23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX # XXXX XXXX, CA XXXX Consumers Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX Federal Trade Commission XXXX XXXX XXXX, XXXX Washington XXXX DC XXXX Dear Sir/Madam, I am writing to dispute the accuracy of information contained in my Equifax credit report regarding an open account with XXXX XXXXXXXX XXXX The account in question is marked as late and has caused me distress due to harassment and threats from XXXX XXXX. 

I request clarification on the type of account and accurate reporting of its status, as it is neither in collections nor charged off but has been marked as late since XXXX  The lack of clarity and completeness in reporting this account has the potential to negatively impact my creditworthiness. 

I am requesting a thorough investigation into this matter and urge Equifax to update the information on my credit report to accurately reflect the status and type of account in question. I also request that Equifax provide me with a copy of my updated credit report once the investigation is complete. 

I also believe that XXXX XXXX has violated the Fair Debt Collection Practices Act FDCPA by engaging in harassing behavior, including non-stop calls and threatening messages. Additionally, the reporting of this account as late on my credit report has further exacerbated the situation. 

I request that Equifax conduct a thorough investigation into this matter and take appropriate action to rectify the inaccurate reporting of this account. Specifically, I ask that Equifax ensure compliance with the following laws and regulations : 1. Fair Credit Reporting Act ( FCRA ) Section 611 : Requires credit reporting agencies to investigate disputed information and correct inaccuracies.

Section 623 : Requires furnishers of information, such as XXXX XXXX, to provide accurate and complete information to credit reporting agencies. 

2. Fair Debt Collection Practices Act ( FDCPA ) Prohibits debt collectors from engaging in harassing or abusive behavior, including threats of adverse credit reporting. 

I request that Equifax conduct a thorough investigation into the reporting of this account and ensure compliance with the Fair Credit Reporting Act ( FCRA ). Additionally, I request XXXX XXXX to cease all communication with me via phone calls, text messages, and emails or postal, as their behavior violates my rights under the FDCPA and TCPA.

Please provide me with written confirmation once the investigation is complete and any necessary corrections have been made to my credit report. I appreciate your prompt attention to this matter. 

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

I have submitted multiple FTC reports and request for information used for investigation. I have never received aby information. I was a part of the Equifax Data Breach. I recently filed my third FTC report and would like the items removed from my credit report as they are stopping me from being able to rent a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

It showing late payments for XXXX 2019-XXXX  2019 and its holding me credit down. I asked for a forbearance at that time.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance Owed : {$49000.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX   I did not authorize please delete.
XXXX XXXX XXXX  I did not authorize please delete.
XXXX XXXX XXXX XXXX  I did not authorize please delete.
XXXX XXXX XXXX XXXX  I did not authorize please delete XXXX XXXX XXXX  I did not authorize please delete. XXXX XXXX XXXX XXXX  I did not authorize please delete XXXX XXXX XXXX XXXX XXXX I did not authorize please deleteXXXX XXXX XXXX XXXX XXXX  I did not authorize please delete. XXXX XXXX XXXX XXXX XXXX I did not authorize please delete.
Product: Mortgage

I refinanced my mortgage with cashcall mortgage and was told there would be no costs at all to me. The loan officer insisted that they needed to add the amount of my next tax payment into the loan amount and that they would pay this payment even though I would be paying all future tax payments directly. This is all well documented in the closing settlement statement, but when I called to check the status of them paying this tax payment, I was told that they were not paying this as it was not an escrow account. I finally spoke to a supervisor ( in XX/XX/2017 ) and he acknowledged that something was not handled correctly and that I would be informed of their resolution by XX/XX/XXXX. As of today ( XX/XX/XXXX ) there still is no resolution, just stalling by this same supervisor who says that there is no person above him that can help me and there is nothing he can do. This is obviously mortgage fraud and they owe me {$1600.00}. The supervisor is XXXX ID # XXXX
Product: Credit card or prepaid card

I signed up for 12  month XXXX movie plan in XX/XX/XXXX for {$100.00}. I was never able to use the service provided due to their 'supposed ' technology glitches and demands for extra fees. I tried to cancel immediately with Comenity bank in XXXX Ohio. I did not realize the difference between a dispute and fraud and the first complaint was filed incorrectly and rejected. By the time I refiled the complaint XXXX had gone into bankruptcy leaving a trail of lawsuits. Comenity charged me back the {$100.00} on my XX/XX/XXXX billing statement. 

