23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I missed 3 mortgage payments back in XX/XX/XXXX to Selene Finance for my home payment. In XXXX I attempted to make payments to " catch up ''. they would not allow any less than 4 payments even two payments or even 3 per their " rules and guidelines '' I then attempted to get a modification XX/XX/XXXX... ..during this process I was not allowed to make any payments except the full arrear balance which compiled monthly as did fees etc. Selene finance takes 30 days to respond to any inquiry or if any information is needed or a page is not initialed etc they have 30 days to respond. I have several email requests stating my case and my fears of fees accruing and the risk of default and or foreclosure. I was not given a modification until XX/XX/XXXX which is 8 months after I applied. During that time, they filed for foreclosure, index number, threats, stress, pressure, weekly drive by and hit our family dog with their truck, damaged our property and yard and continued to assess legal fees hoping I would surrender the home. I hired a lawyer to help me in XX/XX/XXXX and by XX/XX/XXXX I paid the requested amount of {$25000.00} in which only {$23000.00} has been accounted for on my statements. I attempted to make my monthly payments online with no success, I tried calling Selene and it is impossible to reach a live person. I have requested a live person for 90 days now with zero assistance. I have managed to pay XXXX, XXXX, XXXX payments online but I can not reach Selene Finance to discuss my loan or to discuss removing late fees as i was unable to process a payment through their requested online payment system. It is 100 % to reach a live agent ......
Product: Credit reporting, credit repair services, or other personal consumer reports

The company Accurate Background at XXXX XXXX XXXX XXXX in XXXX, CA provided completely innacuate information to a potential employer and refuse to take accountability. 

The information that they provided was incorrect, and the process to fixing this situation has been extremely difficult. Multiple employees have lied directly, as well as, indirectly. 

I was specifically told that I would receive documentation explaining the specifics of the mistakes that were made. It has not happened. 

Accurate Background informed the employer that I have a " criminal record ''. Their report showed that the disposition was " still pending ''. Neither of these were correct. The case was closed on XX/XX/2018 and the disposition was an infraction. Even if I was guilty of crime, which I was not, how could I have a " criminal record '' without a conviction? Either way this matter is looked at, this company has caused damages that are irreversible. Truly damned if I did, and damned if I didn't. 

They are refusing to provide documentation describing their fault in this matter, even after numerous promises. Multiple employees have provided poor, unreliable, and false information. Some employees seemed to create department names, and position titles, and other employees stated those departments and titles did not exist. My best inference is that these employees simply do not want to do the job that are employed with. There are hours of recording that exposes this downright scary, and possibly unconstitutional business practices. They are completely incapable of effectively providing this service. They have tried to place blame on the courthouse. The courthouse clerk has stated and verified twice that it has been filed correctly since 2018, and that possibly someone is misinterpreting the reports on Accurate Background 's behalf. I was told multiple times that they have contacted the clerk, but can not offer a name, and that Accurate is at " their mercy ''. The clerk stated on multiple days that this never happened. I believe that the clerk is 100 % telling the truth. 

I have spent hours, and hours of time, trying to resolve something that is absolutely pertinent to my survival, and to no avail. Over a week has elapsed, regarding something that could be resolved in minutes with a phone call to county courthouse clerk.
Product: Credit reporting

I had XXXX credit card accounts with XXXX banks for which the debt was forgiven and I was issued XXXX forms. Cancellation of debt. I then, when ahead and reported both accounts on my personal income taxes for XX/XX/XXXX and XX/XX/XXXX, and paid accordingly to the IRS. The account has been written off and taxes have been paid on the amount forgiven, XXXX bank has been given the tax write off but they are still reporting a full balance for both account on my credit report. It should be reported a zero balance as the debt has been cancelled/forgiven, the have already taken the tax write off from the IRS and now they still want me to pay in order to report a zero balance to the credit bureaus. This would be double dipping for XXXX bank, getting the tax write off and then still collecting the cancelled amount on both accounts. Partial account numbers are : XXXX and XXXX, full account numbers are reflected in the attachment.
Product: Checking or savings account

