23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Effective XXXX XXXX, XXXX my mortgage was transfer to Seterus from XXXX XXXX XXXX. I was receiving statements prior to XXXX XXXX for over 8 yrs and four of them were during my Chpt XXXX. Seterus is refusing to send monthly statements after several requests in writing. They have yet to acknowledge acceptance of my request in written. On XXXX XXXX, XXXX thru my own investigation, I found they refused to renew my homeowner 's insurance with XXXX and that they had placed their own forced placed insurance on my home without notifying me. My insurance coverage had not lapsed in 9 yrs. Their excuse was I 'm in a active chapter XXXX and they do not have to communicate with me. My bankruptcy attorney has provided docs allowing communication between us and Seterus has verbally acknowledge letter is on file. Yet I can not get a simple, request for verification/proof of insurance. Instead they added insurance coverage and deducted the amount out of payments to Seterus causing a deficit. Imagine my surprise as I spoke with Seterus ' representative. After several days of conversation between Seterus, XXXX and my self, Seterus claimed they had removed the forced placed insurance and sent a check to XXXX ten business days ago. They claimed they refunded my account for insurance payments from the forced placed insurance. When I ask for proof, they " do not have to provide it to me as I 'm in an active chpt XXXX. '' By the way, XXXX has yet to received said payment. Another issue I have with Seterus is I 've been working to refinance my home thru HARP and they have done everything from sending out payoff that expires within XXXX hrs to refusal to provide 30 day payoff, to not giving a payoff that 's long enough for us to close on our loan. They state " it is against our policy '' to provide what seems to be an industry standard. Escalating in this company is pointless. Everything takes 7-10 business days to get, even if the error was on their part. They continue the same error over and over again and yet bill us each time. It takes them 7-10 business days to process your payment once they received it. Industry standards take 24-48 hrs for any of these type of requests. They never acknowledge anything in writing upon requesting information from them. This company is doing what they want to and always quoting it 's their legal right. What rights do I have as a homeowner fighting to keep her home?
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 XXXXXXXX, XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

hello, my name is XXXX XXXX ans I am a victim of ID Theft. The credit bureaus already deleted the fraudulent previously and reported it under a different name ( XXXX XXXX ). i have included my FTC report.
Product: Credit reporting, credit repair services, or other personal consumer reports

i requested a credit card increase and then noticed other inquires on my credit i dont recognize. 


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

My wife and I sent a letter to the mortgage company ( XXXX XXXX ) dated on XX/XX/XXXX, sent via United States Priority Mail asking the mortgage company to correct the problem. We received a letter dated on XX/XX/XXXX, stating that we were still obligated to the loan. 
My wife and I were not borrowers in the loan modification that was filed in XX/XX/XXXX, but my son was the only borrower on the loan modification.
Product: Credit reporting or other personal consumer reports

I trust this correspondence finds you in good health. I am writing to bring to your attention a troubling discrepancy within my credit report concerning late payments associated with my account. Upon meticulous review of my report, I have identified instances where late payments have been inaccurately recorded, adversely affecting my credit standing. Upon contacting the company linked to this account, they acknowledged a fault on their part. They have committed to rectifying the error by updating and amending my account to accurately reflect my payment history. They attributed these inaccuracies to a system glitch that led to the erroneous reporting of late payments.It is perplexing to me that while other credit bureaus have already rectified the status of this account, your bureau continues to report these late payments. This disparity in reporting raises doubts regarding the verification protocols employed by your bureau to ensure the precision of reported information. 

XXXX XXXX XXXX
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 : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX/XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX and list of Inquiries. 


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: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX ( XXXX XXXX XXXX , OH ) 15 U.S.C 1681 Section 602 A. States I have the right to Privacy.

! 5 U, S, C Section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

XXXX XXXX at the Avanteusa is in violation of the fair debt consumer protection act. 
XXXX XXXX at the Avanteusa have committed several federal violations against me, a Private law abiding Federally Protected Consumer. Each violation is a statutory cost of {$1000.00} each, which does not include my personal cost and fees ( which I determine ) for taking time to address these issues. Violations committed against me include but not limited to : 1.Violated 15 USC 1692c ( a ) ; Communication without prior consent, expressed permission 2.Violated 15 USC 1692d ( 1 ) ; Attacking my reputation, accusing me of owing an alleged debt to XXXX XXXX at the Avanteusa 3.Violated 15 USC 1692e ( 2 ) ( A ) ; False representation of the character and amount of the alleged debt saying I owe {$610.00} 4.Violated 15 USC 1692e ( 10 ) ; False Representation ( not a party to alleged debt by my consent ) 5.Violated 15 USC 1692f ( 1 ) ; Attempting to collect a debt unauthorized by an agreement between parties. 
XXXX XXXX at the Avanteusa are attempting to extort and rob me using deceptive, misleading and abusive practices against me personally, my family and my household. This is criminal activity at least and unacceptable by every means.
Product: Vehicle loan or lease

