23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

So in XXXX when Covid happened I knew my pay/commissions would suffer and I reached out to Homebridge Financial who told me if I made a payment in XXXX for XXXX they would put my on forebearance for 3 months. At end of this from XXXX through XXXX I kept getting run around about coming off and pushing payments off until end of loan. Right up front I told them I would not be able to pay lump sum and they continued to tell me I would not have to all the way through XXXX and I have a letter from them admitting I was told that in error and they would use as training. I was told these payments would be pushed to the end of the loan and I could make first payment in XXXX and when I called to make a payment they said I need lump sum or nothing. I contacted the MA Atty Generals office ( who suggested now I contact you too ) who told me Cares Act and Chapter 65 laws do not allow mortgage company to do this. I sent paperwork to them multiple times to get loan modification and continued to get letters saying they don't have the info so I resent 3 times. They have not returned emails from MA Atty Generals office either. I followed what I was told to do by not only Homebridge but also MA Atty General 's office from day one. I also received a message from them they received my info and would look it over and then a second letter saying they needed more time. The admitted errors on their part have put me in this situation and honestly I find it to be more fraudulent then errors made. I am reaching out again at the advice of MA Atty General 's office
Product: Debt collection

On  XXXX / XXXX /   17 I  received a credit report monitoring update that a collection was place for {$240.00} through Allied Collections with no contact information for this account, no previous attempts to contact me through mail or phone. I call the company at  XXXX . They are located at  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , NV  XXXX . I spoke to  XXXX  at   XXXX   XXXX   on Monday  XXXX / XXXX /   17.  He informed me the debt was for {$240.00} with   XXXX   XXXX   XXXX   I then informed him I was never contacted by his company, he said a letter was sent out earlier this year, to an address I do not live at In a town I do not live in. I also informed him this company is not even licensed to practice or lend in the state of Michigan. I have been dealing with illegal debt collection from this company before and the CFPB knows this and has deleted this before. I was given an email address of  XXXX  XXXX  XXXX  to dispute the claim. I sent an email immediately demanding that it be removed from my credit report in the next 24 hours. I then came here to file my complain as this company has illegal debt collection practices.     1. Trying to collect a debt with no proof of debt, from a company not even licensed in the state of Michigan to give out loans.
2. Not notifying person ( myself ) that a debt was trying to be collected, allowing me to dispute said debt.
3. Reporting negative on my credit report in behalf of an illegally running company.
4.   Not checking on the company they are doing services with to make sure the debt collection is even legal.
Product: Debt collection

According to CFPB response of CKS PRIME INVESTMENT LLC, # XXXX false information was provided in response to the validation letter sent XX/XX/22. I have never received validation Of this alleged collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, must remove ( never had this acct. ) XXXX XXXX XXXX  XXXX. Inaccurate, must remove ( never had this acct. ) XXXX XXXX XXXX XXXX, must remove ( never had this acct. ) XXXX XXXX XXXX XXXX, must remove ( never had this acct. ) XXXX ( XXXX ) XXXX XXXX. Inaccurate, must remove ( never had this acct. ) XXXX XXXX, must remove ( never had this acct. XXXX XXXX XXXX, must remove both acct. ( never had this acct.
Product: Student loan

