23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

When Seterus took over as our lender after 17 years with XXXX Bank, they failed to send me a new escrow statement in XXXX XXXX. It was mailed to an individual that I do not know in a different city. I found this out just last month when a copy of the statement was provided to me from Seterus. I had expected a statement in the mail to my home address but never was sent XXXX. In XXXX XXXX, I called to find out how much I owed, and Seterus refused to tell me over the phone. I sent in a payment in XXXX XXXX for the amount that XXXX had previously told me to pay. After several letter writings to Seterus, we were finally told the correct amount to send in. We continue to not receive monthly statements from Seterus and instead were told we could find this out over the phone. 
In XXXX XXXX, I sent in XXXX checks ( mortgage payment and additional escrow payment ) with instructions, all in the same envelope. Only the additional escrow check was cashed. After two months of letter writing and faxes to authorize the release of the other check for the mortgage payment, the check was still not cashed. This check was for a different amount than what was required as I wanted the escrow shortage divided over 12 months rather than 4 years. The total of the XXXX checks was more than the required monthly mortgage payment. I ended up putting a stop payment on the check in XXXX XXXX and issued a replacement check for the same amount written as what was written on the original check to Seterus for the XXXX XXXX mortgage. This check was cashed in XXXX XXXX. I am still receiving demands for more money from Seterus yet our mortgage is current. Because of a lack of monthly statements from Seterus, it is difficult to determine what is going on with checks that I send in to them. We are told different information each time we write to their correspondence address.
Product: Credit reporting, credit repair services, or other personal consumer reports

FRAUDULENT APPLICATIONS WERE SUBMITTED IN MY NAME OR MY IDENTITY HAD BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. 

XXXX XXXX XXXX {$21000.00} Opened XX/XX/XXXX XXXX XXXX {$15000.00} Opened XX/XX/XXXX XXXX XXXX XXXX {$11000.00} Opened XX/XX/XXXX XXXX - XXXX XXXX {$6000.00} Opened XX/XX/XXXX XXXX {$4000.00} Opened XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX 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
Product: Debt collection

DEBT COLLECTOR IS A THIRD PARTY TRYING TO COLLECT MONEY THAT WAS RESOLVED/PAID WITH A XXXX & PAYMENT LETTER WITH XXXX  XXXX # XXXX, XXXX  # XXXX, XX/XX/2022. I DO NOT HAVE A SIGN CONTRACT WITH THE DEBT COLLECTOR JEFFERSON CAPITAL NOR XXXX, XXXX  AND THEY WERE PAID INN FULL.
Product: Debt collection

This CFPB compliant has been filed to request pursuant to FCRA 605B Under 15 USC 1681c-2c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below XXXX XXXX XXXX XX/XX/XXXX {$410.00} XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$4200.00} XXXX XXXX  XXXX XXXX XX/XX/XXXX {$1800.00} XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These credit accounts, collections, and hard inquiries are the results of identity theft and fraud.
Product: Mortgage

Nationstar is claiming that is in the process of finalizing a loan modification for my mortgage, but today sent me a 14 day foreclosure letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Acct. # XXXX Repeated requests to creditor XXXX XXXX to Validate their Debt have been ignored by said creditor and TransUnion. 

XXXX XXXX can not validate the debt as it belongs to another party with a similar name. 

In late XX/XX/2017I learned that a family member 's credit file and my own had been " Mixed. '' TransUnion did " Split '' the credit files but this account belonging to said family member remains in my credit file with TransUnion. 

This invalidated debt should be removed from my TransUnion Credit File immediately according to the Fair Credit Reporting Act. TransUnion has investiagted, and reinvestigated several times, my repeated requests for ValidatioXXXX of the Debt. TransUnion is or should be aware that the debt is in another parties name and does not belong to me but they refuse to delete their inaccurate reporting. 

