23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Selene finance has modified my original agreement without my knowledge or consent. 

Therefore, I state that my original agreement could have been returned to its original state before covid pandemic. 

With that, I did not have to be coerced into signing a forbearance agreement. 

Proper guidance was not provided via subject matter experts of the financial industry. 

I have forwarded this dilemma to my chain of command and base XXXX legal XXXX. 

I have complied to all available instructions given, along with my own due diligent research. 

Before my forbearance I requested alternative methods during the covid pandemic. I was given two options : forbearance or deferment. 

Once Selene finance received my mortgage, I requested for my mortgage to be restructured in a way that I would not face financial hardship. 

Without my consent, my mortgage was changed, leaving me to believe that both institutions wanted me to suffer during and post covid. 

Selene financial is now blocking my emails and ignoring all means to communicate.
Product: Credit reporting or other personal consumer reports

Dear Sir or Madam : I am a victim of identity theft. I am writing to request that the credit bureaus delete and block the following fraudulent information from my credit report Account name XXXX  XXXX reference # XXXX XXXX XXXX XXXX  XXXX reference # XXXX. XX/XX/XXXXXX/XX/XXXX I wrote multiple laters and sent proof of XXXX police reports and they have yet to resolve my issue
Product: Debt collection

This company ( midwest service bureau ) contacted my husband first about some medical bills. He offered some sort of payment option, the lady he spoke to refused and said she would only take the whole amount and nothing else. ( She also asked him why he went to the doctor if he couldn't afford it anyways! ) I called her back because i couldn't believe they were refusing any sort of payments. When i talked to her i offered to put XXXX   down and pay XXXX  a month, which she refused and told me she was going to write down that i was refusing all of the options she gave me! My husbands bill was XXXX, now i have made several payments towards that account and she still calls me saying she is going to start garnishing mine and my husbands wages.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an auto loan from XXXX XXXX XXXX XXXX, and I have always made my payments within 30 days of receiving the statement. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX XXXX XXXX. and they said their system mistakenly put me as I was outside of the 30 day grace period and they charged me a late fee, XXXX XXXX XXXX XXXX. has advised me to contact credit bureaus and get this matter resolved. As you can see, I have always had a stellar payment record. I tried contacting XXXX, Equifax, XXXX, and XXXX XXXX XXXX XXXX. with no successful resolution.XXXX, Equifax, and XXXX reporting me 30 days late. There was an error on their part. I was never 30 days late three times.
Product: Debt collection

Receive a voice message ( call was from a spoofed NY number ) from someone identifying herself as XXXX XXXX. Did not state what company but stated that she has some paperwork for me to sign. She has a request under my name and ss #. She stated that she would place me on her schedule and I must sign for the documents regarding a claim that an office placed against me. Stated the paperwork would be derived on XX/XX/18. If I had questions I was to call XXXX with reference # XXXX. 
I called the office on Saturday morning they were closed but identified themselves as XXXX XXXX XXXX. I have seen other complaints on your site about this company as well. I called the number again today ( Monday XX/XX/18 ) and spoke with XXXX XXXX. He stated that I had a defaulted contract with XXXX XXXX. I requested to see the information in writing via US Postal mail. He wanted to email the info, I again requested the information in writing. How do I know that this isnt a scam? 
Received another voice message from XXXX XXXX ( XXXX ) same spoofed number as before. She stated that since she had not received information from the client she was going to go ahead and stop by my residence and to have the paperwork signed. When I attempted to call her back the line is busy. Confirming that it is not a real phone number. 

