23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with necessary proof of investigation. These are the accounts I have marked as inaccurate : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX . Please delete and remove from my credit report. Especially XXXX XXXX. It is no longer on my XXXX credit report so please delete from my Equifax credit report. Also, for XXXX XXXX XXXX and XXXX XXXX XXXX, please stop calling me before XXXX and after XXXX. Cease and desist! Delete these three accounts ASAP. 12 CFR 1006.6C. I have never received a signed wet signature, original contract from any of you two ( XXXX XXXX XXXX and XXXX XXXX XXXX )
Product: Mortgage

In XX/XX/XXXX, Ditech Financial LLC, asked us to do a modification loan thriugh them, but it would be extended to 40yrs.So we declined offer.Also we are only two payments behind on mortgage, although they claiming its over 120 days.I have bank statements .So on XX/XX/XXXX, we got letter from XXXX XXXX XXXX XXXX and XXXX , XXXX that theywill start legal proceedings, giving us 30 days to dispute.Ditech also is holding a payment check of XXXX that i sent on the XX/XX/XXXX. They wont apply it to mortgage.They claim we owe XXXX.We have been assigned account rep.by name of XXXX XXXX.at XXXX XXXX XXXX XXXX
Product: Credit card

This is about claim referenced for {$290.00} that posted on XX/XX/year>, from XXXX XXXXand was disputed as a cancelled service. I cancelled these services as they were not provided. These were language lessons that the teacher did not provide and I verbally cancelled after the first session was not provided. The merchant blocked me and I have no way of communicating or showing proof of cancellation because of this. Wells Fargo needs to credit my account for this transaction, as it was cancelled.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, an account under XXXX for a vehicle purchase outside of Illinois was tacked onto my credit report. I filed a complaint with Experian, and they are claiming the account is mine. However, I have never purchased a vehicle outside of Illinois I reside in XXXX. Ive been in XXXX  my entire life every time I attempt to have something removed from experience they are not helpful there are names that do not belong to me phone numbers that new not belong to me and accounts that do not belong to me and they are not helpful and are not updating my report to reflect what is actually mine
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
XXXX XXXXXXXX Balance {$1000.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance {$6800.00} XXXX XXXX XXXXXXXX XXXX Balance {$6700.00} XXXX XXXX XXXX Balance {$4500.00} XXXX XXXX Balance {$1800.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance {$2000.00} XXXX XXXX XXXXXXXX XXXX Balance {$15000.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance {$1000.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance {$6800.00} XXXX XXXX XXXXXXXX XXXX Balance {$2000.00} XXXX XXXX Balance {$1200.00} XXXX XXXX XXXXXXXX XXXX Balance {$15000.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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: Checking or savings account

2023 I was a victim of a scam and Bank of America reported me to the XXXX system and now I can't open a bank account for the next XXXX   years due to being scammed by XXXX XXXX XXXX  online also the bank froze my account with XXXX XXXX  stating that my account with them is minus- {$240.00} that they ( bank ) never cleared with cash app.
Product: Credit reporting or other personal consumer reports

I am writing to express my ongoing frustration and concern regarding inaccurate items that persist on my credit report despite multiple attempts to have them removed. These inaccuracies are adversely affecting my creditworthiness and financial well-being, and it is imperative that they be rectified as soon as possible. 


I have previously contacted your bureau on [ mention the dates and methods of previous disputes ] to dispute these inaccuracies, but they remain on my credit report. I have enclosed copies of my previous dispute letters for your reference. 

I kindly request that you initiate a thorough reexamination of these inaccuracies and promptly correct my credit report to reflect accurate information. The Fair Credit Reporting Act ( FCRA ) mandates that consumer credit reports must be precise and up-to-date, and these inaccuracies are clear violations of this regulation. 

Enclosed with this letter, you will find copies of the following documents : Previous dispute letters submitted to your bureau. 
Supporting evidence that demonstrates the inaccuracies, such as bank statements, correspondence with creditors, or any relevant documentation. 
I expect to receive a written response within 30 days of your receipt of this letter, as required by the FCRA. Your response should include the results of your investigation, the actions taken to rectify the inaccuracies, and a revised copy of my credit report reflecting these changes. 

