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

This is my request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please delete the following fraudulent items : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance XXXX XXXX {$0.00} ; XXXX XXXX  XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$1000.00} ; XXXX XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXXXXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$1000.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$1100.00} ; XXXX XXXX XXXX  Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$1000.00} ; XXXX XXXX XXXX Balance Owed : {$1100.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

i received my discharge letter of approval in XX/XX/2018. i have contacted XXXX XXXX XXXX and XXXX about updating the information on my credit report as all accounts and forgiven to paid in full. i spoke to both departments and they both gave me the run around about who reports to the Credit Bureau to get this information up to date and accurate. i do remember reading and being informed it could take up to 60 days for processing to be be complete and updated. this inaccurate information is still showing on my credit report and i am in need of someone to update this as paid in full and current with XXXX balances. thank you Sincerely, XXXX Veteran
Product: Credit reporting, credit repair services, or other personal consumer reports

TO WHOM IT MAY CONCERN, I HAVE RIGHTS WHICH YOU CONTINUE TO OVER LOOK! You the credit bureau are also a debt collector! And are in violation of my rights as a consumer! The FTC will be made aware of this also! For your deliberate abuse and malicious intent to not scrutinize the law carefully, I will be forced to take Federal Action! If I've told you ONCE I shouldn't have to tell you over and over again! This is my LIFE are you really doing your JOB? " SCRUTINIZE 15 USC 1681 ( a ) ( 3 ) ( 4 ) very carefully ''! You must not know who I am, and how much power I actually have! 28 USC 3002. The United States is a Corporation that I am not a citizen of, BUT A CONSUMER and also an administered agent according to 15 USC 1602 ( o ). Now the term Consumer means any natural person obligated or " ALLEGEDLY '' obligated to pay any debt. 15 USC 1692a ( 3 ). Under the FDCPA I want you to Validate any debt you say I have on my CONSUMER REPORT! There is abundant evidence of the use of abusive, deceptive and unfair debt collectors. Which you happen to be one of! There are no laws in place for debt, the only law is to protect me the CONSUMER from debt! 15 USC 1692g ( c ) ADMISSION OF LIABILITY. The COURT can't say I owe it if I say I don't! So who else can say I do ... YOU? NO ONE!!! PROFF THAT A DEBT COLLECTOR CAN NOT VALIDATE A DEBT. I am the original creditor and consumer, security interest secured my obligation. The term credit card means any card or other credit device existing for the purpose of obtaining money! So my social security card is also a credit card, with an INDEFINITE amount! 15 USC 1602 J. TRUTH AND LENDING OPEN END CREDIT PLAN! Social security cards belong to the social security administration. I give it back to them at there request. So there for I'm just an administered agent, I DON'T OWE ANY DEBT! 18 USC 8 will provide that information to you. Again, REMOVE ALL DEROGATORY MARKS FROM MY CONSUMER REPORT AT ONCE! REMOVE ALL XXXX  XXXX {$680.00} {$580.00} {$550.00}. REMOVE XXXX XXXX  {$2600.00}. REMOVE XXXX  XXXX  {$1100.00}. REMOVE XXXX, XXXX XXXX XXXX {$910.00}. REMOVE XXXX XXXX {$230.00}. REMOVE XXXX  XXXX XXXX {$7300.00}. REMOVE ALL XXXX XXXX {$280.00} {$240.00} {$290.00} {$240.00} E.T.C. SO LET IT BE WRITTEN, SO LET IT BE DONE!!! P.S THIS IS NOT A GAME ... THANK YOU FOR YOUR CLOSE SCRUTINIZE OF THIS MATTER!
Product: Debt collection

Continuously accused by Truist Bank, after having to file identity theft for accessing credit report without consent to deny Home Equity Loan, being accused of depositing a fraudulent check, now after breaching their own agreement for a cash reserve line of credit that was not due for payment until the following month. Truist has put it in collection, but not informing the collect agency that the funds they used to pay the line of credit cash reserve came from the fraudulent check and the payment was not due til the following month ( XX/XX/XXXX. Replied to collection agencys email XX/XX/XXXX I received on XX/XX/XXXX and mailed them copies of date cash reserve was due for payment, other documents to show Breach of Agreement by Truist XX/XX/XXXX. Truist for some reason is trying to ruin my credit and my life, but willing to say why this is happening.
Product: Checking or savings account

Hi This collection agency call financial recovery service INC they are sending me the letter because they said this account is charge off basically what happened they close this account and I dont even know I tried to call them last year they did not respond to me but they close my account already last year beginning of last year and I try to call them and tell them I had a hardship due to the pandemic and XXXX-19Because I was sick and my family and they are suffering so bad with XXXX we all are sick but they did not help me and he did not respond me and now they sending me this letter saying that my account is charge off and I have to pay this and also the reporting negative against me I would love to please help me on that hope you and the report and also ask for us for the payment and discharge of card That they never help me.
Product: Credit reporting or other personal consumer reports

I am writing this letter to convey my deep dissatisfaction and disappointment with the manner in which your bureau has responded to my identity theft complaints. This issue encompasses not just the theft of my personal data but also the apathetic approach exhibited by your bureau in managing my situation. 

