23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Our mortgage with XXXX XXXX XXXX went into foreclosure due to their categorically refusing to work with us when we requested assistance. After several years, the servicing was taken over by Seterus -- HORRIBLE HORRIBLE company!!!!! They played games with us the entire time. We wanted to do a modification and they gave us a hard time from beginning to end. First, they refused to work with us until we signed a waver agreeing to never suing them. We really didn't want to sign such a document but they wouldn't entertain a modification with us unless we did, so we had to. During the trial period, we has to send them mortgage payments for 3 consecutive months. They claimed they didn't receive the payments and gave us a hard time about letting us do a XXXX XXXX payment ( and cancel the checks that were mailed in ) -- this was for 2 out of the 3 payments! We never had a situation where a payment went " missing ''. They told us we should continue making mortgage payments until the modification was " official '' and we did. In the interim, our loan was transferred to Mr. Cooper. I was calling them weekly to get updates on our modification. At this time we stopped sending payments as Mr. Cooper didn't have us officially in and we weren't sure where the payments would go. Also, none of the agents I spoke with could tell me anything regarding payments. After 4 months, we were told the modification was approved and that we should start making payments and we did. However, we were told that we were 6 months behind!! Besides the 4 months that we didn't pay Mr. Cooper, we had to pay the 2 months from Seterus.  We had the 4 months, but didn't have the 2 months for Seterus as we had already paid them after the trial modification. It seems that Seterus did not apply these 2 extra mortgage payments to our mortgage, but used them to cover attorney 's fees. We were forced to come up with 2 months extra of mortgage payments due to this. We were devastated. Seterus was very underhanded with us in every way possible. They didn't care if we lost our home, even though we were making every effort to make sure we wouldn't. How could they let us believe we were making mortgage payments and apply it elsewhere and then say we owe mortgage??? It seems that banks are given too much freedom to do whatever they want and treat their customers dishonestly and not suffer any repercussions from it. We went through XXXX trying to keep our home, all because the banks were permitted to take advantage of the American public. Seterus has got to be the MOST DISHONEST AND UNDERHANDED company we've ever worked with. Their agents are nasty, rude, and blatantly lie. They will not say anything that may give you any assurance or hope. We have no way of recouping the extra 2 mortgage payments we made ( we had to borrow to make the extra payments ). And although there is discussion online about a class action suit against Seterus, I'm not sure we can take part as we were forced to sign a waiver ( they obviously know there is a lot of negative discussion about them ). We hope and pray that they be taken out and not be permitted to torment the American public any longer.
Product: Credit reporting

I sent in information about the bankruptcy being removed from my credit report and the inquiry Credit Info to be removed and also sent in a letter stating the bankruptcy office does not report that information and that it needed to be removed. These has not been validated.
Product: Credit reporting or other personal consumer reports

6 Hard Inquiries that I did not apply for : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Target XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to bring to your attention significant discrepancies that I have discovered in my credit report concerning several accounts. I am deeply concerned about the accuracy and fairness of the information presented in my credit report, and I would like to formally request your assistance in resolving this matter promptly. 
Upon reviewing my credit report from Experian along with XXXX and XXXX, I have identified major inconsistencies in the account information. The discrepancies relate to the following accounts : XXXX XXXX XXXX XXXX Discrepancy : Number of late payments differ between reports XXXX XXXX Discrepancy : Payment history differ between reports, 2 accounts with same account number but different balances and information XXXX XXXX Discrepancy : Number of late payments and payment history differ XXXX XXXX Discrepancy : Payment History differ XXXX XXXX XXXX XXXX Discrepancy : Payment history differ I have taken the necessary steps to verify the information provided by these accounts and have found discrepancies between what is reported on my credit report and the actual facts. The inaccuracies in the report have a significant impact on my creditworthiness and financial reputation, which could potentially hinder my ability to access credit, loans, and other financial opportunities. I have already asked the credit reporting agencies to investigate my reports and not only did they take longer than 30 days to respond they did not fix any of the mistakes. 

As a consumer, I am aware of my rights under the Fair Credit Reporting Act ( FCRA ) to dispute inaccurate or incomplete information on my credit report. Furthermore, I would like to bring to your attention that the discrepancies I have uncovered in my credit report are substantial and require immediate attention as per the guidelines established by the FCRA. 

