23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

SN Servicing Loan No. XXXX My name is XXXX XXXX. 

From XXXX to XXXX, my mother, XXXX XXXX, tried desperately to stop the foreclosure process on her home with SN 's prior mortgage company and was repeatedly lied to and was told the application documentation had been lost, misplaced or never received even though it had. Eventually she realized her efforts were futile, became XXXX XXXX from her experience with XXXX XXXX and XXXX XXXX   from a XXXX. She was rushed to XXXX XXXX Hospital diagnosed with XXXX, and died alone in her hospital bed at the age of XXXX with no one by her side. Her last wish, hospital staff told me later, was to save her home for her children and grand children so they would have a place to live when she died. 
After my mother died, all my brothers and sisters were grief stricken and left Massachusetts for other states to live with relatives to try to forget what XXXX XXXX had done to our mother. I was left as the successor representative to her estate, with her house now in foreclosure with SN Servicing. I informed SN Servicing that I would assume the mortgage and submitted my loan modification application with all required documentation to SN in XX/XX/XXXX. 
Despite having received my application three months ago, SN Servicing scheduled a foreclosure sale on my home and is now refusing to give me any updates on the status of my loan modification application or to reduce to the loan to its XXXX fair market value. They are stonewalling me the same way XXXX XXXX did with my mother for five years before she died, and has now scheduled a foreclosure on my house on XX/XX/XXXX. 
Please contact SN Servicing and help me get my loan modification application approved under the XXXX " Pick-a-Pay '' settlement agreement and have SN reduce the loan to {$200000.00} from its current balance of {$420000.00} as it was required to do in XXXX. I only have two weeks before the foreclosure auction. I want desperately to save my mothers home so that her grandchild, my son, can have a place to call home when he grows up. 

XXXX XXXX XXXX XXXX XXXX. 
XXXX, MA XXXX SN Servicing Loan No. XXXX
Product: Credit reporting or other personal consumer reports

After inspecting my credit report, I noticed a mistakes. The three credit bureaus are required to validate this account per Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ).

Reporting unverified information without proof within the legal period is not allowed.

Please investigate and correct the account listed on my credit report : I appreciate your prompt action to update or correct these reporting accounts. If you do not comply with this request, immediate repair of the accounts is necessary. Thank You.
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 XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681C. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crime which antedates the report by more than seven years. 

15 U.S.C 1681-2 ( 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: Debt collection

I visited XXXX XXXX XXXX in XXXX of 2022 for a XXXX XXXX. I gave them my insurance info and paid my XXXX copay to them. 6 months later I get a bill in the mail from XXXX XXXX of XXXX saying I owe one amount. I call them and they say I owe a different amount. I told them my visit was billed through insurance and gave them my insurance info. A year later I get a few more bills in the mail from XXXX XXXX XXXX XXXXXXXX saying I owe different amounts. I check with my insurance and they verify all bills were paid and I should owe nothing. I call XXXX XXXXXXXX XXXX XXXXXXXX and advise them of this, they said they would look into it. Now I'm getting letters in the mail and calls from a collections agency named ATG Credit saying I owe numerous different amounts. I've disputed those amounts. I've included screenshots of what my insurance paid out on the claim. I never hired XXXX XXXX XXXX XXXXXXXX, I hired XXXX XXXX XXXX. If the hospital sub contracted something out to this company, their dispute should be with the hospital. As far as I'm concerned the claim has been paid and I owe nothing.
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding inaccuracies in my credit report that have not been resolved despite my attempts to address them with the appropriate credit reporting agencies. I feel like a lot of these misunderstandings come from my father also having my exact same first, middle and last name. We do not have a XXXX or XXXX to differentiate us, other than our socials and birthdates. 

Incorrect Name and Address : My credit report contains incorrect names and addresses that do not belong to me. 
I have provided my accurate personal information to the credit bureaus, but the errors persist. 

Unauthorized Collections Accounts : My credit report includes collections accounts that I am not aware of and have no knowledge about. 
These accounts appear to be either fraudulent or mistakenly attributed to my credit profile. 