I did not open an account with XXXX XXXX, nor did I benefit from goods or services provided by XXXX XXXX.
Product: Debt collection

applied for a personal loan through Avant. and suddenly i have a XXXX hospital bill from XXXX on my credit report from Avant usa. one is for {$5000.00} something and another for {$800.00} something. They are reporting that this debt was first reported in XXXX XXXX. This is a lie! I was at XXXX hospital in XXXX! These bills were also removed from my credit report yrs ago as well due to misdiagnosis! I did not get any notices or bills and now since i happened to apply for a loan from AVANT who now i am assuming is the collector for these OLD NO LONGER EXISTING BILLS decided to lie and report to my credit. This IS ILLEGAL and needs to be removed from my credit report immediately.
Product: Debt collection

For a very long time I have been in receipt of phone calls from this organization claiming I owe a debt that does not belong to me. They will not disclose any proof and since I have paid every other bill in my life exactly on time I am bewildered. They have refused to stop calling me both at home and at my workplace and claim to make there own regulations.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts are not mine but is reflecting on my credit report. 

XXXX XXXX XXXX  Acct # : XXXX Opened : XX/XX/XXXX Amount : {$32000.00} XXXX  XXXX Acct # : XXXX Opened : XX/XX/XXXX Amount : {$1100.00} They are illegally furnishing data on my consumer report that one is not mine or i dont remember opening these accounts. i never gave Transunion any verbal or written consent to report anything on my consumer report. no consent is identity theft. so they are violating law 15 U.S. Code 1681b i am personally writing to them with help of my lawyer that is telling me to gather all this information to file lawsuits to the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins. selling my information to third parties.
Product: Debt collection

I purchased a XXXX XXXX from the American Car Center on XX/XX/year>. I contacted the tag office in XX/XX/year>, only to find out the vehicle didn't pass the emissions test in XX/XX/year>. Also, the radiator was broken. I contacted the warranty department several times in regard to the emissions test and the radiator being broken. The XXXX department stated they would fix the issue with the emissions test, but I was to pay out of pocket for the radiator to be fixed. I did put at least {$1700.00} down and paid {$500.00} a month for maybe 3 months. After they wouldn't fix the car the radiator, it cracked, and the car was undrivable. And then my car was repo. Last year American Car Center filed XXXX  XXXX bankruptcy and sold my account to XXXX. Now I'm getting harassed by XXXX for a car that was repossessed in a dealership that found XXXX  XXXX bankruptcy. I need assistance immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm writing because I noticed XXXX reported a hard inquiry in XX/XX/2021 on my credit reports. The dispute options listed on CFPB are limited. I am requesting the removal of these inquiries from my XXXX and Equifax credit reports. 

I agreed to a hard inquiry for the pre-approved XXXX XXXX offer from XXXX. Unfortunately, the number of inquiries on my credit reports was more than I expected. I take full responsibility for this mistake and will ensure going forward to avoid making this mistake again. I was so disgusted with XXXX  practice to create multiple inquiries and that I closed my account within a matter of months. 

My husband and I are in the process of applying for a mortgage loan to purchase our family 's dream home and the negative impact of those inquiries could result in a denial of our loan or a much higher interest rate that could cost us a significant amount of money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today, XX/XX/2022, I received a lower credit score from the Transunion Credit Report agency, which numerous credit card companies that I have, use their service. Transunion identified a recent loan I've obtained and received. The consumer loan money I received was used to pay off my revolving credit card balances. However, I've been noticing the Transunion Credit Report agency rapidly reports new credit cards and new loans. Yet, they're extremely slow when reporting consumers ' pay-off credit card balances and consumers ' updated current open-to-buy dollars. This causes a consumer 's credit score to be deficient ; thus, it affects the consumer 's ability to obtain employment, a new home, a new car, a new business loan or a personal consumer loan, etc... 

Frustrated with their business method, I went on the Transunion Credit Report to file a dispute of what they're currently reporting about my current credit status. Their website is designed to allow me ( the consumer ) to submit only XXXX documents ( proofs to show their reporting errors ). For example, suppose Transunion showed I have XXXX incorrect balances on my credit cards. In that case, I must be allowed to submit XXXX proofs of my payment or my balance statement of those credit cards to show my XXXX balance and my current open-to-buy dollars. 

