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

I submitted a letter to XXXX and TransUnion on XX/XX/22 to update this suspicious information. I think they have not validated these accounts 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 # XXXX and XXXX, and I'm including it again. 

XXXX XXXXXXXX Balance : {$12000.00} ; XXXX XXXX XXXXXXXX Balance : {$2800.00}
Product: Mortgage

We pay into a loan servicing company LoanCare We have an escrow account and at the end of 2017 -- we had paid into the escrow {$6600.00}. The disbursements were {$3800.00} which left us with an ending balance of {$2800.00}.

We have tried on multiple occasions to contact LoanCare and can not seem to get anyone on the phone to explain why they haven't returned the ending balance to us. There is an option to leave a call back # which we've also tried and again, no one returns the call.
Product: Debt collection

Midland Credit Management has been reporting an alleged debt on my consumer reports illegally. I have never done business with them, so I don't know how they ever received consent to my personal information. This is identity fraud. I have never legally given written consent/permissible purpose to furnish this alleged debt on my reports. Midland is a 3rd party debt collector attempting to collect an alleged debt. Midland has not provided any validation or verification legally required showing ownership of this debt. This includes the original contract with my wet signature. Their negative and illegal reporting is tarnishing my credit worthiness and hindering me from acquiring affordable living and transportation to provide for my family. This is causing undue hardship to all of us!
Product: Credit reporting, credit repair services, or other personal consumer reports

THE LISTED ACCOUNTS WERE OPENED FRAUDULENTLY. THE ACCOUNTS ARE UNDER LITIGATION. THE ACCOUNTS WERE OPENED USING MY IDENTITY INFORMATION BUT WERE NEVER AUTHORIZED OR DID I HAVE KNOWLEDGE OF THE ACCOUNTS BEING OPENED. I AM A VICTIM OF IDENTITY THEFT. THE ITEMS IN WHICH I NEED TO BE REMOVED IMMEDIATELY ARE THE FOLLOWING 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 or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Federal Credit Reporting Act ( FCRA ) to conduct a reasonable investigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence i provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several issues with Equifax. Its bad enough you cant dispute things online. At least I cant. They make it nearly impossible on purpose. Theres more than a 50 point difference in my credit score. Equifax never seems to catch up with the others. Its bad enough they take such a long time to correct amounts on my credit report. Their so-called boost is ridiculous as my bank is not listed. Theyve known about the issue for a year and continue to blow smoke. They refused to change an address without me making copies and sending things to them in the mail which I do not feel comfortable with. No other agency including the Social Security administration and internal revenue has an issue but they do. Its bad enough they breached my information, and obviously cant be trusted, whats worse is they make it as hard as possible for me to log in to their site, and make me call to get anything done. I had to hold for one hour, only to be told they want copies of sensitive information to be mailed to them. So they can breach my data again?
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX Ct XXXX, SC XXXX Please update my name to : XXXX XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/1972 My only telephone number is : XXXX Please remove all the other addresses off my report, as they are not deliverable to me by the XXXX XXXX XXXX XXXX and they are not reportable as per the FCRA, since they are inaccurate. 

Sincerely, XXXX XXXX XXXX + See attached documents of proof +
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has accounts on my credit report that are not mine/inaccurate/false/fraud. XXXX-collections account was removed/deleted from XXXX  AND XXXX  on XX/XX/2019
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am sending this over because there are fraudulent accounts on my credit report. These accounts do not belong to me ; therefore, they should not be on my file. Attached you will find a copy of the claim from the Federal Trade Commission along with a copy of my license. Please remove these accounts as soon as possible. Pursuant to 15 USC 1681 c-2 subsection ( a ) you have 4 business days to block this information from my file. This request was NOT made in error. I, XXXX XXXX - XXXX XXXX, did not give your credit reporting agency written instructions to include this fraudulent information in my consumer report. Which is in violation of 15 USC 1681b- ( a ) ( 2 ). I am a victim of identity theft and did not open said accounts on the word document provided below. I ask that all items provided on the document attached be deleted to correct my credit report so I can finally get approved for a car loan. Please note that I am submitting this request on behalf of myself. No third party is involved.
Product: Debt collection

