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

I just reached out to Equifax again today at XXXX. It took me four calls to reach a live agent because the automated system refused to allow me to proceed due to me providing my correct address information. I had to log in to my online Equifax account and retrieve the incorrect address to pass verification. I was told that even though I have reported the inaccuracies many times, they are unsure when my disputes will be resolved as I submitted my disputes and proof online. This last dispute was submitted on XX/XX/XXXX, and I wasn't given an estimated date of completion by the agent because he said there wasn't one. I have submitted my FTC report, Police report number, Several forms of ID including state ID, birth certificate, social security card, current bank statement, letter from United States Social Security Administraion, and several other items for proof of address.

I have had a very hard time getting Equifax to respond and comply with my request under FCRA 605b to remove the incorrect personal information and accounts within 4 days. I was just told that if I want my dispute to be handled more efficiently, I would have to print everything out XXXX XXXX to the XXXX XXXX and mail it. I explained my concerns about the XXXX season and surplus of lost mail. The representative told me that's the only option. When I asked to speak to a supervisor to file a complaint about the way my information is being handled, he said there's no supervisor I could talk to, I would have to call the CFPB. Thats why I am filing this, as there is no clear relief in sight.
Product: Mortgage

Mortgage transferred to Nationstar from XXXX. I pay online at the end of grace period, XXXX of the month, NEVER have been charged a fee. Fee is waived in first 10 days of the month only. I can not afford to pay sooner than the XXXX, and can not afford a XXXX fee. Is n't the new company supposed to honor the same terms as the old?
Product: Payday loan, title loan, personal loan, or advance loan

Hello, I took out a loan a while ago for a washer and dryer through one of those lease to own companies, called Acima leasing. 

I received an email providing me with settlement amount which I paid. I also talked to a customer representative who told me they would have to update things on their end to close out the sccount. They even extended more credit to me after it was paid off on XX/XX/year>. 

The lease is showing closed on their mobile app but active on the desktop version. 

Please see attached of such. I am concerned this has been reported incorrectly to my credit. 

I have contacted the company and have not been able to get this resolved. I either speak to someone I can barely understand who is not able to understand the situation or I send emails and get no replies.
Product: Debt collection

On XX/XX/2019 this company CashnetUSA removed over {$500.00} from my personal bank account. I called my bank to tell them this was a fraud and the bank canceled the transaction. I called this company CashnetUSA to ask them what they were doing and they said they were collecting on a loan. I told them I have no loan with them and asked how they got my personal banking information and they said from an online application. I told them I didn't do that and to stop from emailing me, calling me and trying to collect from me as I have no account with them and never had. 

The following month XX/XX/2019, they attempted to debit my account again for over {$500.00} to which my bank stopped that transaction again. I wrote to them to stop this activity and asked them to tell me how they have my personal information and the response I received was ; " If you think this was fraud, file a police report and send us that information '' Seriously? they obtained my information fraudulently, have no methods to stop online hacking or they perhaps have underhanded employees and I'm supposed to go out of my way to substantiate their illicit activities? I think not! 

To this day I receive demanding emails and phone calls every single day. I want this company to cease and to advise where they obtained my personal and private information. I have filed complaints against this firm and see attached online comments about them. The internet has pages regarding this company. 

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

On XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate theses items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX XXXX and may have got into the hands of the wrong person.
Product: Debt collection

I was sent a letter with a fake case number and logos impersonating a government agency. I have never been a customer or done business with Franklin services. This is illegal and a violation of multiple fdcpa laws including attempting to impersonate a government agency using former President Franklin face as a seal. The letter states I have a open case aswell as a case work and I need to contact my attorney regarding potential remedies and to discuss my defense. " XXXX # XXXX '' amount they are attempting to extort is {$1200.00}
Product: Credit reporting or other personal consumer reports

