23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In XX/XX/XXXX, XXXX XXXX transferred the mortgage to XXXX XXXX and Selene Financing became the servicer. The mortgage was a part of bankruptcy proceedings at that time. ( Attachment pages 3 and 4 ) In XX/XX/XXXX, the outstanding balance on my mortgage was {$89000.00} ( Attachment page 6 ) Between XX/XX/XXXX and XX/XX/XXXX, Selene Financing did not apply payments received from Trustee to my account. At the end of XXXX, the outstanding balance on my mortgage was {$87000.00} ( Attachment page 5 ) The calendar year XXXX payments were NOT applied to my account. XXXX XXXXSelene Finance communicated to the Trustee, bankruptcy attorney, and bankruptcy court my mortgage was in arrears. The Trustee and bankruptcy attorney would only discharge my bankruptcy once I paid the alleged outstanding balance of approximately {$14000.00} to Selene Finance. ( Attachment page 1 ) In XX/XX/XXXX, through the bankruptcy attorney, Selene Finance recommended a HAF ( Housing Assistance Fund ) grant to cover the alleged arrears on the account. 


By XX/XX/XXXX, Selene Finance was aware they would receive {$18000.00} from North Carolina HAF, {$14000.00} to apply to the alleged arrears, and the remainder was to cover future mortgage payments. ( Attachment page 7 and 8 ) The payments I made through the trustee beginning in XX/XX/XXXX had applied to my account in XXXX XXXX more than a year later. ( Attachment page 1 ) After receiving the NCHAF funds in XX/XX/XXXX, Selene Finance acknowledges payments made by me through the Trustee but does not apply the funds to my outstanding balance. ( Attachment page 1 ) In XXXX and XX/XX/XXXX, Selene Finance did not appear in bankruptcy court to explain the misappropriation of funds. On XX/XX/XXXX, my bankruptcy was XXXX. 


On XX/XX/XXXX, as retaliation for allegations of fraud, XXXX XXXXSelene Finance provided an erroneous update to credit reporting agencies, negatively impacting my credit score by XXXX XXXX 


As of XX/XX/XXXX, XXXX XXXXSelene Finance shows an outstanding mortgage balance of {$67000.00} which does not consider all funds I paid through the Trustee and funds received by NCHAF. 


In XX/XX/XXXX, the county presented a tax bill for payment. The tax bill underestimates my property value by nearly {$100000.00} as XXXX XXXXSelene Finance has sold off approximately a quarter acre of my lot during my bankruptcy. 


Note : Attachment page 1 is a download of account activity from selenefinance.com
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX ACCOUNTS HAS VIOLATED MY RIGHTS! THE OF ACCOUNTS BELOW HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALITY UNDER 15 USC 1681 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 : ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 



AXXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Cards XXXX TransUnion XXXXXXXX XXXX  Credit Cards XX/XX/XXXX XXXX XXXX XXXX XXXX Credit Bureau Inquiries XX/XX/XXXX XXXX XXXX XXXX XXXX Personal Loan Companies XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Credit Unions XX/XX/XXXX XXXX XXXXXXXX XXXX - XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Credit Cards XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX Credit Unions XX/XX/XXXX TransUnion XXXX XXXX - XX/XX/XXXX XXXX XXXX All Banks XX/XX/XXXX XXXX XXXX Sales Financing XX/XX/XXXX TransUnion XXXX XXXX Bank Credit Cards XX/XX/XXXX TransUnion XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX Auto Loans XX/XX/XXXX TransUnion XXXXXXXX XXXX Auto Loans XX/XX/XXXX TransUnion XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX  XXXX Bank Credit Cards XX/XX/XXXX TransUnion XXXX XXXX Auto Financing XX/XX/XXXX TransUnion XXXX XXXX  Credit Unions XX/XX/XXXX XXXX XXXXXXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Loans XX/XX/XXXX TransUnion XXXXXXXX XXXX Auto Loans XX/XX/XXXX TransUnion XXXX XXXX XXXX  Auto Financing XX/XX/XXXX TransUnion XXXX XXXX XXXX Auto Loans XX/XX/XXXX TransUnion XXXX XXXX Auto Financing XX/XX/XXXX TransUnion XXXXXXXX XXXX  Auto Financing XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Dealers , Used XX/XX/XXXX XXXX XXXX XXXX Auto Dealers, New XX/XX/XXXX XXXX  XXXXXXXX XXXX XXXX Auto Loans XX/XX/XXXX TransUnion XXXX XXXX Auto Dealers, New XX/XX/XXXX TransUnion XXXX Auto Loans XX/XX/XXXX TransUnion XXXX XXXX Auto Loans XX/XX/XXXX TransUnion XXXX XXXX XXXX Auto Financing XX/XX/XXXX TransUnion XXXX XXXX XXXX Auto Dealers, Used XX/XX/XXXX XXXX XXXX XXXX Auto Dealers, New XX/XX/XXXX TransUnion XXXX XXXX XXXX Auto Dealers, Used XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX XXXX All Banks XX/XX/XXXX XXXX  XXXXXXXX XXXX XXXX  Auto Loans XX/XX/XXXX TransUnion XXXX XXXX XXXX  Auto Financing XX/XX/XXXX TransUnion XXXXXXXX XXXX Auto Loans XX/XX/XXXX TransUnion XXXX XXXX Installment Loans XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Dealers , Used XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Dealers XXXX Used XX/XX/XXXX XXXX XXXX XXXX Auto Dealers , New XX/XX/XXXX TransUnion XXXX All Banks XX/XX/XXXX XXXX XXXX XXXX XXXX Miscellaneous Contractors XX/XX/XXXX TransUnion XXXX XXXXXXXX XXXX Credit Bureau Inquiries XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX CHILD SUPPORT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. the XXXX credit bureaus to validate these accounts. It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX  XXXX XXXX XXXX : {$530.00} XXXX XXXX XXXX XXXX Balance : {$610.00}
Product: Debt collection

I received notice once again, as a court doc from Hiday & Ricke PA. regarding court records with XXXX bank, records that are closed in the court systems, some sort of debt that is TIME BARRED FROM XXXX... The XXXX stated they were contacting a current credit card that I am in good standing with unrelated to XXXX- and they XXXX  for information of my PERSONAL BANKING INFORMATION, I then received an email from the credit card company I currently use, explaining if they didn't receive a court order to not give my information, they were obeying Hiday 's request for my banking information as well as other personal information ... However, my credit card company never sent a formal letter in the mail, so I did not answer it, I suspect phishing.. In addition, I was an employee of this HIDAY, in another affiliate office, located in XXXX XXXX, working in their debt collection dept several years ago.. HIDAY had my banking information from payroll and during the pandemic, went into my bank account and emptied all my money and left me with nothing .. After some correspondence with the Florida Attorney General and XXXX XXXXXXXX XXXX XXXX.. My money was returned and after 10 years of having my account, I was forced to close it due to any more surprised and unauthorized garnishing... This Hiday is a 3rd party debt collector with no proper staff of attorneys and no one to answer their phones properly.. They use XXXX  WORKERS AS THEIR ATTORNEYS AS NEEDED.. They also go by the name of XXXX to trick the consumer to think they are a car dealership debt collector as well ..I like to remind this collector, a NEW LAW was put into affect, collectors of old debts can not be obtain anymore... They can talk with the state senator who put that new law into place after hearing my story... In addition, I sat down with XXXX XXXX  2 YEARS AGO TO GO OVER MY FIANANCIALS IN GOOD FAITH, IF ANY... I was told by the banks branch that was old debt they couldn't give any details because it was from XXXX  and sold off ... At this point I feel once again MY PRIVACY RIGHTS HAVE BEEN INVADED... I will be following suit for that...
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I received a letter from XXXX XXXX XXXX XXXX XXXX stating that I owe XXXX XXXX {$4300.00}. I did not give authorization for XXXX a third party and to take over XXXX XXXX account. When I called XXXX XXXX a copy of the signed documents showing that I gave them authorization they never sent it to me. Now it is XX/XX/2023 and I would like this off my credit report it is giving me a negative report and would like to have this off immediately.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Barclay 's Bank Delaware regarding an inaccurate credit card debt of {$9000.00} on my credit report. I have disputed this XXXX times, yet Barclay 's Bank Delaware continues to verify the account without providing proper validation. This is a violation of my rights under the Fair Credit Reporting Act ( FCRA ) as the information is inaccurate and unverifiable.
Product: Credit card or prepaid card

