23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XX/XX/2020 I received a letter in the mail from Specialized Loan Servicing ( SLS ) stating they got notification from my Insurance Company regarding Cancellation or Non Renewal of my Homeowners Insurance Policy so I called them on Tuesday XX/XX/2020. A lady in the Escrow department said when my loan came to them the " Insurance '' portion was not placed into escrow ( which is not correct ). She stated she would do an Escrow Analysis right away so she took my Insurance Agent information and said she would contact them to let them know payment is coming. On Friday XX/XX/XXXX I called my Insurance Company and they confirmed my policy had cancelled effective XX/XX/XXXX. I was also informed that no one from SLS had contacted them. That Insurance Representative took my Mortgage company information and fax number and sent SLS a reminder that payment is due asap for my Homeowners policy. Today XX/XX/2020 I called SLS again. I was told they need to do an Escrow Analysis and my payment would increase which it should not but if it does to me it would be a small amount because the escrow I currently pay is more than enough to cover both taxes and insurance. My annual taxes is {$4700.00} and my escrow payment is {$470.00} per month. The Insurance renewal is {$1000.00} annual. The Representative XXXX invested more time in telling me that my payment would increase then looking into why nothing has happened since a week ago when I called SLS. She could see notes that I called in and an Escrow Analysis would be done and the Insurance Company would be contacted but she said she would have to do the same thing. 
When I asked why nothing has happened in a week she said she didn't know. Keep in mind that my Homeowners Policy has cancelled and I have no coverage on my home yet I'm paying for it every month in my mortgage payment. I called twice to my lender and was not only treated poorly especially by XXXX but I have no assurance that anything is happening to fix the issue and get my Homeowners Insurance paid. 
And by the way I got their letter on Sat XX/XX/XXXX and it stated that if I don't get some insurance by XX/XX/2020 they would get Insurance for me and add it to my monthly mortgage payment but they are the ones who has my Escrow account. Why didn't I get notification sooner? Please I need your help. The Insurance Agent told me if my Homeowners Payment isn't received by XX/XX/2020 my Homeowners Policy can not be reinstated without a break in coverage which could increase my insurance rates. 

Thank you.
Product: Credit reporting or other personal consumer reports

I called and spoke with a representative on XX/XX/2024 and asked how long would it take for the account to reflect as paid on my credit report. The representative explained that it could take up to 90 days to reflect and that is not acceptable. I paid this account in full on XX/XX/2024. The representative did put in a request on my behalf to get a letter head stating the account was paid in full. However, the credit bureaus wont update the account until the company sends in the update.
Product: Credit reporting or other personal consumer reports

I was checking my credit report and I saw several inquiries that I did not authorize, at the moment I called those banks or institutions and they told me that they could not help me, and to call the XXXX credit bureau which were those institutions and they sent me to fill out a report with you so that you would authorize them to delete those inquiries from my credit report
Product: Debt collection

Last year I filed a complaint with you regards to Midland Funding. A few years back I noticed that Midland Funding showed up on my credit report and disputed it through XXXX and XXXX because I did n't know who they were. I received a letter from the credit reporting agency that they did not respond so it was removed. Last year my work received a garnishment letter from the Sheriff. I was given this information from my employeer. I contacted Midland Funding who referred me to the collection agency they had turned it over to. When I contacted the collection agency the informed me that this was for XXXX XXXX XXXX. I financed a vehicle for my family member back in 2001 and never knew the vehicle was taken back by XXXX XXXX XXXX. I was able to verify the date that the last payment was made. I contacted the courts to see when a judgement was filed. I contacted an attorney who informed me that the statue to file a judgement in NY was six years from the last payment. After verifying this the judgement was filed after six years and I was never served with paper from XXXX XXXX XXXX, Midland Funding or the collection agency that they were suing me for this debt. The collection agency informed me that payments were made to them in the last coule of years, I asked them for copies of these payments made which they said they could n't provide me. This clearly is because I never made payments to them and my family member who I financed the vehicle never made payments them either. I want proof of these payments made within the statue of limitations which were never provided. I was informed to file a complaint through this site and am also going to seek an attorney as well to assit with this matter. I would like assistance to find out how they can violate the law and not provide me with this so called payment that I made to this account. I would like this documentation but none of them will provide me with this because it is not the case. I was told that you could assist with getting them to provide this since their acting in violation of the states laws. I notice that the collection agency they placed this with has been sued several times due to this. I was told I could also file something with the attorney general which I will also be ding today.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXXXXXX Balance Owed : {$27000.00} ; XXXX XXXXXXXX Balance Owed : {$2900.00}
Product: Mortgage

Our mortgage was bought by PNC. Previous mortgage servicer was XXXX XXXX XXXX. Insurance for property is with XXXX and policy was renewed in XX/XX/XXXX. PNC bought out the mortgage XX/XX/XXXX and now is XX/XX/XXXX claiming we do not have insurance.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX  account # XXXX, and XXXX XXXX account # XXXX. Hard Inquiries : XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, AND XXXX, have all violated my right. 

