23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

My Equifax credit report reports  Federal Tax l iens. Equifax improperly and incorrectly reports these items. In   XXXX   XXXX   XXXX     the Department of th e Treasury-Internal Revenue Service  issued Forms  XXXX  Withdrawal of Filed Notice of Federal Tax Lien as relating to the  Federal Tax Liens  Equifax is reporting. These Forms  XXXX  have been filed with the  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX ,  XXXX  Florida  XXXX . Equifax has repeatedly refused to correct their error . On three sep arate occasions I filed disputes with Equifax providing documentation to support my dispute. Both  XXXX  and  XXXX  immediately deleted these items from their reports upon receiving a single dispute. Equifax by continuing to knowingly, improperly and incorrectly report these items has harmed and continues to harm me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was told that if paid in full this would be deleted from my report. I did not get this in writing but did get audio. They convince people to pay by promising things that they do not deliver.
Product: Credit reporting or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX  XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX Balance : {$6800.00} XXXX XXXX XXXX XXXXXXXX Balance : {$6800.00} XXXX  XXXX  XXXX Balance : {$760.00} XXXX XXXX XXXX XXXXXXXX Balance : {$760.00} XXXX XXXX XXXXXXXX Balance : {$760.00} XXXX XXXXXXXX Balance : {$4400.00} XXXX XXXX XXXX XXXXXXXX Balance : {$4400.00} XXXX XXXX XXXX XXXX Balance : {$640.00} XXXX XXXX XXXX XXXXXXXX Balance : {$560.00} XXXX XXXX XXXX XXXX XXXX : {$5800.00} XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX
Product: Debt collection

Over the summer I was checking my credit report and noticed a collection company on it and didn't see it on my full report until I opened the tab and scrolled down past inquires. It was not under collections and find that misrepresenting of my credit report. I don't recall ever getting a notice they were trying to collect the debt is my first issue, second issue is they are showing a past due balance and I did not know that a collection company could show up as a creditor vs collection, and I believe it looks as though they are misleading and reporting errors on my credit report dragging down my score with a past due balance of {$5800.00} and XXXX days late from XX/XX/XXXX. I do not have any obilgations with a collection compand never entered into an agreement with them directly. How are they able to put such negative info on my credit report that is full of errors and incomplete data? such as past due balance {$5800.00} and high credit amount of {$5800.00}, showing XXXX plus days late from XX/XX/XXXX?
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my letters off on XXXX XXXX. I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. 

According to the FRCA the term Investigate Consumer Reports.

Means a consumer report or portion thereof in which information on a consumers character general reputation personal characteristics or motive living is obtained personal interviews were neighbors friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such item of information. 

They stated my accounts was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting a 100 % accurate and according to the FRCA 15 USC 1681 everything has to be a 100 % accuracy I have I've the credit report showing the inaccuracies. 

XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I have contacted XXXX once with no response and Transunion on XXXX occasions since XX/XX/XXXX to dispute the accuracy of information shared on my credit report as I have not provided permission to defame my character regarding XXXX XXXX Bankruptcy that currently notes being Discharged by the XXXX XXXX XXXX New York on XX/XX/XXXX. I have since received responses from Transunion by mail dated XX/XX/XXXX and XX/XX/XXXX solely noting how their information is obtained and that they find it to be accurate.
Product: Credit card or prepaid card

