23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Loan Number : XXXX XXXX XXXX XXXX Attn : Customer Service XXXX XXXXXXXX XXXX XXXX XXXX, Texas XXXX XXXX : Notice of Error for Outstanding Mortgage Balance for XXXX XXXX XXXX # XXXX Dear XXXX XXXX Customer Service XXXX : XXXX XXXX/SeterusXXXX has made the error of NOT subtracting the tax and insurance payments made by XXXX XXXX from the outstanding mortgage balance since 2015. Since 2015, XXXX {$36000.00} or more [ i.e. {$31000.00} ( Taxes ) + {$4700.00} ( Insurance ) ] has been paid by XXXX XXXX for taxes & insurance but XXXX XXXX/Seterus/XXXX REFUSES to subtract the ~ {$36000.00} or more from the {$91.00}, XXXX outstanding mortgage balance. 

XXXX XXXXSeterus/XXXX has ignored this Notice of Error caused by them since 2015. 

Because XXXX XXXX/Seterus/XXXX  refused to correct the mortgage balance - they pushed my property into FORECLOSURE & have ruined my credit score & prevented me from modifying or refinancing my loan. 

XXXX XXXX/Seterus/XXXX  has caused my credit score to decline from XXXX to now XXXX ( XXXX ) and XXXX ( XXXX ). 

XXXX XXXX/Seterus/XXXX can resolve this problem by subtracting the ~ {$36000.00} or more from the {$91.00}, XXXX outstanding mortgage balance and modifying the loan. 

OR sell back this loan to XXXX ( 2nd lien holder for them to modify the loan ) AFTER correcting the incorrect mortgage balance ( i.e. subtract XXXX {$36000.00} or more from the {$91.00}, XXXX outstanding mortgage balance & sell back the loan to XXXX the XXXX lien holder ). 

XXXX XXXX/Seterus/XXXX has refused to correct the error with the mortgage balance after countless proof of payment for taxes and insurance were sent to their attention. 

Attached are evidence of tax and insurance payments made by XXXX XXXX from 2015 to present. 

Duplicate tax and insurance payments were made by XXXX XXXX/Seterus/XXXX  from 2015 to present XXXX for which they were refunded ). 

Attached are the following documents Tax payments XXXX school and town/county tax ) made by XXXX XXXX from 2015 to present Insurance payments made by XXXX XXXX from 2015 to present & ( for the life of the loan ). 
Tax payments refunded to XXXX XXXX/Seterus from 2015 to present by 1 ) XXXX XXXX Receiver of taxes and 2 ) XXXX XXXX As required by law, XXXX XXXX must correct this error or XXXX XXXX will contact New York State XXXX XXXXXXXX XXXX XXXX at XXXX and at XXXX. 

As required by law, XXXX XXXX must provide a written respond to this Notice of Error within 30 days. 

All taxes and insurance has been paid by XXXX XXXX since the loan inception. 