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

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

Issue Summary : In XX/XX/year>, my total mortgage payment was {$XXXX}, which included {$XXXX} allocated for escrow. However, in XX/XX/year>, without any prior notification, SchoolsFirst Federal Credit Union increased my escrow payment to {$XXXX}, raising my total mortgage payment to $ XXXX difference of {$XXXX}. Unaware of this change, I continued to pay my original mortgage amount of {$XXXX} via XXXX XXXX for the next XXXX months. 

Eventually, I was notified that my mortgage payments were not being made in full. After contacting SchoolsFirst, I was informed that there had been an error in the calculation of my escrow account, which was subsequently corrected. However, SchoolsFirst failed to inform me of the adjustment in a timely manner. Consequently, my payments were inaccurately reported as late to the credit reporting agencies, despite my adherence to the original payment amount. SchoolsFirst Federal Credit
Union assured me that they would correct the erroneous " late '' payment reports with the credit bureaus. However, despite multiple follow-ups and communications, including with a representative named XXXX XXXX XXXX the necessary corrections have not been made, and my credit report remains negatively impacted. 

Violation of the Fair Credit Reporting Act ( FCRA ) : SchoolsFirst Federal Credit Union is in clear violation of the Fair Credit Reporting Act ( FCRA ). Specifically, they have failed to fulfill their obligations under Sections 611 and 623 of the FCRA, which require accurate reporting of information to credit agencies and prompt investigation and resolution of disputes. Their negligence in addressing this matter has caused me ongoing financial harm.
Product: Credit reporting

I disputed the following bankruptcy. I received the dispute results from equifax this morning. And according to federal law NO federal bankruptcy court reports to and credit bureau. So with their findings this information is false, due to the fact equifax can not verify with any bankruptcy court espically as listed on attached findings.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and 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 the blocking of the erroneous information which is being posted to my report. 

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

These XXXX  inquiries are not authorized : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These XXXX inquiries are not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These TransUnion inquiries are not authorized These lenders have accessed your credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

The below debt is a result of ID Theft and has been reported as such : 1. Firstsource Advantage XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

transunion is reporting incorrect informations on my credit report. when i ask for investigation, they tell me the informations was verified as accurate. but when i ask for proof of the investigation they refuse to provide any. i want proof that the informations reporting on my credit report are mine or accurate otherwise they have to delete them immediately. the items are : XXXX XXXX XXXX XXXX XXXX bank XXXX XXXX XXXX bank XXXX Bankruptcy chapter XXXX XXXX bank XXXX XXXX bank XXXX
Product: Student loan

My student loans qualified for automatic discharge as per XXXX XXXX XXXX borrower defense settlement. My loans qualified for full discharge and refund for payments I made. The settlement conditions should have been fulfilled as of XX/XX/2024. My loans have been discharged but as of XX/XX/2024 I have not received my refund. I have tried calling the Dept of Education but they do no answer. I have also submitted several complaints via DOE website and have not received a response. I also contacted my loan servicer Mohela and they refer my back to DOE.
Product: Mortgage

I called the mortgage company to ask about my hardship application. I wanted to know if it would affect my credit. I was told that it wouldn't the representative seemed uncertain and contacted the department that reported to the agencies. She came be on the phone after a few minutes and told me as long as I made my agreed payments on the forbearance it would not affect my credit. Now I see on my credit report it is showing 60 days delinquent. What is the purpose of forbearance if you are going to ruin our credit anyway. I expect someone that works at the mortgage company to know the answer this really changed my life and now I am worst off than I was when I applied for the forbearance.
Product: Credit reporting or other personal consumer reports

I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor. 
Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry. 
Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ).
Product: Debt collection