For years I made payments on my student loans through XXXX. Then one day I got a phone call from a XXXX XXXX, a customer service representative for XXXX XXXX. He started to give me a sales pitch on a public service loan forgiveness program for people who work in the public sector. He explained that I would have to reapply every year and there would be a {$100.00} fee to do that and then there would also be a monthly {$19.00} fee involved as well. I found this a little strange and immediately felt uneasy. He also said the requirements of the program were to make 120 timely payments and the remainder of my loan balance would be discharged. This interested me as my loan total is approximately {$75000.00}. So, I decided to go forward with getting signed up for this new program and having my loans transferred from XXXX to XXXX XXXX. I called my bank today, XXXX XXXXXXXX XXXX, to get the date of when I first started making payments on my loans on this new program. The representative gave me a date of XX/XX/XXXX and an amount of {$130.00}. On XX/XX/XXXX that payment was increased to {$240.00}. So, in essence, I have been making monthly, timely payments on this new PSLF program since XX/XX/XXXX, but it feels like my money is going nowhere and my balance has hardly gone down. Something just doesn't feel right. When I recently recertified, I did not provide supporting documentation with my application ( proof of income ), so I got an email saying my payment was going to go up to {$910.00}. I was outraged by this and sent them a copy of my paystub. They responded that they received my supporting documentation, but I STILL keep getting responses saying that balance of {$910.00} is due, but I have continued to make my regularly scheduled payment of {$240.00}. Can someone help me or tell me what is going on?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX . 
XXXX NC, XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the fair credit reporting act converging account XXXX, has violated my rights 15 U.S.C 1681 section 602A, states I have right to privacy.

15 U.S.C repor1681 section 604A section2 : It also states a consumer reporting agency can not furnish an account without without my written instructions.
Product: Debt collection

Sent me a letter threatening me with legal action on a debt i dont owe
Product: Credit card or prepaid card

I had a credit card from Capital One by way of XXXX XXXX. 
Last month I received their bill the day it was due. I called the company expressing my concern why they mailed it so late. The short story is they said it doesn't matter. They gave me a XXXX time credit for the late fee, but would not remove the interest charge. 
I mailed that FULL payment that day. 
The other day I received a new bill that I owed the interest ( that I already paid the previous month ) and it was due. I called the company again to see why, and they told me I had to pay that charge again to clear my account. I told them to close the account and I was switched to a supervisor and was told I still owed them that interest charge even tho the account had been paid in full. I informed her that was against the " Federal Credit Protection Act '' and that that was illegal. 
She finally said she'd clear that from my account. 
My complaint is that they illegally tried charging me twice for interest when the bill was previously paid. How many other people are being subject to this outlandish business practice, and the amount of monies they are scamming unaware customers?
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and found the following items to be errors. You know, I'm tired of sending letter after letter to your company. I've wasted a lot of time trying to get this matter resolved, yet you still will not conduct a proper investigation into my account. It seems to me that your company ignores the laws put in place to protect consumers like myself.
Product: Credit reporting or other personal consumer reports

On several occasions, I have written letters toXX/XX/XXXXasking them to explain an alleged debt that is reporting on my credit report. They have failed to respond to a single letter. 


XXXX XXXX Acct # XXXX Alleged Debt Amount : {$1000.00}
Product: Credit reporting or other personal consumer reports

I submitted a letter to the Credit Bureaus to delete these suspicious accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 

XXXX XXXX  Bankruptcy XXXXXXXX XXXX XXXX  Bankruptcy XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting this complaint against XXXX Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous XXXX  and XXXX XXXX, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Product: Credit reporting or other personal consumer reports

MY EX SPOUSE OPENED AN UNAUTHORIZED XXXX XXXX ACCOUNT USING ALL OF MY SENSITIVE INFORMATION AND I'VE BEEN DISPUTING FOR YEARS TO GET THIS XXXX off MY CREDIT REPORT. I HAVE ALL MY AFFADAVIT OF IDENTITY THEFT TO PROVE I DID NOT AUTHORIZE THE ACCOUNT OPENING. PLEASE DELETE THIS ACCOUNT
Product: Credit reporting or other personal consumer reports

I am writing to formally address the ongoing noncompliance of your agency in relation to my identity theft report, which I previously submitted in accordance with the Fair Credit Reporting Act ( FCRA ). Despite having sent several letters, your agency has repeatedly rejected my identity theft report on the grounds that it was not filed by a law enforcement agency. This decision is not in compliance with the FCRA and fails to recognize the guidance provided by identitytheft.gov as mandated by the Consumer Financial Protection Bureau ( CFPB ). 

