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

On XX/XX/2022, my credit score dropped XXXX XXXX in which I have no reasoning behind this massive drop in score. I have no defaults, no major problems with my credit, and no issues with credit in general and around that time. 

XXXX, Transunion, and XXXX all told me the same thing on the phone when trying to file a dispute and that is that this is a system generated number and there is nothing I can do to fix this problem since the number is generated by an automated system. 

To this day, I still do not see any derogatory marks on my credit that would cause it to drop by XXXX points at that time and it has been really hard to get my score back up to where it was because of such a large drop. I am not sure how to get this fixed since they all told me that they can not do anything to fix it. 

My social security number was found on the dark web about a year or so ago so once I found that out, I froze all of my credit account but it is possible someone could have still used my social for malicious intent. This is the only possible cause of my credit lowering by XXXX points in just a XXXX month period. Other than that, I would like to submit a complaint to all three credit servicers to try and get this resolved.
Product: Student loan

I went to XXXX XXXX at XXXX in XXXX and XXXX school year. Graduation was in XX/XX/XXXX. I took out 6 loans via XXXX. They were 2 Federal Unsubsidized Stafford Loans 2 Federal Subsidized Stafford Loans 1 Fed Direct Grad PLUS Loan For roughly $ 55K total The loan rates varied between 6.5 % -8.5 % - which I was told would be able to be refinanced as they were too high and that was not true. 

After school, those loans were sold to different companies, all of whom I had to chase down to figure our where/how to pay my bill. The different companies were XXXX XXXX XXXX XXXX XXXX   Over time, I paid of 2 of the loans as well as paying monthly payments. 
I think that's all and then I was contacted by XXXX XXXX XXXX XXXX ( which no longer exists ) and swindled into consolidating into 1 loan - they said it would lower interest and put me on a PAYE to lower payments as I was struggling living in XXXX trying to make them. Unfortunately, that was also not true, my percent is 7.75 % ( 7.5 % with auto-pay ) and while I have a PAYE, my balance continues to grow and is now 41 % HIGHER than I borrowed. It feels like a black hole. 
I have repeatedly asked for a way to lower the interest rates and I have been told that only an act of Congress could do that. Additionally I have verbally and in writing ( via their website ) requested that payments could be applied to the principal. They said no, only when interest is done, later they contradicted by saying that if I paid more than the minimum payment, I could direct that to be applied to principal. I just submitted an excess payment and specified that it should be applied to a loan section with less interest and a lower amount and they refused to do so, holding it as " pending '' until the next billing cycle and then not applying it where I specified. I am infuriated and fed up with being taken advantage of. 
I have asked for a copy of my Master Promissory Note, my servicer told me I had to go to the studentloans.gov site to find that - there is no record of it there, when I emailed to ask where it was the studentloans.gov site told me I had to ask my provider for that. It seems no one can produce my Master Promissory note. I have also asked for a complete record of my accounts what I have paid who as I am trying to determine what I have actually already paid as my balance NEVER GOES DOWN. Please advise.
Product: Credit card or prepaid card

My complaint : The Credit Card Accountability, Responsibility, and Disclosure Act of XXXX is a federal law designed to protect credit card users from abusive lending practices by card issuers. primary goals are the reduction of unexpected disclosure On XX/XX/XXXX I check my balance of my newly activated Nevada Way2Go Unemployment Debit Card. I had a balance of {$3500.00} as I was saving for transportation. Totally unexpected the public transportation here in XXXX, Nevada XXXX - employee went on STRIKE for the second time this year! Every one was scrambling, abandon and left with no transportation home or to work! I thought wow I glade I saved my money- NO MORE RELIABLE ON PUBLIC TRANSPORTATION! I located a motorcycle I counted on cash discount sale- HOWEVER THE BALANCE WAS {$0.00}!!!! I tried every number on the card, flyers, website - none of the numbers provide allow you to talk with a live person! I went to XXXX  website- same phone number. WHAT IS " Return of Unpinned Deposit CARD ENDING XXXX Good Evening XXXX XXXX Monday, XX/XX/XXXX XXXX XXXX Claimant ID : XXXX XXXX ( XXXX ) XXXX '' IN THE MIDDLE OF A PANDEMIC AND A CITY WIDE PUBIC TRANSIT STRIKE!!! Proof I CALL XXXX, email, Fax - see attached confirmation numerous attempt to contact ANYBODY for help to get funds back or a new card, etc. No response as of today. This pandemic is NOT OVER, AND there are plenty shortage. I just need my money- Where is the disclosure! Where is the protection! The CARD Act mandates consistency and clarity in terminology and terms across credit card issuers. SO WHY ISN'T IT CLEAR HOW TO CONTACT THE CARD ISSUERS FOR CLARITY AND HELP! ITS A " BIG DECEPTIVE and ABUSIVE HARDSHIP on a RIGHT to ENJOY LIFE practices by credit card issuers! 
Cc : Governor XXXX XXXX
Product: Mortgage

