23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Lakeview Loan Servicing LLC has failed to pay my Flood Insurance and Homeowners insurance from my escrow account, IAW RESPA. 

My insurance provider, XXXX XXXX via XXXX, sent a letter to my loan servicer Lakeview Loan Servicing LLC on or around XX/XX/XXXX to renew my insurance policy. Lakeview failed to make a payment at that time. Another letter was sent in XXXX ( Date Unknown/Unclear ) and again my mortgage provider failed to make payments on my behalf IAW the RESPA regulation . 

I was unaware of the failings of my Loan Provider until today XX/XX/XXXX, when I received a letter of Policy Termination from XXXX XXXX. I called my loan provider and was given the run-around stating that the insurance provider canceled my policy " out of the blue '', I then called the provider who notified me that they had sent the letters as mentioned above to the Loan Provider, while also providing me with copies of those letters. I called the loan provider back, and they stated that they had placed loan-provided insurance, I then asked for proof of this. They provided me with the canceled policies, which are not active. I do not have insurance on my home because my Loan provider failed to pay for it, even though I have a valid and active escrow  account.
Product: Credit reporting or other personal consumer reports

I am dissatisfied with your claims and am challenging them due to the lack of substantial evidence to support your stance. I strongly encourage you to dispute this representation. Otherwise, I will take legal action against you. Let 's make it absolutely clear : I am a victim of identity theft, and it's an extremely distressing situation that no one should experience. Instead of finding assistance and understanding from your organization, I've encountered apathy and disrespect. Who do you think you are to dismiss my complaint as if it's inconsequential? Your dismissive attitude is not acceptable. I am the one grappling with the nightmare of unauthorized accounts and financial chaos, not you. I demand that you take my identity theft report seriously and initiate a comprehensive investigation without further delays. 

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

During regular check of credit reports noticed Debt Recovery Solutions on my reports. Collecting for XXXX XXXX FCRA and FDCPA violations from Debt Recovery Solutions that consist of. 
*No idea who they are as I have had no contact with them ever. XXXX account just appeared on credit reports with no chance to dispute. 
*XXXX whom they are trying to collect for is a Internet payday lender that operates illegally in Virginia which is my state of residence. 
*Never have dealt with XXXX unless something was done in my name fraudulently. 

This information concerning Debt Recovery Solutions is also being reported to the Virginia and New York Attorney Generals Offices.
Product: Vehicle loan or lease

I was in a wreck XXXX total loss on my end. My car insurance XXXX paid it off as well as GAP insurance paid the remainder. When I look on to my credibly report on XX/XX/XXXX. I seen that I still had an account with Santander consumer. And it was more than {$33.00} approximately. So the company stated I owed interest rate, late fees. And that price wasnt added into my total cost. So I reached out to XXXX, they stated with Proof, the Title And Agreements that they received from Santander Consumer, I will not be responsible of everything that was agreed upon. So i recently reached out to them after 3 yrs of giving proof to XXXX  about the information. They are still trying to receive {$3400.00} from me that I dont feel that Im not obligated to pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to start my statement by saying I am a victim of the XXXX data breach. Back in the early month of XX/XX/2022 I contacted all three credit bureaus for validation of the debt they have inaccurately reported to my credit profile in hopes of having it permanently removed. I have found *several* contradicting information on my report that further prove my suspicion of these accounts being fraudulent and NOT MINE. Attached is proof of the credit report with misinformation/inconsistencies differing across the three credit bureaus. I kindly request these items to be removed completely, never to be added back again. 

