXX  I have stressed to XXXX to stop reporting my private information and XXXX said they did STOP and they would not report to 3rd party companies or Financial institutions such as XXXX, TransUnion and XXXXand Im still seeing that its still reporting my private information as of XX/XX/2022 I told them Pursuant 15 usc 6801 that I have rights to my personal information being shared to Financial institutions.
Product: Debt collection

My mortgage was serviced by XXXX XXXX XXXX XXXX  when foreclosure was initiated on XX/XX/XXXX. XXXX XXXX  XXXX, XXXX was assigned the mortgage in XX/XX/XXXX. The mortgage was later foreclosed, following a foreclosure sale of the property, on XX/XX/XXXX, according to court records. The fair market value at the time of the sale was approximately XXXX and the property sold for XXXX. The property was sold to XXXX XXXX XXXX ( the previous beneficiary ) as trustee of XXXX XXXX XXXX XXXX on that date. 

XXXX reported the foreclosure on my credit report and noted that the account had been transferred/redeemed/foreclosed on XX/XX/XXXX. This is where I believed the foreclosure saga had ended, factually and legally. In contrast, records sent to me from XXXX in late XXXX indicate that XXXX maintained an account in my name on behalf of XXXX XXXX XXXX and charged in excess of {$50000.00} for various home improvement, cash keys bonus, trash pickup, and other charges between XX/XX/XXXX and XX/XX/XXXX. 

Apparently, XXXX bought all of XXXX 's debt or loans sometime in XX/XX/XXXX. XXXX sent a welcome letter to me demanding payment for {$62000.00} on XX/XX/XXXX. The welcome letter also stated that the loan was being serviced on behalf of XXXX XXXX XXXX. I did not timely receive the letter owing to my own fluctuating living circumstances. 

In XX/XX/XXXX, I received two XXXX for the property ( XXXX XXXX XXXX ) : a XXXX from XXXX discharging {$200000.00} and a XXXX from XXXX canceling debt in the amount of {$94000.00}. ( See Attachment A. ) When I first reached out to XXXX  inquiring about the XXXX and why they were reporting discharged debt, I received a letter stating that the XX/XX/XXXX letter demanding payment was sent to me in error and no amount was owed to XXXX. ( See Attachment B. ) I followed up with the customer relations official named and certified on the letter, but she offered me no help or guidance on the XXXX itself. 

A year has passed and I am still attempting to get a corrected XXXX from XXXX. I called customer relations on XX/XX/XXXX asking for a corrected XXXX. I sent the letter to another official in customer relations, as she demanded proof for the fact that XXXX had previously informed me that no amounts were due to the company. In response to my XX/XX/XXXX dispute and request, XXXX ( D/B/A XXXX XXXX ) sent a letter indicating that it would not issue a corrected XXXX and that records indicate that a remaining balance due on a loan in the amount of {$210000.00} was cancelled on XX/XX/XXXX. That remaining balance is allegedly {$94000.00}, which is reflected on the XXXX. 

As a result of two mortgage lenders claiming that they discharged debt on one mortgage for one property ( a property that sold to a third-party for {$240000.00} on XX/XX/XXXX XXXX, I am facing a tax liability of nearly {$25000.00}. I am going to pursue insolvency for tax purposes, but I am in no way accepting liability for XXXX 's alleged debt discharge. And, I am submitting this complaint today to shed light on these practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an auto lease with XXXX XXXX  XXXX I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a terrific payment record with this company. I tried contacting the XXXX and XXXX Credit Bureaus with no successful resolution. There was definitely an error on their part. Investigate and update the current status to reflect accurately. Account : XXXX XXXX  XXXX Date opened XX/XX/2006 Balance {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXXXXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$16000.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. XXXX XXXX number # XXXX, Account number : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX. XXXX XXXX XXXX number # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

in according to fair credit reporting act XXXX account # XXXX has violated my right 15 U.S.C 1681 section 602 A state have a 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

I looked on my account in the end on XX/XX/XXXX when I got a email stating my score changed. I went on and found Transworld Systems ( TSI ) had put a supposed debt collection on my XXXX report. It stated the account was opened in XX/XX/XXXX although it didn't show on my report until XX/XX/XXXX. It shows it is some kind of medical debt although I have insurance and haven't been without insurance since I was a child. I also did not visit the doctor in XXXX other than an urgent care. The debt total is {$1000.00}. I find this interesting because some time ago my husband had a medical bill go into collection with them totaling {$1000.00}. Which was open on false pretenses. The bill was paid through charity care and should never have gone into collection in the first place. We also got some kind of letter from TSI. It was unclear what the name was as it had a XXXX and our last name, but didn't make up a full name. We just assumed they were trying again to get my husband to pay so we sent a letter with his info on XX/XX/XXXX through certified mail. The certified postcard was signed and sent on XX/XX/XXXX. We didn't even consider me as I hadn't been to the doctor and the debt total was the same as what they tried to collect from my husband. After it showed up on my report I sent a letter also on XX/XX/XXXX through certified mail also. The certified postcard was signed and sent on XX/XX/XXXX. The only thing I can come up with is TSI is trying to get their money they paid to purchase the debt, which we do not owe them and never did. We thought this was resolved after it was removed off my husbands report. But it shows now on mine. We contacted them and asked them to remove the debt but they have not sent anything back in response. It has now been 2 months and it is still on my report! I am also curious how did they get my information?! Please help us!
Product: Debt collection

I recently noticed an account listed on my credit report by a company XXXX XXXX for the amount of {$680.00} for service in 2015. There are several issues with this account, the first being that I was unaware of the account, and secondly the amount of the account did not make any sense as the bill clearly did not take into account health insurance. At the time that the service was to have taken place in 2015 ( I am unsure of the exact date as I have no correspondence with the company ), I was covered under the military XXXX XXXX plan as a dependent ( military spouse ). This is why this is completely confusing regarding the amount sought. Also, the account was not on my credit report prior, it was only listed recently and no correspondence was sent to me. This company is attempting to make me pay a medical bill in full as if I did not have medical coverage, but I did in fact have medical coverage. I have tried to contact the company with the number listed on my credit report, but every day the company is closed and only have a voicemail for customers to leave messages on. There is no company hours listed on their website, which conveniently only has the option to make payments. This company has two numbers listed on XXXX, but neither one works. I am confused and frustrated and trying to resolve an issue but I can not seem to get in contact with the party in question to do so. I am not trying to get out of paying the debt if it was for my service, I am simply asking for it to be the correct amount that it should and not my being charged as someone without insurance as I am not. This company has history of incorrectly billing people who have insurance and I do not want to be added to the long list of unhappy consumers. Check XXXX for proof of that.