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

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per XXXX and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX .... Balance : {$2400.00} XXXXXXXX XXXX XXXXXXXX XXXX .... Balance : {$1200.00} XXXX XXXX XXXX XXXX XXXX .... Balance XXXX {$510.00} XXXX XXXX XXXX XXXX XXXX .... Balance XXXX {$570.00} XXXXXXXX XXXX Date of request XX/XX/XXXXXXXX XXXX XXXX Date of request XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Date of request XX/XX/XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2400.00} XXXXXXXX XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXX XXXX XXXXXXXX Balance : {$510.00} XXXXXXXX XXXX XXXX XXXX Balance : {$570.00} XXXX XXXX XXXX ( Original Creditor Name XXXX XXXX ) # # # # # XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX ( Original Creditor Name XXXX XXXX ) # # # # # XXXX XXXX XXXX {$520.00} XXXX XXXX XXXX XXXX Original Creditor Name XXXXXXXX XXXX XXXX XXXX ) # # # # # # # # # # XXXX XXXX XXXX # # XXXX Balance : {$150.00} XXXX XXXX XXXX ( Original Creditor Name XXXX XXXX XXXX ) # # # # # # # # # # # XXXX XXXX # # XXXX Balance : {$190.00} XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Balance {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance {$2400.00} XXXX XXXX XXXX Balance {$1200.00} XXXX XXXX XXXX Balance {$570.00} XXXX XXXX XXXX Balance {$510.00} XXXX ( Original creditor XXXX XXXX XXXX XXXX ) XXXX Balance {$98.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

constantly calling my employer,4-6 times a day and hanging up.
Product: Mortgage

XXXX XXXX XXXX  XXXX sold my mortgage to XXXX XXXX XXXX XXXX  XXXX XXXX XXXX for the XXXX : XXXX XXXX XXXX XXXX XXXX XXXX This long-named company (? ) sent a letter dated XX/XX/22 to inform me of the change and to pay directly to my new servicer, which was identified as Selene Finance LP. I have tried repeatedly to get in touch with this company. I can't set anything online to make my mortgage payment, which was about {$610.00} when it was with XXXX XXXX. It is an escrow account. The letter states that the transfer does not affect any term or condition of my mortgage. The letter from XXXX has me identified as Account Number : XXXX and has my correct address : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, AL XXXX. However, the account number is " invalid '' when I use it to establish an online account, and the phone payment automation does not recognize it nor the zip code, nor the four digits of my Social Security number. When I try to wait for a customer service representative, the line disconnects every single time. 
I have researched Selene Finance LP online and the complaints about this company are endless. It has an F rating from the XXXX  in Texas. Almost every complaint is similar to mine : can't contact customer service ; payments not recorded ; non-disclosed charges ; non payment on escrow accounts ; can't obtain mortgage papers ; and on and on. How can a company do this repeatedly to consumers with no redress? 
I. Am. Frightened. because in the end most of the complainants say they lost their homes in foreclosure, and even though some recouped thousands in undisclosed fees, their home was still lost. 
My dad gifted my home to me, and I know no one cares about that, but I am trying to be proactive in preventing this from happening. 
But already, Selene Finance is laying the groundwork, in my opinion, to eventually take my house away from me. They are apparently in the business to acquire assets by whatever means they can. 
Would you please investigate why this company is withholding this vital information from me? 
Meanwhile I will mail my payment to the address given in the letter and take a photo of it should you need to see it. 
The address on the letter is : Selene Finance LP, Attention Customer Service Department, XXXX XXXX XXXX, XXXX, TX XXXX. The website address is www.selenefinance.com The address in the letter, word for word, for XXXX  is : " XXXX  XXXX XXXX XXXX XXXX XXXX XXXX for the XXXX : XXXX XXXX XXXX XXXX XXXX XXXX not in its individual capacity but solely as owner trustee for XXXX  XXXX Acquisition Trust XXXX XXXX  XXXX XXXX XXXX XXXX mail XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, DE XXXX XXXX '' Thank you for your help with this matter. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

After carefully reviewing my consumer report XXXX XXXX, XXXX XXXX, Transunion LLC, and XXXX XXXX XXXX are in violation of my consumer report. I have a right to privacy and they have a RESPONSIBILITY that they have completely disregarded to keep my non-public information PRIVATE. the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. In addition, 15 USC 6801 states that reporting agencys have an obligation to keep my NON-PUBLIC information private. Which is obvious XXXX XXXX has not. 