On XX/XX/XXXX an unauthorize ACH Transaction of {$5000.00} was taken from my account On XX/XX/XXXX another unauthorized transaction of {$5000.00} was taken from my account Filed a claim with Bank Bank Rep input the wrong amount of {$18000.00} when it was actually {$10000.00} Bank Denied Claim Appealed Claim Filed Police Report Bank denied 2nd appeal With not provide me with any information or specific documents used to make this decision Bank will not allow me to talk to an investigator I have called the bank daily and I am getting nowhere They say the only way to talk is if new information is discovered but I have given all information
Product: Credit reporting, credit repair services, or other personal consumer reports

This is becoming VERY annoying at this point. I have issued fraud alerts, filed police reports, called ove r 25 tim es ( check the records ) and yet and still someone is not only using my information but applying for the same things over and over. Im at work as I type and received an alert from a credit protection company that I was just denied a loan that I clearly did n't apply for. Ive asked ov er 20 tim es for these inquiries to be removed. I did not authorize any of them and im ready to take legal action at this point. Please remove the following accounts with month and dates :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    .    I will not continue to send letters and call and talk to the RUDE reps who are of no help. My next step will be legal action.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX never gave EXPERIAN, any written consent to report anything on my consumer report. I sent a dispute letter to the agency over 2 months ago regarding account XXXX and they have failed to verify this account. The credit bureaus were also notified that my information was compromised in the XXXX data breach. The collection agency that is claiming that I owe an alleged debt to their agency has failed to validate this debt. There was no original contract with my signature, no forward flow agreement, or 1099c sent to me. XXXX has since removed this account. Also note that Experian and XXXX are reporting different dates for the date of last activity which is a violation of the FCRA. All data furnished should be consistent and accurate. Attached is my credit report to show the error. I will attach the dispute letter sent on XX/XX/2023 which is dated, and time stamped. I am requesting that the following unverified account is removed from my credit report within 10 days : XXXX XXXX XXXX XXXXXXXX.
Product: Debt collection

National Credit Systems reported a false account of {$360.00} from XXXX XXXX XXXX in which neither never notified me in writing or verbally of. I have contacted XXXX XXXX XXXX XXXX XXXX numerous times & was never made aware of {$360.00}. XXXX submitted the {$360.00} in retaliation for an issue in which they were liable for a broken water heater in cased completely in a wall that damaged a lot of my clothing, shoes, and other items. Mold resulted in the walls & vents. I never paid late or owed XXXX  XXXX XXXX Anything. 
XX/XX/2020 XXXX pm I was on an 18 minute call w/XXXX  to dispute this account and the rep stated it would take 30 days to investigate. XX/XX/2020 XXXX am I received an email from XXXX  stating the dispute was completed. I called XXXX  and was told the collection verified but no legitimate proof was ever provided by National Credit Systems or XXXX  to verify their false claim. XXXX  is unjustly closing out disputes on behalf of the collection agency without proof or properly investigating. Im unable to dispute online with XXXX  and wasnt provided a reason why when I called. I called XX/XX/2020 XXXX XXXX  on 22 minute call to report the dispute was never properly investigated and closed in less than 12 hours violating my rights as a consumer. I have made multiple calls to XXXX  with no justified resolution. 
XX/XX/2020 XXXX XXXX  I was on a 21 minute call with XXXX  to dispute National Credit Systems and was informed it would take 30 days to investigate. I asked for a confirmation # but the rep didnt have one for me and I was told I could upload documents to XXXX  online although the system doesnt allow me to dispute online. On XX/XX/2020 XXXX XXXX  I received an email stating this dispute was resolved however no legitimate proof or any documentation was provided from the collection agency or XXXX. XXXX  failed to properly investigate this dispute or request any factual documentation from the collection agency to verify. These credit bureaus are violating consumer rights by not properly investigating disputes or requiring collections agencies to provide documentation before affecting the consumers credit negatively. The credit bureaus are only verifying the word of these predatory collection agencies. I have made multiple calls to XXXX  with no justified resolution. 
The same occurred with XXXX  when I previously submitted a dispute for this same collection agency. No documentation of verification was ever provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 : Section 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2 it also states a consumer has furnished an account without my written instructions. 15 USC 1666B A creditor may not treat a payment on a credit card under an open- ended consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Midland credit manaagment has no signed contract binding me to a XXXX and XXXX balance. XX/XX/2020 I do not enter into No agreement with midland credit management. They bought debt from XXXX for XXXX and XXXX from XXXX XXXX XXXX and have no co tract between myself and them. They are fraudulent placing collection and dates I never signed any binding contract with this company I want both account removed off my credit file if they do not have a contract that I have signed with them. They are in violation of my rights and due to Covid they are placing incorrect collections accounts to ruin my credit further. If they can not provide a contract signed between my self and their company I want both accounts removed from all 3 bureaus ASAP.
Product: Checking or savings account

