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

am submitting a complaint regarding the incorrect reporting of Account No. XXXX by Equifax. Despite this account being listed as a charge-off with a reported balance of {$2200.00} on XX/XX/year>, this information does not appear on my credit reports with XXXX or XXXX. This inconsistency has unfairly impacted my credit report and score with Equifax, creating a misleading picture of my financial history.

This inaccurate reporting has had a significant negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ), disputing this claim and requesting validation.

I have contacted Equifax and requested that they remove this inaccurate information, as it does not accurately reflect my current obligations. However, I am requesting the CFPB 's assistance in ensuring that Equifax promptly addresses this matter and removes the erroneous entry from my report.
Product: Debt collection

I have filed numerous complaints against this debt, statute of limitations is up on. This is not my debt and has also been closed. This is HARASSMENT!!
Product: Debt collection

A few weeks ago, I received a letter from the IRS stating someone falsely filed tax returns in my name for the years of XXXX the NC department of revenue informed me that someone falsely filed tax returns in my name also for the years of XXXX, XXXX some is going around impersonating me and doing things with my name and social security number. I tried to file police reports recently but the sheriffs office here in XXXX XXXX told me that they can't get ahold of anyone to take a report. I only have one report from a few years ago where I was scammed. I would like for mariner finance , llc and XXXX XXXX to cancel my loans with them. I have tried to do this in the past but they would not work with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX not reporting to Experian that the loan was paid off on XX/XX/2022. Though it was reported correctly to XXXX and XXXX XXXX
Product: Debt collection

Dear, CFPB I am writing to formally complain about the fraudulent reporting of an account on my XXXX credit report by CREDENCE RM. Upon reviewing my credit report, I discovered that CREDENCE RM has inaccurately listed an account that does not belong to me. This erroneous reporting not only tarnishes my credit history but also violates my consumer rights to privacy and accuracy in credit reporting. 

Pursuant to 18 USC 8, I assert that I do not owe any debt to CREDENCE RM or any affiliated entity. Therefore, the inclusion of this account on my credit report is not only unjust but also illegal under federal law. I demand immediate removal of this inaccurate information from my credit report to rectify the damage caused to my creditworthiness and reputation. 

Furthermore, it has come to my attention that CREDENCE RM is not licensed and bonded in my state to collect debts. This raises serious concerns about the legitimacy of their operations and their compliance with state regulations. As such, I question the validity of their claim and request proof of authorization to collect debts in my jurisdiction. 

I expect prompt action to rectify this matter and restore the accuracy and integrity of my credit report. Failure to do so will result in further escalation of this issue to the appropriate regulatory authorities and legal entities. I urge you to take this matter seriously and address it with the urgency and attention it requires. 

Please acknowledge receipt of this complaint and provide a timeline for resolution. I can be reached at my contact information listed below to discuss this matter further. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX
Product: Debt collection

I paid off my collection over a year ago with the agreement that once I made the payment they would delete the collection from my account so I proceeded to pay it online. Once the payment was made I called back to confirm they were processing the deletion of the collection I was told yes they were! Over time I was preparing to buy a home and pulled my credit report and still saw the collection account listed as an open collection with a {$0.00} balance! It was still listed as a negative item on my credit report! I called them back and was told I did not do a pay for delete I told them about the agreement that I first had to even pay the account! I then asked if I could just pay them to delete the account I was told no and they would not delete it either! This is a paid off collection account! I owned up to my debt and paid my debt and they will not do the right thing and delete the account from my credit report! 

Under the FDCPA, any such action, or threat of such action is a violation of the law, and grounds for fines and civil sanctions. 

807.False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. 
The penalty provisions of the FCRA and FACTA are also in effect, including FACT Act changes final rules effective XX/XX/2010. 
Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 2 ) The false representation of- ( A ) the character, amount, or legal status of any debt; or ( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the XXXX, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action. 

( XXXX ) The threat to take any action that can not legally be taken or that is not intended to be taken. 

