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

My information was sold and brought illegally because I was a victim of the Equifax data breach. I want these items Deleted from my credit report effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ACCOUNT NUMBER : XXXX ACCOUNT BALANCE : {$3100.00} DATE OPENED : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ACCOUNT NUMBER : XXXX ACCOUNT BALANCE : {$3700.00} DATE OPENED : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ACCOUNT NUMBER : XXXX ACCOUNT BALANCE : UNKNOWN DATE OPENED : XX/XX/XXXX I was a victim of the Equifax data breach. I want these items Deleted from my credit reports.
Product: Credit reporting 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. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX, XXXX XXXX Balance Owed : {$830.00} ; XXXX XXXX Balance Owed : {$13000.00} ; DPT ED/XXXX XXXX Balance Owed : {$350.00} ; DPT ED/XXXX XXXX Balance Owed : {$3700.00} ; DPT ED/XXXX  XXXX Balance Owed : {$2500.00} ; DPT ED/XXXX XXXX Balance Owed : {$3700.00} ; DPT ED/XXXX  XXXX Balance Owed : {$1400.00} ; DPT ED/XXXX  XXXX Balance Owed : {$2000.00} ; DPT EDXXXX XXXX Balance Owed : {$2700.00} ; DPT EDXXXX XXXX Balance Owed : {$1200.00} ; DPT EDXXXX XXXX Balance Owed : {$3000.00} ; DPT ED/XXXX XXXX Balance Owed : {$1800.00} ; DPT ED/XXXX XXXX Balance Owed : {$73.00} ; DPT ED/XXXX XXXX Balance Owed : {$2900.00} ; DPT ED/XXXX XXXX Balance Owed : {$1500.00} ; DPT ED/XXXX XXXX Balance Owed : {$440.00} ; DPT ED/XXXX XXXX Balance Owed : {$2200.00} ; DPT ED/XXXX XXXX Balance Owed : {$1200.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I mailed dispute letters to XXXX, Transunion, and XXXX requesting that they investigate the collections on my reports. I patiently waited for a response, and constantly checked my credit reports for updates. So on XX/XX/XXXX, I decided to write them again and request that they hurry and respond because it has been 30 days since I've sent them disputes. They still have not responded and it's XXXX now.
Product: Debt collection

A collection account was established on XXXX XXXX, 2011, for breaking a lease due to a military XXXX with proper XXXX indicating XXXX dates. The balance on the account has always been {$0.00}. XXXX XXXX XXXX told me that there is nothing they can do about it being a collection account on my credit history. This is also listed as derogatory on my credit history and I would like it removed.
Product: Mortgage

On XX/XX/XXXX we wrote to Loan Care and notified them of 4 payment errors in addition to escrow errors. We received a response from Loan Care dated XX/XX/XXXX. Loan Care corrected the escrow errors. They failed to correct the payment errors, specifically, starting with the 2nd payment error listed in our letter to them. The {$9700.00} payment they applied on XX/XX/XXXX should be applied as a principal curtailment with no amount applied to interest. They applied {$240.00} of this {$9700.00} payment to interest. 

In their response to us, Loan Care provided the Office of the Customer number of ( XXXX XXXX XXXX extension XXXX. We have called this number multiple times during their stated business hours, and we receive a message that the office is closed. The extension they provided of XXXX states that it is not a valid extension.
Product: Debt collection

I've contact affirm about a debt that not mind i ask for documentation that was never provided and they keep trying to get information to from me to update to there file cause they don't have none but reporting it on my credit report.
Product: Debt collection

XX/XX/XXXX  {$730.00} Not the correct amount or account information!
Product: Credit reporting, credit repair services, or other personal consumer reports

accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX  Account XXXX 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 a account without my written instructions
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls undeXXXX XXXX according to XXXX XXXX XXXXe 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXX  of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. 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 HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

XXXXXXXX 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 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  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have public information passed on that should be taken out or deleted. Per FCRA you are expected to delete this XXXX XXXX Bankruptcies .I 've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called about an account that has not been updated to my file. My wife has put me on her credit card as an authorized user 2 months ago and Experian is the only agency that has not updated my file with her credit card. I called into Experian and the representative advised me to call XXXX XXXX XXXX in which I did so I called XXXX XXXX XXXX and they have reported it to all 3 credit reporting agencies but Experian still has not updated my file and it has been 2 months.
Product: Credit reporting or other personal consumer reports

I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer. I was never giving proper disclosures or the ability to optout of my info being shared. I have not benefited from any of these transaction. I believe I am a victim of Identity theft. Please block, delete and remove them immediately from my consumer report. 
Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer. 
15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an 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. 

Also, they aren't even in compliance with Metro 2 credit reporting. 

