23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My mortgage servicer Selene Finance has refused to consider or review any options to save my home from foreclosure and I am facing auction next week due to their actions. I have owned my home for nearly 10 years and made a down payment of {$170000.00} at the time of purchase. I later refinanced into a government insured FHA loan and had no issue making the monthly payments until I was the victim of fraud in XX/XX/2013. Someone was able to gain access to my bank account and stole all of my money. This created a snowball effect, and soon I was drowning in debt and unable to keep up with my mortgage payment. I have tried repeatedly to resolve this matter but have made no headway. This is devastating ; I have a good job ( worked as a XXXX for 13 years ) and make enough money to afford a fair payment. The issue is that once I fell behind that no one gave me a chance to resolve this matter and the delinquency continued to increase. 

At that time my loan was with XXXX and I tried to begin the process to resolve my delinquency and be reviewed and qualified for a loan modification or forbearance agreement or a partial claim program. It was very difficult to make any progress and just when it seemed that I was making some headway the loan was transferred to XXXX. I went through the same process with XXXX, poor communication, lost documents, denied access to government programs, etc. and then again when it seemed that I was getting somewhere the loan was transferred to Selene Finance. The entire time my delinquent amount continued to increase and put me into a deeper hole. 

I have tried to engage with the agents at Selene Finance in order to get a review initiated. At first they acted like they did not even know they were holding my loan -- later it seemed that they were just disinterested. I have been told that Selene Finance accepted XXXX of dollars in government bailout money and is REQUIRED to conduct reviews of my current and correct financial information in order to assess eligibility for retention programs. Additionally, this is a government insured loan and I believe they are violating all protocol and procedure by failing to give me an opportunity to resolve this issue. I have a good job and have enough income to afford a reasonable payment, but was a victim of fraud and theft and need Selene to work with me. 

I ca n't believe that I am in this situation. I want to pay, I can afford to pay, and it is so disappointing that being the victim of a crime has put me in a position where I am going to lose my house along with the {$170000.00} I have invested in the home.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX have wrongly reported a write off negative balance of XXXX dollars for a dispute being raised for a debit card purchase. Despite of reaching XXXX via XXXX complains and also to correct wrong XXXX XXXX report XXXX is asking to pay that XXXX dollars despite of non receiving of the product and are not willing to sort this despite of multiple conversations and follow ups. And to make it even more worse XXXX has not even furnished a detailed investigation report of on what grounds the credits for the dispute were reverted back. So this needs to be escalated and would like to give XXXX last chance to XXXX to sort this out. Lets see
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint regarding inaccurate reporting by the credit bureaus, specifically XXXX, XXXX, and EQUIFAX. The issue stems from the inclusion of more than several accounts on my consumer reports that have surpassed the statute of limitations for debt collection in Arkansas, which is set at 5 years and for medical debt it is 3 years. Each account that will be uploaded to this portal has reported charge offs for more than 5 years straight. Some 6 years. Despite the expiration of the statute of limitations, these accounts are still being reported, misrepresenting my creditworthiness and violating the Fair Credit Reporting Act ( FCRA ). This inaccurate reporting has the potential to harm my financial standing and is a clear violation of consumer rights. I request the Consumer Financial Protection Bureau 's intervention to address this matter promptly. I urge you to investigate this issue and ensure that the credit bureaus comply with federal regulations by removing the inaccurate accounts from my credit report. Thank you for your attention to this matter. I look forward to a resolution that restores the accuracy and integrity of my credit report.
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report and found several items to be inaccurate. 

Under 15 U.S. code 1681e ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual, about whom the report relates. 15 U.S. code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, if 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. 

Please remove the following items from my credit report, immediately : Personal Information : XXXX XXXX XXXX, XXXX XXXX, NY XXXX XXXX : XXXX XXXX : This account is being reported inaccurately, please remove it from my credit report immediately. 

Accounts : XXXX XXXX XXXX : This account is being reported inaccurately, please remove it from my credit report immediately. 

XXXX XXXX XXXX : This account is being reported inaccurately, please remove it from my credit report immediately. 