In light of these findings and under the provisions of the FCRA, I formally request that you take the necessary steps to investigate and rectify these discrepancies. I kindly ask that the incorrect accounts be removed from my credit report without delay, as they are not a true reflection of my credit history. By law, I am entitled to an accurate and fair credit report, which has a direct impact on my financial wellbeing. 

Enclosed with this letter, please find relevant documentation supporting my claims and outlining the discrepancies I have identified. I kindly request your prompt attention to this matter and a written confirmation of the actions taken to rectify the inaccuracies. 

Thank you for your time and consideration. I look forward to your swift response and resolution of this matter. 

Sincerely, XXXX XXXX
Product: Checking or savings account

Our small payday lending business has been banking w/XXXX XXXX XXXX XXXX since they came to XXXX Kentucky market in 2015. They recently closed our checking, money market savings & affiliated Credit Card accounts providing no rationale except because they can. 

It appears this bank discontinuance action may be a residual of the " XXXX XXXX XXXX '' era of banking practices. 

Please review the attached detailed explanation letter I recently wrote to the FDIC, the Federal Reserve, and your interim Director as well as my state & Federal Legislators.
Product: Vehicle loan or lease

I leased a XXXX XXXX XXXX with Chrysler Capital. The lease ended XX/XX/XXXX, and I returned the vehicle to XXXX XXXX XXXX, where the car was originally leased. The first problem is that the Chrysler Capital webpage still shows me as owing money, however because of Chryslers inability to maintain an updated webpage, I was forced to make an extra payment in the amount of {$540.00}. I have made multiple calls to Chrysler Capital to request a refund for this overpayment, which was approved after I had to send in a copy of my bank statements. They continue to call me daily on an auto dialer about this XXXX XXXX that was already returned, including sending me letters that my credit would be affected. Chrysler Capital has already been overpaid, and the car was returned on XX/XX/XXXX as the contract required. When customer service calls me they have a different answer every time I speak with them about where my refund is. Further, they want me to resolve a returned vehicle issue when the vehicle was already returned 30 days ago.
Product: Debt collection

For 4 years we have been sent to collection agencies for a bogus debt. This is either for XXXX or XXXX. I believe it is both, I had no contract with A XXXX XXXX XXXX at the time of dissolution and returned all equipment to XXXX when we moved in 2013. I have called, written letters to no avail. I owe neither of these debts.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX inquiries on credit on transiuion that. I was victim of them placing and removing and replacing on my report and the refuse to remove them. Or take care of this issue! Please fix this!
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/2024 2024
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). Equifax credit reporting did not provide an address or information on the name of this debt 1. No Validation. By FDCPA, US 15 U.S.C 162g 2. Does not show original creditor or company collection agency 3. Two accounts shown on the report for {$90.00} and {$680.00}. Status is shown as date 2021 4. No contact name and no contact address or phone number. Possible data breaches and could be possible that my information was shared without consent and these debts do not belong to me
Product: Credit reporting or other personal consumer reports

I did not authorized these companies to run my credit it's fraudulent.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under XX/XX/XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score has been penalized by minus ten points for no fault or any choice made of my own but for the unfair practices and scoring model of TransUnion. 

Financial institutions often sell mortgages and loans to other Financial Institutions and then close the accounts without the consumer having any saying or any choice in the process. My mortgage first originated in 2002, the oldest record from a financial institution that showed in my record that was sold to another mortgage company years ago has now expired and erased from my credit history because of that TransUnion punish me with 10 points deduction despite that I have been paying every bill on time and that I have been working hard at trying to increase my credit score over the last several years, yet I keep being push back by the UNFAIR scoring model of TransUnion. I demand that TransUnion ( and all three credit score bureaus ) make the proper adjustments to stop punishing the credit scores for reasons that are not the fault, or that are not a direct choice or action taken by the consumers. 

