23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XXXX XXXX XXXX | XXXX TruHome Solutions , LLC XXXX ID # XXXX On XX/XX/year>, we secured a pre-approval for a mortgage loan through TruHome Solutions , LLC for the purchase of property at XXXX XXXX XXXX, XXXX, TX XXXX. The closing date was set for XX/XX/year> and has been planned for over a month. The lender confirmed and promised a closing date of 21 days, which was extended to one month just incase after confirming the date with lenders. However, the final disclosure ( CD ) was not provided at least three business days before closing, as required under TRID regulations.

Additionally, the lender failed to communicate that they were rushing closing, leading to last minute financial adjustments. As a result, we were forced to come up with an unexpected {$1600.00} additional payment to closing during our agreed upon closing appointment - an amount I was not informed of in advance. 

When I raised this issue with the lender, ultimately they only offered a {$300.00} dollar credit, leaving us with {$1300.00} unexpected financial burden while at the title company and after signing half of the closing documents. This caused significant stress and financial strain, as I was not given proper time to prepare for these increased costs. 

I am requesting a full reimbursement of the additional {$1300.00} in closing costs due to the lenders non-compliance with disclosure requirements. I also request that the CFPB investigate TruHome Solutions , LLC for failure to comply with TRID guidelines to prevent this from happening to other buyers.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$6000.00} XXXX  XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance Owed : {$3700.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed XXXX {$11000.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$5000.00} XXXX OF XXXX XXXX Balance Owed : {$22000.00} XXXX  XXXX XXXX Balance Owed : {$21000.00} XXXX  XXXX  XXXX Balance Owed : {$5100.00} XXXX  XXXX XXXX Balance Owed : {$3900.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$5000.00} XXXX XX/XX/year>
Product: Debt collection

A company by the name of Stafford and Associates I googled the name and all of the people I spoke with where mentioned in other people 's complaints. They demanded I give them a debit or credit card for money I owed to XXXX XXXX from 2015. They have no website or any way to verify who they are. The name they go by is Stafford and Associates. There number is XXXX ask for XXXX he is the manager. If you XXXX  the number you will see what I mean. Thank you. 

I called XXXX XXXX after I got off the phone to verify there status with them, they never heard of them and they dont use them, case closed!!!
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the charge-off status of the account referenced above, which appears on my credit report. I believe there has been an error in the reporting of this account, and I request a thorough investigation into its validity. 

Details of the account in question are as follows : Account Number : XXXX Original Creditor : XXXX XXXX  Date of Charge-Off : XXXX XXXX  Current Status : Charged-Off I have reviewed my records and believe that the information reported regarding this account is inaccurate. I request that you investigate this matterand correct any inaccuracies in your records. I think it has been a matter of miscommunication. I was not aware of any late payments whatsoever. Please provide me with a written response and investigate this dispute within 30 days of receipt of this letter.
Product: Student loan

Student qualifies for temporary hardship forebearance as stated in American Education Services ( AES ) policies that allows 24 months in three-month increments. Student has applied for three 3-months and approved immediately. Student applied back in XXXX XXXX, 2016 for the fourth due to a mix up in the application form. Student applied electronically this time as suggested by AES ; however, student did not receive notification of the receipt until XXXX XXXX, 2016. Student called and inquired, immediately, upon receipt because loan is due XXXX XXXX, 2016. Student called again this a.m. to inquire about the approval and was told that XXXX XXXX ( provider ) noted it was still in review. XXXX XXXX is using delay tactics in order to force payment from students that are clearly in hardship and, eventually, student loan default. In the past this process only took one day to complete.
Product: Credit card or prepaid card

On XX/XX/XXXX I spoke with a offshore representative from Capital One XXXX XXXX name XXXX at XXXX I asked him to provide a pay off balance to pay to XXXX out my account since prior the call I paid over XXXX wanting to XXXX out my balance and previous rep never told me that pay off balance will be different vs what's online. They charged XXXX  in Interest. He told me my pay off is XXXX now and he guarantees no more interest will be charged to my account. I made the payment while had him on the phone. On my most recent statement they charged me XXXX interest again! I just poke with an onshore supervisor name XXXX on XX/XX/XXXX at XXXX XXXX and asked her why I'm being charged again she said : XXXX didn't list XXXX transaction as PAY OFF! they charged residual interest and we can't wave it .... ' Where I was told by the XXXX on XX/XX/XXXX that's my the payment I'm making of XXXX is my PAY OFF amount and he guarantees there won't be any more interest charged. Just because he failed to mark XXXX as PAY OFF I was charged with interest again. It's ILLEGAL what Capital One does! She refused to look up the phone conversation. If they record all the calls they much check XX/XX/XXXX call and waive XXXX! I should've never been charged XXXX!!!
Product: Debt collection

