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

Equifax Information Services LLC XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Complaint Regarding Account XXXX  ( Account Number : XXXX ) Dear Equifax XXXX I am writing to formally contest the validity of the debt associated with XXXX, account number XXXX. I submitted a written request for verification of this account on XX/XX/XXXX, as required under the Fair Credit Reporting Act ( FCRA ), particularly Section 609 ( a ) ( 15 U.S.C. 1681g ), which mandates that consumers have the right to access accurate information in their files. To date, I have not received any legitimate verification or satisfactory response from your agency.

Upon reviewing my credit report, I have identified several discrepancies regarding the handling of this XXXX  account : Last Payment Date : The last payment date reported varies among agencies ; for instance, XXXX and XXXX reflect a payment on XX/XX/XXXX, yet the Equifax report lacks clarity in this respect. 

XXXX XXXX : All reporting agencies indicate a balance of {$0.00}, which raises significant questions about the consistency and accuracy of this account 's reporting. 

Date of Last Activity : Equifax states the date of last activity was XX/XX/XXXX, while other agencies show differing dates ( e.g., XX/XX/XXXX with XXXX ). This inconsistency warrants immediate clarification. 

Account Status Variations : The account status is reported as " Closed '' across various agencies, yet the accompanying payment statuses ( such as " Collection '' or " Charge-Off '' ) create confusion regarding its standing.

Derogatory Reporting : There is conflicting information regarding the derogatory status of this account, with it being marked as " Paid '' in some instances while indicated as " Derogatory '' elsewhere, which could adversely affect my credit score.

Furthermore, your failure to respond to my request for verification of the debt within the FCRA standard timeframe constitutes a violation of my rights under the FCRA, as it undermines my ability to challenge the accuracy of the information reported and ensures that unverifiable debt remains on my credit report. 

Given the lack of proper validation of this XXXX account and the discrepancies outlined above, I demand the immediate deletion of this account from my credit report. The FCRA stipulates that if a debt can not be properly verified, it must be removed. 

I expect your prompt attention to this matter and anticipate a resolution within the legally required timeframe. Please confirm receipt of this complaint and inform me of the steps that will be taken moving forward. 

Thank you for your cooperation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several fraudulent inquiries on my consumer profile that I did not authorize and they need to be removed immediately as per regards the FCRa law 605B and FCRA law 1681 ( a ) ( e ). The Inquires are as follows : 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 XXXXXXXX ( XXXX XXXX XX/XX/22, XXXX XXXX. 

All inquires are fraudulent where contained without my consent and are violating my. Consumer rights and the statue FCRA15 USC 1681ae and FCRA 605B and therefore must be eradicated in 4 calendar days or I am to be compensated $ XXXX damages and defamation per Inquiry totaling {$15000.00}
Product: Student loan

They capitalized interest 7 times betwe en  XX/XX/XXXX  and  XX/XX/XXXX  which resulted in an additional {$4000.00} plus being owed on my private loan. I  have qualified for a rate reduction several times since then. When out of the reduced rate program they have increased the interest rate enough to cover the reduced rate plus. My previous rate was 1 %. My current interest rate in 11.75 %. Prior to this my interest rate was 10.75 %. So its not really reduced if they are recouping it after. I initially borrowed {$6000.00}. I owe now  XXXX . They are making 100 % interest.
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. The accounts XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX are still showing late payments on my report. I'm hoping that these disputed accounts get corrected as well.
Product: Checking or savings account