XXXX XXXX along with Convergent Outsourcing. Has stated that i owe {$1100.00} as of XXXX. I had their service in XX/XX/XXXX. All equipment was turned in. Spoke to XXXX Monday. They said that even though the equipment was turned in i still owe {$1100.00} and since the account went to collections. I was charged an additional {$350.00}
Product: Vehicle loan or lease

I would like the company to remove any late payments from my account due to me being a victim of identity theft and a victim of a nationally declared disaster due to flooding in Illinois
Product: Mortgage

I was part of the Covid 19 forbearance and have applied for a partial claim/loan modification. I have sent all documents and they keep saying They dont have lien release paperwork when it was released XX/XX/XXXX and XX/XX/XXXX. Its been 3 months and I still dont know whats going to happen and they refuse to let me make a payment. I call everyday since XX/XX/XXXX. They wont let me speak to someone and dont tell me in a timely fashion information. Rushmore loan is the mortgage company and I have a FHA loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

Home Depot has reported inaccurate payment history information to my credit report and has refused to remove it. This inaccurate information has been on my credit report since 2017. Some credit reports show 1 late payment and others show 2 late payments, both of which are inaccurate. I was never notified that these payments were late.
Product: Student loan

Ameritech Financial has not been paying any of my students loans although they have been extracting a monthly payment amount from my checking out. Ameritech Financial is a servicer in which they claim to consolidate your students loan for a cheaper monthly amount. However, i had to pay a percentage to Ameritech along with my payment plan in which Ameritech gains access to my educational loans and pays my loans. So they have claimed. For the past several months i was away XXXX and received calls of Ameritech wanted more documents for my file. At the time i understood although i was suspicious in why they wanted more documents and pay stubs. I could barely talk and notified the person over the phone that i was not home and it would be a while before i was able to get any documents. I also knew once i arrived home, i will be able to sit down and better understand what exactly was wanted. Upon my return home in XX/XX/XXXX, i began looking into my credit report and it stated i was behind one my students loans. I discovered my debt had only increased. Furthermore, i was receiving and still am receiving emails from XXXX stating i have been missing my monthly payments. This discovery became more so clear when on XX/XX/XXXX i received a letter from the Federal Trade Commission ( FTC ) stating that Ameritech has been sued for deceptive practices. I realize the money i have been paying since XX/XX/XXXX, has been going directly to Ameritech and not my loan debt. 
On XX/XX/XXXX upon receiving the letter from FTC, i called Ameritech regarding this whole issue. I was only greeted by a costumer messenger who would only take my contact info for a call back within 24hrs from a actual case manager or agent. At roughly XXXX hrs EST time on XX/XX/XXXX, i received a call from a XXXX from Ameritech telephone number XXXX. I discussed the issue in play. I requested to have my money back. XXXX put me on hold on more than one occasion stating he will run it with the billing department. He then said it was denied. XXXX was not understanding about the situation. He said he might only be able to give me the money for the services Ameritech was not able to complete. I told him no service was done since my monthly payments were not going towards my loans. I am now behind in more debt because of this deceptive practice to lure people in. I kept attempting to get my money back. It was also mentioned on the steps i should take according to the FTC letter. 
I had my membership/plan canceled. XXXX said should have a conformation letter emailed within 24hrs. 