I have 2 separate cases with Capitol One. The first being card acct XXXX. I was always on time with my payments. When I made a payment with my XXXX XXXX card it was n't until 2 weeks later that I was informed via email that the payment did n't go through. I had no idea as to why because it was not a matter of insufficient funds. So I called and the rep thought maybe it was some sort of tech issue. She then proceeded to take my payment info to reprocess the payment. It all went through and I was given a confirmation number. Then 2 weeks later I received another email stating the payment had n't went through. I called again and was told that they could n't process XXXX XXXX cards. Fine time for them to all the sudden know this. Nonetheless I had XXXX XXXX send a paper check which is another service they offer. Capitol One claims they never received it. I called again and this time I have a 3 way with Capitol One and XXXX XXXX. The XXXX rep explained that the check should have been there on a certain date, however he was now giving another date to the Capitol One rep who  noted everything. This whole thing started to appear orchestrated, So it placed me behind things got screwed up with the domino effect. Then CO restricted my card and said I would have to pay XXXX to get the restrictions removed. I did that but they reneged. I told them to close the account but they kept it open I was not going to pay anymore interest on a card where I did not have services. I was willing to pay my balance but they kept increasing the amount. So I filed a complaint but nothing came of it. At this point I want the balance cancelled because they will not put it at the amount that it was when I closed it. 
The 2nd case is account XXXX I have always been on time with my payments. Then they jacked up my minimum payment of XXXX to XXXX. So I sent a money order for XXXX to get it paid off and close it. Capitol One claims they never received it. I filed a dispute and they credited my account. However they took the XXXX back off despite having cashed the money order claiming they still had not received it. I contacted the post office and the money order company-XXXX XXXX. They sent me a letter confirming the the money order had been cashed. I have sent Capitol One a copy of this letter. Yet they still have not resolved the issue. I called ( as I 'm fed up with having to call ) and requested that the supervisor email me, i have not received any contact. As far as I can see this has been orchestrated to ruin my credit even more,. What they are doing is illegal even criminal. I want this balance cancelled as well. I 'm done with Capitol One.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act Discover Bank has violated my rights under 15 USC 1681 section 602i have the privacy 15 USC 1681 section 604 ( a ) ( 2 ) states that consumer reporting agencies can not furnish an account without my written instructions under 15 USC 1666 ( b ) a creditor must not treat a payment on a credit card account under an open end consumer credit plan as a late payment for any purpose.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  INQUIRY-XXXX XXXX XXXX XXXX XXXX XXXX  : INQUIRY- XXXX XXXX XXXX XXXX XXXX : INQUIRY- XXXX XXXX XXXX XXXX XXXX XXXX INQUIRY- XXXX XXXX XXXX XXXX XXXX XXXX  : INQUIRY- XXXX XXXX XXXX I did not authorize any of these inquiries ive been a victim of identity theft and its putting a hold on life, ive contacted each merchant to only get no response. So Remove these fraud items from my report immediately.
Product: Credit card or prepaid card

XXXX XXXX XXXX we paid XXXX XXXX and XXXX {$2500.00} with our Capital One credit card ... XXXX for a rental vacation home in XXXX XXXX, rental to be used XXXX XXXX XXXX XXXX XXXX upon arrival, the home was filthy, no clean linen, towels, dirty dishes stacked full in the sink. We called their support people, and they came with apologies next day and cleaned up. 
We complained and XXXX XXXX and XXXX assigned us compensation for {$200.00}, credited to our card on XXXX XXXX. 
XXXX XXXX we had no power nor water, a pump had broken and the owner kept the pump locked in a garage, nobody had keys. It took 2 days, with us driving around hunting for the people who could fix the problem. 
We sent complaints to XXXX XXXX and XXXX, via their online message system, w/o ever receiving a reply. 
We then filed a dispute w Capital One, they based on the reasonable dispute, credited our account {$250.00} on XXXX XXXX XXXX. They requested details, so we sent their filled out complaint form, on XXXX XXXX XXXX On XXXX XXXX XXXX Capital One billed our account for {$2500.00} again w/o any basis for the charge. Upon my complaint they discovered the error and offered to correct it They corrected it XXXX XXXX by crediting us w {$2200.00}, not {$2500.00}. 
I contacted them twice, and they are firm in that {$2200.00} is the correct reimbursement, their last letter ( enclosed ) stating that they meant to bill us for {$250.00}, not {$2500.00}, and that was the reason for the {$2200.00}. 
There was no reason for them to state that the " correct bill '' was for {$250.00}. There was no item we ever purchased for {$250.00}. 
If they are withdrawing the credit for {$250.00} which they made on XXXX XXXX, they can only do this if they have information, which they have not shared with us, from XXXX XXXX and XXXX, proving that our dispute had no merit. If had plenty of merit. 2 days in a rental beach home w/o power or water is fairly good cause for dispute/redress. 
The {$2500.00} bill of XXXX XXXX was an error, and it should be credited to our account in completeness. Very simple math, and very simple principle of honest trade policy. 

Let me state clearly : I do n't care about the {$250.00}, I just want XXXX XXXX  and XXXX to provide compensation for a bad service rendered under one of their contracts. 

