23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

No offer to modify this mortgage before filing action for forecloser. Selene Finance violated the CFPB rules to HELP keep homeowers in their homes. 

Selene Finance is being sued for insurance fraud by XXXX vs Selene XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX XX/XX/XXXX This Loan was originated XX/XX/XXXX with XXXX XXXX, now defunct, at 7.5 % 30 yrs. XXXX XXXX took over the mortgage from XXXX XXXX. 

XXXX XXXX was servicer from XX/XX/XXXX-XX/XX/XXXX, and here is where the loan payment discrepancy occurred. 

XXXX XXXX sold servicing rights to Selene Finance ( XXXX ) XXXX, who after zero missed payments, and no offer to modify this mortgage decided to stop receiving my monthly payments at the end of XX/XX/XXXX. 

I have been battling with Selene, and their Lawyer since XX/XX/XXXX. 

My mortgage is not foreclosed at this time, and I hope to refinance with another mortgage provider to a get start fresh. 

I have the ability to pay monthly, my income is {$70000.00} per year, and have been employed with the same XXXX for 18 straight years. 

The value of my home is {$200000.00}, and the balance on my mortgage is {$150000.00}. 

I have {$51000.00} of equity in this home. This home has been in my family since XX/XX/XXXX, 40 years. 

Please offer me a new mortgage. I only want to refinance the balance {$150000.00} for 15 years. 

Thank you, XXXX XXXX, XXXX. 
( XXXX ) XXXX My FHA Case # is : XXXX Address : XXXX XXXX XXXX XXXX, VA XXXX My name : XXXX XXXX XXXX, XXXX. 

This is the information on the DEED OF TRUST that I have, and signed XX/XX/XXXX The current loan servicer is Selene Finance XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX Their Attorney is XXXX XXXX XXXX of XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX ( XXXX ) XXXX My family purchased this home in XX/XX/XXXX. I refinanced this home in XX/XX/XXXX, and have paid over {$140000.00} towards this mortgage. I want to keep this home. 

Please help! 


Loss Mitigation Services for FHA Homeowners XXXX XXXX, XXXX. 


No offer to modify this mortgage before filing action for forecloser. Selene Finance violated the CFPB rules to HELP keep homeowers in their homes.
Product: Debt collection

Back in XXXX, Capio first contacted me saying I had a debt XXXX sent to collection. I called XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX ) and they said all my bills were paid and there was no record of them every sending me to collections. I then blocked the phone calls from Capio Debt Collectors. They then tried to recontact me today, XX/XX/2023 at XXXX and XXXX XXXX with back-to-back phone calls. When I asked what it was in regards to he kept saying " a business matter '' and trying to make me state personal information before giving any more information. I know I have no outstanding debt with XXXX and they can confirm this. 

I keep blocking their numbers and they keep finding me to try to pay this " debt '' that does not exist. The number I provided was the most recent number to reach out to me.XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) said Capio is not one of the debt collectors they use and they shouldn't know my information.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 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
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, 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 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: Credit reporting, credit repair services, or other personal consumer reports

I currently have a legal team working with me to improve my credit standing. LVNV Funding LLC has placed negative, uncharacteristic remarks on my credit reports which is affecting my financial goals. The XXXX XXXX Account is on a regular payment plan and pursuance of this credit card debt is being handled by local law office here in AZ. The payments to clear this outstanding debt are consistent and in good standing. My team of paralegals have sent an escalation regarding negative reporting to the bureaus and I received a letter on XX/XX/2020 from LVNV Funding LLC/ Resurgent Capital Services stating they will not investigate the dispute as it is frivolous and irrelevant. There clearly is no integrity involved and this company will dismiss your right to dispute the information on the credit reports.
Product: Debt collection

I have disputed these debts with XXXX, XXXX and XXXX XXXX times without success in XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The following collection : Southern Management {$2300.00}, Some of the answers that I received were that the collection had an update, again it said that it was verified but I do not agree with the answer since they are not my collections.
Product: Vehicle loan or lease