15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. XXXX XXXX never gave me the option to OPT OUT of credit reporting. With that being said Ill add that 12 CFR 1016.7 states that " A consumer may exercise the right to opt-out at any time. Well Im opting out of credit reporting services IMMEDIATELY since XXXX failed to comply with the law and decided to SELL my personal information without my consent. Finally, 15 USC 1681C ( a ) ( 5 ) states no consumer reporting agency can report ANY other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. Which Ive never been convicted of a crime but XXXX should be for defamation. 


XXXX, XXXX, and Transunion are in violation per 15USC 1681a ( 2 ) ( a ) ( i ) stating- the term consumer report does not include : all transactions or experiences between the consumer and the person making the report.
Product: Debt collection

this collection has aged out and they are still trying to collect, according to XXXX law there is a XXXX  year expiration on these collections.
Product: Credit reporting or other personal consumer reports

Hard inquiries I did not authorize are listed on my report. Kindly delete these inaccuracies.
Product: Student loan

Complaint is with Georgia Student Finance Authority. On XX/XX/2020, wrote a letter to this private student loan creditor to verify that this account belonged to me. Responded by sending a letter that stated Borrower Identification is missing. I wrote an letter on XX/XX/2020 asking them to remove this account from my credit report. They have not removed the account from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was compromised because of Equifax and their incompetence. Upon learning that my information might be compromised, Equifax made no attempts to contact me. I had to find out from an online non related source that my information was possibly compromised. So the date that I found out is XXXX/XXXX/XXXX, but the date of the breach is unknown to me. Now I have to monitor and possibly freeze my credit. I can anticipate having my identity stolen and the pain that comes with they. All thanks to Equifax being incompetent, lazy, and criminally negligent.
Product: Credit reporting or other personal consumer reports

Ive been trying to get the XXXX date corrected for a long time. And Equifax has failed to correct the problem. So now that it has been XXXX  years since filing XXXX, i want them to delete it from my report. Because legally they have to.
Product: Debt collection

Hello and thanks for your response. In your response you stated your office has spoken with me multiple times which is not true. May you please attach documentation of me calling your office and speaking with anyone in regards of a debt that I do not owe. I again do not stay in the state of Mississippi. This is going against many violations and I would love to see some supporting documentation. This debt is causing me distress and stopping me to provided for my children. Hopefully we can resolve the matter. 

The debt is from the following dates XXXX, XXXX2019 and XX/XX/2019 in the amount of {$590.00} and $ XXXX {$2500.00}.
Product: Checking or savings account

I deposited a check through the mobile deposit app on Thursday, XX/XX/year>. According to the Expedited Funds Availability Act in the Reg CC, I should have been given access to the funds today, with it being the 6th business day. They sent me a letter on XX/XX/year> saying the funds were being held until XX/XX/year>. This exceeds the 5 business day model and they would not release the funds, causing me to reach out to family in order to pay my bills. This is not what I needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

My TransUnion report shows " XXXX '' closed. I do not know what XXXX is, and when I search online, it says it is a hard credit inquiry. I have no recent credit applications, so this does not seem logical.
Product: Debt collection

I received a notice from Titan Receivables, INC referencing XXXX XXXX XXXX. Prior to this notice, I have not received a call or notification from XXXX XXXX XXXX stating that I still owed anything. I thought my XXXX was fully exonerated. Furthermore, after receiving this notice in XX/XX/XXXX, I called Titan to ask them about the noticed they 've sent. I told him I had no problem making monthly payments but was just confused because I thought it was exonerated but he said no. Titan reported this " Debt '' to the credit bureau which I felt was very harsh. I 've received one notice in XX/XX/XXXX and no prior notice from XXXX before they turned the account over to titan. I do n't think its right that this account be on my credit as derogatory and I already made plans on making payments. I will like this debt off of my credit as I will continue to make payments as I always do with any of my accounts. I did n't received proper notification from titan or XXXX XXXX and its not like I 've been given chance after chance or contacted about this debt. I 've received one letter and that 's it. Now this debt is on my credit. This is so not fair.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX To : Experian XXXX XXXX XXXX XXXX XXXX XXXX **Subject : Request for Removal of Incorrect Phone Number from Credit Report** Dear Sir/Madam, I am writing to formally request the removal of an incorrect phone number that appears on my credit report. The details of my request are as follows : Name : XXXX XXXX XXXX XXXX. 
Social Security Number ( last XXXX digits ) : XXXX Date of Birth : XX/XX/XXXX Phone Number to be Removed : ( XXXX ) XXXX According to the Fair Credit Reporting Act ( FCRA ), I have the right to request the correction or removal of inaccurate information on my credit report. The phone number mentioned above is incorrect and should not be associated with my credit profile. 