my husband passed in XX/XX/XXXX, XXXX Mortgage sold his mortgage to Carrington two months after he passed. I was paying the mortgage until XX/XX/XXXX when Carrington would not talk to me on the phone, they said I needed to send a Death certificate, Marriage Lic. and a Inheritance letter. I did this XXXX times, by fax and by mail and they keep claiming its unreadable and they never recieved a mail copy. then they sent a rep. out and told me the place was being forclosed that I had to move. Now its been 2 and half years and they are still giving me the run around. I have called numerous times and get very ignorant reps. no one will return my calls. So what is a widow suppose to do.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Dear Third Party Credit Bureaus Experian, XXXX XXXX XXXX Subject : Dispute Regarding Unauthorized Disclosure of Nonpublic Personal Information under 15 U.S.C. 6802 I am writing to formally dispute the unauthorized disclosure of my nonpublic personal information by XXXX XXXX XXXX XXXX. Under the provisions of 15 U.S.C. 6802, I am entitled to privacy protection regarding my personal financial information, and it has come to my attention that this right has been violated. 
On, XX/XX/year> became aware that my personal financial information was disclosed to XXXX XXXX XXXX without my consent and without providing me the opportunity to opt out, as required by federal law. This disclosure was done in violation of 15 U.S.C. 6802, which mandates that financial institutions provide a clear and conspicuous notice of their privacy policies and obtain explicit consent or provide an opportunity to opt out before sharing such information with nonaffiliated third parties. Notification of Negative Information ( 15 U.S.C. 1681c-1 ) : Financial institutions are required to notify consumers within 30 days if they furnish negative information to a consumer reporting agency.

I demand that you take the following actions immediately : 1. Cease and desist any further unauthorized disclosure of my nonpublic personal information.

2. Provide a detailed explanation of how my personal information was shared, including the specific information that was disclosed, the identity of the parties who received it, and the purpose for which it was disclosed. 
3. Rectify any adverse effects caused by this unauthorized disclosure, including but not limited to, contacting the third parties involved and ensuring the removal of my information from their records.

4. Provide written confirmation of the steps you have taken to address this issue and ensure that such an unauthorized disclosure does not happen again in the future.

Please treat this matter with the utmost urgency. If I do not receive a satisfactory response within [ reasonable timeframe, such as 30 days ], I will have no choice but to escalate this issue to the appropriate regulatory authorities and consider taking further legal action to protect my rights.

I trust that you will address this matter promptly and seriously. I look forward to your timely response. 
Sincerely, XXXX XXXX
Product: Checking or savings account

There was fraud on my account and they refused to cover it. It happened on XX/XX/year>
Product: Mortgage