As you are aware, the FCRA at Section 605B and the guidance provided by the CFPB under XXXX clearly outline the process for filing an identity theft report. The CFPB specifically states that victims of identity theft can file a report directly through XXXX, which then becomes a valid identity theft report under the FCRA. Nowhere does the FCRA require this report to be submitted by law enforcement for it to be valid. 

Furthermore, under FCRA Section 617, your agency is legally required to investigate and resolve any identity theft dispute in a timely manner, and you are prohibited from deciding unilaterally what is valid or invalid when it comes to an identity theft report that has been properly filed. Your refusal to acknowledge this report based on your own standardsrather than what is set forth in federal lawis a clear violation of the FCRA. 

Legal Precedent : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) : This case underscores the importance of proper handling of disputes related to credit reporting and emphasizes that credit reporting agencies can not disregard information simply based on their own internal policies when federal law mandates a specific process. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) : This case reinforced that credit reporting agencies must follow FCRA regulations, including investigating claims of identity theft in accordance with the law, and can not arbitrarily determine what constitutes an acceptable identity theft report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) : This decision clarified that a XXXX XXXX XXXX is obligated to accept documents submitted by the consumer, as long as they meet the legal requirements for disputing inaccurate information under the FCRA. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

My father and i have the same name, he is XXXX and i am the XXXX. His credit card is showing up on my credit report.
Product: Mortgage

After the loss of both of my parents who were not insured, I was left with the responsibility of burial and funeral expenses in XXXX. This caused a great financial burden in addition to XXXX and caused financial stressors in XXXX. We applied for the XXXX in XXXX and was awarded funds of approximately {$5000.00} to help with our past due balance and escrow. On XX/XX/XXXX, we completed the grant agreement. On XX/XX/XXXX, funds were dispersed via ACH to Rocket Mortgage as well as other partners that we gained grant funds for. On XX/XX/XXXX, all the other companies had received and applied those funds. To date Rocket Mortgage has not. Nearly two months later. They have reported the mortgage as delinquent to credit reporting agencies when they've physically had possession of the funds. And their delay in processing the funds and applying them to our account has caused an escrow shortage causing our XXXX payment to increase by {$400.00}. YET, it only takes them 24 hours TO DEBIT your account with an ACH payment. We made our absorbent payment yesterday at approximately XXXXXXXX XXXX. and had already presented the check to our back by XXXX. They are threatening acceleration on the mortgage when they NEED TO ACCELERATE THEIR PROCESSING.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
The accounts below have violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I looked at my Transunion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares 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 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) 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 shall ( i ) 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.

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 inaccuracy.
Product: Credit reporting or other personal consumer reports

Recently, I looked at a copy of my credit report and noticed several inaccuracies.This account is hurting my ability to obtain credit. It is my understanding that Experian will investigate my complaint and provide proof that what is being reported is accurate. Account : XXXX XXXX XXXX XXXX # XXXX
Product: Mortgage

I own a home in XXXXXXXX XXXX, and the mortgage is serviced by Specialized Loan Servicing LLC since XXXX. I have maintained homeowners property insurance without an escrow since XXXX. In XXXX, I purchased homeowners property insurance from XXXX XXXX with a expiration date of XX/XX/XXXX. Prior to XX/XX/XXXX, I did not receive a renewal reminder from XXXX XXXX Specialized Loan Servicing LLC or Insurance broker/Agent XXXX XXXX XXXX However, on or about XX/XX/XXXX, I contacted XXXX XXXX, XXXX XXXX for the purpose of renewing the policy. On XX/XX/XXXX, the policy agreement was signed and payment or the insurance premium was given to XXXX XXXX. 