This notification to you is of applicable legal statutes, codes and laws.Other Federal and State laws may apply.
Product: Money transfer, virtual currency, or money service

Square Inc. has been holding 20 % of my small business income in a form of wallet they call " reserves '' for chargebacks. Never did I have a issue with this until a couple of months ago. At the current time they have over XXXX $ they refuse to release. Apparently this is common for them and in the meantime they are using my money to gain interest or fund other items for their business. Their hold was arbitrary and capricious ; that ample proof was given to validate transactions ; that after proof was provided the resolution time was unwarranted.
Product: Debt collection

I paid this {$110.00} debt on XX/XX/XXXX to credit management control ( XXXX XXXX XXXXXXXX XXXX ) for a bill I owed for XX/XX/XXXX. However upon checking my credit report I noticed that XXXX XXXX XXXX has listed a derogatory debt for the same amount from this above creditor. I spoke with XXXX and they stated that they just trying to collect the debt, they don't have anything to do with the other company. I have never received any communication from XXXX in regards to this debt.
Product: Credit reporting or other personal consumer reports

I disputed multiple accounts with EXPERIAN for inaccuracy. The accounts came out of dispute and as it stands, remain inaccurate. These accounts are in violation of 15 USC 1681e ( b ) FCRA because the existing inaccuracies in my consumer report does not align with compliance when the Fair Credit Reporting Act tells consumer reporting agencies to ensure maximum possible accuracy. The reporting of the accounts also does not align with Metro 2 formatting when the information was reported. The existence of the accounts is ruining the integrity of my consumer report and my credit worthiness.
Product: Credit reporting or other personal consumer reports

This a request to have the following accounts removed in accordance to FCRA section 605 B. It is illegal to report any information on my credit report without my permission. The following are the accounts : XXXX XXXX XXXX  account number XXXX in the amount of {$750.00} XXXX XXXX XXXX XXXX account XXXX in the amount of {$6200.00} XXXX XXXX XXXX account number XXXX in the amount of {$17000.00}.
Product: Debt collection

Professional Credit Management of XXXX, AR ( PCM ) intentionally and illegally reported and continues to report false information to Equifax. I had a procedure in XXXX of XXXX. They originally reported the date of first delinquency as XXXX of XXXX, three months prior to the date of service. Pursuant to the Fair Credit Reporting Act ( FCRA ) they must report accurate to the credit bureaus. I have their manager, XXXX XXXX, on a recorded call stating that they do indeed report false information so the information will come off sooner. Reporting false information is still illegal. Since then, PCM has reported the debt as unpaid when it has been paid and now they 've changed it again. In the last 2 months PCM has reported several different false reports, defamed my character, and jeopardized my ability to get sound interest rates. PCM should be shut down immediately and required to cease operations. I am also asking the CFPB to do a full audit of PCM.
Product: Credit reporting or other personal consumer reports

I have sent multiple disputes to Experian about a alleged collection account on my credit report from XXXX XXXX XXXX, I have been disputing this for the past two years both with Experian and XXXX Directly. I have sent numerous certified letters to XXXX directly to validate the debt and they have not. They are in clear violation of the FCRA and FDCPA. But Experian chooses to still validate the debt as correct. If this debt was correct XXXX should have in the past two years given me the proof I have asked for, they have not. When disputed with XXXX and XXXX they removed this immediately.
Product: Debt collection

They sued me for a debt thats exceeded the statute of limitations in the state of Indiana. Ive received no notification of the debt, and the court records even state that they never could serve me. Now they have a garnishment order through the court. I was never served with order to appear and did not know about this until I received a garnishment order.
Product: Debt collection

