23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

The mortgage company has put me into escrow because my fire insurance lapsed. However my hazard insurance has not lapsed. The state of California requires the fire insurance not the mortgage. 

The fire insurance dropped me and I got fire insurance as soon as possible, which they now have. 

They sent me a letter in XXXX threatening to put me in escrow. However, there was no phone number to call. I chatted in their website, and they gave me a phone number without an ability to speak to a person. 

I emailed them right away with no response. As soon as they put me into escrow, they finally gave me a phone number to call. However I was transferred repeatedly with no help. I called multiple times and have had the same experience. 

For months they have said send me the documents. Which I have uploaded and emailed multiple times. They then say give us seven days to research only to come back with the same response. That my hazard insurance lapsed. Which it never did. 

Emails sent on these dates XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And have spent at least XXXX hours on their website and on their phone They put me into escrow for an entire year which seems punitive
Product: Debt collection

When speaking to Monterey Financial Services, they would not send documentation of what this debt is for. I sent a letter to Monterey Financial Services on XXXX XX/XX/XXXX and it was returned with no forwarding address. When I spoke to Monterey again, they would not give me an address to correspond with them. They stated I have to pay this money in order to get any information. They did not care that the company I originally contracted with, XXXX XXXX XXXX, went out of business XX/XX/XXXX ; therefore, there was no service provided for the debt they were trying to collect.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several letter communications and I have received no results and no actions have been taken to fix my report. None what so ever on all credit bureaus. XXXX XXXX XXXX and Experian
Product: Credit reporting or other personal consumer reports

1.Required by 12 CFR 1006.34 ( B ) ( 5 ) yet they have proceeded to place a collection account on my consumer report. The omission denies me the opportunity to verify the accuracy of the debt they claim I owe.

2. I have not been offered the opportunity to dispute the account in accordance with.

12 CFR 1006.34C ( 4 ) ( 1 ) this denial of the dispute process to me of my rights to challenge and accuracy or discrepancy regarding the ledge debt.

3. LVNV FUNDING LLC has resorted to false, misleading and deceptive means in their collection efforts therefore violating my consumer rights, such unethical practices, undermine the integrity of debt collection process, and calls undo distress to consumers.

4. For the more the agency lacks the authority to furnish my account to consumers reporting agencies without adhering to the necessary, disclosures, mandated by law by neglecting to their obligations under 12 CFR 1006.34 ( d ) and 15 USC 16812 ( 7 ) ( A ). LVN FUNDING LLXXXX is flagrantly disregarding consumer protection statues. I demand that the consumer financial protection bureau investigates these egregious violations that are placed on my consumer report no later than 30 days starting today XX/XX/year>
Product: Credit reporting or other personal consumer reports

someone open an account in my name fraudulently. I did not open this account and I have no knowledge of this account or who opened it.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I sent my opt-out notice letter to XXXX XXXX XXXX I am filing a complaint against XXXX XXXX for violating my consumer rights under federal and XXXX XXXX law. XXXX XXXX shared my financial information with third parties without offering an opt-out, violating the XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Consumer Fraud Act ( XXXX XXXX, and Identity Theft Prevention Act. Despite my objections, they claim their Privacy Policy permits sharing, conflicting with XXXX and XXXX law. 

I have not received confirmation of my opt-out status, and my information continues to be shared with consumer reporting agencies. Requests for a detailed account breakdown were ignored, violating the Truth in Lending Act ( XXXX ). XXXX XXXX also disregarded my mail-handling instructions, resulting in a privacy invasion and potentially deceptive practices under XXXX, harming my credit and privacy. 