Capital One claimed that our dispute ( XXXX XXXX XXXX ) was filed outside of the window for claims ( original bill was XXXX XXXX XXXX ) The service was not rendered until XXXX XXXX XXXX, and we have been complaining since then. On XXXX XXXX XXXX we had no way of knowing that the house facilities would be so broken down Capital One disputes address : XXXX XXXX XXXX XXXX XXXX Utah XXXX XXXX XXXX XXXX, Utah XXXX
Product: Credit reporting or other personal consumer reports

Good Morning, Request for Deletion of Collection I hope this letter finds you well. I am writing to formally request the deletion of Collection, as per the terms of the Forward Follow Agreement that was previously agreed upon between your company XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

as outlined in the agreement, the purpose of the Forward Follow Agreement was to allow the collection of specific data for a predetermined period of time. However, the agreed-upon period has now come to an end, and I kindly request that you initiate the deletion process for the charge-off as specified in the agreement. 

Please ensure that all data related to the collection is completely and irretrievably deleted from your systems and any associated storage devices. This includes any backups or duplicates of the data that may exist. I also request that you provide me with a written confirmation of the completion of the deletion process. 

I understand that data privacy and protection are crucial, and I appreciate your attention to this matter. If you require any additional information or documentation from my end to facilitate the deletion process, please do not hesitate to let me know, and I will promptly provide the necessary details. 

I kindly request that you carry out the deletion process within 3 business days to comply with the terms of the agreement. 

Thank you, For your cooperation in this matter. I look forward to receiving your confirmation of the deletion process.
Product: Credit reporting or other personal consumer reports

I have tried to dispute several inaccuracies off of my credit report and the company refuses to do so also they are not conducting a proper investigation and keep telling me the information is accurate when according to the research Ive did myself Ive seen several inaccuracies on my report that I will provide to you guys below they are committing fraud by putting that inaccurate information onto my credit and also they are not providing proof on how they investigated this situation. I have provided several law codes that they are not abiding by such as 15 U.S.C 1681 e.b and have tried to do this multiple times.
Product: Credit reporting or other personal consumer reports

TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ RE : XXXX XXXX HARD INQUIRY ON CREDIT REPORT Dear Sir or Madam : I am a victim of identity theft. The information listed above which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft I was a victim of the XXXX XXXX XXXX. There is a hard inquiry on my credit report from XXXX XXXX  and at no time did I apply for any credit products from XXXX XXXX XXXX inquiries resulting from the identity theft should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block and remove this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

Enclosed are the following : A copy of my Identity Theft Report and proof of my identity. 
A copy of section XXXX of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within XXXX business days and to promptly notify the furnisher ( XXXX ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 

Sincerely, XXXX XXXX Enclosures : [ List what you are enclosing ] Identity Theft Report Proof of identity : [ a copy of my drivers license/other government-issued identification card/other ] Copy of Credit Report Fair Credit Reporting Act Section XXXX [ PDF ]
Product: Credit reporting, credit repair services, or other personal consumer reports

During XX/XX/XXXX to XXXX 2017, Equifax was the victim of a cyber attack that resulted in over 140 million sets of personal identification stolen, including my own ( as reported after I enteredy information in at " www.equifaxsecurity2017.com ''. After examining the reports publicly available regarding the attack, it is very likely that the atrack was facilitated in large part by the negligence of Equifax to properly secure the aforementioned personal records. Their negligence means that I must now monitor my credit at a far more frequent level than is typically necessary. 

Furthermore, because of the nature of the information stolen, applying a credit freeze at the three bureaus ( Equifax, XXXX, and XXXX ) may be ineffective. This is due to the fact that a new PIN number to un-freeze the credit can be obtained by submitting the very information that was stolen.
Product: Mortgage

Our current mortgage payment was increased from {$1600.00} to {$1900.00} within a 2 month period due to escrow. We have never had this level of increase. We informed the mortgage company that we could not sustain payment at this level and submitted a request for modification. In the meantime, my husband also lost his job and then was in the hospital. We updated the mortgage company, still requesting help/relief. This process began in XXXX 2016 and to date ( XXXX/XXXX/16 ) the mortgage company ( Greentree/Ditech ) continues to go back in forth with us requesting additional information, updated docs, etc. Their inefficient and careless handling of our request is causing unnecessary and undue stress. When the request was originally made, we were current with our payments and struggling to keep current. Now the payments are 3 months delinquent and we are facing foreclosure of our home of 21 years - the mortgage company continues to go back & forth with us. I will attach a specific listing of the progression of events with the mortgage company. Your assistance is greatly appreciated to favorably end this stressful 8 month request-process. Thank you. 
( MY MORTGAGE IS CURRENTLY A HOME EQUITY LOAN AND THUS WE HAVE EXPERIENCED PROBLEMS IN THE PAST WITH TRYING TO GET SOMEONE TO REFINANCE. WE WERE UNAWARE THAT THE MORTGAGE COMPANY AT THE TIME WE REFINANCED A FEW YEARS AGO, CHANGED OUR LOAN FROM A REGULAR MORTGAGE TO TOTALLY AN EQUITY LOAN. )
Product: Debt collection

