23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from Kikoff Lending stating that my account would be closed due to missed payment and reported delinquent. However, upon the agreement terms with the company, it states that if the account is closed and has funds built up in its wallet, the company would use the funds in the wallet to cover the unpaid amount. My account had the funds in the wallet to cover the unpaid amount. 

I reached out to Kikoff support via email on XX/XX/22 to request additional information and they responded stating that no account was located and there was no balance due. 

I received an alert from XXXX today that Kikoff Lending reported my account as " closed, paid. delinquent. '' This company has violated its OWN agreement terms as well as the FCRA reporting guidelines.
Product: Mortgage

We noticed in XX/XX/XXXX, that our XXXX account got charged the wrong amount. We contacted our Mortgage Company, Lakeview Loan Servicing/XXXX XXXX XXXX XXXX right away via their website and they never responded. We ended up calling on XXXX, XXXX XXXX, via customer phone service and the customer service representative we spoke to promised us that this mistake will get fixed ASAP, but nothing got done. 


We did go to the City to make sure both our lot and house taxes got paid on time with the correct amount. They confirmed that they got the right amount for each lot. A one time payment of {$97.00} for the lot XXXX. And 4 times {$710.00} on the lot XXXX. 

Lakeview Loan ServicingXXXX XXXX XXXX took out of our escrow, XXXX payments of {$97.00} for the lot XXXX. In which the city only got a XXXX time payment of {$97.00}. Lakeview Loan ServicingXXXX XXXX XXXX also took one extra payment of {$710.00} on the same lot XXXX. Lakeview Loan ServicingXXXX XXXX XXXX took out of our escrow, totalling {$910.00} which is unaccounted for. 

On XXXX, XXXX XXXX, we reveiced our yearly Escrow Analysis and we noticed the previous mistake was never fixed and of course our Escrow ended up being short because of it. We called Lakeview Loan ServicingXXXX XXXX XXXX again on XXXX, XXXX XXXX and the customer service agent was rude and not cooperating with us. After this incident we decided on XXXX, XXXX XXXX to send them a registered letter, Notice of Error, stating to the company what needs to be fixed and and as of today, XX/XX/XXXX, we reveiced no communication nor cooperation from Lakeview Loan ServicingXXXXXXXX XXXX XXXX and our mortage increased and nothing got resolved. We gave them the required amount of time, the 30 days, to respond back to us by law. 

We ask that you look into this matter so this escrow issue can be fixed ASAP. Also so we can find out where our {$910.00} went.
Product: Credit reporting or other personal consumer reports

i reported that a new account was posted on my credit report. i have not opened any new accounts. i reported as soon as i got the alert to stay on top of this. on experian i opened a dispute and after some time they reported that they will not be removing this off my credit report. i did not open this account so im not sure how they are claiming this as mine. no information was provided to confirm how this account was opened. i did open a identity fraud case as I'm worried my ssn was compromised. i would like to complain about them not investigating into this enough. 

please and thank you,
Product: Debt collection

This is the second year that I receive a claim of lien from the same collection agency ( Tankel Law Group ) for not paying my hoa fees to XXXX XXXX XXXX XXXX in a timely manner. I have not received an email stating my HOA fees are due. Last month I received a letter in the mail stating that I owe XXXX dollars, when my yearly hoa fees are for XXXX dollars. Last time I didn't dispute it, I just paid the money. I'm going to pay the money and I have no problem with paying a penalty for being late. What disturbs me is that it appears that I'm being overcharged, and I wonder about the legality of the situation. I get the impression that my HOA company which is located in XXXX, fl has some kind of agreement with this collection Agency which is located in XXXX, fl. 

The first time I received a claim of lien was in XXXX, in XXXX i received an email from my hoa and i paid online, XXXX is the second such claim. I have an email trail for XXXX if that is required.
Product: Credit reporting or other personal consumer reports

