23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have been trying to work out a loan modification or some sort of home retention options with a Selene Finance for the last three years. I fell past due on XX/XX/XXXX. When I was diagnosed with XXXX  and had to take time off from work during this time and eventually was let go from my position. During this time, I used up all my reserves and money I had in savings trying to keep food on the table and keep the lights on. I reached out to Selene finance during this time to seek options, but they told me that there was nothing that they can do and that I had to repay back the amount that was due, or they would foreclose. Then by the time I was able to go back to work XXXX of XXXX hit and once again I was unemployed due to COVID. It took me several months to finally land a part time not paying as much. But it was enough to apply for assistance just to get denied again. Each time I applied Selene Finance Would lose my application or documents and would not communicate with me until I received the letter denial, but they would never specify the reason. Selene Finance has not tried to work with me the most recent time They wanted me to put {$8000.00} down. We feel that we were attentionally place between a rock and a hard place because they knew during this hardship we would not have this type of money and are more interested in the equity of my home, they also had a foreclosure sale date while this offered me plan and again Against us each time we've applied for modification assistance, we've told them numerous times about dual tracking, they disregarded and said they were allowed to do this. We submitted for our modification on XX/XX/XXXX, we submitted all documents that were requesting 2- months bank statements, 30 days of pay stubs, 2 years of income tax, a utility bill, hardship letter, MA Form , 4506-t, financial worksheet and they still denied the modification stating the file was incomplete and that they did not have enough time to review it before the sale date of XX/XX/XXXX. We have proof and confirmation that they've indeed received the fax but are refusing to assist us. Now we have a sale date for XXXX the XXXX XXXX, and they're not allowing us any options, only to come up and reinstate the amount of {$18000.00} all we are asking for is to be allowed to be reviewed for a loan modification. We currently have an 8 % interest rate on a single-family residence. The investor on the loan is XXXX XXXX  XXXX. With such a high interest rate I feel that we should have been allowed to be into a lower interest rate Being that we were set up on a predatory loan. Each time weve applied we have never been assigned a single point of contact to be in touch with and let us know the process of our modification. We have requested numerous times for a manager to call us back so we can escalate this and get our file properly reviewed, but we've never got a call back. we feel that this lender Selene Finance are responsible for negligence and Failure to perform on the Loss Mitigation and Dual Tracking of Foreclosure the entire length of the loan modification process. We've asked a Selene to send us the denial letters, but they refused.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX and contacted the police department and obtained a police report XXXX which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : have made. It is the result of identity theft. 
XXXX XXXX XXXX OPEN XXXX {$2400.00} XXXX XXXX XXXX OPEN XXXX {$4300.00} XXXX XXXX OPEN XXXX {$260.00} XXXX XXXX OPEN XXXX {$660.00} XXXX XXXX OPENS XXXX {$1000.00} XXXX XXXX XXXX OPEN XXXX {$1000.00} XXXX XXXX OPEN XXXX {$1300.00}
Product: Debt collection

I received correspondence from XXXX XXXX XXXX about an alleged debt in my name. I have no business dealings with them and have no idea who they are
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove/block this account as they are fraudulent & were opened without my consent or knowledge. 
XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX  XXXX XXXX XXXX Open Date XX/XX/2005 Balance : {$25000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT
Product: Mortgage

Situation Outline : I n 2016  we had a water leak in our home that turned into flood. The water did significant damaged and was only noticed when mold started appearing on the ground floor.     No doubt you are aware of the mold problems California has, this was further complicated by of partners   XXXX   XXXX       We immediate moved to remediate the problem and engaged our insurance company to make a claim against our home owners policy.     The insurance company assessed the damage, we completed the remediation and repaired, and the insurance company paid the claim via cheque.     Unfortunately the insurance company insisted that the cheque for the claim be made payable to my partner and I, and our mortgage company.     We contacted the mortgage company explained what had happen, outline the insurance claim and explained we had a cheque in hand that they needed to endorse so we could cash the cheque and cover the cost of the repairs.     The mortgage company insisted that we endorse the cheque and mail to them for deposit. They provided a documented process that explained that they would help us managed the remediation and they would distribute the money via payments to any contractors that worked on our home.     We explain to the mortgage company that we had expedited the remediation and repairs and they were complete because : - Dangerous nature of the damage - Water and Mold - Expert advice from flood remediation experts that Time is of the essence to avoid further damage or complete destruction of the home - Potential increased cost due to further damage and detrition of the home - Need to make the home habitable to minimize alternative accommodation costs - Need to reduce any health risks my partner We have reported all of this to the mortgage company and started asking for a completion inspection as per their documented process they provided to us with.     We have received no communication or contact from the mortgage company or their agent to complete an inspection. We have written to them dozens of time to try and get them to engage.We are carrying a {$25000.00} balance on a credit card for the repairs and remediation that they have the insurance claim cheque to cover. The interest is over {$500.00} per month.     We desperately need help with these folks and the name of an attorney we can engage to recover our mounting costs.
Product: Credit reporting, credit repair services, or other personal consumer reports