I am writing this regarding my mortgage servicing company Seterus, Account # XXXX. The phone # is XXXX. XX/XX/XXXX I received an escrow statement from Seterus the statement indicated that my mortgage payment of {$850.00} was increasing to {$1000.00} due to the fact that the escrow was {$1200.00} short and that my town taxes had gone from {$1900.00} to {$3600.00}. I contacted Seterus and told them that my taxes were the same as they have always been and there was no increase. Then asked why they were billing me {$3600.00} for town taxes. They instructed me to call their escrow company XXXX at XXXX. Upon contacting them I told them about the mistake in the town taxes and that the reason why the town levied them for {$3600.00} was because Seterus failed to pay the school taxes of {$1500.00} for the year XX/XX/XXXX. The town XXXX then added that figure to the town taxes of {$1900.00}. They also included interest of {$170.00} which they are holding me liable for. XXXX indicated to me that they would run a new analysis and correct the situation within 10 business days from XX/XX/XXXX I then proceeded to contact Seterus XX/XX/XXXX and they said they were waiting for the analysis. I contacted them again XX/XX/XXXX and was informed that it would be at least another 30 days to complete their analysis. I explained to them that they were over charging me {$250.00} on my original mortgage payment and they were also charging me the interest on the {$1500.00} from the school taxes that they failed to pay XX/XX/XXXX. The money was escrowed and still is being escrowed I was informed by Seterus that if I did not make the XXXX payment of {$1000.00} it would go against my credit report and that if I paid less than the {$1000.00} they would not apply the payment and I would still be held responsible for the full amount making me late on my mortgage. This is totally unacceptable I am being charged {$250.00} more per month on a mistake they made by not paying the taxes XX/XX/XXXX and my normal mortgage payment of {$850.00} is no longer valid. My town taxes consist of {$1900.00} insurance of {$530.00} and school taxes of {$1500.00} for a total of {$4000.00} instead they are escrowing {$5800.00} a {$1700.00} which is the school taxes plus the interest that they did not pay for XX/XX/XXXX which they are penalizing me for. 
Please help us in this matter for Seterus and XXXX have given us nothing but a song and a dance and are illegally collecting money that they do not have coming. Thank you for your time. 

Sincerely XXXX XXXX and XXXX XXXX XXXX XXXX, NY XXXX # XXXX # XXXX # XXXX
Product: Credit reporting or other personal consumer reports

Different payment amounts saying I owe for the same company information is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX   XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XX/XX/year> This CFPB complain has been filed to request pursuant to FCRA section 606B ( 15 U.S.C section 1681c-2 ) that you the XXXX, Equifax XXXX and XXXX credit reporting agencies, 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, inaccuracies, and false information consists of a personal credit cards opened at XXXX, XXXX XXXX, XXXX, XXXX XXXX, and XXXX XXXX XXXX all of these mentioned accounts have resulted in several fraudulent inquiries, and collections appearing on my consumer FICO credit report. I do not recognize the mentioned accounts, collections, and hard inquiries appearing on my consumer credit report. I have attached a copy of my FTC identity Theft Criminal Complaint Ref # XXXX 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: Debt collection

In late XXXX after a move to a different state, was contacted by ERC of FL, by phone and mail, stating that I owed over a XXXX dollars to XXXX XXXX XXXX XXXX. This debt ( as verified by XXXX/XXXX did not exist ). Again in late XXXX, was contacted by phone and letter that I owed over {$1000.00} to XXXX XXXX XXXX, XXXX. I verified 3 times, checking even with my SS number, in case it was stolen. This debt never existed. In phone conversations, the caller from ERC would give addresses from former houses, with the right street, but wrong house number ( which I did not verify ), and birth years to verify that were outrageous. I filed a complaint with the XXXX of FL and received a reply from ERC, saying that I would be taken off their call list, since I disputed the claim. In my opinion, this company has committed wire fraud and mail fraud. I can only image the number of older people who have, without question, paid a debt to satisfy a fraudulent claim.
Product: Mortgage

I have submitted complaints before regarding my mortgage with Select Portfolio Servicing the loan servicer on my mortgage loan I have been disputing the claimed balance from SPS on my mortgage loan since XXXX when SPS bought the loan servicing rights on my loan. 