Their unauthorized sharing constitutes identity theft under 15 USC 1681a ( q ) ( XXXX ). I request that this account be removed from my report and that my privacy rights be enforced.
Product: Credit reporting or other personal consumer reports

This morning, I discovered unauthorized inquiries on my credit report, and I'm at a loss as to why they are there. I regularly check my credit report, but this time there are unexpected discrepancies. I even refreshed my browser thinking it might be a glitch, but the unauthorized inquiries remain. I need you to thoroughly review the documents I've submitted so I can stop worrying about this issue once and for all.
Product: Credit reporting

Two months ago, when I checked my credit report, I realized Equifax report was wrong, my credit score with the other bureau was XXXX and Equifax was reporting XXXX, so I contacted them via fax and USPS registered post. 4 weeks later XXXX XXXX, 2016 I received their replay and they confirmed that the report was amended ( copy attached ). But the report was wrong again, I contacted them immediately via fax and USPS post and this time I attached XXXX XXXX Court Order Dismissal and Case closed order Case # XXXX XXXX XXXX 2016 ( Defendant Motion to Dismiss GRANTED - CASE IS CLOSED ), I received their reply XXXX XXXX 2016 Ref : XXXX / No historical account info was deleted and still reporting XXXX missed payments and status FORECLOSURE Pending!!! 
There is no Foreclosure order or pending court order for this property, lender is lying. 
Equifax ignored XXXX Court Ordder and continue reporting our property FORECLOSURE status. My credit card application with XXXX XXXX was declined because of their mistakes ( see attached letter from XXXX XXXX Bank ) I can not no longer continue arguing with these people, can you please help me to resolve this matter amicably before I take legal action against Equifax. 
Thank you and Kind regards XXXX XXXX
Product: Consumer Loan

I have a vehicle that I am leasing through Chrysler Capital. I have had my car since XXXX 2013 and have been making automatic payments for 24 months without issue. On XXXX XXXX, as what happens on the XXXX of every month, my bank account was drafted by " Chrysler Capital Payment '' for my payment of {$370.00}. It then posted to my account on the XXXX. I travel for work so I have all of my reoccurring bills set up to auto draft. Since I saw it drafted I did n't think anything of it again. 
This past weekend I checked my XXXX XXXX and I had a statement from Chrysler. Imagine my shock when I opened it to find it was showing me past due and that I had not made a payment since XXXX. It was after hours and a weekend so I could not immediately call. 
Monday morning on my way to work I called customer service and spoke to a customer service representative. I explained the issue I was having. He said it 'showed the payment on my account but not sure why it did n't post '. He said he would send it to the accounting department to get it taken care of and would have my late fee removed. He said for me to fax a copy of my bank statement showing where the payment was drafted and to call back in two days to make sure everything was taken care of. 
I just called again now, and there is still no resolution. They show where I faxed in my bank statement ( a detailed statement of the draft is included as well since I work for the bank it was drafted from ) but nothing else has been done yet. The girl told me to call again tomorrow to check on the progress. 
Here is my issue : Chrysler is not doing the right thing for the customer. As a customer every time I called I am being told " I am 22 days late ( or XXXX as of today ) would I like to take care of it ''. In addition, I have been assessed a late fee that has not been removed either. This was NOT my mistake. My account was drafted by Chrysler as it always is. I ca n't help that after it was drafted the accounting department did not post it correctly. Working at a bank, if there is a bank error the first thing we do is to fix it for the customer. After we fix it we then try to figure out what was wrong or where the error occurred. The right thing to do would be to credit my account for the {$370.00} payment that was drafted from my account. ( Like my bank statement shows and the first representative could see ) Then you can research where the error was on Chrysler 's side. Because Chrysler is not doing the right thing I am incredibly stressed because it is showing I owe over XXXX and late 24 days. Not to mention if this is n't corrected soon they will report me late on my credit report and then my next payment is due on the XXXX. To top it all off - Chrysler wo n't call me back - they expect me to call back and follow up instead of Chrysler following up with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I already disputed this account ( CCB XXXX  XXXX ) and filed a complaint thru FTC last XX/XX/2021 with Ref # XXXX and it was deleted under XXXX, XXXX  & XXXX  from my credit reports. However, on my updated credit reports XX/XX/2021, a newly added account appeared under a different name which is COMENITYCB/XXXX  which is basically the same as CCB because CCB stands for Comenity Capital Bank and with the same account number XXXX is reporting negative under XXXX  & XXXX. I've attached a copy of my credit report summary showing that it has been deleted and was added back again. I want this to be removed. I have contacted them before to demand validation of the said account and have it closed but I have never received any validation. This is a scam and I want this to be thoroughly investigated promptly. This inaccurate account is being reported negative in my credit records again and is hurting my financial stability. I have disputed this and was deleted but they've added it again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to file a Fair Credit Reporting violations report against this credit bureau. They continue to report a XXXX XXXX XXXX account on my credit report incorrectly. I brought this to there attention and up to this date they have not deleted it from my credit report of fixed the matter. On XX/XX/2021 I requested from this credit bureau there method of verification as it pertains to this account as this is my rights under the Fair Credit Reporting Act. Seven months have passed since I made that request and that method of verification has not been sent to me as yet. I am enclosing a copy of the letter that I sent them asking for such a request and a receipt from the post office showing that they got the request. The Fair Credit Reporting Act clearly states that a credit bureau has 15 days after they have received a request from a consumer for there method of verification for them to provide it to the consumer. 
Seven months have passed and I have not gotten the method of verification and this is a clear Fair Credit Reporting Act violation for which I can seek damages for in the court of law. The Fair Credit reporting Act states that if the credit bureau is unable to furnish the item requested then this account should be deleted from my credit report. 
I am therefore asking you to delete XXXX  XXXX XXXX from my account due to the continued reporting of incorrect information on my credit report and for not providing me with your method of verification which is a Fair Credit Reporting Act violations. Kindly delete XXXX  XXXX XXXX from my account immediately please.
Product: Checking or savings account