Furthermore, it is your responsibility to notify the creditors associated with these inaccuracies about the dispute and provide them with the necessary documentation, as per federal law. I am asking for your immediate assistance to remove these unaccurate items in my credit report : XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX  XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX Balance : {$1500.00}.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to formally request the blocking and deletion of certain accounts associated with my credit file under the Fair Credit Reporting Act, specifically pursuant to 15 USC 1681c-2 ( a ). I have been a victim of a recent data breach, and I believe that this incident has compromised my personal information. I am concerned about fraudulent accounts and activities that may have been established in my name due to this breach.
Product: Checking or savings account

All of my wells fargo accounts were hacked fraudulently on XXXX XX/XX/year> Wells fargo Acknowledge the fraud and reimbursed all of the amounts except for a XXXX XXXX dollar atm cash withdrawal Which was made at a XXXX XXXX a t m three hours from my home... All of the fraudulent credit card charges were also made in XXXX 
Wells Fargo refuses to XXXX XXXX made as {$900.00}, claiming that it was made by me.Or someone authorized by me, which is totally false.It was part of this whole fraud... They sent me a letter claiming that this withdrawal was made by me and that They had supporting documentation which I could request. I have requested the supporting documentation and they refuse to provide it
Product: Credit card or prepaid card

I was on XXXX website looking up tickets for XXXX to XXXX and an American Express offer popped up that if I apply and get approved for the Delta Skymiles card, I would get {$250.00} credit towards my XXXX ticket purchase if made within 30 days of account opening, also get XXXX miles if {$3000.00} in purchases was made within 3 months of account opening. I applied and followed the instructions on the prompt and was approved immediately with a welcome letter. I was given a {$1000.00} temp credit to purchase my ticket then and given my account number to use. I got the card in the mail with {$20000.00} credit line and spent {$4000.00} in first month and paid it in full. I never got the {$250.00} Delta airlines credit or the XXXX bonus miles. When American express was contacted regarding issue via phone on XX/XX/19, I was informed that I wasn't eligible for the offer and they will investigate further. I never received any letter or indication on the prompts that I was not eligible for the offer, especially since they gave me the temporary card number and {$1000.00} to use for my XXXX XXXX purchase. On XX/XX/19, I contacted American Express again and they had completed their investigation and said the same thing again. They could not provide me with any proof that I was not eligible for this offer, then why approve me? My welcome letter indicated no such information of ineligibility, which should have been if the case was such so. This is false advertising and I was scammed into opening their card and paying a higher fee for an airline ticket thinking I was getting credit when I could have bought with another airline for half the price.
Product: Checking or savings account

I recently opened an a checking and savings account with Comerica bank after not having been a customer for several years. They did not tell me at that time that there was a prior balance from my old account of {$220.00}. They did encourage me to apply for a secured credit card ( CD ) to help build my credit score so the next week, I went back in and applied for it with the required minimum security deposit of {$300.00}. The bank told me it could take 7-10 business days to make a decision. Comerica made its decision in 2-3 days and denied me the credit due to income to debt ratio and said my deposit would be refunded. I waited a few days for the refund but when it did not come, I called the bank. I was told it could take 10 days to refund and they would either refund my XXXX XXXX checking account or send me a paper check in the mail. I waited a few more days and still no deposit or check. I emailed the bank manager and she responded that I had owed the {$220.00} and it had been deducted from that deposit amount and the remainder sent to my Comerica savings account. At no point during this whole time did they ever once tell me I had a past due balance or that they would be deducting that amount from deposit. they also never asked me if I wanted any amount returned to the account from which it had been taken ( XXXX XXXX ) or to my Comerica account. I was completely blindsided by this and it feels very sneaky and unethical to not disclose a previous debt then encourage me to make that security deposit. They have never even explained to me what the debt was for. As far as I knew, I had paid that debt years ago when I closed the account. I believe they tricked me into making that security deposit in order to secure funds for that debt. I had the money to pay the debt but they never asked me about and I had to go to great lengths to even get a straight answer from them about this. If they allowed me to open the account knowing I had an unpaid debt only to secure those funds then this is highly fraudulent and unethical. I was trying to rebuild my credit but now I have another mark against my credit for the hard inquiry for the secured credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the wake of the Equifax hack, affecting 143million accounts, I have attempted to place a credit freeze with all three major credit reporting agencies. I have gotten a busy signal multiple times or their site has been down. It is unacceptable that I can not place a security freeze on my account because a company valued at > $ 1billion can not accept calls ( nor keep its personal data secure in the first place ). These attempts at a phone call or website access have taken place multiple times from Mon ( XX/XX/XXXX ) to Weds ( XX/XX/XXXX ).
Product: Debt collection

Dear XXXX I have submitted to the XXXX a complaint and have attached proof of All documents and requests. 

NOTICE OF INTENT TO FILE FORMAL FTC COMPLAINT RE : Dispute Letter ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) ( contacted fraud dept XX/XX/XXXX XXXX as well as XX/XX/XXXX - XX/XX/XXXX, daily with no resolution. You still have not provided any proof of documents and where and from whom you obtained those documents. 
I have sent XXXX letters asking for a correction to my credit report and have received no response. 
This letter is formal notice of my intent to file a complaint with the Federal Trade Commission. 

The mailing receipts indicate that you received my letters. Copies of the original letters are included with this letter showing the items that need correction. Under the Fair Credit Reporting Act, you have to address disputes within 30 days, and you have not done so.

I expect action to be taken to address my dispute. After the correction ( s ) are made, please remove these items from my report. Please provide me with an updated credit report, and also send the report to any creditors who have requested my credit report in the last XXXX  months. I would also like the names, addresses and telephone numbers of the creditors who received my reports within the past XXXX  months. 

If you determine that no adjustments are to be made to my credit report, please provide the information you used to make that determination. 

If I do not receive a response in the next XXXX XXXX hours, I will file a formal FTC complaint. 

Sincerely, XXXX XXXX
Product: Mortgage

Rushmore Loan Services bought my mortgage about a year ago. Recently I have recieved XXXX notices from XXXX that my taxes have not been paid. I contacted Rushmore and they said to fax the notice. I did and then a month later I recieved another notice from XXXX saying that my taxes are delinquent. I contacted Rushmore again but they were unable to help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, Ad Astra Recovery Services added a derogatory mark with the amount of XXXX USD on my credit report XXXX, and XXXX ( Can be seen from XXXX XXXX as well ). Not to mention that Ad Astra Recovery Service could not validate their information with XXXX. Upon, further research, this account was transferred/sold from Speedy Cash to Ad Astra Recovery Services and I, the alleged DEBTOR, did not consent for the reselling of this alleged debt nor contract with either company. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and any person can send a bill and say it is mine. According to FCRA, Ad Astra Recovery Services has violated my rights as a consumer and I'm requesting legal action to remove this account immediately. FCRA Sec. 1681q. Obtaining information under false pretenses - Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined not more than XXXX XXXX United States Dollars ( {$5000.00} usd ) or imprisoned not more than one year, or both. And also these fraud claims are also in violation of Title 18 U.S Code Section 287.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus last XX/XX/2023 to update this suspicious information. I think you 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 COMPLAIN, and I'm including it again XXXX XXXX Balance Owed : {$290.00} ; XXXX XXXX Balance Owed : {$310.00} ; DPT EDXXXX XXXX Balance Owed : {$4200.00} ; DPT EDXXXX XXXX Balance Owed : {$6300.00} ; DPT EDXXXX XXXX Balance Owed : {$3200.00} ; DPT EDXXXX XXXX Balance Owed : {$3500.00} ; DPT EDXXXX XXXX Balance Owed : {$1700.00}.
Product: Debt collection

On XX/XX/XXXX I called in to Evergreen Professional Recoveries to pay off an account they had under my name. I paid the balance in full, and was told that I would be receiving confirmation of this within 7-10 days. 

I waited 10 business days before calling back on XX/XX/2017. I was informed at this time that the letter had not been sent out, but it would be the following day, and that I should expect to receive the confirmation letter no later than Friday, XX/XX/XXXX. I waited until Monday -- still no letter. So I called again. This time, I was told I would be emailed the confirmation within 24 hours. I agreed that this was fine. 

