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

Dear Sir or Maam : Pursuant to the Servicemembers Civil Relief Act ( SCRA ) XXXX U.S.C. App. Section XXXX, this letter is my formal written request to remove this inaccurate information from my account. I am currently serving on XXXX XXXX with the XXXX XXXX XXXX XXXX. I entered XXXX XXXX on Date, which was after after the time this debt appeared on my credit report.. 
I have retained a copy of your signature and date of receipt, as well as time-stamped copies of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the disclosure within the required 30-day period. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. Additionally, you have broken federal law by not placing the notice of dispute onto my credit reports within the time required by law. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the accounts, inquiries, and addresses I do not recognize are continued here. 
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: Mortgage

I was sick in XX/XX/2023. I had XXXX XXXX  & requested for Forbearance from XXXX XXXX via Rocket Mortgage LLC, Loan Servicer, but unfortunately, Rocket Mortgage LLC didn't forward my request to XXXX XXXX, the Investor of my Loan. I have Doctor 's Letter to support my statement & can be shared, if requested. It's very unfortunate that Rocket Mortgage LLC is Possibly violating Cares Act & may also involved in Possible Discrimination. I strongly believe that Rocket Mortgage LLC is behaving this with me because I am a XXXXXXXX Person of XXXX, XXXX XXXX XXXX XXXX. 
I want CFPB to take action against Rocket Mortgage LLC for harassing People of Color & Minorities & not proving requested relief as per the Cares Act & start an investigation by Department of Justice for possible Discrimination & possible violation of Cares Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been trying to get XXXX to validate this debt is mines since XX/XX/XXXX and they haven't made an attempt to validate this debt. So I've compared the information on my credit report about XXXX and this account was sold to XXXX but is still reporting on my credit report. This company iOS reporting different information to different credit bureaus and it's affecting my credit. It's bad enough I've never had and installment loan with them but now this information their reporting is affecting my credit. On XXXX it's shoes last payment as XX/XX/XXXX but XXXX it's showing last payment for XX/XX/XXXX. It's was reported on XXXX XX/XX/XXXX and updated on Experain XX/XX/XXXX. On XXXX it's showing this account was closed XX/XX/XXXX.
Product: Student loan

My student loans are currently serviced through MOHELA. Initially I was on REPAYE plan then transferred to SAVE plan with {$0.00} payment based on IDR information submitted XX/XX/XXXX during the pandemic. I logged online to MOHELA account and saw that my {$0.00} payment changed to {$2500.00} with a due date of XX/XX/XXXX within this past week. I have not received any correspondence regarding this payment amount despite emails from FSA stating that servicers must provide at least 21 day notice. After speaking to MOHELA representative, they stated that they sent email correspondence to my email on file on XX/XX/XXXX although this never made it to my inbox. I requested they resend this information so I have it on file but have yet to receive anything. I requested an extension to the due date as I did not receive adequate notice as I tried to resolved the issue with the incorrect amount being due but was told my only option was to enter forbearance. The representative also stated that my current payment amount of {$2500.00} was the amount if I did not re-certify my income as they did not receive any information from my prior servicer XXXX ( previously automatically transferred from XXXX XXXX ). I provided them with information in the form of mail correspondence from EdFinancial dated XX/XX/XXXX reiterating my approval for REPAYE payment plan which was automatically transitioned to SAVE along with the payment of {$0.00} until recertification on XX/XX/XXXX. I also provided the initial copy of my REPAYE IDR application back in XX/XX/XXXX and associated tax returns. Based on the correspondence from my prior servicer my recertification date would not be until XX/XX/XXXX. I am still being pressured to re-certify my income at this time as they stated this would be my only resolution despite FSA stating that borrowers would not have to recertify until 6 months after repayment start at the earliest. They are stating this is the only option as XXXX did not send over the appropriate documents to transfer the IDR plan to MOHELA. I am still awaiting a resolution to the issue.
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. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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

I have dispute this issue with the credit companies as well as XXXX XXXX XXXX. It is illegal to put something on my credit without my permission. Let alone something that is false. I have dispute with all companies about 6 times. 

