23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I am going back to my case initially applied with CFPB on XXXX/XXXX/2016. My complaint was that Seterus Inc. has been messing with my account for two years now, and they do not own up nor feel they are responsible for these mistakes where I can loose my home because of their negligence. Seterus responded to this complaint they made no mistake in paying for my County Taxes from my escrow, when in reality they did. Last year was my home Insurance and this year was my County taxes. They also confirmed in their response to you that I will not be responsible for the penalty fees incurred for paying late ( 2 months later after I called to find out why they have not made said payment. ) and as you can see by the attached letter I received yesterday XXXX XXXX, my escrow has increased and I am responsible. 

Neither my taxes nor my home insurance has increased in 2016, on the contrary my taxes were decreased in 2016, how does Seterus determine to increase my escrow, and that my escrow has a deficient.?
Product: Mortgage

I was granted HAMP XXXX mortgage modification by XXXX XXXX in XXXX of 2014. I have made XXXX trial payments plus have continued with the payments. XXXX XXXX can not finalize the agreement because M & T Bank will not subordinate the home equity line they hold. M & T claims their interest is not covered because of the property value. They said they will do another valuation, however the period to resolve this issue with XXXX XXXX has expired and they have put my property back in active foreclosure status. M & T has thus jeopardied over XXXX months of negotiations to reach an agreement and will force a new application for relief to be made or worse. 
M & T Loan XXXX
Product: Payday loan, title loan, or personal loan

I recieved this loan in the mail, but I did not apply for this ( or any ) loans. 
The check is for {$1400.00} but the charges are {$890.00} and the APR is 69.99 %. 
These terms are clearly predatory. This is no better than a phishing scam! 
Also the check is issued by XXXX XXXX and they should be held responsible for participating in this garbage.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent requests to both XXXX and Equifax for the original instrument of indebtedness to prove I owe over {$10000.00} in student loan debt. It has been over 30 days and I have not received it. I have called Equifax to have the debt removed and they have refused and can not tell me what information they have been given to validate the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a {$7000.00} charge off on my credit and bill collectors keep contacting me about this XXXX XXXX XXXX. I just received an email from XXXX XXXX claiming they were going to repossess the car. This vehicle was totaled in XXXX, and as shown in the attached photos both insurance paid out and GAP was paid to the lender, but they are still coming after me for a car that doesn't exist for money they were paid years ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX OH XXXX DOB XXXX SS XXXX My name is incorrectly reported with misspellings and they are affecting my verification process. The correct spelling should be XXXX XXXX XXXX please delete any other variation of my name ( XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ) the following addresses are not mine and are fraudulent please delete : XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX OH, XXXXXXXX XXXX  XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX  XXXX OH, XXXX
Product: Mortgage

On XX/XX/2020 I signed a refinance contract with Loandepot. 
There were two checks issued. 
One for XXXX One for XXXX made out to XXXX Not cash able according to XXXX. 

Spoke with XXXX XXXX at Loandepot Return check and receive a replacement. 
At my expense. 
Ok fine. 
XX/XX/2020 still no check. 
XXXX XXXX is no help. 
Loandepot originators are accepting no fault. 
No movement on this and mortgage is due XX/XX/2020. I will pay on time as usual iaw previous payment history. 
I am a loyal customer. 
Seriously XXXX
Product: Credit reporting or other personal consumer reports

