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

On XX/XX/2022 I received a real time alert from the credit bureau that my social security was found on the dark web. On this date I pulled a copy of my credit report from equifax and noticed that there were 4 inquires that I did not request nor did I have any knowledge of. On XX/XX/2022 I sent a Fair Credit Reporting Act, Section 609 letter CERTIFIED MAIL to equifax exercising my right under this act to request information regarding the listed items. On XX/XX/2022 I contacted Equifax to do a follow up and a representative by the name of XXXX stated that inquires were factual information and could not be removed. I stated to her that I had mailed the certified letter and that as per Section 609, I am entitled to see the source of the information which is the original contract that contains my signature. She stated that 609 letters are not acceptable with Equifax. I am requesting that these items be investigated as that I did not request or apply for any new credit or product. I am also requesting that Equifax be investigated as to the way they handle potential identity theft or fraud. Thank you in advance for your time and attention to this matter.
Product: Credit reporting or other personal consumer reports

This letter serves as a formal demand for immediate action to address your blatant violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., in handling my dispute regarding fraudulent information resulting from identity theft. Your failure to act is both unlawful and intolerable. 

Violations of Federal Law 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Despite receiving my comprehensive dispute, including the FTC Identity Theft Report and supporting documentation, your agency has flagrantly failed to conduct a reasonable investigation into the fraudulent accounts. Ignoring evidence is not an investigation. 
2.Failure to Provide Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) Under the FCRA, you are required to notify me of the results of your investigation within 30 days. To date, I have received no such communication. This complete disregard for transparency further underscores your negligence and lack of compliance with federal law. 
3.Failure to Block Fraudulent Information ( 15 U.S.C. 1681c-2 ) You are legally obligated to block fraudulent information upon receipt of an identity theft report. By failing to do so, you continue to willfully allow the publication of inaccurate, damaging information in violation of my rights. 

Legal Precedents Highlighting Your Liability Your actionsor lack thereofare not without consequence. Courts have repeatedly held credit reporting agencies accountable for similar misconduct : XXXX XXXX XXXX XXXX ( XXXX ) : Reinforced your obligation to conduct meaningful investigations beyond relying on furnishers data. 
XXXX XXXX XXXX, XXXX ( XXXX ) : Confirmed that credit bureaus may not shirk their duties by delegating investigations to furnishers. 
XXXXXXXX XXXX XXXXXXXX XXXX ( XXXX ) : Demonstrated the severe consequences of failing to comply with FCRA obligations, including class-action liability and significant damages. 

Demand for Immediate Action I demand the following actions, without delay : 1.Conduct a thorough and reasonable investigation into the disputed accounts and fraudulent transactions. 
2.Provide a comprehensive written explanation detailing your investigation process and results. 
3.Permanently remove or block all inaccurate information associated with my identity theft. 

Failure to address this matter within the FCRAs legally mandated timeline will leave me no choice but to escalate this issue. I will : File formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 
Seek damages through legal action, including but not limited to statutory damages, punitive damages, and recovery of attorneys fees, as permitted under 15 U.S.C. 1681n and 1681o. 

This letter is your final notice to rectify your violations. Your failure to comply will be viewed as willful non-compliance with federal law, and I will ensure that the consequences of your negligence are pursued to the fullest extent. 

Please remove, block or provide me with your investigation results in written form through the USPS for this account : XXXX XXXX
Product: Debt collection

on XXXX I was contacted by my former employer that they received a certified letter for me to their personal address. The letter was a pre legal notification from Midland Credit Management about a debt they claim I owe. I was never notified of this debt prior to this notification AND they sent the letter to my ex boss 's home! The letter said I had until XXXX to pay the {$1200.00} they claim I owe for I will face legal action. On XXXX, I called the number on the letter and spoke with 2 individuals. The first said they could file a claim for fraud when I asked if they could verify the debt with me but would not provide the documentation I asked for to verify the debt. The Second Gentlemen I spoke with named XXXX XXXX an account specialist ) was rather accusatory and aggressive in his communication with me. I asked if they could mail the verification documents to me and he refused claiming I was " only trying to buy time ''. I repeatedly told him I am happy yo pay a debt I owe, however I am unaware of what this is and would like to just verify the information. He continued to be combative and unhelpful. He said they could email the documents to me but would not mail them BUT he would also not do that either. He directed me to the Midland website and said all the verification docs would be there. I logged on after I got off the phone with him and the ONLY documents available to view on their website for this particular debt are billing statements from XXXX and the letters sent from Midland that were mailed to the wrong address. 