Also, Pursuant to 15 USC 1692a ( 3 ) I am the consumer and I never gave ANY REPORTING AGENCY DIRECT written consent to report anything on my consumer report, No consent is IDENTITY THEFT. Pursuant to 15 USC 1629c ( c ) ( 2 ), I am invoking my specified remedy, as a consumer and the original creditor.

I am presenting myself as a federally protected consumer and to my understanding you have assumed a vital role in assembling and evaluating consumer credit. I also understand that you have been developed to uphold a consumers credit worthiness, credit standing/credit capacity, character and most of all the REPUTATION of consumers. While looking at my consumer reports, I noticed accounts that were listed without my permission and written instruction. This is a violation of federal law pursuant to 15 USC 1681b. 

XXXX XXXX is in violation of 15 U.S.C 1692G. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only I can validate this debt.
Product: Student loan

For months I have tried to resolve issues XXXX raised about my XXXX forgiveness process, but their communications are inaccurate, confusing, and vague. Today I received a document that said I didn't qualify for XXXX ( traditional -- I knew that ), but I might qualify for XXXX. Again, I knew this. I consolidated my XXXX loans to Direct Loans as directed, and I received confirmation that my employment was approved. What more is there to do? Why more confusing communication? 

Further, the document sent today has my current employer listed with an " end date '' of XX/XX/2021, the date they received my employment information I suppose? But it clearly says in my application this is my current employer ; I am a teacher at this school. 

I know I have more than XXXX months of public service. In fact, I've never worked anywhere but the federal government or a non-profit. Why is XXXX doing this to us? This is sheer incompetence. This process should not take so long. My loans were consolidated months ago! I hope to get resolution to this process ASAP. I am feeling very strung along.
Product: Mortgage

I have fighting to get my problem resolved for the past one year but not gotten anywhere. I have attached the details of the narrative in a chronological order with exhibits to make is easy to follow, therefore I will not repeat it here.
Product: Checking or savings account

First I want to thank you for taking the time to read my letter, secondly I wanted to tell you about me, my name is XXXX XXXX XXXX, a widow, living on a fixed income that is mainly what I receive is the monthly Social Security check for the amount of {$1200.00}, from that amount I have to pay my home expenses, such as Property Taxes, Utilities and food ; and third I wanted to file a complain for the Bank Chase, specifically their branch located at XXXX XXXX XXXX XXXX in the city of XXXX Texas where I know that the amount of {$1300.00} was taken internally by the cashier XXXX ( dont have her last name ). On Saturday, XX/XX/XXXX I walked into the above Chase branch to get a print out of the available funds ( copy of the summary attached, dated XX/XX/2023 @ XXXX ) but a minute later it shows a withdrawal that I never asked for or received the funds for the full amount that was in the account on that day Saturday XX/XX/XXXX, they extracted everything. 

On Monday morning, XX/XX/XXXX, I walked into the Chase branch that is located at XXXX XXXX XXXX XXXX XXXX, and was told by a cashier/teller that I needed to go back to the branch on XXXX XXXX XXXX because they had made an error and they had to correct it, but when I went into the branch on XXXX XXXX XXXX XXXX I was told by the teller XXXX that I had already withdrawn the funds from my checking account, since my first language is XXXX I requested to speak to another teller or supervisor that would be able to explain in XXXX what had happen to my money, unfortunately the second teller that spoke XXXX did not want to help me, her words were I can not help you she said to go see the branch manager supervisor, I tried talking to the branch manager but she was very rude, accusing me of already taking the money ( sorry, but I dont have the manager or the second tellers names ). 

I have filed a claim with their corporate office and they denied to help me ( Refence # XXXX ), I also filed a police report but I was given the same negative response ( Police card with the case # attached ) you are my last option, I beg for your assistance, those funds were STOLEN by the employee ( s ) in that branch, Im suffering to pay my bills because of that money they have illegally taken. 