As I've mentioned before, when disputing an inaccurate credit report about me, Transunion claims it takes them at least XXXX days to update my credit report. That's unacceptable for me! Currently, they can report I have obtained a new credit card or a new loan in less than XXXX days. In that case, I should be able to see my current credit card balance, open to buy dollars from that credit card company simultaneously ; if there are plusses to our credit history, then there should be minuses to our credit history at the same time. Transunion 's business method is to report my new loan, but they also kept my old credit card balances at the high and my open-to-buy at the lowest amount and claimed that to be current ; this caused my credit score to drop drastically. This is not the first time it has happened to me, and I believe this has happened to millions of innocent consumers. 

I'm sure that Transunion Credit Report agency and other Credit Report agency 's method of reporting consumer 's credit history is outdated and showed an extreme imbalance towards the consumers. These credit reporting agencies know not all consumers have the time or energy to look into their credit report and dispute a discrepancy every time one appears on their account. 

I expect CFPB to look into their imbalanced business method of reporting the consumer 's credit report and assist these agencies in coming up with more equitable information for all American consumers. We are honest consumers, and we are being abused and discriminated against by inaccurate reports of our credit history. It all started with the Transunion Credit Report agency and many others.
Product: Mortgage

I applied for a conventional mortgage ( XXXX XXXX ) at the loan limit of {$510000.00} with Banco Popular Puerto Rico on XX/XX/2020. I was given a new quote right before the closing process, which features a much higher interest rate than what I received initially ( 4.5 % vs. 3.875 % ). There is no logical reason for this as my credit score has only improved, credit utilization rates are at elite levels, and my credit score is in the excellent range with all major credit bureaus. 

After sharing my experience with at least three independent sources, including my realtor, friends, and acquaintances, all of them verified that Banco Popular commonly waits more than 60 days for the quoted and locked-in interest rate to expire and then increases the interest rate significantly right before mortgage closings. This is not an honest business practice, and it seems that nobody is holding the bank accountable for it. A second-order consequence is that the bank needs to pull my credit report again as they waited until the initial report expired, which could affect my credit score. In summary, the bank has been extra slow, significantly increased their initial interest rate quote with a new quote right before the closing after stalling about 130 days, and is potentially hurting consumers ' credit score by pulling credit reports multiple times throughout an elongated process.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX Convergent Outsourcing , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Correspondence sent XX/XX/2022 XXXXXXXX XXXX. XXXX REF : XXXX CEASE AND DESIST TO WHOM IT MAY CONCERN : Please be advised that I am DISPUTING the above-referenced account number which belonged to XXXX. Under the fair debt collection act, once an account is being disputed all collections and phone calls must cease and desist until the account is in investigated. Also, it is NOT to be forwarded to any credit reporting agency for collections under the law. 

I am providing the following statement for clarity regarding this debt for your records. This bogus debt being reported to you by XXXX was for a FREE upgrade for an XXXX XXXX that was issued to me by one of the XXXX stores in my area which is no longer in business. Its my belief that the T-Mobile store was going out of business and mislead me intentionally to give me a free upgrade when I turned in my XXXX XXXX. 

Two months later I started to receive a bill for this new device and immediately called the XXXX customer service number. I explained to the representative what I was told at the store and they credited my account. A few months later they did the same thing again and credited my bill once again. I suggest you ask XXXX for a copy of the phone records and conversations to verify these details. 

I thought it would against the law to try and collect from to sources?
Product: Credit card