I want to seek help about this issue I am having regarding my credit report, I need these errors in my credit report to be investigated as its affecting my ability to obtain credit. For now, please remove these information as I was informed by a law expert that these information can be blocked.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, TX XXXX To Whom It May Concern, Subject : Inaccurate Credit Reporting Request for Immediate Deletion ( 15 USC 1681s-2 ) I am writing to formally notify you of an ongoing issue regarding inaccurate information reported by your company to the credit bureaus, which violates the Fair Credit Reporting Act ( FCRA ). As a furnisher of credit information, it is your legal responsibility to ensure the accuracy and integrity of the data provided. 
The specific account in question is as follows : Account Name : [ XXXX ] Account Number : [ XXXX Current Reported Balance : [ {$1700.00} ] It is my understanding that this debt was charged off by your company, and I have reason to believe that a Form 1099-C was issued, which memorializes the cancellation of this debt. According to IRS guidelines, a debt cancellation through a Form 1099-C should no longer reflect as a balance on my consumer credit report. The continued reporting of this balance is therefore inaccurate and misleading. 
This inaccuracy constitutes a clear violation of the FCRA, as you are required to report only truthful and accurate information. With full knowledge of this error, you are obligated to correct it immediately. 
To rectify this matter, I request that you provide me with the following : 2. A return of the time and form prescribed by regulation or the Secretary, including : o My name o My address o My Tax Identification Number ( TIN ) o The date and amount of the discharged/charged-off debt o Any other relevant information as required by the Secretary If you are unable to provide the requested documentation and proof, I demand that this account be removed from my credit report in its entirety. Failure to comply with this request may result in legal action, as I will not hesitate to engage retained counsel to protect my rights under the FCRA. 
Please respond promptly and confirm the actions taken to correct this issue. All correspondence related to this matter should be sent to the address listed above. 
Thank you for your immediate attention to this matter. I look forward to your prompt and favorable resolution. 
Sincerely, 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

Synchrony Bank/Ashley Homestore is reporting late notations on my credit file that need to be removed. I recently looked at my credit and noticed some late notations on my credit file. Due to Covid and the unforseen events in my life because of it, I was severely financially impacted. I had a very hard time and was very scraping by on bare necessities. I was surprised to see Synchrony Bank report any lates at this time since under the CARES act creditors were supposed to take leniency on credit reporting because of hardships surround the pandemic. The bureaus specifically stated they expect consumer reporting agencies to make good faith efforts and have leniency. I ask that Synchrony Bank please take leniency on my hardship and remove any 2020 lates as a one time goodwill adjustment.
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 Number : XXXXXXXX XXXX XXXX Account Name : XXXX Account Number : XXXX XXXX Bankruptcy Account Name : XXXX Account Number : XXXX XXXX Account Name : XXXX Account Number XXXX XXXX  Account Name : XXXX Account Number : XXXX XXXX  Account Name : XXXX and list of Inquiries. 

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: Debt collection

The XXXX XXXX XXXX called my husband and he gave me their number to return their call. When I did it never rang and the man who answered knew who I was before I gave any identifying information. He never identified his name or that he was calling to attempt to collect a debt. He then claimed he was calling on behalf of an attorney to collect a debt owed to XXXX XXXX from XX/XX/2008  in the amount of {$370.00} dollars. This information can not be confirmed by the bank or the consumer reporting company they utilize. When I disputed the debt as I've never been notified of it or had it on my credit report he claimed the bank could never report the debt because I had moved multiple times since XX/XX/2008 and that they contacted me at an address in Florida I've never lived at. He also claimed they had preformed a federal background check on me because they're a law firm and they can do this while the bank can not when I questioned why I hadn't been contacted in the last 10 years. He then went on to threaten me stating that he was putting me down as refusing to pay and they would be reporting this debt to every one of the credit bureaus as well as XXXX and my current bank account would be shut down immediately. He went on to state he knows I'm very intelligent and that I don't want my credit ruined over this.
Product: Credit card or prepaid card

I have a major issue. I always carry a balance on my Amazon Store card. Don't really look at fees and assume interest. I have had a problem with tons of scam charges from Amazon Digital Services ( Amazon has stated they would block for me but haven't ). So I look through my bill and notice a card security fee. We are talking 50-80 at times. I NEVER signed up for this service. In fact I have attached my account where it says card security No. I can only see as far back as a year but I have been charged this fee and therefore additional interest for probably 5 years along with this random fake charges.
Product: Vehicle loan or lease

