23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Selene Finance refuses to honor my Homestead Exemption for being a 100 % XXXX Veteran. It looks as if they have already paid this years taxes but have not received any confirmation on this. Per multiple phone conversations, Selene Finance is to backpay the difference that I paid from XX/XX/2024 to Present once the Homestead Exemption is applied. However, they are not applying my homestead exemption to my mortgage. This has been the worst mortgage company I have ever worked with and this needs to be escalated to the highest level. Selene Finance LP needs to add my homestead exemption to my account and backpay the difference that I have been paying for a year now. They also need to refund the months that I paid a higher mortgage that was around {$4200.00} when my mortgage was {$3500.00}. This happened due to an issue in the escrow account that was caused by Selene. They are not properly managing my escrow account or my property taxes.
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. 

And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681. 

Experian is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give XXXX written permission to furnish these accounts. 

Accounts : XXXX XXXX XXXX XXXX XXXX {$540.00} account number XXXX XXXX XXXX XXXX XXXX  {$870.00} account number XXXX XXXX XXXX XXXX XXXX  {$410.00} Account number XXXX XXXX. XXXX XXXXXXXX XXXX XXXX {$430.00} account number XXXX XXXX. XXXX {$660.00} account number XXXX XXXX XXXX XXXX XXXX {$910.00} account number XXXX XXXX XXXX XXXX XXXX  {$990.00} account number XXXX XXXX. XXXX XXXX XXXX {$9300.00} account number XXXX XXXX. XXXX XXXX  {$470.00} account number XXXX XXXX XXXX XXXX XXXX {$240.00} account number XXXX XXXX. XXXX XXXX XXXX XXXX {$1500.00} account number XXXX XXXX. XXXX XXXX XXXX XXXX {$1300.00} account number XXXX XXXX Credit usage {$450.00} account number XXXX https : //www.ffiec.gov/exam/InfoBase/documents/02-con-fair_credit_reporting_act-000799.pdf In accordance with the Fair Credit Reporting act XXXX Account # 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.

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.

The accounts list in the above paragraph 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.
Product: Checking or savings account

On the evening of XX/XX/XXXX I received a phone call from someone posing as a Wells Fargo employee calling from the XXXX Wells Fargo line. I was told that there were fraudulent transactions on my checking account and that my funds needed to be moved to a safer location temporarily. I was instructed to transfer XXXX increments of {$2000.00} totaling {$10000.00} to another account that I thought Wells Fargo had set up for me for this. Normally, if I were to make any kind of a large purchase or transaction I would receive a notice from Wells Fargo asking if these were transactions made by me or not. Had Wells Fargo alerted me to these fraudulent transactions I would have known immediately that I was being scammed. Wells Fargo was silent, I never received a warning by text as I normally would. The transaction stayed on my account and now Wells Fargo is denying responsibility. I have filed reports with the police, the FTC, the Social Security office and all three nature credit bureaus.
Product: Credit reporting or other personal consumer reports

Approximately XXXX weeks ago I contacted TransUnion to remove a non-mailable addresses from my credit report, pursuant to 15 U.S. Code 1681b ( a ) ( 2 ) and 15 USC 6801 thru 6809 and16 CFR 313.7 ( f ), and as of today they have not provided any assistance in the matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX claims I opened an account with them on XX/XX/2021 for {$1000.00}. I have never opened an account and know this to be fraud. I have disputed this account and each time they claim it not fraudulently opened. First they say I have made 2 payments in XXXX and XXXX and only owe {$450.00}. I have checked my bank statements from my only bank account and have never made any payments to XXXX. XXXX refuses to provide any answers as I am not a account holder but on my credit report says that I own the account. I have never received any information via mail, email, electronic communication or phone. I have never wet signed it electronically signed any documents pertaining to this debt or account.
Product: Bank account or service

Someone opened an account with PENFED Credit Union under my name last XXXX 2015. I found out about this this past XXXX. I have called PENFED 6 times, faxed them my police report 3 times and have yet to hear from them with any followup from the Fraud Dept. I am very concerned that there is no follow up or concern for resolution with this issue.
Product: Debt collection

Hello, this company placed a debt collection on my credit file without notifying me first. As a result my credit has been impacted negatively. They finally sent me written communication stating that if I paid a settlement amount that this debt would be removed from my credit report by XX/XX/2021. I have paid the settlement amount in full and I have verification of that payment along with verification of the letter that they sent me. This collection still remains on my credit and it is after XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

This is my multiple endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Transunion credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. This account need to be investigate and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

According to fcra section 605b it illegal to report anything on my report without my permission.remove these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX for XXXX on my transunion report
Product: Money transfer, virtual currency, or money service