The company claims to have sent my account to an entity called XXXX XXXX XXXX XXXX XXXX so I called XXXX XXXX XXXX, XXXX on phone number ( XXXX ) XXXX XX/XX/year> at XXXX pm, I was told that, I am looking for the wrong company and that the XXXX XXXX XXXX XXXX, XXXX does not handle this type of matter. Im requesting written documentation. I can not find XXXX XXXX XXXX XXXX XXXX if that was true. I dont think XXXX XXXX XXXX XXXX XXXX XXXX a legitimate company for the my situation. Im requesting for proof that the debt was sent to XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern, I 've been trying to resolve XX/XX/XXXX XX/XX/XXXX the multiple negative student loans that currently appear on my credit report. Please note XXXX XXXX XXXX account # XXXX has reached its statue of limitation in my state ( FLORIDA ) of 5 yearsfor reporting on my current credit report. This account has also been charged off and transferred to another agency. Currently this particular student loan has beenconsolidated however the negative accounts have truly been hurting my account.

The Credit Bureau ( Experian, XXXX & XXXX ) are neglecting to verify the accounts properly to determine to determine which ones are duplicateor originals. Due to poorlack of investigation I 'm requesting that all of the accounts be removed from my credit report.As stated above the loans in question has been consolidated and these negative accounts are truly hurting my score.
Product: Debt collection

I 'm a veteran XXXX vet, there is a law in place right now and has been that when ever a 100 % veteran enters a non-va medical facility for services they contact The department of veteran affairs XXXX XXXX XXXX XXXX XXXX Michigan XXXX for payment, they do n't do this they send it over for collections then it ends up on the veterans credit report, if it only takes me 2 minutes to get this information as big as medical facility is why ca n't they do the same thing I 've written you about this same situation in 2013, so I 'm gon na give them info again. Whenever a vet comes into your facility in Michigan contact XXXX, and quit making it so hard for us veterans. XXXX in this dept said XXXX hospital never contacted them about this bill. I 'll send over all supporting documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. It appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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 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: Credit reporting or other personal consumer reports

Dear CFPB, I am submitting this formal complaint against, Experian, x to request the removal and blocking of fraudulent information on my credit reports due to identity theft. I have recently discovered unauthorized accounts and debts on my credit report that were opened in my name without my knowledge or consent. These fraudulent accounts are a result of identity theft, and I have already taken steps to resolve this issue. 
Details of the Fraudulent Information : Are attached in dispute letter I have taken the following actions regarding this fraudulent activity : 1. Submitted a complaint to the Federal Trade Commission ( FTC ) and completed an Identity Theft Affidavit ( FTC Affidavit Number : XXXX, XXXX, XXXX, XXXX XXXX. Contacted each credit reporting agency ( Experian, ) to notify them of the identity theft and provided the necessary documentation. 
Despite my efforts, the fraudulent information remains on my credit reports, negatively impacting my credit standing and subjecting me to potential liability for debts that I did not incur.
Product: Credit reporting, credit repair services, or other personal consumer reports

World Finance Corporation and I had an agreement on XX/XX/2022 for a payment of {$430.00} to satisfy the account as paid as agreed. However the creditor sent a settlement letter with the header date of XX/XX/2022 which was dated by the United States postal service as XX/XX/2022 requesting {$430.00} be paid by XX/XX/2022. The letter sent from the creditor is fraudulent and is a violation of the original agreement, because I sent a certified letter and cashiers check of {$430.00} on XX/XX/2022 in agreement for paid as agreed. The creditor deposited the check but fail to honor the agreement made between myself and the company as paid as agreed with a zero balance and report the correct update on the credit bureau reporting agents. Also the reporting amount due before the {$430.00} was {$720.00} and the original amount was {$960.00}, well the balance has changed several times after receiving the agreed payment.
Product: Checking or savings account