In XXXX XXXX, I moved XXXX continued to find employment and made minimal payments, but got to a point on no money and called XXXX to notify of hardship. I called every month and they ensured I was fine, and I was sent to collections. After a few months, I got a temp job and was working with a XXXX credit attorney and made monthly payments, after a year I was unemployed, called to notify Attorney, and was told to call next month, I did this for 5 months, then the person I was working with left the company, got a new representative, they never called me back, called the office and left messages and later found out the office closed. I called XXXX recovery dept, they said I had to wait to hear from new credit attorney and that XXXX could not help me. During this time I have moved, and assume the the XXXX attorney XXXX update my information to XXXX. No one sent me a letter of called my phone, XXXX XXXX I moved XXXX and XXXX XXXX I get a bank Levy. My bank gives me the contact information to a XXXX court representative and I was told to speak with the Credit attorney about the Levy, I call XXXX and XXXX of XXXX XXXX, and speak with XXXX. She asks me why I never responded to the letters, and I said I never received letters and that I moved, she got my current address XXXX and realized I was out of state and said she had to close the file and the Levy will be released. I asked her who I can speak with to get this debt paid, and set up for a payment plan, she said she did n't know and that I will have to wait to be contacted again. I wait for the XXXX to be reversed, but it does n't happed. I was told by his office worker organ that, XXXX XXXX of XXXX court says that it should n't matter that I am out of state and that I need to speak with XXXX and XXXX again. I call them and they say my file is closed and they are waiting to hear from XXXX, I have updated all my information with everyone so that I can make sure someone will call. I tell them they levied my husbands ' unemployment, XXXX tells them to take the money and it will be used as a payment towards my debt, and I feel they did n't give me a chance especially since they had an address that I lived at 4.5 years ago. I was n't trying to hide from my Debt, because I am currently paying off my student loan, and now have a steady job to set up a payment plan. I felt I was forced to just allow that money to be taken when I was trying to get the situation resolved. XXXX wont even speak to me and keeps telling to speak to their credit attorney and I have to wait to speak to someone. XXXX and XXXX said the Levy will be reversed because I was out of XXXX, and The XXXX court XXXX XXXX, did not listen to them to reverse it and told XXXX and XXXX, that me living out of state should be an issue. I was speaking with each party and even updated my information with each party to ensure they had my correct information. I hope you can help me.
Product: Credit reporting or other personal consumer reports

This has been the worst experience in my life in terms of getting a loan. Talk about predatory loan practices and shady consumer practices. I would stay away from this company! As soon as interest rates lowers I am out! 
This is not my first experience in home buying or having conventional mortgage loan. The sad part of it all is I didn't choose these sharks ; the loans was sold to them! I thought one of the bigger conventional banks would buy it from XXXX XXXX mortgage whom I took the mortgage out with but no, these predators came into my life and it has been a nightmare ever since! 
My business is in the dumps! You can read my previous complaint for full details. But a summary of the events : the mortgage was sold to and serviced by XXXX XXXX XXXX ( XXXX  ) ; which turned out to be a subsidiary of Newrez LLC, the company that ultimately absorbed XXXX  and took over the mortgage. The acquisition process was done so incompetently in that all account information was not transferred. It then become the client responsibility to prove that you paid all the past mortgages ; information that wasn't transferred. Two months of information was just lost in my case. They didn't even make any attempts to get the information it seemed. Remember, XXXX and Newrez are part of the SAME company!!!!! - the phone number even remained the same! so even when you tried to call XXXX to find out what happened during the transfer or for them to send the information you end up right back at Newrez! FRAUD!!!!! 
But I refused to be cheated and so I kept calling XXXX days per week many times per day and I would not stop! For MONTHS!!! 
They hung up on me; mocked me, was sarcastic ; insinuated that I was lying etc. I sent them multiple copies of the receipts they sent me of proof that I paid the mortgage for the disputed months. Apparently they don't accept their own receipts. I sent them bank statements that I paid the mortgage. They went silent for MONTHS!!!. My credit went in the dumps. I kept calling. I filed a complaint to the wrong regulatory body and then to this agency. My business tanked. 
Once I filed the complaint with this body they decided to respond once they realized that I wasn't going to be cheated and be intimidated into repaying for those 2 months. 
I was right, I wasn't late and I was up to date on my mortgage. 
I know they got many other folks who wasn't dogged like I was. I know other folks caved. 
They assured me that they would report the error the the credit agencies and they didn't and this is why I am back here! THEY DID NOT! 
I WAITED 3 MONTHS AFTER AND APPLIED FOR CREDIT AND THIS WHOLE ORDEAL IS STILL ON MY CREDIT. 
AT THE SAME TIME, GUESS WHO IS SENDING ME OFFERS OF HELOC!!! 
JUST TAKE A WILD GUESS!!!! 
FOLKS ; DON'T WALK, RUNNNNNNNN AWAY FROM NEWREZ LLC OR NEWREZ FINANCIAL!
Product: Credit reporting, credit repair services, 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. 

