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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Equifax Information Services XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Subject : Request for Account Blocking and Deletion Due to Data Breach Pursuant to 15 USC 1681c-2 ( a ) Dear Sir/Madam, I am writing to formally notify Equifax that I am a victim of the recent data breach involving your company. As a result of this breach, I request that all accounts associated with my personal information, which may have been compromised, be immediately blocked and deleted from my credit report, pursuant to 15 USC 1681c-2 ( a ) of the Fair Credit Reporting Act ( FCRA ).

Under 15 USC 1681c-2 ( a ), individuals affected by data breaches are entitled to have fraudulent or compromised accounts blocked and removed from their credit reports to protect their financial identity. Given that my personal information has been exposed, I am requesting that all accounts associated with my name, Social Security number, and other identifying information be removed. 
Please find attached a copy of my government-issued ID, proof of address, and any additional documents required for verification. I request that you conduct a thorough investigation of my credit file and block or delete any accounts or items related to fraudulent or unauthorized activity resulting from the breach. 
I kindly ask that you confirm the actions taken on my behalf and provide a copy of the updated credit report once the necessary corrections have been made. Please contact me at XXXX or via email at XXXX if you require any additional information or documentation to process this request. 
Thank you for your immediate attention to this serious matter. I trust that you will act promptly to protect my identity and ensure that no further fraudulent activity is reported on my credit file. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX XXXX. Equifax has refused to remove the XXXX account XXXX that is a direct result of XXXX  Equifax is refusing to remove the XXXX XXXX account XXXX and asking for more documentation. I have sent it in several documents supporting my case and they continue to ask for something more. Even though they removed the accounts that are a result of XXXX  prior, and the XXXX other credit reporting agencies have removed the XXXX account This has been going on since XXXX, my XXXX and I were told by Equifax we can not report a XXXX  claim through the CFPB, they told us it would be immediately dismissed and they would not process the dispute. After calling the CFPB, I found out that is lie I was told my documents are not vailed, nor accepted which makes no sense because Equifax accepted and removed the other accounts with the exact same docs from the exact XXXX. Even after they spoke to my XXXX they said I was not a XXXX XXXX I am frustrated and upset, reliving over and over just trying to get XXXX last account off my credit report Under the law the required documentation is defined as identity docs, determination letter, XXXX  statement I have sent these docs as well as police reports, court docs, and more. 
Please help make this company follow law
Product: Mortgage

On XX/XX/XXXX, my wife and I brought an insurance check issued to replace the roof on our home to Citizens Bank for endorsement as they had been named on the check in addition to my wife and me. 

The branch representative explained they could not endorse the check, but she would send it to the " back office '' for processing. We gave her the check as well as copies of the insurance company 's claim approval letter, their adjuster 's estimate showing the same amount as the check and a copy of our signed work order with a well-established area roofing company that we 've engaged to do the repair. She explained the back office would get our check and documents no later than XXXX,XX/XX/XXXX, and we could expect the check back in a few days. 

All of that sounded reasonable. Everything since has been nothing of the sort. As of XXXX, XX/XX/XXXX, we still do not have the check, much less a specific promise from the bank as to when we 'll get the check back with their endorsement, any sort of explanation as to why this has happened, or the courtesy of a call from a manager with direct responsibility in this area to explain anything. 

I have spoken with no less than five different bank representatives from three different locations since XX/XX/XXXX, one week since we gave the bank this check. Follow up from the branch has been fine, but they have n't been informed and have no authority in this matter. Outside of the branch, they tell me they understand my frustration, assure me they are working diligently to resolve my issue, but provide no results. 

No one has explained to me where my check is, what the bank 's process and procedure is for checks like this that exceed the branch 's authority nor when this will be resolved and my check returned to me so I can get my roof replaced before winter. 

I ca n't be the bank 's first mortgage customer with a home insurance claim over {$20000.00}. Is this the best they can do? Does n't the law require them to perform better in matters such as this? If not, should n't it? 

If the bank 's concern is I might take the money without doing the repair, then require a work completion notice from the roofing company and call the note if I fail to provide it. 

If that 's not their concern and they just mishandled this several times over, own the problem, apologize and make it right immediately.
Product: Credit reporting

I had dealt with the issue on my credit report last year which was with XXXX. I had Lost my home into foreclosure in XXXX ; due to failed, XXXX. ( Which was all cause from an auto accident in XXXX ; a driver that was texting that hit me from behind! ) I 'm now on social security XXXX. I had to get the XXXX mortgage with XXXX, released before I was able to close on my home. So this was taken care of as of last year, closed XXXX XXXX, XXXX. I received in the mail a letter XXXX, from XXXX XXXX XXXX Acct. XXXX this letter in ref. to property, my old address.
Product: Mortgage