1. Ive been waiting on a disputed refund/reversal since XX/XX/2020 from MyVanillia.

2. I did a return to a department storeon XX/XX/2020. I explained to the department store that I didnt have the card I initially paid for my merchandise with. The department store accommodated meby putting my refund on my prepaid cardbeing that I had a proof of purchase label. 
3. The XXXX  at MyVanillia ( XXXX XXXX ) ..., have deactivated my cardand refuse to release MY MONEY!  I have sent the RETURN RECEIPT to their FRAUDULENT ass company several times. My PATIENCE is wearing! As it isIve been waiting an UNCONSTITUTIONALLY LONG time for my other disputes. Yes, Im PISSED!
Product: Credit card

The issuing company, USAA, phoned me and told me the XXXX credit cards I had with them had been compromised & that they would have to issue new ones. OK, an inconvenience but not a problem. I have been a customer of USAA for 54 years. I asked if they could expedite shipment of at least XXXX of the cards since I do use them ( or have been able to use them 'til now ). They said OK, & in a couple of days ( after I had destroyed the old cards as directed ) XXXX new card arrived at my house. I followed instructions to activate it and the voice mail then told me it was ready to use. I later tried to make some small online purchases ( USAA has a record of them! ) with the new card and USAA bank refused to honor it ; the purchase was declined. I called USAA several times, talked to several of their stooges there, all of whom assured that the card was NOW correctly activated, bur when I try to use it the order was declined. I was finally able to place a small order using a credit card from another bank with no problem. In addition the second card that USAA was supposed to send me was returned to them by XXXX. USAA refused to tell me why. I am so far ahead on payments to both USAA credit cards that the minimum payment most of the time is XXXX, so I 'm not behind. I have USAA tracking numbers to prove it. Either their software is screwed up or, since I 'm an old guy, they 'd like to get rid of me after I 've given them 54 years of business, or their war hero CEO who does n't have the guts to put a street address instead of a PO box anywhere that I can find on the USAA website, so that I can mail him a personal, certified, return receipt requested, deliver to addressee only letter, has now hired XXXX, XXXX and XXXX for agents. I call them, they tell me the issue 's fixed, I try to use the card, and the purchase is turned down, and they will not tell me why the XXXX card has been returned to USAA, and at the very last call ( a day ago ) the latest agent ( a woman ) said I 'd have to call ahead of time and get permission from Mommy at USAA before I could use the card that I do have.
Product: Checking or savings account

On XX/XX/year> i opened a checking account with chase bank. 
That same day i deposited a XXXX issued check in the amount of {$8100.00}. 
By XXXX XX/XX/year> I was told by chase bank that the check was fraud and could Not be verified or validated however I was told by the issuing bank that the check has already been validated and verified and funds were sent to chase bank already. 
Ive called chase numerous times only to be met with attitudes from their representatives unwilling to help. 
I am currently homeless and do not have an address which was the next issue. Because chase canceled my account once I am finally able to receive those funds bank theyre going to try to mail out a cashiers check which is not an option and they will not provide me with any other options. 
Ive since asked for the original check back but they refuse to give it. 
I cant help but to feel like this is a case of racism because there is absolutely no reason for the account to have been closed that quickly, for chase to accuse me of fraud or for the funds to be held when theyve already been sent to the bank.
Product: Bank account or service

