23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

Equifax has confirmed that this account XXXX XXXX XXXX XXXX is both inaccurate, and then incomplete, and has stated that there is nothing they can or will do to correct the problems that are apparent on this file. 

Please note the first XXXX responses, however incorrect from EQ - from, we verified your ssXXXX, name, you own the account and those responses were never the issue I do NOT believe that EQ change the designator before XXXX ( their last file print date ) as I have credits reports for each day up and through the date printed on the final report - and with NO change to the Activity Designator. 

Considering the statement date for this card - and considering that XXXX says they are sending a Closed status - I am unable to be left in the middle. 

The account/tradeline 's Activity Designator is incorrect The account Pay History is incorrect The Accounts Pay History is Incorrect As per FCRA rules, that allow for the deletion of tradelines that are in this state - PLEAS DELETE this account. 


Equifax has reviewed the complaint and its records. We show that you recently contacted Equifax on XXXX/XXXX/2016 via case XXXX regarding the item listed in the complaint. The results of the investigation were sent to you on XXXX/XXXX/2016. The activity designator field on XXXX XXXX account XXXX was subsequently updated to C. This update was undone when the credit grantor made their monthly report of this account. You were also advised that this account is reporting as closed by consumer. Please be advised that the " current status '' of an account is reflected in the status field of the trade line and not in the activity designator field. The current status of this account is XXXX.. Equifax is unable to take further action on the items that you have listed on this complaint. As previously requested, if you have additional relevant information and/or documents, please forward it to us and we will review and/or pass the information/documents to the data furnisher for review
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I discovered several unauthorized hard inquires and accounts that i do not recognize. I contacted the credit bureaus to dispute these hard inquires and accounts and requested their removal. Unfortunately, the credit bureaus refused to remove them off of my credit report. The issue is causing undue stress and is negatively affecting my financial standing.
Product: Debt collection

In XX/XX/XXXX I applied for and received an online loan from XXXX. The loan amount was {$800.00} with 17 payments of {$130.00} totaling {$2200.00}. I made several payments totaling {$930.00} which was more than the amount we loaned to me. In XXXX, I had some financial and health issues come up and I couldnt make my payments. Not knowing what the online lender could do I contacted the Indiana Department of Financial Institutions and the Indiana Secretary of State, both of which informed me that XXXX wasnt licensed in the state of Indiana, theyre tribal leaders and charged illegal rates of interest. They advised me that the loans were illegal thus making them null, void and uncollectable. Upon receiving this information I contacted XXXX via phone and told the what I was told. After that conversation I still received emails from them trying to collect money from me. On XX/XX/XXXX, I received an alert from my credit monitoring app that a collection account was added. The account was reported by - Complete Credit Solutions , Inc . 
In regards to the XXXX account. After making several phone calls I was told that XXXX sold my account to this company. I contacted XXXX and once again advised them that the loan was illegal thus making it null, void and uncollectableband that they needed to pull back my account from the collection agency. They said they a case manger would look into it. I wasnt given any time or even the persons name. I then contacted Complete credit solutions- who were very rude and basically said that they have money on this account and I needed to pay. I advised them that the loan was null, void and uncollectable but they insisted that this legal for them to report this to the credit bureau. I have since then filed a dispute within the credit bureau XXXX. 

I also had another loan with XXXX that I received in XX/XX/XXXX paid in full in XX/XX/XXXX. Loan amount was {$800.00} total amount paid {$2000.00}.
Product: Debt collection

Was contacted by XXXX XXXX of Prime recovery LLC. XXXX stated I owed a balance of XXXX and asked me how I would like to resolve. I explained to XXXX XXXX that I did not have a XXXX account in which she responded that I clearly did because it was under my information. XXXX XXXX also responded that XXXX was not the original creditor. I asked who the original creditor was and she stated she could not see but would message her support team to find out. While XXXX XXXX was requesting this information, she accused me of using a stall tactic and threatened to take me to court, put this account on my credit report, and charge additional legal fees. I explained that I would like to see a verification of this debt and she stated they have already sent this to me. XXXX XXXX stated I made a payment in 2019 and I asked for how much and what the last XXXX of the account number was that was used to pay this payment. XXXX XXXX stated she couldn't see this information and suggested I pay the bill because it is my debt. I explained I received an email yesterday from her company and it disclaims that I have the right to dispute and request verification for this account under the FCRA. I asked for a mailing address to write a dispute and request this verification and she informed me she works from home and could not provide this. XXXX XXXX then stated her support team messaged her back stating they are marking me as a refusal to pay and will proceed against me with a law suit and place this file on my credit report. She stated all of this information was already sent to me and I failed to respond. I verified my new address and explained the address she had on file was a place I had lived in 2019 and have been at my current address since. I asked to send this verification to my new address and she refused saying she only collects. 
Prime Recovery LLC is refusing to provide verification of debt, original creditor, original amount of said debt, payment history and form of payment, using scare tactics and threats, and a proper address to provide in writing my dispute of debt request any said records pertaining to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have unknown accounts that needs to be looked into and removed from my credit report.
Product: Debt collection

