23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

This is not the first time Selene finance has tried to predatorios take my home. 

I initially got assistance from a program to help pay the arrears mortgage Selene did not include all of the cost associated with the arrears so the company did not pay everything Selene then increased my mortgage by over {$200.00} saying there was a shortage when I asked them to send that to the company helping me they declined saying they could not. The company helping me needed to know the shortage from Selene finance in order to pay it. In result my mortgage increased and i struggled to pay it .. do to having XXXX  and being Ill i fell behind a bit not more then 2 months behind on I attempted to pay my tmortgage online on XX/XX/XXXX  they took the payment processed it on XX/XX/XXXX  then on XX/XX/XXXX  sent me a certified letter of default I contacted the lender ( Selene finance ) spoke to a rep named XXXX and she stated a payment was made on XX/XX/XXXX  when I asked her about the letter of default she had no answer I was not 3 months behind Selene fianc tried to manipulate situations for those on hard times to their benefit they want to pack on fees and default charges to collect more and more money for already struggling families this should be illegal. I want to file a formal complaint about the way Selene finance does its shady business I know my mortgage was behind 2 months but that was due to # 1 Selene fraudulently withholding pertinent information to a company helping me save my home which in turn caused my mortgage to increase then cause I g yet another hardship of payment then them not posting payments timely to reflect valid payments but holding or either returning payments to then send out default notices to collect then more money fraudulently to then cause more hardship on the family now facing foreclosure Any help on this is greatly appreciated any help reinstating my mortgage is greatly appreciated Thank you
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX  {$1000.00} date XX/XX/XXXX this is a formal complaint that you are reporting inaccurate and incomplete credit information according to the Fair Credit Reporting Act.609 ( A ) you are required by federal law to verify trough physical verification of the original signed contract any and all accounts you post on a credit report otherwise anyone paying for your debt is probably fraudulent i demand to see verified proof if you fail to validate remove from my account immediately
Product: Checking or savings account

I have a savings and credit card account with Discover, XXXX Account XXXX, Credit Card last XXXX digits XXXX. Recently, keep in mind the credit card wasn't even due, and I usually pay it from the savings listed above. I logged onto the site, the site said that I had a {$35.00} balance in my savings, so I applied it to the credit card, apparently, there was not {$35.00} available, but Discover never alerted me to this, and they charged me a {$30.00} fee to the credit card. I immediately contacted them, them first email that I got said that the charge would stand, so I responded that I wanted written documentation from them about this charge, as well as the legal address of Discover and I received an email stating that I was to ignore the previous email that there would be no charge. Well a couple of days later the charge was till there, I contacted Discover 's Customer Service, and was basically treated horrendously, I asked for the legal address and documentation to be sent to me, the woman was rude and hostile, basically telling me we don't disclose that information. Why this my seem petty to be haggling over {$30.00}, but this is a prime example of a large corporation ripping off a working person, and after the nasty conversation with their XXXX XXXX, as well as the confusing emails, I have decided to take a stand.
Product: Credit reporting or other personal consumer reports

Transunion credit report company has been violating my consumer rights under federal laws. Transunion add a Collection account on my credit report on XXXX XXXX, and this collection shows as Open on XX/XX/XXXX, they added on XXXX, XXXX. After that they closed this collection account as Closed Status, on XXXX XXXX and XXXX more time was changed to Open Status, for them without my consent on XXXX XXXX, even the creditor name is incorrect and as federal laws requires any inaccurate information has need to be removed from my credit report and they refusing all the time, this is illegal, creditor name is XXXX XXXX and Transunion shows as XXXX XXXX XXXX, information is not accurate also the add this collection account on my report on XXXX XXXX and collection is supposed to be added on XX/XX/XXXX, they added 2 years later, this is illegal, and they do this without mi consent
Product: Checking or savings account

On XX/XX/2023 I tried to log into my online savings account ending in XXXX with Laurel Road Bank and discovered that my account was locked. When I called to find out why I was told because of suspicious activity. I asked what and they told me they didn't have that informaton at the time. It took a few days, but finally they responded that there had been attempts to access the account from multiple locations that weren't our home and that there also were deposits that came from unknown sources. I explained that I was on vacation in different locations in XXXX when the log in attempts were made. We eventually determined that the so called unknown sources for the deposits were in fact made from my home computer by my husband from the same bank that was used to transfer the funds to originally set up the account. We were asked to submit proof of all of this and completed this task by around XX/XX/XXXX or XXXX. Laurel Road acknowledged that they had all the information needed for thier fraud department and I was told the account should be released in a few days. We now have been told that the account should be unlocked in a few days XXXX or more times and still our money is being held XXXX. They have approximately {$23000.00} of our money and we can't pay our bills until the money is released. They don't seem to know why the process is taking so long since they have everything they need to clear our account, it just isn't happening. In addition to all of our issues, we keep receiving promises that people will call us back and that never happens.
Product: Checking or savings account