During my conversation with XXXX, he acknowledged that they sent the correspondence to the wrong email and mailing address. He then said " Is that our fault that XXXX sent us two addresses? You can not blame us for that but we did send mail to ********* which you have said is the wrong address. I understand... but we did send mail. '' He claimed that even though the correspondence was sent to the wrong address multiple times the debt was still verified. He also continued to harass me about why my old boss didn't previously reach out to me regarding the other letter they sent to his house. He continued to ask that question multiple times after I said to him that isn't his concern and they should have sent all mailings to MY address rather than the address of my old boss. The information he disclosed on the call leads me to believe this is not my debt but these debt collectors refused to send ME the documents they sent someone who is not the alleged account holder. This seems particularly predatory to knowingly send debt collection correspondence to the wrong address and refuse to send that information to the correct address. This tactic seems insidious because they are unwilling to pause their legal pursuits to PROPERLY verify that this debt belongs to the person they are threatening to sue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Yes I got an account with self Inc credit repair I completed it on XX/XX/XXXX and I will include and screenshot of the verification where it says that I was going to be deposited into my account on XX/XX/XXXX I have yet to receive it I have contacted him several times to no avail they have blocked it to where I can not chat with them they won't return any of my phone calls they won't return any of my emails the last time I spoke to someone was on XX/XX/XXXX and was told that it would be whenever because they were doing a review on it I said no I have verification where you said it would be deposited on the XXXX they are in breach of contract with me and I've given him plenty of ample time contact you know to see if y'all can help resolve this because the next step I'm taking is a lawyer they owe me {$540.00} and I don't think it's right for them to have a business like this if they're not going to uphold the standards of a contract that's legal and binding because had I filled to oblige to it I wouldn't get anything or they could sue me how is that right
Product: Payday loan, title loan, or personal loan

I was approved for a personal loan with a cosigner. During the verification process I and my cosigner uploaded our social security cards, driver 's licenses, voters registrations, military identification, utilities bills with cosigner address that on credit report, incomes, and my phone bill with straight talk which is the only current utility bill I owe on. Pedfed still will not give us the loans and repeatedly requested that I uploaded my social card and identifications that I already uploaded several times. I feel I'm being stonewalled around by Pedfed because they're denying us the loans by repeatedly asking for information that we already uploaded or information Pedfed know we can't produce. For example, Pedfed asked my cosigner my fiancee to upload an utility bill from my prior address that belong to my parents and she not ever live there. My parents address is the address I lived before my fiancee and I moved in together. I called Pedfed and explained this to a bank manager and got no results. I feel I'm being discriminated against by Pedfed using the verification process to deny me a loan by requesting information I sent Pedfed multiple times or information Pedfed know I can not produce because it doesn't exists like asking fiancee for a utility bill from my parents address when she sent them a utility bill that matches up with the same address on her credit report.
Product: Debt collection

My Chase credit card was used for a fraudulent charge ( {$99.00} ) for some type of software. I was unaware of the charge because I'd paid that card off and wasn't using it. Then, in about XX/XX/year>, I started receiving collection calls from Chase Cardmember Services. I was advised of the charge and that it was past-due. I advised Chase that my Chase card had a XXXX balance and that the charge was fraudulent. They advised me to contact their Fraud Department. The following day, I contacted the Chase Cardmember Services Fraud department by telephone and told them that the charge for XXXX software was made without my knowledge or consent. I was put on hold several times and ultimately transferred back to customer service. At that point I made the decision to contest the charge and Chase 's collection practices. On XX/XX/year>, I mailed a letter to Chase advising of the fraudulent charge and formally contesting the validity of the charge. Chase 's response to my letter was dated XX/XX/year>. At this point, the balance due is {$160.00}! In their correspondence to me, Chase apologized for any inconvenience ( disingenuous platitudes, in my opinion ) but stated, " We are unable to waive the balance from this account. '' Chase is in violation of the FDCPA and FCRA. This is not about the money at this point ; it would have been much easier for me to simply send them a check and be done with it. This is about due process and rule of law. I've informed Chase of the fraudulent activity on my account and they essentially ignored the information and continue their illegal collection activities ( phone calls and mailed correspondence ) to this day. My FICO scores have been negatively impacted and as a consumer my rights have been ignored.
Product: Credit reporting or other personal consumer reports