Steps Ive Taken : I have previously reached out to the credit reporting agencies to dispute these inaccuracies and provided documentation to verify my identity and correct information. 
Despite these efforts, the incorrect entries remain on my credit report, negatively affecting my credit score and financial reputation. 

Impact : These inaccuracies are causing significant challenges, including potential issues with credit approvals and financial opportunities.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
CITI XXXXDate Opened : XX/XX/2016 Balance : {$560.00} Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX XXXX or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but XXXX is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy ... and the bank 's records ( learned through more research both parties require ). Please block/remove this file. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Product: Debt collection

This company continues to contact me about debt they claim that I owe to XXXX XXXX. After numerous conversations and calls I have 2 different reference # s from XXXX XXXX stating I do not owe them money and my account is closed and in good standing. The error was on their part as they credited it to the wrong account. XXXX XXXX also stated that the creditors contacting me are not agencies that they work with and have never heard of them. They feel some of these companies are fraudulent. 

XXXX XXXX reference # 's stating that my account is in good standing with a XXXX   balance 1XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX
Product: Credit card or prepaid card

I purchased shoes through a. Company called XXXX shoes via Klarna with my debit card and later learned from online reviews that the company had a bad reputation and fraud allegations. I tried to cancel the order and the company refused even though order has not been shipped and that is what the online complaints at XXXX state the company would do even though their policy says otherwise. I contacted Klarna to stop payments and they are unhelpful and are allowing the fraud. I contacted Klarna today to withdraw my authorizations for them to debit my card or bank account and their rep just ignored my repeated request to withdraw authorization. I want my account with Klarna closed immediately and any and all authorization to debit my accounts revoked as requested
Product: Credit card

The date of the first delinquency that you have does not match the date that I have. Under 15 USC 1681e b you must provide maximum possible accuracy. Im requesting full disclosure of the XXXX of my profile
Product: Credit reporting or other personal consumer reports

I did not give anyone authorization or consent to use my personal information.

I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act.

usc 1681 says a consumer has a right to privacy, USC 1681b SAYS THAT A CONSUMER REPORTING AGENCY CAN ONLY FURNISH IN ACCORDANCE WITH THE WRITTEN PERMISSION FROM THE CONSUMER.
Product: Mortgage

My parents who are both deceased left this property XXXX XXXX XXXX XXXX, XXXX XXXX, FL. XXXX to me XXXX XXXX XXXX and it was foreclosed on XXXX XXXX, XXXX : Foreclosure paperwork was done. On XXXX XXXX XXXX my son who is not on the mortgage. This mortgage has been sold over and over. I try to do the modification for the XXXX 6 months with no success. I hired XXXX XXXXXXXX on XXXX XXXX, XXXX to do the loan modification for me. And the modification went through the trial. Then XXXX extra month of payment, then they put me through a second trial. Hopes of getting a modification. The payment went for {$710.00} ( 3 ) month, {$810.00} ( 1 ) month, {$1000.00} ( 1 ) month, ( 3 ) month {$1000.00}. Add it up with homeowner insurance. Had me jumping through hoops to get a XXXX point and wind mitigation inspection. Still did not accept the low cost insurance I found for myself. Helping families save their homes Act of XX/XX/XXXX XXXX. When I started out I told all the attorneys I do not want to lose my parents ' home and the family house with have both been in this family for over XXXX yr. I got a phone call this weekend about the insurance I put in tell me singe some page work that was email. But when I went to the email no paperwork was there. Last month I pay no payment because the later payment was paid in XXXX XXXX. I was toll look for the final modification papers in the mail by my lawyer, as of today I have not received any paperwork. Every payment has been more than the {$940.00} you see on this monthly mortgage statement that I will send to you when you ask for documents. Since I did the first complaint PennyMac has send me the new find modification with is unreasonable because I had a 30 years fixed rate 8.450 % at {$940.00} mortgage payment total left {$120000.00}. Now it 's up to $ XXXX and a 40 years payment {$920.00} interest rate 3.875 %. a officer to reduction of {$22000.00} the anniversary of your XXXX trial period payment date for three years. If I do not want principal forgiveness, I may have other modification options. Yes I would like to know what the other options are at this time. Did not give my time to take to a Real Estate Attorney to look this over.
Product: Credit reporting, credit repair services, or other personal consumer reports

[ XX/XX/2023 ] To Whom It XXXX Concern : Please note that under Section 1681c of the Federal Fair Credit Reporting Act, you are obligated to delete obsolete information from the consumer credit report of the undersigned. The following account list : [ PayPal Credit ] This information is obsolete and should no longer be appearing on my credit reports ; please delete it.