I have been a customer of PNC bank since XX/XX/XXXX, when it acquired XXXX bank ( which I had been a customer of since XX/XX/XXXX ). Recently, PNC changed the terms of my checking account without adequate notice. One day last month I noticed an {$11.00} fee assessed to my account. I used PNC 's online messaging system to request a refund, which was granted. I also chatted with their online service to try to figure out why I was assessed the fee and how I could avoid it going forward. The terms were n't quite clear to me so I went into a local branch to discuss with a banker in person. Even the banker was a bit confused as to what was required to avoid the fee ( apparently I have an old account which they do n't even offer anymore ), but he told me that I either needed keep an average balance of {$1000.00} per month OR I needed to both receive a direct deposit AND pay a bill using their billpay service each month. I do already receive direct-deposit twice a month at least and then I signed up that very same day to pay a bill using their billpay. However, I was assessed an {$11.00} fee again this month. I contacted my banker to ask for a refund and was told that my bill-payment was made 1 day outside the window of my bank statement and that it could not be refunded. I explained to him that the terms had been unclear and it seemed unfair that, although I did jump through the bank 's hoops and do what was required, I was still assessed this fee. And by the way, I had not been made aware of when the bill payment needed to be completed by, so the fee seems unreasonable. The bank 's tactics have been confusing and deceitful. I wonder how many other customers they are doing this to ... and how can they change the terms of my account without adequate notice? Thank you in advance for your time and your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is still reporting on behalf of XXXX a telecommunication firm that is reporting an amount on my credit report for service that I never received or utilized I advise the rep who called me that I am not interested in service and they still signed me up. 
i have been scammed and want this off my credit asap of all bureaus I have called and ask to h=get help from both XXXX  and the credit company that purchased the debt are not removing even after I have asked for them to prove the debt and they cant. 



XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX ( XXXX ) XXXX Placed for collection : XX/XX/XXXX Responsibility : Individual Account Account Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : {$140.00} Date Updated : XX/XX/XXXX Original Amount : {$140.00} Original Creditor : XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am formally disputing multiple accounts that have been unlawfully and inaccurately reported on my consumer credit file, in direct violation of the Fair Credit Reporting Act ( FCRA ). Due to these violations, I am requesting the immediate deletion of the following accounts from my credit report : XXXX  - Account XXXX XXXX XXXX XXXX XXXX - Account XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX Violations of the Fair Credit Reporting Act ( FCRA ) Failure to Ensure Maximum Possible Accuracy Under 15 U.S.C. 1681e ( b ), consumer reporting agencies must follow reasonable procedures to ensure maximum possible accuracy when preparing consumer reports. These accounts contain inaccurate, unverifiable, and misleading information, violating this requirement.

Obligation to Delete or Modify Inaccurate Information Under 15 U.S.C. 1681i ( a ) ( 5 ), if an item of information is found to be inaccurate, incomplete, or unverifiable after reinvestigation, the consumer reporting agency must : Immediately delete or correct the inaccurate information from the consumers file. 
Notify the furnisher that the item has been modified or deleted.

Prohibition on Reporting Inaccurate Information 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) strictly prohibits furnishers from reporting information they know or have reasonable cause to believe is inaccurate. The accounts listed above have been wrongfully reported and must be deleted immediately.

Unauthorized Disclosure of Consumer Information Under 15 U.S.C. 1681b ( a ) ( 1 ), credit reporting agencies must ensure that only accurate and legally permissible information is included in consumer reports. Since the disputed accounts fail to meet these legal standards, they must be removed.
Product: Credit reporting or other personal consumer reports

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

Account ( XXXX ) Name : XXXX  XXXX Account Number : XXXX, XXXX XXXX XXXXXXXX Account Number : XXXX has violated my rights.

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 ; 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: Debt collection

I have sent letters to this company on a couple of occasions. Asking them to validate this collection debt they are stating I owe. The most recent letter was sent to them on XX/XX/2021 and they have yet to respond. The last letter I received from them stated that they were not going to dispute because my letter was frivolous to them. I have been asking them to validate this collection debt by asking them a series of questions. Like proof they own debt, proof that have a right to collect in Florida-my state, proof of bond, how were fees determined, how much did they pay for debt? etc etc. 