Received a phone call from someone who said they were with XXXX and someone tried to open a new account in my name. They then handed me over to someone who said they were with your bureau and they said had my Experian credit report and started naming all my credit card accounts and how much I owed plus they had the last 4 numbers of my SS number. I hung up and tried to contact Experian on line by signing in but kept getting an error page. Tried calling but kept being asked to reverify my identity and they won't put me through to a live person to talk to. I've put freezes on the other 2 credit reporting companies but can't get through to Experian. I've even tried calling the phone numbers for their main headquarters but get the same recorded " help '' and the same run around.
Product: Mortgage

In XX/XX/XXXX, I paid the first installment of a 7 year interest only ARM with XXXX XXXX on my home. Over 7 years the mortgage passed through 2 other institutions, the last of which was JP Morgan Chase. 

By letter dated XX/XX/XXXX, I was notified by Chase that after 84 payments, my rate would adjust from 3.125 % to 5.125 %, effective XX/XX/XXXX. 

you had a 84 month period during which your interest rate stayed the same. That period ends on XX/XX/XXXX, so on that date, your interest rate and mortgage payment change. The payment due on XX/XX/XXXX will be the first payment at the new amount. ( Letter attached. ) On XX/XX/XXXX I sent my final payment at the 3.125 % rate - {$540.00}. On XX/XX/XXXX I received a letter from Chase saying that my XXXX payment was {$350.00} short. I called Chase to tell them that I thought they were mistaken. If my first mortgage payment was in XX/XX/XXXX, then my 84th payment should have been XX/XX/XXXX 7 years later as stated in their letter to me. Twelve payments a year over 7 years is, by my calculations, 84 payments. I asked them to please send me a letter accurately stating what they were asking me for. I never heard back from them. 

In XX/XX/XXXX I refinanced my mortgage with another institution. When I got the final numbers for that closing, there was a charge to me in the amount of {$350.00}, which I discovered was the amount Chase claims I owed them for the adjusted mortgage rate in XX/XX/XXXX. I contacted Chase again and asked them to please explain to me why a 7 year term I began paying in XX/XX/XXXX would run through XX/XX/XXXX. ( I attach p. 1 of XXXX XXXX Interest Only Period Adjustable Rate Note stating my payments were to begin XX/XX/XXXX. ) I asked Chase to either explain why I was being asked to pay an additional month or to send me a new letter stating the terms accurately or at least more clearly. If Im wrong, please tell me how Im wrong. They just kept saying I was paying a month ahead. But the letter says the money was due in XXXX thats when I paid it. And I made 84 monthly payments. I asked them to please send me a letter explaining how or why they now wanted the payment in XXXX. I was told there was nobody at Chase who could send me a letter they didnt have anyone who did that. Huh? I understand that Chase is the largest bank in the U.S. and the sixth largest bank in the world and they dont have anyone who can send me a letter explaining more clearly how they calculated the payment on my mortgage? 

Nobody has responded to me since. I would appreciate someone explaining to me how a 7 year loan term with 84 monthly payments runs from XX/XX/XXXX though XX/XX/XXXX. Or I would like a letter that accurately and clearly states why they took money from me in XXXX for a payment due in XXXX.
Product: Prepaid card

I have XXXX vanilla gift cards one card I activated it had a XXXX XXXX  balance and it was used at a target not by me. I believe it was used on the XXXX of XXXX. I got another XXXX XXXX  gift card and it came with the last XXXX digits scratched off as if it was scratched off with a key and It is still in my possession but I can't activate it or check my balance. After doing research this is a big problem going on that many people dealt with either the fraud or the serial number scratched off. I have got in contact with vanilla customer service and its hard to understand them because they are from over seas also they ask for too much personal information like pictures of my id it is not a trust worthy customer service so I refuse to give them personal information.
Product: Credit reporting