I previously reported the problem of United Bank XXXX XXXX XXXX, VA opening a savings account in my name without my permission, and when I told them not to. That complaint was XXXX. You closed this ticket without taking legal action against them. I want legal action taken against United Bank, and any funds misappropriated returned to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This should go to XXXX, experian, XXXX, and all third party credit reporting agencys.! 5u.s code consumer laws and protection. These agencys failed to protect me by a couple of ways, the first receiving my info from a creditor and posting it at face value without an investigation isnt protecting me. And selling my info without my consent to third party persons and they reporting it to there list of buyers without my consent is a federal violation of my rights and my protection 15u.s code 6802 and these violations is on every account held by XXXX, XXXX, experian they hae a responsibility to protect our info but it must be done by the law and allowing these violations to continue is causing & costing me thousands of dollar every year. Here are two examples XXXXXXXX XXXX card And XXXX card both know the statue has ran out, XXXX told me straight out they would never remove my account i found that to be threatening and harassment XXXX is doing under cover, just these to alone would change my situation in a poisitive way they have failed to protect my privacy and rights but the three havent removed it, i talked to experian today been given the run arrounds. XXXXXXXX XXXX  ACCT # XXXX XXXXXXXX XXXX ACCT # XXXX and when i contacted experian they showed no concern about what they are doing purposely destroying my life.Theres a {$2500.00} fine but no less then {$1000.00} for each violation to be paid to the consumer upon there requesting it as i am now and will send a invoice Not one of my account was reported properly and has gone undetected for years. name all three in this report because they all will receive the same msg one more thing old address that companys are sending are still reporting on as if they were mine and i live there some of the address on my report i dont remember having. I have lived at this address for almost 12yrs and it should be the only one remaining.
Product: Debt collection

I was never contacted or notified of any debt collection, secondly I never been to XXXX XXXX XXXX. I refuse to pay this debt because it isn't mines. If this is truly under my name and social this is identity theft, because I never in my life step foot in that place.
Product: Credit reporting or other personal consumer reports

Hey my name is XXXX XXXX and I have notice that XXXX is reporting a Fraudulent account and on my consumer report. I respectfully ask for proof of this alleged account. And they couldnt provide any. Its been over XXXX days without a response. I respectfully ask at this point that this Fraudulent account be removed immediately. This is not a XXXX party filing this dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