They have blatantly disrespected me, my request and violated my rights under the fdcpa and hippa laws. I have health insurance and how they are saying I owe this debt is baffling to me. I need to see proof that I had this service, what services I am being charged for and what the cost of each service I am being charged for because this company is ruining my credit reputation. 

Furthermore, This Collection Agency did NOT provide me a HIPPA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPPA rights. I am getting ready to find me a lawyer to see what I can do legally. Should this item not be deleted within the required time allowed by law. 

These are the dates I sent collection company letters : XX/XX/2021 XX/XX/2021 Respectfully Yours,
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX XXXX and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible. 

Based on, 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It's been more than 30 days and you as the credit reporting agencies are in VIOLATION of this law because I am a victim of identity theft! Please remove these accounts as soon as possible! 

Base on, 15 U.S. Code 1666 ( a ) Written notice by obligor to creditor ; time for and contents of notice ; procedure upon receipt of notice by creditor ; because I am a victim of identity theft! Please remove these accounts as soon as possible!

Based on, 15 U.S. Code 1666 ( e ) Any creditor who fails to comply with the requirements of this section or section 1666a of this title forfeits any right to collect from the obligor the amount indicated by the obligor under paragraph ( 2 ) of subsection ( a ) of this section, and any finance charges thereon, except that the amount required to be forfeited under this subsection may not exceed {$50.00} because I am victim of identity theft! Please remove these accounts as soon as possible!
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 any item 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. 

Here is the list of inquiries which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

Since XXXX of XXXX I have been trying to get accurate payment status of my auto loan. I am NOT 30 days past due. This is not accurate. I have requested this debt validated and they keep saying it has been verified. Most recently XX/XX/XXXX I got an alert they updated to paid current, and then today I got another alert that the account is 30 days past due. This is NOT accurate at all. Its unfair.
Product: Mortgage

United Security Financial Corp has selected " XXXX '' to service our VA mortgage after years with another firm. We are paid by the govt every XXXX of the month and have been making an electronic payment from our bank on this date throughout the term of the loan. We have NEVER missed or late on a payment. Their agent, XXXX, has now initiated debt collection calls on the XXXX and informed us that they will continue to harass us on the XXXX of every month hereafter.
Product: Credit card or prepaid card

In XXXX on a Sunday, I was called about a missed payment and I asked how to get on a payment plan and how much I could pay I agreed on XXXX a month to get caught up within three payments but I got a statement for a minimum amount of {$1200.00} a month I have tried multiple times to tell them to put it towards the cash advances I did but they refuse to do so I am in my right to put the payments toward the cash advances Once again I had a payment agreement for $ XXXX for three months
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, CA. XXXX XX/XX/XXXX XX/XX/XXXX Acct : XXXX XXXX XXXX DE XXXX I am writing you because its has brought to my attention that Under the Fair Debt Collection Practices Act, debt collectors are prohibited from using false, deceptive, or misleading practices to collect debts. I am well-versed in the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, and it has become clear that my rights are being violated. Under 15 U.S. Code 1681b - ( B ) the parentage of the consumer for the child to which the obligation relates has been established or acknowledged by the consumer in accordance with State laws under which the obligation arises ( if required by those laws ) ; and ( C ) the consumer report will be kept confidential, will be used solely for a purpose described in subparagraph ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose. It has been 30 days and you are in VIOLATION of this law. Please delete this item IMMEDIATELY! This account should not be furnished on my consumer report as its in VIOLATION!!! At this time I will also inform you that if your offices have reported invalidated information to any of the XXXX major Credit Bureau 's ( Experian, XXXX or XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : * Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act * This is Defamation of Character and all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. **Attachments showing that this account has been deleted from the other credit reporting agencies. **
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report. 