I am a victim of identity theft. Several years ago my bank, XXXX, had a data breach. My sensitive information including name, social security number, date of birth and address were sent to over XXXX people. Several accounts were open in my name without my knowledge or consent. These accounts were opened as a result of this identity theft. Later I also suffered a hack due to XXXX and XXXX. I have attached documentation of the identity theft and hack. I disputed this directly with the company and did not get a response. I am disputing these accounts due to identity theft.
Product: Credit reporting

I am filing this complaint because Experian has ignored my request to provide proof with the documents that their company has on file that was used to verify the accounts I disputed. They have gone past the 30 days and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " promptly delete all information which can not be verified '' that i have disputed. Please resolve this issue as soon as possible. Thank you,
Product: Credit reporting or other personal consumer reports

trans union has information that is outdated on my report that needs to be removed
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have 87complained times. The problem has not been resolved. my fico has me at a credit score over 719 XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 120 days straight with XXXXXXXX i spoke to a representative agent name XXXX and XXXX XXXX and XXXX and XXXX and XXXX and XXXX XXXX from the fraud department they don't help waste ever and lie saying that its been disputed but come to find out was never disputed which is causing me more XXXX I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution.next step is to take XXXX  to court to sue for defamation of character of my name and damages that was caused to me They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 120 days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 87 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im depressed now. nobody helping me and XXXX XXXX XXXX XXXX XXXX no more i cant get aproved for anything which is casing me even more XXXX
Product: Credit card or prepaid card

Hello, I live in XXXX. I have a credit card with Wells Fargo, which I have had for over 10 years. I also have a deposit account ( Checking + Savings ) linked to that credit card. 

On XXXX I received a letter informing me that my deposit account will be closed for the following reason : " Our records reflect that the above-referenced account has one or more account holders with a non-US address on file which does not meet this new requirement. '' The XXXX of the problem : My credit card with Wells Fargo has an outstanding balance on it which I pay monthly. Without a deposit account, I have no way to make a payment on that credit card. 

I work for a XXXX company and am paid my salary in XXXX into a XXXX XXXX account. Once a month, I send yen to my Wells Fargo Checking account and use that to pay my credit card. Without a deposit account, there is no way for me to transfer that payment to my credit card balance. My account will accrue interest and eventually ruin my credit. 

How is this possible? How is it legal for a bank to delete your ability to give them money, and then charge interest on a balance they know you have the means but no procedure available by the bank itself to pay? 

I can not visit a branch. There is no branch in this country. To fly to the nearest branch, I would need to buy an airplane ticket that costs the same as my credit card balance ... with a credit card. 

It should be noted that both my Wells Fargo checking, savings, and credit card accounts have long had my XXXX address attached. They mail my statements here. 

On XXXX I spoke with the Wells Fargo Checking and was heavily pressured and berated to give verbal authorization to close the account. I refused until they could tell me how I can continue to pay my linked credit card product. 

I then spoke with Wells Fargo Internal `XXXX Credit Card Advocacy Group '' ( XXXX ) and expressed the same concern. They created case # XXXX and promised to follow up. As of today, they haven't contacted me at all. 

I am being placed in a situation, designed by Wells Fargo, where they have boarded up the deposit window to my line of credit to let the account accrue interest and fees. It would be funny if it were a joke in a XXXX comedy. 

This is super messed up. Help. 

