23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

This is regarding Selene Finance, phone number XXXX. My mother passed and I am the designated Beneficiary of my mother 's home. I occupy the home and have asked Selene Finance on XXXX for a payoff number and any loan papers if I choose to assume the loan. They said they would send me both via email. They sent me via email on XXXX a payoff for a loan that was not mine and had all of another person 's sensitive information. I called and emailed on XXXX to file a formal complaint because I am concerned that my information is also being misdirected. I sent back the portal they sent me and the following : " Dear Selene Finance, The attachment you sent me is not for my mother 's account. This information is for someone that is not associated with our loan nor my mother XXXX XXXX. You illegally sent sensitive information to me. I would like to file a formal complaint and have assured evidence that you did not send our information to someone else. Please respond to this email. '' I did not hear from them so on XXXX I sent another email requesting the same and this time attached the incorrect payoff they sent me versus the portal. I still did not hear back from them and called again today XXXX. Selene Finance then had someone call back named XXXX XXXX ( supposedly from their legal department ). He said it was an honest mistake. I told him as a nurse if something like this happened there is a protocol to remedy the situation. He preceded to say that since I was " perfect '' I could not understand that this is just a mistake and there is nothing to be done. I decided to end the call and file a complaint with the FTC. Also, I still do not have all the documents that I requested originally. Thank you for any help in this matter.
Product: Credit reporting or other personal consumer reports

I accordance with the fair Credit reporting act XXXX Account # XXXX, XXXX Account # XXXXXXXX XXXX XXXX  Account # XXXX XXXX FEDERAL Account # XXXX has violated my rights. 

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 XXXXstructions. 

Please removes these negatives off my credit ASAP. 

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 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 or other personal consumer reports

I am contacting you to request the immediate removal of inaccurate information from my credit report, as it violates multiple provisions of the Fair Credit Reporting Act ( FCRA ). Under Section 611 ( a ) ( 7 ), I have the right to submit a statement of dispute that must be included in my credit file and in future reports provided to creditors if the inaccuracies are not corrected. I am prepared to exercise this right if necessary. 

Under Section 623 ( a ) ( 1 ) ( B ), furnishers of information must refrain from reporting any information they know or have reasonable cause to believe is inaccurate. It is evident that this responsibility has not been upheld in this case. Furthermore, Section 623 ( a ) ( 4 ) mandates that furnishers of information notify the credit reporting agency of any dispute initiated by the consumer. I expect this requirement to be followed promptly. 

Section 611 ( a ) ( 6 ) requires that I receive a written notice detailing the results of any investigation into my dispute, including what action was taken or the reason for the refusal to remove the inaccurate information. Please ensure that I receive this documentation within the 30-day timeframe mandated by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The XXXX Credit Bureau is reporting inaccurate information on ENHANCED RECOVERY COMPAN ( XXXX XXXXT ). Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Mortgage

I received a notice from Shellpoint Mortgage Servicing dated XXXX XXXX, XXXX stating that my mortgage had now been transferred to them. I received the notice on XXXX. I went on their website on XX/XX/XXXX, established a Username and Password and accessed my account # XXXX. It had my correct name and address. At the bottom it clearly stated, " Payment Due Date : XXXX XXXX, XXXX. '' Nothing else. I printed a copy of this and also saved it to my computer documents. I went back a few days later to the website, logged in and confirmed that the same information was still present. 
A few days ago, I received an email saying that I was in arrears for XXXX and XXXX. I contacted their office ( Customer Service agent XXXX XXXX ) who said I had to pay immediately. I pointed out the information that had been on their website, my account, which had NO mention of XXXX or XXXX, only that my payment was due XXXX XXXX, which I intended to pay within that first week. Now, a check of my account is showing that I am, according to them, in arrears. 
I am XXXX  years of age and live on Social Security, which doesn't last an entire month with today 's inflation and gas prices. I relied on the info on their website so it's their mistake and there is no way I can come up with money now spent on necessities. 
HELP!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is inaccurately reporting on my credit file. I have previously disputed this collection account with all 3 major credit bureaus. It no longer shows on XXXX and has been deleted from XXXX. They did not delete it from Transunion but instead marked it as closed. This account needs to be deleted. If it has been deleted from the other 2 it should be deleted from them all due to inaccurate reporting. Below you will find an attachment showing the account deleted from XXXX as of today, XXXX
Product: Money transfer, virtual currency, or money service

