23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I applied for a mortgage on XXXX XXXX XXXX after having an offer accepted to buy a townehome at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX. The amount settled on was XXXX with 5 % down and a loan of XXXX. At the time, I had XXXX in savings and XXXX in a joint savings. I used XXXX for earnest money, and XXXX was transferred to my personal savings for a down payment. With XXXX I still would need about XXXX for a down payment, which I knew I would get with my yearly bonus of about XXXX plus my tax return, XXXX, and XXXX fed and state, sale of stock, XXXX. Plus about XXXX more from bi-weekly savings over XXXX pay periods. 
However, I was concerned my bonus and/or taxes would not be available by the time of closing at XXXX XXXX and I could not talk the seller into closing on a later date, so I asked my dad for a loan. The very first time I ever borrowed money from any relative. I asked my dad for a loan of XXXX to cover closing in case I did not have enough by XXXX XXXX. 
My dad said, why do n't we make it XXXX? I think he just wanted to help. I did n't need XXXX, but I have to admit, it would be nice to have a little extra for the first year of home ownership. So I agreed to take XXXX and pay it back within 40 months plus XXXX. 

Now Security National is trying to make me write it up as a gift so they can cover their butt for lack of a better term. Apparently I ca n't take a low interest loan from my parent even when my debt to income ratio is way under the loan payment. Mortgage companies have no problem giving me a loan up to 43 % of my earnings, which I could n't afford, but will not accept the fact that my dad loaned me XXXX. 

Of the XXXX I borrowed from my dad, XXXX was invested in XXXX stock and XXXX invested in XXXX XXXX, XXXX XXXX loans. The other XXXX is sitting in my savings. I plan on using XXXX for moving, furniture, window treatments etc.. and the rest use to pay back my dad. But Security National says I can not count the money I put in XXXX or XXXX as money for a down payment OR the money on loan from my dad rendering it useless. If that is the case, then I will not have enough money allocated for a down payment, even though I have more than enough money for a down payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have paperwork from Equifax that says that they VERIFIED a bankruptcy from XXXX. Well I have paperwork from XXXX that shows NO bankruptcy on my file. On the page, where it states public records or bankruptcy, there is nothing. The area is blank. So Equifax has LIED to me about verification of this and claimed they got their info from XXXX. This is false and I have the paper from Equifax and the screenshot of page XXXX of my XXXX page XXXX file. I am requesting this be fixed and the bankruptcy be removed from my Equifax credit report immediately. Also I've never been to an XXXX XXXX XXXX House or ever lived closer than 3.5hrs away. I have paperwork from Equifax that says that they VERIFIED a bankruptcy from XXXX. Well I have paperwork from XXXX that shows NO bankruptcy on my file. On the page, where it states public records or bankruptcy, there is nothing. The area is blank. So Equifax has LIED to me about verification of this and claimed they got their info from XXXX. This is false and I have the paper from Equifax and the screenshot of page XXXX of my XXXX page XXXX file. I am requesting this be fixed and the bankruptcy be removed from my Equifax credit report immediately. Also I've never been to an XXXX XXXX XXXX House or ever lived closer than 3.5hrs away.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA XXXX, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of XXXX XXXX XXXX  stress which is impacting my ability to XXXX, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a derogatory remark on my credit report that involves a tax lien that has been released. The tax lien was reported to the credit reporting company in XX/XX/XXXX. The lien was resolved and released through the filing of a previously missed tax return several years ago. The credit reporting company shows the lien as released but the derogatory remark regarding it remains on my credit report as of today, XX/XX/XXXX. I lodged a dispute with Equifax earlier this year but I have not heard back from them. I have not lodged a dispute with XXXX, believing the derogatory remark would be removed due to its age. However, the derogatory remark remains on both credit reporting reports.
Product: Mortgage

