23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My wife and I, along with our son bought some commercial property ( rental property ) in XXXX, FL through a small business we started for that purpose ( XXXX XXXX, XXXX ), in XXXX. We originally started with a private lender and rolled that into a commercial mortgage in the fall of XXXX with XXXX That mortgage note was purchased from that original lender by Selene Finance LP ( www.selenefinance.com ) in early XXXX ; Selene did not correctly import our contact information, other than our address where we received notification that they had taken over the note and that the loan was in default. As we attempted to contact them they refused to speak with us ( Specifically XXXX who is majority owner of XXXX XXXX and is handling much of the business since he's in FL ). They did have my wife 's name down in their records but not myself or my son. We went back and forth submitting third-party authorization forms which they claimed we never sent, calling, emailing so that our son XXXX XXXX XXXX who lives in XXXX and manages these properties and is handling much of the business, could interact with Selene and make the payments. XXXX was the interface for our commercial bank account and was the only XXXX authorized to write checks or make ACH payments. This process took several months all the while Selene refused payment and so our account went further into default. The XXXX letter from them is attached. Eventually they started communicating with XXXX, and finally said they would complete a loan modification if we agreed to pay a defined # of payments and that they'd roll the remaining balance on to the back of the loan ( essentially a loan mod. ). We agreed to that but they continued to refuse payment or send any substantiating documentation to that effect. Continued emails ( many of which are attached ) throughout XXXX and XXXX by us have gone either entirely unanswered or they respond saying they'll get back to us. 
Selene 's automated phone system will not put us through to a loan officer. The system recognized our number and says " due to the status of your loan payments can not be accepted at this time ''. They continue to mount interest, penalties and we are unable to proceed without some form of assistance. Selene appears to be illegally forcing a foreclosure by refusing to correspond & /or receive payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an open loan with credit acceptance. I filed Bankruptcy and I reaffirmed the car note so it would n't be included. They agreed and I paid the car payment every month on time. After the end of the loan I received the title. The company has failed to report the payment on my credit report and they have the status as included in Bankruptcy which was not the case.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed account, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, XXXX Credit Bureaus must update the listed account from my file. 
XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

Transunion won't lock my credit report, despite several attempts.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts. Actually I am not sure that the account is even mine though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

on XX/XX/year> I wrote to XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, Equifax, XXXX and XXXX disputing a bankruptcy on my credit reports asking them to remove from my credit report to preserve my right to privacy according to 15 U.S. code S 1681A and per 15 U.S. code S 168B2 permissible purposes included with this letter I sent a copy of my old XXXX XXXXXXXX ID, social security card with the name of XXXX ( My prior married name ) I also sent a copy of my new XXXX XXXXXXXX id and social security card with the name of XXXX along XXXX my XXXX  cable bill asking them to delete the disputed bankruptcy and to send me a copy of my updated credit report. as of todays date. XX/XX/year> the bankruptcy has not been removed off of my credit report nor have I still received my credit bureau report ( XXXX ) XXXX sent me a response with a report number XXXX for XX/XX/year> saying that they had verified the bankruptcy, I am not sure how because I wrote to the U.S. Bankruptcy Court wanting to know how they report this information since they are not a creditor, and they wrote me back a letter that they do not report this information to any consumer reporting agencies and that they are not responsible for verifying or validating information contained in consumers credit reports Equifax request more information from me that I had already sent in the packet in XX/XX/year>, which included the letter asking each credit agency to remove the bankruptcy a copy of my old state id and social security card with the name of XXXX also a copy of my new state id and social security card with the name of XXXX along with my coxs cable bill??? 
XXXX has not responded at all.????? 
XXXX sent a response of who furnished the information and it has not been removed from my credit report they did send a updated report to show who furnished them with this information. 
XXXX XXXX sent me a letter/form requesting the same information that I had already sent them in my XX/XX/year>, letter, I sent that form back filled out XX/XX/year>, and I still have not received a response back from that form nor have I received a copy of my credit report from them with the bankruptcy removed, as of today 's date XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I KEEP DISPUTING MY PERSONAL INFORMATION SUCH AS ADDRESSES, EMPLOYMENT, PHONE NUMBER ETC AND IT WONT REMOVE OFF OF MY REPORT. I ALSO HAVE ACCOUNTS THAT I HAVE ASKED TO BE CLOSED OR FOR A PAYMENT ARRANGEMENT DUE TO SUFFERING IN SEVERE HARDSHIP AND LOSS OF INCOME DUE TO COVID 19 AND IT DISAPPEARS OFF MY CREDIT ONLY TO BE READDED. I ALSO HAVE A CAR THAT I ALMOST PAID OFF AND IT HAS COMPLETELY DISAPPEARED FROM MY ACCOUNTS. I HAVE REACHED OUT VIA XXXX XXXX XXXXXXXX, EQUIFAX, XXXX AS WELL AS XXXX AND THEY HAVENT REMEDIED ANY SITUATION. I EVEN HAD A SCHOOL TUITION LOAN THAT HAS BEEN SOLD TO A 3RD PARTY WITHOUT NOTIFYING ME AND AS BEEN CHARGED WITH INTEREST THAT WILL NOT COME OFF OF MY REPORT. THIS IS ALL MAKING DAY TO DAY HARDER AND HARDER BECAUSE I CANT/DONT QUALIFY FOR ANYTHING DUE TO ERRORS ON MY REPORT.
Product: Bank account or service