This inquiries are not mine. XXXX remove this off of my credit report please
Product: Debt or credit management

TO : Capital One Re : XXXX cases with the XXXX last numbers below : XXXX, XXXX, XXXX We disputed the following payments on the above cases ( last XXXX digits ) since we hired them one year ago since we were planning to start an online business and they told us that we have to file taxes with all the states in usa and they would do it for us for {$200.00} a month. 
Unfortunately, we never started the business, and they kept charging and I was under the impression that they are reporting our XXXX sales monthly to all the states. 
XXXX weeks ago, I decided to stop this expense and I asked for a cancellation. 
After cancelation, I asked them to please cancel all the states tax numbers nationwide. 
They gave me a {$400.00} price which I decided I can do by my own but when I started calling the list they provided, I found out that they had only applied with a selected few, like XXXX states and thats why I decided to dispute these charges. 
I called many of the states and I managed to close the accounts but when I called the Mass state they told me the taxes were not even filed and I had to first complete those taxes even though XXXX and then close them. I tried online but even the login they gave me did not work. 
They misrepresented their services by giving us the impression that they will need to apply for all states but only did for a few and never informed us. 
Also, I have no idea if these people ever file the taxes for all the other states that I managed to cancel on the phone and did not check the reporting status of those states which may be another upcoming tax problem which we never wanted. 
Please kindly examine the papers I am enclosing for your review. 
Looking forward to your kind reply. 
XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

We purchased a XXXX XXXX XXXX XXXX from XXXX XXXX and XXXX in XXXX, VA on XX/XX/XXXX. The agreed upon price for the vehicle was {$40000.00} plus tax and tag. We told them we were going to finance through our own bank. The sales person said they would be able to give us the same rate if not lower. When we got into finance we were told they were able to buy down our finance rate and actually beat our banks rate by approx. 1/2 a percent lower. He had us sign 2 different contracts with 2 different amounts on them. When we asked why 2 contracts and why they were different he said they needed to show the bank the buy down rate and that the figures were just for the bank. After we signed everything and got home we could n't figure out what all the extra money added onto the loan was for. I contacted the finance person and was told the charges were for extra and extended warranties. We told him we did n't ask for any of these items and none of them were ever discussed or agreed upon to for them to add to our loan. I told him to just void the entire contract and we would finance through our bank as we were going to do at first. He said they could n't do that because the loan was financed and money dispersed the same day we signed the loan. We told him we wanted all the extra charges removed and refunded back towards the loan. I asked where all our paperwork was ref. all the extra and extended warranties and the 2nd contract they had us sign were, because we did n't have any paperwork on any of the stuff he added onto the loan. They said they would XXXX them to me. We received copies for warranties with the finance persons signature on them but not our signatures. Each copy had RE-PRINT FOR CUSTOMER FILE on it. When we asked where our copies with our signature on them was he told us he lost them. They do n't have any copies because we did n't agree to any extra or extended warranties. We were told the 2nd contract had been destroyed. Bottom line is The dealership charged us approx. {$22000.00} in extra charges we did n't agree to. It has been a nightmare trying to get them to rectify this issue. I have called and left messages with everyone from the General manager, district manager, finance manager and sales rep.. They never return phone calls and do n't seem very interested in resolving this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

