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

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute Regarding Equifax 's Inadequate Investigation Dear CFPB Representative, I am writing to formally dispute the handling of my complaint against Equifax regarding inaccurate reporting on my credit report. My primary concern is that Equifax is reporting my consolidated loan with XXXX twice, which has negatively impacted my credit profile. 

I have submitted multiple complaints to Equifax requesting a thorough investigation into the duplicate reporting of my loan. Despite my efforts, Equifax has failed to adequately address my concerns. Their response stated that they verified the accounts and confirmed that they belong to me. However, they did not acknowledge my primary issue : that I have one consolidated loan with XXXX, account number XXXX, and it is being reported as two separate accounts. 

The details provided by Equifax in their response included the following : - Trade : XXXX XXXX XXXX XXXX - Equifax verified that this item belongs to me and stated that the account has been updated with additional information. 
- Both instances of this trade line appear to indicate that they belong to me without addressing the duplication issue I raised. 

I want to clarify that I have never denied the loan is mine ; my concern is solely about the erroneous duplicate reporting. I have provided supporting documentation to substantiate my claim, yet Equifax continues to disregard my request to remove the duplicate account. 

I believe that Equifax has not conducted a thorough investigation as mandated by the Fair Credit Reporting Act, and their failure to resolve this matter is causing me considerable distress. I respectfully request that the CFPB look into this issue to ensure that Equifax complies with the necessary regulations and provides a fair resolution to my dispute. 

Thank you for your attention to this matter. I appreciate your assistance in helping me resolve this issue with Equifax. 

Sincerely,
Product: Debt collection

On XX/XX/XXXX I sent The Moore Law Group ( debt collector ) a letter asking them to prove their claim and to let them know I am represented by an attorney. On XX/XX/XXXX I received a threat letter from them. Both letters are attached. Their reply is no way to respond to a letter and their reply to me is in and of itself a violation of the FDCPA on top of the other violations. I am requesting that the CFPB investigate and have The Moore Law group contact my authorized representative.
Product: Debt collection

I am writing a complaint of a collection account listed on my credit reports. I do not recognize this claim. Please provide me with written documentation to validate this purported debt, an itemized statement showing the amount you claim I owe, copy of the written agreement or promissory note I signed relating to this purported debt, agreement with the creditor that authorizes you to collect on this alleged debt, agreement bearing my signature stating that I have agreed to assume the debt, valid copies of the debt agreement stating the amount of the debt and interest charges, complete payment history on this account along with an accounting of all additional charges being assessed, show me that you are licensed to collect in my state ; and your license numbers and Registered Agent. If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. Thank you. I will await your reply.
Product: Credit reporting, credit repair services, or other personal consumer reports

I attended to XXXX College - XXXX XXXX and was advised by XXXX XXXX XXXX to take a private loan. This loan ( s ) has been sold to different asset management companies. The latest is XXXX XXXX XXXX who bought the loan and is currently the owner of it. Now, regardless who the owner of loan is, the manager of this account has always been Unisa , INC to whom I've been on a payment plan for awhile ( automated monthly payments are taken out of my credit card ) even though am on a payment plan with Unisa , Inc. XXXX XXXX XXXX ( new owner of the loan ) has reported my accounts ( 2 student loans ) to  collections. They do not honor the payment plan with Unisa , INC. even after they became owners of the loan I was notified that Unisa , INC will continue to manage the loans and the my payment plan with remain in good standing for 12 more months.. I filed disputes with 3 major credit bureaus and they denied my request to remove negative collection information from my credit report because XXXX XXXX XXXX does not honor the payment play they notified me in writing about at the time they bought the student loan.
Product: Vehicle loan or lease

On XX/XX/2017 I started a lease thru Lone Mountain with Cresco Capital being Leesor 7months into the lease the engine failed, I had it towed to XXXX XXXX in XXXX Tn XXXX for a diagnosis, upon the completion of the diagnosis, I was informed that it was going to cost {$14000.00} which I was prepared to pay, however, further diagnosis revealed an additional problem which amounted to {$1900.00} more than I was able to afford, After speaking with the receptionist XXXX XXXX XXXX she mentioned that I could finance the {$1900.00} but I had to fill out the credit application which I was willing to do however, upon my arrival I was told that the truck had been towed by Lone Mountain and terminated the lease
Product: Checking or savings account

