23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My complaint relates to my loan servicer, Seterus , Inc . Since Seterus began servicing my loan, I have been extremely dissatisfied with their lack of customer service and inaccurate/incomplete reporting on the payment of my mortgage status to the credit reporting agencies. At this time, I am attempting to secure a refinance of my loan with another lender. However, the process has now dragged on for 6 months and the primary road block in the process has been the incomplete and inaccurate reporting on the payment status of my mortgage by the servicer, Seterus. Although it is now late in the month of XX/XX/XXXX, Seterus has not reported any information on the payment status of my loan since XX/XX/XXXX which happens to coincide with the first notice they were given that I intended to refinance the loan elsewhere by requesting a payoff quote. Additionally, the interest rate on my loan is set to increase 1 % on XX/XX/XXXX and Seterus has financial gain at stake by causing delays in information reporting on my loan to the credit reporting agencies. 

The lender that I am attempting to secure a refinanced loan with has received written transaction records of my mortgage payments for the past 12 months noting that they have been made on time ( within grace period ) and they are now pursuing a rapid rescore related to my payment history with the credit reporting agencies. However, this situation is ridiculous, unfair, and causing me to have to pay into a mortgage that is not aligned with my best financial interests as a consumer. 

In addition to what has been stated above, Seterus, Inc. negatively impacted my efforts to refinance by sending an inaccurate " Verification of Mortgage '' document on XX/XX/XXXX showing that my loan has been late 5 times in the past 12 months but they do not specify which months they are recording as late and they note my loan as " current ''! Furthermore, Seterus has not reported any late payments to the credit reporting agencies related to my loan since they began servicing it because it would be false reporting since I have been making my payments within the grace period of the due date for my loan while they have been servicing it.
Product: Credit reporting or other personal consumer reports

Well I had taken a look at my consumer reports from all 3 credit bureaus and the information does not match 2 reports contained addresses I've never lived at and another report contains misspelling of my name that I have never gone by for instants I've never lived at XXXX XXXX XXXX XXXXXXXX Ca, nor have I ever lived at XXXX XXXX XXXX XXXX, Ca XXXX there 2 more addresses that I don't recognize, and I'm pretty sure that is against the law to be reporting inaccurate data on my report, I have only ever lived in one address my whole life Im very upset with my reports and strongly encourage the credit bureaus to confirm & Correct any misspelling of my name & Correct or Remove these addresses from my credit reports XXXX XXXX XXXX XXXX Ca XXXX XXXX XXXX XXXX XXXX Ca XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was completely taken aback when I saw incorrect accounts pop up on my credit report today, and I have no clue why this is happening. I check my credit often, and this time, I found unexpected discrepancies. I tried refreshing the page, thinking it might just be a browser issue, but unfortunately, the errors remained. I urgently need the documents Ive provided to be thoroughly checked, as this situation is really worrying me, and I dont want to deal with this ever again.
Product: Credit card or prepaid card

Hello, My wife and I purchased merchandise from XXXX XXXX XXXX XXXX in XX/XX/XXXX. We were offered a 2 year no interest promotional offer using Synchrony Bank. The total purchase was {$2600.00}. We were paying the balance monthly with the intention of paying it off within the no-interest time frame of 2 years. We never carry interest on any credit card as the rates are astronimical. We called customer service to understand our balances since we have not received communication. On XX/XX/XXXX, our balance was {$1600.00}. On XX/XX/XXXX, our balance was {$3400.00}. We are in complete shock as to how the balance ballooned to this amount as we are unfamiliar with carrying credit balances and paying interest. 

Synchrony has not communicated that the promotional offer ended. We certainly did not remember that from years ago. We called Synchrony customer service to try and resolve this issue, with representatives hanging up the call 2 times in a row. The 3rd time, we were transferred to an Account Manager XXXX XXXX # XXXX ) who informed us that interest will not be returned. We were forced to pay {$3300.00} on Saturday, XX/XX/XXXX to avoid further fees. 

