23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Several recent attempts have been made to the creditor to settle this debt. My claim is that Ditech used Unfair and Deceptive Acts or Practices and was mislead me to believe providing additional information and establishing a settlement amount would lead to a resolution. Ditech stated it must receive financial documents in order to determine a settlement. When documents were received, Ditech agreed to settle in the amount of 10 % and made several calls to " see if we were on track '' to settle the account for the balance. Even as far as to see if I had applied for a loan to get up to the determined amount, I in turn requested the settlement in writing. Ditech, manager XXXX XXXX, specifically stated that they would honor prior conversations stating a 10 % settlement offer. Additionally, Ditech approval manager XXXX, called to gather more personal and private family details, even ethnic background, family size and financial information and related individuals. I advised that I was unwilling to provide such information and was awaiting written documentation of the 10 % settlement agreement. As of XXXX/XXXX/15, Ditech has not called or returned an messages and has not provided the settlement offer. Ditech was made aware that our contact was only made in attempt to settle the debt. By providing the specific settlement amount and agreeing to honor prior communication, Ditech mislead, me as the consumer, by not following up with their promises to settle at 10 % and provide a lien release. I did not receive a settlement offer as discussed nor has Ditech returned or made calls to make good on the promise. Ditech requested extensive financial documents with no intent to settle the debt. Please review FTC XXXX XXXX XXXX legal standards. Ditech has successfully avoided contact with me since XXXX/XXXX/2015, no follow up on dates promised and has deceived me at the debtor. Contrary to our prior conversations on XXXX/XXXX/15, Ditech had no intent to contact me and has continued to act unfairly by deceptively requiring financial and personal information for a settlement and avoiding contact. Ditech mislead me by not following up as promised, by not providing the settlement after calls were made to " keep us on track '' providing the settlement amount without providing the written or supporting documentation. Ditech, formally greentree, has used this practice in the past by promising a account resolution by providing financial documents and no longer responding. They 've used malicous tactics and made degoratory comments regarding my health and the health of my children and family. That is misleading and deceptive and gives consumer false hope of resolution. Specifically providing an amount of settlement and no longer following up is antagonizing and misleading. Additionally, I have discussed my situation with other Ditech account holders and I have reason to believe that other borrowers in a similar financial position but of a different gender and ethnic background have not been treated similarly. I would like this situation resolved immediately.
Product: Mortgage

I was working with Rocket Mortgage a XXXX XXXX XXXX XXXX On XX/XX/XXXX we discussed closing and I said it was super high regardless I sign paper work and {$500.00} for good faith if the loan. XXXX XXXX I worked with another broker with a better loan. Several times I emailed him said Im done with Rocket and withdraw my loan- I have a 5 day grace period. he advise the appraiser is out or on his way I said cancel. I call and work with a XXXX XXXX on getting a refund. She waits another few days and said XXXX charging you {$370.00} for XXXX XXXX  he wasnt there. I am waiting another week and still nothing. This didnt happen on XX/XX/XXXX and are trying to keep my money. I have my realtor looking into how many people used the lock box that day. They wont provide time stamps of pics nothing at all from them yet being charged for it. It doesnt take almost 2 weeks to provide this information. I called XXXX XXXX XXXX and he claims when he got there was canceled but still took pics and did the report? This is a scam for the {$500.00}! He didnt take pics and if so was days later because apparently sent the information over on XXXX  and didnt provide pics, they are trying to rip me off for that money.
Product: Credit card or prepaid card

I have not received any statements from the company, and I called to inform them and there were 2 late fees on the account, they refused to credit both fees even though I have not received any bills, I signed up for online services today and paid today and they only credited 1 fee as a curtesy even though I have never received a statement
Product: Credit reporting, credit repair services, or other personal consumer reports

During XX/XX/2018 I obtained a copy of my credit report and noticed numerous of inaccuracies with Equifax. I informed them by disputing the inaccuracies for the last several months & the issue is getting very frustrating because it continues to affect my credit negatively. 