I have repeatedly found Shellpoint aka XXXX XXXX to be very difficult to work with. Their agents clearly do NOT intend to help a customer when I call in and are very antagonistic over the phone. They make every time I call in ALL ABOUT THEM. They refuse to answer questions or follow through on requests for information. I can never get an explanation as to WHY they are repeatedly holding my payments " in suspense '', not giving me credit for them and always adding additional large amounts onto my accounts with NO explanation. This XXXX XXXX is a SCAM and they make SURE that you NEVER get out of debt to them. In the XXXX that I have had this loan, on my small home, ONLY {$5300.00} have been applied to the PRINCIPAL. I paid {$88000.00}, for my small home and my balance is still {$82000.00}. This is FRAUD. For example, The XXXX XXXX, dated XX/XX/XXXX the payment amount they CLAIMED that I owed was {$1400.00}. I called XX/XX/XXXX and questioned this as ALL of that had been PAID in full, even though I was given NO EXPLANATION as to WHY this large amount was demanded. Now, the XX/XX/XXXX Statement, received XX/XX/XXXX, is demanding {$1000.00} for XX/XX/XXXX. I called XX/XX/XXXX and asked agent " XXXX '' WHY this large amount was on my account, again. I was NOT given ANY answers. Agent just wanted to argue and degrade me. I also requested a PAYOFF PACKET on XX/XX/XXXX when I called and the male agent just kept on arguing and degrading me. I can't bear to deal with these hateful agents anymore and plan to get rid of this, once and for all, by paying it off. The male agent got MAD, because they will NO LONGER be able to ABUSE MY ACCOUNT, once I take it away from SHELLPOINT. They are unbearable to deal with and just want to harass and abuse customers. They do NOT want to answer questions and have NEVER been helpful nor offered ANY helpful information that I requested. They make every time I call, ALL ABOUT THEM ; NOT helping the customer. They are NOT applying my payments, holding them in SUSPENSE, in order to run up interest on my account, and they keep on adding on MORE LARGE AMOUNTS, due MONTHLY, with NO honest explanation. This has been going on since XX/XX/XXXX. This XX/XX/XXXX statement claims that I have a " Past Unpaid Payment '' of {$420.00}. I do NOT have ANY unpaid payment. {$420.00} USED to be my monthly payment but XXXX RAISED it to {$660.00}. HOW is it that on XX/XX/XXXX when I called, my account was UP-TO-DATE, and now they are demanding a {$660.00} payment AND a {$420.00} payment???????????? I could NOT get answers to that ; just arguing. Does XXXX train their " agents ''??? I don't think so and they certainly don't teach them to be helpful nor respectful. WHY am I being demanded to make TWO MORTGAGE PAYMENTS -- the new amount of {$660.00} and the old amount of {$420.00}????????? This SHELLPOINT SERVICING is a SCAM. They make SURE you NEVER get your loan PAID DOWN and I am FED UP.