23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Hello ACCORDANCE WITH TITLE 15 USC 1681a ( 2 ) I DIDNT CERTIFIED OR GAVE WRITTEN CONSENT/ PERMISSION TO HAVE THESE UNAUTHORIZED HARD INQUIRIES OR UNAUTHORIZED ACCOUNTS TO HE FURNISHED/ REPORTING ON MY CONSUMER REPORTS.
Product: Credit reporting or other personal consumer reports

Equifax Dispute Department XXXX XXXX XXXX XXXX, GA XXXX Subject : Formal Dispute of Inaccurate Information in Credit Report Dear Equifax, I am writing to formally dispute an inaccurate entry on my credit report under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. The account in question does not belong to me and is negatively affecting my credit score.

The details of the disputed account are as follows : I have never opened nor authorized this account. According to 281 SW715.719, I presume there is no evidence to support the alleged debt. Therefore, it can be concluded that no such debt actually exists.

Under the FCRA, you are required to : 1. Investigate my dispute within 30 days of receipt. 
2. Notify the creditor of my dispute.

3. Provide me with the results of your investigation in writing.

4. Delete or correct the inaccurate information if your investigation supports my claim.

Enclosed, please find copies of the following documents to support my dispute : 1. A copy of my credit report highlighting the disputed account.

2. A copy of my driver 's license for identification.

3. A notarized affidavit of identity theft.

4. Any additional documents ( e.g., police report, FTC Identity Theft Report ) that support my claim. 

If this error is not corrected promptly, I will have no choice but to seek legal action to protect my rights. I trust that Equifax will address this matter swiftly to avoid litigation. 

Please confirm receipt of this dispute letter and initiate your investigation immediately. I expect a timely resolution as stipulated by the FCRA. 

Thank you for your prompt attention to this matter. 

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

I've noticed incorrect information on my credit report under the guidelines of 15 USC 16c-2. The details in question are not accurate and are negatively affecting my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a recording of the representative at XXXX that I spoke with in XXXX who handled the refinance and assured me that the new payment plan would not result in any derogatory marks on my credit report and that I had addressed the hardship just in time to prevent any derogatory marks on my credit report. When I asked for the recording ; the supervisor refused to provide me a copy. I will be filing with FTC and/or CFPB so that they can demand the copy. I XXXX XXXX XXXX in XXXX XXXX the end of XXXX ; which left me off work for most of XXXX. I now have a XXXX XXXX and XXXX XXXX  in my XXXX XXXX. XXXX  was fully aware of the hardship and agreed to work with me. This was sneaky and deceitful - borderline FRAUD! 


XXXX XXXX
Product: Checking or savings account

Our account was accessed through a fraudulent take over. We called the bank to notify them and the fraudsters had transferred money from my husband and I combined account to just my husbands account since they are linked. BOA stopped them from removing the almost XXXX from just my husbands account. This happened in late XXXX or XXXX, and we still have not seen our reimbursement of our money. We have called, visited branches numerous times. They said the investigation could take up to XXXX. Our money is not released to us as they said it would be. Its been over 6 months, and we are still waiting to get the money back. They keep transferring us and no one can help. Its impossible to get someone who wants to take ownership of the issue at hand. We also keep getting overdrawn notices when our account is frozen.
Product: Credit reporting

I disputed a late payment from XX/XX/XXXX with XXXX on Equifax. I provided documentation showing where the error was on their part. XXXX had agree to remove the late pay on their system based on this documentation. Equifax did not remove it on my file. This is NOT MY ERROR. If the lender agreed to remove it, why did Equifax leave it on my file after the dispute?
Product: Mortgage

We want Sps mortgage inc investegated you are the servicer on our mortgage. Our loan was originated back in XX/XX/XXXX. We are victims of a predatory loan. We were misrepresented by the mortgage broker and by XXXX XXXX when this loan was originated. We have reviewed our loan with specialist in the industry and there was fraud on documents from the mortgage broker to the banks and forgery on loan documents and disclosures. Since this loan was originated this loan has been passed along from XXXX XXXX, to XXXX XXXX and now Sps mortgage inc. We also have checked with title specilist and Sps does not hold legal title on our home properly to foreclose on our home since title recording on purchase date and from all the loan transfers from bank to bank .The title chain is broken and not correct. We are victims of predatory lending and now we are stuck with a toxic loan, Due to all these greedy large banks and corporations trying to maximize profits on homeowners that got these toxic loans. We want to hold these corporations accountable for the problems you have caused to our family. We have tried to work with sps over and over to fix our toxic loan and it just seams to fall on deaf ears. We will continue to defend our home until there is a fix on our mortgage.

