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

For 81 months, EQUIFAX, has furthered the the inaccurate reporting of a fradulently applied deferment for payment code 0218 by lender XXXX XXXX and debt collector/ parent company XXXX XXXX XXXX For this matter I would like to amicably recommend a resolution by arbitration as stated below [ XXXX XXXX ] [ XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Ga, XXXX ] [ XXXX ] [ XXXX ] [ Date : XX/XX/year> ] Equifax Information Services LLC Address : XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Notice of Arbitration Regarding Infringement of Rights Dear Equifax Team, This letter serves as a formal arbitration notice pursuant to the EQUIFAX arbitration agreement concerning infringement of my rights related to fraudulent submissions involving my account with XXXX XXXX XXXX XXXX , specifically regarding the illegal addition of Deferment for Payment Code 0218. 

**Background : ** I have been facing infringement issues for a period of XXXXXXXX XXXX XXXX XXXX XXXX*. This notice addresses fraudulent submissions concerning my accruing balance, particularly regarding the inappropriate application of Deferment for Payment Code 0218. 

These actions have resulted in XXXX documented infractions** affecting my credit report, due to unauthorized entries that lack proper documentation and authorization. Such practices have placed an undue burden on my financial standing and caused significant distress. 

**Claims : ** 1. **Fraudulent Submissions : ** There have been erroneous entries made concerning my account balance, with XXXX infractions** identified over the 6 years and 10 months of this infringement period. 

2. **Improper Use of Deferment for Payment Code 0218 : ** The addition of this code appears unsubstantiated and has led to confusion about my payment obligations. 

XXXX. **Violation of Arbitration Agreement : ** The actions taken by XXXX XXXXXXXX XXXX XXXX have contravened the arbitration terms set forth by EQUIFAX. Consequently, I am seeking resolution through binding arbitration as outlined in the agreement. 

**Monetary Compensation Calculation : ** Based on the XXXX infractions** identified during this infringement period, I am seeking monetary compensation calculated at ** {$1000.00} per infraction**. This results in a total claimed amount of ** $ XXXX for the resolution of this matter. 

**Action Requested : ** I request acknowledgment of this arbitration notice within 15 days from the date of this letter. Additionally, I urge Equifax to investigate this matter thoroughly, rectify any inaccuracies on my credit report, and provide a detailed report of your findings. 

**Next Steps : ** If we can not reach an amicable resolution within 30 days of this notice, I will pursue arbitration as stipulated in the EQUIFAX agreement to seek the aforementioned monetary compensation. Please send your response to my address above or via email. I look forward to your prompt attention to this matter. 

Sincerely, [ XXXX XXXX XXXX ] Physical copy shall arrive in 5-7 business days.
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. XXXX  Account Names # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 15 U.S.C 1681 section 602 A. States Ihave 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

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 : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or 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 card or prepaid card

Hello I would like to make a complaint of XXXX has been made me a black list account and my name I cant apply any credit card or debit card or account XXXX XXXX XXXX XXXX XXXX XXXX ny XXXX XXXX Please email me XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have found that XXXX XXXX XXXX  have privilege and knowledge of my medical information to which places you in direct violation of the HIPPA act and regulations of 1996. In review, I have never signed a HIPPA form authorizing you ( XXXX XXXX XXXX ) to have access to any of my medical records, files or information. Therefore, I am advising EQUIFAX that I intend to pursue filing a legal complaint with the U.S. Department of Health and Human Services. I am also requesting that you remove any and all negative reporting of this matter immediately or I will be forced to pursue legal means by and through my attorney XXXX XXXX. I also sent via certified mail to XXXX XXXX XXXX  the same. Letter attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) as well as 15 US Code 1681 the former was reporting inquiries without my permission and the latter was accuracy and fairness of credit reporting. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Product: Consumer Loan

I had fell behind in my loan and received a settlement offer from the company, and under this letter and I was lead to believe that I would be settling my account for less than the full amount and that would be reported to the credit bureau. Which I figured would be better than nothing as long as I got this bill to me paid off. But to only have the company turn around and continue to report on my credit as late and still owing money. I feel the deceived me into sending them money. But they made no contact to say they was pulling back on that offer, they still wanted their money or even send an account statement after they received that money. I feel I have been deceived and taken advantage of during a time of hard times.
Product: Credit reporting or other personal consumer reports

I sent a dispute to equifax regarding an unverifiable account on XX/XX/year> and to date I have not received the investigation results. In addition to this account being unverifiable, the reported information is both inaccurate and incomplete. This account was closed but on my equifax report there is no close date being reported. This results to incomplete information. Next is the payment history section of the account. Equifax is reporting a monthly charge when but how can a closed account be charged off multiple times. This results in the information being inaccurate. Pursuant to section 611 of the FCRA, this information is incomplete, inaccurate and unverifiable and I demand that it is promptly deleted.
Product: Mortgage