The accounts that I have an issue with are listed below : UNKNOWN ACCT # XXXX AMOUNT : {$59.00} UNKNOWN ACCT # XXXX AMOUNT : {$69.00} UNKNOWN ACCT # XXXX AMOUNT : {$59.00} UNKNOWN ACCT # XXXX AMOUNT : {$200.00} XXXX XXXX ACCT # XXXX AMOUNT : {$1000.00} XXXX XXXX XXXX ACCT # XXXX AMOUNT : {$390.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act XXXX  XXXX XXXX  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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

On XX/XX/year> & XX/XX/year> ; I sent certified dispute letters to Portfolio Recovery Associates in regards to a collection account that they are actively reporting to the credit bureaus. Certified tracking numbers XXXX shows it was delivered on XX/XX/year> & XXXX delivered on XX/XX/year>. As of today they have failed to respond to either letters and are in direct violation of the FDCPA.I requested validation and proof that the debt is legally mine by asking for a contract, promissory note or agreement with my signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit agency is reporting bankruptcies on my credit report. When I disputed, they stated the information was verified. I reached out to the bankruptcy court and asked what method of verification was used. I was told in writing that they DO NOT report to credit reporting agencies. When I asked the credit agency how it was verified, they stated through an e-verifier.
Product: Credit card

I had an unauthorized purchase on the credit card for Amazon Audible. I contacted the bank and they reversed the charge and sent me a new card. However, they did not block the old card and I kept getting charges from Amazon Audible. I again contacted the bank. They again sent me a new card with a new number. However, they not only reversed the Amazon Audible charge but reversed a whole bunch of authorized transactions. I contacted the bank again and went through all of the transactions to re-authorize them. However the bank refused to re-authorize the transactions. My Amazon account was frozen, I received nonpayment and past due notices from XXXX XXXX XXXX and other vendors. 

I can not understand why the bank reversed authorized transactions and them refused to fix the problem after I re-authorized the transactions. They offered me no explanation.
Product: Credit reporting or other personal consumer reports

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

On XX/XX/XXXX, XXXX XXXX XXXX charged me XXXX. I filed a dispute with Discover and they temporarily credited XXXX back during investigation on XX/XX/XXXX. On XX/XX/XXXX, they re-posted the amount back and I contacted the seller and they said they returned the money. I called Discover and they opened an investigation case and temporarily retuned XXXX again on XX/XX/XXXX. Then they charged it again to account on XX/XX/XXXX, even the seller said they return he money. I want a explanation on why the problem was never solved?
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX $ XXXX Opened : XX/XX/XXXX DSNB XXXX $ XXXX Opened : XX/XX/XXXX XXXX $ XXXX Opened : XX/XX/XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX DSNB XXXX $ XXXX Opened : XX/XX/XXXX XXXX $ XXXX Opened : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my FTC REPORT and Credit letter off on XX/XX/2022 to Equifax. I told Equifax to remove 4 fraudulent accounts : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX. I also told the credit bureaus to " investigate every piece of information '' on the accounts I have listed above. I also attached the letters I sent out and here is the Tracking numbers : XXXX. 

According to the FRCA, the term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % accurate.

And according to the FRCA 15 USC 1681 everything has to be 100 % accurate. My credit report needs to reflect the deleted the above accounts
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. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : # XXXX, Account name : XXXX XXXX XXXXXXXX, Account name : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

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. 

The vehicle was fully paid off in XX/XX/2023 account currently shows as closed on their app
Product: Mortgage

I have contacted My mortgage company several times to refund my interest on the Loan I also sent them a recission Notice and they did not refund my money back. I also have a copy of the promissory with not proper endorsements. And have requested from Bank of America to show them proper endorsements and assignments. My last letter I sent to them was dated XX/XX/20 advising them that the promissory note is my signature and furthermore its not endorsed by the original lender and that I have sent recission notice and yesterday by fed ex I received another copy of the promissory with endorsements and now the original signature with my name and on the second copy of the promissory notes dont even match. My signature has forged on both documents. You can clearly see these signatures do not match. They are forging my signatures on the promissory. Same document has different signatures one with endorsements and the other without endorsements. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to correct this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information in my file. 

This item XXXX XXXX XXXX for {$340.00}, XXXX XXXX XXXX XXXX, and XXXX XXXX Credit entries are inaccurate because I did not own any of these items charged to these accounts and I do not own any account listed as such. I am requesting that the item be removed to correct the information. 
Please review all of my supporting documents including letters to XXXX since the debt that they claimed I owed so long ago was false and now under a different name XXXX XXXX. I do not owe this debt. XXXX has removed this info at one time. It was also transferred over to XXXX XXXX XXXX, XXXX, and XXXX XXXX at one point. All of the creditors have been in violation in accordance of the Fair Debt Collection Practices Act and have been corrected 8 years ago. These false accounts have denied me recent credit and loans. I do not have any of these accounts opened in my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, New Mexico, is claiming what I consider to be a fraudulent debt on an account I thought was long closed. 

This bank claims that they held a negative balance on this account, which I thought was closed, for 2 years, from XX/XX/XXXX until XX/XX/XXXX, and then " wrote off '' the debt in late XXXX. 

I closed this bank account in XXXX of XXXX. I have told them that any checking activity on this account after that date would have been fraudulent and I do not agree that I owed them any money. 