This information is outdated, and obsolete and should be deleted immediately from your credit files. I anticipate your immediate attention to this matter. 

Truly XXXXXXXX XXXX XXXX XXXX
Product: Mortgage

I, XXXX XXXX ( the daughter ) own XXXX XXXX XXXX XXXX XXXX VA, property that is under contract and I can not gain a payoff statement from PHH Mortgage company. All documentation has been provided by way of XXXX XXXX XXXX thus the request for the payoff statement. 

I am being told that I am unauthorized, thus PHH Mortgage will not communicate with me. I can not gain an understanding as to why I have not been listed as an authorized person. I need the payoff statement within the next 48 hours in order to close. 

My mother is deceased. The mortgage is in her name but the deed reflects both of us : joint tenants with rights of survivorship.
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. XXXX XXXX XXXXXXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX  XXXX, SC XXXX XXXX XXXX  XXXX BALANCED {$0.00} XXXX XXXX  XXXX BALANCED {$0.00} XXXX XXXX XXXX XXXX BALANCED {$14000.00} XXXX  XXXX BALANCED {$35000.00} XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

From XXXX I was in an XXXX  relationship I got scammed and I had multiple data preaches where my information was exposed my information was used to look for and obtain loans for cars by scammers who said they were going to help me start a car rental business they kept the cars and got insurance in my name and nothing was paid for my abuser had me open credit cards and different accounts that he said he would pay for and put fake checks in my bank accounts and took the money he stole and control my money and I was unable to pay any of my bills resulting in homeless debt and financial ruin I had to go into a XXXX XXXXXXXX shelter in order to get help and get away from my abuser. Also my personal information was exposed in multiple data preaches. The car loans were XXXX XXXX XXXX XXXX XXXX in the amount of {$37000.00} XXXX XXXX XXXX XXXX  in the amount of {$37000.00} XXXX XXXX XXXX XX/XX/XXXX in the amount of {$30000.00} XXXX XXXX XX/XX/XXXX in the amount of {$29000.00} XXXX XXXX XXXX XX/XX/XXXX in the amount of XXXX XXXX XXXX XX/XX/XXXX {$21000.00} XXXX XXXX XX/XX/XXXX {$1200.00} XXXX  XXXX XX/XX/XXXX {$4000.00} XXXX XXXX  XX/XX/XXXX {$1000.00} collection for XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX {$630.00} XXXX XXXX XXXX XX/XX/XXXX {$770.00} and inquiries to my credit XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry XXXX XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX I have been working with a victims advocate XXXX XXXX XXXX XXXX I filed a police report about the abuse at XXXX police department and I was in XXXXXXXX XXXX XXXXXXXX XXXX  and I am starting disputes with the creditors
Product: Checking or savings account

Some debits are billed twice for the same transaction. In the morning I buy coffee from XXXX XXXX XXXX. I was billed {$13.00} several times for the same transaction. Double billing my account.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account XXXX XXXX XXXXXXXX XXXX XXXXXXXX, has violated my rights. 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I WAS IN THE HOSPITAL FOR XXXX XXXX AND SOMEONE ACCESSED MY PERSONAL ID AND FINANCIAL INFORMATION. I HAVE SEVERAL ACCOUNTS THAT I DO NOT RECALL DOING BUSINESS WITH THE FOLLOWING COMPANIES XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX/XXXX # XXXX, XXXX XXXX # XXXX, I HAVE FILED A REPORT WITH THE FTC AND CFPB.
Product: Debt collection