XXXX XXXX XXXX Late Payment {$0.00} XXXX XXXX XXXX XXXX XXXX Late Payment {$0.00} XXXX XXXX XXXX XXXX XXXX Late Payment {$0.00} XXXX XXXX Late Payment {$0.00} XXXX  XXXX Late Payment {$0.00} XXXX XXXX Late Payment {$6000.00} XXXX XXXXXXXX Late Payment {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Collection {$890.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Collection {$500.00} XXXX  XXXX XXXX {$500.00} XXXX  XXXX Collection {$300.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Collection {$300.00} XXXX XXXX XXXX Charge-off {$240.00} XXXX XXXX XXXX Included in Bankruptcy {$0.00} Federal XXXX Bankruptcy {$0.00} XXXX | XX/XX/XXXXXXXX XXXX Inquiry {$0.00} XXXX | XX/XX/XXXXXXXX XXXX Inquiry {$0.00} XXXX XXXX XXXX XXXX XXXX | XX/XX/XXXXXXXX XXXX Inquiry {$0.00} XXXX XXXX XX/XX/XXXX XXXX Inquiry {$0.00} XXXX  | XX/XX/XXXXXXXX XXXX  Inquiry {$0.00} XXXX XXXX  | XX/XX/XXXXXXXX XXXX Inquiry {$0.00} XXXX XXXX XXXX XXXX | XX/XX/XXXXXXXX XXXX Inquiry {$0.00}
Product: Debt collection

Winn Law group continues to pursue me on a debt that was charged off in XX/XX/2011.I have asked them to stop calling me & harassing me so now they have threatened to file a judgement against me and continue with collection efforts. I have let them know that California state law prohibits them from collection activity after 4 years.
Product: Debt collection

Sent the XXXX back to XXXX they never sent my return label now they acting like i aint send it
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 168b permissible purposes of consumer reports. 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. 

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 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 XXXXXXXX has violated my rights. On a list of inquiries : 15 U.S.C. 1681 Section 602 A. States I have the right to privacy ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It states, a consumer reporting agency can not furnish account without my written instruction.

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.

15 U.S.C. 1682c ( a ) ( 5 ) Section States : No, consumer reporting agency may make any customer report containing any of the following items or information any other adverse items of information, other than records of conviction of crimes, which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person, so I'm not afraid of any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that information is an accurate
Product: Credit card

As you can see from attached picture Capital One is reporting I have disputed this account. I do not know what this acct is and aparently neither do they. I spent XXXX hours, XXXX transfers and XXXX hangups speaking with reps in various departments. XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX, and XXXX others whos names I could not understand. I was transferred to XXXX Bank once who had no record of this acct either, after I was told it was theirs. Lastly i was told the information is old and they can not help me and was hung up on. That was XXXX. All i want is some help with this as it is hurting my chances at mortgages.
Product: Credit reporting or other personal consumer reports

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY, THE CREDIT REPORTING AGENCIES TRANSUNION, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX HAVE VIOLATED 18 USC. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISHED INFORMATION WITHOUT MY CONSENT, ON MY CONSUMER REPORTS. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681b, which outlines the permissible purpose of consumer reports and YOU DID NOT REQUEST Form XXXX for me to sign when application for credit was filed so therefore thered be no proof of me applying for anything on TransUnion AccountXXXX 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: Checking or savings account

Ally Bank Case : XXXX I have been a legitimate Ally banking customer for many years and have several online savings accounts. On XX/XX/24 at around XXXX I received an email that my account was restricted due to suspicious activity. I called Ally and successfully verified my account. They asked me a series of questions which included asking if I've added a new XXXX recipient, I told them I did not. They also asked me for my cell phone and internet provided which I gave them. They asked me if I have transferred any money lately and I told them my son who is a college student deposited his financial aid money to pay for his tuition for a study abroad program into one of my accounts. They told me that was against the bank rules. I was not aware or I would not have allowed that to happen. They told me that I could not access any of my accounts and that my accounts are restricted pending an investigation. I have called and spoken to Customer Service and the Fraud Department and they will not provide me with any information regarding when a decision will be made for the ongoing investigation. I am a XXXX XXXX XXXX and have over 15 years of e-commerce fraud prevent experience. If I would have know this was against the bank rules, I would not have done it nor have I ever violated any other Ally bank rules and I have a great account history with Ally. I want to know when I will have access to my funds and I want my accounts to be unrestricted, instead being told that they can not provide me with the turn around time for when the investigation will be concluded. No well meaning customer will know all of the rules in the banking agreement. There is no one I can speak to in the Investigations Department and there was no supervisor to speak to from the Fraud Department. No one can help me resolve this situation so that I can access the money in my Ally accounts.
Product: Student loan

