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

I am writing to formally dispute fraudulent inquiries that Equifax has reported on my credit file. Despite multiple attempts to have these unauthorized inquiries removed, Equifax has failed to take appropriate action. I have provided all necessary documentation to support my claim, yet the inquiries remain on my report, negatively impacting my credit profile. Under the Fair Credit Reporting Act ( FCRA ), Equifax is required to conduct a reasonable investigation and correct inaccurate information, which they have not done. I request the CFPB 's assistance in ensuring Equifax complies with its legal obligations and promptly removes these fraudulent inquiries from my credit report. Thank you for your time and attention to this matter. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Mortgage

My mortgage LTV is currently 77 % and the mortgage service company will not remove my PMI. They have sent a new letter stating I must have a 75 % LTV. 
Last year, when the LTV was at 79.6 %, I sent a written request to remove PMI and they denied my request but did not explain what specifically disqualified my request. This was a refi but I 'm not seeing anything in the rules making it different from an original purchase. 
If the law says PMI must be removed when I reach 78 % LTV, why can the mortgage service company keep charging me this fee?
Product: Debt collection

I signed up for a 2 year contract for XXXX @ {$110.00} a month winter of XXXX, and by XXXX they were charging me around {$150.00} a month. I only paid the {$110.00} each month until XXXX XXXX when I had them turn off my service and returned their equipment to them. They are putting the excess charges up for collections. I only owed and paid them the contract amount each month. They broke the contract by raising my monthly bill. Account # XXXX, Amt disputed {$99.00}. I have disputed this in writing with them and copied all XXXX credit reporting agencies. Collection agency is Credit Protection Association , L.P . 
I have copies of bolls and letters if you need them.
Product: Mortgage

I AM REQUESTING ALL DOCUMENTATION FROM AMERICAN HOME MORTGAGE SERVICING FROM XXXXTHERE WHERE A NUMBER OF LOANS WHICH WERE TAKEN OUT ON THE PROPERTY XXXX XXXX XXXX XXXX, XXXX GA XXXX. THE ATTY WHO WAS INVOLVED UTILIZED OUR INFORMATION AND APPEARED TO BE IN CONNECTION WITH THECURRENT HOME OWNER AT THAT TIME, IT APPEARS THEY WEREOBTAININGFRAUDULUENT LOANS TOGETHER/GHOST LOANS PER OUR INVESTIGATION.. MY SPOUSE FILED ALLFRADULUENT ACTIVITY IN THE US BRC OF NORTHERN GEORGIA IN ORDER TO OBTAIN AN INVESTIGATION FROM THE TRUSTEE. THE JUDGE DID NOT APPROVE IT. MY SPOUSE 'S BRC CASE IS STILL OPEN IN THE COURT 18-55697LRC.THE ATTORNEY IS ALLEGELY SERVING 15 YEARS, XXXX XXXX. MY SPOUSE FILED A LAWSUIT IN THE BRC AND OF COURSE IT WAS DISMISSED. WE WERE PART OF A PONZI SCHEME. WEWERE VICTIMS. THERE IS A LEGAL COUNSEL INVOLVED WHO WAS PAID A SIGNIFCANT AMOUNT OF MONEY HOWEVER, IT APPEARS HE IS STALLING AND WILL NOT RESPONDTO OUT CALLS. HE KNOW EXACTLY WHAT HAS TAKEN PLACE. WE HAVE NO CHOOSE BUT, TO EXPOSE EVERYONE AND ALL DOCUMENTATION WILL BE SENT.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the XXXX XXXX I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

TO Citi Bank Reference : Roll back for all credit paid off on Citi Rewards + Master Card XXXX. 

Recovering from XXXX XXXXXXXX, I want to get back to the workforce by posting my resume on XXXX. 
As usually, I was approached by email with a job offer by XXXX XXXX XXXX, a presumed hiring Manager of the Company XXXX XXXX XXXX. He put me through a job interview and hired me as a Customer Service Representative in a meeting on XXXX XXXX platform. 

After I have accepted and signed the XXXX XXXX XXXX, the next day of our meeting, he offered to pay off all my credit cards balance as stated on the XXXX XXXX XXXXXXXX, as the way to let me use my cards to purchase for my work equipment. 

He gave me routing and bank account number and the bank name to use to pay off all my credit cards. I did and reported to him with all the payment confirmations numbers. After that he directed me to use my cards to purchase XXXX and XXXX to send to their software manager for software installation. As the available balances can not be enough for the equipment, he wanted me instead to purchase XXXX gift cards to allow him to make arrangement with the company software manager and vendor. I did purchase those gift cards with my XXXX XXXX XXXX card and Citi Card, and also {$2000.00} borrowed from my wife. All the conversations and details are on the pdf attached to the letter. 
In summary, all the clear details are on the pdf from the bank account to some scammers names. 

Now my concern is how you facilitate the system for him to roll back the money without any warning to me. Without any investigation. 
I am the one who call to paid off the card and for refueling for another purchase with this bank information. Before any cancellation you need to contact me first to know what about. If it was any criminal act, you got the right to pursuit me. 
This is not fair to help somebody to steal from me with your help. 
Kindly, I recommend Citi Bank to open a criminal investigation on this bank account, given to me to paid of my credit cards, and afterwards let me refuel the card to deepen my debit. You need to let the FBI be involved to get to the bottom of this. You can not easily put this financial burden on me. 