I am writing to address a serious issue regarding the reporting of fraudulent information related to my account on my credit report. This account originates from XXXX XXXX, while I have been a resident of XXXX for the past XXXX years. I recently discovered that your company is reporting an account that was previously handled by SEQUIUM ASSET COLLECTIONS. After resolving the matter with XXXX, I was surprised to find it now listed under your name, which appears to be just another DBA for the same company. This practice is concerning and, I believe, not legal. I previously requested verification for this account, but I have yet to receive any documentation to support your claims. According to your representative, SEQUIUM ASSET COLLECTIONS and SEQUIUM Collection are essentially the same entity, raising questions about the legitimacy of your collection efforts. I am now formally requesting clarification regarding the ownership of this account. It is unacceptable for a debt that has already been addressed to be pursued under a different name without proper verification. This situation violates the Fair Credit Reporting Act ( FCRA ), and I urge you to take immediate action to resolve this matter. I expect a prompt response regarding the verification and ownership of this account. Under the method of verification outlined in XXXX USC XXXX ( a ) ( 6 ) ( B ) ( iii ), you are required to send the necessary documentation within 15 days, along with a description of the procedure used for verification Along with any documentation that came from such investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a copy of my LexisNexis credit report and noticed 4 accounts I did not authorize per 15 U.S. Code 6801 ( b ) Financial institutions safeguards In furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. According to FERPA stands for the Family Educational Rights and Privacy Act ( FERPA ) ( 20 U.S.C. 1232g ; 34 CFR Part 99 ) and is a federal law that protects the privacy of students ' educational records. The law applies to all schools that receive funds under an applicable program of the U.S. Department of Education.

15 U.S. Code 6803 - Disclosure of institution privacy policy ( C ) subject to any provision of law, rule, or regulation issued by a legislative or regulatory body of the State, including rules of professional conduct or ethics, that prohibits disclosure of nonpublic personal information without the knowing and expressed consent of the consumer.
Product: Credit reporting or other personal consumer reports

I want to know why Bay Finance and Aqua Finance are both reporting my account as delinquent from XXXX to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX/XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX are not my accounts, I did not sign up for an account with these creditors. Credit Bureaus are misrepresenting that I owe this debt and yet they could not substantiate its representation.. They have provided information while knowing or having reasonable cause to believe that the information was inaccurate. They failed to abide the provisions of FCRA that's why I am filing this complaint
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 12 accounts on my credit report that are not mine they are part of a identity theft case that I am going thru I have reached out to the three bureaus regarding this I have reached out to the furnishers and yet nothing there. I have opened an FTC report regarding this I spend days writing letters and getting on the phones to reach the furnishers and bureaus I am getting tired of this run around I need these accounts off my credit report. 

Account Name : XXXX XXXX XXXXS XXXX Account Number : XXXX Account Name : US DEPARTMENT OF EDU Account Number : XXXX Account Name : US DEPARTMENT OF EDU Account Number : XXXX Account Name : US DEPARTMENT OF EDU Account Number : XXXX Account Name : US DEPARTMENT OF EDU Account Number : XXXX Account Name : US DEPARTMENT OF EDU Account Number : XXXX Account Name : US DEPARTMENT OF EDU Account Number : XXXX Account Name : US DEPARTMENT OF EDU Account Number : XXXX Account Name : US DEPARTMENT OF EDU Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX
Product: Debt collection

LETTER OF DELETION HAS BEEN ATTACHED FOR FRAUDULENT ACCOUNT THAT EXPERIAN WILL NOT REMOVE. CONSUMER HAS MAILED DELETION LETTER TO EXPERIAN ALONG WITH 2 FORMS OF IDENTIFICATION. ALSO HAS MAILED IN CERTIFIED A LETTER WITH INTENT TO SUE EXPERIAN. CONSUMER HAS ALSO MAILED A DELETION LETTER FROM THE COMPANY XXXX XXXX. EXPERIAN REFUSES TO DO THEIR JOBS. PLEASE REMOVE FRAUDULENT ACCOUNT FROM CONSUMER REPORT AND BLOCK INFORMATION BECAUSE IT IS FRAUD AND CONSUMER IS A VICTIM OF IDENTITY THEFT. 


( XXXX, XXXX ), ( XX/XX/XXXX ). This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681 c-2 ) that you the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days you receiving this complaint. This fraudulent, inaccurate, and false information consists of an automobile account opened at XXXX XXXX on XX/XX/XXXX Account number ( XXXX ) This account has resulted in several fraudulent hard inquiries and fraudulent collections that is " written off '' meaning paid with a 1099 C and company did not provide any documentation to consumer. Every month fraudulent company is reporting on consumer report which is illegal and has no permissible purpose. Fraudulent collection ( s ) appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections and hard inquiries are the result of identity theft and fraud. CONSUMER WILL FILE A 211 WITH IRS IF ACCOUNT IS NOT REMOVED BEING THAT EXPERIAN HAS ALL INFORMATION PROVIDED. REMOVED FRAUDULENT ACCOUNT IMMEDIATELY. 