I deposited a cheque of {$900.00} at Citi Bank through the mobile deposit. They then blocked my account after 3 days saying the cheque was fraudulent. I gave them the cheque issue 's name and number plus the address so that they can follow up. I called the issue of the cheque plus the issue 's bank and they said the cheque went through and that funds are available. Citibank said nonetheless they are closing the account after 60days and that funds will be mailed to my address. 60 days later nothing is forthcoming which elapsed on XXXX XX/XX/2020. We are now due by 26 days and Citibank has still not done anything despite persistent calls to them. 
I would like you to assist me recover my hard earned money from citibank
Product: Debt collection

After pulling my credit report I found a report that showed I had a " Return Check '' for {$50.00} to " XXXX XXXX XXXX ''. I wrote the Collection company and the Original creditor : " XXXX XXXX XXXX ''. I heard back from both. 

The collection company, Trident Asset management, LLC, wrote me back stating that they were sending the debt back to the creditor and closing my account. 

I received a call from " XXXX XXXX XXXX '' from a person by the name of XXXX XXXX who called seeking more information. After finding the information she never sent the documentation to me for me to address. How am I suppose to pay a debt owe if the Credit wo n't send me the information?
Product: Debt collection

A debt collector is reporting a collection on my credit, ( portfolio recovery ). They are not original creditor, the creditor is ( XXXX XXXX  ) it was a XXXX XXXX account from about 4 years ago... They are making it seem like this is a new account and I assure you that it is not... I want to sue them for fraudulent reporting and causing my credit to be negative... I can not advance my business because of this reported on my credit profile .... Please help me
Product: Credit reporting, credit repair services, or other personal consumer reports

I became aware when I checked my credit report that this debt collector under the name of XXXX XXXX XXXX has reported incorrect information that I owe the amount {$900.00}, I have sent a notice of state and federal validation of debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a student loan for my XXXX. I was told by the student finance officer the loan will automatically go into deferment and will continue as long as she stays a XXXX XXXX XXXX at XXXX XXXX XXXX UNIVERSITY. From XX/XX/2018 to XX/XX/2018 Granite State Management took the account out of deferment causing it to reflect late payments, without my knowledge or good cause. I was told their system shows my XXXX is no longer in school. My XXXX has been a XXXX XXXX XXXX since initial enrollment. I was told I had to make another request for a deferment. I went to my XXXX  school and told them they need to notify the loan institution of the correct information so these late payments can be removed from my report.
Product: Credit reporting or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete its investigation within 30 days. 

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

I have sent dispute requests to XXXX, Equifax and XXXX regarding the following account numbers : XXXX, XXXX, XXXX and XXXX. The dates of these disputes are as follows : XX/XX/year>, XX/XX/year> and XX/XX/year>. Despite all of these letters sent to these three bureaus, there has been no resolution or corrections. There is also no dispute verbiage on any of the accounts.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect customers but has also allowed repeat offenders to exploit the system leaving users vulnerable to scams. This is a lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit report and discovered multiple billing errors. Billing mistakes under US 15. Code 1666 ( b ) is the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or credit extended to the debtor. a computation error or other accounting error made by the creditor on a statement There should be no late payments on these accounts because, as far as I can tell, the creditor did not give me a statement 21 days beforehand. Because these are obviously billing errors, I demand to see specific documentation from the creditor 's bank account proving that I failed to pay and were considered past due. The disputed accounts are listed below. 
XXXX XXXX  Account # : XXXX Balance Owed : {$1500.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX Account # : XXXX Balance Owed : {$7800.00} Date Opened : XX/XX/XXXX
Product: Credit reporting 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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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. 

