23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Seterus Inc. is willfully attempting to collect escrow payments which will not be disbursed. Seterus IncXXXX has negatively effected my my credit score and my ability to perform obligations of my employment. I have verbally and in certified postage attempted to point out the mistake however Seterus IncXXXX continuously redefines the date Seterus Inc. is obligated to respond to my inquiry. 

Seterus, Inc. operates as a subsidiary of XXXX XXXX XXXX XXXX ( XXXX ) ; thus the same corporation that boosts of XXXX a natural language, question answering computer can not determine the date a mortgage will be paid off utilizing a simple mortgage amortization schedule. 

My loan was transferred to Seterus Inc. after the banking failure in 2008. Payments have been on time for the full duration of the loan. I have paid additional principal payments from time to time ; therefore my loan will be paid off six months early. Seterus Inc. is attempting to collect tax and insurance payments that are not due until after the loan is paid off. Seterus Inc. representatives admit the funds collected will not be disbursed from my escrow account because the date the tax and insurance payments are due is after the date the loan will be payed off. I have been told that I can apply for a refund after the account is closed ; this is affectively a penalty for prepaying my principal. Seterus Inc. has breached several tenets of the signed mortgage. 

I have received notification that payments received by Seterus Inc. are not being honored and are held in a suspense account. I have verbally explained to Seterus Inc. representatives the errors Seterus Inc. has made. No attempt to correct the errors has been made, nor has an explanation been offered by Seterus Inc. why Seterus Inc. believes no error had occurred.
Product: Money transfer, virtual currency, or money service

XX/XX/year>, I received an email on XXXX from a stranger named XXXX XXXX XXXX she said she was well versed in crypto and I expressed an interested in learning about crypto.3 weeks later she helped me establish an account with Coinbase and I purchased crypto with that account. During that account setup and purchase session Coinbased expressed a concern that I was being scammed and that they were locking my account for 45 days and would investigate my transactions. Coinbase would not transfer the crypto to another account of mine and would not convert the value back to U.s. dollars. " The account was locked ''. approximately 50 days later XXXX went into my account and took the crypto valued at approximately {$4900.00}. I made several requests to transfer the currency to another account but could never get pass their password issue. I want my money back from this locked account!!!
Product: Debt collection

When I was a XXXX XXXX year old, I opened a XXXX XXXX XXXX credit card mid to late 2015 ( oldest recovered statement XX/XX/15 ) : my first ever credit card and I failed like most young adults. I initially made reasonable charges and paid my debt on time, working at XXXX as an Associate Stylist. But after taking on more liabilities than I could handle, I leaned on my credit card irresponsibly. Sadly I ended up losing my job, my debt compounded interest & fees and I was stuck owing {$2900.00}. Honestly, this amount of debt overwhelmed me, I wasn't able to pay my debt with {$0.00} income, and I didn't know what to do. So out of pure adolescent ignorance, I became paralyzed with fear and I let it sit ; as my debt was then overtaken by Midland Funding. One day their representation pulled up in a SUV in front of my house and served me a subpoena to appear in court. If their intention was to frighten me, it worked! So I showed up to court as asked, we discussed and afterwards I waited to hear back. Soon after, I moved to a new place of residence and lost track of the status of the case. I don't remember receiving further updates. Overall, I wasn't equipped to deal with this circumstance properly and I ended up in deep trouble. However, I do understand that I am still held accountable for my negligence. So CFPB, I appreciate the opportunity to reconcile my professional relationship with Midland Funding and XXXX because I will prove trust worthy with lenders by borrowing responsibly and paying back promptly moving forward.
Product: Debt collection

On XXXX I called One main financial to get debt validation, payment history, and if there was an insurance claim on this debt, also it shows collection/charge off on reports. Account charge off {$1600.00} written off {$2000.00} past due. 
I spoke with XXXX XXXX at One main. 
When I asked about it being reported collections/charged off. She explained it was sent to collection and came back to One Main. Today, I got a alert that remarks of Collection/charge off was changed on report. It seems shady and fraudulent. But, I'm no Legal authority. Also, the account number on the main reporting agencies are different than the one she had on her files.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX was paid prior to my filing for bankruptcy, was at a XXXX   balance before collections, and should not have gone to collections in the frist place.
Product: Credit reporting, credit repair services, or other personal consumer reports