XXXX XXXX XXXX XXXX XXXX {$600.00} US DEPT ED XXXX {$6000.00} XXXX XXXX  XXXX {$330.00} COLLECTION XXXX {$7000.00} COLLECTION XXXX {$510.00} XXXX XXXX {$4500.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}
Product: Mortgage

OCWEN Loan Servicing took over my mortgage and the interest rate on XXXX house is 10 % and interest on the other house is 7.9 % I asked, called and wrote a letter asking them to lower interest rate. They will not do it. I do not qualify for a loan re-financing because I am unemployed and poverty level. I do have school loans which are also considered for the rejection of the re-financing.
Product: Debt collection

I would like to settle my debt, however the phone number has been disconnected CREDIT PROTECTION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX
Product: Checking or savings account

I signed up for a checking bonus offer. Completed the requirement of direct deposit and bank has not issue the bonus. 
Im requesting the bank to complete the bonus XXXX took call and did not resolve the issue
Product: Credit reporting or other personal consumer reports

XXXX of XXXX till XX/XX/year> I have requested for all information to be VERIFIED and to MAKE SURE THAT ALL INFORMATION IS " ACCURATE ''. My life has been placed in danger because of the allegations of the alleged debts are Completely Abusive and harassing me as the Natural person the consumer. I am trying my best to live in peace but I am in fear for my LIFE and have been falsely imprisoned by this C.R.A. There behavior is Not right and whomever is responsible should be arrested to and fined to the highest Degree. XXXX XXXX is the president of this unjust and victimized institution has played a key role in how inaccurate and Harassing information in plasted to the WORLD. Me obtaining Essential GOODS is not possible. There must be a change I can't live with all the lies that's placed on me.
Product: Debt collection

1. ) This company is not licensed to collect in my state ( NC ) 2. ) they never reached out to me regarding this debt so i was not given a fair chance to contest the validity of the debt before they reported this to my credit report.
Product: Student loan

I have over $ XXXX in XXXX school loans currently being serviced by FedLoan Servicing. I am a XXXX   and have been making qualifying payments for the last almost 9 years toward the Public Service Loan Forgiveness program. By my own count I have made 105 qualified payments of the 120 payments required for loan forgiveness. FedLoan currently has two of my loan payment counts at 75 and two at 60. These numbers are dramatically lower than the actual count and should be the same as I have never paid on only half of the loans - the payments should have been going to all four. I  called and requested a manual recount for my account with FedLoan on XX/XX/2020 but still have not received results of that recount.
Product: Credit card

The new interest rate at Macy 's, CitiCorp is 34.49 %. That is 26 % above the XXXX XXXX and primarily falls on the poor. 
This is outrageous and should be against the law.
Product: Checking or savings account

On XX/XX/XXXX I deposited a check of XXXX. Chase bank held this amount from avaliable funds, however the check still posted on the day it was received. Chase then decided to charge insufficient funds for transactions that were made ( and did not go over the XXXX ) after XX/XX/XXXX. Even though the check shows deposited before the transactions were made.
Product: Payday loan, title loan, or personal loan

The account has been charged off and no 199-c was mailed. in violation with it on my report.
Product: Credit reporting

Hello- I have previously disputed this item with Experian. We were the victims of XXXX and subsequently were awarded money in a lawsuit that the CFPB brought against XXXX XXXX for Mishandled loan modifications and delayed short sales. Our case is simple we were working on a loan modification with XXXX XXXX XXXX who our mortgage was with and our credit report shows when the loan servicing was suddenly changed to XXXX XXXX. From there everything went downhill fast. We were told we had two miss payments on the loan to qualify for a loan modification or before they would allow a sale of the home. Because of this several sellers walked away and we had to take a much lower offer. For these reasons and many others listed in the lawsuit. I believe that this account now ( XXXX XXXX XXXX ) should be deleted from my Experian credit report. XXXX XXXX XXXX changed names to XXXX XXXX XXXX. So the account on my credit report now shows up as XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

See attached. Equifax is deliberately enabling Identity Fraud. It is required to remove and block items on my credit report within 4 days once it has notice of identity theft with an FTC report and it has failed to remove the items. I am once again attaching the ID Theft Report as evidence for any future proceedings.