How is it a fair reporting of a consumer credit history to be punished for reasons well beyond the control of the consumer?
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Credit Reporting agency, the list of accounts below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXXXXXX. XXXX vacation own. XXXX XXXX XXXX. XXXX XXXX  XXXX. has violated my rights. 
When I requested my credit report from XXXX on XXXX I notice somethings were incomplete and not accurate, and according to the fair credit reporting act. whenever a consumer reporting agency prepare a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ) And according to 15 USC 1681i 5 they are supposed to do this ( 5 ) treatment of inaccurate or unverifiable information.

( A ) in general, after any reinvestigation under paragraph ( 1 ) of any info disputed.by a consumer, an item of information from the file is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from my file of the consumer, or modify that item information, as appropriate, based on the results of the reinvestigation : and ( ii ) promptly notify the furnisher of that information that the information has modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is accurate.
Product: Debt collection

Today Card has sent my account to collections to NCB Inc Management and while I do owe something I do not owe the amount they saying I owed. I signed up for a covid relief program they were offering and they said that I would not be charged interest and my payments would be waived for the time that I requested the covid relief because my hours had been cut at work during that time and they assured me that my payments would not be doubled once I resumed payments. They continuously charged me late fees and interest during that time. Most of what is owed is not from charges I made its from the interest and late fees that charged during the time I was suppose to be given relief during a hardship.
Product: Credit reporting

Court of Common Pleas or XXXX improperly placed this item on my credit report as this was included in my bankruptcy and I should not be held liable.
Product: Credit reporting or other personal consumer reports

XXXX XXXX balance of {$1800.00} XXXX XXXX balance of {$3600.00} XXXX XXXX XXXX balance of {$11000.00} XXXX balance of {$4700.00} XXXX XXXX balance of {$0.00} All of the above should have been removed from my reports the same time the derogatory information was removed XX/XX/XXXX I only have one Credit Card and it is a XXXX XXXXXXXX Card with a {$300.00} limit. I don't use credit. 

The Hard Inquires need to be removed I have not applied for any credit aside from my car and house and those I will not list for removal. 
XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX This needs to stop, I have never seen this dirty mess before.
Product: Debt collection

XX/XX/2021, a debt from XXXX XXXX was obtained by Jefferson Capital System for collection under my SSN. I did not have this account with XXXX and never did. The name on the account is not even mine but it is reported in my credit report. I have disputed the account multiple times but it still has not been deleted. My name is XXXX XXXX, and the name on the account is XXXX XXXX. I contacted Jefferson Capital System by phone to figure something out, as I need it removed so that i can get financial aid for school. When i contacted them they said that they could not speak to me about the account because my name isnt the name on the account. Well, that is obvious. The supervisor XXXX said he can not help me and he just hung up on me. This is illegal and just rude.
Product: Debt collection

A notice of cease and desist, as well as certified proof of contract was sent to Receivables Outsourcing , LLC on XXXX XXXX. However, they refuse to respond. Instead they continue to harass and contact me every day a couple of times a day, since the date listed on the notification letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I SEND A LETTER TO EACH CREDIT BUREAU BY USPS ON XX/XX/2022. THE TRACKING NUMBERS ARE AS FOLLOW ; XXXX # XXXX, EXPERIAN # XXXX AND XXXX # XXXX. I GIVE CLEAR INSTRUCTIONS TO REMOVE INFORMATIONS I DONT WANT ON MY CREDIT REPORT. ACCORDING TO THE FAIR CREDIT REPORTING ACT 15 USC 1681. I HAVE THE RIGHT TO PRIVACY. ALSO ACCORDING TO 15 USC 6802. NO FINANCIAL INSTITUTION SUPPOSE TO SHARE MY INFORMATION TO A THIRD PARTY PEOPLE. 
THESE ARE CLEAR VIOLATIONS OF MY FEDERALLY PROTECTED CONSUMER RIGHTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following are hard inquiries on my account that don't belong because I've never applied for a credit card with any of these businesses. There is currently an investigation going on in which my mother had taken loans on my credit and I believe she is the one still applying for credit cards. 
XXXX XXXX Inquiry from XX/XX/XXXX All Banks Discover Bank Inquiry from XX/XX/XXXX National Credit Card Cos. 
XXXX Inquiry from XX/XX/XXXX National Credit Card Cos. 
XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX All Banks Discover Bank Inquiry from XX/XX/XXXX National Credit Card Cos. 
XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX All Banks
Product: Debt collection

On XX/XX/2022, I reviewed the response made by the debt collector regarding my previous CFPB complaint. 