On XX/XX/18 I accepted a settlement with XXXX XXXX, per our email. I also provided them with the banking info as requested in the time frame requested. The next day I emailed them and they told me that I missed the deadline. Which is absolutely erroneous. I provided them with the requested information appropriately 2 hours after the request. This should not be a matter for me to be threated to sue or any other threat imposed. XXXX XXXX with XXXX XXXX XXXX certainly didnt try to assist with contacting XXXX XXXX person either. I am VERY concerned here. Assistance with resolution is most appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my problem : I have not seen the movement on my credit score that I should see, here 's some facts : 1. On XXXX XXXX 2017 my credit score was XXXX I had one account that was 85 % added to limit another account with 94 % of its limit. I had 17 accounts never been late ; no bad credit whatsoever. 2. XXXX XXXX 2017 my credit score was XXXX I have 17 accounts no lates nothing negative I was at XXXX out of approximately {$8800.00} in my credit utilization. 3. Now XXXX XXXX 2017 my credit score is only XXXX and actually went down XXXX points, I have paid down the three accounts that I have and i opened a new account with a {$4000.00} credit limit i have 18 accounts. I now owe {$2400.00} out of a possible {$12000.00}. There is no way my credit score should be this slow and I am complaining and seeking your help they are intentionally keeping my score low.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$32000.00} ; XXXX XXXX XXXXXXXX Balance : {$2200.00} ; XXXX XXXX XXXXXXXX Balance : {$1300.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$6300.00} XXXX XXXX XXXX ; XXXX XXXX ; XXXX, XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, CA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act & CARES Act, XXXX XXXX XXXX Account # XXXX has violated my rights. 

Fair Credit Reporting Act : 15 U.S.C 1681 section 602 A. States I have a right to privacy. 

15 U.S.C 1681 section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 166b A creditor May not treat a payment on a credit card account under a open end consumer credit plan as late for any reason. 

CARES Act : 17 SEC. 4021. CREDIT PROTECTION DURING COVID-19 18 Section 623 ( a ) ( 1 ) of the fair Credit Reporting Act 19 ( 15 U.S.C 1681s-2 ( a ) ( 1 ) ) is amended by adding at the 20 end the following : 21 ( F ) REPORTING INFORMATION DURING 22 COVID-19 PANDEMIC. 



Below are the late Missed Payments in question : XXXX XXXX XXXX 30 Days Late Reported on XX/XX/XXXX XXXX XXXX XXXX 30 Days Late Reported on XX/XX/XXXX XXXX XXXX XXXX 30 Days Late Reported on XX/XX/XXXX XXXX XXXX XXXX 30 Days Late Reported on XX/XX/XXXX XXXX XXXX XXXX 30 Days Late Reported on XX/XX/XXXX XXXX XXXX XXXX 30 Days Late Reported on XX/XX/XXXX XXXX XXXX XXXX 30 Days Late Reported on XX/XX/XXXX XXXX XXXX XXXX 30 Days Late Reported on XX/XX/XXXX XXXX XXXX XXXX 30 Days Late Reported on XX/XX/XXXX XXXX XXXX XXXX 30 Days Late Reported on XXXX XXXX I spoke with a customer service representative with this company and was told I would be on a payment plan and that there will not be any late payments reported a month before and during the pandemic of XXXX.
Product: Mortgage

Citizens One has not credited my mortgage escrow account with interest since the inception of the mortgage loan in XX/XX/2016, in violation of Massachusetts General Laws chapter 183, section 61. 

I contacted Citizens One who said that there is no interest being paid on the escrow account ( attached ) and MA Division of Banks and was told that Citizens One is in violation of this law and that they are regulated by CFPB. I was advised to file a complaint with CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXXXXXX 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 XXXXXXXX XXXX XX/XX/XXXX
Product: Student loan

SCHOOL MISCONDUCT APPLICATION was denied with no explanation as to why or if any additional evidence/info was needed from me to get the application approved.
Product: Checking or savings account

I filed a claim for fraud on my Bank of America checking account on XX/XX/year> for XXXX. 

I received notice that they weren't approving part of my claim for {$520.00} and would be removing my temporary credit. Because they believe I authorized or made the transactions. 

I called to dispute their decision and the associate told me to write a letter and fax it to claims dept to reopen the investigation which was again denied. 