I Hope and pray that you may be able to help me. 


Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

well i was watching the news and they was talking about Equifax reporting the wrong information for millions of people and that everyone who was impacted by this credit score drop or raise by 25 points so i then went and check my credit score and noticed my score drop by 24 points and I had 8 Inquiries and 1 account that I did not authorized I then called equifax and told them about the inquiries and they told me that they are sorry but the inquiries will stay there for 2 years and that they could not take it off only if i had a FTC report is the only way they can take it off the inquiries are ( 1 ) XXXX XXXX XX/XX/2022 ( 2 ) XXXX XXXX XXXX ( 3 ) XXXX XXXX Bank XX/XX/2022 ( 4 ) XXXX XXXX XXXX  XX/XX/2022 ( 5 ) XXXX XX/XX/2022 ( 6 ) XXXX XXXX XX/XX/2022 ( 7 ) XXXX XXXX XX/XX/2022 ( 8 ) XXXX XXXX XXXX XX/XX/2022 and account XXXX XXXX XXXX  XXXX
Product: Vehicle loan or lease

This company has my account as a charge off. I have requested a 1099 no response from this company. Ive tried paying this vehicle off. No response. This company has rude XXXX FOREIGNERS WORKING FOR THEM THAT IS XXXX XXXX AND XXXX ARE XXXX AND REFUSE TO ABIDE BY AMERICAN LAW. XXXX has requested to purchase the vehicle but ALLY FINANCIAL WILL NOT RESPOND TO XXXX EITHER. XXXX has requested a letter of guarantee but ALLY IS REFUSING. IM WRITING THESE COMPLAINTS FOR THERE NEXT LAWSUIT. THE GOVERNMENT NEED TO CLOSE THIS COMPANY DOWN FOR GOOD. This company said XXXX cant buy my vehicle mind you my account is charged off in which the IRS HAS SETTLED THIS DEBT.
Product: Debt collection

Hi, I would like submit a complaint about a Dept collector trying to collect a Debt I never authorized this is a Fraudulent dept. Original account holder has no record of me authorizing this charge. I never authorized this charge. American Medical Collection Agency continues to attempt to collect a Debt that was not Authorized by Me. 
They have sent me threat letters stating they are going to put it on my credit report, again I did not authorized this Debt charge. Please have this collector stop Harassing me. with letters and calls and have the Debt collector remove the account from my Credit Files.
Product: Mortgage

In XXXX or XXXX of XXXX our mortgage account was sold to another company ( PHH Mortgage/Financial ). The Original loan with Ocwen Mortgage was for {$130000.00}. Around XXXX we went through a modification due to financial hardship, which raised our balance to {$150000.00}. The current balance is almost {$30000.00} ( {$180000.00} ) more than the original loan. We have requested the original documents for the loan, and the modification documents with amounts. The company have not sent the documents as of yet, which has been over several months ago. 

We became aware of this issue in XXXX when we were wanting to seek refinancing and lowering our current mortgage payment and viewed our credit report. On the report it had two amounts for a balance {$130000.00} and {$180000.00}. 

We are seeking assistance to understand the grave discrepancy in the two amounts and to seek guidance with dealing with the mortgage company to remedy this issue.
Product: Mortgage

Dear CFPB, In XXXX my loan was modified and {$85000.00} was deferred and subsequent correspondence with Ocwen Mortgage indicated it could be forgiven. In XXXX Ocwen told me it would not be forgiven and would only be deferred interest free for the life of the loan. FNMA & FHLMC loans at the time forgave the deferred amount. Accept the modification as written or they would foreclose. We made decisions based on the intimidation and subsequently on XXXX servicing mistake, stating in writing it could be forgiven. We made financial decisions based on XXXX servicing lie or mistake. That information is in my previous claim. 

