23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I attended a private event in XXXX and my belongings were stolen including my social security card and driver 's license. Myself along with the other guests reported the incident to local authorities on site. I recently obtained a copy of my credit report and noticed accounts with XXXX and XXXX, that I've never applied for or authorized. I contacted the credit reporting agencies in XX/XX/XXXX, notifying them of the identity theft and requesting verification. 
Furnishing accounts to my report in direct relation to identity theft is in violation of 15 USC 1681c-2. 

I've sent two letters requesting an update and verification with no formal response. I also noticed credit inquiries on my report that I have not authorized. Furnishing information to my profile without my written consent or permission is in violation of 15 USC 1681. These inquiries I have no knowledge of include : XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX After further investigation of my profile, I noticed addresses listed where I've never lived. With me having a common name this is affecting my credit and ability to obtain credit. I've also requested for these previous addresses to be removed, and only report my current address.
Product: Mortgage

Upon my fathers death in XXXX, I tried to purchase his home out of the reverse mortgage that he had on the home at this time. The reverse mortgage was held by HUD and managed by XXXX. Upon his death, I mailed proper documents to proceed with a family sale, including a letter of intent to purchase the home, my fathers will, and an affidavit of heir ship ( that they requested ) in place of a probated estate. I was unable to probate the estate because of the reverse mortgage that was held against his property. They informed me an affidavit of heirship was all they needed to sell the home to me. I tried to contact XXXX. I was never assigned specific caseworker, I was only given a XXXX XXXX number to call and each time I would speak to a different person, The people I spoke to would never give me an extension to speak to them again directly if I called nor did I ever receive an email address to contact them. I requested an appraisal because I was told that I could pay the balance of the loan or 95 % of the appraised value in a short sale, I never received this information and never once received phone calls, emails or letters from XXXX once requested. I did receive a letter of intent to foreclose in XXXX and then the process started all over again again not ever being contacted by anyone at XXXX when requested. In the fall of XXXX, I couldnt even reach them directly via the number that I had, it was routed to a HUD call center, and they in turn said they would contact XXXX to contact me and they never did. XXXX to XXXX and CompuLink is now servicing this loan. They asked me if I was interested in purchasing the home still which I said yes but I wanted compensation for all the time that is past I have been maintaining this home in my fathers name with my own personal money. I do not think its fair that I pay the loan payoff at this time because I had the right to purchase it right after his death. The foreclosure specialist that I spoke with said that they would take that into consideration and she forward me to a family sales specialist, the specialist said that I would have to request a payoff which I did and that because I was my fathers heir I should just pay off the loan and then go through the court system to get the home in my name. He never gave me instruction or offered a price for a family sale after I was told that I had that option once again. XXXX XXXX years have passed and now I have received a letter of an intent to foreclose and accelerate the loan if it is not paid in full. I still would like to purchase this home. It has been my home and primary residence for the majority of my life.
Product: Mortgage

Just prior to having our mortgage turned over to Mr. Cooper/ Rushmore Servicing we paid our previous loan holder an estimated escrow shortage of {$640.00} in full. The escrow analysis indicated that we must have {$2500.00} in the escrow account upon transfer and exactly that amount was reflected on both the Mr. Cooper/ Rushmore Servicing website and our first payment statement. We paid the {$640.00} escrow shortage in full to avoid an additional {$53.00} being added to our monthly payment but yep, you guessed it. Even with the escrow account being in good standing the company insists that the extra {$53.00} is due on monthly basis. Long story short we refuse to pay for an escrow shortage that doesn't exist and have paid by check with correspondence and documentation as to why our payment didn't reflect the amount shown on the statement, along with repeated requests they adjust our escrow payment to the amount shown due in our escrow analysis. They refuse, and yesterday, with absolutely no warning, Mr. Cooper / Rushmore Servicing " unapplied '' all the payments we've paid, {$3400.00} to be exact, and are now showing our account as 60 days past due. We're talking a total of {$130.00} that's in dispute at this point. A dispute that never would have happened had they simply looked at their own records and corrected their mistake. We wish you good luck if you're ever unfortunate enough to have to deal with this outfit.
Product: Credit reporting or other personal consumer reports

I am writing to dispute and request an update to my personal information in your records. I recently obtained a copy of my credit report and discovered that some of the personal information listed is inaccurate or outdated. I kindly request that you investigate and make the necessary updates to ensure the accuracy and integrity of my credit profile. 

Please find below the specific details of the incorrect or outdated information : 1. Name : My current legal name is XXXX XXXX, but it is listed incorrectly on my credit report as XXXX XXXX XXXX request that my name be updated to reflect the correct information. 

2. Date of Birth : The date listed on my credit report, XXXX is listed incorrectly. I request that my Date of Birth, XX/XX/year>, be updated. 