I am a FEDERALLY PROTECTED CONSUMER I am making this complaint against MIDLAND CREDIT MANAGEMENT MCM # XXXX. I reject MIDLAND CREDIT MANAGEMENTS offer to contract I did not consent to any nonaffiliated third party MIDLAND CREDIT MANAGEMENT MCMC # XXXX to be in possession of my Nonpublic Personal Information. I never gave permission to MIDLAND CREDIT MANAGEMENT use or to be in possesion of any of my identifying information. This is a Violation of THE GRAMM- LEECH- BLILEY ACT . They are harrasing me thru email, phone calls, and mail. I HAVE NO CONTRACT WITH MIDLAND CREDIT MANAGEMENT AND I HAVE NO LEGAL OBLIGATION TO PAY MIDLAND CREDIT MANAGEMENT. This is there notice to cease and desist all illegal activity and communications .I am not requesting validation of any alleged debt as I KNOW NOW that by MIDLAND CREDIT MANAGEMENT obtaining my Non Public Personal Information without my lawful authority constitutes Aggravated Identity Theft 18 USC 1028A. FDCPA STATES THAT MIDLAND CREDIT MANAGEMENT DOES NOT HAVE THE RIGHT TO CONTACT ME WITHOUT MY CONSENT PRIOR WHICH THEY DO NOT HAVE. XXXX SOLD MY NON PUBLIC PERSONAL INFORMATION TO this debt collection company ''. Based on that I now have reason to believe that THEY ALL are conspiring against me trying to collect on a EXTENSION OF CREDIT through UNLAWFUL extortionate means. There is no TRILATERAL CONTRACT BETWEEN US MIDLAND CREDIT MANAGEMENT THAT STATES I HAVE THE LEGAL OBLIGATION TO PAY MIDLAND CREDIT MANAGEMENT. THE FAIR DEBT COLLECTION PRATICES ACT ( FDCPA ) AND THE FEDERAL TRADE COMMISION ( FTC ) AND CFPB WERE CREATED TO PROTECT FEDERAL CONSUMERS LIKE ME FROM THESE ILLEGAL PRATICES. I AM PREPARED TO SEEK JUSTICE AND DEMAND ALL MY FEDERAL RIGHTS BE PROTECTED, AND ENFORCED AND IM CALLING ON THE CFPB TO ENFORCE AND POLICE MY CONSUMER FEDERAL RIGHTS. The collection of an extension of credit would be a VIOLATION OF THE FALSE CLAIMS ACT. AGAIN WE HAVE NO CONTRACT MIDLAND CREDIT MANAGEMENT I HAVE NEVER HAD ANY BUSINESS DEALINGS WITH MIDLAND CREDIT MANAGEMENT NOR DESIRE TO. Section 807 ( 15 USC 1692e ) states that no deceptive or misleading practices nothing unfair from a debt collector is to be done. MIDLAND CREDIT MANAGEMENT SENDING LETTERS AND EMAILS IN BIG RED LETTERING HEAD STATING " PRE-LEGAL NOTIFICATION '' IS ILLEGAL AND THREATS TO SEND TO A LAWYER IS VIOLATION OF THE FDCPA .NOW I DEMAND THAT UNDER 15 USC 1692K CIVIL LIABILITY IM NOW TO BE AWAREDED {$1000.00} PER VIOLATION AND MIDLAND CREDIT MANAGEMENT YOU HAVE VIOLATED ME THREE TIMES IN THE LATEST LETTER I RECIEVED ON XX/XX/23. I DEMAND NOW UNDER THE FDCPA YOU SEND ME A CHECK FOR VIOLATIONS FOUND TOTALING {$3000.00} AND CEASE AND DESIST ALL THREATING COMMUNICATIONS WITH ME
Product: Mortgage

In late 2014 we listed our home for shot sale, for our medical and financial situation. Through our agent, we contacted Well Fargo HELOC and spoke with XXXX XXXX XXXX concerning the XXXX mortgage. First, for nearly XXXX months we provided XXXX XXXX with everything he asked for ; such as, XXXX, contract sale, and payoff amount from the XXXX mortgage, and he never gave us an answer until XXXX days before the house goes up for foreclosure. Second his lack of communication made the situation very stressful for us, and he became an iron steel gate that stop any progress from going forward. Third XXXX XXXX received copies of the foreclosure notice, and all the information that he requested from the buyer. Finally, his delayed causes major financial hardship, and XXXX for both us because one of us is XXXX.
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EQUIFAX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Payday loan, title loan, or personal loan

Starting on XX/XX/XXXX I took a payday loan from this company in the amount of {$750.00}. Starting on XX/XX/XXXX they were deducting payments from my bank account through ( PAD/ACH ) on every other Friday, bi-weekly until XX/XX/XXXX where I had paid in full the amount of {$1500.00} including interest. On XX/XX/XXXX I took another loan for the amount of {$780.00} and starting on XX/XX/XXXX they started taking payments through my bank account ( PAD/ACH ). As of this point I have already paid {$3800.00} and still owed {$740.00} on XX/XX/XXXX. I XXXX  added another {$260.00} to make it look like {$1000.00} on XX/XX/XXXX. On XX/XX/XXXX i made a payment of XXXX and every other Friday after that I made payments of {$270.00} until XX/XX/XXXX in the amount of {$2200.00} and still owe the amount of {$900.00}. Starting on XX/XX/XXXX i put a stop payment on them when I started to see that they were taking these payments and not lowering my principle. They called and when I asked why they were not lowering my principle the agent said unless I make a special payment just for the principle they will continue to deduct {$270.00} from my account forever with no ending. Also they are calling my Job harassing me.
Product: Credit card or prepaid card

I received a Citi Double Cash credit card with a {$1700.00} limit in XX/XX/XXXX. 

I kept it at that limit, but never missed a payment nor was never late with a payment. In XX/XX/XXXX, I made a {$500.00} payment and had a plan of action using the XXXX XXXX method to have the credit card paid off by years end with the goal being to pay off my debt and, in turn, bring up my credit score. 

Immediately after this {$500.00} payment, Citi Bank reduced my credit limit to {$1300.00}, compromising any potential gain in my credit score. When I called and asked to have the original credit limit reinstated on XX/XX/XXXX, both XXXX and XXXX of the Credit Line Management Department told me I signed off on this when I took the card, but I can submit a request to have the original credit limit reinstated. Reinstatement was denied. 

If I had been late with a payment or missed a payment or been a bad consumer in any way, I would let this go. However, I have been caring for two parents with XXXX, the second one recently dying. Im just now getting on my feet to pay off all debt from this juncture in life. I do the right thing in life on every front and a bank is the one that shoots me in the leg? 

Bottom line, I respectfully requested Citi Bank to reinstate my original credit limit, allowing my APPROPRIATE consumer action of paying off the debt and never being late with a payment or missing a payment to be correctly reflected on my credit score. 

However, after explaining the situation and requesting a reinstatement to help repair my credit score ( only low due to XXXX caregiving debt, no late payments ), Citi Bank replied with a no. 

I am now left with a reduced credit score instead of an increased credit score, simply because I tried to do the right thing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ironically, the company claims that the complaint is not recognized by the company. Perhaps, the company should type in the web address from the attached credit declination letter from XXXX XXXX, if you type www.consumerdisclosure.com it clearly brings you to LEXISNEXIS RISK SOLUTIONS! 
Attached is a credit declination letter from XXXX XXXX dated XX/XX/2022. The letter advises that a report was utilized by the ISO Consumer Report Center. I am making my request within 60 days of the attached letter. Thus, please mail a complete copy of the report utilized by XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep disappointment and frustration regarding your bureau 's failure to remove fraudulent accounts from my credit report, despite my submission of all required documentation, including the FTC Identity Theft Report filed with the Federal Trade Commission. 

I have diligently provided comprehensive evidence demonstrating that these accounts are fraudulent and do not belong to me. Other credit bureaus have reviewed the same documentation and promptly removed these fraudulent accounts from their records. It is, therefore, incredibly disheartening to see that your bureau has not taken similar action. 

The persistence of these fraudulent accounts on my credit report is causing undue stress and potential financial harm. It is baffling and unacceptable that your bureau continues to report these inaccuracies despite clear evidence and confirmations from the institutions involved. 

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

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 U.S.C. 1681 section 602 states I have the right to privacy. 15 U.S.C. 1681 section 604A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S.C. 1666B, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. Do you need help with your credit? Let me know.
Product: Mortgage

I 've recently discovered that poor loan servicing by Ocwen for my rental property is causing my credit report to reflect incorrect delinquent payments ; which in turn is negatively affecting my risk profile with financial institution for loans, such as a HELOC. 

I 'm not sure why but it looks like - for some months - Ocwen is not applying my mortgage payments when they arrive from my XXXX account. Moreover, they 're marking my account with delinquency notices. 

I 've enclosed an example of a delinquency letter I received from Ocwen and documentation verifying that I am indeed making mortgage payments that Ocwen is choosing to delay in crediting my account. 

In the attached document, you 'll find : - a XX/XX/XXXX payment that was n't credited to my account until XX/XX/XXXX - a XX/XX/XXXX payment that was n't credited to my account until XX/XX/XXXX - a XX/XX/XXXX payment that is n't reflected in my payment history
Product: Checking or savings account

On XX/XX/XXXX I deposited {$900.00} CASH into ATM machine, completed the transaction and drove away ( it was a drive-up ATM ). The following day ( XX/XX/XXXX ) I checked my balance and discovered SANTANDER had REVERSED my CASH transaction? I immediately called the XXXX XXXX XXXX phone number and got just that " there's glitch in the system and someone would look into it Tuesday XX/XX/XXXX ). I spoke to her supervisor ( she could speak and understand english, and got the same story. She had no idea if the ATM spit the cash out on the street or what it did. They have no idea WHY this happened and I could not get an answer. Except call back XX/XX/XXXX. 
Santander is closing branches with employee 's to chop costs and increase profits at our expense, XXXX does the same thing.
Product: Debt collection

Wrongfully charged early termination fee on a illegally leased property. I was not informed by the realty company but by a notice taped to my door, also the city inspector.
Product: Credit reporting or other personal consumer reports

I asked TransUnion to correct the below incorrect information but they haven't .... 
* None of the below accounts have ever been paid late... 
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 None of the above accounts have ever been paid late...
Product: Credit reporting or other personal consumer reports

Kindly see attached a copy of an identity theft report that I filed.
Product: Credit reporting or other personal consumer reports

Kickoff KIKOFF XXXX XXXX XXXXXXXX Account was never open by me. 
Please delete it
Product: Credit card

Dear Barclays Presidents Office Team, On XX/XX/XXXX XXXX filed a fraud claim on XXXX {$100.00} for CCbill that I did not make. On XX/XX/XXXX I received a letter from fraud department stating that I had extensive history with merchant. I then called back and reopened the claim due to the fact that these transactions were not done by me or anybody I know. I also did not have a pattern of spending multiple {$100.00} in one day. I also reached out to merchant about the situation. The agent I spoke to reopened the claim and gave me the claim number XXXX. I also faxed supporting documentation to the fax number provided XXXX the same day. Today I called to get an update on the claim and was told by agent XXXX XXXX who also referred to me as a miss and told me that I had a womans voice ) that my claim was sent to billing disputes. He then gave me a different number to call. When I called billing disputes the lady who also referred to me as miss stated that the claim is still open and that they did not receive any documentation from me. I let her know that it was faxed 3 weeks ago. She told me to call fraud department. I let her know that I would be filing a complaint. 
Two things that need to be addressed : 1 ) Agents in the XXXX do clearly have gender identity issue, all of them were referring to me as a female, instead of just calling me by name 2 ) Fraud case that is actually fraud, ended up in billing disputes, while I already explained that I had nothing to do with those multiple {$100.00} transactions. It should not be part of the billing disputes. 
I see some of the transactions were refunded by the merchant but not all of them that were claimed as fraud. I believe they refunded {$500.00} out {$800.00} claim Please assist me with resolving this matter that has been worked on since XX/XX/XXXX but also address the agents. 

Thank you, XXXX XXXX
Product: Debt collection

I received a collection notice form southwest credit stating I owe XXXX. I contacted both parties and received the run around. XXXX said it was equipment charges but I could n't find return receipt. I later found and called southwest and they stated it was a contract fee. We still have XXXX XXXX installed in home so therefore no contract fee should apply. We never received break down of how fees applied we called XXXX multiple times. They assured it was resolved but later sold the debit to southwest collections and they out on credit. My wife got a job with XXXX and we already had XXXX they advised her to add uverse internet. She explained in didnt work in area plus we already had internet. XXXX wanted to combine for employee saving and we already had a house phone under no contract. When she added the internet they merged the full account onto the XXXX platform. The internet did n't work like before and she called to remove but the installer changed the home phone to uverse also. The catch 22 was we could n't have a uverse home phone without uverse internet and no one stated that where changing or a contract was in place to try internet. I had the phone line for years and was levity. Then we end up with this larger bill over contracts we never knew about. They Fraud ed us because we already had XXXX and we already had home phone. To resolve the ended up disconnecting our entire accounts because the rep merged it into combined billing so when they tried to remove the internet it disconnected everything prompting a contract charge. They finally sorted it out we have XXXX under a new account because they counted reactivate our old account and give back our promo due to disconnection and combining with uverse. We do n't owe XXXX anything. They explained it was uverse equipment fees and I have a reciept from ups tracking # XXXX under XXXX XXXX.