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX  XXXX XXXX XXXX XXXX SAW YEARS AGO THAT SOMEBODY MADE/OPENED A C4EDIT CARD WITHOUT MY PERMISSION. TO MAKE TBHIS SHORT I S3NT A NORTERIZED, REHISTETED. AND MY LAW FIRM GAVE ME SECTION 609 AND 625 OF THE FAIR CTEDOT REPORTING AGENCY WHICH GOVES THEM 30 DAYS TO PROVE I SOGNED FOR CARD, WAS AWAIR OF CATD AND CHARGES MADE WITH MY SIGNATURE BIT ION ONE MONTH THEY TELEASED XXXX CASH TO A THIEF. THEY TRICKED ME AFYER GETTING BACK FROM XXXX XXXX PROGRAM WETE I WAS DURINHG THOS WHOLE SOTUATOON WHICH I S3NT TJEM PROOF. I SENT THEM DATES I WAS XXXX AND POLICE REPORTS AND CONYRACY OF SECYOON 609 AND 625 OF FCTA THAT GAVE THEM 30 DAYS. I GAVE THEM 3 MONTHS NOW WITH REGISTERED MAIL RECIEPTS AND NOTETIZED LETTETS. I ALSO SENT TO EACH CREDUT AGENCY BUT THEY PREFER ME TO HAVE TO PAY LAWYET TO SUE AND WHEN FOUND THEY WETE WRONG THEY COULD DELAY FOR YEARS. MY RETAINET WITH XXXX XXXX XXXX HAS XXXX DOLLAR RETAINET BUT THOS IS 4 YEARS IBTO THIS AND 7SAA HAS BROKEN LAW. MY LAWYER TOLD ME THAT WITH ALL THE INFO. FROM FCRA AND SECTION 609 AND 625 WERE NOT MET, O DO N'T NEED LAWYER. YHESE GUYS ARE SO AGAINST WAR HEROS IT MAKES ME SICK HOW THEY SAY THEY WORK FOR OUR 1 % OF AMERICA. I WAS IN XXXX, IN, XXXX AND XXXX. ALL WITH HONORABLE DISCHARGES AND HAVE DOD IS THAT BASOCALLY SAYS I AM IN MILITARY TILL DAY I XXXX  BECAUSE OF XXXX XXXX, XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX THAT XXXX  TOP XXXX. THIS COMPANY IS NOT BEING A LEGAL BANK. AFTER 30 DAYS OF MY REWUEST THEY SHOULD HAVE TAKEN OFF C5 EDIRT REPORY AND APOLOGIZED. I EVEN SRNT THEN LETTER FROM XXXX IF THEY CAN BREAK THE LAW AND MAKE ME KOOSE EVERYTHING I WORKED FOR BECAUSE THEY ARE HARD HEADRD COMPANY THAT ALLREADY WROTE THOS THEFT OFF. THEY SAY THEY TALKED TO ME DURING THIS CASH WITHDRAW WHEN IN LICKED DOWN XXXX XXXX PROGRAM US JUST FUNNY AND DAD. THEY NEED TO DO WHAT FEDETAL PAW SAUS WITH ALL THE REGISTETED, NOTTERIZED, POLICE RSPORY AND LETYETS SHOWING I WAS IN XXXX PROHRAM. TJIS AS FRAUD AND THEY ALREADY WROTE OFF ON TAXES BUT STILL GIVING ME RTROUBLE. IF I TAKE MY LIFE SAVINGS AND THEY LOOSE AND HOLD MY MONEY FOR DIFFETENT WAYS THEY CAN HOLD MY CADH FOR YEARS UP9N YEARS. I WILL BLOW. ALL THEY NEED TO DO IS KNOW I SENT THEM 609 AND 625 MONTHS, AGO 3 TOMES AND TJEY JUST LAUFGJED AT ME BECAUSE 9F GRAMMAR FROM XXXX XXXX. THIS WAS FRAUD AND THEY ARE NOW BTEAKING FEDERAL LAW. I HOPE I DO N'T VECOME HOMELESD BECAUSE OF THIS BIG COMPANIES DONALD TRUMP SAYS WE ATE MAKING BILLIPNS FOR. I MEAN HIS XXXX SPEECH SAYING VETS AND MILITARY ARE MAKING BANKING INDUSTRY UNTOUCHABLE. WELL HE WAS N'T XXXX IN XXXX AND XXXX AND IN AND XXXX. ALL I WO N'T IS XXXX XXXX XXXX TO GO BY FEDERAL LA3 AND TAKE THIS OFF C4RDIT JUST BECAUSE 9F 609 AND 625 I SENT. 