Dear Revolut Customer Support, I am writing to formally raise a complaint regarding multiple unresolved issues with my Revolut account associated with the email address [ XXXX XXXXXXXX  ]. These issues have caused significant inconvenience and concern regarding the security of my personal and financial data. The specific issues are as follows : 1. Loss of Access to Account : I lost access to my account and have been unable to regain it, despite multiple attempts to resolve the issue through your customer support team. 
2. Failure to Receive Replacement Card : After requesting a replacement card, I never received it, which has left me unable to access my funds or utilize your services. 
3. Misrepresentation of Services : I believe Revolut has misrepresented its services, as I have not received the level of support and timely issue resolution that was promised. 
4. Unauthorized Transactions : My account has experienced unauthorized transactions, which I reported. However, no action has been taken to address these transactions or secure my account. 

In addition to resolving these issues, I am seeking reimbursement for the following : Reimbursement of {$16.00} for the XXXX XXXX Subscription, which I was charged but could not utilize due to the account issues. 
Reimbursement of my last known account balance, as I have been unable to access or retrieve these funds due to the loss of account access. 

Despite contacting customer support on several occasions, these concerns remain unresolved. I kindly request that these issues, including the reimbursement, be addressed within 14 days of this letter. Should I not receive a satisfactory response, I will escalate this matter by filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and other appropriate authorities.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account 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 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed a bankruptcy showing on my Experian credit report several times, and Experian has not fully investigated and removed it. On letters I have received, it shows they use a third party called XXXX, which resells information to Experian. Based off of this, I have verified that this public record is no longer showing on my XXXX report, however, Experian is still reporting it. 

According to the letter provided by XXXX ( Attached to this complaint ), XXXX initiated a dispute on my behalf with Experian.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against SYNCB/CAR CARE XXXX XXXX concerning inaccurate information reported on my credit report. The account in question, with the account number XXXX, shows a balance of {$0.00} and includes a creditor comment stating " Settled-Account paid for less than full balance. '' While the balance is accurately reflected as {$0.00}, the comment provided by the creditor is misleading and does not accurately represent the circumstances of the account settlement. This misrepresentation can negatively impact my creditworthiness and is causing inaccuracies in my credit report, potentially affecting my credit score.

This inaccurate reporting is a violation of the Fair Credit Reporting Act ( FCRA ), which requires that creditors and furnishers of credit information ensure the accuracy and completeness of the data they provide to credit bureaus. Under 15 U.S.C. 1681s-2 ( b ), creditors are required to investigate and correct any inaccuracies in the information they report. The misleading comment provided by SYNCB/CAR CARE XXXX XXXX not only fails to comply with these legal obligations but also damages the integrity of my credit history.
Product: Credit reporting or other personal consumer reports

When my credit goes up it goes down without explanation and I have to deal with it. It could go up XXXX points and then go down XXXX points the same week for no reason.
Product: Debt collection

I receive letters frequently ( multiple times per week ) from XXXX and Payment Resolution Services ( PRS ), " represent [ XXXX ] the interests of XXXX '', for money that is not owed as far as I can tell. XXXXPRS have not provided adequate evidence of why the money would be owed and it is related to medical claims from years ago in most cases ). I have repeatedly disputed the claims by mail, phone, email, and certified mail ( return receipt ), including using the CFPB form cease and desist letter ( which I have the confirmation of receipt for ), yet the letters continue ( for example, I received XXXX in the mail today, which arrived in the last week ). I welcome the chance to clear my name, yet XXXX/PRS refuse to speak to me directly at this point ( they previously confirmed in email multiple times that the debt was not owed )- they continue to deny having spoken to me or having received me emails or letters, and continue to harass my family with bogus debts while not paying actual claims that we should be paid for.
Product: Checking or savings account

On XX/XX/2019 a transaction was made with my Citibank debit card for the amount of {$200.00} with XXXX XXXX. The food was defective, which caused me food poisoning. I contacted XXXX to complain about my situation ; however, there was no way for me to get in touch with a representative because the the phone call is only automated. I contacted my bank a few days later to dispute this transaction. I provided a statement to my bank. I called a few weeks later to check on the status and they told me that my dispute was cancelled. There was no explanation on why it was cancelled but they suggested that I submit another dispute. I submitted another dispute XX/XX/XXXX. A document was mailed to my home from Citibank with a questionnaire of the same questions I answer over the phone when I provided my statement. Its XX/XX/2019, over a month later and they still have not taken any action on my complaint. Representatives have provided an explanation of me not being the only customer they have and they are still looking into this matter. Ive banked with other banks and Ive never been treated this way and Ive never had a bank take over a month investigate a complaint or deposit funds into my account. Ive been a customer for a while and Ive would have never expected to have a experience like this from a largely known bank.
Product: Credit reporting or other personal consumer reports