Stop foreclosure activity on our home and fix our mortgage.

fix our toxic mortgage.

lower our principal balance / balance started at XXXX k now over 690k.

bring our account current fix this ridiculas wrong toxic loan.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX  acct # XXXX XX/XX/XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act XXXX  Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # 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

A company by the name of ARS Account Resolution Services has tried to falsely attempt to collect a debt on medical debts in amounts that are inaccurate and not owed. I personally contacted my insurance provider XXXX and pulled up all the claims via the online portal and spoke with a representative named XXXX ; He reassured me that these debts were in fact paid and that the amounts ARS were trying to collect on behalf of a medical service provider were indeed a result of error or negligence. I contacted ARS via telephone today XXXX, XXXX, XXXX at approximately XXXX est and spoke with a rep by the name of XXXX and I explained to her the situation and that I wanted the debt to be removed from my credit report under consumer law 15 U.S. Code 1692e ( 2 ) ( A ) A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt. 

I have been disputing these debts since XXXX and it's really been an emotional strain on me and I want these resolved immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

To Equifax Recently i did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generalIf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. Thanks for your help with this matter.

1. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 


Sincerely, XXXX XXXX
Product: Vehicle loan or lease

In XX/XX/XXXX, I obtained an auto loan from Bank of America. I was previously an employee of Bank of America and had preferential loan pricing. I immediately set up automatic payments via Bank of America 's website using an external bank account to autopay the monthly amounts. The third party bank account has always had sufficient funds to cover the payments, which I can prove with monthly statements. However, in XX/XX/XXXX, I was unexpectedly informed by Bank of America that payments for XXXX and XXXX had been missed. Confused because of my understanding autopay was setup, and because I received monthly loan account statements confirming receipt, I promptly made the payments, with late fees applied, and re-initiated autopay using the same external bank account. 

To ensure no further issues, I set up email alerts confirming when payments were scheduled. From XX/XX/XXXX through XX/XX/XXXX, payments were successfully made. 

However, on XX/XX/XXXX, I received a vague voicemail from a person claiming to be from Bank of America, which I suspected was a fraudulent call due to the lack of detail. The next day, I discovered through a third-party credit reporting app that my XXXX XXXX had dropped significantly. Upon investigation, I found that Bank of America had reported my loan as " charge-off, '' claiming that multiple payments were significantly overdue and they had not received any payments in XXXX, though they were vague and told me different information depending on the person I spoke with. 

I have since provided Bank of America with documentation showing that payments were made. However, upon further investigation, I have found that the autopay service on Bank of America 's website failed for all of XXXX and some months in XXXX, without any notification. After reviewing all of my emails from Bank of America, I do have an email from them stating that bill pay features would be turned off for a BoA checking and savings accounts I had with them that were not in use. Since my payments to the loan were coming from a XXXX party bank, and not those BOA accounts, I disregarded. That is the only communication I can find. During the entire period where the autopay was not going through, I continued to receive monthly loan statements from Bank of America indicating that payments were being received. At no point was I informed that payments were missed, nor was I notified that the autopay function had stopped working. The balance in my XXXX XXXX XXXX  account, where I pay multiple bills, always has sufficient cash in the range of $ XXXX {$50000.00} available, so I do not micro-manage the monthly debits. 