I bank with Chase bank in XXXX TX. Since the government start giving out stimulus checks my bank has taken it upon themselves to credit my account for money to help but it end up hurtling me and many other consumers. Because what Chase does is once your stimulus money has hit your account that give you credit if you over draw and them 30 days later they charge back that amount to your account, which puts customers right back in the hold where I was. I had {$2800.00} deposited into my account on XXXX and at that time it was over drawn {$1200.00} which was from my rent. I knew that my stimulus check would cover it and bring my account back current and I could take care of other bills. I previously asked Chase not do credit my account as they did before when I got the {$1800.00} stimulus checks and they agreed. But I checked my account today and saw that they went against my request and credited my account when it didn't need it because my stimulus check too care of the overage. Now that Ive notice what they've done its going to cause a financial hardship for me that I can afford. : ( and I really need some help with this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXX and I found out that credit reporting agencies still indicate my disputed of accounts in my credit report. As of todays date, Equifax, XXXX and XXXX has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Reinvestigate these reported accounts and repaired it in my personal file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I keep getting the wrong information on one of the sites. 

It is being worked on. However between given name XXXX XXXX XXXX and legal name XXXX XXXX XXXX I have had to amend documents on credit reports name etc. someone is busy. But on FTC it keeps reading XXXX XXXX XXXX and I cant correct that. So blank. There was prior I learned duplicate legal documents from federal and state. However there was a gap between amending legal name. I am trying not to repeat the information. But NM records go to NM not NH. Until after finalized. Restricted legal documents took me 5 years approx to amend because of state of birth law. I am working on it but on ftc prior to here it keeps reading XXXX XXXX XXXX. No. So I did likely incur issues although name actually was legal. The restrictions are for anyone born in NM for any state. It is stricter now. But I cant get a real ID in any state without a passport because of NM restrictions and no us clerk law e was sent to look into if someone may have more documents that I cant know preventing me presently. So I have been working on this. It took years to amend because I had instead of mailing to new Mxico vital statistics I had to keep mailing back and forth for years despite correct information. However it is not as when I got the first passport which may be used in place of the birth certificate so it is not the same. It was advised for citizenship to get one asap. Gone. I cant know. But even a state real ID seems the same but no it is proof of residency so if you can use a passport to get a real ID no it is not the same.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX {$140.00} OPENE XXXX, Account name : XXXX XXXX XXXX {$560.00} opened XXXX, Account name : XXXX XXXX XXXX {$580.00} opened XXXX, Account name : XXXX XXXX {$3200.00} OPENED XXXX, has violated my rights. 

I looked at my credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 or other personal consumer reports

My credit report is showing late payments to XXXX XXXX XXXX XXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the creditors customer service representative. Also, this item isn't mine please remove it : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX.
Product: Debt collection

SyncB/XXXX XXXX XXXX has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Product: Mortgage

My mortgage was transferred from XXXX XXXX to BSI Financial Services XX/XX/XXXX. I filed for bankruptcy XX/XX/XXXX to avoid foreclosure ( Ch-XXXX ). My mortgage at XXXX XXXX was modified XX/XX/XXXX and the new mortgage amount added all fees and back accrued interest. This modification was confirmed by the United States Bankruptcy Court. When XXXX XXXX sold the loan to BSI Financial, BSI had it classified as a delinquent loan in Bankruptcy even though the loan was modified and current. All monthly payment are made on time and current. I spoke to XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX and XXXX XX/XX/XXXX from BSI and everyone refused to speak to me about my loan. I do n't receive statements or monthly coupons from BSI. The only letter I received from them was a Notice of Servicing Transfer. I was informed by my Home Owner Insurance Company my policy was terminated due to non-payment even though the mortgage is escrowed. My attorney spoke to BSI in XX/XX/XXXX and faxed the necessary documents on XX/XX/XXXX to allow BSI to speak to me and update their files. I have left 3 voice mails to XXXX XXXX ( he is assigned to my loan ) without any return phone calls. Without monthly statements I do n't know if my Home Owner insurance is current or if they have been paying my real estate taxes. I started doing research on BSI Financial and see they have a history of consumer complaints. I thought it best to file a complaint since my efforts and my attorney 's efforts have been ineffective.
Product: Bank account or service

Bank Of America, has engaged in deceptive and unfair practices in connection with my checking account. BOA, has excessively charged the account overdraft fees causing me hardship. The account overdraft fees are so excessive that i could not pay my creditors due to boa excessive overdraft fees imposed to the account. 

On XX/XX/2017, I was overdrawn by {$1.00} and escalated to {$410.00} in overdraft fess alone. 
If you carefully review the statement, you will find that boa never paid any of this items, instead continue to charge the account overdraft fees since XX/XX/2017, when initially was overdrawn {$1.00}. None of the charges have to do with a check i wrote to anyone, all fees are related to the excessive overcharge. Creditors have been trying to collect and morally i have these funds available, however because the account has been over charge with excessive fees, the funds available to pay my utilities would be comprised by the excessive fees where soon my light company will be terminating my services. 