I provided all the necessary documentation such as the FTC report I filed with Federal Trade Commission to prove my innocence and the criminal nature of the actions. Despite the gravity of the situation and the profound impact it has had on my life, the response from your bureau has been alarmingly lackluster. I have received minimal communication regarding the status of my disputes, and the responses I have received were generic and unhelpful. This lack of attention and urgency has left me feeling ignored and abandoned by the very institution I relied upon to protect my credit and financial well-being. 

I implore your bureau to take my identity theft case seriously and expedite the investigation process. I request that you thoroughly review the evidence I have provided and promptly remove the fraudulent accounts and transactions from my credit report. Additionally, I ask that you take steps to prevent such incidents from happening in the future, as it is clear that my personal information was mishandled and abused. 
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
Product: Mortgage

I contracted with XX/XX/XXXX to build my house for {$700000.00}. I gave him a {$100000.00}. downpayment & financed the balance with Assurance Financial. Although the loan came to {$610000.00}, after he received {$600000.00}. from my finance company he was only due a balance of {$650.00}. based on our contract. Instead XXXX XX/XX/XXXX he requested a {$13000.00}. final draw + {$2400.00}. totaling {$15000.00}. During the build we did 3 Addendums totaling {$16000.00} which equates to him receiving a total of {$720000.00}. of my money. The finance company informed me that he received {$31000.00}. ( in draws ) for items I paid out of pocket. When he requested the initial final draw, I questioned the {$31000.00}. & he ceased communicating with me. Finally, XXXX XX/XX/XXXX he sent notification of a lien placed on my house for {$56000.00}. I've requested to be provided what this money is for but haven't received it. Now, after not holding the builder to a completion date, the finance company has issued a demand letter for the {$600000.00}. they paid the builder to close on the construction loan in 30 days or I'll be in default & lose everything, knowing that someone has offered the builder {$1.00} XXXX for my house & I have no way to pay this money by XXXX XX/XX/XXXX. After all this the builder has vandalized my house & took the 4 AC units so now I have to pay for the repairs & replacement before I can even attempt to get a final inspection. PLEASE HELP ME
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax once a month sinceXX/XX/XXXX after my credit report is updated, using their consumer complaint as well as through XXXX XXXX requesting that a paid closed account be removed from my credit report with no response and no resolution. I was told by the company in which I had the debt back in XXXX to allow at least 60 days for it to be removed. It indeed reflected paid/closed and then ultimately removed from my report by the other bureaus. My credit report shows no activity and no new reports from the Company XXXX XXXX XXXX XXXX XXXX XXXX for this account sinceXX/XX/XXXX when it was reported as paid in full. This item is listed as derogatory, is keeping my credit score under 600 and preventing me from building and getting new credit.
Product: Student loan

I overpaid Mohela {$180.00} on my student loans before the loans were forgiven. On XX/XX/XXXX, I requested verbally that Mohela refund my account balance, and Mohela customer service told me that they could not do that because the Dept. of Ed. " handles overpayments. '' This isn't accurate. I followed up by requesting the refund from Mohela in writing on XX/XX/XXXX. Mohela responded in writing : " Dear [ NAME REDACTED ], Thank you for contacting MOHELA. Please accept our sincere apologies. We regret that you had a less than satisfactory experience during your interaction with us. We value your feedback, as we understand how important it is to offer exceptional service. Regarding your request ( XXXX ), Our records indicate, an escalated request to refund the credit balance has been submitted on XX/XX/XXXX. Due to the time frame involved ; we have sent your request to be expedited. Once this has been processed, we will send you an updated response. Please allow up to 15 business days for processing. We thank you for your patience. Refunds from the Treasury may up to 90 business days. '' I requested an update from Mohela via email on XX/XX/XXXX and was told that my case was too complex to handle in writing and that I would need to call Mohela to discuss the matter. I filed an additional complaint with Mohela on XX/XX/XXXX requesting an update in writing. I called Mohela on XX/XX/XXXX for an update and spoke with a customer service agent named XXXX, who told me I had a XXXX balance and asked me " where I was getting my information. '' When I provided the dollar amount, he told me that he " was able to find the information '' and that they would " submit a ticket to escalate the issue, '' which takes " 5-7 business days. '' I called on XX/XX/XXXX and was on hold for a total of two hours after speaking with two customer service representatives who " could not see my account info '' and " couldn't help me. '' When I was transferred to " someone who could help, '' those representatives did not pick up the phone. It's been 191 days since I requested a refund in writing. Mohela has acknowledged that a refund should be processed, and they refuse to initiate a refund of the funds they owe me or provide an update. They simply state that they continue to look into the matter. They've asked me to call their customer service department if I require an update, which takes hours and yields no substantive information or action.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of account below has violated my federally protected privacy and confidentiality under 15 USC 1681. 


XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX- Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX- Account Number : XXXX XXXXXXXX XXXX- Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) - Account Number : XXXXXXXX XXXX- Account Number XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX- Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX Account Number : XXXXXXXX XXXX-Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX  Account Number : XXXX XXXX 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.