I am writing to complain about the illegal policies of Mr , CooperXXXX. I am under agreement to acquire a property that has an assumable FHA loan serviced by Mr. Cooper and the seller is allowing the assumption. The problem is that Mr. Cooper will not accept an application. They accepted by certified mail a uniform residential loan application along with a purchase contract and supporting info but refused to issue a loan estimate as required and process the application for credit as required. The loan officer and their management have refused to begin processing my application until they decide to and receive information from the property seller? 
This violates the TRID regulations mandated by XXXX XXXX and the Consumer Protection Act, when they receive the XXXX pieces of ALIENS data my request becomes an application and they can not ignore it. Mr. Cooper should be approving me without regard to the seller. They do not have the right to refuse to process my application. 
In addition this violates my state of Minnesota Consumer Protection law ( 325D.44 ) regarding " false or misleading representation of fact '' that " causes a likelihood of confusion ''. Their letter clearly states that " The loan must be current at the time of the assumption '' and " the loan is not assumable according to the terms of the Note, if an unrelated 3rd party is requesting to assume the note ''. These statements are false and misleading. It is apparent that Mr. CooperXXXX does not want to do the assumptions that they are obligated to do and this needs to be addressed. They are causing damages to me as a realtor and buyer and to the overall real estate market in Minnesota by discouraging buyers and sellers from doing transactions with assumable mortgages.
Product: Mortgage

Hello my name is XXXX XXXX. I have a current FHA loan with Amerihome mortgage ( the mortgage company ) loan number XXXX. Do to the Pandemic of Covid-19 I applied for a forbearance in XX/XX/XXXX. I was told that I was approved by the mortgage company and was allowed three months. I called the Mortgage company because I wanted to get a better understanding of how the process of a forbearance works. I was told by the representative that once my three months are up my payments will be sent to the back of my loan, which is called a partial payment plain. 
In XX/XX/XXXX I started receiving calls from the mortgage company stating that i was 30 days late on my mortgage. I spoke to many representatives of the company and i was told that it was an auto dialer and they can not stop the calls. I was told not to worry because they are aware of my forbearance and nothing will happen to my mortgage. On XX/XX/2020 I received a Promissory Note in the mail from the mortgage company stating that i have to pay {$13000.00} to them. I called them and i was told that i needed to notarized the documentation i received and sent back via fax, or mail, so they can start the process of my Partial Claim Mortgage. I thought i was already approved so I was very confused. I still notarized the documentation and faxed to the mortgage company on XX/XX/2020. I called the mortgage company on XX/XX/2020 to verify that they have in fact received the Noticed Promissory Note. I was told by there representative that they are working on my loan and I was approved for the Partial Claim Mortgage and they DID receive my fax however they are back up do to Covid-19 and they will get back to me. 
The phone calls from the mortgage company did not stop I was always in communication with them. On XX/XX/2020 i received a phone call from the mortgage company but i was told that i am in jeopardy of losing my home. I was told by the representative that they never received my promissory note. Next day I overnighted by certified mail the documentation to the mortgage company. I waited a week before calling them to verify receipt of my documentation. When i did call them the representative told me that they get the paperwork however the paperwork was sent late therefore i was denied the Partial Claim Mortgage. However, the representative told me that I will get other package in the mail within 7 to 10 business days. I have called the mortgage company everyday since, and still no package have come in the mail from. Today is XX/XX/2020 and I haven't received any documentation or package from the mortgage company. But everyday I get a phone call from them stating i am late. The mortgage company is now refusing to take any of my payments. 
At this point I don't know what to do. i believe allot of my rights have been violated. My credit scored has been effected. And i am in fear of losing my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the accuracy of the account XXXX XXXX XXXX, Account number XXXX, that is currently appearing on my consumer report. Specifically, I am requesting that this account be removed/deleted from my report as it is over 7 years old and no longer accurate.

As you are aware, the Fair Credit Reporting Act ( FCRA ) requires that credit reporting agencies maintain accurate and up-to-date information on consumers. This includes removing accounts that are over 7 years old, as they are no longer relevant to a consumer 's creditworthiness.

I understand that your company may have certain procedures in place for resolving disputes such as this. However, I would like to grant you the opportunity to amicably resolve this matter by doing the following : Investigating the accuracy of the account in question, including verifying the date of the account and any outstanding balances.

Removing/deleting the account from my consumer report if it is found to be over 7 years old and no longer relevant.

Providing me with written confirmation of the removal/deletion of the account, as well as a copy of my updated consumer report.

I trust that your company will take the necessary steps to rectify this situation in a timely manner. Please do not hesitate to contact me if you require any additional information or documentation from me to assist in your investigation. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Mortgage

Freedom Mortgage does not document my current escrow balance. My loan originated with XXXX Mortgage and had been serviced there for 3 years prior to being sold. Freedom Mortgage does not reflect on their website or my monthly statement what my current escrow balance is. I am not provided enough information to determine what it is either. There is no starting balance for the year or disbursements for the year. Only the amount paid in for the year is shown. I have no way of knowing for certain how much of my escrow money Freedom Mortgage holds. I was told that I could call to get that information. I have done that several times and the reps are not very helpful. They just state the amount that I have paid in for the year.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

XXXX  XXXX turned me over for collection on an account that is not mine. My account number is XXXX. The account they are trying to collect on is XXXX. I talked to the collection agency and they have my social security number and address linked to the wrong account. I believe XXXX XXXXXXXX somehow merged two accounts and that's how this started. My address is XXXX XXXX XXXX XXXX There is also a XXXX XXXX XXXX in my neighborhood. The XXXX XXXX property was sold in 2021. The gas would have been turned off and on at least three times during the process. The family that lived there sold to a contractor who flipped the house and then he sold it. 