I received a call from Bank of America today that the deposit on hold on XX/XX/XXXX was to be reversed. The fund was deposited XX/XX/XXXX / XXXX. On XX/XX/XXXX, the bank put a hold on these funds and was told they are investigating. I made many inquiries several times during last 5 months and each time I call, I get different information and different person. Someone called this morning after 5 months telling that was a fraudulent fund. It was deposited as a bill pay. The deposit was made from XXXX XXXX and it was cleared from my end. I have made a business transaction overseas and this was the payment. The transaction was made based on the confirmation of the payment from Bank of America. I am at a loss of {$3000.00} and they would not disclose any information regarding this investigation. If this I fact a fraudulent activity, it should be XXXX XXXX to verify if deposit was legit or not before making the deposit so they should be responsible. Bank of America did not protect their consumer and I am at a complete loss of {$3000.00}. I hope this wont happened to other people!! They failed to protect their client with the fund already in the account for 4 days and reversed. Please advice. 
Thank you XXXX XXXX
Product: Mortgage

On XX/XX/XXXX while in the process of selling my home I was notified that the township tax payment had not been paid although payment of {$1600.00} was due on XX/XX/2021. At this time I reached out to my mortgage provider Quicken Loans to inquire as to why escrow dollars were not used to pay the aforementioned tax bill. 

To date I have continued to reach out to Quicken Loans and have even sent a " Notice of Error ''. I have spoken to several supervisors including XXXX XXXX and XXXX XXXX. I have been told that XXXX is researching my inquiry but to date no information has been provided regarding the missing tax payment. In order to move forward with the sell of my home I was required to escrow an additional {$1900.00} XXXX tax bill plus late fee ). These additional dollars will be released to the XXXX Township Boro as quicken has been unable to provide any proof of payment. 

I have reached out via phone and approx. 3 times a week over the last month however nothing is being done. XXXX XXXX and others at Quicken Loans ( Rocket Mortgage ) continue to provide dates for resolution that they continuously do not meet. As escrow monies were paid by me along with my mortgage payment every month if Quicken Loans did not use the funds for what it was attended for I have requested on several occasions that these escrow monies be refunded. Quicken continues to refuse to take any action.
Product: Credit reporting or other personal consumer reports

" Your agency is in violation! 
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. 
Delete this at once! '' LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX XXXX XXXX XXXX {$7500.00} XXXX XXXX XXXX XXXX XXXX {$22000.00} Late Payments : XXXX XXXX XXXX {$6300.00} XXXX : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

I 'm no longer at this desk phone # and now a coworker is receiving the harassing phone calls. I 'm about to loose my job because of them calling constantly. I notified them XXXX times to please remove this phone # from their list to no avail. I had made payment arrangement 's with them but they would not provide me with documentation, my husband said it seemed fishy. We are unable to find them online. We do n't want to make a payment to a false collection agency.
Product: Debt collection

This company has reported negative items on my credit even though I have maintained that these debts are not mine. These appear to be utility accounts opened using my name and social security number. I have asked the company to provide a photo identification of the person that opened these accounts and I will provide my photo ID, so that they can be compared and to prove once and for all that these are not my debts.
Product: Credit reporting or other personal consumer reports

Following 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.

The accounts below have violated my rights. 15 U.S.C 1681 section 602A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : 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 ) ( a ) 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. Delete the accounts below : - XXXXXXXX XXXX XXXXXXXX. 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 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: Debt collection

I was told a needed a nebulizer for a company called XXXX XXXX. I picked up the nebulizer and I was never given any training or told that I was just leasing the nebulizer. nothing was explained to me by the company. I have been getting bills for XXXX every month for more than 2 years now. I have insurance I was never told how the billing works. I have tried to contact them and I have never had a conversation with them. I stopped paying because I thought this charge was fraudulent. I also filed a complaint with the XXXX XXXX XXXX against them. Since I could never get anyone to contact me I stopped paying. They now are sending these XXXX charges to a collection agency called state collection service. Numerous attempts to contact them and no response. I pay the XXXX because I do not want to mess up my credit. These companies are predatory and they do not care about patient care. I did not even need the nebulizer. I do not have it any more I didn't not know I didn't own it. when I moved I got rid of it. Now I guess I will be charged in perpetuity for this nebulizer I didn't need. I would like to get closure for this and put both these predatory companies in my rear view. I am now filing complaints against them both because they have not tried to reach out and fix this problem
Product: Debt collection