Ameritech Financial # XXXX, XXXX XXXX XXXXXXXX XXXX , XXXX XXXX, CA XXXX Tel- ( XXXX ) XXXX When i initially enrolled the person who guided me is XXXX XXXX . 
Email- XXXX XXXX
Product: Debt collection

In XX/XX/XXXX, my husband and I ( sole cardholders of Discover Card ) received a notification from Discover Card that we owe {$13000.00}. Due to my husband 's XXXX XXXX XXXX and subsequent XXXX, we had cut our usage of credit cards, particularly, Discover Card. Our last purchases using Discover were : 1 ) Dated XX/XX/XXXX for the amount of {$200.00} 2 ) Dated XX/XX/XXXX for the amount of {$280.00} 3 ) Dated XX/XX/XXXX for the amount of {$470.00} 4 ) Dated XX/XX/XXXX for the amount of {$550.00} The above charges were all paid for by us and Discover concurred that they were paid by us. No other purchases were made by us since XX/XX/XXXX using Discover Card. 
We have NOT authorized Discover to add any additional credit card holder nor did we notify Discover of any change of address. We have lived in our residence for the past 22 years. 

Two years later after the first notification from Discover in XX/XX/XXXX and to which I replied that it is NOT our charges, we heard back from Discover via their collection agency collecting the above amount. 

This is pure intimidation and threatening on Discover Card 's part. I tried multiple times to contact their customer service XXXX number but they said they can not do it anything about it. My husband and I are both XXXX yrs old on fixed income. I don't know where else to turn. Please help us.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Virginia XXXX XX/XX/XXXX XXXX Equifax, XXXX and XXXX To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : XXXX XX/XX/XXXX Equifax Mortgage XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 
Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. 
My contact information is as follows : XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX Virginia XXXX
Product: Payday loan, title loan, or personal loan

As reported previously, I was provided with a loan from American First Finance while getting a new couch at XXXX XXXX. I was briefly given areas to sign online- for the loan -- Originally the couch was for XXXX. I was informed by the merchant to attempt to finish the loan as quickly as possible to avoid any interest on it. However, she never mentioned that I would get charged XXXX XXXX on this current loan. I have paid already XXXX. I was informed that they are charging me an annual percentage rate of 169.7 % - I was never told this -- or never was provided to me by the merchant. I was also informed that I will have to continue to pay every XXXX weeks XXXX until XX/XX/2024 to complete a total of XXXX. The couch was XXXX -- - yet they are making me pay XXXX. When the transaction was completed at the merchants I was never given paperwork or anything regarding the agreement either. She obtain a few signatures from me.. telling me how much it would be bi-weekly and that was about it. When I called to obtain a copy of the agreement -- American First Finance stated they will send it via email in 24 hours -- it took them also 4 days for me to obtain it. I have been wrongfully informed of the hidden charges in this loan.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : DPT EDXXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing to dispute incorrect personal info and inquiries that are reported on my credit report. I never authorized the listed items and therefore them reporting on my credit constitutes a violation of my consumer rights to privacy.
Product: Credit reporting or other personal consumer reports

Issue : Failure to properly investigate credit report errors and misrepresentation of account status by Equifax Company : Equifax Complaint Type : Credit reporting issues Complaint Description I am writing to file a formal complaint against Equifax for failing to properly investigate my credit report errors and allowing the re-addition of deleted items, re-aging of an account, and continuous balance increases on a charged-off account. These actions have significantly harmed my credit score, my character, and my ability to acquire credit and housing. 

These issues have been ongoing ; however, despite previous attempts to make notice of the clear violations of my rights per the FCRA, nothing has been done. Additionally, I have an account that has been re-agedthis account was charged off and closed, yet it continues to show balance increases and opens and closes repeatedly, creating confusion and damaging my credit standing, as well as a charged-off account that has been paid off that should reflect PAID AND {$0.00} BALANCE that has been reinserted across the bureaus. 

I have made repeated attempts to resolve these issues by contacting Equifax, but despite this, the problems persist. I am particularly concerned that Equifax 's failure to properly investigate these discrepancies is a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and a direct result of the type of " sham investigations '' detailed in recent reports ( such as the Consumer Financial Protection Bureau 's legal action against XXXX ). The failure to correct these inaccuracies has significantly tarnished my credit, negatively affecting my financial well-being and defaming my character. 