I attended a little over a year had to take maternity leave and before returning to school they shut down. It was extremely inconvenient to have to stop everything and expect me to pay half of my tuition back after not being able to pursue my career I was studying. It has ruined my credit for nothing. I am a single mother of XXXX so money is not my greatest asset. Going back to school was supposed to help me provide a better life for my children.
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
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 XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I have a XXXX XXXX XXXXXXXX account. And they offer a service through them called Zelle. Most times of using it I have had no issues. But Ive also had situations using Zelle where money went to the wrong person. Or money sent to me was not received. XXXX XXXX XXXXXXXX has no policies on how to return that money if that occurs. Which makes it harder to not feel like youve been scammed.
Product: Credit reporting or other personal consumer reports

I am unable to access my full credit report or scores, only the XXXX report is available. Despite providing accurate personal information I don't have all the information that I should to have full access to my credit report and scores. According to the Fair Credit Reporting Act ( FCRA ) is a federal law that guarantees that the consumer has the right to said access to their credit reports and scores. Furthermore the Annual Credit Report website has not provided said information, due to a payment being required whereas its advertised as being free once a year. I am requesting assistance in resolving this issue and being able to access to my full credit report and scores.
Product: Credit reporting or other personal consumer reports

I am distressed to inform you that you have included inaccurate information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure maximum possible accuracy in the credit reports you publish. Credit reporting laws require that bureaus report only 100 % accurate credit information. YOU ARE VIOLATING FCRA REGULATIONS AND UNITED STATES FEDERAL LAW Please block and remove all erroneous information from my credit report and send me an updated copy.

Under the Fair Credit Reporting Act ( FCRA ), this disputed item may not appear on my credit report if it can not be supported by any evidence.

15 U.S. Code 1681n - Civil Liability for Willful Noncompliance, 15 U.S. Code 1681o - Civil Liability for Negligent Noncompliance, and 15 U.S. Code 1692k - Civil Liability : I am entitled to monetary compensation due to your multiple violations. Specifically, under FCRA 15 U.S.C. 1681i ( 6 ) ( Notice of Results of Reinvestigation ), a consumer reporting agency must provide written notice to a consumer of the results of a reinvestigation within 5 business days of completion. Failure to do so constitutes a violation of my rights.

Additionally, as per FCRA, a " consumer report '' excludes any report solely detailing transactions or interactions between the consumer and the reporting entity. Including late payments or derogatory statuses constitutes an infringement of 15 U.S.C. 1681a ( d ) ( 1 ).

Accounts listed below in green color highlighted and tag as in violation under 15 U.S. Code 1666 ( b ) billing error are inaccurate late payment history, must be updated to paid on time as never been late as agreed.

( 4 ) The creditors failure to properly reflect a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error in the creditors accounting on a statement.

This is a clear violation of the United States Code Law ( TILA, 15 U.S. Code 1666 ( b ) ). These accounts must be updated to reflect " paid on time. '' Any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) And Accounts listed below in yellow color highlight text accounts in status of Charge off that is tag FDCPA Section 807 Violation Misleading False Reporting together with incorrect personal information Must be deleted Immediately!. 

Collection Accounts listed below in yelow color

highlighted that is tag as in violation Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately! Items listed below that is tag as Unauthorize inquiries that's Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. Must be deleted in my credit report.

Please update my credit report as per law abiding accuracy of data.
Product: Vehicle loan or lease

I had a car loan with myself and my son as the first borrower on the loan, his car was totaled out by the insurance company after a deer caused damage that was considered a total loss. After insurance paid off the vehicle, it was discovered that the gap policy on the car loan was never utilized and the amount of the policy was paid in full at the inception of the loan. 
After speaking with XXXX the administrator of the gap policy, they acknowledged the refund was due b/c the policy was never used, they car dealership was to close out the gap policy so the refund would issue, the dealership pointed the finger to the bank which held the car loan Wells Fargo , and each party involved is pointing the finger at someone else. Meanwhile, the refund amount is sitting in limbo not being distributed back to me and my son, since the amount was funded in full at the beginning of the loan. 
I have had double talk from XXXX who held the gap policy, from XXXX XXXX of XXXX, who sold the vehicle and from Wells Fargo who held the loan which was paid off.
Product: Debt collection

My collections portion of credit scores for Equifax and XXXX state I owe XXXX XXXX from 2010. XXXX report says {$150.00} the next report states the amount due is {$170.00}. I just spoke to XXXX in XXXX and she could not find any account like that in my name. I have not received any collections attempts. I would really like to settle the account but she did not find one. This matter is being forwarded to another department and I must await their contact.