XX/XX/2023 I was XXXX by a company as a procrument manager. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. The HE manager was XXXX XXXX. Phone XXXX. 
This was a fraudenlent company that I later going out. XXXX XXXX XXXX XXXX XXXX XXXX XXXX no XXXX productos at Best buy. 
I was gold they would pay down my Citi bank card using there company bank accounts. XXXX XXXX ask for authorization. Citi never did. This Scam was after Citi bank. I was just victimizacin. My police report number # XXXX. Citi bank, Macys XXXX XXXX. I filled out a contract that was notarized with my job description. This person XXXX sent me an email with what I needed to purchase and she sent me the bank account of their company to pay it down then she sent me a shipping label where I shipped the material. I feel that these scams go after a credit card companies and I am just a victim. Citibank did not ask for any authorization letter before these payments were made like XXXX XXXX did which seems to me wouldve been proper procedure. The police department investigated and found that this was a fictitious company that was not real. I was able to stop shipment on the XXXX products of the laptops charged by XXXX and I took those back to Best Buy after I found out from XXXX XXXX that this was fraud. Citibank has done nothing I have reached out to them and emailed them and given them police reports and they have just Put me in collections because of this theyve ruined my credit and closed my accounts with Macys my XXXX  account was closed due to nonpayment because I was unemployed due to this fraud. Citibank put me in collections because of this as well. Please help me. I dont understand how credit card companies do not request authorization. I feel no payments should be immidiate until verified. This fraudulent company was using XXXXXXXX XXXX account numbers.
Product: Credit reporting

I disputed an inaccurate negative record appearing on my credit report with TransUnion, XXXX, and XXXX. It was reported by XXXX XXXX XXXX. I also filed a complaint against XXXX XXXX XXXX with CFPB. XXXX responded and advised that they had submitted for deletion of the record and provided a reference number - " AUD deletion, control # XXXX '' The record was deleted from all XXXX reports. On yesterday, however, I received a notification that TransUnion had reinserted the exact same negative account on my credit report.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I requested an investigation into this account. I'm in disagreement with the account listed below, which still appears on my credit report, even after your investigation. I would like this immediately re-investigated. These inaccuracies are highly injurious to my credit profile. 

XXXX XXXX # XXXX XXXX XXXX XXXX In accordance with the The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide me with the names and business addresses of each individual with which you verified above, so that I may follow up. Please send me an updated copy of my credit report after your re-investigation.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Opened XX/XX/XXXX / Closed XX/XX/XXXX Dear CFPB Please see attached files For months I have submitted complaints to TransunionXXXX regarding fraudulent items on my credit report and for months/years they have ignored my requests to remove these items. These are NOT transaction made by me as a consumer yet TransunionXXXX keeps treating them as such. They have not completed a thorough investigation of my complaint. They have made lazy inquiries into my complaints to the creditors of the fraudulent items allowing them to say that they are " verified '' without providing ANY proof whatsoever as to how they verified them. They haven't provided any written documents signed by me. They havent been given any consent by me to report any items to my credit report. They just continue to allow these items which I have deemed fraudulent to continue to appear on my credit report. I have submitted multiple identity theft reports that have been ignored. My consumer rights have been violated. By law any item that I have deemed as identity theft shall be removed within 4 days of receipt of this letter. I would like for the items listed " XXXX XXXXXXXX XXXX  Opened XX/XX/XXXX/ Closed XX/XX/XXXX '' in the attached documents to be removed immediately. I look forward to your response.