Next day - no email, still no letter. I called in again and this time asked to speak with a supervisor in an attempt to expedite the process. What follows is my reason for submitting the complaint. 

First, XXXX came on the phone. She was rude, interrupted and talked over me while trying to explain what I had already been told. She would not let me speak, so I asked for her manager. She put me on hold for several minutes before returning and briefly attempting to apologize ( at least, I *think* it was some form of an apology ). She then placed me back on hold to speak with her manager. 

This man 's name was XXXX. He was equally as rude, combative, and unprofessional as XXXX. He never acknowledged the false promises that were made and refused to send me the confirmation email. 

I still have not received the confirmation of payment, which posted now 25 days ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have lost XXXX points within in month time. I just open another account that I had in good standard and I started losing points from there. All my accounts are in great standard! Im not getting the credit I deserve. My Credit score wont go up when it should! My accounts are not reporting balance decreasing, but are reporting great standard and Im not getting any credit! All credit cards are at only 35 % use and decreasing! Im not getting the credit I deserve! Theres no way my credit score still should be at the borderline XXXX. This is fair, they want to keep at the XXXX range! Investigates my accounts, I should be close to the XXXX range, they come up with something to keep my score down!
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 I received a email from XXXX XXXXXXXX saying I applied for a loan in which I have not please remove this inquiry off of my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent to XXXX bureaus. The last letter sent to XXXXTransUnion XXXX XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : 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 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 the phone number ( XXXX ) XXXX They informed me that they do not supply information the third parties. How did you verify this public information?
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXX XXXX Balance : {$240.00} ; XXXX XXXXXXXX Balance : {$250.00} ; XXXX XXXX Balance : {$23000.00}.
Product: Money transfer, virtual currency, or money service

Venmo decided after 7 years of using my account for the same thing that I violated there policies of account use. 7 years I have been using my venmo for the exact same thing amd a the sudden I'm deactivated for life. Now I have {$7700.00} in that closed account that I can't access and they have no sense of urgency to help me or even respond to me. I have a famliy to support and all they want to do is sit on their XXXX and hidden behind emails only while the contract customer service to XXXX and teach them to copy and past XXXX. Pathetic is an understatement for how they do business amd it should be illegal for them to steal my money.
Product: Checking or savings account

On Saturday XX/XX/23 aprox XXXX my account was hacked into. The person stole about XXXX from me and decided to charge it all at a XXXX. I live in MD were no XXXX  are available. The person got access to my entire account and wiped it clean. The person charge over XXXX transactions at this place. My bank never notified me. I have also filed a police report. This person faked a text pretending to be CHIME bank and sent me a text to verify a purchase over {$500.00}. I immediately pressed No and that was their entrance to take over the account. This incident took place from Saturday night to Sunday. I can not survive without my money. These people are really damaging lives. I'm so disappointed my bank didn't catch this. Why would they see over XXXX transactions at XXXX place and not do anything about. Not one call or email to notify me of this suspicions activity. They transferred over XXXX from my account and sent there selves XXXX several times and spent the rest at XXXX over XXXX plus times. PLEASE HELPPPPPPP
Product: Debt collection

XXXX XXXX with other debt collectors hired by XXXX XXXX have suppressed fictitious loan schemes against my property under court ordered sole possession. 

XXXX XXXX is copied on communication emails regularly with XXXX XXXX legal analyst for Rushmore Loan Management LLC WILLFULLY SUPPRESSING INFORMATION OR COURT ORDERS FOR FICTITIOUS LOANS BY US LOANS SCHEMES WITH RUSHMORE LOANS MGMT LLC IS VERY UNETHICAL AND UNLAWFUL Good Afternoon, Please see attached document. 

Thank you, XXXX XXXX Intake Analyst, Dispute Resolution Rushmore Loan Management Services LLC Direct ( XXXX ) XXXX Email : XXXX XXXX XXXX Intake Analyst, Dispute Resolution Rushmore Loan Management Services LLC XXXX direct | rfax | toll-free | fax machine Mail to : XXXX Web : XXXX XXXX XXXXXXXX