I would like to notify the debt collector that I did not have any insurance specified by the debt collector. This is also why I am disputing the debt. 

I still request this debt collector not to report this debt to any credit bureaux and verify the debt with me because I did not have any connection with their purported claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have student loans which have been in default but for the past 3 to 4 years the monies have been coming directly out of my paycheck. And when the CARES Act was initiated, the company I work for suspended payment to the company named XXXX XXXX. I am trying to move into an apartment and I was denied then I looked at my credit score and it had tanked tremendously. I did file a dispute with Experian but I was not sure if I should do the same with the other credit bureaus. I was told by XXXX that it would look like non-payments because there were no payments made. So I asked what about the CARES Act and was told that it did not apply to defaulted loans. But when looking at your site I read the following. ( From your site ) If your federal student loan is already in default, The CARES Act requires the Department of Education to stop the collection of defaulted federal student loans, including garnishment of wages and the offset of tax refunds and Social Security benefits, through XX/XX/2020. XXXX There is no additional action required from you for your federally- owned loans. For all other defaulted federal loans, contact your loan holder to find out about your options. 

If you are rehabilitating a defaulted student loan, any missed payments through XX/XX/2020, * due to the coronavirus pandemic will not be considered a missed payment against your rehabilitation. 

Can you help me in this matter. I just want my credit score to be reflected that the payments are being paid or stopped due to COVID 19. 

Thank you for your assistance in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX and I am aware that my rights have been violated. These accounts have invalid information and these companies refuse to follow the laws. I need help with these accounts being removed from all 3 of my credit reports. 

In accordance with the Fair Credit Reporting Act, XXXX  Account # XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX  Account # XXXXXXXX XXXX  Account # XXXX DP OF EDUC Account # XXXX XXXX Account # XXXXXXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXXXXXX XXXX Account # XXXX Untitled XXXX XXXX Collection/Chargeoff, Medical Subject has not satisfied debt. } Account # XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have rights 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.
Product: Debt collection

Per Credit monitoring services that we pay for, we received notification of new added account on credit report. 
I called the collections department 3 times at the number ( Tel : XXXX ) as stated on their webpage ( XXXX XXXX XXXXsunrisecreditservicesXXXX-sunrise ). 

I then proceeded to call the Sales department to get someone to answer the line. I spoke with a guy who asked another guy in the background if he could verify. He did not. He asked for my name and number. No personal information was verified. I am not aware of this company or how they have my contact information and access to my credit report. There were no communications prior to the account being added to my credit report. IF the company objects, I ask for proof of communication with XXXX ( myself ). 

Moving forward, I was then legally directed to validation with the notice emailed below.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of fraudulent accounts from my credit report due to my status as a victim of a recent data breach and identity theft. This incident has led to unauthorized accounts and inquiries, which have adversely affected my credit standing. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2 ( a ), I am entitled to request the blocking of fraudulent information related to identity theft. Additionally, the re-insertion of any previously deleted fraudulent accounts constitutes a violation of the FCRA. 
The following addresses, which I have never resided at, were fraudulently added to my credit report and need to be removed : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX To substantiate my claim, I have attached the following documentation, which has been accepted by other credit bureaus for the removal of these fraudulent accounts and addresses : Notarized Identity Affidavit Notarized FTC Identity Theft Criminal Complaint # XXXX Notarized Utility Bill and Proof of Removal from other credit bureaus. Furthermore, I am a victim of the XXXX XXXX XXXX ( proof attached ), which contributed to the misuse of my personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted TransUnion many times and explained that the accounts that they are reporting under my name a fraud accounts. I have sent all the requested documents & they continue to report the accounts that do not belong to me. I am requesting again for the fourth time to please delete and block the accounts that you are reporting for several Accounts from the Dep of Ed/XXXX. I am asking again to please delete & block this information. I have been sending the request for these accounts to be deleted since XX/XX/2019 and nothing has been done just a computer generated response. Please delete these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage lender, Service Mac is reporting my account delinquent during Covid-19 pandemic forbearance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not apply for a house and Credco ran my credit without consent.