the company is with XXXX XXXX XXXX XXXX who are reporting multiple late payments when I actually was making extra payments and or higher payments towards my loan by choice to pay it down. regular payments were {$320.00} and as shown in my receipts i even payed XXXX XXXX in some months. others were returned because they would hit my account a long time from when i submitted the payments, however I then made the payments from a different account as soon as i was notified by my bank that it was returned. even still there is no way it was 30 to 90 days late from when i payed from another account unless their own processing ( which is long already ) took that long so i could notice. I'm pretty sure this is false reporting and very bad business. would not do buisnessbwith them again. they also reported a credit card balance in which I was not the primary account holder. they should know that and i think they were trying to see of i would just pay it off. one customer service representative told me it was on my credit for ten years but wouldn't effect my credit. i think this is totally unprofessional terrible business on their part for what seems to be their way of doing business in quickly reporting customers to credit bureaus with incorrect reporting. Also, i have contacted EXPERIAN who has this reported and it's nearly impossible to get them on the phone. they also will not correct the dispute. i find the credit bureau to be very difficult compared to transunion
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings, My name is XXXX. This is simple really, I had to have a replacement card sent to me because I lost my previous card. I have already paid off the account, pictures are bellow ) and they still have this lost card under my closed accounts. I need all the the room I can get in my credit report. Im a XXXX year old XXXX XXXX XXXX moving out XX/XX/XXXX. Thank you very much for anything that you can do. XXXX bless.
Product: Student loan

Upon contacting customer service, I was told that the reason my monthly rate had suddenly doubled was that my income had been reassessed and now I had a new monthly payment. However, even though my income did not change appreciably my payment was now twice what it was before ( {$200.00} vs {$100.00} ). I am of the opinion that the IRS gave them the wrong information although I have no way to prove it. I am continuing to pay the {$100.00} payment I agreed to. If this causes further bookkeeping problems that is beyond my control. I am at least making an effort to pay my debt which is more than I can say for others. 
I am not asking you to resolve my issue, merely to air it. The publicity alone may solve the problem.
Product: Debt collection

Issue of account, as of XXXX, I terminated my service with the company ( XXXX ), due to ( about every 6 months ) they were 'forward billing ' a balance as 'collectable ' that should not have been due.

This had occurred at least two or three time within 2 years, and at least twice I reviewed with a management team member the bill balances comparable to payments made, and their admitting or acknowledging of payments resolve. 

At the point of terminating service ( or switching out service ), I had ensured my 'service bill balance ' was resolved without any balance due. The exception of any amount due would have been only the portion of ( 1 ) one 'phone purchase balance ' remaining. 

After sometime of switching service, I received a collection notice. I had agreed to pay the portion of the phone balance due, and was in dispute of any account service balance due. At the point of mailing in the agreed upon portion of payment of the phone, with a letter requesting to resolve account as paid in full ; I received my check and letter back in the mail without resolve. 

I called to see what the issue was, but at first without answer and then with reason of the 'collection account ' had been turned back over to XXXX XXXX I then received a new notice of collection from a new collection agency. 

Of which dealing with ( MRS o/b XXXX  ), I made the same statement of acknowledgement and request, for the portion agreeable as due ( {$480.00} as paid ) and with dispute of any service balance. It was confirmed for me to mail in the agreed upon payment which I did XXXX, and again with letter requesting to resolve as paid in full. 

I made my check payment as payable to XXXX, such as indicated on the collector agency 's bill notice. After not receiving any acknowledgement of 'paid in full '. I then called and was first informed my payment was not received, on a second call a few days or week or so later it was said my payment was forwarded to XXXX and was not acknowledged for resolving the agency collection balance, due to the check made payable to XXXX ; however the collection notice instructed to make checks payable to XXXX. 

After some time again attempting to address, resolve, and clear the record of balance, I finally was able to speak with a XXXX management team member, regarding the is miss handling of my agreed upon payment and failure of the agency to process and acknowledge as paid in full as agreed from phone prior phone conversations. The XXXX management after reviewing acknowledge the agencies miss handling of notating and resolving the account and payment. 

I would like my name and account cleared of any and all balances due and negative credit reporting. I would like the account credit reporting to show as paid in full and satisfied, as payments agreed upon have been provided as and reference as such : >> first check payment for portion as agreed, dated XXXX / {$150.00} -check # XXXX ; and final payment for portion as agreed, dated XXXX / {$330.00} -check # XXXX was processed and clear my banking on XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX repoted that I replied for credit in which I never heard of this company when I reached out to them they didnt have my SS # or my birth date the date they are reporting this on XX/XX/XXXXXXXX XXXX XXXX XXXX is reporting that I applied for credit I. Which I never finished the application they started reporting on XXXX XXXX XXXX XXXX
Product: Mortgage

I keep getting robo calls from a specialized loan servicing vendor at XXXX : " Hello this is specialized loan servicing this attempt is to confirm whether or not you have have been affected by the recent disaster in your area please contact our customer care department at XXXX we are available Monday through Friday XXXX XXXX to XXXX XXXX  mountain time. '' XX/XX/XXXX they have called seventeen times and left seventeen voicemails. 