These credit card practices have been very deceiving. We were not aware that the promotional offer ended, and did not receive communication from Synchrony otherwise. Had we been informed that the promotional offer ended, we would have immediately paid off any outstanding balance from the original transaction. We are requesting a refund of all interest paid on this original balance of {$2600.00}. 

Thank you for attention to this matter,
Product: Debt collection

On XX/XX/XXXX : XXXX XXXX, I contacted XXXX  to get fiber optic internet service because my boyfriend was having trouble getting it through XXXX XXXX XXXX. The sales person said XXXX could supply that service, so I gave them information to open an account. 

XXXX XXXX. - I spoke with the property manager at my apartment complex at about XXXX XXXX. and mentioned that I had gotten fiber optic service with XXXX. He stated that he knew for a fact that XXXX  could not provide fiber optic internet service because he had tried to obtain it for the front office but could not. He stated that XXXX did not have the underground cables and hardware to supply fiber optic service to anyone in the building -- only XXXX XXXX XXXX had spent the money to install the correct underground equipment. 

XXXX, I called XXXX back to cancel the account. I explained what I had learned to the representative on the phone. After about 20 minutes, the person on the phone stated that the account was closed. He said there was a chance that I might still get equipment in the mail and if I did, to just take it to a XXXX  store to return it. 

XX/XX/XXXX I received internet service equipment from XXXX via XXXX. I did not open it or install any equipment XX/XX/XXXX I received a bill for {$160.00}. I assumed it was not correct because I had not yet returned the equipment. 

XX/XX/XXXX XXXX XXXX - I returned the unopened equipment to the XXXX  store on XXXX XXXX, in XXXX. I watched employees open the box and take out shrink-wrapped equipment. 

XXXX XXXX I received another bill, which showed a previous balance of {$160.00} but did not explain those charges or say it was a final bill. 

XX/XX/XXXX I received a letter from AmSher Collection Services , Inc., stating that it had been hired to collect the {$160.00}.
Product: Mortgage

Amerihome serviced my mortgage but we refinanced with a new company. Our mortgage with Amerihome was paid in full and closed on XX/XX/2021. They claim, with no documentation, that they mailed our escrow refund on XX/XX/XXXX. We have yet to receive it some almost three weeks later. I called to ask that the check be stopped and reissued and mailed via fed ex. Was told by two different agents that they had to wait 14 business days before they can stop. 14 business days from the XXXX  would be this Thursday the XXXX due to XXXX XXXX holiday. I called today to request the check be XXXX and was told it is now 30 business days from the XXXX before they can stop, reissue and mail. They also will not use XXXX XXXX or wire the money but will use Usps, the alleged organization they used to send the first one. So now it won't be until. XX/XX/XXXX until they address this issue. This is not acceptable. Their agents are rude, give different answers to the same question and are holding my money hostage. There are multiple XXXX  complaints with the same issue. If I was ever late making my mortgage payment to them ( I never was ) rest assured they would have hit me with late fees like crazy. Yet when it's my money they are allowed to hold it and make interest from it. I want my money now!
Product: Payday loan, title loan, or personal loan

Spoke to them on the phone. Expkained that I didnt appky for the loan. Was threatened with jail time and that my bank account would be seized
Product: Credit reporting or other personal consumer reports

It has come to my attention that my personal information was exposed in a national data breach, compromising my sensitive data. Upon reviewing my credit reports, I identified accounts that I do not recognize or recall opening. I submitted a request to the Consumer Reporting Agencies ( CRAs ) for validation of these accounts ; however, the required documentation has not been provided as mandated under the Fair Credit Reporting Act ( FCRA ) Section XXXX ( XXXX U.S.C. XXXX ). This failure to validate the information and the presence of unverified accounts on my credit report raises significant concerns about the accuracy and security of the data being reported. To address this matter, I have filed an FTC complaint regarding the breach and the unrecognized accounts and attached supporting evidence, including my government-issued ID, a copy of the FTC complaint XXXX the XXXX XXXX Breach Notification report, and a prior Validation of Debt letter.
Product: Vehicle loan or lease

We leased our XXXX XXXX XXXX on XX/XX/XXXX. We included a maintenance agreement in the terms of our lease for {$750.00}. Shortly thereafter, we moved across town, making it very inconvenient to return to XXXX XXXXXXXX in XXXX to obtain the service provided for in the maintenance agreement. Accordingly, I cancelled the maintenance agreement on XX/XX/XXXX. 