CONSUMER REQUEST THAT THE EXPERIAN DELETION LETTER FOR THE FRAUDULENT ACCOUNT XXXX XXXX BE MAILED AND IN WRITING.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not recognize nor did I authorize the following inquiries to be made : Cap One XX/XX/XXXX Cap One XX/XX/XXXX Cap One XX/XX/XXXX
Product: Credit card or prepaid card

DISCOVER FINANCIAL SERVICES XXXX XXXX XX/XX/XXXX Received Email from DISCOVER FINANCIAL SERVICES, '' Thank You for your " Recent '' application for a Discover Personal Loan, Your Online submission was successful. 

The name " XXXX XXXX '' is " NOT '' my name. 

XX/XX/XXXX Email from DISCOVER FINANCIALS SERVICES Thank You " Your Uploaded of " Cash Flow '' Documents was " Successful '' We look forward to completing your loan request. 

XX/XX/XXXX Email From DISCOVER FINANCIAL SERVICES Your application is close to being completed, we need a few verification documents. 

XX/XX/XXXX Email from DISCOVER FINANCIAL SERVICES We have Great News We have verified all of the information provided and your loan is now ready to accept. 

Each letter has more content within the letter. 
Showing an Application Ref Number and DISCOVER phone numbers. 
I proceeded to contact DISCOVER on Two Occasions, with " No Explanation '' .or Understanding '' Who is XXXX XXXX XXXX and how is she connected to my Email Address,? I proceeded to do a " People Search '' and There is a XXXX XXXX  listed. I went no further. 
It seems I have had difficulties with my DISCOVER account in the past which is now closed and went to a Debt Collector. When I access my XXXX  Credit Reports it shows , `` No Payment Activity " /Account not found. How can this be? CHARGE-OFF '' Settled for less than the Full Amount. Closed XX/XX/XXXX. I never " Settled '' So I don't understand. Starting XX/XX/XXXX I would receive in Email From DISCOVER CARD-ALERT-SSN-INQUIRY AND NEW ACCOUNT Received Four : XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX. I called DISCOVER No Explanation.!!! My determination. The Alert is referring to my SSN, INQUIRY, NEW ACCOUNT I know nothing about a New Account.and There is nothing New added to my Credit reports.There 's more, To much to send
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to demand immediate action regarding the gross inaccuracies on my credit report and to request detailed information regarding the steps your institution has undertaken to ensure the complete accuracy of the disputed items, as required by 15 U.S.C. 1681i ( 7 ) Method of Verification. Per 15 USC ( 6 ) ( B ) ( iii ), your agency is legally obligated to provide a comprehensive account of the reinvestigation process, including : - The specific business name and address of each entity contacted for verification - The persons name with whom the verification was made - The complete documentation used to validate the disputed information.

This information must be provided within 15 days from the date of this request, as specified by law. Failure to do so will constitute a violation of your statutory responsibilities under the Fair Credit Reporting Act ( FCRA ). I previously instructed your agency to immediately block and remove all fraudulent information from my credit report and to provide me with an updated report. However, despite these clear directives, the following inaccurate items persist on my credit file : XXXX XXXX - XXXX Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be update as agreed this payment history. Else, DELETE this account immediately! 

XXXX XXXX XXXX - XXXX Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be update as agreed this payment history. Else, DELETE this account immediately! 

XXXX XXXX - XXXX Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be update as agreed this payment history. Else, DELETE this account immediately! 

XXXX XXXXXXXX - XXXX Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be update as agreed this payment history. Else, DELETE this account immediately!
Product: Debt collection

Midland Funding LLC notes acct # XXXX as a debt owed by me for {$820.00}. I have sent two certified mails requesting validation of debt ( XXXX/XXXX/16 and XXXX/XXXX/16 ) bearing my signature but Midland Funding simply replied as debt is owed by me. Midland Funding has failed to provide validation of debt and I have requested numerous times for the derogatory marks to be removed from all XXXX credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard inquiries that I did not make and ask to be removed I could not do it online because its asking me to. Pay and over the phone. I got hung up on and told to mail with XXXX  Equifax did not help me at all even though they had a recent security breach
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX  XXXX Balance : {$750.00}
Product: Mortgage

