23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I XXXX XXXX XXXX XXXX XXXX widow whom lost her 35 years marriage partner with covid in XXXX, whom been financially broken since the loss of my husband my life partner whom basically handled all of our finances for 35 years and our mortgage payments asking this lender ( Rushmore Loan Management ) to stop the sale on XX/XX/XXXX, I have submitted everything to them since last week, they keep telling me I need to wait for my specialist XXXX XXXX to review the documents for the last week and she been out since last week and no one in loss mitigation is helping me and I have given them everything needed and not needed and over for a week already and I have emails confirming receipts of my documents, please help me stop the sale. XXXX XXXX widow and have no other place to live please, they harassed during the whole process by asking me for documents not even needed for the modification such as tax returns for the contributor my nephew who isn't on title, but he helps me financially, we even send that too, they are terrible mortgage company, have no structure and no compassion. please help me it urgent to stop the sale of my home I was referred to you by XXXX from XXXX they also have a case open Cas # XXXX thank you and XXXX bless, my call back is XXXX. please save my home, This is the only one home left in my name since my husband XXXX now Rushmore has a sale date on my home this upcoming XX/XX/XXXX, Rushmore is conducting unethical lending practice in the state of California and this type of misconduct will lead to unnecessary legal actions that will only cost unnecessary costs to both parties. Rushmore needs to abide by the law and ethics of this practice if they want to continue service loans in the state of California period. I contacted XXXX today and they advised me there is many outstanding consumer complaints against Rushmore Loan management for the same type of concerns and lawsuits brought against Rushmore as well. I hope that I wont need to bring a lawsuit to save my home. Please am elderly and a widow and XXXX too so please revise the decision and offer me an affordable workout plan.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent XXXX, Experian, and XXXX  FTC Reports and FCRA 605B letters to substantiate my disputes against fraudulent activity on my credit reports, but have been repeatedly ignored.
Product: Checking or savings account

Someone hacked into my dad 's USAA account, transferred money into my account and then transferred {$2600.00} out of my account. USAA said it will take XXXX days to get me the money back but I need it now, this is my only money. They also said I may be responsible for any overdraft fees which is not fair.

I also received a call from supposedly the CEO of USAA 's office and when I called back, they were unable to verify if it was a legit call.
Product: Debt collection

Barclays bank Delaware reports that an account with a balance of {$3400.00} was closed XX/XX/year> and they are still reporting it on my credit resulting in a lower score.
Product: Credit reporting or other personal consumer reports

I have noticed several items on my XXXX XXXX that I do not recognize, which suggests that my XXXX may  have been stolen. I did not authorize these accounts, and I have previously raised this issue. I am now requesting that these unauthorized accounts be removed from my XXXX  immediately. Their presence is causing me XXXX XXXX and does not accurately reflect my XXXX XXXX or financial management. Addressing this issue has been challenging, and if it is not resolved, I am prepared to take legal action to protect my rights. These erroneous items are severely impacting my ability to achieve important financial goals, such as purchasing a home and supporting my family. I hope we can resolve this matter promptly.
Product: Payday loan, title loan, or personal loan

They will not work with affordable payments even though my loan was impacted with covid they have called my work saying they have a judgment but won't provide me with any proof they have drained my account several times they lie they have forced me in to bankruptcy rather then try try help
Product: Credit reporting, credit repair services, or other personal consumer reports

FTC Violations Wrong name - XXXX XXXX Please remove these address, do not live there : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX # XXXX XXXX, TX XXXX XXXX XXXX XXXX # XXXX XXXX, TX XXXX XXXX {$740.00} XXXX XXXX  {$570.00} Inquiries - XXXX XXXX
Product: Credit reporting or other personal consumer reports

This letter is regarding this account which you claim I have a collection with your organization. This notice is to let you know your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including Experian, XXXX and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the Fair Debt Collection Practices Act FDCPA 807 [ 15 USC 1962e ] ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking up to {$5000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act You will be required to appear in a court venue local to me, since you are clearly doing business in my area. 

For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. 

Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 

XXXX XXXX XXXX Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action Have a blessed day!
Product: Credit card

Per my credit report, TD Bank USA/Target credit card XXXX XXXX on XX/XX/XXXX. I have never applied for a Target credit card, I am an authorized user on my wifes account. 

Im not sure of the exact date I became aware of this new card on my credit report. I have had several issues with fraud in the past, and had thought my credit was frozen to protect me. I am guessing it was XXXX or XXXX of XXXX, months ago when I received a letter in the mail from Target saying I had a balance due. I called the number on the letter that day and asked questions- at first I thought it was related to my wifes account as authorized user. When I realized it was not, I told them it was fraud and they said they would investigate and get back to me. 