Equifax has re reported information to my credit file without doing a proper investigation.or sending me any documentation confirming that the action was going to be taken before reinserting information to my credit file. also i have several accounts on my credit reports. with incomplete or without information being fully investigated or verified as the information was deem fraudulent in the past on previous disputes and been removed. also equifax has refused to remove the information even though the information is deemed to be inaccurate or incomplete violating statues under the fair credit reporting act, also violations under the dodd frank act as well as the graham bailey act. Also equifax has listed a lot of fraudulent addresses on my credit report exposing me to risk that i should not be exposed to as being a consumer in the united states. Also there are accts that can not be verified or considered incomplete which was apart of the fraud, that had been removed for over two years have been placed back on my file without any proper notice being sent to the correct address which copies as well as personal information has been sent to theses fraudulent addresses. The Addresses that are reporting are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX va XXXX Also Accts from XXXX XXXX XXXX XXXX XXXX acct XXXX XXXX XXXX acct XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX acct # XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX # XXXX XXXX Bank Acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX acct # XXXX all these accts where reinserted back to my credit file without proper notice but also many of them with account numbers that do not exist or inaccurate information or information that is incomplete and never verified even after being told plenty of times of the discrepencies or of the creditors claiming to have not reported this information to equifax.
Product: Credit reporting or other personal consumer reports

After a review of my credit report I noticed fraudulent accounts on my report, please remove these reports from my account as it is prohibiting my ability to obtain credit
Product: Debt collection

phillips & Cohen sent me a letter in the mail attempting to collect a debt on or about the XXXX of XXXX. They tried to make it look as though they were doing me a favor by saying I could pay them 50 % or {$480.00} but I had to pay them by XXXX XXXX, 2022. They never made any attempt to verify or validate the debt, I never gave them or any of their partners permission to contact me about any debt, and they didn't even let me know that I had 30 days to dispute this IAW 15 USC 1692g. I only found this out after I started doing some research on my own. Then they even went so far as to threaten me and use bullying language at the end of the letter saying they would not cease collection activities until I payed the full amount.
Product: Bank account or service

SunTrust is illegally holding almost XXXX in funds consisting of personal and federal ( student loans ). Closed account without advising and still cashed checks and accepted deposits and has not returned these funds since XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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 602 A Sectio
n 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

This XXXX XXXX account is in breach of federal laws and so is Equifax by allowing this to remain on my report even after Ive disputed it multiple times. The account is over 7 years old which by federal law states that it must be removed from my credit report. It has been removed from my XXXX and my XXXX. Ive requested multiple times via dispute for it to be removed from my Equifax but it has not been removed. This account has hindered me from the advancement of my credit tremendously over there years, I am physically and emotionally tired of it stopping me from growing financially. This is my final request for removal before I begin legal processes against Equifax as a whole and XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I was told that these inquiries was not going to be hard pulls due to the fact I was apply for business funds. XXXX XXXX XXXX inquiry XXXX XXXX XXXX XXXX inquiry XX/XX/XXXX. XXXX inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I will appreciate if these inquiries was removed from my credit report quick and smoothly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've identified information on my credit report are a result of identity theft. these items are nonrelated to any transactions completed by me. 
XXXX XXXX XXXX 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 originally had XXXX fraudulent derogatory marks on my Equifax credit report and XXXX fraudulent derogatory marks on my XXXX report from the XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. My insurance provider covers my visits to the XXXX Associates of XXXX and I have never gone to XXXX XXXX XXXX XXXX. I disputed the mark from XXXX XXXX XXXX in XXXX with Equifax and it was briefly removed but then put back into my report after some time. I have been disputing the XXXX XXXX marks with both Equifax and XXXX from XX/XX/XXXX until XX/XX/XXXX with no success. Every time the marks where removed from my credit report, they have been inputed back in for the same number of marks and amount by XXXX or for double the amount and have increased the original XXXX derogatory marks to a total of XXXX derogatory marks by Equifax. I have spent a lot of time and effort trying to dispute these fraudulent marks for several years online and over the phone, each time the marks would be removed and then added back in some time later. The most recent action I took was in XX/XX/XXXX, but the marks were recently added back in by both Equifax and XXXX.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , inc ) due to inadequate customer service & unfair practices, which violates the customer Financial Protection act. ( CFPA ). Specifically Cash App failed to take timely an effective measures to prevent and address fraud on their platform. Leaving my account vulnerable and unprotected. Furthermore their dispute resolution was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, On XX/XX/XXXX I visited XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CO XXXX I was approved for a Lease on a XXXX XXXX. I signed the contract, they agreed to pay off our trade in with signed contract. We received a signed contract for our Lease payments etc. They called back 2 days and said we were not approved from XXXX and we had to return the vehicle. They ran my credit again with XXXX twice 3 days later after the signed contract which didn't make sense and then said we were declined. They decided to run my credit with the following companies without my approval. I never filled out an application with any of these companies. I would like them to fix my credit as by them doing that it has dropped 40 points. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
thank you very much! 
XXXX XXXX