I have enclosed copies of supporting documents to verify the accurate information provided above. The documents include : A copy of my driver 's license and social displaying my correct name and Date Of Birth.
Product: Other financial service

On XXXX XXXX I called Apple Law firm to help me with my debt problem. A friend gave me a number to call that she saw in a t.v advertisement. So I called and got set up. Signed contract and supplied creditors information, a Notary lady came to my house to sign papers. It was until recently I applied for a car loan and found out that all my credit accounts were in bad standing and on my credit report. I called the office and cancelled contract using XXXX as a way out. I sent a cancellation XXXX by fax, email and talked to office manager XXXX XXXX to cancel. I was not happy with service. I requested a refund for my money back and they customer service email account replied it can take XXXX. Copy of email in attachment ). 
Well that was 5mos ago. So I reported to XXXX XXXX, They sent XXXX correspondences within 4weeks on my behalf with no reply. Case closed. So now I am sending all my information in an attachment regarding emails, contract, and other notices. 
I even suspect Apple Law firm scammed IRS. I had my identity stolen and someone filed XXXX taxes using my social security number that I reported to Apple Law group on XXXX XXXX, XXXX XXXX XXXX XXXX who said she 'd make a note of it, Also, that creditors were still calling, harassing me at home calling multiply times a day. I have phone records to prove that.regarding my late accounts. .Apple Law group has never supplied me with any name of attorney they worked under even though it says in contract, business license, or tax id number. Only have spoken to " XXXX '', " XXXX '' possibly same person and Once to the Manager XXXX XXXX who I had to talk with regarding closing my account-contract. I NEVER received information on pending accounts or work done on my behalf. They received {$390.00} per month from my checking account. XXXX XXXX, I sent copy of sent XXXX statement with my address, and was told to change address with the New Address- Apple Law group XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, California XXXX. Its in the contract. On XXXX XXXX, XXXX XXXX creditor called me to offer me a settlement on my account. I started to get suspicious but continued working with Apple Law. 
I 've been scammed. 
.
Product: Vehicle loan or lease

Bank of the West XXXX XXXX XXXX Acct No. XXXX Payed off XX/XX/2021 Amount overpaid {$460.00}, XX/XX/2021 XX/XX/2021, Personally visited bank. Confirmed address and were told a check would be sent. 
XX/XX/2021 Via phone confirmed check was mailed. Address they used was in question so we were told that they would reissue check. 
XX/XX/2021, XX/XX/2021 and XX/XX/2021. Confirmed details said they would mail. 
XX/XX/2021, called again seems the results are always the same. Address was wrong AGAIN, and we confirmed address once again. 
We still have not received the money.
Product: Mortgage

Company was part of a ransomware hack in early XXXX. as of XX/XX/XXXX, they have yet to communicate to their customers that this happened. I had to find out through chat boards of this event when XXXX why i couldnt log into my account or why the site was done. the company sent an email XX/XX/XXXX that the site was back up and running. for the last two days, it has contstant error messages and you can not navigate anywhere. It shows that i made a payment ( when i never did or got a confirmation ) and when you call the customer service line, they have it turned off so that you can not communicate with anyone. I have had to call my bank and put a block on lakeview from withdrawing any money as i dont know how many times they will deduct funds since while trying to pay, the site kept crashing. You would think a company would reach out and tell its customers that their personal information is now all over the internet but no, they want to remain silent and then make it impossible for us to pay our bill.
Product: Debt collection

I received several harassing phone calls as have my family and my employer. I contacted them to ascertain and ask for actual information to be sent via mail to my home to be sure the charge/debt is legitimate. They became hostile and refused to provide any information and about the actual debt owed. They then started to call and harass both my siblings along with calling me at work and calling my past employer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Recent reports from the Consumer Financial Protection Bureau ( CFPB ) indicate that Equifax has failed to properly investigate consumer disputes. A lawsuit has even been filed against Equifax for violating consumer protection laws by not complying with the Fair Credit Reporting Act ( FCRA ). 

Under federal law ( 15 U.S.C. 1681i ), Equifax is required to thoroughly reinvestigate disputed items within 30 days and remove any information that is inaccurate, incomplete, or unverifiable. Ignoring this obligation is a direct violation of my rights. 

I am disputing the following negative items, which I strongly believe may be linked to a data breach : XXXX  - XXXX - {$460.00} I have already provided supporting documentation multiple times, yet these errors persist. The lack of corrective action has caused me financial harm and unnecessary distress. 