The accounts in question are XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Consumers for this bank have not been able to access their ATM deposits or debit card transactions for XXXX days. I'm getting ready to switch banks because of the poor online banking application used by this First United Bank. The application has constant technical functionality glitches. After a certain time of day, you are not able to see pending transactions. Today you can have {$2000.00} and XXXX minutes later {$50.00}. There are constant issues with pending transactions, balances not displaying in real time and funds transfers.
Product: Credit reporting or other personal consumer reports

I am Writing to dispute the following accounts on my Equifax Credit report, Which I believe violate several provisions of the Fair Credit Reporting Act ( FCRA ). Fraudulent 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$290.00} I request the immediate removal of these accounts under the FCRA, Specifically 15 USC1681e ( b ), 15 USC 1681s-2, 15USC ( 5 ) and 15 USC 1681 c ( c ). Furthermore as per Law 605 B, These fraudulent accounts should be eliminated from my credit report. your company is under scrutiny due to a recent lawsuit filed by the Consumer Financial protection Bureau ( case name : Consumer Financial protection Bureau v. Equifax Information Solutions , Inc ) This lawsuit highlights Equifaxs failure to conduct proper investigation and remove or reinsert errors on consumer credit reports. As such, it is imperative that Equifax addresses this matter in accordance with the FCRA I appreciate your prompt attention to this matter. I look forward to receiving written confirmation of the removal of these fraudulent accounts under from my credit report. Thank you for your time and cooperation.
Product: Bank account or service

Fraudulent activity of my checking. XXXX checks written fraudently and XXXX wire transfer for almost {$200000.00}. Reported to chase bank. Sign affidavit. Was told that the checks were obvious forgery. I have the supposed checks used at my house unused. All monies were sent to a gold dealer. Have no received any communication. Chase overdrafted and approve monies from savings to checking. No red flag was issued. I was out of the country when this happened. My online access was blocked since XX/XX/2015 and I stop receiving statements as of XX/XX/2015. Called in XX/XX/XXXX and found out the balance of my account and that 's when we became aware of the fraudulent activity. Chase is now refusing to reimburse my monies. When I was assured my monies would be reimbursed within 10 days
Product: Mortgage

Flagstar Bank has sent XXXX letters demanding that I provide a proof of policy for hazard insurance. I spoke with them after the first letter, and indicated that the insurance had been renewed and they spoke with the insurance company. I was told all is fine. Now, weeks later I receive a demand for insurance or to pay {$6300.00}. The insurance on the property has never lapsed, never been in danger of lapsing, and they have been provided all normal documentation by my insurance company, and they have spoken with them!
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : Over the last month or so I have been repairing my credit in order to buy a house next year. Before I started my credit score was in the 500 's. After paying off debt my credit score rose to nearly 700. Almost within days of that happening there were two inquires made two days apart from the same person. The first credit check came from a company named Service Finance Co. LLC. I received the alert from my app XXXX XXXX so I immediately followed up with the company. After speaking with a rep we both came to the conclusion that this person and I had the same first, middle and last names and the first 5 numbers of our social security numbers. The rep advised me to reach out to XXXX  who then advised me to reach back out to the company that ran the credit check. After speaking to a supervisor at Service Finance Co. LLC and after that supervisor spoke with his superiors, they informed me there was nothing they can do sense all information was correct except for the address of the person needing the loan and the last four of the social. Another company named XXXX XXXX also made an inquiry for the same person the next day with all of the same information used before. After talking with this rep she informed that they have no locations in the state I live in. However the first company I mentioned has its office in the state I live in, in fact they are only a few hours away. XXXX XXXX said they would get back to me and never did. Both of the companies I am speaking of provide services for home improvements but I do not own a home and never have, I live in an apartment. Both of these companies have left me in the dark about these credit checks and are not being helpful at all and are telling me to talk to XXXX. XXXX  can not assist until these companies write a letter to XXXX  with my information stating there has been either an error ofrfraud. I would appreciate all the help I can get to have these two items removed from my report. I have taken further action and locked all 3 credit bureaus from providing credit checks until I remove them. Thank you