This failure of Bank of America 's autopay system and their lack of communication regarding missed payments has caused this inaccurate charge-off status and has made a significantly negative impact on my XXXX XXXX and potentially my financial situation as they are claiming the balance on the loan is due in full.
Product: Mortgage

My wife just received a promotion w/the Feds to XXXX, DC. XXXX ( relocation dept for FDIC ) performed a pre-qualification app on Friday XX/XX/XXXX, to find out that our current mortgage holder, Wells Fargo Mortgage, showed XXXX lates on our credit report. The pre-qual process stopped by XXXX until we call WF to see what has happened. Calling into the mortgage company we find that a few years back my wife and I did a remodification loan to our mortgage - as a matter fact back to back contracts until we could get refinanced. WF says that remod ( lower note from 1700/mth down to $ 1100/mth - a contracted lower note ) each month showed less than the normal mortgage, therefore every payment is showing late. 
We were not informed that the lower payment would reflect as less-than the original monthly payment - netting late payments. AGAIN NO ONE EXPLAINED THAT THIS WOULD HAPPENED. With this in mind, we feel that we were not properly informed about the negative side to a remodification loan ( unless this is an isolated Wells Fargo Mortgage rule only. ) We have sent a letter to WF Written Correspendence Unit. We have also sent dispute into each credit report agency, so we can clear these XXXX lates from our credit reports. So in the meantime XXXX can not go any further therefore interrupting the Gov't employee relocation program
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 1. DPT ED/XXXX
Product: Debt collection

Sentry Recovery has been calling me non stop since XXXX of XXXX. I've received phone calls from them over the last XXXX years from time to time since the collection was filed against me. One representative calls me about 3-5 times a week. He threatens me with things he can not do like seizing my bank account, assets, or property. He gets extremely irate when I ask to speak to another employee, today he slammed the phone and hung up. People trying to help me in my situation believe they are a scam but it is not, it's from a company based in XXXX XXXX NV who have been sued over 10 times in federal court. They refuse to contact the other members on the lease, they pressure and harass me weekly or daily because I'm the only one they can get a hold of. I thought I was doing the right thing trying to take care of this but it only opened a worm hole of problems after. The disputed amount was for about {$7000.00}. We came to terms and deducted it to {$2500.00}. When I asked the company to provide that agreement in writing the man, XXXX, became furious and got snobby saying " he was only trying to help me '' before hanging up. He threatened to terminate my debt agreement with the company and proceeded with more empty threats. I find it weird that they've had this on my credit report for XXXX years but refuse to send me and written documentation of the debt or what our recent agreed amount was, I was asking them for emails or letters and they continue to tell me that they aren't able to do that for me. I've asked for written things since XXXX from the company but they refuse to comply or send anything in writing. I'm very sketched out because of how aggressive and mean the employees are on the phone, it's terrifying to have your life and income threatened by people who are completely unreasonable and won't provide any sort of legal documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been demanding full disclosure of the entire consumer file concerning me for over XXXX months because it is obvious that TRANS UNION does not have proper procedures in place to insure maximum possible accuracy of the information contained in the consumer profile and consumer reports pertaining to me. TRANS UNON has willfully and intentionally failed or refused to provide me with the full disclosure in violation of Fair Credit Reporting Act 609. TRANS UNION continues to fail to provide maximum possible accuracy in the consumer file and consumer reports concerning me and I am being damaged. It appears that TRANS UNION is conspiring with companies to defame my character, commit aggravated identity theft, and appears to have vested interest in refusing to permanently delete information from the consumer file concerning me that I have repeatedly disputed. Some of these companies do not even exist. The Secretary of State of Utah and the state provided by TRANS UNION as the address of the alleged creditor, do not have any record of the company existing. I have provided this evidence multiple times to TRANS UNION and they have willfully refused and negligently failed to delete the information. 
I have filed CFPB complaints for these same accounts, and TRANS UNION only chose to remove 1 or 2. XXXX  has already deleted these accounts because the accounts can not be verified or validated. How can TRANS UNION possibly claim that they actually verified the information I disputed when the companies do not exist, and other credit reporting agencies are unable to? Does TRANS UNION have access to private information about me that I am not privy to? I have not given and do not give TRANS UNION permission to appropriate my name and likeness and leverage inaccurate information about me. 
I demand TRANS UNION to immediately DELETE the following information : 1. The CURRENT ADDRESS and PREVIOUS ADDRESSES are NOT my addresses. DELETE them ALL. I do not give you permission to furnish and/or report this information about me. I have given you my correct address multiple times and you refuse to make the corrections. 
2. XXXX XXXX XXXX XXXX is not my Employer. Delete it immediately. 
XXXX. XXXX XXXX XXXX is not my Employer. Delete it immediately. 
XXXX. XXXX XXXX XXXX  ( Inquiry XX/XX/2022 ) : This company does not exist. I have never done business with this company and do not give them permission to access the consumer file or consumer reports regarding me. 
XXXXXXXX XXXX  : This company does not exist. I have never done business with this company and do not give them permission to furnish any information about me to a credit reporting agency. XXXX and XXXX have already deleted this account as it can not be verified and validated. 
XXXX. XXXX XXXX : This company does not exist. I have never done business with this company and do not give them permission to furnish any information about me to a credit reporting agency. XXXX has already deleted this account as it can not be verified and validated. TRANS UNION has illegally re-aged this account to cause further damage to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX act # XXXX, XXXX XXXX XXXX act # XXXX, XXXX XXXX # XXXX, XXXX XXXX act # XXXX, XXXXXXXX XXXX  XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXXt # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX  Act # 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: Money transfer, virtual currency, or money service

