23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

This company XXXX and XXXX bought some illegal debt and has been harassing me as well as reported illegally on my credit report. This debt was paid thru XXXX XXXX and then called paid off because the loan is a loan that was considered illegal in CA as it was at 138 % interest and I paid 2 years ago and negotiated with original creditor. XXXX XXXX I disputed with and I proved illegal they need to remove this from my credit reports Experian and XXXX immediately. This was an illegal loan for 2500 that I paid over 4000.00. 

This is not owed and XXXX XXXX bought this from some other debt company that could not report it because it is illegal. I will not pay this company anything ever and I will get an attorney and go after them calling from spoof numbers, harassing me on the phone and threatening to show up at my house which is all illegal. I have stood my ground with them and want these removed from my credit reports immediately.. I already had another issue with this company buying a ghost debt that I proved not legitimate either and they removed. 

Experian 's online dispute does not work. XXXX was working on another dispute and I could not add this one for 30 more days.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating my account is accurate without providing any evidence of a thorough investigation. This violate the FCRA. They also contravene the CFPA
Product: Debt collection

I have no knowledge of this account and it needs to be removed from my credit report. I have filed a complaint with XXXX but have not been able to do so with XXXX  as their site is garbage.
Product: Mortgage

FREEDOM MORTGAGE encouraged me to do a forbearance due to financial hardship. The mortgage company encouraged me to do loss mitigation to help with the past due amount. The process began in XXXX of 2022. The representative told me not to make payments during this process. Every time I would submit paperwork required by the mortgage company, they would always be missing something. I would send the missing documents and check back the next week. Then, they would say the paperwork expired. I would have to start over. So I did. Many times. On XX/XX/XXXX I sat on the phone with a rep to make sure all paperwork was received because I received a foreclosure notice. The rep told me not to worry about the foreclosure, they will extend it. I made sure all paperwork was sent. The rep said the next step is the paperwork is sent to underwriting and to check back in a couple weeks. I checked back on XX/XX/XXXX and was told paperwork was missing again. I sat with the rep and went through all of the paperwork. She said nothing was missing. She didn't understand. She told me to hold on for a few minutes. When she returned, she said she discovered a check stub was missing. I think she was lying to cover for the mortgage company. Once again, I sent in all paperwork asked of me and verified everything. She said she submitted it for review. I was never notified of any missing paperwork after XX/XX/XXXX. I thought everything was OK, like the representative stated. The representative from the XX/XX/XXXX call told me to call back the following Monday. Meanwhile I have been working with XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. I was approved and XXXX XXXX was trying to pay the past due amount in full so I didn't lose my house. Regardless of that, they proceeded to foreclose on my property. When I called that Monday they said I had to pay XXXX to avoid foreclosure. They knew I was doing XXXX XXXX XXXX XXXX But they didn't care. XXXX XXXX  tried to intervene but was unsuccessful. After the auction, XXXX XXXX discovered that Freedom Mortgage in fact purchased the property. She called Freedom Mortgage and they said if she paid the past due amount and I paid the foreclosure fee we could keep the house. Now they are not returning calls to me or XXXX XXXX XXXX. They tried to lie to me and say they didn't purchase the property. According to the XXXX XXXX XXXX XXXX XXXX XXXX, they did. They told XXXX XXXX that a supervisor would contact her and myself but that has never happened. So I'm sitting her not knowing if I have just lost everything or not. They act like they are doing everything possible to stop me from keeping my home. I have XXXX kids and we are about to be homeless thanks to Freedom Mortgage scamming people into losing their homes.
Product: Credit reporting or other personal consumer reports

l am not liable for this debt with XXXX XXXX XXXX I do not have a contract with VANCE AND HUFFMAN LLC They need to provide a contract that I have signed with XXXX XXXX because there is no said contract. If they are unable to provide a signed contract then I need to have this account removed from my credit report immediately.
Product: Debt collection

I'm disputing this account due to concerns of identity theft or fraud, and I'm requesting proof of my association with the debt, including any documents with my signature, within thirty days. I believe this will help clarify any misunderstanding and resolve this matter appropriately.
Product: Credit reporting or other personal consumer reports