EDIT : When I set my home address country to " XXXX '' your online form returns error : " Failed to save complaint ''. When I set it to United States, it allows me to send the complaint. My country is XXXX, my state is XXXX, XXXX XXXX and my Zip is XXXX. It is the same as the attached document. The fact that I can't submit the complaint with my address is also... super messed up. Will you actually help?
Product: Debt collection

I filed bankruptcy XXXX XXXX, and after doing so, received a letter stating I owed for services I did not receive ( From XXXX ). I sent emails several times, XXXX XXXX, XXXX XXXX, as well as sent a letter dated XXXX XXXX, and made contact through XXXX ( several times ), who said they would tell the branch manager to call me. I spoke with the branch manager ( approximately 2 weeks ago ) and informed him of the bankruptcy and he said he was aware and would update his records and cease communication with me to collect the debt. I received a statement dated XXXX XXXX, XXXX from A.R.M. Solutions, Inc. on behalf of XXXX. This is very frustrating and causing so much XXXX as I explained my financial situation on top of being unemployed since XXXX XXXX. I wish to file this complain in regards to the statement of facts and recover any monies as imposed by the company violating the bankruptcy law.
Product: Mortgage

I applied for a Loan Modification in XX/XX/XXXX with the assistance of a Hud Certified Housing Counselor. Submitting multiple loss mitigation applications. I have responded to every document requested by U.S.Bank. I presently have a letter from USBank requesting additional information by XX/XX/XXXX. In viewing my Deed, USBank recorded foreclose on my deed XX/XX/XXXX, and also placed this action under the name of someone who is not on the mortgage. I have also received correspondence from a " Law Firm for " NOTICE OF INITIAL CASE MANAGEMENT CONFERENCE '' on XX/XX/XXXX. I need clarity as to what is going on. I spoke with a relationship Manger at USBank yesterday and was told my package was complete and I should receive an answer within 4 weeks. This process has been like a nightmare switiching of relationship Managers, losing my submitted paperwork, recording non payment to the credit bureau when I was told by a representive at USbank NO PAYMENT WAS DUE XX/XX/XXXX SINCE THE LINE OF CREDIT WAS MATURING never provided an offer for my Loan Modification Request.
Product: Payday loan, title loan, or personal loan

Initially borrowed XXXX from Net Credit and they were not clear as far as what their repayment schedule was. It was my understanding the repayment amount quoted to me was per month, and it ended up being every week! The interest rate is ridiculously high and I called to adjust my payment schedule which it took forever to talk to someone after being put on hold forever and they were rude and couldnt help me lower the payments. After I made the payments I could and then no more, they sold the account to an aggressive collection agency XXXX XXXX, that immediately reported it to the credit bureau that calls about 5 times a day starting at XXXX XXXX. XXXX ( XXXX ) XXXX among other numbers. Net Credits interest rates are way too high. I had already repaid over {$850.00} of the {$1000.00} due and now they say I still owe a total of {$1500.00}. And that is supposed to be a good offer. I would never use that company again. They prey on people that need some temporary help and its a nightmare with terrible customer service.
Product: Debt collection

For months Portfolio Recovery has called and called. I have ask for proof of debt and have sent them 2 letters requesting calls to stop. As of XX/XX/18 the calls continue on a regular basis and all from different numbers and I have not received a single document from original creditor to show debt is valid.
Product: Credit reporting or other personal consumer reports

I got an email from XXXX XXXX which is part of Transunion. They said there was a critical alert on my account and that I should log in and follow the procedures. When I tried to login they wanted to verify my email. So they sent a code to my email. I entered that code and they replied that my account was suspended because the log in was incorrect. But it was not incorrect. I entered everything correctly. They gave a phone number to call to restore my account. But the number was different than the number listed on the transunion website. But I called it anyway. A person with a foreign accent answered and began asking many questions about my personal financial information. I told them to cancel my account and I would not give them anymore personal information. Then I called the actual number on the website to complain and the lady was rude and again asked for multiple personal pieces of my information. Even though I did nothing wrong and followed all the proper steps, these people still suspended my account and treated me like a criminal. I asked her to terminate all my accounts. I would like to report this company for harassment and fraud regarding my financial accounts. They are supposed to monitor my financial accounts. But instead they harassed and tried to fraudulently obtain information about me for no reason.