23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

Equifax refused to remove collection item from my credit report after providing them with all the necessary documents that show I am not liable for the collection item. 

BACKGROUND : XXXX XXXX, XXXX posted a collection item on my credit report. I called to inquire about the item and a representative named XXXX and XXXX were extremely rude and disrespectful and insulted me several times. I told her the information she had was wrong and that I would email her an up to date contract that shows I do not owe anything. She refused to accept the notarized contract and called me unintelligent enough to understand. She also refused to allow me to speak with her supervisor before hanging up on me. I have no responsibility to this debt as the real lease agreement was broken by the property owner. I have pictures that show there was no property damage and the real lease agreement is public record filed with the XXXX County Recorder of Deeds under the property address XXXX XXXX XXXX XXXX XXXX IL. XXXX XXXX refused to acknowledge the real lease agreement and insulted me numerous time. They never sent a notice about this debt before posting it to my credit report. There communication tactics are horrible. They make false statements and never accept real documents. XXXX and XXXX should be fired and XXXX XXXX should be closed down. The real lease is attached, notarized, and documented with the XXXX county recorder of deed, signed by myself and the property owner.
Product: Credit card or prepaid card

In XX/XX/2019, I had reported to Comenity bank that I had not used my credit card ( ending in XXXX XXXX in over two months, and I was seeing a fraudulent transaction of {$18.00} on my account. I had asked the representative to take off the charge and close my account. I was told that I will be sent some paperwork which I have not received till date. Comenity bank keeps charging me interest and fees on this {$18.00} amount and I have informed them that I will not be paying for any fraudulent charges.
Product: Debt collection

Equifax Equifax Information Services LLC XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX To whom it may concern, I wanted to reach out regarding the following violations posted to my credit report 15 USC 1681 a ( 2 ) ( B ) Exclusion from a consumer report 15 USC 1681a ( 3 ) ( a ) ( b ) ( c ) Restriction on sharing of medical information 15 U.S. Code 1681b - Permissible purposes of consumer reports I am doing my due diligence to restore my credit after one of the most toughest times in world history. As a consumer these are a violation of my rights. I am demanding that the following account be removed immediately. Account Info Account number XXXX Collection opened XX/XX/2021 XXXX  XXXX XXXX XXXX XXXX Amount {$430.00} XXXX  XXXX XXXX XXXX XXXX Amount {$420.00}
Product: Credit reporting or other personal consumer reports

The issue is at this point I can not get a copy of my report, even though it was requested. The report was completed today XX/XX/2023 ( which I don't understand how because I just completed the drug screening yesterday and that is supposed to be in the report as well. ) When I log into the XXXX XXXX, the background report is there. When I click on it says " retrieval error, '' and does not open- so I have no access to the report. 

Now prior to this, XXXX did not send me the information for the background check or the drug screen after I was pushed through by the company to move forward. 
I reached out to the company and was told I did not respond to their email and they have confirmation they sent the email. I advised the XXXX that is incorrect. I had to call Sterling several times ( about XXXX or so ), Sterling even told me that the person at XXXX probably did not know the correct info or didn't know where to look or something to that effect- not exact words, so I told the XXXX and she says she does have access and they told them I did not respond. When I called back, the XXXX rep said they had not received anything from the company I applied with for me to have a background check or drug screen which is because they probably made an error in registering me. So the company XXXX told me to call the hotline for help with their company and I left a message, but I called XXXX back. I received a voicemail ( which was transcribed in my phone ) from XXXX admitting they did not send it because she could not find it in the system that they sent it. They need to tell the company I applied with they made this horrible mistake because I could have lost out on this position due to their errors and it makes me look distrustful. 

Currently, where I am, I can not get a copy of my background report and no one there is telling me why it gives me a retrieval error. I called and talked to about XXXX people and then I asked XXXX for a supervisor and he transferred me to someone I spoke to earlier, XXXX, and he was not a supervisor. I don't appreciate this. I am currently waiting for XXXX whom I was told is a supervisor. XXXX transferred me to XXXX, who told me I should get the report today even though I told him the email said XXXX hours. XXXX said the drug screen was on it as well. 
At this point I am waiting to see the background so that I can make sure there were no other mistakes made.
Product: Credit reporting or other personal consumer reports