Dear [ CFPB ], I am writing to file an urgent complaint regarding fraudulent charges that have been reported on my credit report. I am a victim of identity theft, and my personal information is being used by an unknown individual across various accounts that I do not recognize or authorize. I travel frequently and am not well-versed in managing my credit, which my wife recently reviewed and found multiple accounts that have been opened in my name without my knowledge. This is an ongoing and dangerous situation that has persisted for months. Despite my repeated attempts to resolve the issue, no creditors or bureaus have provided any contracts, signatures, or proof to substantiate the charges or transactions. I was not notified by the credit bureaus or creditors within the required 5-day window, as outlined in 15 U.S.C. 1692g ( Validation of Debts ), which I was informed about by my lawyer. This failure to notify me is illegal and violates my consumer rights under federal law. As per 15 U.S.C. 1681 ( Fair Credit Reporting Act ), my right to privacy, confidentiality, and accurate reporting has been directly violated. Additionally, 15 U.S.C. 1681s-2 ( a ) ( 1 ) prohibits furnishing inaccurate information to consumer reporting agencies, which has clearly occurred in my case. I demand immediate action to remove these fraudulent accounts from my credit report and protect my privacy and rights. I will pursue legal action against both the bureaus and creditors involved for failing to provide the necessary documentation and for violating my federally protected rights. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXXXXXX these are the fraudulent accounts 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 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: Debt collection

Enhanced Recovery Company has re-added an account for XXXX that I previously disputed to your agency with success even though the account was already removed from my credit profile. 

XXXX XXXX XXXX deleted this account from my profile on XXXX XXXX, 2020 yet ERC continues to re-add this account to my profile incorrectly and illegally, XXXX also keeps incorrectly verifying this account as being accurate as well when they have previously removed it.
Product: Student loan

I live in Florida, and when there was a hurricane coming I got a phone call claiming to be from the federal government, saying I had nothing to worry about the upcoming disaster because my loan would be on hold. I later found out they put my loan on forbearance without my authorization. I called them after I found out and told them to reverse that. I did not complain back then because I thought this was a federate mandate. I had no idea a private company was behind this forbearance move without my authorization. They need to be accountable for deceiving their customers.
Product: Credit card or prepaid card

My wallet was stolen and someone used my information to open an account fraudulently
Product: Debt collection

I did not authorize anyone to use my information or to be given to a third party. This is an unauthorized and fraudulent account which was opened without my consent as I never gave permission for this to be opened under my name. I did not agree to any membership, loan or credit card. My personal info had been used to process transactions and open an account under my name without my knowledge. I never gave authority to open such account. It is not authorized and I have never given permission for it to open and charged. Please remove this account from my credit report, all of the inquiries, and block them from placing these unauthorized account on my credit. This is a scam & I was defrauded. This inaccurate account is being reported in my credit records and is hurting my financial stability. I am a victim of fraud and theft. I have requested multiple times for verification of this account and send out disputes on the following dates : XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021. Ive sent out disputes & validation requests to the credit bureaus as well. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. I need help in this situation because I can not refinance many loans I have or obtain new lines of credit.
Product: Mortgage

In XX/XX/year>, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, which caused me to fall behind on my mortgage payments. I made attempts to catch up, but despite reaching out to the mortgage servicer multiple times, they never returned my calls. While I was still in the XXXXXXXX XXXX XXXX XXXX XXXX they allowed a company/vendor to forcibly enter my home by breaking down the door and changing the locks without notifying me. 

My personal belongings, including my car, were still inside the home. Several of my items were stolen, and my car was damaged when the intruders attempted to break into it and start it. They went through my personal drawers, tried various keys, and eventually damaged my car door. They also stole the battery from my vehicle and a drill from my garage. Additionally, they broke my patio door, causing further damage to my property. 

No one from the mortgage company , the servicer, or the property preservation company ever contacted me during this time. When I returned home XXXX XXXX XXXXXXXX, I discovered the damage and theft, yet there had been no phone calls, notifications, or any communication from any party involved. 

I am XXXX XXXX XXXX, XXXX XXXX, and this situation has been extremely unfair. It feels as though they are taking advantage of me as a senior citizen by trying to take my property while I have been XXXX XXXX XXXX. The vendor they hired has employees who steal from peoples homes when they are not there. I never received any request or notice to enter my home. Whoever they hired has been allowed to roam freely through peoples properties, rummaging through personal belongings and stealing, all under the guise of securing the home. 