Westlake has listed a defaulted debt owed to their company on my credit report. I do not owe this debt. I requested an investigation through the bureaus. Westlake claimed the debt was valid. I requested validation of debt via certified mail XX/XX/2018. They failed to reply. I sent a 93A Demand notice via certified mail for failing to produce required documentation under federal and state law via certified mail XX/XX/2018. They replied with refusal to provide any information stating they were unable to locate the account. I sent them a third notice in the form of a 93A Demand with all of my information ( account number listed on my credit report, full name and address ). They failed to reply in any way. They have continued to report in attempt to collect this debt. It is illegal under both federal and MA law to attempt to collect a debt without providing proof of a claim.
Product: Bank account or service

I accepted an offer through a public website ( offer code # XXXX ) promising a cash bonus for depositing a certain amount of money in my existing savings account and keeping it on deposit until XX/XX/2016. After completing all offer requirements and being told by multiple customer service representatives that I would receive the bonus " soon, '' it now appears that Citi does not intend to honor the offer. Written documentation of the offer and compliance with its requirements is attached.
Product: Student loan

in XX/XX/XXXX I was going to court reporting school and in a bad relationship, before graduating I suffered from XXXX  and XXXX XXXX XXXX, XXXX XXXX had a XXXX  stipulation should you become XXXX the loan would be forgiven well in XX/XX/XXXX, my income tax was taken for default, due to XXXX XXXX my daughter and I had to move alot, and I'm still fighting this and I need my my tax refund
Product: Credit reporting or other personal consumer reports

This is my 15th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$880.00} XXXX XXXXXX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX {$300.00} XXXX XXXX {$53.00} XXXX  XXXX {$80.00} XXXX  XXXX {$4500.00} XXXX XXXX {$6700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage was purchased by Mr. Cooper ( XXXX XXXX XXXX XXXX XXXX ) and they notified the credit reporting agencies that I was 30 days late on a payment. My XXXX account is set to automatically make the payment on the 1st of the month and processed normally. My payment amount increased, and I was not notified so rather than processing the partial payment they held it. When my next payment arrived 29 days later, they applied it to the principal but kept holding the monthly payment and reported it as 30 days past due. They finally contacted me, and I made the payment and adjusted my autopay. Mr. Cooper ( Company ) indicated that they applied the second payment to the principal because it was in the same month. My payment history clearly shows this is not their standard procedure because if the 1st falls on a weekend or holiday the payment is processed the day before and this happens frequently. I believe they should have released the payment being held ( without notification ) and I would not have been 30 days late. When I contacted them, they reversed the incorrectly applied principal payment and the one being held after I made the additional payment to cover the difference in the new amount. I contested the negative entry as my credit score dropped over 100 points. I reviewed the comments on Mr. Cooper 's XXXX page, and they appear to consistently have poor business practices.
Product: Credit reporting

The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following credit inquiries are related to none of the aforementioned permissible purposes : 1. XXXX 2. XXXX 3. XXXX However I do believe I was a part of the Transunion glitch and would like all inquires removed.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX  DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 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
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDOT BUREAS HABE NOT REMOVED FRAUD ACCOUNT ITS BEEN MORE THAM 30 day they are in violation of the " FAIR CARES ACT '' XXXX XXXX XXXX Balance details 0 % paid off Balance {$3500.00} Balance updated XX/XX/XXXX Original balance {$3500.00} Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Education Payment summary XXXX XXXX XXXX XXXX XXXX - XXXX - XXXX - - XXXX - - XXXX - - XXXX - - XXXX - - XXXX - - XXXX - - XXXX - - XXXX - XXXX - PAYMENT HISTORY LEGEND Status Open/Never late. 
Status updated XX/XX/XXXX Original balance {$3500.00} Monthly payment {$0.00} Last payment date XX/XX/XXXX Additional info Responsibility Individual Terms XXXX Months Company sold - Original creditor - Comments- Your statement **CONSUMER STATEMENT** Y ITEM DISPUTED BY CONSUMER Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX Phone number ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail. 

Dispute this account THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL. 

RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report 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 identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Collection Agencies below have continued collection activity despite not properly conducting and obtaining by mailing debt verification after I've exercised my 1692g rights. Section 809 ( b ) of the FDCPA requires a debt collector, upon receipt of a written debt validation requests from a consumer, to cease collection of debt until the collection agency obtains verification of debt and mails it to the consumer. They have failed to provide a copy of any alleged contract or other instrument bearing my signature after being requested to validate. Also RMP Services LLC and XXXX XXXX XXXX, have been advised they are in violation of the Notice of Proposed Procedures for XXXX XXXX  to Correct and Disclose Failures to Meet Section 501 ( r ) of the Affordable Care Ac. Furthermore, I have never signed a XXXX release form with RMP Services LLC nor XXXX XXXX XXXX. Therefore these are inaccurate XXXX violations and I want them deleted immediately. XXXX laws protect my personal medical information from being used without my personal consent and they are now very much aware of these XXXX violations, delete immediately. 