XXXX XXXX/Seterus/XXXX has been refunded for all taxes that it has paid in duplicate since 2015. XXXXXXXX XXXX/Seterus/XXXX  has never made insurance payment for Loan # XXXX. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Shellpoint Mortgage Service improperly assumed my loan from XXXX and failed to comply with a XXXX agreement. This resulted in overcharged escrow. After of several months of dispute, SMS corrected the issue and worked with credit bureaus to correct my mortgage payment history. However, they added an invalid derogatory remark in a prior month with XXXX only, after the case hade been settled. I believe this was retaliatory action against me. Furthermore, they know I am trying to refinance as I have stated it, amd they know this remark impacts soft credit checks. This affecting my ability to obtain best refinance rates and will result in financial disadvantage if not corrected immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, as a resident of the state of North Carolina, where I have resided for over 52-months, I was given notice that a collection was posted against me by a collection agency known as XXXX XXXX, XXXX. They claim that I owe {$1900.00} on a XXXX account that was under my name 7-years ago before I was married. The account was under XXXX XXXX, but it followed me to my married name XXXX XXXX. This account, if valid can not be collected against me in the state of North Carolina that has a 30-month collection statue of limitations. Also, this account went into default well over 84-months ago. What XXXX XXXX XXXX XXXX did was pick up the collection information from a debt pool program, then changed or dismissed information to lead the credit reporting agencies to believe that they were handed a legitimate collection. Not even XXXX is in the equation on this, and I demanded accountability of the collection in XXXX of 2021. This was the response given to me through the XXXX XXXX XXXX XXXX, as follows : The company sent its response directly to you and provided a copy to the CFPB. It may take a few days for you to receive the companys response. To protect consumer privacy, the CFPB has not included the companys response in this consumer portal. You can contact the company at ( XXXX ) XXXX about its response to this complaint. 
There was never any response mailed to me to show that XXXX gave permission to move on a collection against me, not in written form or by an electronic transfer agreement. XXXX XXXX XXXX XXXX is running a scam against me personally, and in violation of the Fair Debt Collection Practices Act, the Fair and Accurate Credit Transactions Act and the Fair Credit Reporting Act. XXXX XXXX XXXX XXXX has also violated its subscriber agreement with all four pertinent credit reporting agencies, whereas they posted a collection that is not collectible, nor was there a standing agreement between the parties where any indebtedness occurred. XXXX XXXX XXXX XXXX believes that they can use a process of holding a persons credit standing XXXX, to collect on any debt that they maintain 100 % control on. There will be no disbursement to XXXX from XXXX XXXX XXXX XXXX if any payment arrangement is made as there is no legal debt owed. The 84-month timeline has passed is XXXX had any position on the original account. 
XXXX XXXX XXXX XXXX needs to have their rights to process collections with the credit bureaus, Experian, XXXX, XXXX XXXX and XXXX respectively. This process must cease permanently, and my personal information must be purged by XXXX XXXX XXXX. 
I demand that XXXX XXXX, XXXX delete any reference to a collection against me from XXXX immediately and permanently. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act.The lists of accounts below have violated my federally protected consumer rights to privacy and confidentiality under law 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions. 15 U.S.C 1681 c. ( a ) ( 5 ) Section states : No consumer reporting agency may take 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 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any 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

Please be advised I had a State of Georgia Tax lien many years ago and it has been paid in full! It was placed on my credit report back in XX/XX/XXXX! It is now XX/XX/XXXX and they still continue to report it! I have disputed it many times and they  continue to say it is accurate and it is time for it to be removed! Equifax is not verifying the data as they should they rely on some company who actually just keeps inaccurate records and they come back and say it was verified! How, when a court does not even report information to the bureau! The practice they use are not only unfair but I am sure illegal and surely unethical!
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. section 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. SS 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. 2025-CFPB-0002 ) against similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with their necessary proof of investigation.
Product: Mortgage

After submitting all required and requested documents in support of a loan modification, servicer has sent a letter saying application is incomplete and they will not be reviewing the application for modification.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX closed account, reversed debt from {$400.00} to {$0.00} on XXXX/XXXX/XXXX, and removed all late marks on XXXXAll is fine with XXXX. Negative remarks need to be removed on Experian and XXXX.
Product: Credit reporting or other personal consumer reports

Dispute of Inaccurate Information on my Credit Report XXXX XXXX XXXX Auto Loan Account # : XXXX Opened : XX/XX/XXXX Balance : {$0.00} I am a victim of identity theft and I never opened this account. 

XXXX XXXX Credit Card Account # : XXXX Opened : XX/XX/XXXX Balance : {$240.00} This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 

XXXXXXXX Unsecured loan Account # : XXXX Opened : XX/XX/XXXX Balance : {$1800.00} This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 

XXXX Credit Card Account # : XXXX Opened : XX/XX/XXXX Balance : {$420.00} This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 

Collection account from XXXX Account # : XXXX Balance : {$310.00} Original Creditor : XXXX XXXX I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

Collection account from XXXX Account # : XXXX Balance : {$960.00} Original Creditor : XXXX XXXX I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

Furthermore, I would like to dispute the following unauthorized inquiries : Inquiry from XXXX Date : XX/XX/XXXX I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

[ Other Inquiries- list them similarly as above ] [ Explain the discrepancies and request their removal. ] I kindly request that you conduct a thorough reinvestigation into these matters and provide a written response. 