For the past XXXX months I've been trying to remove a Bankruptcy file from Experian, XXXX and XXXX and they have denied me with all my efforts. I started with the court that is attached to this file number, they responded by letter stating that they do not disclose these cases to credit bureaus. Simultaneously I requested a full report from XXXX XXXX and they too had a bankruptcy file on my records with them but after sending out a letter to them asking that it be removed if they could not show me where I consented to them reporting my information ; they proceeded to remove this account and also sent me an update that it had been removed. Their response ( letter from XXXX ) along with my court response was sent out to Experian, XXXX and XXXX on XXXX different occasions which they claim their resources to be accurate. Neither of these bureaus have let me know who their " sources '' are that they are receiving my personal information from and I feel as though I am entitled to know that information. This is a misuse of my personal information and has truly affected my lively hood. Looking forward to the CFPB assisting me on this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN THE LAST XXXX HOURS XX/XX/2020 A NEW COLLECTION HAS BEEN REPORTED ON MY CREDIT REPORT THAT DOES NOT BELONG TO ME. I HAVE NO KNOWLEDGE OF ACCOUNT AND IT SAYS ACCOUNT HAS ALREADY BEEN VERIFIED AND THAT IS FALSE IT HAS NEVER BEEN ON MY CREDIT REPORT. THIS IS HINDERING ME FROM HOME BUYING AND CAUSING EXTREME MENTAL DAMAGE TO ME. THE ACCOUNT IS XXXX XXXX XXXX XXXX XXXX {$3900.00}. THIS DEBT HAS NOT BEEN VALIDATED AND CAN NOT BE VALIDATED BECAUSE IT IS NOT MINES AND I NEED IT DELETED AS SOON AS POSSIBLE. IT IS VERY TIME CONSUMING DUE TO FUTURE OBLIGATIONS WITH HOME BUYING. I HAVE PROVIDED POLICE REPORTS STATING I WAS A VICTIM OF MY ID BEING STOLEN FOR PROOF. I WOULD LIKE DEBT TO BE REMOVED.
Product: Credit reporting, credit repair services, or other personal consumer reports

Each of 3 Credit Bureau 's received credit report updates on my student loans Theyve been paid off My credit score did NOT ho up like many others I continue to have a score thats classified as " poor '' and below 600 and Im not able to secure any credit despite the bureau 's sending me recommendations on Credit cards in last 60 days to Build my credit. 
The information is mismatched. Also, XXXX and Experian show me LATE on 14 student loans But my loans are PAID to XXXX balance And while on my credit they were in Deferrment This is making a challenge to get any credit I apply for I also work with a system called XXXX I unlike my colleagues keep having IT issues impact mywprk under my pprofile I addressed this but the credit bureau denied their being linked onto my credit profile. 
I had a FREEZE on my credit file and despite that they permitted XXXX to PULL my credit. 
I asked their accounting dept and they said they dpnt know how their compuer ne system let that inquiry happen but they also concerned about HIPPA policy. 
Every single time I request credit access into XXXX, My Login credentials Do Not work I always hace to stop and call in and redual ex after hang ups and finally talk tp a rep Today a rep had to HELP me get access to my acvount to manage a freeze and it took me 45 minutes on the phone to gain access This is Typical pattern for ME when I sttempt to do anything with my own XXXX reports At times it happens with the others Adfitionally they continue putting a OLD Emploer on my profile from another state This practuce has hone on 5 years for one business and 30 years for a NY Tax credit company I worked at as a part time Temp 1 yr after graduating high school!!!! 
Another is one I had a on job complaint n case with
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a capital one customer for many years and i have paid all my credit card bills on time ; throughout XXXX and XXXX, I have made a grand total of {$990.00} on payments to my credit card, but every time i have made a payment, capital one has marked it as past due and this XXXX, after i had made a {$400.00} payment to capital one, they marked my account as past due to the credit reporting agency, which drastically dropped my credit scores to XXXX, which also put my house purchase in jeopardy since i have to close by XX/XX/2020 and the mortgage company needed a deletion letter in order to process the application. i had filed a dispute with XXXX  and capital one had reversed the late fee. but however, capital one refused to provide me with the deletion letter i needed, even after escalating to a manager because it will take 30 days to investigate which will end on XX/XX/2020 and another 14 days to provide the letter, which will mean that i will not be able to move forward in my home buying process and losing out on the home i wanted.
Product: Debt collection

