23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My mortgage was sold to Seterus. I received the 15-day notice from Bank XXXX XXXX. In reading the notice it stated that my loan was being transferred XX/XX/XXXX. It stated that I could make my XXXX payment to Bank XXXX if it were a timely payment. I have a 16 day grace period and I was well within it on XXXX XXXX, 2016 and TODAY. I went to transfer funds and discovered that XXXX had removed my mortgage account information. Thus, i have been unable to make my XXXX payment. 

To top that off, I have not received my notice from Seterus as of yet. I proactively called XXXX to obtain Seterus ' information. They gave me the payment address of XXXX. XXXX XXXX, XXXX XXXX, CA XXXX. However, when I went to Seterus ' website, I was given a different address. Thus, I am unsure where to mail the payment. Additionally, XXXX do not accept XXXX. 

I proactively called Seterus to talk with a Representative to obtain my account information to put on my check. I still have not spoken to anyone. I have received circular messaging for several days and i have not gotten a live person the phone. 

On of their messages says to go on line to register to make a payment. I went online to register and make a payment. Their website states that you need your Seterus Loan number to register. Unfortunately, I do not have it because i never received their notice. 

I was planning to XXXX them the payment today XXXX XXXX, 2016. However, I do not have an account number to put on the check. I looked at their other payment options and their fees are very high. All I want to do is pay my mortgage in a timely manner. 

I did a XXXX search on this Company and I am concerned. There are so many negative statements about them and the way they do business. Do I have any recourse? 

My loan with XXXX XXXX XXXX was current as of last month. I am currently injured and unable to put weight on foot. Thus, I am unable to do a lot of running around and handling stressful situations. I have the ability to pay my mortgage, I do not want it to fall in arrears. Please provide guidance on navigating this maze, that I would like to avoid. Is there anyway to go back to XXXX? 

If not how do I get Seterus on the phone to obtain my account information? Additionally, please provide me the applicable authorities for this situation. 

Thank you,
Product: Mortgage

My mortgage started on XX/XX/XXXX with XXXX XXXX. It was sold to Statebridge starting XX/XX/XXXX. Statebridge then increased the rate and changed the escrow terms illegally. 

I requested to cancel the escrow account in XXXX and provided the proof of payment for the XXXX whole year property tax as requested by Statebridge. After I called them many times, they finally responded in XXXX. that they rejected the request stating that the escrow account must remain open for one year. I notified them that the original mortgage agreement I signed with XXXX did not have this requirement and according to the federal law, they cant change terms when the mortgage was sold to them. Ive also requested them to provide documents and proof that they have legitimate and legal reason to add this requirement. They just ignored my requests whatsoever. In XX/XX/XXXX I notified them that the mortgage had been one year and the escrow account should be able to be cancelled as they promised even with their newly added requirement I did not agree. But they again postponed the cancellation date to XXXX. 

During the time Ive also repeatedly requested the balance on the escrow account to be refunded or applied to the principle balance. They just ignored all my requests. And the escrow account had accrued more than {$15000.00} balance at this time. According to the service terms, the escrow account was established to pay the property costs so that the borrower did not have to pay one or two large payments a year. Since we had already paid the property tax for the whole year and requested to cancel the escrow account ( and would pay insurance by myself ), the escrow account was not servicing its purpose. They kept collecting the escrow funds each month and holding the funds there not servicing its purpose, which was against the service terms and illegal.

When the mortgage was sold to Statebridge in XXXX, they secretly increase our mortgage rate from 2.75 % to 3 %. When I found out the rate change in XX/XX/XXXX. and contacted them, the representative over the phone tried to lie to me that the rate did not change, and then lied to me that the rate increased because it was on the XXXX ARM. Though they finally reversed the rate on XX/XX/XXXX after my insistence and contacted them multiple times, Id like to point out they were committing something illegal.
Product: Mortgage