On XXXX XX/XX/XXXX I made account on Lending Club to search for lenders for a debt consolidation loan, I input my debt and requested loan. I receive a better quote from XXXX XXXX XXXX and I accepted and payed my debts, 3 days later I check my account and saw my accounts had been paid again. I was confused. I looked up Lending Club and found the first loan request had been approved and had paid my debt. All I requested was a loan. I never signed a promisary loan or any other paperwork. I requested refund from all accounts had been paid twice. I paid account to the full Im 3 days and explained to them I never signed any documents and she told me when I hit submit I gave consent. I hit I submit to request a loan. None of the documents In this account are signed by me. I requested they close account and they stated I owed XXXX Im processing fees, I told the, processing fee for a loan I did not approve. This borders on criminal. People should know what fees they are paying before agreeing to a loan that I paid back in 3 days. They used a power of attorney to sign my documents but I did not give anyone a power of attorney, please stop this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX # XXXX, has violated my rights. 
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 reporting agency can furnish a account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account Under an open end Consumer credit plan as late for and purpose.
Product: Credit reporting or other personal consumer reports

I recently checked my credit and noticed fraudulent accounts I contacted the ftc and they told me to contact the cfpb to get accounts removed.
Product: Credit card or prepaid card

In XX/XX/XXXX, I requested reversal of fraudulent charges with Capital One on my credit card. They were reversed, and I requested a new credit card with a new number. Capital One has changed my account number, but has continued to let charges through on the old number. Also, THey have refused to issue a new card in my name. I asked them to close the account today, XX/XX/XXXX, and they refused.
Product: Mortgage

I have a mortgage with Nationstar, I fell behind because my husband was injured at work and was out on XXXX. I tried to make a payment to pay the mortgage current with the full amount past due, I was told I needed to pay attorney fees as well, they made me wait a week to get the payment meanwhile everyday the amount goes up. I finally get the payment they want which is XXXX dollars more then what my actual past due balance is, then they tell me i can apply for a modification, I applied and sent in everything they asked for, it took 2 weeks to hear back ( still accruing more fees ) finally I get a rejection on their website ( that I checked every single day ) and no explanation as to why. So now I am stuck having to find things to sell just to get this extra XXXX dollars in attorney fees to pay them current so they will accept the payment. I feel like it is set up so companies can take advantage of people already struggling. It should not be allowed for them to be able to reject a payment that does not include fees that the company opts to incur. I did not ask them to get an attorney I have been trying to catch the mortgage up, the attorney benefits them not me, why should I have to pay for it. I just want to pay them what I owe them and they reject it. 
Unfair to the consumer. 
Inconsiderate to people who are stuck in a temporary situation. 
Nationstar mortgage AKA Mr.Cooper only has one goal and that is to foreclose.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach and have been impacted by identity theft. As a result, unauthorized accounts and inquiries have appeared on my credit report. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request that the following accounts and inquiries be blocked and deleted from my credit file immediately. 
Unauthorized Accounts XXXX. XXXX Account Ending : XXXX Opened : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX Account Ending : XXXX Opened : XX/XX/XXXX Amount : {$450.00} Unauthorized Inquiries XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I send a Letter out 30 days ago to XXXX, XXXX, XXXX. .How ever its been 30 days and the credit bureaus failed to send my investigation back. This is not making is not making any sense. 


According to the law 15U.s code S 1681i- Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly though a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine wether the disputed information is inaccurate and the Current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end 30 day period beginning on the date on which the agency receives the notice of dispute from the consumer or reseller.
Product: Debt collection

On XX/XX/XXXX, I received a Summons from XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, SC. XXXX. The Summons was filed by XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, MI. XXXX. 

The Summons appears to be related to an unpaid balance of {$2100.00} that, although charged off, was originally owed to PayPal Credit or PayPal Credit Card by : XXXX XXXX, XXXX XXXX XXXX, XXXX TX. XXXX. I do not know any of the dates involved. 

I know nothing of this debt. I have never had a PayPal Credit Card or an account with PayPal Credit nor have I ever lived in Texas. I have lived at my current address since XXXX and have lived in XXXX XXXX, Ohio since XXXX. This appears to be some sort of mistaken identity but I know nothing else about the debt except that I am not the person who owes it. I have filed an Answer with the court stating the above. 