I had a XXXX XXXX XXXX XXXX  on XX/XX/XXXX. After returning to work in XXXX of XXXX I struggled to get back to normal, my job had moved me to another department where I endured harassment by the senior ranking associate, leading to me resigning as management did nothing about any reports I filed. I was without a job for over a year, during which time I worked with XXXXXXXX XXXX billing department to attempt to reduce the monthly payment I owed. In XXXX of XXXX, I reached out to a third-party company called Dollar For to assist me in advocating with XXXX billing to reduce the XXXX bill. Within the week of receiving my request, my billing statement with XXXX read a balance of XXXX dollars and I haven't heard or seen anything about it since, until I received a debt collectors notice that the company Harris & Harris Ltd. had sent on XX/XX/XXXX and I did not get in the mail until a week later. I made sure to file a dispute with Harris & Harris Ltd. as the letter I received had inferred that legal action would be taken if I didn't respond by XX/XX/XXXX. I also contacted my agent with Dollar For to ask their advice one more time as to what to do and they sent me the link to report it here.
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the XXXX credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
PXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I 've been disputing these charges XXXX. I contacted the original lender XXXX who was supposed to be working with XXXX XXXX with regards to the refund amount that was supposed to be sent back to the original lender. That was never completed by XXXX XXXX and the amount owed is inaccurate for only attending for a period of 8 months of a 2 year program. XXXX never sent a the original lender the refund required and the lender charged off the account due to XXXX never responding to the lender at the time so the lender sent the entire balance for collection. Please see attached documents.
Product: Consumer Loan

Not sure where to begin ... Please look at previous complaints against Wells Fargo and Debt Buyers : CFPB Case Numbers XXXX, XXXX, and XXXX. These complaints were submitted in XXXX of XXXX while in the middle of my court battle with the Debt Buyer. Wells Fargo really did a number scamming me out of my vehicle AND I was a service member. I just hope that in the limelight of the recent scandal and settlement that those that have been affected so much are truly compensated. Not to mention that during all of this I was completely unaware of the fact that when I financed the van through Wells Fargo in XXXX, that they put my interest rate @ 21 % which they should n't have went over 6 %. I was a service member at this time and should not have had to go through what they put me through, or my wife. I finally gave up in court and settled with the Debt Buyer. I feel that Wells Fargo should compensate me for all the money and distress I went through as a result of their negligence. I have XXXX of court paperwork. They need to be aware of how much pain can be caused because debt buyers and big banks decide they are going to use shady tactics against everyone.
Product: Student loan

Turn over debt collection agency. Called conserve web in my. I went XXXX in XXXX, nc. 
They had know about law suit, took fed income tax returns. Making payments of XXXX month.
Product: Credit card

I noticed on my credit report a credit card was opened using my name for khols Ive never been there and I dont opened credit cards through stores. It wasnt me. I tried to dispute it with multiple credit bureaus and havent gotten help.
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report and found several items on there to be inaccurate. Under XXXX XXXX XXXX XXXX ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. XXXX XXXX XXXX XXXX ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately : XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$160.00} XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$7100.00} XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$240.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance {$4500.00} XXXX XXXX XXXX Date XXXX XX/XX/XXXX Balance {$2700.00} XXXX XXXX XXXX Date Opened XX/XX/XXXX XXXX {$210.00} XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX XXXX {$800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my sixth 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 Balance : -, XXXX XXXX XXXXXXXX Balance : -, XXXX XXXX XXXXXXXX Balance : {$1300.00}, XXXX XXXX Balance : -, XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$280.00} XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX
Product: Checking or savings account

So I had a problem with my Chime account and disputed a few transactions that was made on XX/XX/XXXX in the totaling amount of {$4200.00} dollars. 4 separate transactions for a {$1000.00} a piece and a {$200.00} dollar one. Ive tried disputing the transactions and they were denied with no explanation or no investigation report and when I asked for one it was never sent out within the time frame they gave me so here we are months later they never sent the money back never sent me a investigation report that shows how my claim was denied
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to XXXX XXXX credit card multiple times about my credit being reported late. The latest date they reported it late was XX/XX/2022. They have also reported that my account was charged off which is not accurate at all. Total visa is stating that Experian is making the mistake but Experian is blaming total visa. This wrong information has dropped my credit score by XXXX points! I need assistance immediately to correct this information on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been in communications with Experian about inaccurate personal information on my credit report. Even after notifying them many times about this error they still continue to report this incorrect personal information on my file. Not only is it unfair, its also illegal. By law 15 U.S. Code 1681 ( b ) it clearly states that your reporting agency must follow these Reasonable procedures : require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance. 
This whole thing is unfair. This has been stopping me from being able to move forward in my life because of this inaccurate information being reported on my credit report. I have told Experian many times I do not consent to the inaccurate personal information listed below to be reported on my consumer report. This in clear violation of 15 U.S. Code 1681 & 15 U.S. Code 1681c2 Inaccurate Personal Information ; My only address is XXXX XXXX XXXX XXXX, XXXX Colorado XXXX You are required to do what I am asking and block the following personal information from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. 
Thank You XXXX XXXX
Product: Mortgage