GOD BLESS AMERICA AND IF I BECOME HOMELESS OVER C4EDIT F4AUD AND IT IS THIS BIG BANK? WOW.
Product: Credit reporting or other personal consumer reports

Follow up on Report Number XXXX Request for Explanation of Procedures Used to Verify Late Payments 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Dear Experian, I am writing to request clarification regarding the investigation process you followed to determine the accuracy of the late payments reported on my credit report, specifically under Acc # XXXX XXXX  - XX/XX/year> 60days. Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act, you are required to conduct a reasonable investigation when a consumer disputes information on their report. As part of this investigation, I would like a detailed explanation of the procedures used to verify the accuracy of the late payment information provided by the creditor and how the decision was reached. 
Please provide me with the following : 1. A description of the steps taken to verify the accuracy of the late payment information.

2. The sources and records you consulted during your investigation.

3. The criteria used to determine the information was accurate or reliable.

I request that you provide this information in accordance with your obligations under the Fair Credit Reporting Act.

Thank you for your attention to this matter. I look forward to your response.
Product: Debt collection

On XX/XX/XXXX Transworld Systems INC reported the below listed fraudulent account on my credit reports. I was never notified of my right to dispute this account which is a violation of 15 USC 1692g ( a ), by reporting this false information on my credit reports you have violate 15 USC 1692e ( 8 ). I filed a complaint through the CFPB in reference to this debt on XX/XX/XXXX and attached an FTC report. 15 USC 1681c-2 ( a ) states that you shall block the reporting of any information in a consumers file that the consumer identifies as resulting from identity theft NO LATER than 4 business days after the receipt of that notification. I have also attached the police report filed in XXXX of XXXX when this account was initially reported. If this information is not blocked from my credit reports by tomorrow, I will be filling suit against Transworld Systems INC for violations of the FDCPA & FCRA. You are the entity who reported this fraudulent information & you have the ability to IMMEDIATELY remove it. 

This is my last notice before filing suit. The police report is attached. Youve been notified several times that this alleged debt is fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

There saying this has been verified? However this company clearly sent me paperwork with a blank and unknown patient signature. This account could be related to fraud, it is not my signature and is unknown too me. So how are they truly verifying this account? I have included a copy of an FTC report as well. 
XXXX XXXX XXXX  Account Number:XXXX {$20000.00} Please remove this item from my credit report immediately. 

REPORTING INCORRECT BALANCE, Proof in documents attached. 
XXXX XXXX Account Number : XXXX BALANCE REPORTED BY XXXX : {$1700.00} BALANCE REPORTED BY CREDITOR : {$1600.00} Please remove this item from my credit report immediately. 

The following creditor agreed the account was paid as agreed, the creditor also stated they could find no evidence of late payments on my account. 
XXXX XXXX Account Number : XXXX Please update the late payments to paid as agreed.
Product: Credit card

XX/XX/XXXX : received fraudulent cash app credit card made under a previous legal name that I haven't used in 10 years. 
XX/XX/XXXX : opened case # XXXX over the phone to have card closed and charges removed, did not receive a follow up email XX/XX/XXXX : called XXXX 3 times to speak with fraud department. Was hung up on 3 times because I was unable to verify the account- it was made with a different phone $ and/or email account than my own. I was able to find out that a charge was made to the account on XX/XX/XXXX ( after I had already called to report the fraudulent account )
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and XXXX Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 

XXXX XXXX XXXX XXXX Balance Owed : {$4100.00} XXXX XXXX XXXX XXXX Balance Owed : {$7300.00}
Product: Debt or credit management