Ally finance has pronounced my car from XXXX on. And in XXXX  it was repossessed, causing my personal items. Documents loss in lost in the process off the repossess It was sold and and was add to my credit as a charge of.
Product: Credit reporting or other personal consumer reports

Experian failed to block the disputed items within the four business days required by 605B and instead " verified '' the accounts without disclosing the sources or evidence of verification, violating 611 's mandate for a reasonable reinvestigation and transparency. Their actions contravene established precedent, such as XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  which affirm the rights of consumers to accurate reporting and proper investigation of disputes. This pattern of non-compliance with statutory obligations and disregard for the CFPBs XXXX  bulletin underscores Experian 's failure to uphold consumer protections under the FCRA.
Product: Mortgage

LoanCare or XXXX XXXX is messing with the servicing of my mortgage. I have been sending my payments in like clockwork to XXXX XXXX for years now. Then I get a notice that LoanCare will now be servicing my loan at the end of 2020. I received no instruction on how to make future payments. I only got a welcome letter telling me to sign up for a new account at XXXX It's been months and I still am unable to get their new account procedures online to work. I have called their number, ( XXXX endured hours of a phone menu from XXXX and have gotten nowhere. I have been told they don't have all my information yet, the website is down and I am doing it wrong. That is a bunch of bologna! 

The latest is I am told my escrow went up {$130.00} a month. That is a 31 % increase!!! Michigan homestead is limited to a 3 % increase in taxes a year. There is something seriously fishy ... new loan servier but still have XXXX in the title?
Product: Debt collection

Midland Credit Management has called me repeatedly for years. I have not and do not currently have the means to pay them back as I have struggled with health issues and lack of employment, and at this point the calls are just harassing. Every time I block a number from them they just call me from a new one. I've had enough.
Product: Credit reporting

I have submitted all the paperwork to Transunion, by fax and regular mail about this account and it was removed, but it has showed up again without notice. I paid XXXX my final payment, a restrictive endorsed check for {$25.00} which is legally binding & what I was willing to pay. The terms were that by cashing my check, they are accepting my agreement to delete the account from all XXXX credit bureaus. If they did not agree, they could have simply sent my check back as stated in the letter that was enclosed. I am again attaching my cashed check and the letter I already sent to Transunion. This account was since deleted from all XXXX credit bureaus and have been re-inserted without even a notification anyway, which violates the FCRA 's Notice to consumer, that, " If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. ''
Product: Credit reporting or other personal consumer reports

This morning, I saw unauthorized inquiries on my credit report, and I have no idea why they're there. I check my report regularly, but this time I was shocked to find discrepancies that seemed to appear out of nowhere. I even refreshed my browser to rule out a glitch, but they remained. I'm frustrated by this issue and request that the documents I've submitted be reviewed thoroughly so I can finally put this worry behind me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having issues with inaccurate addresses on my credit file. Iwould like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further I give notice to XXXX XXXX, XXXX XXXX, and XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Credit Act, you are required to comply. The following addresses are not mine please remove/delete them : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX I have tried to get this corrected before with no response.

There are several unauthorized inquiries on my report from the following companies that I have never apply for a line of credit or loans please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX I was a victim of ID theft in XX/XX/2017 and items keep appearing from companies that I have no business or contract with. I would like a copy of my full file report on your files for my own personal review.
Product: Payday loan, title loan, or personal loan

Multiple voicemails were left with various people, those voicemails included, name, DOB and Social Security number. When I called the number that was left to me, they stated they were a law firm, and that I had to take care of the debt today. If not taken care of today ( XXXX ) I would be prosecuted for three times the amount of debt. They didnt offer any time and told me they werent a debt collection agency that could be set up with any repayment plans, that it was a law firm that was given me till end of day to repay for face legal action for various fraud charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today is XX/XX/2023, and I sent out a letter regarding false and unknown things on my credit report on XX/XX/2023. Over 60 days later, I have not received a response yet from the bureaus regarding my issue. I feel like I am being ignored in my disputes. In Section 611 ( a ), it is stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted hastily. If the accounts are not deleted, I will file for litigation due to me being ignored for the past 2 months. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed I have some inaccurate " late payments '' on my credit file. I have disputed the accuracy of this account several times but I was never notified of the investigation results. Pursuant to the Fair Credit Reporting Act XXXX XXXX XXXX, an investigation must be complete in 30 days. Since the investigation was not complete it is a violation to my consumer rights and this account must be updated to " paid on time '' or deleted. It is also a violation of my right to privacy and it harm my general reputation for this inaccurate information.
Product: Credit card or prepaid card