i submitted a payment on XXXX XXXX 2015 for my sons mortgage payment as i do every month and it popped up that i had to pay speed pay cause 10 or more days thats what you have to do his payment is due on the XXXX so i did. then on the XXXX i had a payment go threw my bank and they told me it was denied which it should n't have been so i went on line to my bank and so that my sons mortgage place took XXXX payments out XXXX on the XXXX and XXXX on the XXXX so i called the number for company and told the gentleman by the name of agent # XXXX his name XXXX he told me he could see that i was charged and would have them reinburse me and took down the information and said i would also get back the XXXX dollars i was charged for me to hold on till he put the information in and said it would take XXXX to 6 days i explained to him it had to be as soon as possible or my bills would bounce they can take in XXXX they should put back in XXXX he said he had it ready for approval and would put rush on it. i gave them till the XXXX and called and got a XXXX and she said she would have someone contact me. i called on the XXXX and got XXXX agent # XXXX and she would not let me speak with a manager and hung up on me. I called again on the after she hung up on me and got her again and she finally after a few words connected me to a supervisor named XXXX agentXXXX i spoke with her and explained the sittuation and she looked up and said she saw XXXX had put payment in to be reversed and then asked me to send her my bank statement showing they took the XXXX payments and she would get back to me on monday the XXXX and took my number and i did not hear from her by XXXX so i called and got XXXX agent XXXX and had a fight with her over speaking to supervisor XXXX and refused to let me speak to her and said someone would get back with me in 24 to 48 hours so i went to my bank to see if they could help get my money back cause they are giving me a run around and looks like they are not going to return me my money and the heck with my bills we are not talking a few dollars but XXXX this is the worse experience i have ever had in my XXXX years of life dealing with any company so i can only hope my bank can help me out and someone should do something with this company to be able to take what they want from a persons bank and then not want to give it back. the name of the company is ocwen loan service mtg and the number I have is XXXX and punch number XXXX or god knows where you will wind up
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, Equifax put a late payment on my credit report for an account that I closed in XXXX 2017. XXXX XXXX had went out of business and I called there customer service line and they did n't have a clue how I was suppose to submit my payment for a credit builder account. The account showed closed in XX/XX/XXXX on my credit report and now in XX/XX/XXXX It 's back open with a late payment.
Product: Credit reporting

Equifax, and only Equifax, not XXXX and not XXXX filed an collection item on my credit report that ( i ) belonged to someone with the same first name but a different last name, XXXX ii XXXX belonged to someone on a state in which I have never lived and XXXX iii ) did not have a correlating social security number. In addition, they added that person 's name and address to my credit. I received notice of this from a credit monitoring service I use. This item caused my credit score to fall from XXXX to XXXX with Equifax and from XXXX to XXXX with FICO. 

I contacted the creditor, confirmed that they did not provide a social security number to the credit reporting agency and notified them of the error. I also filed a dispute with Equifax and a notice with XXXX and XXXX of the false information Equifax was reporting and the issue. Equifax investigated and removed the false name, address and and item from my credit report. HOWEVER, they failed to restore my credit score to what it had been prior to their error. 

I sent a letter requesting that they restore my credit score. They did not. 

I then called them in an effort to address the issue. This was an extremely frustrating experience in which the agent just stated the same thing over and over and failed to address my issues or concerns. They made me pay and wait two weeks to find out via mail what they restored my score to. I just received the information via mail, which confirmed that they had NOT restored my credit score to the proper number. My credit score should be XXXX, not XXXX as stated on the report I was forced to pay for. 

I think that Equifax operates in a manner that is unethical and, essentially, a racket against consumers in this respect by ( i ) allowing unsupported, unsubstantiated and clearly erroneous negative information to be filed on the incorrect person 's credit report and XXXX ii ) requiring the victim of this to then either pay them for their credit score or pay to join their program in order for the victim to confirm that they have been fully restored and made whole. I would like my credit score restored to what it was prior to Equifax 's erroneous actions.