This inquiry is, would this {$85000.00} qualify for reimbursement under the " Rosenthal Act '' cash settlement with Ocwen and PHH for servicing practices? Would the {$85000.00} qualify to be paid off from those funds? 
Thank you
Product: Checking or savings account

On XX/XX/year> someone had stolen my card information and pin and proceeded to withdraw money all over town in the amount of {$9000.00}. USAA did not even catch the fraud taking place. I was at work with a XXXX for the XXXX XXXX XXXX in XXXX, Florida. When it called they credited the amount. On XX/XX/year> i woke up to - {$8100.00} in my bank account. The first representative accused me of spending the money saying I had gone grocery shopping and forgot. I called back and another representative said they would have a fraud specialist call me back. When the fraud special called they stated because it was a chip card with the pin in the same geographical location they closed their investigation after telling me previously they had ruled in my favor. Now they wanted a letter from the judge and a police report within 48 hours or they would close the re review. I spent the entire Friday driving around from one police station to the next because of jurisdiction. The cops wanted to know why the bank did not subpoena the cameras already to prove it was me who made the transaction. I had also notified them of an earlier possibly related incident where I had used a USAA ATM that had a card skimmer in it 3 weeks earlier and the police said it was entirely possible they got my information, waited for me to get a new card, and made a dummy card. They also said it is easier for the bank to go to another bank which XXXX XXXX XXXX XXXXXXXX XXXX XXXX were XXXX places the fraudulent transactions took place at to subpoena the cameras than it was for them. The police now have an open investigation XXXX Police department case number XXXX. USAA wants me to do all the investigating now that they have ruled against me. They refuse to do any further investigating even though I have provided the letter and the case number for them to correspond with the police department. I was supposed to have received a call back from a fraud XXXX XX/XX/year> and have still received no phone call. The judge is was with, the Honorable Judge XXXX XXXX provided a letter stating I was with her from XXXX to XXXX which is the time these transactions took place. They have now placed my account in the negative and are holding on to {$840.00} of my money that was left in the account. Since then I have closed everything and gone to XXXX XXXX except the checking since I am hoping I will get my money back. Please help me put a fire under them to do a proper investigation other than a geographical location.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a XXXX lease, with a co-signer that terminated in XX/XX/XXXX. In XX/XX/XXXX, I declared XXXX XXXX bankruptcy. XXXX Credit stated that a re-affirmation was automatic if we continued to make payments, and no paperwork would be needed. ( Specifically, customer service told me and my lawyer " we ( XXXX Credit ) don't do paperwork anymore '' ). I assumed that my credit report would reflect ongoing payments, but it never did -- only indicating that I declared bankruptcy, meanwhile notating a repossession that occurred in XXXX. 

Upon the conclusion of the lease, I sold the vehicle to a dealer. Following a dispute to XXXX, XXXX Credit 's credit bureau reporting has since been updated to only state " Chapter XXXX bankruptcy '' with no mention of the repossession or any negative remarks. However, my XXXX and Experian still contain negative remarks and negative payment history ( meanwhile not indicating a high/low balance or anything like that ). Because I declared Bankruptcy, there should not be any negative remarks on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this Complaint regarding the fraudulent information I found on my credit repport. The items I am disputing do not relate to any transactions I have made or authorized. I have reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I have been a victim of Identity Theft, my information was stolen and used to open these items without my permission or knowledge I therefore request that you immediately remove these fraudulent items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Below is the list of the fraudulent items I found on my Credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 In accordance with the Fair Credit Reporting Ac Section 605b, I am requesting that you remove the disputed accounts and information off of my Credit File as soon as possible.
Product: Credit reporting or other personal consumer reports

The following items on my credit report are inaccurate or erroneouXXXX 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 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 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

I have noticed that my credit report contains incorrect personal information, which has led to the appearance of this unknown and inaccurate account. As a victim of identity theft, my personal information was used fraudulently, resulting in an item on my credit report that I have no connection to. Following the major bureaus ' instructions, I filed an FTC Identity Theft Report and submitted it along with the required documentation. However, despite my efforts, this fraudulent item still remains on my report.