I kindly ask that you investigate this matter and update my credit file accordingly. Please remove the erroneous phone number from my report and send me a corrected copy once the changes have been made. 

I have attached a copy of my identification ( State ID ) and a bank statement to verify my identity and address. 

Thank you for your prompt attention to this matter. I expect that the inaccurate information will be investigated and corrected within the timeframe required by law. 

Sincerely, XXXX XXXX XXXX XXXX. 

**Attachments : ** - Copy of ID - Proof of Address ---
Product: Checking or savings account

Us bank closed my account then reopened to steal government funds from me. Bank would issue credit then reverse. I need final statements.
Product: Credit reporting or other personal consumer reports

there is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be BLOCKED and DELETED. My request to block is not being made in error ; nor is my request to block is being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. 
The identified transactions are not information related to any transaction by me as the consumer.

Based on 15 U.S Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 business days after the date of the receipt It has been 30 days and you are in violation of this law because I am a victim of identity theft! please delete these items as soon as possible!

These accounts and inquiries should not be furnished on my consumer report as they are in violation!! Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTIONS of the consumer to whom it relates.

I never gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

PLEASE DELETE THESE ACCOUNTS IMMEDIATELY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE DELETE THESE ADDRESSES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE DELETE THESE INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX MORTGAGE XXXX XX/XX/XXXX XXXX XX/XX/XXXX FCRA law 15 USC 1681 I have not given written permission to put anything on my credit profile have violated me pursuant to 15 USC 1681 B the permissible purpose of Consumer Reports you have no permissible purpose by law to contact third parties with my private and personal information your offenses amount to aggravated identity theft pursuant to title 18 USC felony punishable 1028A in addition to civil liability up to {$1000.00} per violation you are also in violation of 15 USC 1692 my instructions are for you to delete these accounts immediately.

PLEASE AND THANK YOU.
Product: Mortgage

I NEED XXXX XXXX MORTGAGE STATEMENT. MY PREVIOUS COMPLAINT WAS CLOSED BY XXXX XXXX WITHOUT FULFILLING MY REQUEST FOR XXXX XXXX MORTGAGE STATEMENT. I NEED THIS STATEMENT BY XX/XX/2023 TO PROVIDE TO A HOUSING COUNSELOR FOR MORTGAGE PAYMENT ASSISTANCE. PLEASE PROVIDE ME THE STATEMENT ASAP. THANK YOU!
Product: Credit reporting, credit repair services, or other personal consumer reports

My bankruptcy is still on my credit report for more than 9 years
Product: Credit card

I have a charge on my Chase Visa account from XXXX for services that I did not purchase. I have sent letters and called both companies, and am having absolutely no luck getting this issue resolved. From Chase, I simply want them to change the status of this charge to a dispute status until this issue with XXXX is resolved. I see no reason why I should be charged interest on a purchase that I did not authorize. I have called Chase several times and I have sent a letter to their CEO office in an attempt to get their help. To date, there has been no progress.
Product: Mortgage

We started our VA loan mortgage with DHI Mortgage due to buying a home through DR Horton and in order to get " incentives '' offered by the builder ( i.e. money towards closing costs, home upgrades, etc. ). We have had nothing but problems with both DR Horton and their mortgage company DHI Mortgage ( who originated our loan under the guise of " you have to use DHI Mortgage to get all these wonderful incentives '' ) since buying our home in XXXX last year. We received a notice from the mortgage company that bought out our loan from DHI, stating that our escrow account was UNDER FUNDED the entire first year of us living here and because of that, our house payment would be increasing by {$320.00} a month!!! That is outrageous!! After calling around and doing the research, it came to light that the " escrowed property costs over year 1 '' on our original loan paperwork and the amount on the property tax assessment record they provided at closing were 2 different amounts. When I called the XXXX County property tax office they told me that our mortgage originator and our closing attorneys were legally responsible for making sure our escrow account had enough to cover those property taxes since an escrow account is the account your mortgage company uses to pay your property taxes and homeowner 's insurance. I tried to call every number I had, or could find online, for DHI Mortgage, all of which are a " number that is not in service ''. I called the closing attorney, and they told me the same thing the property tax office did. The closing attorney wrote us a check for the prorated tax amount we never received from the builder. They also told us that we should not have been able to close because the amounts did not match. After still not being able to reach DHI Mortgage, we decided to drive up there on our lunch break today, XX/XX/20, and speak to someone face to face. We spoke with XXXX XXXX, and he openly admitted that DHI Mortgage was instructed by DR Horton, quite a few years ago, to base all loan paperwork 's " escrowed property costs '' on a class 3 homestead property exemption which is literally HALF of what it is supposed to be when buying from a home builder. If a property is still under the ownership of a home builder, it is LEGALLY required to be taxed based on a class 2 non-exempt property. Meaning that EVERYONE that has bought from DR Horton was supposed to have a significant house payment DECREASE after year 1.
Product: Vehicle loan or lease