XXXX XXXXXXXX financing personnel explained to me that the remaining balance on the maintenance agreement would be applied to unpaid lease payments which would result in paying off the lease agreement earlier than originally scheduled. 

I have received no indication from either XXXX XXXXXXXX or XXXX XXXX XXXX regarding the new date by which the lease agreement would be paid off, so I am requesting that information now. 

Today, I am making my fourth request for this information. I have explained to Hyundai XXXX XXXX that I will be withholding further payments until I have received this information.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXXXXXX XXXXXXXX XXXX XXXX, which falls under trafficking according to XXXXXXXX Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX
Product: Credit reporting or other personal consumer reports

CAPITAL ONE Credit usage 34 % Balance {$1300.00} Balance updated XX/XX/2023 Credit limit {$4000.00} today is XX/XX/XXXX Capital One Credit card told me they reported to XXXX to get the balance correctly now to {$370.00}. It is still showing {$1300.00}. I spoke to XXXX XXXX and he says he will reach out to them. I believe they are deliberatly not doing it to prove a point. 
the Point is that we live in 2023 and this information should be accurate and not wait 30-60 days. I will not apply for credit until its updated.
Product: Bank account or service

I XXXX XXXX XXXX XXXX have a complaint with Bank of America, I had an account with Bank of America in XXXX TX. My account was completely cleaned out, all of my money had been withdrawn without my consent. I never signed any authorization for anyone to remove funds from my account. I feel that this was an inside job, from someone working at the branch were my account was located. Please contact me to gather more details regarding this matter.
Product: Mortgage

On XX/XX/28 we received a notice that our mortgage was increasing by over {$1500.00}. This didn't make any sense to me as the insurance, taxes and XXXX dues have only gone up a small amount. After much back and forth with BSI Financial via phone, they ultimately admitted that they failed to account for the XXXX dues last year resulting in a huge shortage in our escrow account. 

We thought it was strange that they lowered our payment last year by $ XXXX but didn't think much of it. 

The XXXX dues have been in existence since the origination of our loan, so the fact that they would make this error makes no sense. But, the fact that we should be responsible for this now because of their mistake is unconscionable. We can not afford to pay an additional $ XXXX per month and feel that BSI should be responsible for paying this. 

We have had nothing with problems with them from the very beginning.
Product: Bank account or service

I opened a new bank account with Citizens Bank on XXXX. I went to a branch on Saturday XXXX and deposited my check with the teller XXXX. XXXX told me I would have access to the funds on Tuesday XXXX, but woke up this morning to the check being placed on an extended hold. After calling the customer service line I was told to go to the depositing bank and that is what I did. I waiting from XXXX until XXXX for XXXX the branch manger. She told me it is not the responsiblity of the teller to advise me of the 5 business day hold and also that he is new. The responsiblity is the banker who opened my account.
Product: Credit reporting or other personal consumer reports

I am writing in regards to a collection tradeline/accounts that are reporting on my credit report. They are as follows, including 2 inquiries : 1 ) XXXX, XXXX, & XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX 15 US CODE 1681B ( A ) ( C ) ( A ) Both of these are violations of my FCRA rights and XXXX, XXXXXXXX XXXX XXXXXXXX XXXX have stated they will DELETE the tradeline as well. I never authorized any of these inquiries or tradeline on my credit report. 

Kindly DELETE these as soon as possible. 