XXXX XXXX XXXX Comenity denied my claim by sending me a copy of XXXX XXXX users agreement in XX/XX/XXXX with no indication of which clause or paragraph related to my dispute. I am not a lawyer, but it seems to me XXXX didn't provide any service to me, I am at a loss to understand that complete and utter failure to provide service is legally enforceable. 
Comenity provides no direct access to its fraud teams to challenge findings. I have mailed in additional support at their request and still no chance in conclusion. 
Comenity said it never received additional information on the claim and on XX/XX/XXXX I sent them the attached letter. I'm really not certain what additional information I was supposed to provide and it was never spelled out in Comenity 's correspondence with me. 
I have never had this problem with XXXX or XXXX XXXX when there's been a dispute
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed a copy of my credit report and I show company LINCOLN TECH account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/22 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX FS XXXX Balance : {$9800.00} XXXX XXXX XXXX Balance : {$280.00} XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00}
Product: Debt collection

I paid a bill to XXXX XXXX XXXX on XX/XX/XXXX in the amount of {$42.00}. The original bill was for {$5.00}. On XX/XX/XXXX I received a bill in the amount of {$80.00}. It was explained to XXXX ( CSR ) and XXXX XXXX ( Supervisor ) that this bill was paid in full in XX/XX/XXXX. 

Provided both of them the confirmation number for the payment made in full on the date provided above and still no resolution of this issue. 

My issue here is that this was paid in full and yet still managed to make it to collections which negatively affect my credit report. I'm being advised that there were more than 1 toll bill, yet I have an XXXX XXXX ( to pay for tolls ) and I have never been provided a bill to pay. Suddenly, I receive a bill for {$80.00} for something I never knew about. I suspect they are holding onto the bills and allowing them to incur late charges. I have requested proof of these bills be sent to me, to no avail.
Product: Credit reporting or other personal consumer reports

Was trying to receive a clearance for my job and my investigator had informed me of the credit cards accounts that were opened under my name, and they are cards I have never heard of or seen before. I contacted the credit card company and they confirmed with me that my current and past addresses do not match, and my phone number does not match as well. I do not know anything more, but I did not authorize and was not aware about these accounts and I want them removed from my record since it was not me. The accounts are closed, and I believe one of them had went to collections from what I was told. Cards were opened with Captial One.
Product: Debt collection

I've disputed the following Collection Companies listed on my credit reports with XXXX XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX about the reported information being currently reported as inaccurate information. 


****Unauthorized Collection Accounts**** XX/XX/2024 Sunrise Credit Services XXXX {$190.00}, XX/XX/2024 XXXX XXXX  - {$1900.00}, XX/XX/2024 XXXX  XXXX XXXX XXXX {$1800.00}
Product: Payday loan, title loan, or personal loan

I have a loan with SeedFi, which I signed a contract with back in XX/XX/2021. However, SeedFi has recently sold the debt over to its partner XXXX. This has given me nothing but problems ever since because I signed a contract with SeedFi to make payments and not XXXX. I have had difficulties making payments through the XXXX website. I don't even trust XXXX as it does not sound legitimate, and I do not feel comfortable submitting payments to them. In addition, XXXX XXXX/SeedFi has reported me delinquent to the credit bureaus.
Product: Checking or savings account

account # XXXX US Bank They closed my account but i never received the money what i have on my account
Product: Mortgage

In XX/XX/XXXX I made my mortgage and escrow payment to Ocwen Loan Servicing , LLC in the full amount of the previous ( XXXX ) months, which was received on time. 
The mortgage has a variable interest rate, which happened to change that month, increasing the total payment amount to {$1700.00}. Therefore, my payment was short by {$56.00}. Once I became aware of this oversight, I IMMEDIATELY made payment for the balance, which the bank says was received on XX/XX/2017 ( two days beyond the 30 day late period limit ). 
The bank has reported this to the credit agencies as a MISSED PAYMENT, ( 30 ) days late. 
The payment was NOT MISSED or late, the bank held it in their suspense account rather than any number of other options over a {$56.00} shortage that was immediately resolved. 
This is not factually the same as a missed payment.
Product: Money transfer, virtual currency, or money service

I have had many problems with zelle with no help from the company with reports I want to be reimbursed
Product: Credit reporting or other personal consumer reports

My Equifax credit report is not showing up on my credit report, and because of that result Im unable to get funding or approved for things I should be able to get approved for.
Product: Credit reporting or other personal consumer reports

in XX/XX/year>, I enrolled my company, XXXX XXXX XXXX XXXX, up for credit reporting services with XXXX XXXX XXXX XXXX XXXX XXXX  However, the company isn't reporting anything to the credit bureaus as it advertises. I enrolled in the basic package and when I pulled up my XXXX credit reports, I don't see XXXX listed at all. Also, on XX/XX/year>, I sent an email to XXXX XXXX customer service support about the technical issues I am experiencing as I tried numerous times to add the property management information and still no response.
Product: Credit card or prepaid card

I placed a previous complaint with about Citibank ; in that complaint CitiBank addressed my XXXX XXXX XXXX account that has nothing to do with the Macys Department Store account I asked about and was never addressed. Effective with my XXXX billing CitiBank went up to 31.74 % interest. Thy have retroactively added {$650.00} to my account on a purchased made in XXXX. I have not made a Macys purchase since XX/XX/XXXX, when the interest rate was 30.24 %. 