Our loan was transferred to Mr. Cooper in XX/XX/XXXX shortly after closing in XXXX of XXXX. A year later when our homeowners insurance was due the payment was not made. After several calls to Mr. Cooper over the course of several months, the premium was finally paid in XXXX of XXXX ( but was due back in XXXX ). When the first annual escrow analysis was done ( XXXX of XXXX ), the new premium had not been paid and was not taken into account at all we have since concluded. We were not provided this first annual escrow analysis though we did request it. ( The original HOI premium was approximately {$860.00} but the renewal was {$2200.00} ). Our escrow holding was left unchanged that year as a result. When our 2nd annual escrow analysis was done in XXXX of XXXX ( we did receive a copy of only this one we requested ), we were notified that our payment was going up $ XXXX due to the shortage of {$2900.00}. The homeowners premium had increased to {$3100.00} which we quickly reduced to approximately {$2400.00} by increasing our deductible which should reduce the shortage by nearly {$700.00} but we are still being told that our payment will be increased {$370.00} due to the shortage once the {$700.00} refund from the insurance company is received. The shortage that developed over the course of 2 years and should have been addresses sooner if the first homeowners ' insurance increase had been taken into account in the first annual escrow analysis. We have been paying into escrow only $ XXXX for homeowners insurance for all this time and only now, 16 months after the first premium increase, are we suddenly being charged for all of the two years in addition to the upcoming year, all at once. We feel this unexpected huge increase due to the homeowners ' insurance not being paid on time is the fault of our mortgage servicer and a special workout should be put in place as a result ( extending time to pay the shortage ). We also feel they may be collecting too much as we have family members with a different servicer ( XXXX XXXX ), that had a larger shortage of {$3300.00} yet their payment only went up by $ XXXX.
Product: Checking or savings account

XX/XX/XXXX I've deposit {$2700.00} to current while I transfer my money from XXXX  Current has suspended my account while my money was pending on the account today XX/XX/XXXX the deposit went to my suspended closed account which I did not consent so now my money is somewhere and Noone could help me after calling current several times 15 U.S. Code 1693j - Suspension of obligations 31 U.S. Code 3526 - Settlement of accounts 7 U.S. Code 499i - Accounts, records, and memoranda ; duty of licensees to keep ; contents ; suspension of license for violation of duty 4-214. RIGHT OF CHARGE-BACK OR REFUND ; XXXX XXXX XXXX XXXX XXXX RETURN OF ITEM.
Product: Debt collection

I tried to find out the right amount but they just took some off and tried to make me pay the rest but the bill I got in the mail never said this amount
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to XXXX, XXXX, and Experian to update my address to the correct address because i only have one address. the job information they have on file was incorrect. My name was incorrect on my file. I need to have my personal information updated to the correct information. I previously sent a copy of my state id and utility bill to show proof of my correct personal information. Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts. Actually I am not sure that the account is even mine though your company claims to have verified these. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX .... 
XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX ....
Product: Credit reporting or other personal consumer reports

Experian does not properly investigate consumer complaints of errors in credit reports, threatening their access to credit, employment and housing & ( Fcra )
Product: Debt collection

On XX/XX/23 I received an alert that an account was entered on my credit report by Southwest Credit Systems. I have never verbally spoken to this company or received any written documentation from them. I am aware that this is a violation of my rights. According to the FTC, a collector has to give you validation information about the debt, either during the collectors first phone call with you or in writing within five days after first contacting you. Therefore, i demand that this entry be removed from my credit report immediately.
Product: Credit reporting or other personal consumer reports

[ RE : Account # : XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Identify item ( s ) XXXX resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. 
Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled.

A copy of my Identity Theft Report and proof of my identity.

Pursuant to section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four
business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply. If you have any questions, please do not hesitate to contact me for more documentation or information at ( phone number ). 



Sincerely, XXXX XXXX Enclosures : Identity Theft Report Proof of identity : [ a copy of my drivers license/other government-issued identification ]
Product: Credit reporting or other personal consumer reports

This is NOT A DISPUTE. I believe the information being reported to be inaccurate. 
CB/VICSCRT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

This complaint is prompted by a series of disappointing decisions by American Express so will be my complaint 1 of 3. I will keep them separate for clarity. This case was somewhat convoluted by a series of price increases I did not consent to and credits that were promised to me, but for the sake of simplicity for this complaint I will forego all that and simply focus on the basic issue ( which ends up being a much smaller dollar figure ). 

In brief, XXXX overcharged me, and I disputed the amount on my American Express card, providing all the required documentation, but they found in favor of XXXX  on multiple re-opens of the dispute. My complaint here is against XXXX for overcharging me in the first place, and against American Express for violating the terms of our service agreement regarding dispute resolution and the guarantee I do not have to pay bills I never authorized. 