The bankruptcy court supplied me with a letter that they did not report a bankruptcy to the credit agencies, instead of removing the incorrect information that did not belong to me they instead only removed one of the two errors and told me I have to send in another duplicate letter I already sent them claiming they can only remove one derogatory remark at a time this is the second request they have ignored the first was my request of 9 hard inquiries I did not authorize a letter was sent and now a second letter request was sent and they have failed to address this by supplying me with documentation baring my signature for these items on my credit report so they have disregarded my rights to the fair credit reporting act 611 ( a ) ( 1 ) ( A ). Then XXXX only removed the reporting source of the U.S bankruptcy court but shows as a derogatory public record which did not remove the incorrect derogatory information instead left it on my report without any source of reporting agency information and failed to supply me with the method of verification that I requested and updated my personal information with incorrect information regarding my employment that was not disputed and shown correct before, I have been at the same employer for the past 14 years so there was no reason to make that changes to my personal information without any source of changes from any agency. As well as pulling a hard inquiry I did not authorize with their company. I can only assume they did all of this purposely because of the unprofessional conversation I had with their agency. Their practices in resolving my issues has violated the fair credit reporting act section 611 ( a ) ( 1 ) ( A ).
Product: Credit reporting or other personal consumer reports

I noticed the address being incorrect, I called the credit bureau to dispute. They said they could not remove it because they were attached to other accounts incorrectly. I called the accounts to have updated. Still no change.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX ACCT XXXX ... was placed on my report only about 3 months ago. The account is listed as an original creditor in collection yet the account includes judgment fees attached to an original amount close to 5000 dollars.Experian has investigated twice and the response is " remains '' .The falloff date and date of first delinquency is erroneous, an example of re-ageing.I have attached a letter from the creditor dated XX/XX/XXXX which clearly states that the date of first delinquency is on or around XX/XX/XXXX, the date of agreement to make monthly payments where only one payment was made, then defaulted on the rest of them.That would make the date of first delinquency about 6 years prior to today.I also had attempted to fax this proof to Experian 2 days after having started the second investigation.In a follow up call the faxed in evidence could not be found, it was assumed to be in a " pile to be worked on '' yet the investigation concluded remains and the date of investigation did not change with receipt of the evidence, so it 's unknown what happened to the fax.
Product: Credit reporting, credit repair services, or other personal consumer reports

This isnt my account I never applied or opened a XXXX XXXX account please help remove it
Product: Debt collection

Letter received from XXXX XXXX XXXX XXXX which is representing PayPal debt for my minor son XXXX XXXX. XXXX is XXXX XXXX XXXX. PayPal allowed a minor to open an account. The debt amount is {$540.00}. PayPal itself has already settled internally this amount. PayPal itself never contacted XXXX XXXX. PayPal did no checking to ensure a minor could not open a financial account.
Product: Vehicle loan or lease

My loan matured on XXXX XXXX I knew I had about {$1500.00} in late fees accrued on loan. I contacted Santander before loan matured to try and see if late fees could be negotiated to be able to pay off loan on time. I was advised no that would not be an option for me. 
Once loan matured, I was able to pay the balance owed on loan on XX/XX/21 Balance {$940.00} so that I would only be left w/ late fees to pay later since I did not have the money at this time to pay them. On XXXX XXXX I found out due to credit reporting that they reported me over 30 days past due for principal they state I still owe of {$440.00}. 
I again contact Santander XX/XX/21 spoke to a representative by the name of XXXX. I requested the amount applied to late fees XX/XX/21 of {$430.00} to please be reversed and applied to balance owed. So that I would only owe late fees to pay at later time. Per her supervisor she was advised that would not be able to be done. 
To my prevail prior to this effecting my credit I tried to work w/ Santander In negotiation w/ late fees and I was turned down. After what I thought, I had finally finished paying off my loan they are still maintaining my loan accruing interest, accruing late fees and reporting negative on my credit. 
I believe Santander is in violation of credit reposting on my account and for not wanting to rectify this matter and refusing to work a possible resolution on late fees before all of this occurred. I have enclosed all supporting documents.
Product: Money transfer, virtual currency, or money service