These charges were not made by me and I can't even talk to anyone who investigates these transactions.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX Account number XXXX Date openedXXXX  Status Paid, Closed. 
Status updated XX/XX/year> Credit limit {$5100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The judge issued orders in my divorce decree XXXX XXXX XX/XX/XXXX date of court entry that my ex was ordered to pay XXXX ( XXXX ) off on XX/XX/XXXX, date of the home sale with those funds. It was left delinquent 90 days into XXXX and is on my bureau reports. I attempted to contact XXXX myself and they assured me that my name was not on this account, however that was all they could tell me, so how was this then reported as my delinquency? I sent complaints to all three bureaus full of documentation. They never responded and never removed it. Transunion sent a copy of my report with the XXXX account entered twice, once correctly and never replied to removing the incorrect one. They have her new address on my report in XXXX, her family home in XXXX XXXX and other homes I've never lived in. They also don't list three paid off homes, another in XXXX, TX, 10 cars, 50 credit cards, or student loans for XXXX XXXX.This false information is causing rejections and inquiry alerts that continue to mount as she continues to do whatever my ex is doing. 
I also sent XXXX a certified letter-to XXXX XXXX at the NY Corporate office asking why the XXXX account is closed. I lost XXXX in bonus XXXX money with the loss of this card. The tracking number is XXXX USPKI sent on XX/XX/XXXX. I received no answer and no {$500.00} in earned money. Their people applied my payments from a checking account they entered incorrectly-one digit off and charged me XXXX per error, and I paid it immediately on the telephone with my acct number in hand-no problem. THEY WERE ADVANCE PAYMENTS. I went to their XXXX XXXX location and no one would help me. I want my money that I deserve, My bureau shows never late and I never receive If it was investigated it would have been repaired! 
I am a highly educated man of means and I demand they repair their errors.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts and items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove the following items : XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX, XXXX XXXX XXXX has been trying to say, that this debt was mine. It is not. I only found out about the debt after it appeared on my credit bureau. Because it never belonged to me, it never came to my address. In or around XXXX, I started seeing this collection from XXXX XXXX XXXX. I despites it with XXXX XXXX, and it was resolved. Then 6 months later, they sent it to another collection company. And they reported it to XXXX. I disputed it, and there it was also resolved and removed. Then another collection agency got the file and Experian reported it. I again disputed it and was successful. Then again another credit agency reported it and Experian once again adds it again to my credit file. After they already took it off a few months prior. I am repeatedly disputing the same charge from XXXX XXXX XXXX. Now Experian says the collection company certified their collection. This cant be possible, as I have never lived at the address of this dispute. I have never even lived in the city. This is not my debt. I moved in with my boyfriend in XXXX of XXXX. After I rented my home in XXXX. I have not had electric service since I moved. XXXX XXXX XXXX transferred the service to the renter, and closed my account and returned my deposit and I do have a receipt showing it was paid in full. I sent that to XXXX and have had no problems with them regarding this issue. There is no way they can certify this debt is mine, because I know I moved from my XXXX house to my XXXX house. I bought the house in XX/XX/XXXX and I rented my XXXX house in XXXX of XXXX. XX/XX/XXXX, was the last time I had electric service in my name. This has already been disputed and resolved numerous times and I should not have to repeatedly dispute the same collection just because they moved to a different collection agency.
Product: Debt collection

Feldman & Stern, XXXX XXXX, XXXX contacted me to collect an amount claimed to be due to XXXX, XXXX XXXX, XXXX for {$99.00} for amount due when my membership was cancelled. I gave written notice to cancel in XXXX 2014 and never received a request for payment until this call. Was told if I could n't provide registered mail receipt immediately that I would be sued for the money. Requested I make payment by check over the phone. I refused and was told I had to send a money order via over night mail. Until I get more information from the business I do not intend to make any payment. No amount is due based on actions I took. It could be bad practices by this health club and/or an illegitimate debt collector.
Product: Credit reporting, credit repair services, or other personal consumer reports

Got email from EQUIFAX. went online to review it ( XX/XX/2019 ), put all my information in, again as usual Equifax online system doesnt work. I called their # XXXX, again after answering full name ss # address mortgage amount and bank, previous car loan bank name, my credit card company and other questions, still denied dispute results cause it " was not me '' told them mail results then I gave you my address and I have given you state drivers license. It's still not me, FCRA VIOLATION? I even told them what company dispute was about ( only l would know that ) yet it's not me. I'm so fed up with bureaus employees ( bad speaking English ones ) dont know the laws. So lm denied dispute results, it's a joke and Equifax needs to fix their online portal..
Product: Checking or savings account