Our lease ended on XX/XX/XXXX and we inquired about extending ot for up to 3 months but had n't yet sent back the argreement. Just in case we did extend, we scheduled a bill pay to go out on XX/XX/XXXX to SEToyota even though no further payments were due. 
On XX/XX/XXXX, we sold the car to a XXXX dealer and bought another one. XX/XX/XXXX we contacted BOA to stop the outgoing payment They advised us that although it could not be stopped, we should leave the account negative until it declined twice then it would stop. 
On XX/XX/XXXX, a transaction was processed showing as a bill pay to XXXX for {$350.00}. I went into the bank to ask how this happened and was told by the bank manager that XXXX used the information from the declined bill pay to force the transaction through as a collection. There was no collection. This transaction occurred in the amount of {$350.00} and cleared with only {$160.00} in the account without authorization.
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were place

d on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I have reviewed my consumer report, and I noticed I had two late payments on an account. I was never late, for the consumer reporting agency has assumed a vital role and has a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I Included is a screenshot inside of this complaint on dates of XX/XX/year> and XX/XX/year>. Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided, I demand that these payments be updated to be paid as agreed on time as they should be due to the fact that I was never late.
Product: Credit card or prepaid card

On approoximately XX/XX/18 I received a mailing offering me the opportunity to apply for a Capital One Quicksilver Card. I navigated to the capital one website and discovered there was also a promotion promising a XXXX credit if I am approved for the card and spend XXXX on the card within 3 months. The conditions indicated to qualify I must click apply now on the site. I clicked apply now was approved and spent the required amount within the required timeframe. When I called about my promised credit I was told I didnt qualify for the offer. First I was told it was because I have other products with capital one. When I advised this was my first quicksilver account and the site does not state that I do not qualify if I have other capital one products just if I had an existing account. I advised that because I didnt have an existing quicksilver account I should still qualify. Then the representative changed their tactic and claimed I did not qualify because I had entered in the offer code indicated on the mailing I received. I again explained that nowhere on the site does it state that I could not qualify if I input the offer reservation number. Capital one has still refused to grant the promised credit. They did not clearly disclose that I could not use the pre qualification or that having another capital one product would disqualify me from the offer. This appears to be a situation where the company has advertised two offers and no clear easily understood indication that the consumer is not eligible for one or the other. Bait and switch.
Product: Checking or savings account