I utilized my Kay XXXX credit card ( one I dont normally use ) to buy gifts for a friend for XXXX and forgot. In XXXX I received my first nasty call from Comenity. I admitted my error and made payments to make up the bill. I continued to make payments but continued to receive calls so, in XXXX I sent enough money to pay the account off. 
I received a call in XXXX about a late payment, confused I went online and noted that the {$500.00} check that I had sent to completely pay off this account had not been accounted for on my statement. I went next to XXXX XXXX to verify that the check had cleared my credit union. Indeed, on XXXX XXXX Comenity cashed check number XXXX for {$500.00} which should have paid off my account in full. 
I called Comenity and spoke to XXXX who informed me that he did not see a {$500.00} payment on any of my Comenity accounts. He went so far as to insinuate that he did believe I made such a payment because he could not see the cancelled check I was holding. We spent an hour on the phone and the best he could do was start an inquiry which he even admitted could take months to resolve and suggested I just keep making payments until its resolved. 
Not happy with that answer I took my cancelled check to my local Kay XXXX so someone could see the cancelled check. The associate there contacted her Comenity contact who within 2 minutes located my {$500.00} check which they had credited to my Lane Bryant account, even though the check was made out to Kay with the Kay account number on it. 
The Comenity associate I spoke to at Kay assured me they would correct the error, and all should be taken car of. Assuming all was good but still frustrated I went into the mall for some retail therapy. I headed for Lane Bryant because I was headed out of town and needed a few things. It was at Lane Bryant that I found out that Comenity had slashed my credit limit I assume because they said I wasnt making payments on my Kay account.

At home I checked my four other Comenity accounts and found the same thing. Comenity has slashed all four of my account limits that they hold because of essentially their error.

I have asked them to fix this more than one time now. They reversed a {$50.00} payment from my Lane Bryant account and credited to to my Kay card. But, in doing so they charged me a {$37.00} late payment fee on my Lane Bryant Card even tough they sill had the {$500.00} payment as well as four other payments on either side of my due dates. 
They have killed my credit report all over their error.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see below regarding current late payments in last 12 months dates : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX TD Bank/Target 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  This is a misuse of my rights. This is not accurate these late payments it is violating my fair consumer right please remove these late payments they are inaccurate and violating my consumer rights I am exercising your right under the FCRA, section 609, I am requesting all information related to debts listed on your credit report. I am entitled to all documents related to each item, including each original credit application and contract containing your signature.

In addition I am requesting information about items in your inaccurate the credit bureau that if they can not verify an item by locating the original contract or other documents necessary to validate a given item in your credit report, they must remove that item within 30 days.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I called XXXX XXXX XXXX  and asked them to change my due date because every time I make a payment it never gets posted to my credit report correctly and it messes up my credit score. The representative told me it would take XXXX billing cycles for the change to take place. I made my XXXX payment on XX/XX/XXXX which was the current due date. I paid off the balance on XX/XX/XXXX. The statement closing date was XX/XX/XXXX. I had a XXXX balance on XX/XX/XXXX. Therefore, they should have reported my XXXX balance to the credit bureaus. However, they did the due date change early and the due date changed to XX/XX/XXXX and the statement closed on XX/XX/XXXX which was XXXX  days after the actual statement closing date. Now my credit report shows a {$300.00} balance and they reported it on XX/XX/year> which is incorrect. That is XXXX  days instead of XXXX  days. I have the recording on XX/XX/year> when I spoke with the XXXX XXXX XXXX representative with him telling me the XXXX and XXXX billing cycles would stay the same.
Product: Debt collection

I was involved in an auto accident on XXXX. My daughter, age XXXX, and I were transported to the hospital via ambulance and were seen and billed. There was a settlement that sent a check to satisfy me and my daughters bills. ( Both bills were billed in my name ) The original creditor ( XXXX XXXX ) applied the money towards my bill, and kept the overpayment and did not pay the second bill for my daughter. They then sent my daughters bill to collections with Penn Credit Corp. They now are trying to get me to pay a portion of the bill that shouldve already been paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to XXXX, Experian and XXXX on XX/XX/2020 about inaccurate and unverifiable items on my credit report. It has been almost 60 days and I have not received a response from anyone. I feel like my dispute letters are being ignored and that it does not matter and that I am being taken advantage of. In section 611 ( a ), it plainly says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been almost 60 days, these items should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation due to the stress this is causing me. I am trying to apply for a mortgage and this is preventing me from doing so.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and notice that I have fraudulent activity
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX, XXXX and Transunion, have violated my federally protected consumer rights to privacy and confidentiality under USC 1681.

According to 15 U.S.C 1681 section 602 A I have the right to privacy. 
These addresses do not belong to my credit XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MD XXXX Also inproper names : XXXX XXXX XXXX XXXX