I have sent money before to the wrong contact and or received money from someone I dont know on Zelle and XXXX XXXX XXXX. Zelle doesnt confirm contact with you before sending. Its stressful because when speaking to Zelle they dont help at all. {$50.00}, {$40.00}, {$50.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/21 - Transunion decided to reduce my credit score by 10 due to an account balance going from {$3.00} to {$0.00}. This actually was a fee paid on time a couple of months ago on an card. Nonetheless I literally reduced the balance to {$0.00} and I have XXXX to show for it. This is ridiculous.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including 2 bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

XXXX XXXX {$0.00} XXXX XXXX XXXX {$280.00} XXXX XXXX   XXXX {$1700.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXXXXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX loan is reporting late when the account is closed and no balance is owed.
Product: Credit reporting or other personal consumer reports

I contacted the credit bureaus about inaccurate information reporting to my credit file. I also requested a copy of the original signed contract and a video of me signing the contract and after several attempts to collect this information this bureau has failed to furnish this vital Information which is against the law! According to the Fair Credit Reporting act 15 US code 1681 pertaining to permissible use in regards to reporting this inaccurate and unverifiable information.

I am putting this bureau on notice that the items listed do not belong to me or are incorrectly reporting on my credit file. I have submitted proper documentation and identity verification documents.
Product: Student loan

I was on a repayment forbearance program. I am on government assistance ; which is what qualified me for the program. XX/XX/2017 I recieved communication that I needed to resubmit my documentation from XXXX to continue my forbearance which I did. XX/XX/2017 contacted XXXX XXXX to ask about a notice I received that they no longer service my loan that it had been sent to collections. I should not have been in default! For the last year or more I was working with a creditor XXXX making {$5.00} payments that I couldn't afford! Point is I should never have been taken off of the forbearance program! Now I'm in a tax offset which will take my hard earned money!! There is nothing stopping XXXX from forcing people into default that dont belong!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 
XXXX XXXX XXXX XXXX XXXX, IN XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, IN XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX Balance : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Reported : XXXX. XXXX, XXXX Opened XX/XX/XXXX ( XXXX yrs, XXXX mo ) Account status Closed and No Infromation Account Balance {$590.00} XXXX  Reported : XXXX. XXXX, XXXX Opened XXXX XXXX, XXXX ( XXXX mos ) Account status Open Account previously in dispute - Now resolved by data furnisher Original Creditor Name XXXX XXXX Account Balance {$2800.00} XXXX XXXX XXXX  Reported : XXXX XXXX, XXXX Opened XXXX. XXXX, XXXX ( XXXX yrs, XXXX mos ) Account status Open Original Creditor Name XXXX XXXX Closed and No Information Account Balance {$160.00} I ask them to reinvestigate my accounts I got my investigation back and I noticed they didn't update it or modify my information. From XXXX, Equifax, XXXX. Violation of Credit law 15 U.S. Code 1681i ( 5 ).
Product: Debt collection

I am filing this complaint regarding Zion Debt Holdings a collection agency that reported a debt to both me and my husband 's XXXX credit file without providing prior notification, as required by the Fair Debt Collection Practices Act ( FDCPA ). I sent written correspondence to the collection agency to request verification of the debt, they failed to provide adequate documentation and instead attempted to continue collection and reporting of this outdated account. This debt is over XXXX years old based on the document they sent, which, according to the Fair Credit Reporting Act ( FCRA ), should not be reported on my credit report. I request that the reporting of this debt be removed from my XXXX credit report, as it has unfairly impacted my credit score and violates both FDCPA and FCRA guidelines. Zion Debt Holdings has not removed this from my credit even with my attempt to dispute.
Product: Credit reporting

THIS ACCOUNT HAS BEEN REPORTING ON MY CREDIT REPORT FOR 7 YEARS AND I AM TRYING TO GET A HOUSE FOR MY FAMILY, THIS IS PREVENTING ME FROM IT, AND I WOULD LIKE BASED ON THE LAWS THAT PROTECT ME TO HAVE THIS ACCOUNT DELETED FROM MY REPORT.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a concerning discrepancy on my credit report. Upon reviewing my recent credit report, I discovered an account that is inaccurately associated with my name and it appears to be fraudulent in nature and is not affiliated with me in any capacity.