On XX/XX/year>, I was the victim of fraudulent transactions totaling {$2300.00} USD sent to users suspected to be operating under false names. Details of the Scam : I initiated contact with XXXX XXXX online through XXXX in regards to meeting in person to start a relationship. We planned to meet in Rhode Island initially, but XXXX XXXX claimed they were unable to travel. Instead, they proposed I visit them in XXXX XXXX Florida. 

Believing this would solidify the legitimacy of the arrangement, I agreed to travel to Florida to meet XXXX XXXX. Prior to the meeting, I had XXXX sign a legal contract that included their name, IP address they used at the time of signing, and their approximate location in XXXX. Unfortunately, shortly after arriving in Florida XXXX ceased all communication with me. I suspect they never intended to meet and used the prospect of a meeting to facilitate the fraudulent transactions. 


XXXX Transactions : On XX/XX/year>, I experienced the following fraudulent transactions through XXXX : A mobile payment of {$550.00} sent to XXXX XXXX with email XXXX ( Mobile Payment ID : XXXX ). A general XXXX debit card transaction of {$550.00} sent to CASH APP*XXXX XXXXXXXX XXXX Transaction ID : XXXX ) followed by a reversal for the same amount. Another mobile payment of {$750.00} sent to XXXX XXXX with email XXXX ( XXXX XXXX ID : XXXX ). On XX/XX/year>, a mobile payment of {$200.00} was sent to XXXX XXXX with email XXXX ( Mobile Payment ID : XXXX ). Another mobile payment of {$50.00} was sent to XXXX XXXX with email XXXX ( Mobile Payment ID : XXXX ). On XX/XX/year>, a general card deposit of {$720.00} was received, possibly related to a fraudulent transaction ( General Card Deposit ID : XXXX ). Cash App Transactions On XX/XX/year>, a Cash App transaction of {$150.00} was sent to XXXX XXXX from XXXX XXXX ( # XXXX ). On XX/XX/year>, a Cash App transaction of {$660.00} was sent to XXXX XXXX from XXXX XXXX ( # XXXX  ). 

Actions Taken : I have reported the fraudulent activity to Cash App on [ XX/XX/year> ]. I have filed a police report with the XXXX XXXX XXXX Police XXXX on [ XX/XX/year> ]. I have contacted my bank regarding the fraudulent transaction on [ XX/XX/year> ]. 


XXXX XXXX Cash App has denied my request to recover the funds related to the transactions on or around XX/XX/year>. My bank was unable to recover the funds. Law enforcement is currently investigating the case. 

Given the difficulty in identifying the scammers and their potential location outside the US, what are the chances of recovering the lost funds through a civil lawsuit? Can I explore legal options against Cash App for failing to prevent fraudulent transactions under the Electronic Funds Transfer Act ( EFTA ) and any applicable state or international laws? Are there any other legal avenues both civil or criminal I can pursue to hold the scammers accountable or recover my funds? I have attached copies of XXXX and applicable CashApp statements along with bank statements for the month, the legal contract I had her sign among other relevant evidence. 


Sincerely, XXXX XXXX