Thank you for your prompt attention to this matter.
Product: Credit card or prepaid card

There was a balance transfer on my statement on the folowing 2 dates ;  XX/XX/2017 = {$5000.00} XX/XX/2017 = {$2500.00} I have requested on numerous occasions proof that I/we gad requested these Transfers to no avail. American Express could not produce a copy of the checks. AX sent out this account for collections! 

Account # XXXX & XXXX AX also would not turn this matter over to their Fraud Department?
Product: Credit reporting, credit repair services, or other personal consumer reports

Since the beginning of XX/XX/2018 there has been a significant drop in my credit score by all three agencies. All my debts are paid off or current. I have no collections and trying purchase a home. I went from having XXXX with XXXX to XXXX, XXXX drop 30 in 2 weeks and same with equifax. I do believe that i am being unfairly targeted.
Product: Credit reporting or other personal consumer reports

VALIDATION AND CEASE AND DESIST XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear XXXX XXXX XXXX I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. 
2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

Thank you for your prompt attention to this matter
Product: Checking or savings account

Re : _ Investors Bank Ac # XXXX Passbook Ac # XXXX Statement Sav. 

The purpose of this complaint is to obtain funds that were withdrawn from my account due to inactivity. 

As i explained to their customer service I never received any documentation that the accounts became inactive, nor did I receive any notification or actual statements that statements were available. This pertains to actual mailings nor electronically. 

Customer service was able to credit {$45.00} to the passbook account, which is a rental account, bringing it to full compliance with the credit. Bare in mind that these funds do not belong to me and that I can not make any transactions in it. 


The actions to be taken for refunding the fees in the Passbook account, I was told, falls to the branch manager. After numerous attempts I was able to contact the branch. Speaking to XXXX XXXX XXXX ( XXXX ), over the phone, i was informed that he was going to explain the situation to the branch manager XXXX XXXX XXXX and get back to me. Upon his return call the conclusion was a flat out no refund will be given. 

Pursuing this matter, I learned that I could not log on to my account. Which entailed additional contacts with customer service to unblock the account which was blocked due to inactivity. 

The statement account was charged a monthly fee of {$5.00} from XX/XX/XXXX to XX/XX/XXXX ( I learned of this upon my inquiry late XX/XX/XXXX due to no communications from the bank ). The fees totaled {$70.00} approx. 10 % of the current balance.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX My only name is XXXX XXXX XXXX. 

My ONLY ADDRESS IS CURRENTLY : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, Fl, XXXX My social ends in XXXX My only phone # is XXXX I have been reporting to the credit bureau with XXXX to verify my information, they are still continuing to keep all old, outdated, or incorrect personal information on my reports preventing me from verifying my identity with other places or applying probably. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX  Department XXXX XXXX XXXX, TX XXXX Equifax XXXX survive : XXXX XXXX XXXX XXXX, GA XXXX Social Security Number : XXXX To Whom It XXXX Concern : This is my second time writing you to update my personal information. 
XXXX 15 USC 1681 ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. 

I demand a deletion of all personal identifiable information from my consumer report with the exception of : XXXX. My Full Legal Name : XXXX XXXX XXXX XXXX. My current address : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, Fl, XXXX XXXX. Current and only phone number : XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Please delete these outdated addresses and update the addresses with the XXXX above. 

My only phone number is XXXX Delete any and all other phone numbers below, they are not my number and do not have any connection to me. 

There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. 
I demand a deletion of all personal identifiable information from my consumer report with the exception I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons Delete all information in the employer section. 
Pursuant to the Fair Credit Reporting Act 15 USC 1681 ( a ) ( 4 ). am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of XXXX USC 1681 and all its subsections.