I told the XXXX to reinvestigate these accounts : XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.
Product: Money transfer, virtual currency, or money service

{$2800.00} left my Wells Fargo account through XXXX, I called and ask them why did my money left the account without they ( Wells Fargo ) asking for a 2 step verification, then said that they did but I never received any codes. 3 different transactions went through that adds up to {$2800.00} and I NEVER received a notification that my money was leaving my account
Product: Payday loan, title loan, or personal loan

I have a Solar Loan through Sunlight financial Agreement # XXXX. The company that installed my solar system XXXX XXXX XXXX XXXX has went out of business. My system has not worked properly since day one and now I have no one to service it. I have called Sunlight Financial for assistance and have not gotten any
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the Experian credit reporting agency, block information appearing on my credit report that is the results of Identity theft, Experian data Breach and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of the following accounts XXXXXXXX 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/year>. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARING IN MY CREDIT REPORT MAINTAINED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, EXPERIAN DATA BREACH AND FRAUD. ATTACHED TO THIS IS A COPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.
Product: Credit card or prepaid card

I made a purchase using my AmazonPrime store card ( Syncrony Bank ) on XX/XX/2021. The hose reel cart was purchased from " XXXX XXXX XXXX '' in Texas for a total of {$130.00}. I found the same item at our local XXXX XXXX store for {$99.00}. I asked Amazon for a return. They referred me to XXXX XXXX XXXX. 
They refused to return the item. I contacted XXXX on XX/XX/XXXX and filed a dispute on the hose reel charge. I contacted Amazon to complain about their seller. XXXX XXXX XXXX provided a return shipping label on XX/XX/XXXX. I returned the item Using the XXXX label provided on XX/XX/XXXX. Amazon refunded the {$130.00} to Syncrony bank on XX/XX/2021. 

It is XX/XX/2021. I have contacted Syncrony bank several times in the past 2 months about the {$130.00} charge that still appears on my account. I asked Syncrony to cancel the dispute.They said that the dispute dept. has not completed their work. Today, the rep from Syncrony said that it will take another 60 days. Something is wrong. 

Syncrony bank has fraudulently charged my account, though the payment was made by Amazon on XX/XX/XXXX. Syncrony still charges my account when I requested that the dispute be ended. I spoke with Amazon again today. They asked me to call Syncrony again. I am now on hold with Syncrony for over 30 minutes.
Product: Student loan

Navient is my service now after they bought it from I'm not sure who. It has gone from service provider and bought out by the next. Anyway I went to school at XXXX XXXX for under two years but am being told I owe Navient {$170000.00}. On a recent statement is says that the money was from XXXX XXXX in the amount of approx. {$78000.00} but now I guess in interest up to the current amount. I have never rec 'd this amount of money {$78000.00} from anyone, not XXXX XXXX and certainly not XXXX XXXX. I have asked every rep on a recorded line about this balance and none of them have any answers. I did agree to start paying on this loan although I didn't agree with the amount back in XXXX or XXXX in order to be eligible to apply for a so-called Obama mortgage program to help people get into a home program that would allow a smaller down payment. I was told that I had to start paying on these loans although I NEVER agreed to the amount. And I still don't. I need some assistance on how this loan has ballooned up to the amount of a home, and how and who rec 'd the principle amount.
Product: Credit card or prepaid card

Hi I have recently been notified from JPMorgan chase that all my 4 credit cards with them have been closed with no explanation over the phone at all that there is nothing for me to do about it and no one to talk to I have been an excellent customer with them for over 2 years now and relly on there credit cards for daily and large purchases
Product: Credit reporting or other personal consumer reports

I am writing to request the immediate blocking and deletion of the fraudulent accounts and inquiries listed below from my credit report. I am a victim of identity theft stemming from a recent data breach, and these accounts and inquiries were created without my authorization. Under the provisions of 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that all items listed be removed. 
Accounts to be Blocked and Deleted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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