There is no accountability for the people they hire, and they have completely disregarded the fact that I have been vandalized by their employees. They not only stole property from my home but also damaged my vehicle, which has no connection to the mortgage. This treatment is unjust, and I am seeking a resolution. The company needs to take ownership and responsibility for the vendors they hire because they are allowing these individuals to steal from the very homes they are supposed to be securing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I notified Equifax that I am a victim of identity theft and that there are fraudulent items listed on my credit report.
Product: Credit reporting or other personal consumer reports

Sent multiple complaints to both creditors and reporting agencies advising of identity theft and to have information on my report blocked and deleted as these accounts were opened fraudulently with electronic complaints and mail correspondence being sent from dates ranging from XX/XX/XXXX through XX/XX/XXXX. Companies response is that they are investigating however turn around and verify information without properly conducting an investigation and removing accounts as per FCRA 605B. Companies have not provided physical documentation advising of the denial as mandated from FCRA section 1681i ( a ) ( 5 ) ( b ). This is my FINAL request for deletion and removal of accounts listed in the referenced police report from my local law enforcement and from all subsequent IDTHEFT reports from the FTC that have been both electronically transmitted and physically mailed to the companies who have received them via certified mail and by also advising of receipt via multiple phone conversations. I certify that this is complaint is not in error and that I have not misrepresented any information therein and that I have not received and good or services as it pertains to the accounts opened and that all transactions, calls, accounts, bank accounts, personal information, and disputes prior to XX/XX/XXXX where used/done without my knowledge and for nefarious purposes. I have taken measures to secure my account and identity and if information is not blocked and or deleted within XXXX business days then I will be forced to pursue LITIGATION for defamation and willful injury to the fullest extent of the law.
Product: Checking or savings account

I had unauthorized transactions of XXXX. Which made my account negative XXXX. I filed a claim twice. Truist did not provide proof of investigation of my claims. I filed my claims in XXXX around the XXXX. My second claim was about three days after that.
Product: Credit reporting or other personal consumer reports

I have continuously requested American Express stop sharing my information with third-party companies and they continue to do so. They have continued to violate my rights under the FCRA. I sent American Express letters in XXXX and XXXX and they have ignored my requests. The creditor is in violation of 15 U.S. Code 6802 ( a ) ( 1 ) ( b ) which states- the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party.
Product: Money transfer, virtual currency, or money service

XXXX. XXXX faxed insurance check to be cosigned by Bank of America. Called on XXXX XXXX regarding status and they only " scanned '' check on the XXXX of XXXX. Today is the XXXX of XXXX and still have not received cosigned check. Their policy states the check will be cosigned and returned in 4 business days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M A VICTIM OF IDENTITY THEFT. THESE ITEMS ARE NOT TRANSACTIONS CONDUCTED BY ME AS A CONSUMER. 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

I'm writing to express my displeasure about certain unwarranted and unauthorized inquiries on my report. I'm writing to request the removal of the following data from my file. The report includes a list of the items I need to eliminate and deleted.
Product: Debt collection

I get a call at different times but every single day from a robot identifying itself as Diversified Adjustment Services ( XXXX ). this has been going on weeks now. It does n't respond to any button presses if i answer. When I do n't answer, these calls fill up my voicemail. I do n't carry a single debt and need these annoying interruptive calls to stop!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, Account # XXXX, amount {$830.00} 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, also states a consumer reporting agency can not furnish an account without my written instructions. 

Please request the creditor to show proof of the original contract with the address that was used. Otherwise please delete this erroneous account.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion bottomed our my credit score since XXXX for no reason making impossible to get a loan! That are crooked!
Product: Credit card or prepaid card

I hired XXXX XXXX 's Attorney at XXXX on XX/XX/XXXX to handle a guardianship case attorney at law onXX/XX/XXXX using my discover card first charge {$1700.00}. this went through fine on XX/XX/XXXX I charge XXXX with my discover card after I did not get what I paid for from the Attorney XXXX XXXX I disputed her payment of {$1500.00} with discover this amount was placed back to my card as a temp. after my attorney agreed to file the necessary documents I called discover and had them to stop the dispute, I was charged {$1500.00} on my card again.. the Attorney office did not get the {$11000.00} back to there account I called several times getting different answers once with the attorney on the line she dropped the case and placed a lien on my case for {$1500.00} because Discover told us 3 to 5 days she would get the funds bank the 10 days she would get the funds back and the last call to discover we was told that the money was hung up in the merchant department of discover, today isXX/XX/XXXX and several calls later no attorney no {$1500.00} I would like to know where the {$1500.00} is and why the attorney never got it. I have to hire a different attorney now do to the missing {$1500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please block/remove the following accounts completely from my Credit Reports : XXXX XXXX XXXXXXXX Date opened XX/XX/2021 Balance $ XXXXXXXX XXXX XXXX XXXXXXXX Date opened XX/XX/2021 XXXX $ XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/2021 Balance $ XXXX XXXX XXXX XXXX Date opened XX/XX/2021 Balance $ XXXX
Product: Credit reporting or other personal consumer reports