I sent a request to WELLS FARGO to validate my auto contract on XX/XX/XXXX. Along with this request was a copy of my original auto contract in its entirety. WELLS FARGO responded to my request with a letter of validation and a few pages from the contract they had on file. The auto contract pages that WELLS FARGO submitted to me, all had fraudulent signatures. Not one of the signatures were my own. This was undeniably evident when compared to the original. I reported this through CFPB and again WELLS FARGO replied with a letter of validation and pages from the fraudulent contract and closed the case. On XX/XX/XXXXXXXX XXXX  XXXX XXXX XXXX, a WELLS FARGO rep called me to inquire about a XXXX complaint filed through CFPB. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX While I had the rep on the phone, I'd asked him why WELLS FARGO did not acknowledge the fraudulent contract and only replied back with the same pages that are fraudulent. I was told that the only way to address the issue was for me to bring WELLS FARGO to court. I was also informed that my vehicle would be charged off and set for repossession in just a few days ( I had stopped making payments after learning about the fraud with the expectation that WELLS FARGO would remedy this situation in some way in my favor ). The rep strongly encouraged me to call the payments line as soon as I hang up with him to avoid repossession of my vehicle with no regards to the fraudulent contract. I emailed him the next day XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX to review our phone call so that I can have some sort of written confirmation of the information given to me ( call XXXX XXXX ). The auto-response email WELLS FARGO sent states that inquiries would be answered in XXXX business days, it has been XXXX days with no response to my email. Here is what I need to know specifically from WELLS FARGO : 1 ) Is my vehicle in danger of being repossessed? 2 ) Is bringing WELLS FARGO to court my only resolve to having the fraud addressed? If these 2 questions are answered, I can have clarity and have a better understanding of how I need to proceed.
Product: Mortgage

Myself along with my Title Attorney have been attempting to receive a payoff quote for my mortgage currently serviced by LoanCare. I  submitted my initial request on XX/XX/2020 providing both a mailing address along with a fax number. After no communication from LoanCare for almost two weeks I submitted another payoff request on XX/XX/2020 again with a mailing address and fax number. Still zero communication from LoanCare. I have also attempted to reach them by email at XXXX on XX/XX/2020 I have attempted to reach them by phone as well. Unfortunately they have a fully automated system. The only way I can speak with a live person is if I act like i want to refinance my home. When I explain my situation to them I once again get forwarded to the automated line. 

Not receiving the payoff quote is costing me interest daily along with the additional money for the tax credit I will owe the buyer of my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two accounts and some inquiries on my report that after contacting the company and trying to get more information they were unable/refused to give me info to verify the account because whoever set up the account used information that I don't know outside of my personal information so they said i had to file a ftc report XXXX Not sure how its to protect me if I am telling them that I am me and i never set the accounts up. I have attached a copy of the Identity Theft report as well as copy of my ID. The accounts that are fraudulent are as follows : XXXX XXXXXXXX inquired on XX/XX/XXXX ; XXXX XXXX 1 inquired on XX/XX/XXXX ; XXXX XXXX inquired on XX/XX/XXXX and XXXX  in quired on XX/XX/XXXX. The only thing that makes sense is someone at the lending company misused my info because I was preapproved when i purchased my home so I never gave my info to have them to check for financing. When I called the lender they confirmed they never tried to run my credit because I had a preapproval that covered the cost of the home. With that being said, inquiry law that applies here is 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) To credit reporting agency The inquiry was not authorized. Ddi not consent to unauthorized inquiry.