Boa, has violated Federal Law prohibiting the excessive overcharge fess to the account. I did made the account to be overdrawn in bad faith, the record reveals, that the dispute started over been over drawn {$1.00}. The account was overcharged to the point that did not have enough to pay the {$170.00} and the over charge fees. 

I disputed with boa that was going to file complaint with the CFPB, after that conversation, it appears that they may have lower some of the fees. However the account continues to be excessive overcharged with fees. Boa has cause me hardship and bad standing with my utilities companies. Some of the crediors have suspected my account due to boa overdraft fees. I was subscripted to on line services where the cost monthly are lest than {$10.00} and not even that was able to pay because of boa. These are websites that i use to work and are not able to have access. This situation affecting my wages.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance :- XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : - XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXXX Balance : {$810.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$0.00} XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$850.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$970.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX {$810.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX  ) XXXX Balance : {$810.00} XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I booked a hotel using chase XXXX XXXX XXXX  on XXXX ( with a cancellation period before XXXX ) XXXX points. I cancelled it due to a severe family illness on XXXX. On XXXX, I get an email for another EXACTLY IDENTICAL booking ( note that this is AFTER the cancellation window, and there is NO cancellation window on this new booking ) that I did not make and have been trying to get refunded ever since. 

I have called the Chase XXXX XXXX portal over 5 times and have been transferred to many supervisors. They say they need the hotel 's consent to get this refunded and that the hotel is not responding. Once agent even said I can contact the hotel myself, so I email them since it is an international hotel. The hotel replied promptly and says that they have not recieved any queries or requests from Chase. I call chase again, they say they will let me know in 12 hours. They don't. I call again, get transferred over 5 times for over 2 hours only to tell me it is denied. I ask for the agent to try again and she puts up a fight. I have to argue with her for over 30 mins to try to get her to contact the hotel again, and she says that there is no response.
Product: Vehicle loan or lease

I am sorry to say I did not keep records of the dates I contacted Toyota Financial. But I can tell you I've talked to at least 10 different Reps and 1 Manager. I have paid my car payment on time EVERY month plus {$100.00} Extra accept I didn't pay the extra in XXXX or XXXX. They have now turned me over to their collection department saying I owe them {$200.00}. They even sent me an itemized statement showing my payments and still will not acknowledge they have made a mistake. They are trying to ruin my credit and over money I don't owe them. All I can say about Toyota Financial Services is Buyer beware. And they don't have an email you can send your information to. You either have to FAX it or snail mail it.
Product: Debt collection

I responded to an advertisement to get alarm system protection for my house at a promotion rate by company called XXXX. Few days after I got contacted by a company called XXXX stating they are the party that was hired by XXXX to install my service that was ordered from them. Obviously I contacted XXXX to make sure it is correct what they are telling me because I do not trust anyone to come in to my house. One week later they came in to install my security system and they spend 2.5 hours in my house and told me they need to come back to finish the installation and at that time they give me a paper for contract to sign and I refused to sign it at that time and told them I will sign the contract once the installation is finished and my system is ready to operate. This transaction happened in XX/XX/2016. Since then I have been contacting XXXX and XXXX to schedule a time to finish the installation. Both companies had given me so much run around which I told them I do not want to do business with them any longer and I hired someone to take all the wiring what they done and boxed them and put it in my garage and whatever the equipment they brought in originally which was in opened and was in box still sitting in my garage. I had received phone calls from XXXX requesting money for service that was not done and every time took me 20 to 45 minutes explaining that my security equipment was never installed and I have everything in the box to send back to them and all i need return authorization which i never received. About two weeks ago i got a collection call which followed up with a letter from a company called MCCARTHY, BURGES & WOLFF demanding {$970.00} from me. Immediately I requested a debt validation from them .Earlier today I received their validation paper which showed my signature on the contract that someone has forged my signature. The great part is I have the original and the copy of original contract that was never signed by me.
Product: Credit card

So I have some personal loans and balance transfer offer ( {$3000.00}, Which I used ) from the Citi Bank, the personal loan is 5.99 % interest rate and the balance transfer offer is 0 % interest rate by XX/XX/24, on or after XX/XX/24 it will be 23.24 % interest rate. On XX/XX/24, I paid Citi bank the balance transfer full amount {$2900.00}, their system didn't have the option for me to select which payment I made, but from the call I talked with the bank representative before, the payment will be paid the highest rate loan/product first, which should be the balance transfer. Now I can see the system used my money to paid the personal loan but not the balance transfer, and they charged me the interest ( 23.24 % rate ) for the balance transfer because it's not paid off in their system. Now they keep charging me the 23.24 % rate every month and I don't have extra money to paid it off.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft XXXX ( XXXX XXXX : MEDICAL ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting bankruptcy info on my credit that isnt valid Ive called and ask to remove they refused, contacted the bankruptcy court they advised they do not report to the credit bureaus and is unaware of why its showing up.