XXXX overcharged me by some amount that for the purposes of this complaint we will call {$110.00} ( but was quite a bit more ). I called to cancel service on XX/XX/2023, because XXXX does not allow written or or online cancellations, see attached screenshot. My personal belief is that they do this to intentionally make it difficult to cancel, but see attached phone log screenshot to see my call history to cancel. 

I already had another internet provider at the time ( XXXX home, see attached billing statements ) and did not need both internet providers, but called back again on XX/XX/2023 to reiterate my cancellation. Nevertheless, I was charged again on XX/XX/2023, nearly XXXX and a half months after I first attempted to cancel and a over a month after I canceled it for the second time. I did not record my phone conversation with the agent, although in XXXX I wish I had, but by the second cancellation call which I have documented in the attached screenshots, I was already over a week into my new XXXX XXXX XXXX XXXX, and so I can only appeal to the obvious common sense that someone calling the phone number given to cancel service who had other internet service in place and had recently signed up for faster internet from another provider, would not simply be calling the XXXX  cancellation number to simply chat. 

I relayed all of this, and provided all of this information, to the dispute resolution team at American Express, and at first the immediately resolved it in favor of XXXX essentially instantly ( within seconds ), which indicates pretty clearly there is some nefarious relationship they have agreed to in clear contrast to the cardholder agreement regarding cardholder protections. Upon raising this issue several more times to American Express, each time it was resolved in favor of XXXX, with the particularly galling claim that the evidence points in favor of the merchant, when exactly zero such evidence was provided, and I provided numerous forms of evidence to support my claims.The primary dispute reference number for American Express is XXXX, though as I have said, there are more. 

Both American Express and XXXX have engaged in clear bad-faith business practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXX/XX/XXXX - I have no knowledge of this collection account. 

XXXX XXXX XXXX, XXXX XX/XX/XXXX I have no knowledge of this collection account. 

HARD INQUIRIES - I have no knowledge of these hard inquiries. 
This inquiry could stay on your report until XX/XX/XXXX. 

Inquiry from XX/XX/XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX XXXX XXXX DUP INQUIRY ) XXXX XXXX, CA XXXX ( XXXX ) XXXX
Product: Debt collection

I n XX/XX/XXXX, I switched my phone plan to XXXX XXXX. I set up autopay, which has worked perfectly, with a {$0.00} balance every month. I received this threatening letter dated XX/XX/XXXX ( attached ) from Receivable Performance Management for {$130.00}. I would like to know how they found out that I now have service with XXXX and why they are sending out a fraudulent collection letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

An auto loan with American Honda Finance went into charge off in 2013 after a medical emergency which left me unable to work for 6 months. Back in 2013 I spoke to the American Honda Financial Services representative, I got a verbal agreement over the phone stating the charge off would be removed and that he would take care of the credit reporting once the car was paid. I paid the car off in full. I received Paid in Full Letters and a lien clearance letter from American Honda Financial Services. The charge off 's were never removed from my credit report. Fast forward seven years later. I have disputed these items multiple times. The only credit reporting agency which refuses to remove it is XXXX. I have called over 15 times in the last 2 months. They tell me a different story every time. The representative keeps stating that there is nothing that they can do without  authorization. I provide them the authorization letter ( Lien Clearance ) from American Honda Finance and they tell me I have to continue to dispute it until it is removed. It has been years of back and forth. The information on my credit report is inaccurate and what XXXX is doing is illegal. I provide them all the information that they request and they refuse to remove it. I recently redisputed the same negative item and Myfico score went down. American Honda Finance updated the information that caused my score to go down. XXXX  is the worst of the three credit bureau. In my experience, XXXX will side with the lender even if the information is incorrect.
Product: Debt collection

The company sent me the invoice from a purchase someone made on XX/XX/XXXX in XXXX, Ca. I would like to see the signed purchase agreement. No way could I have made this transaction. As I was just released from XXXX XXXX XXXX in the wee hours of the morning on XX/XX/XXXX /or XX/XX/XXXX., 2018. In Addition my address was XXXX XXXX XXXX XXXX In XXXX, Ca, not XXXX XXXX XXXX. I never even saw this bill. 

I left XXXX in XXXX of 2018. This is not right its unfair that this has to sit on my credit. 

For the past 3 years I have been paying my bills and on time. It is now time for me to get a home for my son and I, and I cant get help because of a collection on an account I thought was closed paid as agreed and in good standing. The creditor sold the account recently to a debt collector, this is wrong and unfair, they even lied and said I made payments in XXXX, I never knew about this account until I recently received a phone call and ran my credit.
Product: Credit reporting or other personal consumer reports

Please see attached docs regarding the fraudulent accounts listed on my XXXX consumer report in result of 605c