I understand that the Fair Credit Reporting Act regulates credit bureaus and collection agencies to ensure proper and accurate reporting for all consumers. In this case, I have not been treated fairly as the reported accounts are continuing to show -- with mismatch information especially. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There are accounts completely unaccounted for in one or two credit bureau profiles for myself . There are inconsistencies with the accounts close/open status.The payment status showing as 100 % paid on one credit bureau and charged off on the others. It shows accounts not being updated for a year or more on one to a couple bureaus and then updated as recently as last month on the other. This is a clear indication of FCRA being violated and I will not fall victim to this wrongdoing. I was involved in a data breach involving XXXX, and have reported my identity stolen to all the proper authorities. This inaccurate reporting is not in co-ordinance with the Fair Credit Reporting Act and the record keeping is not only embarrassing but my personal life is being affected because of it also.
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. I told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX XXXX : # XXXX, XXXX  : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 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, I hope this message finds you well. A couple of months I reviewed my credit profile and seen inaccurate information regarding an alleged collection XXXX  XXXX. The collection agency annoyingly contacted me even it is already After XXXX XXXX. or before XXXX XXXX. This violates FDCPA Section 805 ( a ) ( 1 ). Prior to submitting this complaint, I have sent over 3 letters to the Buraus to have them send the proper validation of this alleged collection. I have even requested documents to be provided to prove that the payments were indeed in collection. However, all bureaus have avoided me. This makes me angry my consumer rights are being violated! I have the right to dispute any misleading information. I saw a ton of inaccuracies as well ( different open/close dates ). Doesn't this go against the FCRA Laws?
Product: Checking or savings account

On XX/XX/XXXX ; I received a letter from XXXX XXXX stating that a fraudulent account that I had disputed came back as verified after I requested that they do a thorough investigation in the matter. The term " investigate '' according to the FCRA means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items or information. My rights were violated according to 15 USC 1681 section 602a states I have a right to privacy. In addition, it also states in 15USC 1681 section 604a section 2 that a consumer reporting agency can not furnish an account without my written instructions. 
The account in question is listed below : Capital One 360 account # XXXX acct open date XX/XX/XXXX and account close date XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I had a XXXX XXXXXXXX XXXX XXXXXXXX that I paid religiously every month. I was never late on any payments, in fact, I always paid my card in full almost every month. I made XXXX payments that were XXXX payments. I had forgotten that I had put a XXXX block on my bank account due to the fact that I was a victim of identity theft. XXXX XXXX stated that even though I was never late, and in fact overpayed, that due to the XXXX payments being returned that they were closing my account. I tried to reinstate it, but was told that I they were not going to reinstate it. They also informed me on the phone that it would report on my credit as closed by consumer. XXXX is reporting it as a paid loan, however, Equifax has decided to take it upon themselves to illegally report it as closed by the grantor with a XXXX balance, thus dropping my credit score by XXXX points. Equifax REFUSES to assists with fixing anything on credit reports, unless they are compelled to do so. Equifax also falsely reported on my credit that I have no revolving accounts, when in fact, I was approved for a credit card through XXXX  XXXX XXXX, and I do have an account with them. XXXX XXXX also offered me to reapply with them to get a new card, but I declined and opted to go with XXXX XXXX instead. I actually was offered a credit line increase by XXXX XXXX XXXX  prior to their closing of my account, since I was such a loyal customer. I didnt want a credit line increase as I was trying to be responsible with my credit. XXXX XXXX offered me better terms and rates, whereas XXXX  XXXX is for somone who is attemting to repair their credit. Its also worth noting that XXXX XXXX had just sent me a {$200.00} check in the mail prior to this. My credit score has suffered due to Equifax falsely reporting, even though I was a loyal customer to XXXX XXXX and was NEVER late on my payments. When they informed me that they were closing my card, I paid it in full immediately. I understand that XXXX XXXX 's were declined by my bank, that stil never resulted in my being late on my payments, and would not have happened had I not had been a victim of identity theft and was forced to block my XXXX 's as a result. I do have a police report as well. The business practices that Equifax is implementing are uscrupulous and unlawful! I did recieve an email from XXXX XXXX stating that they were going to report on my credit as closed by Grantor, but again, I was promised on the phone that they would report as closed by customer. This should not consitute such a large hit to my credit report. I want XXXX XXXX XXXX  to honor what they promised, but I am thinkning that they did because XXXX has it reported as a loan that was paid in full. Since XXXX reported it as a paid loan, I believe this proves that Equifax intentionally reported this as a negative entry on my report.
Product: Credit reporting or other personal consumer reports

I RAN MY CREDIT AND NOTICED ACCOUNTS AND INQUIRIES THAT ARE NOT MINE I do not recognize this at all. 15 U.S. Code 1681q - Obtaining information under false pretenses - Re : Method of verification Highly Requested Under 15 U.S.C. 1681i ( 7 ) Method of verification As a consumer I request to know all the steps your agency took to insure these items were XXXX XXXX accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 usc ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in XXXX of XXXX connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than XXXX  XXXX  after receiving a request from the consumer for that description. 