Upon checking my credit report I noticed multiple unauthorized inquiries on my credit report I did not authorize due to the fact my wallet was stolen and ID along with my SSN card was stolen. I called XXXX credit reporting agencies today about XXXX as instructed to by my local police department crime report # XXXX and requested that the identity theft unauthorized inquiries be removed immediately and XXXX only removed 2 of them so now I have to dispute unauthorized inquiries with the actual companies are such as follows : 1. XXXX XXXX XXXX XXXX XXXX 2XXXX XXXX XXXX XXXX- XX/XX/24 3. XXXX XXXX XXXX XXXX Remove all unauthorized inquiries thank you for your understanding. Attached is a copy of my policy report for the identity theft report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent a certified letter to this credit bureau requesting verification of how they verified these creditors XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX   XXXX , XXXX XXXX , and XXXX XXXX . 
Additionally, please provide the name, address, and telephone number of each person contacted regarding these alleged accounts. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 
Any automated response or e-oscar verification is unacceptable. I am requesting a reinvestigation AND your Method of Verification.
Product: Checking or savings account

I still do not know why the entire balance of my account was transferred. I put in for a {$5000.00} transfer to my XXXX XXXX account but Optum transferred the entire balance of {$9400.00}. Yesterday I called and waited on hold for 1 hour before talking to the Optum representative in the attached phone call. She said XXXX, my employer, did a batch transfer of their employees accounts. I don't think this is true because as an employee I received no advanced communication about such a transfer. I also do not know for sure where this money went. I certainly hope it was sent to my XXXX account but it's unknown to me and the representative I spoke to yesterday could not answer that question. 

The other outstanding issues which I'll leave to Optum Bank and their remaining customers to solve, are the following questions which after numerous phone calls, emails, in portal messages, and escalations to the Consumer Finance Protection Bureau remain unanswered other than the same response from Optum " Insperity made the change ''.

Optum offered an option to set up a XXXX XXXX account and link it to the Optum HSA account with the Optum app. This was also found under Optum 's portal. I followed the steps to set up the XXXX account however when I came back to Optum a few days later they stated that they were just kidding about the XXXX account and I can not transfer my fund over to XXXX for investment. They only allow their own mutual plans. My issue is that this is not what was advertised. I contacted Optum via email on XX/XX/23 and again by phone XX/XX/23. The later person was rude, interrupting me, and placing the call abruptly on hold for several minutes. I still have received no answer to date. Optum has conveniently purged my sent messages with the portal related to this matter and every time I received back a call they said this was XXXX 's doing and that they were prohibiting the use of the XXXX XXXX account. However, the open question remains, why promote and waste everyone 's time by offering this in the Optum app and portal to begin with???

There remains a link under my Optum account to an unknown XXXX XXXX account. I still do not know what account this links to as I closed the aforementioned XXXX Account after learning this was a broken feature in Optum 's portal and app.

I am missing {$9400.00} in funds. It neither appears in my Optum account nor in my XXXX Account
Product: Student loan

In   XXXX   I received a {$1500.00} grant while I was attending school, I was told at that time, that I would not have to repay it.   so, 34 years later after rehabilitating this grant into a loan, about {$6200.00} out of pocket, I got my loan down to {$5.00} per month which I could afford, then it was turned over to " FedLoan Servicing '' Pennsylvania  Higher Education Assistance Agency a nd after 3 months they changed the payments ( with out notice or explanation ), to {$100.00} per month. I caught it, voided "  Direct Deposit '' info, then  they revised it again to {$50.00}, voided that, I called and asked why the changes in payments? they said " BECAUSE THEY CAN '' now I have to deal with some of the worst leeches on the Planet Earth, I am now retired and trying to live off Social Security of just {$870.00} per month, I just need help in paying off the remaining balance to be free of this burden, can you help?