I file a complaint and this is my ID # XXXX. I see that it has been closed. The company Columbia Bank has not reimbursed me the money they took from my account back in XX/XX/2020 The amount is {$500.00} and have not heard a word from them. They have my address and could have mailed it to me. But they have any effort at all, I have giving them 3 month to straight the problem out. The account a Columbia Bank is closed. They have admitted to making a mistake. You have all the document to show what was done. So they just need to mail it to me right. They took it out of my account without asking me or calling me. So what can we do now? Help?
Product: Money transfer, virtual currency, or money service

I saw a XXXX advertisement for a bed and was charged for the bed. It ended up being a scam. I payed them through XXXX from USAA.
Product: Debt collection

I rented a car from XXXX in XXXX on XXXX XXXX, XXXX. A few days later the car completely stopped running and I had to call a tow truck to have it towed. I paid US {$380.00} for this car that died. I then had to rent another car, which was supposed to be a 4 wheel drive, and when I picked it up at the airport the car was not a 4 wheel drive. I had to wait an additional day to get a 4 wheel drive car, using up 2 days of my vacation. I paid an additional XXXX {$600.00} for the second car. I paid for both cars on a XXXX credit card. 

XXXX told me the car died because I drove through a puddle. This was not at all possible, as the car was FACING the puddle when it died, and I had not even gotten to the beginning of the puddle at all. In addition, when I picked up the second car the XXXX merchant told me I would not be charged anything additional for the car that died. 

On XX/XX/XXXXXXXX charged my credit card an additional US {$3300.00} for the car that died. I disputed this charge with my credit card company on XX/XX/XXXX. Attached is letter I sent in dispute of this amount to XXXX credit card. The credit card company resolved the dispute on XX/XX/XXXX in my favor and I did not pay the disputed amount. 


On XX/XX/XXXXI received a letter in the mail from XXXX XXXX XXXX RE : XXXX XXXX XXXX XXXX / XXXX claim No. XXXX The letter claimed I owe US {$3300.00} the letter is attached and states : " recently you requested information to support the creditor 's request for payment of this account. Enclosed is the necessary information for you to identify the account. '' I NEVER requested any information from them or anyone else. 

I called the tel. number on the letter on XX/XX/XXXX The person who answered would only give his first name ( XXXX ), would not give his last name or physical street address of his office. He said he was located in the XXXX, said there was no professional license, then hung up on me.
Product: Debt collection

Collection agency is attempting to collect a debt from me that I am not aware of and they have not provided me with relative information concerning why they thin I owe this debt. 
Therefore, I am disputing the referenced debt. Please verify this debt as required by the Fair Debt Collection Practices Act. by providing me with the following : 1. The full amount and complete accounting of this debt 2. Proof you are licensed to collect debts in Michigan or under what authority you claim to collect this debt in the State of Michigan, 3. Proof of the last payment on this account 4. Why Calvary Portfolio believes I owe this alleged debt Because I am disputing this debt, until a proper investigation is completed and this debt is validated the information concerning this debt is assumed to be inaccurate.Calvary should not report it to the credit reporting agencies. If they have already reported it, please contact the credit reporting agencies, inform them that the debt is disputed, and ask them to delete it from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act 1681s-2. Should Calvary pursue a judgment without validating this debt, I will inform the judge and request that the case be dismissed based on yo
ur failure to comply with the FDCPA.

Aside from verification of the debt, do not contact me about this debt. The Fair Debt Collection Practices Act, 15 USC Section 1692c requires that you honor this request. Your cooperation will be appreciated.
Product: Mortgage

My wife and I have been working with Washington Federal Bank to secure a new construction loan to build our retirement home. We began this process XXXX XXXX, XXXX. As of XXXX XXXX, with so many delays from the bank, the construction price has escalated, and the cost of the loan has increased to the point that put the project out of our budget. 
We are looking for the bank to cover the cost of what we have spent in trying to secure the loan during the past year. Those costs are on an attached document. 
We filed all requested documents and information in a timely manner. The banks delays during this year long process has let us both emotionally drained, full of anxiety and stress. Not a good situation for my wife who has XXXX and is suppose to avoid stress and stressful situations. 
We did n't know where to turn, so we thought consumer affairs would be a good starting point. 
I have attached a number of documents for your review. 
We are able to answer any question that you might have. 