I received no other information prior to receipt of the Summons. Since the Summons, I received a notice from XXXX, signed by XXXX XXXX, stating IT IS SO ORDERED ( not signed by the judge ) that they may attend a PreTrial Hearing by phone. I subsequently received a true notice from XXXX XXXX Municipal Court denying the XXXX phone attendance. I have also received an Affidavit of Fraud from XXXX XXXX XXXX in which they are asking for various types of information, including a police report. However, I am not aware of any type of fraud. To me it appears that either XXXX or XXXX XXXX XXXX just found my name somewhere and sent me a Summons hoping that I would pay. However, as I have stated, I have never had a PayPay Credit Card nor an account with PayPal Credit and I have never lived in Texas. I do not see any indication that this is identity theft. I see this as an attempt to collect an unpaid debt through intimidation, hoping that I would do whatever I could to avoid court. At this point, it seems like the burden of proof has been put on me rather than XXXX, when it should have been them verifying that I am not the person they are looking for, rather than just their intimidation after finding someone with a similar name.
Product: Credit card or prepaid card

I received a statement on XX/XX/2022 telling me my payment was due on XX/XX/2022. My account was set to autopay, at the time. Instead of taking the payment out of my account on the due date, the company attempted to collect the minimum payment on my account on XX/XX/2022 without my knowledge. On XX/XX/2022 I received a notification that the payment failed. This company tried to take money out of my account weeks before the due date, I use multiple bank accounts and have funds available in those accounts based on due dates. Upon further investigation, I noticed that had done this the previous months as well. 

Fast forward to the end of XXXX, right before the payment is due, I attempt to make a payment through their mobile app with no luck. It seemed as though there was a glitch with the app, so I figured I would wait and try again later. A few days later I tried to make a payment again. The app did the same thing. It would not let me click on on any of the payment options. I assumed it could have been the company freezing my account due to the previously failed payment earlier in the month, even though that had not notified me of any such thing. I reread all of the terms and conditions and did not see anything of that sort. Then I ran across an email from them saying they " removed/revoke '' my XXXX XXXX account from my profile with no reason why and no follow up on how I can and should make payments going forward. 

I emailed their customer service on their app. I received a generic auto reply that said someone would reach out to me in a few business days. That did not happen. After waiting a few days, I reached out to their customer service again through email. Waited the stated number of business days, but still did not receive any response. I followed up by emailing them through my actual email account instead of the app, and still received the auto reply. I researched their phone number, but there's no possible way to make contact with an actual human, they only have automated messages. So, I went to the XXXX XXXX XXXX to leave a one star review. Sure enough I read reviews from other customers who received the same lack of customer service response. However, I did notice the Grain company responded to the negative reviews leaving their email address. After leaving my review, I emailed them two more times the same day ( see emails attached... the other emails sent through the app do not allow you to receive a copy, just the generic reply which is also attached ). I am simply trying to make a payment on this account. They should not be able to get away with lack of response. This should be illegal. They also should not report to the credit bureaus.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian and XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, both credit agencies consistently respond within XXXX hours stating that the account is accurate without providing proof of a substantial investigation. This practice violates the Fair Credit Reporting Act which mandates a reasonable investigation of all disputes. I request that the CFPB take action to ensure that Experian and XXXX comply with the law and provide consumers with necessary proof of investigation. Account names are as listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX* US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX
Product: Mortgage

I have a conventional mortgage with Specialized Loan Servicing ( SLS ) that  includes an escrow component. I never wanted the escrow component but was lied to my mortgage broker ( XXXX XXXX with XXXX XXXX  ) who told me it was a requirement in Colorado. 

Despite holding thousands of dollars in the escrow account, SLS frequently issues demands for additional escrow funds. If you use auto-pay ( as I presume most people with conventional, fixed rate mortgages do ) you have to adjust the auto-pay amount and submit a separate, additional payment to SLS. 

If you do not meet SLS ' demands right away, they will begin charging late fees. Worse, when they do receive your payment, they will misallocate the funds in such a way to keep your account in arrears so they can charge additional late fees. For example, on my XXXX statement, they claimed a total amount due of {$1800.00} which included {$120.00} in fees and surplus escrow demands. I paid the full {$1800.00} but my XXXX statement showed an " uncollected escrow '' amount of {$23.00} and threatened additional late fees. When I finally got someone from SLS on the phone ( never a simple task ), they claimed the {$23.00} was applied to my principle rather than the escrow account. 

This makes absolutely no sense. By misallocating the money they demanded for my escrow account to my principal they were intentionally manipulating my account to keep it in arrears. If this isn't fraud, I don't know what is.
Product: Debt collection

I have disputed this debt multiple times and have not been getting the correct information I have asked for. The dispute started with XXXX and XXXX and this company has said they are reporting correctly to the credit bureau 's when in fact they are not reporting correctly at all. I have not received an actual validation of debt, only a bill saying that I owe the debt. This company needs to send me the correct information that I am asking for and not just a bill, or needs to be removed from my credit report for incorrectly reporting. They have sent me a letter stating they have spoken with the original holder of the debt and have looked at their notes, but they still do not report to the bureau 's correctly. Because of this it needs to be removed from my credit report.
Product: Debt collection

In 2015 I went in to have some dental work done by XXXX XXXX. We began the process but was unable to finish because I moved to the state of Florida. Though we did not complete the process I was still charged in full. I was unaware until I received the bill from the collection agency that I still owed XXXX XXXX 's office. Despite not agreeing with the charge I still payed in full immediately.