Secondly, I recommend you stop any collection action again me, and late fees, until we get the whole fact ; and restore my credit card to the balance it was, before you roll back the credits. 

Looking forward to hearing from you, P.S.-XXXX XXXX XXXX, XXXX of all the conversations of the presumed hiring manager of XXXX XXXX XXXX XXXX XXXX.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, il XXXX XXXX XXXX XX/XX/2024 Midland Credit Manage XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, Mi XXXX Subject : Request for Reinvestigation of Credit Report Information To Whom It May Concern : I am writing to formally request a reinvestigation of certain items on my credit report to ensure the accuracy and completeness of the information reported. Please find the details of the accounts in question below : Midland Credit I believe that these accounts may contain inaccurate or incomplete information, and I am requesting that you verify their accuracy and completeness. If any errors are identified during your reinvestigation, I request that they be promptly corrected or deleted in accordance with the Fair Credit Reporting Act ( FCRA ). 
To assist in your review, I have enclosed copies of relevant documents supporting my dispute. These include : credit report showing dates open and closed amount owed. 
Midland credit documents Please notify me of the results of your reinvestigation in writing. Additionally, if any changes are made to my credit report as a result, I request an updated copy of my report. 
I appreciate your prompt attention to this matter. Should you need additional information, please do not hesitate to contact me XXXX XXXX Thank you for your assistance. 
Sincerely, XXXX XXXX Enclosures : Copies of relevant documents
Product: Credit reporting, credit repair services, or other personal consumer reports

The past 4 months my Equifax reports have been incorrect, my cc company initially tried to update my balance on my credit but was told Equifax had issues with their system. I filed a dispute 2x with no success. I attempted and called Equifax 4x each time speaking to a supervisor name XXXX ( overseas ) and a manager name XXXX. I also sent documents by fax and uploaded it online and was told by the Manager XXXX that the online portal does not accept documents which is a clear fabrication because the online portal allows you to upload any supporting document to support your dispute. The documents I submitted prove and show the balance on my credit card was paid to a {$0.00} balance back in XX/XX/2022, since XX/XX/2022 Equifax has not update my file. Ive made numerous calls back and forth to the credit card and Equifax and Equifax still has not updated my credit reports. Transition and XXXX have reported the correct amount every month since Ive been the balance. The incorrect balance is causing me a hardship due to me trying to refinance my house and my mortgage company is using the incorrect card balance against me due to Equifax incorrectly reporting.
Product: Credit reporting or other personal consumer reports

To : XXXX XXXX XXXX XXXX : Request for Removal of Unverifiable Account Dear XXXX XXXX Department, I am writing to formally request the removal of an account from my credit report as reported by [ XXXX, Experian, or XXXX ]. This request is based on the recent deletion of an account by XXXX, XXXX of the XXXX major credit reporting agencies. I recently disputed a charge-off for {$3000.00} from XXXX/ listed XXXX my XXXX report, and following a thorough investigation, XXXX has completely XXXX this unverifiable debt from my report as of XXXX. 
According to the Fair Credit Reporting Act ( FCRA ) ( XXXX XXXX. XXXX ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and verifiable. Since XXXX has removed this account after its verification process, I request that you do the same and remove this unverifiable account from my credit report. 
Supporting Consumer Laws : FCRA Section XXXX ( XXXX XXXX. XXXX ) requires that inaccurate or unverifiable information must be deleted from a consumer 's credit file. I am exercising my right to ensure that my credit report remains fair, accurate, and free of unverifiable information. Since XXXX has deemed this account unverifiable and removed it, you must take similar action. 
Additionally, under FCRA Section XXXX ( XXXX XXXX. XXXX ), information suppliers must report only complete and accurate information. With XXXX having deemed this information unverifiable, I urge you to align its records accordingly.

Please provide confirmation of this removal within 30 days of receipt of this request. If the account is not removed, I am prepared to pursue further actions, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action under the provisions of the Fair Credit Reporting Act ( FCRA ), including Section 616 ( 15 U.S.C. 1681n ), which allows consumers to seek legal recourse for willful non-compliance, and Section 617 ( 15 U.S.C. 1681o ) for negligent non-compliance.

I appreciate your prompt attention to this matter, as it directly impacts my credit report 's integrity. Please notify me in writing once this deletion has been processed. 
Thank you for your immediate attention to this request. 
Sincerely,
Product: Mortgage

Seterus Inc, whom represents XXXX as a servicer has charged charged me for 11 days of undue interest and has witheld a payment of apx {$72000.00} in overpayment to payoff my loan due their " internal processing time of 30 days. '' Additionally not paying me the interest on 7.25 % on use of those funds
Product: Credit reporting or other personal consumer reports

I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. Do not confuse my credit file with people of similar name, address or SSN. Verify all identifying information.. and It must be proven TRUE, CORRECT, COMPLETE, TIMELY and of my OWNERSHIP, of my responsibility and compliant with the FCRA Laws.. I am attempting to apply for credit and the accounts are keeping me from moving forward on my transaction.. I am requesting a permanent block on the accounts asap XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX ), XXXX XXXX  ( ORIG CREDITOR : XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX ), XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX XXXX ),
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable Reinvestigation 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 niether corrected nor removed disputed items despite the evidence i provided.I am requesting immediate corrective action to remove or amend the disputed accounts, as experians inaction violates federeal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the ( Equifax ) credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

I am filing this FTC Identity Theft Affidavit to report a fraudulent account appearing on my consumer FICO Equifax credit report, which I do not recognize and which is the result of identity theft and fraud. This fraudulent account, consisting of an auto loan opened at XXXX on XX/XX/year> under account number XXXX, has resulted in several fraudulent hard inquiries and collections appearing on my credit report. The fraudulent hard inquiries include XXXX, XXXX, and XXXX, while the fraudulent employer listed is XXXX  XXXX XXXX. Additionally, incorrect addresses appearing on my report include XXXX XXXX XXXX XXXX and XXXX XXXX XXXX  XXXX. I demand the immediate removal of these fraudulent items from all my consumer credit reports and the cessation of all collection activity related to them, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

These accounts have resulted in several fraudulent chargeoffs, fraudulent late payments, and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, late payments, or chargeoffs as reported. The aforementioned accounts, collections, and chargeoffs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, late payments, and charge-offs are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the aforementioned fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX had a case against them regarding their violations, and they continue to fraud people and violate the federal and state laws. As well as Experian. 

Proof : https : //www.consumerfinance.gov/about-us/newsroom/cfpb-charges-transunion-and-senior-executive-john-danaher-with-violating-law-enforcement-order/
Product: Debt collection

There are numerous inquires on my credit report i did not authorize. 

XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX/XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX & XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX   Date : XX/XX/XXXX XXXX  Date:XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date:XX/XX/XXXX XXXX XXXX XXXX, XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX   XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX
Product: Checking or savings account

On XXXX XX/XX/year>, Pentagon Federal Credit Union processed a check for {$500.00}. Then on XXXX XX/XX/year>, Pentagon Federal Credit Union processed the same check for {$500.00} but didn't identify the check number ( which XXXX separate agents/representatives verified over the phone that it is the same check being processed incorrectly ). I was told ( the XXXX XXXX XXXX ) Pentagon Federal Credit Union was going to fix the issue and credit the {$500.00} to my checking account within XXXX to XXXX hours. I waited XXXX hours after each call to Pentagon Federal Credit Union but the issues was never fixed nor addressed. I've also pointed out the inconsistencies Pentagon Federal Credit Union processes of not allowing me to see copies of XXXX of the checks they've processed. ( i.e. I can see a scan of some of the processed checks with check numbers while others are not available and the check numbers are not available on the account transaction history ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have Fraudulent Accounts on my credit reports for XXXX, XXXX, & Transunion I have disputed these accounts multiple times. 

Fraudulent Account : XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Status Late 30 Days Past due amount {$840.00} Fraudulent Account : XXXX  XXXX XXXX XXXX Account XXXX XXXX Date opened XX/XX/XXXX Open/closed Closed Status Charge off Past due amount {$250.00} Fraudulent Account : XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed closed Status Chargeoff Past due amount {$510.00} Fraudulent Account : XXXX XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Status Chargeoff Past due amount {$290.00} Fraudulent Account : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Status Chargeoff Past due amount {$1600.00}
Product: Vehicle loan or lease

I purchased a new vehicle through financing with Chase Auto in XXXX of XXXX. In XXXX of XXXX, I had inquired about refinancing that loan with XXXX  XXXX to get away from what I viewed was extremely predatory practices by Chase ( continuing to charge late fees when they had info on record that I was unemployed due to COVID-19, even amongst the media reporting they were waiving late fees for their credit card holders ). 

XXXX XXXX contacted Chase on XX/XX/XXXX for payoff info. On XX/XX/XXXX, Chase received a check for that payoff amount but didn't record it until several calls and tracking info from me 2 weeks later. As if that wasn't enough, Chase informed me that the 2 entries on my ledger balance that I noticed while trying to figure out why they hadn't recorded my payoff with them that were labeled " REFUND CREDIT '' and " GAP REBATE '' were not in fact rebates or refunds to me, but simply to indicate they cancelled my GAP insurance and applied the unused balance to my payoff. I asked them how they had permission to cancel my insurance, and they said it's an automatic process when loans are paid off. 

I have several screenshots of ledger entries that indicate I'm due a refund, but have not received anything or heard a consistent reason why. First I was told that it's an automatic process... then I was told that someone physically cancellled it. When I asked what date it was cancelled, they can't provide it. 

My main concern here besides the invisible refund of my insurance that was overpaid by me is that they cancelled insurance without my knowledge. If I would've totalled my car in between title transfer process, what would I have done? 

I feel everything about Chase Auto has been predatory since Day 1, and I'm hoping you guys can look into this. I can provide any additional information you may require to document my case.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.i need my money