I DO NOT NEED YOU TO START A DISPUTE ON MY BEHALF AS I HAVE ALREADY DONE SO AND ( BUREAU ) DID NOT RESPOND/SENT STALL LETTER/VERIFIED AS ACCURATE ( WITH NO PROOF AS REQUESTED ). 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

2nd Mortgage Servicer Planet Home Lending Acc # XXXX allowed 'other ' to access and manipulate my 2nd Loan. When I became aware, I called them ( @ 5 times, last call was 2.5 hrs ) and emailed them ( 3 times, last email stating a complaint seems to be only solution ). What Planet Home Lending & 'other ' did is unknown due to Servicer wont respond and when talking to their Reps, Im just put on hold, transferred or told they do not have that info on their screens. 
Limited time is a huge factor due to needing verification if my loan was paid in full, no longer responsible, transferred, future billings, etc., per buyers statement. Planet Home Lending, 3rd call, stated they dont have to relay any info to me ( name on account ) regarding anything and monthly statement is all that is needed. 
Section for involved person must be checked how and for this, no option provided. Person involved is the Buyer who stated that he finally paid the 2nd off. Buyers statement affected a Court Trial due to Servicer refused to confirm/deny the buyers statement to the Seller, Name Holder on 2nd Mortgage. Is this allowable or Servicer at fault?
Product: Credit card

I received a letter today from XXXX XXXX informing me my XXXX Credit Card was closed due to inactivity. 

- No prior notice to this was sent to let me know my card was subject to closing if I did not make a purchase in a certain amount of time - I just received a new card when they made the name change from Genesis to Concora No information regarding account closing was disclosed either. 

I contacted Concora Credit today XX/XX/XXXX I spoke to front line unit agent XXXX who told me because I did not used my card in the 90 days of opening my card was closed. 

*** my card was opened in XXXX. 

I asked why Concora made such decision without any courtesy notice Agent told me XXXX oversight my terms and conditions sent to me with the new card as its stated there. 

I told her I did not received nothing with the new card and to point me at where in the terms and conditions can I locate that disclosure. 

Agent told me she was not allowed to tell me I then asked to speak to a Supervisor The supervisor XXXX told me the same thing except this time she said from XXXX days since account opening. 

Again my account was open in XXXX & never got an issue for not using it. 
When I received the new card as a consumer I figured I was good to go. 
I then asked where in the terms and conditions I can find such information and could not tell me. 

I then expressed my dissatisfaction as Ive been told such information but nothing to backed it up She then told me Have I not tell you already I have no access to that information & thats when I lost it. 

As a supervisor you should never talked down to a consumer like that. 

So I then asked to speak to her supervisor I spoke to XXXX She was kind and patient with me however did not have the information on where in the terms and conditions was this information provided to me. As well as she is unaware if the place she work for sends letters advising consumers their account is in danger of being closed. 

Overall, it is unfair for my card to be closed with no prior notice. 

I understand as a consumer I should not assume I am good. 

But again after receiving my new card in XXXX no new terms and conditions were sent nor no new package as I was advised by the phone agents.
Product: Checking or savings account

So I found a complaint for unauthorized charges on the XXXX I had a XXXX sweepstakes online gaming places they ripped me off I deposited a bunch of money with them and then where I bought the coins or whatever and then after I won money I tried to cash it out and they closed my account and kept all my money so therefore I did not receive services that I paid for so I filed a complaint with the branch app and I haven't heard anything to this point they generally are not very helpful and I need somebody to step in and make sure that I get my money back I've already lost over {$1000.00} to the sweepstakes casino and I want a bunch of money and I need my bank to come through for me
Product: Checking or savings account

I have tried to open a Savings account with Ally bank online ( application : XXXX ), I called and spend over 1hour and 45minutes and escalated to supervisor on the phone, the translation services was not translating the same information that I was given, the account could not be opened and they claim fraud concerns, they did not provide any other option to resolve the issue, I did explained that is a savings account so I can put part of my salary, I am a XXXX XXXXXXXX that have a legal status in the XXXX, I provided all documents they required and at this point I feel discriminated against. This is unacceptable. I do have evidence of screen capture of time on the call and the letter they sent.
Product: Credit card

Company keeps hiring internal threats. That being employees trying to sabotague customer experiences with provocation of neverending calls in to resolve matters. Latest being a statement sent to customer demanding payment not matching the purchase history depicted on the statement itself. Victim targeted local by criminals correspondingly in terms of burglary/breakin activity ( accessing his safe ), theft from personal vehicle and targeting his usage of his credit instrument ( perpetuating a denial of service at a point of sale terminal ).