The dates and times of these calls are : XX/XX/XXXX @ XXXX XXXX. 
XX/XX/XXXX @ XXXX XXXX. 
XX/XX/XXXX @ XXXX XXXX. 
XX/XX/XXXX @ XXXX XXXX. 
XX/XX/XXXX @ XXXX XXXX. 
XXXX @ XXXX XXXX. 
XXXX @ XXXX XXXX. 
XX/XX/XXXX @ XXXX XXXX. 
XX/XX/XXXX @ XXXX XXXX. 
XX/XX/XXXX @ XXXX XXXX. 
XX/XX/XXXX @ XXXX XXXX. 
XX/XX/XXXX @ XXXX XXXX. 
XX/XX/XXXX @ XXXX XXXX. 
XXXX @ XXXX XXXX. 
XXXX @ XXXX XXXX. 
XXXX @ XXXX XXXX. 
XXXX @ XXXX XXXX. 

This provider is the second mortgage on my XX/XX/XXXX which was originated at the height of the XXXX bubble. The primary lender paid for an inspection of the property and hasn't bothered me. If they want to know if the property has been impacted, they are welcome to coordinate with the primary lender or pay for their own inspection. 

These calls need to stop. I'm not calling and waiting on hold to waste my time dealing with this seedy third rate servicer just to save then a few bucks. I continue to make payments on time and as expected. The nonstop calls are annoying and as a result I have today blocked their robo call vendor.
Product: Credit reporting or other personal consumer reports

My Experian credit report contains inaccuracies that should have never been reported, and I find this completely unacceptable. These errors raise serious concerns about the reliability of your reporting process. The presence of such incorrect information is negatively impacting my financial stability, and I will not stand by while these mistakes go unaddressed. 

As a consumer, I have a legal right to a credit report free from false or unverifiable data. The FCRA mandates that all reported information be accurate, and any errors must be corrected immediately. I demand a full investigation and immediate corrective action. Any delay in resolving these issues will not be tolerated. 

Previous Address ( es ) 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 XXXXXX/XX/year>
Product: Credit card

I received a text message from Capitol One that my billing address had been changed. I immediately called them and told them that was not me. The address it has been changed to was in XXXX. Also, the person who called them and pretended to be me requested a second user be added to the account and requested a card me sent to them.I found out the card had already been mailed to the hacker. The guy I talked to told me the name of the person and read the address in XXXX  to me. Of course, it was someone I never heard of. I've lived in my current city for 55 years! Capitol One made me send a copy of my drivers license and Social Security card to them. They changed my address back to the correct address and cancelled the card they had sent to the hacker. The next day, I check on my card. The billing address had been changed back to the hackers address. And the second additional card had been reactivated. I request a hold be put on the card. The next day, the account was reopened! The hackers had called during the night and opened the account again! The guy told me the hackers call at night when calls are routed overseas. When I sent copies of my id's., the hackers grabbed them and were using them to re-open the account. I requested my card be cancelled and the account be closed. I also requested a paper statement be mailed to me so I could pay my final bill. I did not receive the bill after 2 weeks. I called and they told me it was mailed on XX/XX/2023. This was now 2 weeks later. It took another week and a half before I finally got my statement. And they hit me with a {$25.00} LATE FEE which they refused to rescind. I called and said I did not think the late fee was fair because it took them almost 4 weeks to get the statement to me. I found out they had sent my statement to the hackers at the address they kept changing it to. The hackers now had my statement which showed all the places that I had payments automatically paid by credit card. The hackers then used that information to get into some of those accounts. And I had 96,000 points that the hackers used, and Capitol One never returned those points to me. This all started in early XX/XX/2023. I would never use Capitol One!
Product: Credit reporting

XX/XX/2015 I recieved results from Equifax stating XXXX-XXXX was not reporting on credit file XXXX not reporting on credit file XXXX XXXX not reporting on credit file XXXX not reporting on credit file. 
I have attached the Equifax Results from XX/XX/XXXX with Equifax stating that. 
After a couple Equifax has let the items come back on my credit report without proper notification of the 5 days per FCRA 611 15 U.S.C 1681I. 
You have clearly violated my rights and I am being denyed credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently moved ( XX/XX/2019 ). Up to that time I had been making payments to Wells Fargo Dealer Services for my vehicle. I had switched jobs and had a lot of things happening. I went 30 days past due, no contact from Wells Fargo on payment due. They have my phone and email address but failed to contact me. I received a credit alert via credit monitoring and when contacting Wells Fargo I was told that they indeed failed to contact me. I proceeded to pay the entire balance and set up auto payment with them. Every other financial institution will reach out and contact you, Wells Fargo is more interested in destroying credit than customer service because they declined my XXXX   dispute to fix this.
Product: Debt collection