In the summer of 2021, I heard a noise on the gas meter side of my house. When I went to investigate, there was a gas company employee there kneeling beside my meter. I asked what he was doing and he said he was there to turn on my gas, but then he said it was already on. I asked what address he had and he said XXXX XXXX XXXX. I explained that he had the wrong house and he went to the correct one. It is not uncommon for us to received packages and mail, even pizzas, at our house that were sent to XXXX XXXXXXXX XXXX  That has been the same for over 30 years. XXXX  XXXX has failed at every level to fix this, and now they have turned me over for collection on a debt I don't owe.
Product: Debt collection

CREDENCE RESOURCE MANAGEMENT is attempting to collect on a debt despite a binding arbitration agreement requiring disputes to be resolved through arbitration. They have continued collection efforts, including damaging my credit report, in violation of this agreement, causing unnecessary stress and confusion.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX & XXXX account number 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax announced that they had suffered an account breach that compromised the information of over 143 million Americans. After checking whether or not my information had been compromised using the site they provided, I was told I was affected. This data breach may have compromised my credit and divulged information such as my social security number, accounts, and addresses. I checked my credit report using XXXX from all three agencies ( including Equifax ) and everything seemed normal. I also added a 90 day fraud alert to my account but had to use XXXX 's site for that as the Equifax site was broken.
Product: Mortgage

My mortgage was bought by Green Tree in XXXX XXXX. My husband lost his job in XXXX XXXX and we got behind. We tried to work arrangements out with Green Tree. They are refusing my payment unless I bring it current. They are calling several times a day and faxing over personal info and payment history to my work fax and my co workers seen it. I paid a XXXX payment in XXXX $ 4200- because of there threats of taking my home. I paid another XXXX in XXXX and called another payment in for XXXX in XXXX. I was told I am still XXXX payment behind and needed to pay {$4200.00} for XXXX not XXXX and that would bring me current. I explained to them I do not have it. I then received another call a few minutes later from another account Rep - who handles my Account - I was threatened they would void my payment for that day and it would put me 60 days past due. I asked again to speak with a manager - who then gets on the phone and says they will look in to it. I called back the next day and asked if my payment had been voided, I was told no. I pulled my bank statement up and see they reversed it back into my bank account. How can they refuse a payment after excepting it. The tactics they use are not right for those who are trying to keep our homes. They are purposely refusing PAYMENT to damage my credit and make me loose my home. What can I do?? They told me to file foreclosure. I can not believe they would want to push a customer into foreclosure over being XXXX payment past due. I am trying to keep my home and have always paid on time until my husband lost his job. I have proof of them excepting the payment then voiding it. I believe they are playing games, I have talked to several people who claim to be managers who say they will look into it with no follow up.
Product: Student loan

To whom it my concern, I recently just received a copy of my credit report. And I notice the MOHELA Student loan that are listed on my credit report I am unaware of. This is a former update. I am requesting to remove this off my credit report that are listed below. I tried reaching out to this entity and I spoke with someone about this matter. But they still couldn't help me 1 ) MOHELA STUDENT LOAN # NumberXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified items without providing any proof within the time frame specified by law. My credit report includes the following erroneous items that need to be investigated and corrected : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made contact with this bureau on XX/XX/2019 and XX/XX/2019 in regards to an account that is on my report twice ( 1-Negative, closed account with status showing Collection account # XXXX and 2- Closed account with status of payment ( - ) with Paid Collection for account # XXXX ) the 2nd one being acceptable but disputed as accurate. I also disputed the accuracy of a Bankruptcy-chapter XXXX reporting on my report due to lack of acceptable verification, I sent them copies of letters to court requesting how they verify and from court stating they do not verify. I have also sent letter to XXXX requesting the same information. 
I am a retired veteran and I am in the process of trying to become a productive XXXX to assist in the health and nutrition of our community and these 2 issues are standing in the way with no fault of my own. I have requested the bureau to remove these items from my report immediately.
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. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 crimes which antedates the report by more than seven years.

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

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanyin g things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX , MD XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$2700.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$24000.00} ; XXXX XXXX XXXXXXXX Balance : {$1000.00} ; XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/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, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX XXXX and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Based o

n, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of 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. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!
Product: Debt collection

This company reported a collection on my credit report without first notifying me via USPS that a collection was pending. I do NOT have any back debt. I do NOT owe anyone for this debt. 

o Im the victim of identity theft, I have my reports frozen, I am listed with the FTC as a victim of identity fraud, and I do not recognize this account. 
o I want this account immediately removed from my report. 

This is a clear violation of the Fair Debt Collection Practices Act ( FDCPA ), which requires prior notification to the consumer in case the debt information is not correct. 

I keep my credit reports frozen for solely this reason and keep a very good eye on the reports. I have been a victim of credit/identity theft for years.