23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to REMOVE some of the erroneous items in my credit file ; however, there are still many inquiries that need to be DELETED. The 3 credit bureaus must verify these inquiries under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed inquiries be deleted immediately. 

XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry:XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Account XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XXXX XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry XXXX XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

Around about XX/XX/XXXXXXXX XXXX XXXX I went into the bank for two purpose. 1th cash a check, a check I thought was from an employer, for XXXX 2nd to open a separate account so my funds and the business funds would not be in the same account. Upon arrive the bank manager was training an new employee, so she assisted in opening this account for me. On about the XXXX of XXXX said employer requested I send XXXX via XXXX XXXX for said alleged equipment for work. I sent out XXXX, I was busy so I couldn't send out anymore on that day. On the following day which is Sunday, XXXX employer XXXX wanted me to send out another XXXX to an supplier via XXXX XXXX. On that same day said employer requested another XXXX via XXXX XXXX my bank rejected the request so the said employer requested XXXX via XXXX XXXX. I deposit a check for XXXX thinking it was from an employer. ( scammed ). I sent out XXXX dollars and requested a cashier check for XXXX. After finding out from my bank that the check had bounced that is when I found out I was scammed. I was able to stop a XXXX payment. I went in person to put a stop payment on the cashiers check because I didn't want the scammers to get the check for XXXX. The bank stated that they could not put a stop payment on the check for 90 days. I was angry. I stated why not? the stated that was their policy, I asked can I see that policy. The stated that they couldn't show me that policy. I asked for a regulation or policy stating that I couldn't cancel that cashiers check. No avail. After the officer took my report. I waited a couple of weeks and went to the to take the cashiers check and receipt to have the bank take that off of the balance. Although the bank states the the cashier 's check is part of the funds owed to the bank they refused to take the funds off the account or cash the check. I have a cashiers check for XXXX that was brought with XXXX check and the bank claims that they can't reduce my bill. The bank already took the money I have in two separate accounts to pay on this bill closing out both and took additional money coming into my account. Now I have no job I can't pay my bills such as stand by cash which is a loan with the bank. I had to find another way to get my SSDI so I could pay my basic bills. I had just cleared up my credit.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : Upon reviewing a copy of my credit report, I have identified certain item ( s ) that are inaccurately reported : 1. violation of section 604 15 USC code 1681B. Please remove from my credit report XXXX XXXX XXXX  Account Number : XXXX Please remove this inaccurate information from my credit report.

2. The status is incorrect for the following account XXXX XXXX XXXX  Account Number : XXXX Please remove this inaccurate information from my credit report.

3. violation of 15 USC 1692g. Validate this account. You have 30 days to verify if you fail to this must be deleted. 
XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report.

4. violation of 15 USC 1692g. Validate this account. You have 30 days to verify if you fail to this must be deleted. 
XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report.

5. The status is incorrect for the following account XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report.

6. Violation of 15 U.S. Code 1681b - Permissible purposes of consumer. Delete immediately. 
XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

7. The status is incorrect for the following account XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report.

8. violation 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. Delete immediately XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Please remove this inaccurate information from my credit report.

9. violation of section 604 15 USC code 1681B. Please remove from my credit report XXXXXXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 


In accordance with the Fair Credit Reporting Act, I hereby request that you conduct an investigation into these items and promptly remove them from my credit report. I understand that it is your responsibility to verify these items with the relevant creditor. Any information that can not be verified by the creditor should be deleted. I am aware that, as per 15 U.S.C. Sec. 1681i ( a ), you are required to complete this reinvestigation within 30 days of receiving this letter. 

Please provide me with an updated copy of my credit report, free of charge, to the aforementioned address. Additionally, I kindly request that you notify any recipients of my credit report within the past six months about the corrections made. 

Thank you for your attention and assistance in resolving this matter. 

Yours sincerely, XXXX 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 USC1681. 

XXXX XXXX and XXXX XXXXXXXX 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. 