XXXX : Contacted my Employer. Spoke with an associate at my place of work and ask d them to verify my home address and then to speak to me. I told them this is a place of business, and I am not permitted to take personal phone calls and to not contact me at my place of work again. They told me, Okay, well we will do what we have to do! As if to threaten me. 
XXXX : They called my employer yet again, even though I told them not to. They spoke with an associate, as I was not at work that day. An associate at my work took a message and their name and number and said they were really rude and persisted to speak with me. The associate looked up the call back number they gave her, and found that it was a debt collector. 
XXXX : They called my employer yet again, but this time it was a recording, letting an associate at my place of work know they were trying to contact me as a debt collector.
Product: Checking or savings account

On XXXX and XX/XX/year> there were transactions in my account that were not mine, I call and dispute the transactions for a total of {$1300.00}. 
They credit back the money on XX/XX/year> and on XX/XX/year> they removed the credit but told me I have the right to request proper documentation, which I have been requesting many times, because those transactions are not mine, I have never been in California. They refund me {$240.00} and send me documentation for 3 little transactions that total {$50.00} I have wrote letters and made phone calls, over the phone they said my case is under investigation and on the letters never send me the support documentation, because I know those are not my transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion deleted the inquires on my credit report. Later TransUnion added the same inquires back on my credit report without giving written not ice five days prior to them re-adding them. I contacted TransUnion in good faith to ask them to  delete the inquiries that they had illegally readded them. I spoke to  XXXX  ( will not give me a employ ee ID or last name ) on  XX/XX/XXXX  a  ro und   XXXX   and she refused to do anything about it. I explained that I know TransUnion ha d two co mputer glitches, and also that I know my consumer rights. She said nothing can be done.     XXXX / XXXX  -      XX/XX/XXXX     XXXX  -  XX/XX/XXXX   XXXX  - XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX  I was denied a car loan bcz of collections on my report. I knew nothing of this. Noticed 3 unfamiliar single family addresses listed on my report. My report was/always supposed to be FROZEN. One I noticed back in XXXX was an address listed as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Soon after I receive a call from the FBI XXXX XXXX division stating someone was trying to use 2 old credit cards of mine tht were closed. So we made a report to Victims Identity Fraud and received a victims id # to report anything else suspicious. As well as reported it to the FBI XXXX division which is where I live and have lived in the state of GA since the age of XXXX. Then again in XXXX I noticed another wrong/unknown address on my report. An address listed as XXXX XXXX XXXX XXXX MICHIGAN. Once again I disputed it, it was removed from my credit report. Then shortly after I receive the first collections notice ever in my XXXX of life stating I owe a company in MICHIGAN over {$10000.00} in past due payments for rent. So after that I see yet another wrong/unknown address on my report as XXXX XXXX XXXX XXXX XXXX MICHIGAN XXXX Then I receive yet another collections agency stating I owed " XXXX XXXX '' over {$17000.00}?! THen yet again another collections agency stating I owed a XXXX XXXX yet Again in MICHIGAN almost {$800.00} in past due bills. I've ever done business nor have I ever lived in the state of MICHIGAN. How are you gon na deal with this TRANSUNION?!
Product: Debt collection

I was contacted by a company called XXXX  XXXX XXXX on the evening of Wednesday, XX/XX/XXXX. They had most of my information already, my name, the last 4 of my social, my birthdate, everything. They claimed to be a partner of the Federal Government, and claimed that under an education rider on the ACA act, they could pay off most of my student loans and take over completely from my loan provider, then I would pay them a decreased amount from my current payment. I fell for it stupidly, gave them my social, and suddenly all my student loan account information had been changed and I was getting notices from Navient and XXXX  about all of it. All the research I did indicated they lied about several things, they were not a legit company, and they were scamming me.
Product: Debt collection

Back in XX/XX/XXXX company responded to complaint and said they would have item deleted off credit reports it has yet to be submitted to credit bureaus as I have already called and verified this with the bureaus. 

See attached documentation ... 

The only proof that they have supplied is statements from original creditor which is not Validation of a debt owed