XXXX  XXXX : This account is being reported inaccurately, please remove it from my credit report immediately. 

Inquiries : XXXX XXXX XXXX ( Bank ) : The inquiry was not authorized, please remove it from my credit report immediately.
Product: Checking or savings account

I am writing due to Navy Federal charging me multiple overdraft fees I've incurred despite having sufficient funds when transactions were authorized
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting incorrectly that I am 30 days past due on XXXX partial account number XXXX. ( Please see pages 7 and 8 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Product: Mortgage

I was granted a loan modifiation. The stipulations was that if I missed no more than 3 payments in 5 years, then I will have {$5000.00} of the loan balance forgiven. I have never missed or was late on a payment! In the fall of XXXX, my loan servicing was transferred to Greentree, now known as XXXX. In XXXX XXXX, I noticed an error in my escrow account. I ask them to fix it. This let to a living nightmare!. They redid my escrow 3 times in 4 months with mounting errors and problems. ( Enclosed ). In XXXX, XXXX, I paid what I thought was the correct amount. This company cashed my check, but did not notify me of any errors. On XXXX, XXXX, I paid the same amount. This company, without my permission, took part if this payment and applied it to the XXXX payment. I did NOT get any com. From them Then, I sent them 3 checks, one to cover the remainder of XXXX and one to cover XXXX and another to cover escrow. Then, This company this 3 things. 1. Reported to the credit bureau that I was 3 months behind, 2. Denied my loan reduction. And 3, denied my request to pay my own taxes. I want this company to 1. Fix my credit report to report the truth. My report does not even show a reason for the 2nd month. They were being vindictive. And 2. grant my loan reduction. Oh, by the way, they are transferring my account, but they made this error and they should fix it.
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  XXXXXXXX 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: Student loan

On XX/XX/2018 I logged into Navient to check my account and it said I would have an automatic payment of {$270.00} on XX/XX/2018. I made an extra payment of {$210.00} directed at 1 single student loan on XX/XX/2018. On XX/XX/2018 I logged on to Navient 's website and saw my auto pay had been changed to {$39.00} for all 6 of my loans, but I had not been notified as to why it had been changed. This had happened before on XX/XX/2018 and XX/XX/2018, but for different amounts ( from {$380.00} to {$270.00} ). I am unsure why my my monthly auto payment has dropped by 90 % in the past 3 months, but my loans have not dropped by 90 %. I still have over {$21000.00} in loans and I am not in an income based repayment plan, so I should owe more than {$39.00}. It seems that Navient may be recalculating my payments in order to keep me paying them longer. I do not want my loans to be messed up because I am a XXXX  and could be eligible for loan forgiveness. I am not eligible if I miss payments, even if it is the fault of the servicer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX - ACCOUNT WAS NEVER LATE. Fair credit reporting act violation. How is this verified? Not Late. Inaccuracies placed on my report. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Failed to have adequate processes for accurately reporting checking account information : XXXX failed to establish and implement reasonable policies and procedures for reporting information about consumers deposit accounts. Without adequate policies and procedures, there is a risk that a financial institution may report inaccurate information about consumers checking account history. These companies are required by law to provide consumers with the results of investigations into their disputes. Between XX/XX/XXXX and XX/XX/XXXX, XXXX failed to provide this very basic service to thousands of its customers who were left in the dark about the disputes they filed with XXXX. 
ursuant to the Dodd-Frank Wall Street Reform and Consumer Protection Act, the CFPB has authority to take action against institutions or individuals engaging in unfair, deceptive, or abusive acts or practices or that otherwise violate federal consumer financial laws. Under the terms of the CFPB order released today, XXXX is required to : Ensure accurate information is reported : XXXX must implement reasonable policies and procedures regarding the accuracy of information on consumers checking account behavior that it sends to consumer reporting companies. 
Inform consumers of investigation outcomes : XXXX must report the results of its investigations to consumers who filed disputes with the bank regarding the information reported about them to consumer reporting companies. 
Provide consumers with contact information : XXXX must provide consumers with the contact information of the consumer reporting company that supplied information that XXXX used to deny an application for a deposit account. 
Pay a {$4.00} civil money penalty : XXXX must pay a {$4.00} million penalty to the Bureaus Civil Penalty Fund.
Product: Credit reporting or other personal consumer reports