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

Our mortgage was bought out by this company in XX/XX/2018. All of our information had been transferred to them including our automatic withdrawal. So on XX/XX/XXXX, they finally took out a payment. And again 2 weeks later. Towards the end of XXXX I changed our ACH date from the XXXX to the XXXX. I changed that date online and also over the phone. So on XX/XX/XXXX I noticed a payment pending through my bank which was not supposed to be there. I called the mortgage company and asked them why it was pending when the dates had been changed. The man then informed me that I not only had a payment coming out on the XXXX, but the XXXX as well. Obviously I can not make 2 house payments within a few days from each other. Keep in mind that our payments have always been paid on time with no issues. So the man said we would need to stop one of the payments and would have to do so with our bank. So I called the bank and had to pay {$36.00} for a stop draft. Well the payment didn't come out. Good news there. So on the XXXX, we did not have a pending mortgage payment. Confused because I was told it would come out. So I call the mortgage company. The same man I spoke to that told me to stop a draft, ended up answering the line. I asked if there was going to be a payment taken out and what was going on. He then informed me that because I stopped the XX/XX/XXXX draft, that the bank sent them a notice of non sufficient funds ( which I checked with my bank and according to them never happened ). So because of that I was to send my house payment via cashiers check, money order, or XXXX pay for the next 6 months. So on XX/XX/XXXX I went to my bank, withdrew {$1600.00}. I sent this company {$1600.00} and paid the {$10.00} fee to do so through XXXX. My mortgage payment is {$1600.00}. The XXXX employee said that it could take up to 3 days to process this payment. So on Monday the XXXX, I checked my account with the mortgage company. It went through already. BUT, they also took out my payment through automatic withdrawal from my bank. They did so on the XXXX. The day it was supposed to come out, the same day the man said they could no longer do that, the same day he said I would have to pay this months house payment another day. I paid {$3300.00} in 2 days. My bank account is now over {$1000.00} in the negative and I have an electric bill pending, and ( 2 ) {$32.00} non sufficient fund fees. They said they needed proof that the money came out, even though they said they could see it on their end, and proceeded to tell me that it will take 2 weeks to refund one of those payments. I have XXXX kids, a pending electric bill that is now not going to get paid, and other bills as well. And they have absolutely no sympathy, when this was their fault. These are HORRIBLE PEOPLE and this is a HORRIBLE COMPANY. They are not even accredited with the BBB and they even have a D- rating. I can see why. All they have done is XXXX us and I know we are not the only ones. BEWARE OF SELENE FINANCE. DO NOT TRUST THESE PEOPLE WITH YOUR HOME!
Product: Mortgage

I did a Mortage Assistance application after being denied 3x for forbearance because they said I exhausted my time when I used it during COVID-19 being laid off in XXXX. I'm currently unemployed and did the mortgage application on XX/XX/XXXX, XX/XX/XXXX. I have sent the requested documents to the email they gave and no avail and have been calling over a dozen times to get information. I keep on being told different information and not allowed to speak to someone in loss mitigation that potentially can help me. I have sent the requested documents several times and keep getting conflicting information including they have not received anything. I'm only asking for 2-3 months to get caught up as I start back to work f/t next week. The communication is horrible I have to verify and keep telling customer service reps that are clueless and have to repeat my story over and over like already over 50 times. This is very aggravating, stressful, and can't even sleep. I need help!!! And now all of a sudden after speaking with someone I can't access my account online. It's blocked. They won't even email or call.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX, and XXXX is constantly fraudulently reporting accounts on my report inwhich I HAVE NO CONTRACT WITH, I have repeatedly disputed these accounts all to no prevail. The constant harassment and XXXX hardship only would lead me to suing this companies. Never once have these reporting agencies nor the companies they represent brought forth any physical documentation that shows that I have a verified account/ contract with the following companies, ( 1 ) XXXX XXXX XXXX , {$900.00}, ( 2 ) XXXX XXXX XXXX , {$1000.00}
Product: Debt collection

XXXX and XXXX  continue to report a debt that is not mine. I have reached out to them previously and the account was deleted and now its back on my report. According to 18 USC 8 debt is the obligation of the United States. Furthermore under 15 USC 1681 ( a ) ( 4 ) a consumer has a right to privacy. Even if the account was accurate it shouldn't be furnished without my consent. 1681 ( b ) ( 2 ).
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attention to this issue. Attached you will also find my ID as proof of my identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 302 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 or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX XXXX XXXX XXXX Account Name XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX  # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX  # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX  # XXXX XXXX XXXX : XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXXXX  XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXX  account with account # XXXX opened on XX/XX/XXXX and a balance of {$14000.00}. 

XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$2700.00}. 

XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$6800.00}. 

XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$5500.00}. 

XXXX XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$20000.00}. 

XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$3000.00}. 

XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$100.00}. 

Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$1800.00}. The original creditor is XXXX XXXX XXXX  XXXX. 

XXXX  XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$2700.00}. 

XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$5900.00}. 

XXXX XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

XXXX  XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

I could not apply for a home loan because of the negative items I have on my credit report.
Product: Mortgage

I have been trying to work with Essex Mortgage to try and get some payment mitigation options since I am unemployed and have no income at the moment. The company may have the worst customer service of any company I have ever dealt with. I sent an application in for relief, after the online application would not work. 

No one ever contacted me to discuss what my options were and finally after badgering them for information and having my credit drop XXXX points I was told I had an unemployment forbearance and that I would have to pay the money back for the 3 months I owed. I have since asked to have someone from Loss Mitigation contact me. I even messaged the president of Essex Mortgage, XXXX XXXX on XXXX to get some help. All he did was turn me over to Customer Care ( which 99 percent of the time sends an email with no name on it or number to contact the person that calls ) .He did not even apologize for the issues I was having as noted below. Also he did not pass the information to the right people. 
XXXX XXXX XXXXXXXX XXXX I have passed your message to the correct people. 
Give me your loan number address and phone number. 

I never received any correspondence in the mail stating that the forbearance was approved etc and what the terms were and frankly with no income or unemployment money and knowing it would destroy my credit I never would have agreed to it. 

I can not get anyone to contact me to see if there are any other options like a deferment of payments or a repayment plan over time etc. It is ridiculous that a business is run this way. It is almost like it is on purpose. I will also be complaining to the FHA and the Mississippi Attorney General 's Office. I have tried to work in good faith with them but have had to contact upper management that has not been much help honestly.

I am still paying my 2nd mortgage with them on time also with them and never missed a payment prior to XX/XX/2023. I am just asking an actual human to email or call me on the phone that can actually do something in regards to my loan instead of just telling me the same thing over and over. I will be contacting an FHA counseling service in my area as well and seeing if I can get the FHA involved and others. It should not be this difficult to get some help. I will be seeing if I can apply for a grant also although it looks like I missed the deadline for Covid money by a week. I was actually laid off 18 months ago and have been able to pay the mortgage with help from my Mom and selling personal possessions etc and working a 3 month project during that time. If I had know help was available I would have sought it out. Just looking for an amicable resolution to this for all so I can keep my home and pay the money back that I owe.

I have exhausted all avenues with trying to work with them. Thanks in advance for your help and God Bless. I was unsure of where else to go. I will need an extension on my forbearance also since I am not working an unsure of the payment parameters or other options that were never given to me.
Product: Checking or savings account

I tried to withdraw some money from my Marcus Savings account and it didnt go through. I called a representative, he said he has no idea when it was locked, why it was locked, and that in 3-5 business days I should have an answer. totally unacceptable, I wanted to close my account and move my money elsewhere, he repeated the same information again. 

Additionally I got no notice that my account was locked either.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2017, DISCOVER BANK added a derogatory mark on my credit report per XXXX. Upon further research, this charge-off does not belong to me and should not be reported on my credit report. The debtor 's creditor did not verify this Account. Also, there was NO written form of communication, contract, or writing signature for this accused debt at all. According to the FCRA, DISCOVER BANK has violated my rights as a consumer, and I'm requesting legal action to remove this account immediately.
Product: Debt collection

I was never contacted for an debt to the total amount of {$550.00} that I allegedly incurred for service provided on XX/XX/2017. 

I have contacted the medical provider who claims to have submitted the debt to a collection agency but I have not received proof of claim, notification of debt collection, or notification of right to dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts below are reporting on my personal credit file with EXPERIAN. These accounts were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The data furnisher are not complying with federal law in regards to identity theft. Additionally, the data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the accounts removed from my file. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX