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

On the following dates I received responses to one of the many disputes I submitted to each of the Credit Reporting Agencies regarding accounts on my reports : XX/XX/XXXX - XXXX, XX/XX/XXXX - Equifax. On these responses the Credit Reporting Agencies stated the accounts I disputed were updated. Not only are they still reporting the incorrect accounts they are also reporting a bankruptcy I have disputed with them many times. They are staying they verified the information with XXXX XXXX which is a third party company. I have disputed this bankruptcy with XXXX XXXX and they responded to my dispute stating they, they received the information from another 3rd party, PACER, and this information was sold to the Credit Reporting Agencies. ( See attachment titled " Response - CFPB '' ). I have received a letter from the courts in XX/XX/XXXX stating they Do Not report any information to the credit reporting agencies. I have submitted this letter to Equifax, XXXX and XXXX XXXX several times since XX/XX/XXXX. Each Credit Reporting Agency state on the credit reports, with the exception of XXXX, the bankruptcy information is being supplied by XXXX XXXX. XXXX does not say this on their report however they say to find out where the information is coming from to go to the website they have listed on the report. I have included attachments of the credit report pages with this information as well as a copy of the XXXX  website that shows they are also supplied bankruptcy information from XXXX as well as another third party company.
Product: Debt collection

This case was with XXXX XXXX XXXX.The complaint was handled by The FCC case numbers are # XXXX and # XXXX XXXX issued a credit of XXXX on XX/XX/2021 at XXXX ; XXXX XXXX.This was described as a bundle done inappropriately as landline phones, mobile phone, cable, internet of which 2 internets were billed and only one could be used. This is in The Executive Resolution Department of the carrier and I don't believe that this collection company Credit Collection Services has any idea of what is going on. Someone sent them a bill and was not in Executive Offices.
Product: Credit reporting or other personal consumer reports

I'm XXXX XXXX. Regional Acceptance Corporation did not have MY written permission to furnish anything on my credit report. Regional Acceptance Corporation has not furnished any documentation of validation ( sworn under oath ) or judgment that I owe an alleged debt.
Product: Debt collection

In previous debt dispute letters, I have requested not to be called and only to be contacted through mail. They continue to call knowing this violates the FDCPA and Texas Debt Collection Act. I've had to block their numbers they use to harass people.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent ITEMS in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any ITEMS listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$210.00} XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$390.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX Balance : {$300.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the ( XXXX, Equifax, and XXXX 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. This fraudulent, inaccurate, and false information consists of An auto loan with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, with a Balance of {$900.00}. 


I do not recognize the aforementioned accounts and collections as reported. The aforementioned accounts and collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts and collections are the result of identity theft and fraud. 

I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are the result of identity theft and fraud.
Product: Credit card

This document is a summary of a conflict between XXXX XXXX  and the XXXX XXXX XXXX XXXX ( XXXX ). In XX/XX/2023, XXXX  received a call from XXXX requesting his appearance on a podcast interview, which he agreed to. XXXX later informed him that they received numerous calls about his initial interview and wanted to feature him on a panel discussion with other interviewees. They mentioned that the cost would be {$15.00}, but xxxxxx later realized it was actually {$1500.00}. Due to upcoming XXXX and financial concerns, XXXX  decided to cancel the podcast interview and informed XXXX about his decision. A Vice President of XXXX told XXXX he would take care of the cancellation. However, XXXX did not cancel the charge, leading XXXX  to dispute it with American Express ( AmEx ). AmEx reviewed the documents provided by XXXX and initially decided in favor of XXXX. However, XXXX  claims that the documents produced by XXXX are FAKE. He pointed out that he had never heard of XXXX before XX/XX/2023, and had no prior engagement with them or their celebrity host, XXXX XXXX. XXXX XXXX also denies receiving any emails or approving any documents from XXXX. He questions the authenticity of the documents, including an UNSIGNED letter, an emailed receipt, a, so called, proof of services rendered, a logo created for a campaign and most significant a COUNTERFEIT SIGNATURE image, He also disputes XXXX 's claim that they incurred substantial expenses related to cable TV exposure and advertising marketing of his name and BUSINESS image, he has been retired for the past 20 years and does not have a business as XXXX claimed. American Express reopened XXXX  's dispute. AmEx provided a XXXX generated FALSE address for the New York merchant. In a call to XXXX, the company agent refused to give XXXX an address. The details have been reported to the FBI, the Federal Trade Commission and the Attorney General of New York
Product: Debt collection

Portfolio Recovery Associates is falsely reporting an account on my XXXX credit report. Portfolio Recovery Associates lists account XXXX on my credit report for {$760.00}.  Under " Type of Loan '' it is listed as a Factoring Company Account, however, Portfolio Recovery is in fact not a factoring company. This is resulting in the collection being listed under " other accounts '' on my credit report rather than in the " collections '' section, which is an incorrect classification. This is a violation of the fair credit reporting act. This complaint should not to be construed as an acknowledgment of liability for this debt in any form.
Product: Credit reporting or other personal consumer reports

Equifax has once again failed to uphold its legal duty to ensure accurate credit reporting, and I am beyond frustrated with this blatant negligence. They are falsely reporting late payments on my XXXX XXXX XXXX account ( Account # XXXX ) even though my payment status clearly shows Paid as Agreed. How is this even possible? XXXX and XXXX have reported this account correctly, yet Equifax stands alone in misrepresenting my payment history. This reckless inaccuracy is unacceptable and is actively damaging my credit profile. Under 15 USC 1681e ( b ), Equifax is legally required to ensure maximum possible accuracy in consumer reports. Instead, they are violating this obligation by reporting false late payments that never happened. I am formally disputing these errors under 15 USC 1681i and demand an immediate reinvestigation and correction of this misinformation. I expect Equifax to update my credit file and provide written confirmation once this is resolved. If Equifax refuses to correct these errors, they will be in direct violation of the Fair Credit Reporting Act and will be held legally accountable under 15 USC 1681n for willful noncompliance. This is not just an inconveniencethis is my credit, my financial stability, and my future at stake. I will not sit back and allow Equifax to continue damaging my credit due to incompetence or negligence. Fix this immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this letter to you regarding account XXXX : Open date XX/XX/XXXX Allegedly late payment XXXX XXXX XXXX XXXX : Open date XX/XX/XXXX Allegedly late payment XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Open date XX/XX/XXXX Allegedly late payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX These accounts where never late or missed payment. I have disputed the completeness and accuracy of the disputed information. I am requesting that you please provide me with all verification results regarding this account so that I may investigate these claims and take appropriate legal action. 

Thank you for your immediate attention to this matter.
Product: Mortgage

My mortgage company LoanCare Escrow analysis came in and my county tax was raised approximately 700 %. I called mortgage company and they had no answers that was the numbers provided. I call my county and they said mortgage is absolutely insane it would never increase and gave me the new rates and number for 2023. Mortgage company wont go by the county government website they need a bill which hasnt been issued yet. Ive missed 2 payments so far XXXXXXXX XXXX XXXXXXXX.
Product: Credit reporting or other personal consumer reports

It's unreasonable that my history of timely payments for this account is not being recognized. I respectfully request immediate action to update my account with this information accurately.
Product: Credit card

XX/XX/XXXX - Received email from Citibank saying statement was ready {$23000.00} XX/XX/XXXX - Went online and paid the bill in full so I thought. I received an email payment confirmation. The Citibank system automatically defaults to the last bank account used and since I paid my personal credit card last it used that account. They need to take away the default and make the consumer pick an account. 
XX/XX/XXXX - Received email from Citibank that my payment " Online Bill Payment Action Required ''. They waited 13 days to inform me of this. 
XX/XX/XXXX - Went online to pay bill thinking I had not paid the bill. Received payment confirmation. I made the same default billing error again! 
XX/XX/XXXX - Received email again " Online Bill Payment Action Required '' and then figured out what was going on. 
XX/XX/XXXX - Paid the bill in full from my correct bank account. Fees plus an additional {$560.00} in interest was charged. In my opinion they intentionally do not let you know immediatley there is an issue with payment because they want to charge fees and interest. 
XX/XX/XXXX - I called Citibank to request a credit and inquire why my credit card charges are being denied even though I have paid the bill in full and have {$74000.00} available credit. Their answer is that I am not able to use my card for 30 days. What an inconvenience!
Product: Debt collection