On XX/XX/XXXX, while attempting to do an Early Access loan against a future Direct Deposit, Fifth Third bank took the amount I borrowed ( {$60.00} ) from my checking account and applied it to a credit card they claimed I had back in 2006. I have never received any paperwork with regarding to this account. In fact, I do not remember having such an account back in 2006 ; 14 years ago. Supposedly, the number of the account ends in XXXX. 
I do not owe Fifth Third any money and I believe their action is fraudulent. Afterall, if the cost is legitimate, why did it take 14 years to deal with it ; and then, only when I do an Early Acess to pay for my prescriptions. Frankly, I do not even recall having such a credit card.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX, XXXX was never late! I have had exceptional payment history with XXXX XXXX, XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

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

I demand the late payment reported in months that are reported late to be removed.

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

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


XXXX XXXX, XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


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

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

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and have been a victim of identity theft for over 11 years. The following 2 accounts and credit inquiry are fraudulent : XXXX/XXXX XXXX, XX/XX/17, XXXX/XXXX XXXX, XX/XX/17,  XXXX/XXXX XXXX XXXX XXXX, XX/XX/17, Further, I want the following personal information added to my credit report : Employer : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, ND XXXX, Phone : XXXX Position : XXXX XXXX XXXX XXXX Annual Salary : {$150000.00}
Product: Vehicle loan or lease

The Toyota Financial Services page made a double payment on my account before the screen was even loaded. I called customer service immediately when it happened ( XX/XX/XXXX ). The customer service rep told me they couldnt interact with the payment until it processed but they put a note in and said the over paid amount would be refunded to me once it processed. I waited a few days for the refund and when it didnt appear I called back. The second customer service rep told me I had to wait 10 days after the payment posted on ( XX/XX/XXXX ) to file for a refund. Then it would take 7-10 days for the refund. I explained what happened and what the first rep told me. I was told there is nothing that can be done on their end until the XXXX of XXXX. I asked why the first person lied to me and was told there was a note of a call but no details on the first call. They told me I could dispute it with my bank but then it would appear as a late payment. The lady then just ignored what I said and said good day and ended the call.
Product: Mortgage

we were purchasing a bank owned home that needed work done. we were " sold '' a 203k loan by XXXX XXXX  out of XXXX, CT because this was our best option, with the promise that all receipts had to be collected and a HUD inspector was working in our best interest. XXXX XXXX   said it would hold our mortgage until the work was finished. Our loan was sold to freedom mortgage before the first payment was made. They never collected the subcontractor 's licenses/insurance information. {$140000.00} was paid out to the contractor ( XXXX XXXX    XXXX XXXX ) and the work is nowhere near completed. A subcontractor ( XXXX XXXX  XXXX XXXX, not a licensed plumber ) completed the plumbing work, and per a licensed plumber that came in confirmed everything needs to come out and be re-installed. everything they touched has to be redone correctly. we are now going through arbitration with the contractor, but I feel like the bank should have done a better job. I reached out to our HUD inspector multiple times and he never involved the bank. he advised me to just sign the checks so we didnt hold up the work. I am now paying a monthly mortgage on the full amount of the loan plus the additional money for the improvements. I have asked the bank if there was something we can do ( we were supposed to refinance after the work was completed, should have only taken 6 months ) we are going on 12 months. we can not afford this mortgage and I am trying to avoid foreclosure and ruining my credit.
Product: Credit card or prepaid card

Starting in XX/XX/2022 I called XXXX and canceled my {$9.00} a month membership and I also disputed it with Chase, my credit card company acct ending in XXXX. Since XX/XX/2022, so over 1 year I called XXXX 5 times and have disputed this charge with Chase each month. Chase has credited my account each month except one but when I called to complain they stated that they can not stop the charges if the merchant ( XXXX ) keeps putting the charges through. I told them I did not authorize XXXX to continue putting charges through and this is fraud and Chase still claims there is nothing they can do about it even if I cancel the card they will still continue putting it through each month and I would have to continue to call each and every month like I have been for over a year now. This is criminal on both XXXX and Chases part neither one wants to do a thing about this, XXXX XXXX XXXX