I have a legal right to an accurate credit report, and I expect these items to be properly investigated and removed immediately.
Product: Credit reporting or other personal consumer reports

I filed complaints with several companies about reporting in accurate information as a result of identity theft, with your agency.
Product: Debt collection

I received a second notice from XXXX  stating an account was sold to them XX/XX/2022 and the new owner is XXXX XXXX XXXX I previously sent a letter requesting validation of the alleged debt which : According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract on all accounts and they did no such thing I am now receiving harassing mail and email I requested them to cease and desist ALL communication from me! and they have violated my request. First and foremost, it is illegal for a collection agency to buy up a debt and assume that the debt is yours without a consumers written consent. YOU have failed to validate the alleged debt which you are in violation of my rights per the FCRA for falsely reporting unvalidated information on my credit file. I am requesting a COPY of the alleged original consumer contract SIGNED by me unless you can provide the requested documentation you are violating my rights as a consumer. A statement is not a debt validation you are in validation of my consumer rights. Pursuant to the Fair Debt Collection Practices Act, STOP communicating with me regarding the above-referenced accounts.
Product: Credit reporting or other personal consumer reports

I have paid my debt of {$460.00} and it is still on my XXXX XXXX  as my debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the XXXX credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2023 ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires them to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are refusing to remove a collection that's reporting on my credit report. I have no relationship with XXXX XXXX XXXX and the balance was paid with the original creditor, hence why the account reports a XXXX balance, so I am confused as to why they are still reporting this account. I have sent all 3 credit reporting agencies proof and XXXX is the only credit bureau that removed the account. I do not believe that XXXX or Transunion conducted an investigation into the inaccuracy of this account therefore I am reporting this to the CFPB, XXXX, and the attorney general. Transunion also reports that no payments have been made on the account when the account has no balance. Please tell me how this meets FCRA guidelines? I am requesting that XXXX and Transunion follow suit and remove this account from my credit report, or I will be seeking compensation per violation. Please see attached credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. XXXX XXXX, XXXX Account # XXXX, and XXXX XXXX XXXX XXXX Account # 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
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX Ive sent disputes regarding unknown and inaccurate accounts but it's over 30 days today I haven't received a response. I was a victim of Equifax data breach. I demand to remove those accounts from my credit report or I will file litigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been reaching out to TransUnion, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. I haven't heard any response from TransUnion and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the items they failed to verify : XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$8.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$520.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXXXXXX XXXX Date of inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureau report XXXX XXXX late on my credit report. I was never late. I pay on time
Product: Credit reporting or other personal consumer reports

XXXX XXXX  via XXXXXXXX XXXX continue to report a past due balance on an account that has been closed, disputed, sent to collection then disputed in court where the creditor and their collection company were not able to correctly support the alleged debt owed and therefore agreed to drop the case and end all collection efforts and delete all reported information. XXXX XXXXXXXX XXXX are failing to uphold the agreed upon settlement that was worked out between my attorney and theirs- the collection companys attorney on behalf of the creditor. I request all data be removed from my credit reports as it relates to the falsely alleged debt as agreed upon in court. Signed documentation is available to support this claim and request.
Product: Credit reporting or other personal consumer reports

Dear TransUnion Consumer Relations, I am following up regarding my fraud block request related to XXXXXXXX XXXX I appreciate your investigation, but I would like further clarification on your decision. 

Verification Proof : You have not provided any documentation or verification proving that this account is legitimately associated with me. Please provide the specific verification details used in your investigation. 

Account Specificity : You did not specify which XXXXXXXX XXXX account you are referring to. I am listed as an authorized user on a XXXXXXXX XXXX  account opened on XX/XX/year>, with a {$5000.00} credit limit ; however, this is not my account. 

FCRA Compliance : As per the Fair Credit Reporting Act ( FCRA ), I request the exact reason why this account can not be blocked and demand supporting documentation used to reach this conclusion.
Product: Mortgage

I am attempting to assume the mortgage for my home following my divorce. I submitted a mortgage assumption request to maintain the existing loan terms. Amerihome Mortgage denied my request due to insufficient income. Despite repeated inquiries, they declined to specify the required income level. 

The original mortgage was for {$200000.00}, and I was pre-approved for {$380000.00}. While my wife contributed less than {$5000.00} to our annual income that year, I earned {$94000.00}. My current income is {$110000.00}. On two separate occasions, operators assured me someone would contact me with further explanation, but no communication has been received after almost two months.
Product: Credit reporting or other personal consumer reports

on XXXX, i sent all XXXX CRA 's ( transunion, equifax, and experian ) a dispute letter concerning the reporting of inaccurate reporting on my credit report that never gotten deleted, as well as inaccurate personal information, and unverified inquires that are in violation of 15 usc 1681b. this is causing me harm and denials from buying a home with my credit and missing time from work from stressing.i request that the inaccurate information be deleted from my credit report