I did my research with the fair credit reporting act and XXXX, Equifax, and XXXX has violated my rights. The following laws : 15 U.S.C 1681 section 602 A State I have a right privacy. 15 U.S C 1681 Section 604 A section 2 : a consumer reporting agency can not furnish an account without my written permission.
Product: Debt collection

Starting on XX/XX/XXXX - after reviewing a copy of my credit report I have been attempting to find out what some negative items on my credit report are. I sent a letter to the credit bureaus in XX/XX/XXXX asking for their assistance in verifying those items. Some items were addressed, some were not. No information was sent to me by this creditor. I sent another letter in XX/XX/XXXX asking for further verification as some items we still not answered - no response. I then sent the attached letter in XX/XX/XXXX directly to this creditor asking what this item is - and their response to my request to VERIFY was that they have already sent me something to verify this and that they would not send me anything further. I have NO IDEA what this is based on the dollar amount or the name XXXX XXXX XXXX. I do n't recall receiving a statement or a bill from XXXX XXXX XXXX. Despite what this creditor is saying in their letter - I do n't know what this is and do not beleive that i have received anything in the mail from them AT ALL validating what this debt it. I have attempted to request this information THREE times now, and I have had enough. Wthin 30 days of reveiwing my report I have spent the last almost SIX MONTHS attempting to get verfication. This letter is the FIRST communication to my knowledge. this item has to validated. this is incredibly suspicoius. This is a waste of my time, energy and money.
Product: Credit card

This complaint is about a charge for {$50.00} with a transaction date XX/XX/year> and Reference number : XXXX from XXXX XXXX on my Bank Of America credit card account ending is XXXX. 
The U.S Department of Transportation allows consumers to cancel their airline flight reservations and receive a full refund without a penalty for XXXX hours. I did cancel my flight reservation with XXXX XXXX within XXXX hours of purchase and I got a refund confirmation from XXXX XXXX which I am attaching to this complaint. 
The problem is that my Bank Of America credit card account was not credited for this refund I am entitled to. I disputed this charge with Bank of America who sent me a resolution letter with " an update on your claim '' which I am attaching. Bank of America claimed " The merchandise or service ( s ) wasnt canceled, returned or eligible for a refund according to the merchant 's policy. '' which is a big mistake on their part because flight reservations canceled within XXXX hours are eligible for a refund according to the U.S Department of Transportation. It is also the policy of XXXX XXXX to issue refunds for flight reservations cancelled within XXXX hours.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX XXXX {$1300.00} I have filed and ftc report and spoke with the creditor and they refuse to remove it. XXXX XXXX XXXX {$1500.00} I filed an ftc report and spoke with the creditor and they refuse to remove it. XXXX XXXX XXXX {$3000.00} I filed an ftc report and spoke with the creditor and they refuse to remove it. XXXX XXXX XXXX {$3300.00} I filed an ftc report and spoke with the creditor and they refuse to remove it. XXXX XXXX XXXX {$1000.00} I filed an ftc report and spoke with the creditor and they refuse to remove it. XXXX XXXX XXXX XXXX {$1100.00} I filed an ftc report and spoke with the creditors and they refuse to remove it. XXXX XXXX XXXX {$950.00} I filed an ftc report and spoke with the creditors and they refuse to remove it. XXXX XXXX XXXX {$2900.00} I filed an ftc report and spoke with the creditors and they refused to remove it. XXXX Bank XXXX XXXX {$1600.00} I filed and ftc report an spoke with the creditor and they refuse to remove it. XXXX XXXX XXXX {$2300.00} I filed an ftc report and spoke with the creditor and they refuse to remove it. XXXX XXXX XXXX  XXXX XXXX {$1100.00} I filed an ftc report and spoke with the creditor and they refuse to remove it. XXXX XXXX XXXX $ I filed an ftc report an spoke with the creditor and they refuse to remove it. XXXX XXXX XXXX XXXXXXXX XXXX {$300.00} I filed an ftc report and spoke with the creditor and they refuse to remove it. XXXX XXXX XXXX {$750.00} I filed an ftc report and spoke with the creditor and they refuse to remove it. XXXX XXXX XXXX XXXX {$20000.00} I filed an ftc report an spoke with the creditor and they refuse to remove it. XXXX XXXX XXXX {$0.00} I filed an ftc report and spoke with the creditor and they refuse to remove it. U.S. Bankruptcy Court XXXX XXXX {$0.00} I filed an ftc report and spoke with the creditor and they refuse to remove it. XXXX XXXX XXXX {$160.00} I filed an ftc report and spoke with the creditor and they refuse to remove it. XXXX  XXXX XXXX XXXX {$440.00} I filed and ftc report and spoke with the creditor and they refuse to remove it. XXXX XXXX XXXX {$160.00} I filed an ftc report and spoke with the creditor and they refuse to remove it.
Product: Payday loan, title loan, personal loan, or advance loan