PLEASE SEE ATTACHED-
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking over my credit report and found an address that appear to be incorrect. I've enclosed documentation providing proof of my current address, as instructed to do their website. To make the process of deletion easier, here is the address that I am currently seeing listed which I would like removed please : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NY XXXX There should only be one address listed on my report, which is XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX also noticed that my name appears to be misspelled on my credit report. My name only has one correct spelling, and there should be no variations listed because my name has no variations. My photo ID is enclosed to show the correct spelling. Once again, in order to make the process of deletion easier, here are the incorrect spellings I see listed : XXXX. XXXX, XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX Once you have deleted the inaccuracies names and address from my credit report, please send me a copy of my updated report. 

Thank you XXXX XXXX
Product: Money transfer, virtual currency, or money service

I was sending money to a friend and accidentally sent it to the wrong person. They have similar names and I mistyped. I sent {$500.00} to the wrong person and they basically laughed in my face. I tried everything. I reached out to the app directly, my bank, also the person who I thought possibly received the money. Zelle was so embarrassingly rude and told me they couldnt do anything to help me. This happened on XXXX XXXX. It took over 2 weeks to hear anything back from them after my bank investigated because I knew Zelle wasnt going to help. Not only that, I am a XXXX XXXX so that money had a purpose. At the end of the day, I just wanted my money back and to move on with my life. I will NEVER use Zelle again.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 XXXX  XXXX/XXXX  XXXX made an unauthorized credit inquiry. I reached out to the mortgage lender and nobody is taking responsibility. 

I am in the process of getting a home mortgage with another lender and this is affecting my credit score as well as underwriting with my lender to close my mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a car loan with XXXX XXXX XXXX XXXX XXXX XXXX. They are reporting my payments late. I am current on my account. They have me as 60 days late on Equifax and I have called XXXX about this issue and they have fail to correct it. I have also disputed this with the credit bureau as well and nothing has changed. I am current on this account.
Product: Checking or savings account

In the month of XXXX I made the deposit of two checks, one check was from XX/XX/XXXX for the amount of XXXX dollars and the other check was from XX/XX/XXXX also for XXXX dollars, as the two checks are in my name and are for the same amount of money, that caused the system to reject them, since the system assumed them as duplicates, so I made several phone calls to Fifth Third Bank, then I had an appointment with a very nice and competent representative, who explained to me all the procedure to follow after speaking with the corresponding department, and she told me that the money would be in my account within a maximum of 3 days, but that was on XX/XX/XXXX, that representative has called me to see if it is already resolved and so far these funds have not been deposited in my account.
Product: Student loan

Summary : Calls to my loan service provider ( Aidvantage ) consistently hang up in the middle of the conversation, with no callback service provided. 

Details : My loan service provider is Aidvantage. The typical hold time to speak to a representative is upwards of 1hr. Nearly every time I have gotten through to speak with a representative, the call will drop on Aidvantage 's end as I am in the middle of conversing with the representative. I would estimate that this happens on approximately 80 % of calls to Aidvantage, in my experience. 

Because I have grown accustom to expecting the call to drop, I had requested at the beginning of my calls that Aidvantage call me back directly if the call drops. However, Aidvantage representatives told me that Aidvantage does not do any callbacks. So, to get a complete answer to my question, I have to call the customer service number again and wait on hold all over again, often just for the call to drop a second time once I get through to a representative. 

The practical consequence of this means that my typical experience with Aidvantage is as follows : I will have to wait on an extensive hold, generally for over an hour, each time I want to speak to a representative. Once I get off hold, I will begin explaining my issue to the representative. As the representative is in the middle of her explanation, the phone call will hang up. After hanging up, I will receive no callback or follow-up email from Aidvantage. Assuming my question had not been answered, I will then have to start from the beginning, calling the customer service line and waiting on hold to get a representative. During the second call, I will have to rush to explain my situation and where the previous representative had left off. If I request that the second representative jot my number down since the calls consistently drop, the representative will tell me that it's against Aidvantage 's policy to perform callbacks. I then have to hope that the call does not drop a second time ( or third, or fourth, as the case may be ) before my question is answered. 