4 collection accounts Total balance : {$2400.00} RMP SERVICES LLC Original creditor : XXXX XXXX XXXX XXXX {$880.00} Balance updated XX/XX/2022 XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX 
{$1300.00} Balance updated XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$64.00} Balance updated XX/XX/2022 XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX XXXX {$86.00} Balance updated XX/XX/2022 When your account is in collections, consider these options :
Product: Money transfer, virtual currency, or money service

A guy posted concert tickets available for this Saturday XXXX to XXXX XXXX in XXXX XXXX, OH, so after messaging the poster of the available tickets and him showing XXXX receipts for these tickets, I sent him {$250.00} for 2 tickets as requested via Zelle ( transaction # 's XXXX and XXXX ) to XXXX and name XXXX XXXX. His phone number is XXXX. I have screenshots of all of our interactions.
Product: Credit reporting or other personal consumer reports

I am filing this complaint to address several inaccuracies and violations of my rights under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and other relevant laws related to my credit report. These inaccuracies have caused me significant harm and frustration, and I demand immediate resolution. 

FCRA Violations ( 15 U.S. Code 1681 et seq. ) : Inaccurate Information Reporting : My credit report contains numerous items, including bankruptcy, evictions, credit cards, and loans, that were decisions made by my former husband during our marriage, where I had no income or involvement in obtaining these accounts. Per 15 U.S. Code 1681e ( b ), credit reporting agencies ( CRAs ) are required to maintain maximum accuracy in their reporting, which has not been upheld.

Dispute Resolution Failures : Under 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), CRAs are required to investigate disputes promptly and verify or remove inaccurate items. I have attempted to dispute these items, but they remain on my credit report without proper investigation or resolution. Furthermore, 15 U.S. Code 1681i ( a ) ( 5 ) requires the deletion of unverifiable information, which has not been adhered to in my case.

Unauthorized Use of Credit Information ( 15 U.S. Code 1681b ( a ) ( 2 ) ) : My former husband 's actions during our marriage, including opening credit accounts and filing for bankruptcy, were done without my explicit consent. Under 15 U.S. Code 1681b ( a ) ( 2 ), CRAs are only permitted to furnish consumer reports for permissible purposes and with proper authorization, which was not obtained in these instances.

FDCPA Violations ( 15 U.S. Code 1692 et seq. ) : Communication Violations : Debt collectors have contacted me regarding debts that were not authorized or created by me, violating 15 U.S. Code 1692c, which regulates communication with consumers.

Validation of Debt : Under 15 U.S. Code 1692g, debt collectors are required to provide proper validation of debts within five days of initial communication. In several cases, this requirement was not fulfilled.

Billing Error Resolution ( 15 U.S. Code 1666b and 12 CFR 1026.13 ) : Items related to accounts opened by my former husband were inaccurately reported as my responsibility. Per 15 U.S. Code 1666b and 12 CFR 1026.13, creditors and CRAs have a duty to correct billing errors, which has not occurred in my case.

Right to Rescission ( 15 U.S. Code 1635 ) : I was not informed of my right to rescind certain transactions that affected my credit during my marriage. This omission is a violation of 15 U.S. Code 1635.

Ongoing Litigation and Systemic Issues : Recent lawsuits and settlements against XXXX and XXXX highlight systemic issues in their reporting practices. These include failure to investigate disputes, inadequate safeguards to ensure accurate reporting, and improper handling of consumer information. My experience aligns with these concerns, further demonstrating the need for immediate corrective action.
Product: Credit reporting or other personal consumer reports

I submitted this complaint to update this suspicious information. XXXX Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. 

Depending solely on your flawed XXXX system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the XXXX  system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

" XXXX XXXX XXXX XXXX XXXX XXXX '' were secretive in their attempt to collect a debt on XX/XX/2016, that I have no obligation to. I was recently looking on XXXX XXXX and ( at my utter shock ) found that I owed {$160.00} for a gym that has been closed for the past year. I remember vividly that I had asked an employee named : " XXXX XXXX '' to shut down my gym membership 2 years ago as I didn't need it anymore after my XXXX XXXX. Life is already tough as it is. I'm willing to take responsibility for mistakes that I've made, but this was not my mistake! Injustice, I tell you. Thank you so much for listening.
Product: Debt collection

The main complaint is that this company is, has and will continue to use deceptive and misleading practices to collect debt in the State of Georgia, they do not have a certificate of authority to do business in the State of Georgia. Additionally, they are using their deceptive and fraudulent practices to negative impact the credit reports and scores of the consumers it interacts with. 

The company is not authorized to do business in Georgia, but fraudulently collected monies from me and continues to report erroneous, inaccurate and negative information to the credit bureaus. Consequently, I have been negatively impacted, denied credit and suffered harm.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the third time I've requested that you remove XXXX XXXX  account from my credit report. It has shown as a collection on my Bureau report since XXXX XXXX. It is now XX/XX/XXXX.
Product: Debt collection

I have asked this company to one validate this debt they could not I also asked them to cease collection activities and to adhere to the federal guidelines this company not only ignored my validation request but then ignored my cease and desist are still harassing me but they are also not licensed or bonded to collect in my state I check. Please help me resolve this outside of court please have them cease reporting and follow the guidelines of the fcra