I received a letter from Diaz & Associates dated XXXX requesting payment on a debt supposedly from original creditor XXXX in the amount of {$690.00}. I do not recall a recent or even past account with XXXX or what type of account it supposedly was or when the original account opened. And another company, XXXX XXXX XXXX XXXX, just randomly reported this same debt for {$690.00} and also one for {$720.00} from XXXX to XXXX as collection accounts on XXXX. I have already disputed the XXXX XXXX XXXX XXXX  collection reporting with XXXX  to no avail. I have also submitted a CFPB complaint regarding XXXX XXXX XXXX XXXX. I believe these requests for payment and credit reporting are based on inaccurate and/or fraudulent information. It appears these so-called debts are being transferred from one " company '' to the other very quickly which seems questionable. I doubt these are legitimate attempts to collect a valid debt and want proof to prove otherwise.
Product: Mortgage

My Vystar mortgage payment was sent by XXXX XXXX XXXX on XX/XX/year> to Vystar Credit Union XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX As of this date XX/XX/year> Vystar has not credited my account. XXXX is only XXXX miles from XXXX. This is the second time Vystar is holding my check. Also Vystar ask us to pay them {$2100.00} for escrow and our escrow was only short {$240.00}. 
I emailed XXXX XXXX at Vystar and she said she would contact the mortgage division. Last month I paid my mortgage on the first and Vystar didnt ctedit it till 7 days later
Product: Checking or savings account

PayPal has allowed erroneous charges to be negotiated against my account. Some are unauthorized some are duplicates. They refuse to resolve this issue. Duplicated payments are paid in days of succession of the authorization with the original charge deleted in transaction history, yet the amount still remains deducted. The merchant will then be allowed again to debit the account once more for the same transaction thus giving a duplicate payment. Paypal will intermittently block transaction from service industry merchants in particular hotels. When I inquired with them the reason for this, they explained that this was done due to wide spread fraud that were detecting with their accounts. Well the charges I am speaking of specifically are dealing with hotels. It's has happened at least three separate times that I've noticed. Either they're being breached or are complicit in this fraudulent activity in either case they are not protecting me as a consumer
Product: Debt collection

An account with AmeriFinancial Solutions showed up on my credit report for an account with XXXX XXXX XXXX XXXX XXXX. I sent a letter via certified mail to AmeriFinancial Solutions which the company received XX/XX/2020. The tracking number with USPS is XXXX. The company has not sent me any documents validating this debt. I requested the agreement between the collection company and the original creditor, the original contract showing that I legally owe this debt, an accounting record of all transactions and proof that this company is legally registered to collect in my state. I have not received anything. This account is still reporting on my credit reports.
Product: Credit reporting or other personal consumer reports

I am writing to address inaccuracies on my credit report. After reviewing my report, I discovered errors that need correction. 
These discrepancies have been addressed with the respective companies, and I am requesting that my credit report be investigated and corrected to reflect accurate information. 