Aidvantage needs to be held accountable to correct its faulty phone lines and unacceptable " no callback '' policy. Its current policy has wasted countless hours of my time. And based on a cursory XXXX search, it appears that many others have had this experience as well.
Product: Mortgage

We have an escrow account with Freedom Mortgage that has a balance of {$6000.00} as off XX/XX/XXXX. We received a noticed from Freedom Mortgage our homeowner insurance will expired soon and ask to provide proof of insurance in XX/XX/XXXX. We immediately contacted our insurance agent ( whom has been our agent for the past 10 years ) for our homeowner insurance declaration page and send the document to Freedom Mortgage. Our insurance agent also informed us our policy has expired XXXX XX/XX/XXXX at XXXX, I called to Freedom Mortgage to confirm they received the insurance declaration page. They confirmed the receipt of the declaration page but have not for some reason our escrow account is NOT set to pay for our homeowners insurance. The representative told me that they can overnight a check to insurance once they can get this resolve on their end. I asked to file a formal complaint and get this escalated to management and receive a call back about this matter because our property taxes is coming due in XXXX. I did not receive any response from Freedom Mortgage, therefore, I called again on XX/XX/XXXX. Talked to a representative name XXXX and XXXX to resolve this issue, file a complaint and receive a call back. No call back. Talked to our insurance agent XX/XX/XXXX since we have no homeowner insurance coverage as our policy expired XX/XX/XXXX and we have not heard back from Freedom Mortgage. We decided to pay our homeowner insurance policy with our credit card because there was no responds from Freedom Mortgage on when they will pay our insurance premium. If Freedom Mortgage does end up paying, our insurance company can reimburse us. 

I called Freedom Mortgage again on XX/XX/XXXX at XXXX and I talked to a XXXX. XXXX did not provide any useful information and can not confirm if they will send a check to our insurance and can not confirm our property taxes will be paid in XXXX. Again, XXXX said she will escalate this matter to her supervisor. After spending hours on the phone for the past week, we still have not receive any response from Freedom Mortgage about this matter. We do not know if our property taxes nor our insurance premium will be pay but Freedom Mortgage has over $ XXXX in our escrow account and continue to collect funds towards our escrow acct from our month payment. This is not acceptable business practice and is unfair to consumers.
Product: Credit card or prepaid card

We XXXX a XXXX and as of XX/XX/XXXX of this year we were forced to close down due to the COVID-19 pandemic. We had attempted to provide take out and delivery and it was no success at all. We have had no income for 3 months. We have two business credit cards with US Bank and have requested a deferral for the three months we have been closed down. We called and finally reached someone to speak to on XX/XX/XXXX. Before that time the hold times were beyond 45 minutes and we could not reach a live person. When we spoke on XX/XX/XXXX the operator stated she would defer until XX/XX/XXXX. When we called today to discuss the account, we were told it was 78 days in arrears and they would not work with us because the payments were late. They have no programs for deferment. We have a history of paying on time that lasted more than 8 years. All we are asking for is a three month deferment and to take back the negative report on the credit record. We are opening the XXXX  on the XXXX of this month. After a couple of weeks we should be back on our feet.
Product: Bank account or service

I have been customer of CapitalOne 360 since XXXX. I was maintaining a checking account but not using for while. On XXXX XXXX XXXX my friend added me as joint account owner on his checking account and now I have XXXX checking account. But Capital One restricted my both accounts immediately and we do n't have access to the fund. Since it it online bank we made calls to to lift the restrictions but no luck.
Product: Credit reporting or other personal consumer reports

XXXX credit card submitted a late payment to all XXXX credit Bureaus. This resulted in almost a XXXX drop in my credit score. I contacted XXXX and they fixed the submission with XXXX, which elevated my credit score. 

I filed a dispute with Experian, providing my credit report with XXXX as evidence, and they refuse to correct the information. My credit score took an XXXX point hit ( from XXXX to XXXX ) over XXXX late payment ( no others in my history ). 

Experian resolved the dispute but did not provide any reasoning behind the XXXX point drop over XXXX late payment. They told me to go for credit counseling.