A few weeks later I received another letter saying my fraud claim had been denied because it was opened with my personal information, the card had been mailed to my address, it was activated by my verified phone number, and there was prior communication with their collections department. 

I called the XXXX number on the letter for Dispute Resolution and talked to an agent. I tried to ask them to confirm the information associated with the card- they said it was XXXX XXXX. They read off an email and phone which were not mine, but would not repeat or send that information to me. I only heard it the XXXX time verbally. 

I then reported the fraud to XXXX, however it was verified as accurate. 

Last week, I received a letter from a collection agency for this debt. I wrote them a letter that this is not my debt, this is fraud, and I will not be paying the balance as I did not open this card, I have never applied for a target credit card, and I did not benefit from the purchases attributed to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

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

As a consumer I have the right to maintain an accurate, up to date, and % 100 true consumer credit report. Please understand that I am fully educated on the Fair Credit Reporting Act. 

As a consumer I am also educated on the dispute process and E-Oscar and I feel that I have invested a great deal of money disputing items that are in error which should not be reporting on my credit report. XXXX, Equifax, and XXXX  continues to validate propagated errors throughout E-Oscar. No human being is actually handling these disputes and this is just plain illegal. As a consumer my credit report should be % 100 accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I  believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX   XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Product: Credit card

Truist XXXX credit card refuses to remove a {$7000.00} dollar fraudulent charge from my XXXX credit card.
Product: Credit card

I am a XXXX year- old widow of a world -XXXX XXXX XXXXXXXX I paid a veterinarian {$10000.00} for XXXX XXXX treatments for my dog in early XXXX. I was told if the treatments did not work I would be advised. When the treatments concluded, my dog started experiencing severe pain. The XXXX charged me another approximately {$6700.00} claiming the dog was suffering XXXX and other ailments requiring the removal of his right eye. They refused to do a XXXX scan to determine the status of the XXXX until I demanded it and refused to pay more unless they did so. The XXXX showed that the XXXX had not worked and the XXXX had spread to his XXXX. I had him euthanized that same day. I refused to pay some {$3000.00} in bogus charges for XXXX, etc following the XXXX. I disputed the charge with Citibank giving them the details of the scam. Citibank refused to accept my dispute and continues to bill me for the {$3000.00} plus interest. My credit has been affected. Although I filed a dispute letter with XXXX they apparently are not sending my letter with the credit report. I was recently denied a credit card by XXXX XXXX XXXXXXXX based on this information. 
I demand that the {$3000.00} plus interest and penalties be canceled. I paid the XXXX for the XXXX XXXX, XXXX and other charges that seemed reasonable in the amount of approximately {$3700.00} post XXXX.
Product: Mortgage

The Mortgage is in CARES Act forbearance. In XX/XX/XXXX I entered a Trial Period Plan with the servicer. Pursuant to the plan, I timely paid servicer 3 trial payments. The final trial payment was made on XX/XX/XXXX. I contacted the servicer several times asking when I would receive the modification documents and was told they were being processed. I called the servicer on XX/XX/XXXX and spoke to XXXX XXXX. She requested trust documents which I sent her the same day. She responded to my email and confirmed receipt of the trust documents. Unable to reach the servicer by phone, I sent a letter on XX/XX/XXXX by registered mail asking that the loan modification documents be provided. I did not receive a response. I called several more times to inquire about the status and was finally told last week that the trust documents had been misplaced and therefore servicer had sent me another Trial Period Plan, requesting that I make another 3 trial payments. I was told the new Trial Period Plan proposal was sent on XX/XX/XXXX. Today is XX/XX/XXXX and I still have not received it. I would prefer that the servicer and lender not breach the original bargain and send me modification documents to sign pursuant to the original Trial Period Plan letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, and XXXX  FCRA violation on my credit they put a XXXX account that was removed back on my credit without notifying me
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXXXXXX XXXX XXXXXXXX {$0.00} XX/XX/XXXX XXXX XXXX {$130.00} XX/XX/XXXX XXXX XXXX XXXX {$590.00} XX/XX/XXXX XXXX  {$1600.00} XX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and XXXX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, so I require you to send me all the documentation to prove that this information is accurate. I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

other accounts could not fit in the FTC complaint XX/XX/XXXX Collection Agency XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$35.00} High Balance {$35.00} Remarks Medical XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$270.00} High Balance {$270.00} Remarks Medical XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$230.00} High Balance {$230.00} Remarks Medical XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX Hippa violatons and FRCA violations
Product: Mortgage

My name is XXXX XXXX. I am a XXXX year old widow and surviving spouse of XXXX XXXX. 

We had a Reverse Mortgage but I was not on the deed, yet this was my homestead for over 35 years. 

I was forced into bankruptcy and finally given time by the courts to take my homestead through bankruptcy. 