During the pandemic, SPS offered me a Forbearance plan from XXXX, XXXX to XX/XX/XXXX During that time, I was not required to make mortgage payments. 
However from XXXX, XXXX to XXXX, XXXX I made mortgage payments according to schedule. 
I received a letter from SPS dated XX/XX/XXXX claiming the amount of {$100000.00} to reinstate my loan and the letter stated that my loan is in foreclosure status. 
I replied to their letter and I submitted a claim to CFPB regarding this letter. 
The truth is that SPS is legally liable for bank errors made by previous loan servicers on my mortgage account i e XXXX and XXXX Bank. 
Bank errors were made on my mortgage account on two previous loan modifications SPS requested bank documents to prove this fact of which I sent them bank statements to substantiate and other documents. 
Please see enclosed letter written to my relationship manager wherein I am claiming {$38000.00} for payments not credited and excessive escrow charges and administrative fees. 
As I have stated, SPS has stopped accepting my payments since XXXX, XXXX As stated above I made payments from XX/XX/XXXX through XXXX, XXXX which SPS accepted. 
According to the XX/XX/XXXX letter that I received, a copy of which is enclosed, SPS is demanding a reinstatement payment of {$110000.00} to halt foreclosure proceedings against my property. As I stated above, SPS has not accepted any mortgage payment from me since XX/XX/XXXX and this increases their claimed arrearage on my mortgage account. 
I feel SPS is deliberately taking this action to proceed with a foreclosure against my property once the government and state laws against foreclosure are removed such as California law XXXX and federal laws pertaining to protect borrowers against foreclosure. 
I feel this is the only reason why SPS would not continue to accept my payments. 
I have written to them and I have spoke with the Ombudsman Department to allow me to make a payment that I can afford to bring down the arrearage on the loan and that SPS should credit my mortgage account with a settled credit toward the bank errors that were made on my account previously. 
Please see a copy of the XXXX Detailed Transaction History and my letter of XX/XX/XXXX. XXXX which carefully details my disputes on the XXXX Detailed Transaction History. 
and the payments that were not credited to my account. 
I am a senior citizen almost XXXX years old and my house is my only asset and I can not afford to lose the equity in my property.
Product: Credit reporting or other personal consumer reports

I was shocked to discover an account on my credit report that is either entirely incorrect or completely unrelated to me. This glaring error has already caused substantial harm to my credit score and could have even broader negative consequences on my financial life.
Product: Credit reporting

Transunion is reporting this account as being paid late on XX/XX/2012. This account is being reported by XXXX which bought this account from XXXX XXXX long after XX/XX/2012. This account was never late. I contacted XXXX XXXX and the agree but they do not report this information to the credit agencies. They have supposedly contacted XXXX however this information is still not corrected. I am getting sent in circles.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX 2017, I did several disputes with Transunion on the website and the action was seemly completed. Today, XXXX XXXX, 2017, I obtained my Transunion credit report through www.annualcreditreport.com. <P/>I called in to Transunion at XXXX XXXX XXXX XXXX to inquire about the results of the disputes in which the representative named XXXX XXXX informed me that the results were mailed to an address in which I do not reside nor did I list on the disputes.I asked for the document and updated credit report to bne mailed to my correct adderess and she stated she could not as Transunion does not have a copy of that dispute result and since it was already mailed she could not. <P/>I then informed her I have a security freeze, she confirmed it was still active, and that I have the security freeze document which was mailed prior and I received at my correct address in XXXX 2017. <P/>I also asked if the phone call was being recorded, she confirmed that, I informed her I was writing down the time : XXXX XXXX EST on XXXX XXXX 2017 and that I request the phone recording, which she said Transunion does not provide the phone recordings. I informed her I did not believe that was accurate and possibly violated my rights, both recording me without permission and also not providing me that recording as well as not correcting the results of the disputes being mailed to an incorrect address. <P/>I asked XXXX XXXX to please send me to a higher authority at Transunion to request this same action in which I spoke to XXXX XXXX, her supervisor, who also informed me of the same information, in which I asked him to please keep record I called in and also that I am requesting both phone recordings, and have the results of my disputes to the correct address in which both representatives denied my request I asked for both representatives Employee IDs to provide to this complaint, both told me the names XXXX XXXX and XXXX XXXX and that they both resides at a call center in XXXX. I respect both persons, however I do not respect Transunion for not informing these representatives who reside in XXXX that as a U.S. citizen, my reports and information are by law, mine, and I requested and was denied the dispute results ( XXXX XXXX, 2017 ) and updated credit report ( XXXX XXXX, 2017 ). In addition, I requested the phone recordings and my request was also denied. <P/>I informed both I would seek a government authority to request these items. <P/>I ask Transunion to please answer my complaint and that the CFPB take necessary action to inform of the correct procedure to request these items, and also inform and correct Transunion for violating my consumer rights.
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 Report. 

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXXnquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ;
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  account # has violated my rights. 

XX/XX/XXXX, XXXX {$15000.00} ( {$14000.00} ) Dispute by me Consumer disagrees XX/XX/XXXX, XXXX {$1800.00} Dispute by me Consumer disagrees XX/XX/XXXX, XXXX {$2300.00} Dispute by me Consumer disagrees 15 U.S.C 1681 section 602a states I have the right to privacy 15 U.S.C 1681 section 604a section 2 its also states a consumer reporting agency can not furnish an account without my written instructions