In XX/XX/XXXX, I brought my vehicle, it was stated to me that I'll be able to refinance my vehicle within one to two years. XX/XX/XXXX and XX/XX/XXXX, I spoke with a representative from Exeter Finance stating when I'm ready to refinance my vehicle that I can do so with them. I was guaranteed on three separate occasions that I'll be able to refinance my vehicle. In XX/XX/XXXX, I was trying to refinance my vehicle, I spoke with a representative and I was told that I'm not able to refinance my car. I called back again just to verified that I heard correctly, I was told that Exeter Finance DOES NOT refinance vehicles. At this point, I realized that I was fooled by the dealership and by Exeter Finance, I asked this question several times. From this point on, I researched several different financial institutions and all of them denied me of refinancing my vehicle, I've never missed a payment and now I stuck paying a 26 % interest rate that I still owe {$6500.00}. Exeter Finance was very dishonest and they refused to decrease my interest rate despite that I haven't missed not one payment and I was told several times in XX/XX/XXXX, that I'll be able to refinance my vehicle.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX 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 XXXXXX/XX/XXXX
Product: Debt collection

Alpha Recovery Corp. calls all day long during my work hours. Ive asked them to stop calling and send all correspondence through mail. Theyve begun to call my job and now my manager is involved because the woman said it was an emergency. I need them to stop calling.
Product: Debt collection

I ordered an XXXX from XXXX XXXX XXXX. This was an XXXX XXXX. XXXX XXXX XXXX over the course of a month could not get the phone set up properly : They could not get it to adequately connect to their network, they could not get Voice Mail to work. They had me go to XXXX and get a different phone and still they could not get it to work properly : I had been an XXXX XXXX XXXX  customer for over 15 years at that point. 

I attempted to return the phone to XXXX XXXX XXXX directly ( twice ). I canceled my account with them and went on to XXXX. 

XXXX XXXX XXXX is attempting to collect a debt for service, merchandise, and product support that they did not provide. I attempted to resolve this with XXXX XXXX XXXX three different times and even offered to restart service. XXXX XXXX XXXX could not even make that happen. 

They attempted to collect on this previously. It was removed from my credit reports as it was not a valid debt by the debt collection company. 

I do not owe money : They could not keep to their Service Level Agreement, and I discontinued my patronage of their business. 

The debt they are attempting to collect is not owed and is an issue that is now nearly three years old.

I even kept the new phone in it's packaging for two years.
Product: Credit card or prepaid card

Citibank took a payment check which was written out for deposit to my wife 's Citi account and applied it to my credit card. 
They agreed, in a tape recorded conversation, that it was their fault. 
When I requested immediate payment, on XX/XX/21, they said that it would post to my bank account in 2 or 3 days. 
When it did not post till today, ( XX/XX/21 ) I called. They said that the original information was false and that nothing would happen till XX/XX/21. I asked when the process would be completed, they said no guarantees. 
Two different supervisors agreed, in tape recorded calls, that they could not provide a check. Second one was today, XX/XX/21 XXXX # XXXX. 
There is nothing to research or investigate by Citi. 
There is a clear paper trail of a mistaken payment by them, and they agree that that its what happened. 
Please force Citi to change its practices so that immediately begin to process a check when this happens to someone else. 
If I stole their money ( {$15000.00} ) and told them that I would return it when it was bureaucratically convenient for me, I would be in jail for it. 
My credit card that the money was mistakenly used to pay down the amount owing is XXXX XXXX XXXX XXXX. My money was withdrawn from my XXXX XXXX Checking ending XXXX. 
Please let me know if I can provide further information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received notification that my capital one credit card ending in XXXX was reported as being 30 days late. When I checked the account they list my XXXX payment as being returned. I contacted capital one to find out if they send out a notification when a payment is returned. They advised that they do not send out a notification. As a debt collector, I believe it should be a requirement to alert the account holder of these types of incidents allowing for the account holder to correct the concern.
Product: Debt collection