All 3 credit reporting agencies show inaccurate information on my reports. My student loans are consolidated into XXXX accounts. I requested that the individual accounts that are transferred and closed be removed. I have accounts that have inaccuracies in dates open and last active reporting. I am making the effort to clean up my credit report to prepare to buy a home in the next 6 to 12 months. I would like to take definitive steps to improve my credit report and need the cooperation of the credit bureaus. I sent correspondence on XX/XX/2020 and some items were deleted. I filed a personal address dispute with Experian this month and they will not remove addresses that are not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2400.00}, {$1700.00}, {$0.00}, {$21000.00}, {$1000.00}, {$670.00}, {$840.00}, {$2900.00}, {$1000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2400.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1700.00} -This is not my account. 


-- XXXX XXXX XXXX. XXXX XXXX XXXXith ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$21000.00} -This is not my account. 


-- COLLECTION ACCOUNTS 5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account. 

XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$670.00} -This is not my account. 

XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$840.00} -This is not my account. 

XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2900.00} -This is not my account. 

XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account XXXX XXXX has been illegally reported on my credit report..I formally disputed it directly with the credit bureaus in regards to their illegal reporting and have not received any satisfactor reply..Therefore I am now filing this complaint and request a method of verification pursuant to the FCRA, including the name of the person with whom you spoke who has firsthand knowledge of the account in question.. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's Office, should you continue reporting this erroneous item
Product: Student loan

On XX/XX/year> I called Navient and emailed them as well, I advised that I would like to request a School Misconduct Discharge Application, over the phone the information provided was minimal, but was told that they could not send me this form because my loans were consolodated and now priviate through XXXX I emailed for written confirmation and received the below response : Thank you for inquiring about a school misconduct discharge for your private loan. Your loan type ( Refinance ) does not meet the criteria for you to receive an application. If you are having difficulty making your current payment amount on the loan and are seeking information on any options that are available to you for your specific financial situation, please call us at XXXX where a XXXX will work with you to assist you further on this matter. 
Thank you, XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act XXXX  Account XXXX XXXXharley davidson , XXXX XXXX XXXX has violated my rights 15usc 1681 section 602 sates i have the right to privacy 15 usc 1681 section 604 a section 2 it also states a consomer reporting agency can not furnish a account without my written instructions 15 USC 1666b A credito may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Student loan

I have a student loan with American Education Services. They purchased my student loans at some point and I have been making payments through the XXXX XXXX XXXX Plan. 

I received a notice that I needed to renew the XXXX plan last year. I had actually already completed the process through XXXX so I was confused as to why it wasn't processed. I called AES and was advised that I needed to do a separate one with them. The person I spoke with said he could do it over the phone with me. I believe this was in XXXX. I completed the process and went through all the steps with him while we were on the phone. At that point, I was advised that I had submitted the request and my payments remained the same until I received a notice in XX/XX/2022 that my new payments would be XXXX 's the amount. I called AES to find out what happened and was told that I didn't renew the XXXX plan. The woman I spoke with advised that she saw that I did it over the phone with the processor, but it wasn't completed. She said we could do it over the phone that day, but I would still be responsible for the payment for XXXX. She was very eager to advise me to select forebarance for XXXX, but I remembered being coerced into this situation with another company who failed to tell me that if I elected forebearance my interest would be added to the principal. 

I completed the XXXX. 

On XXXX I received a letter from AES saying the following : Interest has been capitalized on the loans listed in the Loan Information section. This occurred because your forbearance, deferment, or grace period ended. 
WHAT THIS MEANS TO YOU Accrued and unpaid interest has been added to your principal balance. Your payment amount may have been adjusted to ensure your loans are paid off within the applicable timeframes. 

When I called AES and spoke with XXXX XXXX she said that it was strange, but when she looked into it she said that it was because I didn't renew the XXXX on time and if that happens then the interest would be added to the principal. 

Not only was I not advised of this at any point, but I did in fact renew on time and the person who assisted me with the XXXX application the first time failed to complete the process or tell me what steps I needed to take.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Report : XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX  XXXX Balance : {$450.00} XXXX XXXX Balance : {$480.00}.