Affirm is a installment loan company, been using them for YEARS. Recently had two transactions that I AM PAYING FOR, that I did not process, one is over XXXX the other is also over XXXX. So basically XXXX approximately. Loan ID 's are XXXX and XXXX. It is total XXXX. They can't give me the name on one loan, one is for XXXX they have NO RECORD of me purchasing any item or ANY RECORD of the Virtual card #. I've told them this REPEATEDLY. In order to insure this doesn't hit my credit I've paid one item off the other is still XXXX left to be paid. I haven't had a response from their so called " investigative '' team in over 3 weeks. I want my money back, I will NEVER use this company again, I sent a message to the CEO and founder on linked in, USELESS. 

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

I am writing to formally lodge a complaint against XXXX, XXXX, Equifax, XXXX XXXX XXXX XXXX XXXX , regarding an account that has been reported on my credit file. Recently, I reviewed my credit report and found accounts with XXXX XXXX XXXX XXXX XXXX that I do not recognize.
Product: Credit reporting or other personal consumer reports

The following variation are inaccuracies of my proper name " XXXX XXXX XXXX XXXX '' and any improper spelling of my actual name is a crime and a federal offense pursuant to Title 18 U.S. Code 1342 - Fictitious name or address and imposes a penalty where one " shall be fined under this title or imprisoned not more than five years, or both. '' The following names are a violation of Title 18 U.S. Code 1342 and I demand their immediate removal from my Consumer Report and Consumer File XXXX XXXX Name identification number : XXXX ; XXXX XXXX XXXX Name identification number : XXXX ; XXXX XXXX XXXX Name identification number : XXXX ; XXXX XXXX XXXX Name identification number : XXXX ; XXXX XXXX XXXX Name identification number : XXXX ; XXXX XXXX XXXX Name identification number : XXXX ; XXXX XXXX Name identification number : XXXX ; XXXX XXXX Name identification number : XXXX ; XXXX XXXX Name identification number : XXXX ; XXXX XXXX XXXX Name identification number : XXXX ; XXXX XXXX XXXX Name identification number : XXXX ; XXXX XXXX XXXX Name identification number : XXXX ; XXXX XXXX Name identification number : XXXX ; The following Addresses are also a result of federal law violation pursuant to 18 U.S. Code 1342 - Fictitious name or address and 18 U.S. Code 1341 - Frauds and swindles I demand the following address be removed from both my consumer report and consumer file as they pertain to fraud and identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Apartment complex XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Apartment complex XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX note XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Apartment complex XXXX Important note XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Single family XXXX Important note XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Apartment complex XXXX Important note XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Multifamily XXXX Important note XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

MRS BPO LLC has flagged your account as Collections. 
Accounts in Collections are accounts that are seriously overdue and have been turned over to a collection agency. These type of accounts may negatively impact your Credit Scores. 
Alert Details Alert Date XX/XX/2018 Source XXXX  XXXX MRS BPO LLC Address XXXX XXXX XXXX XXXX XXXX, NJ XXXX Phone XXXX Activity Collection Department/Attorney/Agency Balance Date XX/XX/2018 Balance {$220.00} Is anything incorrect? 
Visit Dispute Center. This Company has done this over and over to me.this is not right this was paid and remove from my credit reports in the past.I want them to have to pay for damages to my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

THE NAME ON THE EQUIFAX REPORT IS NOT CORRECT. THE NAME LISTED XXXX XXXX NEEDS TO BE CHANGED TO XXXX XXXX. PLEASE UPDATE MY REPORT.
Product: Credit reporting or other personal consumer reports

Consumer Name XXXX XXXX XXXX XXXX XXXX  Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I am filing this complaint because Equifax has failed to conduct a reasonable investigation into my disputes, improperly reported an inaccurate charge-off, and refused to provide the required method of verification ( MOV ), in violation of the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/XXXX, I disputed the reporting of my XXXX credit card account because Equifax incorrectly reported it as a charge-off, even though the account was only closed. I requested a method of verification ( MOV ) via mail and included tracking information to confirm receipt. Instead of providing documentation, Equifax responded with a generic verified statement without explanation. 