Balance reverse from Bank of America checking account XXXX XXXX XX/XX/XXXX 2 times 2.XXXX  XXXX XXXX XXXX two times XXXX XX/XX/XXXX overcharge 3.unknown charge anything after XXXX XX/XX/XXXX anything it said agent assisted payment i dont recognize the amount XXXX XXXX XXXX cash XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX agent assisted XXXX dollar XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX dollar agent assisted Credit card end XXXX and XXXX have a lot issues .all cash advance fee charge more than 2 year am not sure but few here XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Theres transactions said XXXX  sch payment not recognized XXXX XXXX XXXX dollar card XXXX and XXXX XXXX XXXX XXXX XXXX XXXX card XXXX 3.double charge aldezz XXXX XXXX XXXX bank charge overdraft fee over charge bank XXXX XX/XX/XXXX = {$34.00} 6 times charge but refund and reverse back and refund again back and forth 2.Busines account take money XXXX dollar deposit on checking account reverse and return back money to business account XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XXXX. XXXX XX/XX/XXXX from business to checking = {$50.00}, {$100.00}, {$100.00} and XXXX XX/XX/XXXX = {$100.00}, {$200.00} XXXX XX/XX/XXXX from checking to Busines account XXXX XXXX Business account monthly fee over charge XXXX two times reverse and return back the money to bank XX/XX/XXXX and XXXX XX/XX/XXXX XXXX XXXX & XX/XX/XXXX transfer from Busines to checking account 2 times XXXX and XXXX XXXX XXXX XX/XX/XXXX = {$50.00} XXXX. XXXX 2 times charge {$500.00} and XXXX XXXX XX/XX/XXXX = from Busines to checking {$70.00}, {$150.00}, {$400.00} XX/XX/XXXX and XX/XX/XXXX {$200.00}, {$50.00}, {$100.00}
Product: Mortgage

In reference to complaint XXXX In my previous complaint I explained My name is XXXX XXXX I have a mortgage with M & T Bank XXXX I recently had problems with the property tax where the house was built on 3, 25ft lots and the 3rd lot wasn't properly merged by the city with lots 1 & 2. Lot 3 was sold for tax proceeds without my knowledge. M & T provided a lawyer since they also had interest in maintaining the property, to assist with resolving the problem. The tax bill was XXXX ( including interest and additional fees ). I recently found out I am being charged XXXX for and attorney 's fee and my mortgage has changed from {$400.00} monthly to {$1700.00}. M & T is also charging me {>= $1,000,000} in addition to the above amounts as a recoverable corporate advance. I have talked to them asking them to provide a fair bill but this is excessive and well beyond the amount of the taxes or attorneys fees. Please help me. I am a XXXX XXXX XXXX widow on a fixed income and I think they are trying to take my home with excessive fees beyond my income. I have not missed a mortgage payment, I have always paid my taxes until I became exempt I can not loose my home. 

They still havent detailed why I am being charged XXXX that is separate from the legal fees. They lowered my payments to XXXX but thats still XXXX more than what I was paying and again Im on a fixed income and XXXX XXXX XXXX. Please help. They are trying to take my home my making it unaffordable.
Product: Credit reporting or other personal consumer reports

As per the guidance of the Consumer Financial Protection Bureau ( CFPB ) the document needed and letter from and advocacy group helping me due XXXXXXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX XXXX FINAL RULE 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you block this information within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXXXXXX and would like for all listed to be blocked and deleted company information. Transunion please delete the following accounts 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

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were 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 relating to any transaction by the consumer. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate and questionable items that the 3 credit reporting agencies didnt make sure it was reporting 100 % correct. 
Im accordance with the FCRA, everything has to be 100 % accurate to be on my credit report. 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681 ( 5 ) states that these accounts are in violation of not reporting 100 % accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

sent the police report and cra violation of inaccurate information XXXX XXXX XXXX XXXX XXXX experian and XXXX XXXX XXXX XXXX XXXX XXXX XXXX not mine
Product: Credit card or prepaid card

THIS IS NOT A DUPLICATE Chase charged me {$120.00} on XX/XX/XXXX. Till date, XXXX the vendor who was supposed to get this payment has not received it. I spoke to their Billing dept yesterday. 

I called Chase and they want the Vendor to call their Bank. 

This is ridiculous and has happened first time in 30+ years since I have used a credit card. Chase charged me and need to pay the Vendor. If the Vendor does not get it, I need refund back. Why should my vendor call their Bank?
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, and I am submitting this complaint to you today to inform you I was a victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of accounts and information which do not belong to me or were opened without my permission : Medical ( Original Creditor : ) XXXX Balance : {$39.00} Medical ( Original Creditor : ) XXXX Balance : {$23.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. 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 the identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive attempted several times with Experian to update my current address and only that address. Ive provided proper identification and certain information remains on my credit report.