Subject : Complaint regarding refusal to investigate and remove collection accounts Dear Sir/Madam, I am writing to express my deep dissatisfaction and frustration with the lack of action taken by credit bureaus in relation to the unjust reporting of two collection accounts on my credit report. Despite my diligent efforts to rectify this matter, the credit bureaus have consistently refused to investigate and remove these erroneous items from my credit report.

The collection accounts in question are associated with XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I have repeatedly requested proof of any contractual obligations between myself and this collection agency, but to my dismay, no evidence has been provided. It is important to note that I have no knowledge or recollection of any such contract, and therefore, I maintain that I am not obligated to this collection agency. 

Furthermore, XXXX XXXX has been inaccurately reported as an active account, despite the fact that it was actually charged off and reported to the IRS as a cancellation of debt. This cancellation of debt is clearly documented in my income tax records. It is both alarming and fraudulent for the company to have filed a cancellation of debt with the IRS, yet continue to report the account as active on my credit report. 

I kindly request that you take immediate action to investigate these matters thoroughly and remove these unjust items from my credit report. It is imperative that my credit history accurately reflects my financial responsibility and integrity. 

I understand that the Fair Credit Reporting Act ( FCRA ) grants me the right to dispute inaccurate information on my credit report, and it is the responsibility of the credit bureaus to conduct a reasonable investigation into these disputes. I urge you to fulfill your obligations under the FCRA and ensure that my rights as a consumer are protected. 

I expect a prompt response within 30 days, as mandated by the FCRA. Failure to address this issue within the specified timeframe will leave me with no choice but to pursue legal remedies to protect my rights and rectify this situation. 

Thank you for your attention to this matter. I eagerly anticipate a swift resolution that will restore the accuracy of my credit report
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach that has compromised my personal information. As such, I request that all inquiries listed below be blocked and deleted from my credit report, pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
The affected inquiries are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

On Monday XX/XX/XXXX/17 I received a call at my employer by the name of a gentleman XXXX XXXX. I 've asked him please do not contact me at work and to call on my cellphone. Everyday since, either him or another employee have continued to contact me on my work phone and I continued to ask them to call my cell, the one woman who called me said you wo n't have to worry about the calls, because you will be sued and served in person at your job. I 've asked for any documentation in regards to this debt that I owe and they could n't provide me with anything. I informed them I have never received any documentation or any phone calls from them which I 've had the same cell # for 10 years. They have also called my Mother and told her everything about my account and that I will be sued if I do n't call them. They have left threatening messages on my cellphone and also my work phone. Telling me it would be in my best interest to contact them by the end of the day or they would continue to contact my employer. They called my job again today XX/XX/XXXX/17 and I informed them I wanted to deal with the company ( original debtor ) regarding this matter, I 've read bad reviews on this company and I 'm tired of them harassing me at work and I informed them I would pursue with a complaint. XXXX then yelled over me and said I was " Ignorant '' for believing what I 've read and I will be sued by him. I received an email from them stating they would " Settle '' however that 's not a settlement amount he told me that was the full amount due. I 'm tired of the calls at work and now on my cellphone threatening to sue me, when I have never received anything from them whether in the mail or on the phone until recent, and they claim they 've been contacting me. This XXXX is also acting as if he 's an attorney. I also thought it was mandatory as a debt collector to always say, " This is an attempt to collect a debt from a debt collector and any information obtained will be used for that purpose '' They have not once said that to me on the phone, but was in this bogus letter I received. I want this company to stop calling me at work and now on my cellphone and calling me names.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and I was shocked to learn that I have been a victim of identity theft. Please remove the fraudulent inquiries from my credit report as soon as possible. Thank you in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. XXXX XXXX XXXX have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the account : XXXX XXXX XXXX Balance : {$4900.00}
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following information that XXXX supplied to XXXX, XXXX and Equifax credit bureaus ; whose report has incorrect information that has not been updated in reference to account ( XXXX open XX/XX/XXXX ). 