There is no justification for XXXX interest rate to continue climbing when I pay my bill every month on the XXXX and the amount is debited from my checking account the minimum amount plus {$200.00} per month. I have not missed a payment neither have i ever been late on a payment since receiving this card in XXXX. 

There is never been ever a letter telling me my interest is increased not giving me an opt-out option. As you can see from the billing statements uploaded I have never missed a payment on my Department Store Account> Citibank must be investigated for retroactively adding previously purchased items to get a large interest rate that isnt unjust and against consumer regulations. 

As a result of this complaint, I ask that CitiBank com into compliance with consumer regulations and roll back the 31.74 % interest as I have not made any purchases from Macys Department store account. I will pay them off but how can I when they keep increasing my interest rate unjustly and charging me for purchases made in XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent Equifax a letter disputing the validity of the bankruptcy they are reporting on my credit report. They responded on XX/XX/2022 with a letter stating they verified the item through XXXX XXXX. I wrote to XXXX XXXX on XXXX XXXX to dispute this item in question and XXXX XXXX could not verify this item so they deleted it and removed it from their database. 

I wrote Equifax another letter on XXXX XXXX and provided them with the deleted Bankruptcy from the XXXX XXXX informing them that if they could not reveal how they truly verified this item then it needed to be deleted according to the FCRA. On XXXX XXXX they replied back and have once again refused to delete this item which is effecting my ability to get favorable interest rates on auto loans and credit cards causing me to pay thousands more in interest every year. 

This item needs to be deleted and removed from my credit report if it can not be verified within thirty days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my consumer reports and noticed that I had two late payments on an account that I was never late for. Consumer reporting agencies have assumed a vital role and have a responsibility to report XXXX information to the best of their ability with maximum accuracy. I have never been late on payments for the account. 

Account XXXX XXXX Account # XXXX Please investigate and provide proof with statements showing these payments were late. If proof can not be provided, I demand these payments be updated to on time as they should have never been late. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to the 3 Credit Bureaus requesting to reinvestigate the disputed Account from my credit report as well as update the Account from my report during the investigation period. As of this date, they have failed to respond to my request. 

XXXX XXXX XXXX XXXX : {$28000.00} ;
Product: Credit card or prepaid card

on XX/XX/XXXX I received an email from Target saying that they welcomed me to the store and for joining them. I never signed up for Target services. Then I received another email saying congratulations you have been approved for a credit card _ XXXX XXXX with Target thru TD Bank. I never applied for a Target credit card. 
I contacted Target immediately once I found out on XX/XX/XXXX and reported the identity theft to them. I also contacted TD Bank to file the identity theft and requested the cancellation of the card and to issue a credit fraud alert to all credit bureaus. As of today, I have not received communication from Target or TD Bank. I already placed a freeze on all credit reports. I am also in the process of providing required information to the police to support this investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer XXXX now XXXX XXXX XXXX cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Product: Debt collection

The XXXX XXXX ( Now, XXXX XXXX ) originated in XXXX, XXXX, XXXX, XXXX. They were at very high interest rates which I could not afford as a student. These are all over 7 years old. Navient keeps putting them on my credit report despite that the debt is as much as 12 years old now.
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 XXXX  : Account Number : XXXX Account Name XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX 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 : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> XXXX XX/XX/year> 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 reporting, credit repair services, or other personal consumer reports

I got denied a checking account because of my chex systems credit score... etc. 

XXXX XXXX XXXX denied my application for a checking account Because of my chex systems credit score.
Product: Credit reporting or other personal consumer reports

Im in a dispute with XXXX XXXX credit card. They violated rules by not crediting my account and delaying my payments XXXX business days unlawfully. Then they ruined my credit by putting in negative remarks and dropping my XXXX XXXX by XXXX points! The system for credit reporting is broken and the companies you have empowered are just looking to XXXX money out of consumers ( XXXX, XXXX, etc. ). THIS NEEDS TO CHANGE.
Product: Credit reporting or other personal consumer reports

This collection belongs to an ex-wife of mine from a previous marriage from several years ago this is not my account please remove this account from my credit profile this is not mine account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. I'm looking forward to the correction of the following items. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX 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 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
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX  Account Number : XXXX Inquiry 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 XXXXXXXX