Thank you
Product: Credit reporting 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. Account name : XX/XX/XXXX Account number : XXXX Account name :XX/XX/XXXXXXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XX/XX/XXXX XX/XX/XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XX/XX/XXXX Account number : XXXX Account name : XX/XX/XXXXXXXX Account number : XXXX Account name :XX/XX/XXXX XX/XX/XXXXAccount number : XXXX Account name : XX/XX/XXXXXX/XX/XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX, has 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 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: Vehicle loan or lease

I believe. I have been frauded by Santander Consumer USA on my credit report they have the account XXXX closed and then they have it paid off I have disputed this company on several occasions because the information on my credit report is incorrect also the dates are inaccurate. On one report they have date opened on XXXX and on another report they have date opened on XXXX XXXX and on one report they have this account as a collection account and on another report, they have the status closed for {$6200.00} as a written off charge. Please remove this off of my credit report because this company is using my information for their financial gains from my credit report. 
Thank You Much.
Product: Debt collection

This complaint is related to existing complaint # XXXX, and its a revision to complaint # XXXX. Complete credit solutions outsourced a debt collection to XXXX XXXX XXXX XXXX on their behalf, I attached the original collection letter that was dated XX/XX/XXXX. 

I have listed the 3 problems below!

1. As you can see in the letter it has complete credit solutions listed as the current creditor. Complete credit solutions has never lended me credit, they are a debt collector not a credit lender.

2. I have attached the debt verification letter that I sent back to XXXX XXXX XXXX XXXX and Complete credit solutions on XX/XX/XXXX. NO VERIFICATION WAS EVER COMPLETED OR SENT by either company which is documented in the original complaint # XXXX. THE FAIR DEBT COLLECTION PRACTICES ACT 809 ( b ) clearly states after ignoring a written request to verify the debt which they have 30 days, they can no longer continue to try and collect on that debt.

3. THE FAIR DEBT COLLECTION PRACTICES ACT 809 ( b ) also states after receiving a written dispute the collector must stop collecting on the debt until verification is received. Complete credit solutions also violated this act by reporting a negative debt on my credit reports on XX/XX/XXXX. 

I spoke with a woman this morning XX/XX/XXXX from complete credit solutions via phone call. She confirmed that they were using XXXX XXXX XXXX XXXX to collect this alleged debt for them, this means the same rules and timeline that apply to XXXX XXXX XXXX also apply to complete credit solutions. XXXX XXXX XXXX XXXX has still yet to respond to CFPB complaint XXXX regarding this matter, which they are legally obligated to. Complete credit solutions and their hired partner XXXX XXXX XXXX XXXX have broken multiple rules and are continuing to act as if they are immune to the law.
Product: Checking or savings account

I am a victim of identity theft, my passwords were compromised and my two-step verification was changed. I sent in an appeals form to Navy federal credit union about this situation. I would hope navy federal credit union can understand my situation with provided evidence and continue the banking relationship.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Experian, XXXX XXXX XXXX failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian, XXXX, and XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as their inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no XXXX  party involved. Please review the uploaded letters..
Product: Money transfer, virtual currency, or money service

I am a victim of impersonation fraud through XXXX. On XX/XX/XXXX I received what I believed was an emergency text from my son requesting {$1300.00} for an urgent bill payment. The scammer exploited XXXX 's instant transfer feature and my lack of awareness about its risks, as neither XXXX nor City National Bank had adequately disclosed that : XXXX. XXXX transfers are instant and irreversible XXXX. XXXX provides no fraud protection for authorized transfers, unlike credit cards XXXX. The platform lacks basic security features to help prevent impersonation scams Under the CFPB 's recent FAQ guidance on peer-to-peer payments and Regulation E ( published XX/XX/XXXX ), banks must : - Investigate and reimburse consumers for unauthorized transfers - Properly determine whether transfers were authorized- Consider whether the consumer was fraudulently induced when determining authorization The scammer fraudulently induced me to make this transfer by impersonating my son. I was not adequately warned about the risks of XXXX transfers or protected against this type of fraud. 

I reported this fraud immediately to XXXX and City National Bank but received no assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I started a mortgage process and got a copy of my XXXX report, then I was able to see that an account that is not mine was added to my credit report, from them I have disputed this account within the 3 bureau credit offices, also have reported to the Bank which the fraud account has been set but it is still under investigation from XX/XX/2021 but haven't received final resolution. 
I have never used this bank for any loan and they say that the information is accurate, similar response I got from 2 of the Credit Companies which is false and it's impacting my ratio debt and credit score, increasing my level of stress handling this situation.