This company is violating my rights they have not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on my consumer report recently. I've made attempts to fix these issues directly with them and they just violating my rights and I'm entitled to {$1000.00} for every violation I listed, they either pay me or delete these accounts ASAP.
Product: Credit reporting or other personal consumer reports

I went to Experians XXXX website for a copy of my consumer credit report. XXXX promises at the home page of their website : Access your free XXXX Credit Report or Score ANYTIME. Experian has all of my current information. There is NO credit freeze, and NO fraud alerts, and NO active alerts of any kind on my credit file with Experian / XXXX. I am entitled by law, by right, and by regulation to a FREE copy of my XXXX  consumer report. Yet, Experian XXXX XXXX have refused to process my online request for a consumer report. I have provided the exact, accurate personal identifying information during my request Correct Name, Correct SSN, Correct DOB, Correct Mailing Address. All of which accurately align with Experians records. However, Experian XXXX XXXX have refused to provide a copy of my consumer report, and are holding my consumer report hostage unless I provide them with a copy of my State DL, a copy of my SSN Card, and a copy of a recent Utility bill. This company, who has a long history of violating the LAW, and violating consumer and personal RIGHTS, has NO RIGHT to collect, process, and store these PRIVATE AND PROTECTED documents. There is no discrepancy between the information I provided to them during the request, and the information they have on file. This company freely and easily provides third-party Credit Issuing companies a copy of my consumer report without the need or request for these documents. I am demanding this consumer reporting agency process the information provided by me at their website, and send me a copy of my report as required by law. XXXX Reference Number : XXXX. Additionally, I am demanding compensation in the statutory amount of {$1000.00} for this violation. Ref ; XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Notice of Intention : This communication is not intended to threaten, harass, or hinder any lawful operations ; it is for the purpose of obtaining lawful remedy as is provided by law for any Citizen of the united states of America ( without the United States ) ; XXXX XXXX, who is in good standing. 

In accordance with Fair Credit Collection Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 ( a ) ( 4 ). 

The account names and numbers will be listed under their respective credit reporting agency : Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collections- XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 15 U.S.C 1681 ( a ) ( 4 ) states that the consumer reporting agencies must be fair, impartial, and respect the consumers right to privacy.

2. 15 U.S.C. 1681b ( a ) ( 2 ) states that the consumer reporting agencies can not furnish an account without my written instructions.

3. 15 U.S.C states that no consumer reporting agency may make any consumer report containing any of the following item of information : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

4. 15 U.S.C. 1681s-2 ( A ) ( 1 ) states that 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 information is inaccurate.
Product: Debt collection

I spoke in XXXX of 2020 with Sunrise Credit Services about this debt. I said this debt should never have been charged to me as it was a mistake from the university. They told me to talk to XXXX and that XXXX university would then in turn talk to them to cancel the debt. They told me to wait a month. So I spoke with XXXX University who said they would speak with Sunrise Credit to drop my debt. The amount has increased since it went on my credit report and it also shows as late payments instead of just a collections. 

I was withdrawn from XXXX University and they registered me anyway. Then charged me for the classes I missed that I didn't even know I was registered for. If you look at my very extensive history of schooling - XXXX XXXX ( I have used school loans to pay for my education ). I have never, ever not told a university if I was no longer going to be a student. I have attended several other universities and have never had this happen to me. In fact, I use school loans to pay when I attend online and in-person universities. When I went to XXXX they did this two me where they registered me for a class and I had to call and tell them I didn't want it. It was like an automatic registration. Normally, you have to physically register for a class. 

XXXX said I owe them {$3000.00} for a semester that I did not even register for. I was not at the school during that time. Then Sunrise Credit appears to have changed the amount owed to {$3600.00}. When I spoke with XXXX to get this dropped they said that the collection agency added the extra {$610.00}. Which I thought was illegal. So when I spoke again with Sunrise they said they didn't add that extra that was what XXXX reported. Then they both promised that they would work this out and drop this false charge. It is not XXXX and I disputed it again on my credit report, but nothing has changed. 

I am worried that XXXX University is trying to get money from students by registering them for classes even though they stopped attending. I need to access my XXXX email to show proof that I contacted my advisor telling her that I would not be returning to the program. I never intended to return to XXXX, yet they still charged me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Citibank NA / The Home Depot is reporting a charge-off account to XXXX and XXXX that is not mine. I was not liable on either account and was only an authorized user. I've sent multiple letters to dispute this item directly and they have failed to remove it from my credit report.