I keep getting declines from capital one saying I have too many negative accounts with them and I wan na know where? Please see attached letter I received today. Ive asked this multiple times.
Product: Credit reporting or other personal consumer reports

after reviewing my credit report i notion that XXXX XXXX XXXX has been deleted off my credit report with XXXX but it is still showin on my transunion and XX/XX/XXXX The buearu has failed to update my report with the accurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute with Experian to accurately correct two accounts, the dispute was completed marked as resolved, and to date the errors are still showing on both accounts. Each account was paid in full and closed in XXXX though my credit report still shows no further reporting history since the time before the account closed. I have also contacted each lender directly who confirmed the accounts have a XXXX balance and was reported to each credit bureau including Experian as such. 
Under the FCRA, both Experian as the credit reporting company and each lender are responsible for correcting inaccurate or incomplete information in your report. It has now almost been 4 months since both lenders initially reported to Experian and roughly 45 days since the dispute has closed to no avail. Please contact each lender directly to verify. 
I urge you to expedite and remove this disputed record within the next 15 days as I am in the process of financing a new vehicle and applying for a mortgage where both will be affected by the inaccuracies still listed on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to XXXX, XXXX and TransUnion on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 40 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : 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

A while back I lost my wallet with all my personal information inside. I didnt think much of it and went to get a new social security and DL. I continued with my everyday life an dnever had an issue. Just a couple of days ago I decided topul my credit because I continued to get suspicious letters in the mail. I looked at my report and Im shocked with the number of items that were opened on my name. these suspicious items are not mine. please remove them from my report. XXXX XXXX XXXX {$950.00} XXXX  XXXX {$420.00} XXXX  XXXX XXXX XXXX {$4500.00} XXXX XXXX XXXX  XXXX  XXXX {$3500.00} XXXX XXXX {$5500.00} XXXX  XXXX XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting this account as charged off in a chapter XXXX bankruptcy and the account as closed. This account was never included in my chapter XXXX and was paid on time on the outside of chapter XXXX. The account is open and being paid in a timely manner as agreed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately.
Product: Credit card or prepaid card

My direct deposit from work of {$1100.00} was supposed to hit on XXXX XXXX at the latest ( XXXX promises early direct deposit up to 2 days, so initially I was supposed to receive it on XXXX XXXX ). It is now XXXX XXXX and still no funds have been deposited & I'm accumulating late fees from my bills ( Which their rep stated will NOT be reimbursed regardless of the delay on their end ). They also won't give me any information on when the issue will be fixed. I was told yesterday that it would be resolved by close of business yesterday. Today came, and was told the same thing. Only to just keep playing the waiting game and getting the run around from these people playing with my paycheck.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian continues to state they've verified information on a bankruptcy. However, I tried calling the bankruptcy courts phone listed on the record and it's been disconnected. It's clear this information was vetted out correctly. Experian do not verify information and the record needs to be deleted.
Product: Credit reporting or other personal consumer reports

This is several times I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit reporting agencies to review these accounts ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or update the listed incorrect information on my credit report. 

XXXX XXXX Balance : {$4200.00} ; XXXX XXXX XXXX Balance : {$4400.00}.
Product: Student loan

I was on an Income Driven Repayment Plan last year and didn't have any issues before I had to recertify this year. I'm also on the PSLF. I have been at the same job for over 10 years. They continued to deny by PSLF, claiming that my employer didn't fill in the correct dates and this was incorrect. I resubmitted the paperwork and it was certified. I call the provider to find out how may qualifying payments I have and she couldn't answer the question or simply refused to answer. 

On or about XX/XX/XXXX, I received a notice to recertify my IDR. I submitted my IDR request on or about XX/XX/XXXX, I received a letter XX/XX/XXXX, indicating that my amount was going to be XXXX, after being denied for supposedly not submitting the correct paperwork several times. 

They have now recalculated my monthly payment a total of three times all based on the information that I've submitted. They failed to review any of my documentation before determining their decision to deny them every time and then turn around and approve. 

I have requested a forbearance for the month of XX/XX/XXXX, XX/XX/XXXX. I called in XX/XX/XXXX to request a forbearance until XX/XX/XXXX, since they continued to drag their feet making a decision. Today at XXXX XXXX they took out a XXXX payment from my account, after I was told that I was in forbearance until XX/XX/XXXX. My payment amount in XX/XX/XXXX is now XXXX, which I'm fine with, until they change it again. The numerous calls and correspondence back and forth with this company is tiring and frustrating. This process is absolutely ridiculous. When I open my mailbox and see anything from FedLoan my stomach turns. HEY WAKEUP CALL AMERICAN DREAMERS- HOME OWNERSHIP IS OUT IF YOU HAVE TO GET FUNDED!! Become very familiar with your student loan  provider because you don't have choice as to who services your loan, unless you find a legitimate bank and do it privately. Meet your new life partner ... ITS CALLED STUDENT DEAD DEBT!