My husband and I have a verified Gemini accounts. I was trying to withdraw our XXXX  to a hardware wallet. Gemini then placed a security freeze on the account ( Security hold, Ticket ID : XXXX ). Gemini then requested that I send in the following information which I did : 1. A view of your full face 2. Your ID that was used to register with Gemini. 
XXXX. A handwritten note that states the current date and says [ XXXX ] underneath Apparently that was not enough. Then I had to send in this information : How did you find out about Gemini? My husband. 
Has anyone instructed you to open this Gemini account or requested payment through Gemini? No Have you shared your account credentials with anyone? No Why did you open a Gemini account? To help my husband mange finances and invest. 
How did you discover the wallet address? I created it on a hardware wallet. 
Please confirm the actual wallet address to which you'll be withdrawing : XXXX ( XXXX XXXX ) Please confirm the platform, program, site, app, group, or entity that hosts the wallet / issues the wallet address : Its a hardware wallet. I own the hardware. 

Documentation of wallet ownership ( e.g. a screenshot of the wallet dashboard linking the wallet address to your name and/or email address, uploaded via the Gemini XXXX ). This is impossible. The hardware wallet XXXX does not have this. I generated the wallet from the hardware wallet. There is nothing that shows my email or name on the hardware wallet. I will upload a picture of the hardware wallet with the address showing on the hardware wallet. 
( I sent in a picture of my hardware wallet and the transferring wallet address I generated to trasnfer to ). 

Still I have no response. Apparently this is now a big issue now with Gemini holding users XXXX XXXX that I didnt know about until I had the problem XXXX XXXX XXXX XXXX XXXX NOT YOUR KEYS, NOT YOUR XXXX ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demand to be deleted immediatelXXXX 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: Money transfer, virtual currency, or money service

Subject : Urgent Assistance Required Blockchain Account Verification Issue I have been using my blockchain account for the past XXXX years, and recently, the platform introduced XXXX verification. Unfortunately, when I attempted verification, XXXX IDs were not accepted at the time, so I used my passport instead. However, the verification failed. 

According to Blockchains terms and conditions, verification can only be done once. Since my attempt was unsuccessful, I have been unable to verify my account or withdraw my funds. This issue has been ongoing for the past XXXX years, and despite sending thousands of emails, I have not received any response or resolution. 



Thank you for your time and support. I look forward to your prompt response.
Product: Credit card or prepaid card

I have a Direct Express Debit Card which my SS Benefits are deposited on each month. On XXXX XXXX, XXXX I paid my utility bill of {$330.00} and I have the receipt that shows I paid XXXX, but when I checked my account on line the amount had been taken out twice, XXXX minute apart. I called XXXX XXXX and it took XXXX hours to get thru, they will not let you hold for a rep, you have to call back again and again. They stated they would mail me forms to fill out and MAIL back ( no faxing ). That was the XXXX, it is now XXXX XXXX and still no forms. I have called again and got the same speel. it will be there. I looked on the internet for reviews of Direct Express and I found it on XXXX Off Consumer site. I think they are really taking peoples hard earned benefits. I think XXXX XXXX XXXX, needs to change companies to handle recipents benefits. I call XXXX and it was suggested to me to get a local bank Direct deposit. Some one needs to check Direct Express out.
Product: Credit reporting or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their 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. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX Balance : {$840.00} XXXX XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX XXXX Balance : {$6000.00} XXXX XXXX XXXX XXXX Balance : {$3200.00} XXXX XXXX XXXX Balance : {$5500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Afternoon, On multiple occasions ( too many to remember dates ), I have contacted Equifax regarding inaccurate information on my credit report. On each occasion, I would get generic letters reporting the information was " verified '' and it will remain. On each occasion, I have requested the submissions of the documentation used to verify the investigation and do not receive a response. 

I later went through other sources to have my request reviewed. I went through XXXX XXXX. XXXX is a provider of bankruptcy information. Through XXXX 's " two investigations '', they could not verify the report 's accuracy or the information they have and submitted me a letter on letterhead documenting that it was removed from the file ( Bankruptcy Case # XXXX ). 

I later submitted this same information to Equifax for review ; once again they have failed to acknowledge " documentation ''. 

Therefore, Im requesting your company 's assistance in this matter. 