This is my 10th requests to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$990.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, NY XXXX
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- Tied Up
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a hard inquiry on my credit report from XXXX XXXX Bank. I'm confused because I don't even own a XXXX XXXX XXXX XXXX 

In accordance with the fair credit reporting act 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.
Product: Vehicle loan or lease

I applied for an auto loan through Carvana and was originally approved for financing. When I  selected a vehicle and submitted the required documentation i was told by my underwriter that she had to adjust my income based on their own guidelines. As a result i was unable to finance the first vehicle i selected. I then proceeded to select a second vehicle within the guidelines set by my underwriter ( XXXX ). Upon completing all the requirements and a verification call with my bank to verify deposits I was told that they had everything they needed. I verified my funds for deposit and afterward i received a call saying that the guidelines that were set by my first under writer were no longer valid and that half of my income would not be accepted. I asked for a copy of the company 's financing policy that outlines acceptable and non accepted forms of income. I was denied this information. I believe that when i sent a copy of my license and they saw that i was XXXX they decided not to lend to me. There is no document or policy stated on their website that excludes any forms of income however i was denied because part of my income comes from online sales.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I contacted Equifax at 1-888-EQUIFAX in reference to error code NH I received while trying to obtain a copy of my free annual credit report at the Equifax website. I was instructed to fax over copies of a bill, social security card and picture ID. I faxed the information XX/XX/2021. I waited until mid XX/XX/2021 but I never received a reply from them. I was finally able start the process to create an online account after receiving multiple error messages during mid XX/XX/2021 : however, I couldnt complete the process because they couldnt validate my information and they needed to mail me a code. I received the code XX/XX/2021 and able to create the account ; however, I still have not had access to my credit report after several attempts. I always received a message saying that the system is down.
Product: Credit reporting or other personal consumer reports

The purpose of this complaint is to have unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XX/XX/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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts were disputed with XXXX and XXXX but they have not been removed. These accounts are 100 % fraudulent. 

Account Name XXXX XXXX Account XXXX Account TypeCollection ResponsibilityIndividual Date XXXX Account TypeCollection ResponsibilityIndividual Date XXXX StatusCollection account. {$740.00} past due as of XX/XX/XXXX. 
Status UpdatedMar XXXX Balance {$740.00} Balance XXXX Recent Payment $ 0 Monthly Payment {$0.00} Original Balance {$740.00} Highest Balance {$0.00} Terms1 Months On Record UntilXXXX XXXX Account NameXXXX XXXX XXXX Account XXXX Account TypeCredit card ResponsibilityIndividual Date XXXX StatusAccount charged off. {$1000.00} written off. {$960.00} past due as of XX/XX/XXXX. 
Status UpdatedJun XXXX Balance {$960.00} Balance UpdatedXXXX Recent Payment $ 0 Monthly Payment {$0.00} Credit Limit {$800.00} Highest Balance {$1000.00} TermsNA On Record UntilJul XXXX Account NameXXXX Account XXXX Account TypeCharge Card ResponsibilityIndividual Date XXXX StatusAccount charged off. {$1200.00} written off. {$1200.00} past due as of XX/XX/XXXX. 
Status UpdatedAug XXXX Balance {$1200.00} Balance XXXX Recent Payment $ 0 Monthly Payment {$0.00} XXXX XXXX Highest Balance {$1400.00} TermsNA On Record UntilAug XXXX Account NameXXXX XXXX XXXX XXXX Account XXXX Account TypeUnsecured ResponsibilityIndividual Date XXXX StatusTransferred, closed. {$0.00} written off. 
Status UpdatedJan XXXX Balance- Balance Updated- Recent Payment- Monthly Payment {$0.00} Original Balance {$2500.00} Highest Balance {$0.00} Terms24 Months
Product: Credit reporting or other personal consumer reports

I am writing to urgently report continued inaccuracies on my credit reports despite multiple dispute submissions. The credit reporting agencies have failed to conduct a genuine investigation, resulting in defamation of my character. 