I bought my home in XXXX of XXXX. I have maintained steady payment for taxes and insurance all since that time. Through all the outrageous insurance and property tax increases and taking care of my child as a single parent - I made my payments on a {$150000.00} home. However, this new increase from my Insurance/mortgage, I can not pay! My mortgage company ( Specialized Loan Servicing ), is saying I need to add an additional {$400.00} a month, to pay insurance and taxes. That adds up to {$900.00} per month- just for insurance and taxes - PER MONTH! So now, my monthly mortgage payment on a XXXX XXXX home, went from {$1400.00} to {$1800.00} PER MONTH! Per the Mortgage company, they estimate my taxes for XXXX @ {$3400.00}. I asked to have the taxes taken from my escrow and i will pay on my own. They told me, " to do that requires a decision by the board which will take 15 business days ''. My insurance went form {$200.00} to XXXX XXXX since XXXX. Never mind the fact that I take great care in maintaining good credit and making all my payments on time no missed or late payments in 10 years! I'm being penalized for maintaining a good payment record. I think Im being priced out of my home. Why is the state not assisting homeowners to stay in their homes? Helping homeowners to stay in their homes, creates a stable neighborhood, City , County, and ultimately, Country. I have tried looking for cheaper insurance. My broker says they can not find any cheaper Please help, homeowners are suffering. This is the only value I have ; I feel like Im being pushed out of my home, and Im on my own with not help. While everyone is grabbing at me for more money, more money which I dont have! Please find me help me find affordable home insurance.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX  and Transunion should not be reporting that I am ( 120-150 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Debt collection

Because I have credit monitoring, I received an alert on XX/XX/2022 that a collection had been added to my credit report. When I checked the alert, it was from Designed Receivables Solutions ( " DRS '' ). I called DRS to ask what this debt is from and all they would say is that it is from XXXX XXXX XXXX. I explained to them that that city is over 100 miles away from where I live, and that I have never visited that area. I asked them for the account information and they said I would need a police report. They never sent me a letter or contacted me about the debt before adding it to my credit report. When she asked to confirm my address and phone number, it was an address that I hadn't lived at in over 10 years. I sent them a letter requesting the account information of the debt, and they have never responded back, but instead they listed the account as disputed on my credit report.
Product: Checking or savings account

This transaction began to take place on XXXX XXXX. When the scammers begin to used my checking account to order cell phone using my XXXX XXXX. Let me explain that I thought that I was working for a shipping company at the time. So they had all of my information. There was XXXX iphone fifteens ordered in my name. So right now has not allowed me to report the cell phones lost or stolen.There is a letter stating that I violated my XXXX XXXX with the company. I am annoyed because when I discovered this I called XXXX to report the issue. Another issue that I have had is with XXXX from the first job scam the scammers over ran my charge account. When I reported to Discover that I was a victim of a scam, I was told that there would be an investigation. But after the investigation no one has reached out to me and on the activity log how the scammers added payments to my account and then retracted the internet payments. So now once again I am held responsible for something that is out of my control. Not happy at all. Thank You XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to XXXX XXXX and Experian about the validity of accounts on my credit report on XX/XX/XXXX ( 30 days ago ). I have not received a response from them. 

XXXX XXXX and Experian are not complying wither their own policies in a timely manner.
Product: Mortgage

XX/XX/XXXX ( likely XX/XX/XXXX ), I called XXXX XXXX XXXX, told them I wanted to pay off my mortgage loan, and asked them how much money I should send in and whether I should send it to them or send it to PNC Mortgage ( the company taking over the loans on XXXX XXXX ). They said I should send in {$18000.00} and said if I send it before XX/XX/XXXX, I could send it to them, or after XX/XX/XXXX I should send it to PNC Mortgage. On XX/XX/XXXX, I wrote a check for the amount they said I should send and sent it to XXXX XXXX XXXX. Although they had given me the impression that they would process the pay-off, they sent it to PNC Mortgage. PNC called on XXXX XXXX and said I did not send enough money and please call their Pay-off Department. On XXXX XXXX, I called to complain. On XXXX XXXX, they called to say that XXXX XXXX gave me the wrong amount, and I still owe {$130.00}. 
On XXXX XXXX, I received a statement saying I owe a recording fee and interest on the loan from XXXX XXXX to when I paid it off and that they are continuing to charge me interest even now. XXXX XXXX had told me nothing about these extra costs, so I called and told PNC ( on XXXX XXXX ) that I will be filing a complaint.