Thank you XXXX and XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and 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 the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.
Product: Vehicle loan or lease

I applied for extension of my credit today and got denied and denials are unlawful as the original creditor. US Bank sells the promissory note signed by the consumer for loan amount which was XXXX in this case and then sends me a denial notice which violates my rights and is illegal. I need my car in exchange for the note they cashed and tried to leave me out the deal by not telling me immediately why I got denied which is unlawful anyway according for 15 usc1611, 15 usc 1605.
Product: Checking or savings account

Capital One authorized fraudulent transactions and failed to protect me as a consumer On XX/XX/XXXX I called Capital One to report a fraudulent transaction for {$2000.00} on XX/XX/2019 from XXXX. I informed the representative that 1 ) I did not authorize this transaction 2 ) I received a phishing attempt after the transaction was made telling me to update my account by clicking a link and 3 ) that I suspected further fraudulent activity - the XXXX representative said the only way to receive my money back was to send them my medical records On XX/XX/XXXX I received an email from Capital One 's card investigations team requesting the following : - A copy of the original purchase receipt - Your efforts to resolve the dispute with the merchant - The expected date of the hotel stay/rental - The date of cancelation ( include the cancelation number if you have it ) - The merchant 's cancelation policy - this helps us with your dispute - Proof you canceled within the merchant 's cancelation terms On XX/XX/XXXX I emailed back providing documentation proving the fraudulent activity ( ie phishing email attempt/XXXX request for medical records ) and explained how I never received proof of cancellation because this was an unauthorized transaction. 

On XX/XX/XXXX I was told by Capital One my claim was denied because I did not have proof of cancelation of the XXXX  within 24 hours of it being authorized.
Product: Debt collection

This is in regards to the last bill from XXXX XXXX XXXX for internet service ending in XX/XX/XXXX. I ended the service and moved hundreds of miles away. I provided my new address. I even stopped by an XXXX XXXX XXXX store to close the account. I never received any notification of any balance due. 

In XX/XX/XXXX, my credit report was pulled to secure a pre-approval for mortgage and there was no notice of the debt. My credit was pulled in XX/XX/XXXX, and my credit report showed that XXXX XXXX XXXX send a balance due to a debt collector for {$140.00}. I never received any notice of this debt. This caused my credit score to drop two credit tiers and will drastically increase my mortgage rate. 

As soon as I saw my credit report, I called the company ( told them of my situation ), and paid the amount in full. I was encouraged to pay it in full instead of disputing it, because I was on a tight schedule for my mortgage and paying it would improve my credit scored. I called all the credit report agencies to ensure that the reports show that it was paid in full. My credit report was pulled again and there was no change in my credit report. I contacted the company and they didn't offer any assistance. They didn't say anything that could help me.
Product: Mortgage

On XX/XX/XXXX, I requested a full and complete audit on my Wells Fargo mortgage account because the monthly mortgage statements I have been receiving and still currently receiving are showing months that payments were paid as not paid. Monies sitting in unapplied funds and not being applied to my account. 

Every month I have been faxing copies of the incorrect mortgage statements along with copies of money orders and checks for payments made, for the months in question. 

A XXXX XXXX was assigned to process my audit, as of today 's current date, Thursday, XX/XX/XXXX, XXXX XXXX has not and refuses to provide any status of my requested XX/XX/XXXX audit. No communication and he provides a deadline that he will have the audit completed and continues to extend the deadline every month since XX/XX/XXXX.