I do n't know these companies or debts, tried to reach out to get information on debt but nothing was sent or verified to me, I disputed with XXXX, XXXX, and XXXX but it comes back as verified but I did n't receive anything, if this debt is valid ( which it should not be ) I did not authorize my personal information to be shared with a third party company I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization. I am also XXXX and have been receiving XXXX health insurance such as XXXX and XXXX which was presented as form of payment at every doctor appointment so I 'm not sure why there is even a debt to begin with.
Product: Checking or savings account

Hello This is for a trading account, this company took XXXX of my money and has been holding it XXXX for over a week now with no resolution in sight. 

They put my account on hold for no reason, blocked me from doing any transactions, requested i verify my identity several times. After complying with all these requests they are now telling me my account and funds are restricted for another 30 days. 

This has caused me to miss out on investment opportunities due to the restrictions and holding of my funds, that will likely never occur again. Now there is no end in sight to even get my money out of this account.
Product: Credit reporting

Collection is being reported that was paid to the original creditor. I have had no contact with the collection agency prior to the debt being paid to the creditor. They refuse to remove it from my credit report.
Product: Checking or savings account

I'm filing a complaint against my bank BBVA compass I have two accounts for them one is a personal checking ending in XXXX and the other is a is a XXXX XXXX Trust which ends in XXXX they approved the trust agreement they're legal department prior to it being approved and it was approved to form on in XXXX of 2020 on I am on XXXX I received an ACH deposit on behalf of one of the beneficiaries of the trust there was no problem with the bank I did not receive any written notice of there being a problem I'm around XXXX I went into the bank to withdraw funds some funds and they told me my accounts were frozen and that I had to add a certain individual to my account which I told them that I did not want to do because according to the trust agreement I did not have to so they froze my personal checking account and the trust account and have sent me an all kinds of wild goose chases trying to get the account in Frozen they ended up closing the checking account and they say they're closing the trust account and sending the original aceh deposit back and meanwhile I'm being charged NSF fees for returned items for the original originator and their on their side they have blocked me out of all my mobile banking so I can't see what's going on and the bankers involved are XXXX XXXX and the person in fraud t investigations who stated they were freezing my account is XXXX XXXX.
Product: Credit card or prepaid card

In XXXX of 2020, American express abruptly changed my APR from 13.24 % to 29.44 %. I did not notice this until XXXX XXXX, 2020. When I called American Express inquiring why I was paying what I perceived as exorbitant interest on a relatively small balance, they told me I had a " late payment '' that triggered a penalty fee in XX/XX/2020. At that point, the agent reduced my interest rate back to 13.24 % moving forward from XX/XX/2020 onwards, however I was still responsible to pay the interest incurred from XXXX of 2020, which amounted to {$520.00} extra interest than expected. 

Later, I called American Express again asking to remove this interest rate on the basis of being a loyal cardmember for over 16 years. They refused to return the interest that was charged. 

This inspired me to dig into my monthly statements, and what I found was disturbing. I pulled up all of my monthly statements from the period of XXXX through XX/XX/2020 and discovered that American Express had, without notice, fraudulently increased my interest rate to over double the 13.24 % usual interest rate, starting in XXXX of 2020. I cross referenced every single payment and all minimum payments and confirmed that each month during the year I had paid in full, and on time. Furthermore, I had autopay setup, so there was no possible way that underpayment could have happened. Essentially, American Express first lied to me, and then when I called back after researching my all of my monthly statements, they claimed that some returned payment in XX/XX/2020 was to blame. When I looked into this, I discovered that yes, a returned payment did occur, however I paid XXXX additional times for a total payment of {$4200.00}, when my minimum payment was {$1700.00}. It is fraudulent and illegal for American Express to raise my interest rate without just cause, and furthermore without notice. I would like that the CFPB corrects American Express ' practices to improve their record keeping to actually look at customers total monthly payments and dates before they fraudulently increase interest rates and rip people off. I felt cheated and taken advantage of. American Express definitely was not looking out for the customer in this case.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX. I am a victim of Identity theft. I have enclosed a notarized Identity theft Affidavit proving it is in Fact me that submitted this report I did not authorize these inquiry requests and I did not make these charges mentioned with the list. I meet all the qualifications under 15 USC 1681c-2 for Block and Removal of the information on my consumer report. Failure to comply is a violation of my rights as a consumer.