Similarly, on XX/XX/XXXX, I disputed a Your Best Credit Union account that was falsely reported as 60 days late. Equifax responded with no details about its verification process, violating FCRA 611 ( a ) ( 7 ). 

After I escalated the dispute through CFPB Complaint # XXXX, Equifax again XXXX to provide specific documentation, only stating that the information was verified by the creditor. However, when I contacted XXXX directly, they removed some incorrect charge-off reporting, proving that Equifax did not conduct a proper investigation. 

As of XX/XX/XXXX, Equifax continued to report a charge-off status for XXXX and XX/XX/XXXX, despite the creditor correcting some errors. Equifax failed to : Provide a proper method of verification upon request ( FCRA 611 ( a ) ( 7 ) ).

Conduct a reasonable reinvestigation ( FCRA 611 ( a ) ( 1 ) ).

Correct or remove inaccurate charge-off reporting.

Provide notice of reinsertion of negative information ( FCRA 611 ( a ) ( 5 ) ( B ) ). 
Equifax is operating in the same manner as XXXX, which the CFPB recently sued on XX/XX/XXXX, for failing to properly investigate disputes and verify data accuracy. I believe Equifax is engaging in the same illegal practices, rubber-stamping disputes as verified without any real investigation. 

This inaccurate charge-off reporting has unfairly damaged my credit score, caused financial harm, and prevented me from obtaining fair credit terms. 

I request that Equifax immediately correct the charge-off status, provide a detailed MOV, and ensure that no further inaccurate information is reported. If Equifax fails to comply, I will pursue further legal action.
Product: Debt collection

I reached out to the company asking for my signature that was not given this has to be taken off of my consumer report immediately.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cashapp due to unfair practices which violate the Consumer Financial Protection Act. Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their disputes resolution process was unfair. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

XXXX XXXX ] [ XXXX XXXX XXXX XXXX XXXX [ XXXXXXXX XXXX  XXXX ] [ XXXX ] [ XXXX ] XXXX [ Equifax ] [ Address of the XXXX XXXX XXXX ] Subject : Formal Dispute Regarding Inaccurate Information on My Credit Report Dear XXXX XXXX XXXX XXXX Name ], I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. 
Recently, the Consumer Financial Protection Bureau filed a lawsuit against XXXX for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 
Ikes These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I ani deeply concerned that my dispute may be mishandled XXXX a similar manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX  and Transunion should not be reporting a collection/chargeoff in the amount of {$5700.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I was involved in an automobile accident and the vehicle was deemed a total loss. I filed a lawsuit and won the court case against the other party. The court determined that I was not at fault for the accident. Consequently, the insurance company paid the remaining balance due on the vehicle. ( I have attached a copy of the police report for reference. ) There is no outstanding balance due and therefore nothing to collect and/or chargeoff. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Mortgage

I have been current in my conventional loan payments since loan origination on XX/XX/XXXX XXXX # XXXX. 

I requested Arvest to remove PMI as I had satisfied all Arvest Mortgage requirements for PMI cancellation. The requirements include paying the principal amount to {$230000.00} and paying a Brokers Price Opinion fee of {$150.00}. I paid the {$150.00} Brokers Price Opinion to remove the PMI on XX/XX/XXXX. 

I received the PMI termination confirmation email from XXXX XXXX in the PMI department from XX/XX/XXXX. 

I also paid two Mortgage Insurance premiums on XX/XX/XXXX for XXXX and XXXX. 

Since then, my XXXX MI certificate # has been cancelled. XXXX # XXXX. 

I have also satisfied all requirements for PMI cancellation according to the PMI Cancellation Letter sent from Arvest. 

I noticed my upcoming Mortgage payment due XX/XX/XXXX includes the PMI payment. 

I have called Arvest Mortgage customer service multiple times receiving different answers including, I will still have to pay the PMI premium until XXXX and XX/XX/XXXX. 

Arvest Mortgage refuses to produce any evidence of me owing PMI premiums for XXXX and XXXX, beyond the PMI termination date. 

Pursuant to 12 U.S.C. 4902 no further payments or premiums may be required from the mortgagor ( Arvest ) 30 days after the requirements have been satisfied.