Please send and updated credit report once the changes are complete to my contact information listed. 

My contact information is as follows : Name : XXXX XXXX XXXX : XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX XXXX Fl XXXX XXXX Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

i have checked my credit report, I have found fraudulent items on it, XXXX  XXXX XXXX with account number XXXX opened on XX/XX/XXXX, XXXX XXXX XXXX XXXX with account number XXXX opened on XX/XX/XXXX, and fraudulent hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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: Debt collection

Despite written communication asking them to cease communications ( notice received on XXXX ), collector continues to contact me ( last call received XXXX, XXXX XXXX ). Collection company violated FCRA by not verifying whatever this debt is and by continuing calls after receiving a do not call notice.
Product: Debt collection

Myself and my mother went into the company and spoke to the person in charged on that day and informed her that I would be in to settle the rest of my responsibility of amount owed which was under {$500.00} at that time for a membership at XXXX XXXX which I had for less than a year, she verbally agreed and gave me a number to contact her when I was ready. The next thing we knew within a weeks time, my account was sold to a debt collector and the amount is now nearly {$3000.00}. I know that I was late honoring my responsibilities but there has to be a law against what was done. I have yet to receive a notice or a phone call. 
And who is this debt collection company adding all this extra money?
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : Complaint Letter to Delete Inaccurate Information Dear Sir or Madam : I respectfully request your prompt attention to the following inaccurate information on my credit report. For your convenience, the disputed item is listed on the enclosed page of my credit report. 

The following item is inaccurate and negatively affects my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents, or any instrument bearing my signature. Failing that, this item must be deleted. 
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, It is my understanding that under the law you have 30 days from the receipt of this letter to verify this item. It should be understood that failure to do so within the 30-day period constitutes a reason to immediately delete this item from my credit report. { FCRA 15 U.SC. section 1681 ( 5 ) ( A ).

Also, pursuant to 15 U.S.C. section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please notify me the item has been deleted. You may send an updated copy of my credit report to the below address. According to the provisions of 15 U.S.C. section 1681j, there should be no charge for this notification.

Sincerely,
Product: Debt collection

The third party company XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX for XXXX XXXX contacted my daughters cell phone in order to contact me for a Debt that over XXXX years old well exceeding the statue of limitations in XXXX of XXXX years. When I contacted them they threated by stating to sue for an amount triple of the original amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

AS A CONSUMER I, XXXX XXXX, HAVE BEEN THOROUGHLY ABUSED AND DECEIVED BY EQUIFAX THE CONSUMER REPORTING AGENCY. THEY HAVE PURSUANT TO 15 USC 1681 ( A ) ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
THIS FEDERAL LAW HAS BEEN SEVERELY BROKEN BY EQUIFAX AND THE FOLLOWING DOCUMENT PROOF WILL SUPPORT MY INJURIES THAT HAS SUSTAINED AMOUNTING TO XXXX AS A SETTLEMENT FOR THAT IN ADDITION TO XXXX IN VIOLATION COST OVERALL THIS IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION THAT IS RECEIVED WILL BE USED TO FULFILL PURPOSE DUE TO THE COMPLETE AND UTTER CONTEMPT THAT THIS CRA WHO'S GRAVE RESPONSIBILITY IS TO ONLY REPORT INFORMATION THATS FACTUAL FAIR AND IMPARTIAL NEVER RETALIATORY AS WILL BE DECEIVED BELOW WITH THE EVIDENTIARY PROOF ALSO VIOLATING WILLFULLY THE FEDERAL LAW PURSUANT TO 15 USC 1692 ABUSIVE AND DECEPTIVE COLLECTION PRACTICES NOT ONLY BY THE DATA FURNISHER BUT THE REPORTING AGENCY AS WELL. JUST incurable AND DESPICABLE AND I EXPECT TO BE COMPENSATED IMMEDIATELY FOR THE DEVASTATION THAT I HAVE EXPERIENCED AND HAVE ENDURED BY FALLING VICTIM TO THEIR PREY.