Kindly inform me of the results of your investigation and provide an updated copy of my credit report. 
Disputed Items : XXXX XXXX  XXXX XXXX and XXXX XXXX  XXXX.
Product: Mortgage

My loan was sold/transferred in XXXX. I wrote the new service company in XXXX explaining my property tax bill arrived and was due in XXXX. I emailed them the bill as instructed. I did this several times. I kept getting " we'll get to your email soon '' messages, but this dragged out for months. Several times I got emails that said, " This letter is in reference to your inquiry regarding your taxes received on XX/XX/2021. Please know that we are diligently working to provide a resolution and will send a follow up soon. We appreciate your business. '' Soon never came. I finally called a couple of times and after insisting my problem get addressed, I was transferred to XXXX XXXX. I gave XXXX all my information and was told the bill would get paid. That was on XX/XX/XXXX and the bill was due XX/XX/XXXX. My property tax bill was paid LATE and I got hit with {$19.00} interest fees for being late. I followed up and was told " I have opened a request for this to be paid. The fees will not be charged to your account. I will keep you posted as to when this has been paid. '' Yet a month later, nothing was paid. I finally paid it myself because it's clear this agency is completely incompetent. But I want my money back for their mistake. LET 'S BE CLEAR.. I PAID THE {$19.00} LATE INTEREST. IT WAS NOT HOMEPOINT. I WANT A REFUND FOR THAT PAYMENT AS IT WAS NOT MY FAULT. HOMEPOINT LIED AND SAID THEY PAID THE LATE FEE BUT DID NOT. I HAVE MY CREDIT CARD STATEMENT TO PROVE I PAID IT. I also want service that doesn't take 2 months to get a reply to questions. Ideally, they could sell my loan and just annoy the other customers they have. I doubt they'll change and actually start helping customers.
Product: Money transfer, virtual currency, or money service

I was contacted by someone personating as XXXX support supervisor and said my phone was being hacked and that I needed to take precautions are my phone was fixing to get cut off if didnt comply and they was going to call the police because I was jeopardizing their company and they scam me out of {$1600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have RECENTLY sent a notice for debt VALIDATION ON XX/XX/2022 not a letter for verification to XXXX to validate the alleged debt. I was sent back a letter of Verification stating that the deb was verified. in that letter in which I will attach to this complaint again I requested. 

The Following information is required. Please fill out the form below in its entirety.

1. Name and address of Alleged creditor : 2. Name on file of alleged debtor : 3. Alleged Account # : 4. Address on file for alleged debtor : 5. Amount of alleged debt : 6. Date this alleged became payable : 7. Date of original charge off or delinquency : 8. Was this debt assigned to a debt collector or purchased? ____ No 9. Amount Paid if debt was purchased : 10. Commission for debt if collection efforts are successful : XXXX & More which is attached in its entirety. 

I Stated You must return this completed form along with copies of all requested information, assignments or other transfer agreements, which would establish your right to collect this alleged debt within 30 calendar days from the date of receipt of this letter. Your Claim can not and WILL NOT be considered if any portion of this form is not completed and returned with copies of all requested documents. This is a request for Validation made pursuant to the Fair Debt Collection Practices Act.

I did not receive all information requested in my validation of debt letter. so I DEMAND these 2 accounts be removed IMMEDIATELY from my consumer report violation of the Fair Credit Reporting Act, violation of the Fair Debt Collection Practices Act, and Defamation of Character. 


XXXX XXXX BANK XXXX XXXX XXXX BANK XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Product: Credit reporting or other personal consumer reports

I respectfully ask that you conduct a thorough investigation into this matter, acknowledge the error, and swiftly rectify it by removing the unauthorized inquiry from my credit report. Your immediate attention and resolution of this issue are greatly valued and appreciated.
Product: Credit reporting or other personal consumer reports

These inquiries were not authorized by me, and I did not communicate with this under the specified date
Product: Student loan

EdFinancial Services are failing to provide any confirmation of the refund process and are not providing a timeline of the process. 
Other services are providing direct communications with confirmations and having the loans refund process finish within 72 hours and have the loan balance reflect the correct amount in their account. 
EdFinancial can not provide the similar service and are not providing adequate reasons on why they can't provide it.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion LLC XXXX. XXXX  XXXX  XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX - XXXX XXXX  XXXX  XXXX XXXX  DEPT OF ED/XXXX  XXXX  XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX - XXXX XXXX XXXX   XXXX XXXX DEPT OF ED/XXXX  XXXX  XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX - XXXX XXXX XXXX   XXXX XXXX  DEPT OF ED/XXXX