Prior to the Pandemic I had an Impeccable Payment history XXXX credit score, I value being a financially responsible client. However, during Covid-19 I suffered from a major hardship, I had a great death in my family, and I lost my former husband, who at the time was my primary source of income. I also was laid off from my Job due to major cutbacks. Being a Widowed wife and a mother of XXXX It was hard to meet all my financial hardships. Nevertheless, I did not want to neglect my financial obligations. If you check the history on my account, I have never missed a payment from the time I opened my account in XXXX until the pandemic ; even after pandemic my payment history has been superior. In XXXX I reached out to your Truist to request hardship payment options, I agreed to do a settlement with your company, hence each account was paid. I was informed that the account would be kept current, no late payments will be reported due to me agreeing to settle the account and Care Act. 

According to the Cares ACT, the CARES Act states if you make a debt-relief agreement, that creditor must continue to report the debt as current. Therefore, no late payments should reflect my credit file during that time. I Request that the late payment history be removed as soon as possible to be in compliance with the federal law. To ensure that creditors adhere to the Federal Law which prohibits Negative Credit Reporting according to The CARES Act signed into law on XX/XX/XXXX, Act to amend Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during COVID -19crisis. ( 15U.S.C. 1681s-2 ( a ) ( 1 ) ( F ). ) This has been an ongoing issue. I have also reached out to XXXX in XXXX, XXXX, and just recently XXXX XXXX via dispute through my credit bureau, however both accounts remain the same inaccurately Late Payment history. 
Please reinvestigate this matter and contact the nationwide credit bureaus to have them delete the disputed late payment items as soon as possible.
Product: Credit reporting or other personal consumer reports

Transunion only sent me a credit report saying verified not giving me how they verified this information. This was a XXXXXXXX XXXX account that was proven it was fraud and XXXX XXXX removed from my credit report in XXXX XXXX XXXX XXXX  it was filled as a collection 2 years later. Please protect my consumer rights and delete this off my credit report
Product: Debt collection

Received calls from H & R accounts on XX/XX/XXXX, XXXX, XXXX, XXXX and XXXX with a recorded message saying to call them back about a debt they were trying to collect. I also received a number of calls from them in XXXX. Never received any written communications from them before. Called them back today to request a debt verification letter to verify the debt, figure out the source and get a reference number to pay the debt. They refused to send out a letter and also refused to remove me from a call list after I asked them to only contact me via written communication.
Product: Credit reporting, credit repair services, or other personal consumer reports

Date Reported : XXXX  XXXX, XXXX Collection Agency XXXX XXXX XXXX XXXX Balance Date XXXX  XXXX, XXXX Original Creditor Name XXXXXXXX XXXX XXXX XXXX Account Designator Code XXXX Date Assigned XX/XX/XXXX Account Number xxxxxx XXXX Original Amount Owed {$77.00} Creditor Classification Medical or Health Care Amount {$77.00} Last Payment Date Status Date XXXX  XXXX, XXXX Date of First Delinquency XX/XX/XXXX Status UNPAID Comments Medical Contact XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX # XXXX XXXX, OH XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was reviewing my consumer report recently and I discovered that there XXXX accounts reported that I did not give permissible purpose, 15 USC 1681b. The information that is reported has and is adversely affecting my character, creditworthiness, reputation, and mode of living. As a consumer, described under 15 USC 1692a ( 3 ), this is a clear violation of several federal laws including the FCRA, FDCPA, the GLBA, and Title 18 under Identity Theft. 15 USC 6801 & 6802, emphasizes the importance of securing non-public personal information and the agencies knowingly and willfully possessed and transferred this means of identification without authorization, which is a clear indication of 18 USC 1028 Therefore, I kindly demand a block of all the accounts, per 15 USC 1681c-2 ( a ). Accounts : XXXX XXXX - {$1500.00}, XXXX XXXX XXXX XXXX XXXX {$1100.00}, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX - {$1000.00}, XXXX XXXX XXXX XXXX {$540.00}, Hard Inquiries : XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX,
Product: Credit reporting or other personal consumer reports

There are Alot Of Fraudulent accounts on my credit Reports Listed Below XXXX Account # XXXX XXXX  XXXX Account # XXXX XXXX  XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX