23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I had a loan with XXXX XXXX which is now Navient. I admit the loan is in a collection status but I have been paying on for a couple of years now. The collection loan was being handled by allied interstate. I was in an interest free program paying $ XXXX month. XX/XX/XXXX, XXXX XXXX stopped deducting the payments out of my bank account without notifying me. I realized last week that the payments were no longer being deducted and I called them. The gentleman I spoke to advised me that because I was set up on this interest free program for a year, once the year was up, the payments stopped. I asked him why did n't anyone notify me. He had no answer. He asked me if I could submit a payment that day, and I did, for {$100.00}. I advised him I would call back to set up a new arrangement once I figured out my financial situation and if I could afford to pay more than what I had been paying. He asked me if I could settle for {$10000.00}, and I advised him I do not have that kind of money. He then asked if I could pay anything over {$5000.00} to settle, and I said no. He asked me to take out a loan to pay the bill?? Who does that?? Anyway, yesterday morning XX/XX/2016 at XXXX, I recieved a call from XXXX XXXX of XXXX XXXX XXXX. This representative was very very rude. He began in a very harsh tone demanding why I stopped paying on my loan to Navient. I said excuse me? I thought I was paying to XXXX XXXX? He said the account had just been transferred to their agency and he was calling to settle the account. He said he could settle it for {$10000.00} and I said I do n't have that. He then very rudely said well they paid for your education, you need to pay them back.. How are they allowed to call very early in the morning and be very rude and disrespectful at that. His manager, XXXX XXXX then chimed in and advised that would take over the call. He also again asked me why I stopped paying. I told him the same story I told the other gentleman last week. I was not aware the payments stopped coming out of my account and that I made a payment last week to XXXX. He said well they did n't receive any payments from me because the account was just transferred to them. I said how is that my fault? I did n't know when I was making that payment that XXXX is no longer handling my account. How is that fair and legal that XXXX XXXX can take money from me, and then transfer the account to XXXX XXXX XXXX and they have no record of the payment? The collection rep was so demeaning and rude and spoke to me in a very harassing manner. This is very stressful situation and I am thinking about getting an attorney. How can these collections companies keep transferring accounts but do not notify the consumer. Then they call you and get you to give them money right before they transfer it, but they do n't notify the other company of the payment. How is this fair and legal? Also, why do they have collection reps who are very rude and nasty, calling at XXXX. This entire situation has been nothing but XXXX on me and I have contacted an attorney.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX is a Victim of identity theft this was not sent in error, and not a material misrepresentation To whom it may concern these items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor they relate to anything i did. I'm unaware of any of this.I also once again filled an FTC report for this unauthorized accounts reporting.
Product: Credit reporting or other personal consumer reports

I am writing to formally file this follow up regarding the incorrect reporting of late open accounts on my credit report. Despite multiple attempts to resolve this issue through direct communication with the credit reporting agencies and creditors, the errors remain unresolved. Given the persistence of these errors despite my efforts, I am seeking assistance from you to : 1. Conduct a thorough investigation into the reporting of these accounts. 
2. Ensure that the credit bureaus and the creditors involved take the necessary corrective actions to accurately reflect the account statuses as closed with timely payments. 
3. Provide a clear resolution and timeline for the correction of these errors. 
I have attached the documents to support my complaint. Accurate credit reporting is critical, and the continued presence of these errors is causing significant harm to my creditworthiness and personal stress. Despite my repeated efforts to correct these mistakes, the credit reporting agencies have not fulfilled their obligations under the Fair Credit Reporting Act ( FCRA ). I am relying on you to intervene and ensure these inaccuracies are rectified promptly. I am asking for your help to correct the following accounts : XXXXXXXX XXXX XXXXXXXX XXXX Balance Owed : {$260.00} ; XXXX  XXXX XXXX Balance Owed : {$380.00} ; XXXX XXXX XXXX Balance Owed : {$1100.00} ; XXXX  XXXX XXXX Balance Owed : {$680.00} ( Date Opened ) = XX/XX/year> ; XXXX  XXXX XXXX Balance Owed : {$330.00} ( Date Opened ) = XX/XX/year>.
Product: Debt collection

This account was open over 10 years ago. Sent buyer bought the debt and moved the dates to recently so they can report it on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I have noticed that you have placed an inquiry on my XXXX credit file dated XXXX/XXXX/2017. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act15 USC 1681n ( a ) ( 1 ) ( B ) for an entity to view a customers credit report without a permissible purpose, I am writing to inquire as to your alleged purpose for doing so since I did not apply or request credit from your organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) states, in part, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater.This is informing you that this was a fraudulent application and I did not authorize your company to pull my report. I do hope that we can settle this matter amicably. Please remove this hard inquiry from my credit report upon receipt of this complaint to avoid further damage to my credit. Your immediate attention is appreciated in regards to this matter
Product: Debt collection

I apologize for not addressing this earlier but we 've been dealing with a recent death in the family that focused our attention elsewhere. 

I will be opening a new complaint as well so this will be repeated. 

XXXX XXXX, while it was great that you spent most of your letter explaining how trustworthy IQ Data is, the rest of the letter completely undermined whatever you claimed as far as not receiving the dispute letter. The fact that you received and cashed our check proves that you received the letter and simply ignored it BECAUSE THE CHECK WAS ENCLOSED WITH THE LETTER. Not only that, but it was mailed the same day as XXXX other copies to XXXX XXXX, XXXX, and the property owner listed at the country level which also is at the same address as XXXX XXXX headquarters. I called the number I was given from XXXX XXXX and spoke to your representative XXXX XXXX at ext XXXX several times and was told that sending the check with the dispute letter was the correct course of action. Also reaching out to XXXX XXXX about the validity of the debt is going to result in them saying it 's valid because they are the ones incorrectly claiming the debt. If you read the contents of my letter instead of throwing it away, you would know why that was factually incorrect on their part. The only conclusion I can reach through all of this is that IQ Data, XXXX XXXX, and Heatherstone Apts are in collusion with each other and are lying about this and most likely many other debts together. I 've attached my original letter. The documents you sent back to me from XXXX XXXX were also included in my original letter which I used as proof of the incorrect billing. I will be following up by again resubmitting a complaint with the CFPB and filing a new complaint with the Texas State Attorney General. 

My original case number with the CFPB is XXXX for IQ Data and XXXX for the complaint against XXXX XXXX. 

Below is my original complaint as filed with the CFPB. 

I am submitting a formal complaint IQ Data and XXXX XXXX against debts that was sent to IQ Data that was disputed but ignored. The debt is in regards to incorrect billing for cleaning and utilities with the Utility portion already being paid. The utility payment was submitted with a dispute letter and proof of cleanliness and remodel of apartment. This was done within 30 days and the dispute given to IQ Data International. IQ Data International continued to call several times a day without leaving a message to the point of harassment and without notice of dispute of debt and later a past due collection notice of the remaining disputed amount without acknowledge of the dispute but asking for a written letter of dispute even though they had already received it. That IQ Data International acted illegally on contact and ignoring the legally required dispute notice and continuing to collect on the debt without following proper procedure.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hey I opened up a XXXX XXXX XXXX account through XXXX  XXXX then I closed it paid it in full with my payees help however the credit bureaus are all showing that this payment was late and that it's a derogatory account. may I remind you that this was closed months almost years ago this was paid in full on a payment plan it is XXXX it should not be marked as derogatory this letter that I'm attaching to this complaint will verify that it's been paid please forward it to the this complaint and the letters to the credit bureaus all three of them
Product: Credit reporting or other personal consumer reports

While checking my personal credit report, which I acquired from XXXX, Transunion, XXXX. I noticed an unauthorized inquiry made by your company XXXX XXXX XXXX on XX/XX/2022. I did not authorized anyone employed by your company to make an inquiry and view my credit report. You have violated the Fair Credit Reporting Act Section 1681b ( c ). You are not legally entitled to make the inquiry. This is a serious breach of my privacy rights. I request that you either mail me a copy of my signed authorization form that gave you the right to view my credit within five ( 5 ) business days so that I can verify its validity.
Product: Credit reporting or other personal consumer reports

EQUIFAX what'S UP. I pulled up my credit report and noticed some alarming details. Under the regulations set forth in 15 USC 1666b, late payments linked to accounts identified as XXXX XXXXXXXX XXXX the late payments must be removed from my credit report. Furthermore, pursuant to 15 USC 1692g and in accordance with the updated Fair Debt Reporting Act ( FDRA ) guidelines, the account referenced as XXXX XXXX XXXX and is to be expunged from the report. Moreover, as per 15 USC 1681B and in adherence to section 604, all charge-offs must also be expunged from the report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit report, XXXX XXXX XXXX Bank is showing a credit card account late 270 days in a 3-month span. How is that possible when there are only 90-days in 3 months? 
It is ridiculous and hurting my credit score. 

Also, it's a violation of my rights for XXXX, Transunion, and XXXX to report late payments to my credit report without first contacting me, and second getting my permission to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called your department after I purchased a credit report with XXXX on XX/XX/XXXX. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that there were CHARGE OFF accounts on my credit report. This is disappointing because I have been paying XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time, as well as this incorrect information on my personal profile but still youre not taking any actions. One of your staff told me to write a letter and attach a copy of the identity theft report ( FTC report # : XXXX ). I have never with these accounts listed below, so please help me remove these charge off, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and Form 1040 for my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. XXXX XXXX CT XXXX XXXX, NJ XXXX, XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX CT XXXX XXXX, NJ XXXX, XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$64000.00}, XXXX XXXX Date Opened XX/XX/XXXX Balance {$20000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$130000.00}.
Product: Debt collection

NATIONAL CREDIT SYSTEM ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX Date Opened : XX/XX/2016 Balance : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The company self has violated the law and my consumer rights! I have mailed them with no response! 

Law 15 U.S. code 1666b is as states : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer no later than 21 days before the payment due date. 

They failed to mail me any type of letter stating my payment was due in 21 days thus the late payment for the account opened on XX/XX/2020 and closed on XX/XX/2020 have to be deleted.
Product: Credit reporting or other personal consumer reports

Despite providing documented proof of fraudulent credit card accounts on my credit report, including police reports and relevant correspondence, the credit bureaus has failed to remove these inaccuracies as required under the Fair Credit Reporting Act. I provided documentation proving that this account was fraudulently opened, yet XXXX XXXX and XXXX XXXX  has failed to remove it from my record. As an XXXX XXXX member, this neglect violates protections under the Servicemembers Civil Relief Act ( SCRA ). I request immediate action to remove these accounts. I have not only provided the required reports for removal I have also been stationed in Texas for XXXX years and was XXXX XXXX XXXX XXXX for the XXXX year in XXXX! I serve this country with my life yet these companies have no issues making it abhorrently hard to remove information as the are required to do my law.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I received an alert that there was a hard inquiry from a credit card company. I looked at all XXXX credit bureaus and this inquiry only appeared on Equifax. I called Equifax to report that I hadn't applied for a credit card from the company in question, and they told me to contact the company directly, which I did. The credit card company was not able to find any applications in my name, even though I provided them phone number, past and present home addresses, social security number and other details. They said that maybe Equifax had made a mistake. I called Equifax again and they stated that they definitely had a hard inquiry from the credit card company and they instructed me to contact them a XXXX time, which I did. Again, the credit card company confirmed that they had no applications from me. I called Equifax a XXXX time and they said I had to file a dispute with them, then file an Identity Theft report with the FTC, and send Equifax a letter, including the FTC report, my driver 's license, and my social security card in order for them to remove the hard inquiry. I sent all the requested information to them via mail and never heard back. I called them today and the Equifax agent told me that my dispute was rejected because my FTC Report Number was invalid since it didn't have a date on it. On the FTC Identity Theft website, it clearly asks you the date the fraud began and the date you discovered it, and they allow you to choose a month from a drop down box and a year. I filled out this information and put down XX/XX/2023. The FTC does not allow you to choose the exact day in their system. In my personal statement in the FTC report, I wrote down the exact date this happened, but Equifax is telling me that I didn't report any date. The agent told me I needed to get a police report now and redo the FTC report and submit everything again. I asked to speak to a supervisor at Equifax. The supervisor told me that the other agent was wrong, I do not need a police report, but the reason why my dispute was rejected was because my FTC report doesn't contain a date. It clearly has a date on it, however. The Equifax agent then told me that I have to contact the FTC and " get help '' filling out the form. I need to resubmit everything again, with a new FTC report and I somehow have to force the system to record the exact date, even though this isn't an option that I am given on IdentityTheft.gov website. Equifax clearly does not know what they are doing and they are making it impossible for me to get a fraudulent hard inquiry removed from my account. I am a victim of identity theft and this is frustrating.
Product: Checking or savings account

ON XX/XX/XXXX, IS THE ORIGINAL DATE OF WHEN I FIRST FILED WITH WELLS FARGO FRAUD DEPARTMENT. AN XXXXXXXX XXXX XXXX  XXXX WAS TAKEN OUT OF THE STREET MAILBOX LOCATED ON XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX. THIS RESULTED IN BANK FRAUD. THE PAY TO THE ORDER OF NAME WAS REMOVED XXXX XXXX XXXX AND IT WAS REPLACED WITH A NEW NAME XXXX XXXX XXXX AN XXXX WAS THEN ADDED IN FRONT OF MY PAYMENT OF {$260.00} THEREFORE CHANGING IT TO {$8200.00}. IT WAS TAKEN TO XXXX XXXXXXXX XXXX AND CASHED. I HAVE A COPY OF THE CANCELED CHECK FROM MY BANK- WELLS FARGO. XX/XX/XXXX XXXX POLICE REPORT FILED CASE # XXXX. FBI REPORT ALSO FILED. IT HAS NOW BEEN OVER 78 DAYS AND I HAVE NOT BEEN REIMBURSED FOR THE AMOUNT OF {$8200.00}. WELLS FARGO IS STATING THAT THEY HAVE TO WAIT FOR XXXX  XXXX XXXX, WHO TOOK THE ALTERED CHECK, TO GET FUNDS BACK BEFORE THEY CAN REIMBURSE ME. I CONTACTED WELLS FARGO FRAUD DEPARTMENT AGAIN ON XX/XX/XXXX BECAUSE I STILL HAVE NOT HEARD BACK. THEY TOLD ME IF XXXX XXXXXXXX XXXX CAN NOT RETRIEVE THE FUNDS, WELLS FARGO WILL NOT BE ABLE TO REIMBURSE ME. I HAVE THEN LOST {$8200.00}. WITH THE CURRENT COVID SITUATION GOING ON, BUSINESS HAS BEEN DOWN. IT IS VERY DIFFICULT TO KEEP MY BUSINESS GOING WHILE WAITING FOR REIMBURSEMENT. THIS IS A VERY FRUSTRATING SITUATION. ANY ASSISTANCE IS APPRECIATED.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this account ( Mid-Atlantic Finance ) with the creditor, as well as with the bureaus that are continuing to list this account. This account was closed years ago and XXXX is still continuing to show the account as open on my credit report. Numerous disputes have been filed and the dispute letters return back to me stating the creditor Mid-Atlantic Finance verified that this information is accurate. This information in NOT accurate. The account is CLOSED!!! Why are they continuing to list this account on my credit report as an open account. I demand for this account to removed from my credit report immediately or I will sue both XXXX and Mid-Atlantic Finance for failure to comply with the FCRA rules. Im tired of this. All this is doing is dragging my credit score down. The proof is clearly herethe account is showing as an open account. 

XXXX is also reporting just recently this month XXXX that the account has a negative status. No more reporting on this account should be taking place. Both you credit bureaus are continuing to report inaccurate information. Please stop immediately!!!! I will sue you for this defaming information. Remove it immediately!!!
Product: Credit card

Lowes, offered 20 % off on first purchase up to the maximum of {$100.00} when you sign up for their store credit card. I signed up and was offered the credit card. I made my first purchese of a washer and dryer. 

Did not receive the promotion. I called the store. Store told me to contact the credit card company. I did and was told to dispute the charge. Credit card company denied the dispute.
Product: Credit card or prepaid card

All of my credit card accounts were abruptly closed by Chase for an unknown reason and with no explanation. I have never been late on any promised payment schedule and have paid all of the accounts off except one that has a small balance and all payments are current with that. My complaint is ; Chase has turned into a bully and has reported that they closed all the accounts ( that is fine ) and then falsely reported that the accounts were settled for a lower amount. ( THIS IS FALSE! ) Chase is also claiming my credit score went down and posted a fake score of XXXX on their " credit journey '' using a score supposedly from XXXX XXXX  website. When I check my score with the XXXX XXXX website my score is XXXX. 

( From Chase ) - '' Settlement XXXX XXXX  It looks like your XXXX XXXX account was either settled on XX/XX/2021 for less than the balance or closed because you haven't used it in awhile. '' I have had a perfect payment history with Chase and for reasons that I don't know ; my accounts are closed and I am fine with that but I demand they remove ANY damaging reports regarding my previous accounts and update ALL THREE BUREAUS accordingly.
Product: Money transfer, virtual currency, or money service

XX/XX/2021 A refund was Initiated to Binance.US for the total of {$3400.00} I reached out several times to the customer service team. As of XX/XX/XXXX i was informed in an open chat by a Customer Service Agent that my ticket was never tended too. This is not good. I am in a Financial hardship and really need my funds fast.