This bank never sent me ANY NOTICE of the alleged debt, before they sent it to the credit reporting agencies as a " write off ''. The first time I even gained any knowledge of the alledged debt which had been " written off '' was in XX/XX/XXXX. 

I believe this bank has charged a fraudulent charge to my account, and has sent a fraudulent report of a " write-off '' to the credit reporting bureaus, and that they illegally wrote off this aledged debt without ever making any attempt to collect or notify the alledged creditor, myself. 

I believe that XXXX XXXX XXXX XXXX XXXX is hurting my credit score based on a fraudulent charge, that they illegally " wrote off '' against me.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and found the following inquries inaccurate and not aware of my knowledge to be placed on my credit report according to the FCRA U.S CODE 15 U.S.C 1681 ET SEQ .section 604 of fair credit reporting Act Please remove all inquiries listed in my ftc report detachment below thank you i am a victim of identity theft. 

Inquries below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XX/XX/2020 i called ERC spoke with a rep who offered a settlement of XXXX $ to have account removed and updated on my credit report. I never received email or an receipt for my payment. I called back rep advised me the payment was successful and account was noted but account wasnt updated in the systems that it was paid in full via settlement offer. Account is reporting incorrectly and hasnt been removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it May Concern : I have recently pulled my TransUnion credit report and noticed that a public record that has been investigated and DELETED by another credit bureau is STILL being reported by TransUnion. I have PROOF that this public record was deleted. XXXX conducted another review of this public information as reported to them through XXXX and this claim was unfounded and therefore removed. Please follow suite and delete this public record for accurate reporting. This public record needs to just be removed in order to show my true credit history. 

XXXX has removed all records associated with Ohio Federal Court - XXXX Docket # XXXX. This public record was reporting the following information from the following report : Ohio Federal Court - XXXX Docket # XXXX I am aware that TransUnion conducted an investigation in XXXX XXXX. I am DEMANDING that another investigation be resubmitted based upon the findings from XXXX. I want this new investigation done so that we can actually VALIDATE this public record as such. DO NOT send another response stating that based on XXXX XXXX 's investigation, that this claim is valid. I want you to investigate this claim as of XXXX XXXX to depict the MOST ACCURATE REPORTING OF THIS PUBLIC RECORD AS VALID. 

Also, let the record show that upon reaching out to XXXX, I was told that bankruptcies are not reported to the credit bureaus and that they do not verify bankruptcies, as per your results from the " investigation '' done in XXXX XXXX. 

Be advised that this is an attempt to correct your records. Any information obtained shall be used for that purpose. Please review the attached information provided. 

Pursuant to the FAIR CREDIT REPORTING ACT, I EXPECT YOU TO COMPLETE THE REMOVAL WITHIN 30 DAYS. Please send my accurate report as soon as your investigation is complete. 

Thank you for your cooperation, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am getting my free 3 annual credit reports. 
I see errors on my Equifax Report. 
Their dispute link goes to a dead page. 
And I always have issues logging in to dispute because of answered security questions that I know for a fact are being answered correctly and they say they are not. 
Me & my spouse have always had issues like this with Equifax. 
Its like they dont want you to file a dispute or even log in to your report. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been involved in a number of data breaches and security issues that have previously been reported. I have reported the issues to the follow companies and including a bankruptcy. XXXX XXXX agencies are reporting data incorrectly after being notified. 
XXXX XXXX and XXXX Not XXXX XXXX XXXX XXXX XXXX XXXX Comenity BankXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX mine XXXX XXXX XXXX account number
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern XXXX XXXX. XXXX XXXX XXXX, CA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX. XXXX   XXXX XXXX, GA XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX Have enclosed a copy of two bills PLEASE UPDATE MY CURENT ADRESS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I have never lived here please remove these address from my credit file XXXX XXXX XXXX XXXX # XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit card

I scheduled a payment of {$1000.00} dollars using my XXXX XXXX Account, to Pay my Citi Credit Card. I scheduled the payment on XXXX XXXX, 2016, and my XXXX XXXX Account shows the payment was processed on XXXX XXXX, 2016. My Citi Credit Card has not ever shown the credit to the account. I have filed disputes with both XXXX and Citi. XXXX keeps telling me to provide their Confirmation #, Citi says that number is not correct, and that they need a XXXX digit Tracer number, XXXX says that they do not have a XXXX digit tracer number.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many unverified items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I keep getting calls and text messages from Hillcrest, Davidson & Associates Threatning to take legal action and credit reporting on a debt that I nothing about nor do I owe. 
I had to block their number since they will call at all times of the day and into the evening after I have told them that aim not the person they need to see or speak to.