On or about XX/XX/XXXX, I received a mailed notice and a robocall from Specialized Loan Servicing LLC requesting verification of homeowners insurance. On or about XX/XX/XXXX, I received a mailed copy of the homeowners insurance binder from XXXX XXXXXXXX XXXX XXXX XXXX, with an issue date of XX/XX/XXXX and an expiration date of XX/XX/XXXX but the declarations page contained a policy period of XX/XX/XXXX to XX/XX/XXXX. I also discovered that the policy period dates were already uploaded to the Specialized Loan Servicing LLC insurance verification website. I subsequently called and spoke with a Specialized Loan Servicing LLC customer service representative, who indicated that unless I have the insurance coverage issue date backdated from to XX/XX/XXXX, I would be billed for a lender placed insurance policy covering an 8 day lapse period. I contacted XXXX XXXX, XXXX XXXX to request a change of the issue date to XX/XX/XXXX. However, XXXX XXXX explained that the insurance issue date could not be backdated because additional days were required to produce the above insurance policy due to a change of insurance carriers. XXXX XXXX also indicated that there are no insurance carriers that would agree to cover an 8 day period lapse and a grace period should be offered due to the above circumstances. 

Contact was established with Specialized Loan Servicing LLC, customer service representatives on two separate occasions. However, the customer service representatives were adamant that a force placed insurance policy would be obtained from XXXX XXXX XXXX XXXX for the 8 day lapse in coverage in the form of escrow on the mortgage account. This policy could not be paid out of pocket. Additionally, Specialized Loan Servicing LLC did not have a grace period policy and there was not a complaint resolution desk to resolve to the above matter. 

Specialized Loan Servicing LLC arbitrarily and capriciously, assessed my mortgage account an additional fee, which they determined was owed for an homeowners insurance lapse from XX/XX/XXXX to XX/XX/XXXX. However, Specialized Loan Servicing , LLC has yet to produce a valid insurance binder for above period and their action appears contrary to a court settlement from court complaint, XXXX XXXX v. XXXX XXXX XXXXXXXX XXXX  filed on XX/XX/XXXX, involving the same issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX have failed to do their job on the data breach FTC violation that caused my credit report harm XXXX and Experian has done a great job looking. into the FTC violation but will be added to the security so they can check on updates
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX Fl, XXXX RE ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX : XXXX TO DESCRIBE METHOD OF VERIFICATION DEAR EXPERIAN : TO WHOME IT MAY CONCERN : I am writing to request the method of verification for dispute initiated on XX/XX/2023 and a Reinvestigation XX/XX/2023 I sent a request for investigation under the FCRA 611 ( a ) to you. I received notice that you verified this information from these accounts listed. I would like to receive physical documentation to support this erroneous information on my report. 

FCRA states the information has to be verifiable and 100 % accurate otherwise the information must be removed under federal law. Experian has been reporting unverifiable and inaccurate information on my credit report which has damaged my credit. I intend to litigate if this information is not DELETED from my report. 

PLEASE SEND THE VALIDITY USED TO VERIFY THESE ACCOUNTS DISPUTED. 

1. The name of the original creditor 2. The creditor address and telephone number 3. The persons name they verified the dispute with 4. The documentation used to verify the dispute 5. Was a XXXX form used or was this through electronic automation dispute process 6. Did you Contact them at the same address and phone number listed on my report Im accordance with the FCRA, section 611, I am requesting this information to review for completeness, and accuracy, and appropriateness. In lieu of of sending the information you can reopen the dispute insure a proper investigation is performed. 

Please do not update or validate this information again without doing a due diligence investigation. I am requesting to be provided with written contract & & physical documentation thats being reported on my credit report via usps mail. Screenshots will not suffice and I would therefore ask that you do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers the the specific questions asked to you in this letter. 

Please reply within 15 days or delete the negative items as originally requested. 

Please not that I am taking this matter very seriously and demand that you follow the law, Im its entirely and send me detailed information how you arrived at your conclusion, or else delete these items immediately!
Product: Credit reporting or other personal consumer reports

i, XXXX XXXX have never had any account or business or products with XXXX  this isnt mine and my information was exposed in data breach and people have been using my information. this needs to be removed from my credit file on all reporting agencies immediately