No, Im not submitting any additional documents, address, phone numbers, social security, letters or etc. You should already have that information ( Equifax ). I need copies of the documents you claim to use to verify for review only.
Product: Mortgage

XX/XX/XXXX - I was granted a loan Assumption and tried to access my mortgage account online through Freedom Mortgage but the online account was no longer accessible. I called Freedom Mortgage and they told me that they have no way for anyone with an assumption to access their account information online. So I now do not have any access to my loan information online including a way to pay my mortgage on auto pay and to manage it electronically. They told me I had to send a written form request for an ACH payment to come out of my bank account. I sent the ACH form by fax on XX/XX/XXXX and was told it was recieved by Freedom. However, they can not confirm when the ACH will actually be authorized and if my payment for XXXX will be made on time. I am concerned about whether my payment for XX/XX/XXXX will be paid on time. They are refusing to take any payment over the phone. So if Freedom Mortgage does not process my payment by this month 's deadline, how will I make my mortgage payment on time? They are not helping me. And, now I have no access to my account online. They told me that they have no way of fixing access to online accounts for anyone with a mortgage assumption and there is no timeline as to when someone will be able to address it. I NEED access to manage my own account online! And I need a timely manner in which to pay my mortgage and be able to adjust that payment easily. I should not have to submit a paper form every single time I want to make or adjust my payment. This is preventing me from managing my account in a timely manner and this is not right! I was granted this assumption legally and should have FULL access to every detail of my account on line. I had more access to this account before the assumption! Now I am locked out of my own information. This is not right! My information should be 100 % easily accessible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I initially tried to enroll for Social Security, but failed the questions to be enrolled over the phone. i did not understand how the information I was being asked, Name, Address, SSN, and City of Birth could be wrong. About the same time XXXX emailed about my credit report so I checked into that. I had to pay for their services to see the detail of my personal data. This information was riddle with inaccuracies s.a. previous addresses, employers, and Aliases. For another fee, I could look at the information held by Experian, and XXXX. That information was all significantly inaccurate as well. Additional, the agencies, use this inaccurate information to validation my identity incorrectly, rendering me unable to correct my information. This leaves my only remedy to correct this mis-information is to purchase they products. What a convenient system, all the Credit Agencies mis-state my information, the charge me to fix it.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within XXXX business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through XXXX mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

XXXX, clearly in violation of the law. Under 15 USC 1681B- permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

THE FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( I ) Exclusions from a consumer credit report clearly states : ( 2 ) Exclusions- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) Subject to section 1681s-3 of this title, any- ( 1 ) report containing information solely to transactions or experiences between the consumer and the person. Either lower my Utilization to 5 % or below. If not delete all utilization from my consumer report.
Product: Credit reporting or other personal consumer reports

I have an auto loan from XXXX XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, Equifax, XXXX, and XXXX XXXX XXXX with no successful resolution. XXXX, Equifax, and XXXX reporting me 30 days late in XX/XX/2023. There was an error on their part. I was never 30 days late.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are not mines nor do I know the person or persons inwhom added me to these accounts as an authorized user, I'm demanding that these accounts are removed from my credit file. 

1 ) XXXX/XXXX XXXX XXXX 2 ) XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX  on XX/XX/XXXX under the account number ( private ), an account opened at XXXX XXXX  XX/XX/XXXX an personal loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( private ), and a collections account opened XXXX XXXX XXXX  on XX/XX/XXXX with a balance of $ ( private ), An account opened at XXXX on XX/XX/XXXX, an account opened at XXXX XXXX on XX/XX/XXXX, an account opened at XXXX  on XX/XX/XXXX, and account opened at XXXX XXXX. on XX/XX/XXXX, and an account opened at XXXX  on XX/XX/XXXX, and an account opened at XXXX XXXX on XX/XX/XXXX, and an account opened at XXXX XXXX  XXXX XX/XX/XXXX and an account opened at XXXX XXXX XXXX on XX/XX/XXXX, and an account opened at XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing in my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the fraudulent items. I do not recognize the accounts, collections, or hard inquiries as reported. The accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

In XXXX of XXXX, I was effected by XXXX, so I put my mortgage into forbearance in XX/XX/XXXX. 

This year ( XXXX ) I was able to fully recover and recoup my finances to begin paying on my mortgage. After being told by many reps from XXXX XXXX XXXX ( Dovenmuehle ) to just start paying my mortgage, they began foreclosure proceedings. I contacted their Loss Mitigation department and began XXXX paperwork to save my home. I provided all the necessary paperwork but was continually told to provide bank statement after bank statement and HOA paperwork again and again. They continued with foreclosure even though I was in loss mitigation. With help from the VA, I was able to obtain a loan modification. I signed and had notorized the loan paperwork sent to me from XXXX XXXX XXXX/Dovenmuehle and returned it. The VA is in possession of the documents. The loan modification began on XX/XX/XXXX. I have made XXXX and XXXX payments. Dovenmuehle has continued with the foreclosure and served papers to my home. In XXXX Dovenmuehle sent notice that my escrow account is deficient and based it on the principle prior to the loan modification. This has all taken place despite having entered into a loan modification. Dovenmuehle has entered into a loan XXXX, continues to process the foreclosure, is accepting my new loan payment amount, and is adjusting my escrow according to the old loan principle and interest.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.