Key concerns : Verification Process : Requesting a breakdown of how the agencies verified alleged accounts, as the information remains inaccurate.

Defamation of Character : The persistence of false information constitutes defamation, demanding a prompt resolution.

Failure to Provide Results : Agencies have not provided investigation results, violating FCRA rights.

Failure to Notate Disputed Accounts : Neglecting to notate disputed accounts, as required by law, adds to the inaccurate representation. 
FCRA Violations : Multiple violations of FCRA, specifically FCRA 15 U.S.C. 1681i ( 6 ), warranting monetary compensation. 
I kindly request your intervention for a thorough investigation, ensuring agencies adhere to FCRA regulations. 

Thank you for your prompt attention to this matter
Product: Credit card or prepaid card

Please help me here as I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX 2019 for 30 days late???? 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Debt collection

1. On XX/XX/XXXX, I, XXXX XXXX entered into a settlement agreement XXXX XXXX XXXX XXXX XXXX in regards to Cause No. XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX In the 9th Judicial District Court of XXXX XXXX XXXX TX XXXX 

2. XXXX XXXX XXXX claims to represent XXXX XXXX in Cause No. XXXX on an alleged debt of {$30000.00}. A full settlement amount for {$16.00}, XXXX was reached with a payment schedule of 16 months. 

3. On or about XX/XX/XXXX I received a letter from XXXX XXXX, a law firm located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, LA XXXX, demanding payment for {$450.00} in reference to File Number : XXXX. 

4. On XX/XX/XXXX, I sent an email to XXXX XXXX XXXX, Collection Manger ( XXXX ) requesting an accounting of payments made to File Number XXXX. I did not receive a response. 

5. On XX/XX/XXXX, I sent a follow up email to XXXX XXXX XXXX, Collection Manger ( XXXX ) requesting an accounting of payments made to File Number XXXX. I did not receive a response. 

6. On XX/XX/XXXX, I sent an email to XXXX XXXX XXXX, Attorney ( XXXX ) and XXXX XXXX, Director of Operations ( XXXX ) also requesting accounting of all payments made to File Number XXXX. 

7. On or about XX/XX/XXXX I received a letter from Couch Lambert, a law firm located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, LA XXXX, demanding payment for {$15000.00}. in reference to XXXX XXXX : XXXX ( See Attached Exhibit C ) 8. At no time have I ever received a response to any of my requests for the accounting of all payments made to file number XXXX. 

9. On XX/XX/XXXX, I sent a request for validation to Couch Lambert, LLC who is located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, LA XXXX, via USPS Certified Mail # XXXX XXXX XXXX XXXX XXXX in reference to Account Number XXXX XXXX. On XX/XX/XXXX, I sent a request for validation to Couch Lambert, LLC who is located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, LA XXXX, via USPS Certified Mail # XXXX XXXX XXXX XXXX XXXX in reference to Account Number XXXX XXXX. As of XX/XX/XXXX, I have not received any response from Couch Lambert, LLC or XXXX XXXXXXXX XXXX to any of my attempts to communicate.
Product: Debt collection

XXXX  XXXX XXXX XXXX has provided fraudulent photos and info to a collection agency. The apartment sewage system was backed up so my apartment was flooded and they tried to submit a claim to the insurance company and coerce me to say that it was a toy in the toilet, which I refused to lie. I moved out XX/XX/XXXX the day my lease was up and they put on the report that I skipped the eviction process on XX/XX/XXXX, which I returned the key to the manager and let her know on XX/XX/XXXX that I was leaving. She then tried to convince me again to lie to the insurance company because they had to redo the whole apartment, cut the bottom of the walls so it wouldnt rot, pulled the tiles up and replaced the carpet in the rooms. Then in retaliation they added false charges and pictures that did not come from my apartment. When I asked for proof of timestamps or proof that the pictures were taken in my apartment, the guy in corporate said all they can do is go by when the pictures was sent to the credit bureau, and that since its been XXXX  years they cant provide me any concrete proof. I take full accountability for the owed rent, but the pictures are fraud and the other charges are fraudulent.