My name XXXX XXXX, I am a victim of identity theft and ive tried to reach out to XXXX XXXX and explain that i never took this loan out the person who took this out was my late tax prepare who later died she was in distress.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has repeatedly denied my countless attempts to open a dispute against XXXX XXXX XXXX XXXX XXXX of 14 accounts on my credit report. I believe that I am being subjected to XXXX policies by Experian. The accounts " dates of service '' are greater than seven years old and should be deleted. 
XXXX XXXX XXXX violated FDCPA and Texas Statute SB 1264. 
XXXX. After multiple request going back to XXXX, XXXX XXXX has refused to verify the debt. 2. XXXX XXXX did not advise me of my right to dispute the validity of the debt. 
3. XXXX and XXXX already found the reporting to be erroneous and from eight years ago. 
4. This reporting is in violation of Senate Bill 1264 Texas, XXXX   XXXX XXXX who XXXX XXXX XXXX is collecting on behalf of received payment from XXXX Texas in XX/XX/XXXX - XX/XX/XXXX. They received payment from XX/XX/XXXX through Present XX/XX/XXXX for services rendered. Any other amounts were not disclosed to me. These are surprise bills. 5. I  have NO Contract with XXXX XXXX XXXX. They are falsely reporting these 14 accounts as DEFAULTED Loans. These are fraudulent, falsified records. These are not Loans. Again Texas XXXX XXXX received Payment in full. The record are listed below. 1. XX/XX/XXXX XXXX XXXX Account number : XXXX Collection opened : XX/XX/XXXX Loan Amount {$880.00} 2. XX/XX/XXXX XXXX XXXX Account number : XXXX Collection opened : XX/XX/XXXX Loan Amount {$630.00} 3.  XX/XX/XXXX XXXX XXXX Account number : XXXX Collection opened : XX/XX/XXXX Account type Loan Amount {$940.00} 4. XX/XX/XXXX XXXX XXXX Account number : XXXX Collection opened : XX/XX/XXXX Account type Loan Amount {$990.00} 5. XX/XX/XXXX XXXX XXXX Account number : XXXX Collection opened : XX/XX/XXXX Account type Loan Amount {$710.00} 6. XX/XX/XXXX XXXX XXXX Account number : XXXX Collection opened : XX/XX/XXXX Account type Loan Amount {$340.00} 7. XX/XX/XXXX XXXX XXXX Account number : XXXX Collection opened : XX/XX/XXXX Account type Loan Amount {$950.00} 8. XX/XX/XXXX  XXXX XXXX Account number : XXXX Collection opened : XX/XX/XXXX Account type Loan Amount {$930.00} 9.  XX/XX/XXXX XXXX XXXX Account number : XXXX Collection opened : XX/XX/XXXX Account type Loan Amount {$370.00} 10. XX/XX/XXXX XXXX XXXX Account number : XXXX Collection opened : XX/XX/XXXX Account type Loan Amount {$890.00} 11. XX/XX/XXXX XXXX XXXX Account number : XXXX Collection opened : XX/XX/XXXX Account type Loan Amount {$830.00} 12. XX/XX/XXXX XXXX XXXX Account number : XXXX Collection opened : XX/XX/XXXX Account type Loan Amount {$830.00} 13. XX/XX/XXXX XXXX XXXX Account number : XXXX Collection opened : XX/XX/XXXX Account type Loan Amount {$730.00} 14. XX/XX/XXXX XXXX XXXX Account number : XXXX Collection opened : XX/XX/XXXX Account type Loan Amount {$890.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I identified on my XXXX  credit report that Mariner Finance ( previously Personal Finance Corporation ) was incorrectly reporting my account as being in collections. In XX/XX/XXXX, I was 30 days late with my payment, and prior to that, I was current until being 30 days late in XX/XX/XXXX. Since those occurrences, I have not missed a payment. 

On XX/XX/XXXX, I contacted local branch manager XXXX XXXX ( XXXX XXXX XXXX, XXXX, IL XXXX ), and she verified that my account was current in their system. She responded that she would have to take it up with corporate ( XXXX XXXX XXXX XXXX, XXXX, MD XXXX ). I followed up by mailing a copy of the report indicating the account in collections. 

It is now XX/XX/XXXX, and no progress has been made, and my credit score has been adversely affected.
Product: Credit reporting or other personal consumer reports

This is Fraudulent account and I never open it, My information was stolen and opened credit card. 

Account name XXXXXXXX XXXX  Account number XXXX Account type Credit card Date opened XX/XX/year> Status Paid, Closed/Never late. 
Status updated XX/XX/year>XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX  credit reporting agency , 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 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 XXXX 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.