On XX/XX/XXXX I had an XXXX at XXXX XXXX XXXX XXXX. I was billed {$360.00}. Due to an issue with my insurance company I had to wait on my " in network '' out of pocket vs my " out of network '' out of pocket to get sorted before I could be sure that the billed amount was accurate. Unfortunately it took a long time to sort out and required me escalating the issue with my insurance company. 
Long story short, I did not get a full answer until XX/XX/XXXX ( ish ) of XXXX, I then paid XXXX XXXX right away, and in full for the {$360.00} that was due. 
At the same time I was contacted by Continental Credit Control regarding this payment. I explained it was paid in full and to not contact me again. 
They called me repeatedly and send my a letter this past spring. 
I just received another letter ( dated XX/XX/XXXX ) stating I still owe the money AND interest ( 10 % ), now saying I owe {$380.00}! 

I called Continental Credit Control and left a message with my account #, my phone #, etc for the case manager explaining ( yet again ) this was paid months ago and to stop contacting me! I said I would be filing a complaint with CFPB as well. 
Their # is XXXX ext XXXX ( XXXX XXXX is the case manager ), I am happy to provide the case # if needed as well. 

I'd very much like them to stop, and I am also afraid that this will effect my credit too! 
Please assist. 
Thank you!
Product: Debt collection

In the middle of the collection process without warning or notice, the collection agency put a negative comment on my credit report. In his personal attempt to collect during XXXX, the XXXX  had been unwilling to review the insurance documents. The collection agency sent ONE written notice ; I responded with a phone call and explained that my insurance company said the amount was off. The agent said that they would look into it ( late XXXX, XXXX ) and without warning on XX/XX/XXXX, the collection agency posted a collection on my credit report. I believe that this is an attempt to intimidate me. My >800 score has dropped 127 points on XXXX. Today, XX/XX/XXXX, I discovered the collection on my credit report during a monthly check of my credit report and disputed the collection on XXXX  and XXXX. I want ACCOUNT RESOLUTION CORP, XXXX XXXX  XXXX XXXX, XXXX, MO XXXX to remove the collection immediately. ARC is acting in bad faith and has unnecessarily damaged my credit rating in an attempt to collect amounts that ( according to my insurance company ) are not owed.
Product: Credit reporting or other personal consumer reports

I am formally disputing the reporting of the following account on my TransUnion credit report : Creditor Name : XXXX XXXX Account Number : XXXX This account is inaccurately reported and unverified. Notably, it is not being reported by XXXX or XXXX, further indicating inconsistencies in the data being furnished.
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

XXXX XXXX XXXX is trying to collect a debt that is over 7 years old. This account just popped up on my credit report and should be removed. The account was from 2014 in the amount of {$490.00}. It should be removed.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> we purchased a new vehicle from a dealership in XXXX Missouri. Before we started the credit application process, we asked that the dealership not run our credit through a bunch of lending institutions, and they were advised to limit to a max of 4 locations. They disregarded our request and I now have a total of 12 hard inquires listed on my credit report all but 2 were related to auto financing.
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need the following account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXX XXXX 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, credit repair services, or other personal consumer reports

I have a perfect rating and payment history and this bank decreased my credit limit with no reason nor written explanation and left no recourse to fix it. I called in and was treated like a person who abuses credit and was not even given any explanation. The explanation was not posted online nor was I advised by the support person. 

I deserved an explanation of why a decrease in credit limit was unwarranted. I have perfect on-time payments and the decrease caused my remaining balance to show as a XXXX which caused a hit across all the reporting agencies. 

Every consumer deserves the support they ask for and fair treatment. This kind of wrongful untrue manipulation of data causes damage as it has done in my case, If others have the same type of complaint and there is a class action suit, please add me to it as this bank deserves to be taken to court for that type of abuse!! Please publish this complaint so that others may see what XXXX XXXX does to their unsuspecting loyal customers!!