My husband passed XX/XX/XXXX. It took Financial Freedom until this year to realizethat I was the surviving spouse although it was listed on the death certificate the entire time as I had mentioned. 




My home was flooded and bathroom damaged. I do not have a fully functioning bathroom. 

Mold is growing in my home because of this, The XXXX/Financial Freedom received theinsurance check in XX/XX/XXXX. I was told that I had to go through probate first. 

I wrapped that up in XXXX. I was told that the XXXX check was mailed out on XXXX XXXX via regular mail. 

As of XXXX XXXX, I have not received the {$2000.00} installment of {$6000.00}. I owe contractors because the job is more than the {$6000.00}, but I have started making payments on the difference. 




My home is making me sick and this matter has stressed me out beyond measure. 

I can not have my home refinanced without the bathroom completed. I have been trying to resolve this matter. 




I have spoken to numerous individuals in the point of contact department. 

I have spoken with XXXX XXXX of the XXXX have emailed his manager, XXXX appears as if I am intentionally being dragged out to wear me down towards the XXXX XXXX sale date. I do n't want to re-file bankruptcyI am contacting the OCC, AARP, The Florida Financial Office of Regulation for Insurance and anyone else who can help me. 




I am desperate. I live off of fixed income, my husband 's social security and I work to make ends meet. I am XXXX years of age and I need help. This is not fair to me. 




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

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the XXXX credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report XXXX XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

Hello there, in XX/XX/year> I had reached out to ComenityCapital Bank for their Smile Generation Card. 

I am a recent graduate and lost my job. I had reached out to this company to make arangemnts to get my account back on track. Upon speaking to a representative in XXXX, we came to the agreement that I would pay $ XXXX on the first of every month. 

Now, After making the first payment on XXXX XXXX, I noticed a late paymen notice on my credit report. Contacting Comenity Captial, they shared that after three payments, they would correct the eroor so that my credit report does not say late. This was confusing as I do not understand why they would repot late, even though I was and am not. 

As I made payment in XXXX, XXXX and XXXX, my credit report is deteroirating due to this company contiously reporting XXXX, even 60 days late! This is very innacture and has impacted my other finaces and credit score. 

In many instaces I paid with more funds and days before the requested due date on my statements. 

XXXX statement will reflect - Minimum Payment Due : {$58.00} - Payment Due Date : XX/XX/year> I made a payment of {$70.00} on XX/XX/year> XXXX statement will reflect - Minimum Payment Due : {$57.00} - Payment Due Date : XX/XX/year> I made a payment of {$70.00} on XX/XX/year> XXXX statement will reflect - Minimum Payment Due : {$55.00} - Payment Due Date : $ XX/XX/year> I made TWO payments of {$57.00} on XX/XX/year> and XX/XX/year> I have disputed this account four-five times between XXXX XXXX XXXX with XXXX and no avail or changes. I am becoming more and more frustrated as something out of my control is starting to control other aspects of my fincial stability. 

In addition, I had purchased and paid for something called Account assurance as to cover if I were to lose my job, death, ect. Upon trying to request it, I was denied as I did not meet all of their details. So in addtion to this nonsence, I am paying almost {$1000.00} in payments for something that was to help me when I experienced a finacial need- no service was given.
Product: Checking or savings account

ON XX/XX/XXXX XXXX XXXX  XXXX Fraduently took {$53000.00} out of my business account under the guise of providing 1-year business mentorship and consulting by the international business coach XXXX XXXX XXXX However, NO contract was ever sent as promised and NO services have been received to date, and my multiple attempts to get a refund since XX/XX/XXXX have gone unanswered. After finally recovering from XXXX and being able to seek & obtain counsel my lawyer said this wire was taken under false and fraudulent pretenses. She said it was " Theft By Deception '' thus also it was " FRAUD '' and I am legally able to request a XXXX XXXX for the full {$53000.00} Wire Transfer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently while conducting a monitor of my credit report I discovered some items that have unverifiedinformation. I believe under the Fair Debt CollectionsPractices Act, I have the right to request that you allow me to validate the alleged debt. Additionally, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to use myinformation toathirdparty for the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX ; XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX Please provide breakdown of fees including any collection costs and charges 2.Provide a copy of my signature with the provider of service to release my informationto you.

3.Cease any credit bureau reporting until debt has been validated by me.

4.Please send this information to my address listed above and accept this formal complaint asmy formal debt validation request, which I am allowed under the FDCPA. Please note that the falsification of the information you received from any provider can be perceivedas a violation of the FDCPA because you will bedeceivingme after my written request of debt validation. I request full documentation of what you receivedfrom the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me tovalidateit may be a violation of the Fair Credit Reporting Act, which can allow me to seek damagesfrom a collection  agency.