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 items of information, other than records of convictions of crime which antedates the report by more than 7 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 have reasonable cause to believe the information is inaccurate.
Product: Mortgage

My wife XXXX and I have owned our home in XXXX, MD for over 17 years and we never had any problem with our mortgage until my wife and I both became ill from Covid. We are both retired on fixed income and XXXX and because Rocket Mortgage has been unwilling to work with us we are in foreclosure. When we first got sick our lender Rocket Mortgage gave us a forbearance for XXXX months to help us get by during the pandemic. We both recovered and began making our payments again but then I had long term problems from XXXX which led to XXXX XXXX, XXXX and XXXX  and we again fell behind. We got back on our feet a few months ago and resumed making our payments and Rocket Mortgage told us to apply for help to take care of the late payments. Last month Rocket told us we were approved for a repayment plan to catch up on the late payments, but this plan doubled our monthly payment from {$690.00} to {$1300.00}. My wife and I are both retired and on fixed income and have large medical bills. We can't afford a repayment plan that doubles our payment for XXXX months. My wife and I want to know why Rocket Mortgage would provide " help '' that puts us into a situation where we can't afford our house?? We are now in the beginning of foreclosure and falling further behind each month. My wife called in to talk to Rocket and said we can't afford this and their agents told us " too bad if you can't afford it we will start foreclosure against you. '' This seems wrong. 

I am a veteran of the United States XXXX XXXX and worked in construction for almost 40 years. After that I continued working as the maintenance man at the local hospital until my health issues caught up to me in 2020, and are now so serious that I can no longer work. My wife XXXX XXXX used to work in medical care and home care and had been putting in some extra hours as XXXX driver to help make ends meet until her health issues caught up with her. The doctor found several masses behind her XXXX which they thought to be XXXX, and she had a XXXX removed and is still recovering. However, the cost of these different procedures has been more than $ XXXX. We are surviving and paying our bills with our Social Security and XXXX pension. 

We have a FHA loan that is backed by HUD and they offer programs such as partial claim or payment deferment and also loan modification to help struggling homeowners who are behind on their mortgage. Why didn't Rocket Mortgage consider us for these programs? These programs would lower our payment or keep it the same. As a servicer of a government loan who offered a Covid forbearance I thought they were required to allow access and review for all government programs for struggling borrowers. This did not happen, and when we call in their agents tell us the repayment plan is the only option.
Product: Debt collection

I contacted this collections agency back in XXXX regarding the validity of this account. According to my FCRA rights, the company has 30 days to verify debt or it must be deleted. I have never received validation.
Product: Student loan

I have Time with this with the forberance or Repayment Plan. I can't play. Lost my job, I'm search for a job. At this moment I don't have job.
Product: Credit reporting or other personal consumer reports

This is my several endeavors 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, remove 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am writing this letter due to a previously disputed debt already settled by way of complete removal/deletion from XXXX, XXXX and XXXX with the aid of the CFPB investigation - Please refer to CFPB former complaints # XXXX and XXXX. However, I believe that the original creditor XXXX XXXX has sought to ignore the Fair Debt Collection Act and or Fair Credit Reporting act by continuing to pursue a debt not owed even after it was investigated by the previous debt collection company called XXXX XXXX XXXX XXXX. XXXX XXXX has had plenty of time to investigated this matter through their third party debt collection partners and each time they failed to provide their third party debt collection partners with credible evidence of a debt owed. My previous complaints which are listed above highlights my position and credible facts why I do not owe XXXX XXXX  or anyone else a debt. Today, I received a call from yet another third party debt collection company called " CREDIT MANAGEMENT , LP '' who are pursuing the same debt in the amount of {$170.00} which has already been settled and DELETED. Though the amount differs from the original debt amount, it is the same disputed debt which was deleted by the last third party debt collection company XXXX XXXX XXXX XXXX XXXX. ) Furthermore, I believe that consumer protection laws are being blatantly violated by XXXX XXXX in their never ending pursuit of a debt I do not owe which was disputed and subsequentially deleted/removed from all major credit reporting agencies. Those third party debt collection agencies which I have previously mentioned above are contracted on the behalf of and or represents XXXX XXXX interests and given that this un-owed debt was previously investigated and as a result of the CFPB investigation was removed. i wish to no longer receive any communication in regards to this resolved matter by CREDIT MANAGEMENT , LP and or XXXX XXXX and that any attempts to further tarnish my consumer credit report by submitting false debt be considered a direct violation of the Fair Debt Collection Practices Act and or the Fair Credit Reporting Act prosecutable by State and Federal Law. I need to matter to be put to rest once and for all. Thank you for your understanding concerning this matter.
Product: Credit reporting or other personal consumer reports

Recently I looked at my credit file and found info that can't be verified and info that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate.

The following accounts are a result of Identity theft! Please take action and remove them from my credit report asap! 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX # XXXX - XXXX XXXX XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date XXXX XX/XX/XXXX
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 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.