Company- loancare issue- failure to cancel PMI On XX/XX/2018 I paid my mortgage down to below 78 % for which requires the services to cancel my PMI. I contact them in writing twice and phone twice. The first phone call they stated they would cancel PMI asap in accordance with the law. As of a month later it has yet to be cancelled and on XX/XX/XXXX I contacted them again and they stated they have not canceled it since they must look into the loan to make sure everything is up to date which it is. I contacted them again in writing stating I would submit a formal complaint for failure to act in a timely matter and propagation of false information over the phone. They have still not gotten back with me nor sent me any documents for removal of PMI, or even asked for proof of no secondary liens on the property. 
I have never missed a payment, have a credit score of over 800, and they are have subsequently failed to follow the laws of PMI cancelation. Terrible company. One would only expect to have issues with a company when they are late or delinquent on payments but to perform illegally against customers who are up to date on payments is ridiculous.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX VERIFICATION OF HOW DEBT WAS VALIDATED
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Finacial Protection Act ( CFPB ), 12 U.S.A 5586 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the XXXX recent administrative proceedings ( file No. 2025-CFPB-0002 ) against them for similar violations. I request that the XXXX take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureas are reporting hard inquiries that DO NOT belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Thank you for updating and correcting some of the information on my credit report. However, there are still some things that need to be fixed. The 3 credit reporting agencies are required to verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I hope these disputes are resolved 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

IC systems Inc. purchase a debt from XXXX XXXX XXXX XXXX and claims I owe a debt for {$580.00} with no documented proof and a complete incorrect address with no Social Security information and theyre trying to time my first and last name to a debt thats not mine I have spoken XXXX in the past and they all agreed to remove the debt they have then since then again tried to collect a debt that is not legally owed this is now becoming harassment and I want to stop now Im offering them 30 days to remove this from my the account and I want documented proof that this was removed in writing if not I will file a claim against you all
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX
Product: Credit reporting

I have contacted Transunion numerous of times for the past month about unauthorized inquiries on my credit report. The first call I made the representative told me to contact those particular companies and dispute w/ them and she, the representative, will place a fraud alert on my profile. I have contacted those companies by phone and letters, sent certified mail, several of time. A couple of those companies told me to contact the credit bureau that its reporting on, which is TransUnion, and disputed with them. I have gone back and forth with trans union and the companies to resolve the issue and neither one is taking my dispute and request for removal of inquires that was n't authorized after several disputes, phone calls, and certified letters.
Product: Mortgage

My loan was recently sold to Mr. Cooper from XXXX XXXX XXXX, I called and setup the payment on the account manually before the payment was due on Mr. Cooper website and waited for the payment to be taken out. Upon noticing the payment did not process and I called Mr. Cooper mortgage to find out the reason, they slapped me with {$30.00} charge for late payment due to the account not setup correctly. This seems like going ageist the regulation to charge fee for the first 2 months of the payment being setup regardless of who's fault. This seems to go against the Federal law in place to protect people from this nonsense when a new lender buys a loan for two months to sort these issues out. 
Really disappointment with Mr. Cooper Mortgage they started off on wrong foot, this is not about the {$30.00} fee but principle of serving people.
Product: Debt collection

The credit card balance was dispute from my credit report, for more than 7years. Now collectors want to dispute this account. The among is incorrect, the balance was XXXX now their saying is over XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wrong information on credit report related to address 's and names
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on COLLECTION ACCOUNTS. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Those accounts are still reporting on my Credit Report. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX Balance {$1400.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance {$57.00}
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I looking at my credit report, and I noticed errors with my personal information, misspelling of my actual name, wrong, unknown old previous addresses, and some non-accounts hard inquiries that I'm not 100 % sure how it's here, and how you can mix such files. This is a big issue for me - Can you please fix it for me? As far as I know by reading the FTC, and FCRA laws and regulations, any others are inaccurate and/or outdated information must be deleted immediately from my credit report as they are not reportable as per the FCRA, since they are inaccurate. 

Listed below are the Personal Information that are being challenged : Incorrect DOB : - XXXX Employer - XXXXXXXX XXXX Employer - XXXX  XXXX Incorrect Current Address : - XXXX XXXX XXXX CT, XXXX, FL XXXX Employer - XXXX XXXX Incorrect Name : - XXXX XXXX Incorrect Previous Address : - XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Incorrect Previous Address : - XXXX XXXX XXXX CT, XXXX, FL XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX, VA XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX To Whom This May Concern, I have recently pulled my credit report and noticed that there is a collection listing from your agency. Thave never been notified of this collection action or that I owed the debt. This letter is to inform you that I have the right to request a validation of this debt and your ability to collect this money from me. I ask that you prove that I am indeed the party who is contractually bound to pay off this debt or stop collection activity and remove it all together. Please attach copies of the following documents : * Agreement that you have authority to collect on this alleged debt.

* Agreement that bears signature of the alleged debtor with promises to pay the original creditor.

* Complete payment history on this account, to prove that the amount you wish to collect is correct. I hope your legal staff will agree that noncompliance with this request will result in serious legal trouble for your company. 
Sincerely XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Auto one acceptance is showing a closed account on my credit report.
Product: Debt collection

This debt collector engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnish this account that we didnt agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it, more so they didnt follow the proper 5 step validation procedure which makes this unfair practices. According to FDCPA Im entitled to {$1000.00} per violation and clearly they violated my rights.
Product: Vehicle loan or lease

I bought a XXXX XXXX XXXX from the XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. The final sale price of the car was inordinately different to the agreed on price ( posted sale price ) of the car. When I looked over my final agreement, to offset the effects of the cost, I decided to return all extras and addons I purchased with the car. These are : 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. The finance XXXX ( XXXX XXXX ) asked me to send an email returning all these products and I did so on XX/XX/XXXX. He told me it would be reflected in my loan payments in about XXXX to XXXX weeks. I refinanced the car loan a few weeks later and I kept contacting Capital One but they claimed they never received any returns notifications from the dealership. I have been calling the dealership intermittently and all they do is give me the run around. They ask me to call Capital One and then asked me to the XXXX XXXX department. All of these calls brought no results. They promise to call me back on a number of occasions but that never happened.
Product: Credit reporting or other personal consumer reports

FRCA violations not mine not my credit cards XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid in settlement. {$2600.00} written off. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$16000.00} Status Account charged off. $ XXXX XXXX XXXX Account number XXXX Account type Unsecured Responsibility Individual never late XXXX  XXXX Account number XXXX Account type Unsecured Responsibility Individual not my address XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Resident type Single family not my name XXXX XXXX XXXX XXXX XXXX not XXXX inquiries XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

In felonious organized criminal activity perpetrated by multiple Best Egg employees, I was gaslit as employees humiliated and berated me by fabricating false allegations against me on account of the color of my skin and for complaining to federal regulators about them- which put me in imminent fear of my life. I was told that I was lying ( as if I was subhuman nonwhite evil scum ). The agents fabricated a disgusting and bald faced lie that I said the employees were white and they felt discriminated against. This sounded clearly like organized felonious criminal retaliation and fraud. Best Egg is not a financial services company- it is an organized criminal racket that needs to be shut down immediately. I was then told by another agent that I was lying that the agent did not ask for a supervisor to call me back - I have no way to know what the agent who fabricated and falsified disinformation about me that I made a comment that the agents were white did or did not do. I finally heard I would be able to use my credit card on XX/XX/XXXX.
Product: Checking or savings account

Bank of America withdrew money from my account while a fraud claim is in progress
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act.

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

want to get credit report from XXXX XXXX, some credit agency that just popped up that ive never heard from before, the other 3 I obtained my reports online, this one wants me to fax a copy of my social security card, doesnt seem safe at all, they are making it not easy to obtain my report for which i was denied credit,
Product: Credit reporting or other personal consumer reports

I would like for all the incorrect information to be removed from my credit report because I did not authorize nor did I open those accounts.XXXX XXXX  needs to be removed in the balance of XXXX opened XX/XX/XXXX, XXXX XXXX XXXX  needs to be removed in the balance of XXXX dollars opened XX/XX/XXXXXXXX XXXX XXXX  needs to be removed in the balance of XXXX dollars opened XX/XX/XXXX, XXXX XXXX XXXX with a balance of XXXX dollars needs to be removed from my credit that was opened on XX/XX/XXXX that's not my car, and XXXX XXXX needs to be removed. I would like all the inquiries removed because I did not open those accounts XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XXXX XXXX XX/XX/XXXX, and XXXX XXXX XXXX XX/XX/XXXX don't belong to me. I would like my name spelled correctly along with the correct address.
Product: Debt collection

XXXX keep continuing to send a collection debt to collection agencies who in turn keep reporting on my credit report that I owe XXXX {$250.00}, for an account that was opened " apparently in my name '' ( NONE of the collection agencies EVER provided PROOF that I EVER signed any contract or agreement with XXXX ) in the period between XX/XX/XXXX and XX/XX/XXXX which I was overseas for that period completely. I fought the collection with the credit agencies many times and it has been removed every time I fight it. But XXXX keep hiring collection agencies to collect the debt.
Product: Debt collection

I see multiple items from this company being reported to my account that do not belong to me.