23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I've been beyond harassed by this company. The company thinks they can interrogate, make snide remarks, and even threaten us with legal action. 

I'm disputing a charge from transferring from one apartment to another and when I communicated this, the women I spoke to treated me like an XXXX and declined to send over confirmation for the legitimacy of the debt She kept asking me about payment when I told her from the start that I am disputing the charge. 

I can not take any more harassment from the company representatives continuously calling me before 8am on my work phone without any regard. 

IQ DATA INTERNATIONAL customer service seems to forget what is going on in the world to belittle people who try to go by life day by day and make it through the hardships of a pandemic, they continue to add fraudulent interest charges on a collection amount that isn't valid, to begin with. 

This company is hounding me and making me feel guilty and scared that if I don't pay them they will cause havoc in my life for a debt that's not Valid. 

There are over 250+ lawsuits against this company and I've contacted them multiple time regarding an old lease. Each representative I spoke with gave me a completely different amount due and they do not follow fair collection practices
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there is still another account that needs to be UPDATED. The 3 credit bureaus must verify this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that this disputed account gets corrected. XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$57000.00}
Product: Checking or savings account

I logged into my e-mail this morning, XX/XX/XXXX and received a notification from XXXX XXXX that my payment was rejected and my account was frozen. I received no notification from Citibank NA that my account had been frozen since the XXXX of XXXX and my checks are being bounced and I am racking up late charges, which in turn is effecting my credit as well as my Husband 's credit. When I contacted the bank on XX/XX/XXXX, I was transferred to another department in which I was told that our accounts are under review, therefore the reason Citibank NA froze our accounts without notifying us and after one hour on the telephone, I was told Citibank NA mailed documentation to us on XX/XX/XXXX. I was then told we need to complete the same trust forms as I completed in XXXX of XXXX, during tax season.
Product: Mortgage

On XX/XX/2023, Mr Cooper, my mortgage holder was sent a payment specificly sent to be applied to my escrow account. This payment was to be applied to the escrow to reduce my mortgage payment due to an increase in hazard insurance that caused my mortgage to go up {$400.00} a month!! They used the money for the late payment. I can't put my escrow balance for the required holding amount onto the end of my loan if I do a workout plan. 

I don't understand how or why the can use they money how they WANT and not how it was instructed to be used and sent??? 

After my hazard insurance went up and I was dropped from XXXX XXXX after XXXX years, I have learned more about this than I wish. 

Hope you can tell me that they can't do this ....
Product: Debt collection

I believe that Chase bank may have sometime in and around 2009 sold my account and sold it to a 3rd party junk debt buyer who may have proceeded to take legal action against me and even though my debt with Chase had been paid in full, yet still the account had been sold to another 3rd party. I am not even sure if this account even belonged to me, yet chase negligently and deceptively sold my information to a 3rd party company and has continued to disseminate inaccurate information regarding my account to the credit bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I submitted an online dispute with TransUnion regarding the balance that was being reported on the XXXX XXXX ( XXXX XXXX XXXX ). However, I never stated that I did not recognize or was responsible for this account because I am an AUTHORIZED USER on this account ; I only requested to have the balance updated to show the accurate amount. Instead, without my authorization or approval, TransUnion has deleted this account from my credit report which has negatively impacted my payment history. 

Please add this account back to my credit report, immediately, Failure to do so is a direct violation of the FCRA. Additionally, please send me an updated copy of my credit report once this matter has been resolved.
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.

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 XXXX 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 informationisinaccurate.
Product: Bank account or service

A account I had with you company Account No. XXXX was closed on XXXX/XXXX/2014. Based on a malfunction of your machine that resulted in a loss of funds deposited. Because the only means that said account funds could be verified were by human count customer would be responsible for any shortcomings is misplaced. Nothing has been provided in regard to the existence of any account much less any mens rea towards impropriety. See Attached. As such this item should be removed from all reporting agencies immediately.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies on my credit report related to identity theft. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items. 
2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated.

3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case. 

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX XXXX XXXX ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 
XXXXXXXX XXXX XXXXXXXX XXXX ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA. 

Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft.

2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed.

3.Immediately block or remove all inaccurate information resulting from the identity theft.

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 

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

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

On XX/XX/XXXX a charge came in from XXXX for XXXX. I was charged XXXX for this transaction. I have been in contact with XXXX my account with them is currently on hold. Pncs reason for not refunding this charge is due to a refund given back in XX/XX/XXXX. {$36.00} is excessive for {$1.00} charge. I also believed I had an at work checking account and therefore would receive no charges such as monthly fees. For one month I fell below and was charged a fee of XXXX.
Product: Credit reporting or other personal consumer reports

ON XXXX, i sent letters disputing the inaccurate information they are reporting on my credit report, per 15 USC 1681e ( b ) states Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
all of the information is being reported inaccurately and incompletely, and i need the following tradelines deleted : 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

XXXX ; XXXX  and Transunion are reporting incorrectly lates on the XXXX XXXX account number XXXX. ( Please see page 4 of  the attached credit report. ) These student loans were deferred and consolidated and therefore should not be reporting on my credit report. I have contacted the ( 3 ) bureaus to remove this item, however I was unsuccessful. This incorrect reporting is harming my credit score and  these line items need to be deleted from my credit report.
Product: Checking or savings account

I requested for my XXXX direct deposit to be made by capital one bank in a timely matter and they failed to do so. It is now XX/XX/year> XXXX XXXX  EST and I have not received my deposits. They have broken a Federal law it and needs to be handled immediately. They arent answering the phones they arent sending update. Please assist with resolving this issue.
Product: Debt collection

I have submitted a police report dating back to XXXX of 2022 and a ftc multiple times in attempt to rectify this matter of identity theft in which XXXX and XXXX havent removed due to regional acceptance not honoring whats valid and should be removed from my credit.
Product: Mortgage

My mortgage is with Specialized Loan Servicing and the website I have always used to log in and schedule mortgage payments is https : //cmc.servicingloans.com/. 

Almost two weeks ago, the website stopped working. Sometimes the home page works and I can even go through the login process, but once my password is input and I click submit, it fails every time, and there's no information as to why. I have tried on my phone, internet explorer, chrome, on my company 's wifi and my home wifi. Nothing works and there is absolutely no information out there as to why. 

I do plan on attempting to find a contact number for this company on my work from home day this Friday. To date I have only managed to get someone to communicate to me through twitter, sadly. And I got the old promise someone would be in touch. No one has. 

I'm writing to you here today because I have been unable to schedule my next mortgage payment which is due on XXXX. Doing so over the phone requires a fee which I will not do since this is outside of my control. This is not the first time I have had issues with this company so I'm raising the alarm bells early. Prior to a refinance, they had my old mortgage, failed to pay my property taxes which resulted in a late fee that I ended up paying for. I was very unimpressed with everyone I spoke to trying to get that resolved. I was very disappointed when my new mortgage got sold to them. 

This problem, however, is by far worse. I am basically being blocked from paying my mortgage without incurring an additional processing fee, and that is not acceptable. I don't know what's going on, but I want it resolved before I am in a position where I am late on my mortgage payment. I have grave concerns about the fact I have to rely on them to continue to pay down my mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

What I thought was very old debt is wrong. The company that is reporting money not owed is from XXXX. That report is also false. The debt incurred is from a credit card receiving company that baited and switched their contract. I only did transactions using my own debit card to test their system and found flaws. They said it was a charge of XXXX XXXX  for each transaction with no monthly fee. That is where they lied. They charged me a monthly fee and I cancelled that account right away. I never received any emails or calls inquiring about that account after that. This is a new scam where they tell you there is no monthly fee and then just send it to a collection company, so it shows up on your credit report. As stated, I only did a few transactions using my own debit card. No other transactions were done from any other source.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have accounts passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXX XXXX Balance : {$1700.00} ; ; XXXX XXXX XXXX XXXXXXXX Balance : {$450.00} ; XXXXXXXX XXXX XXXX XXXX Balance : {$31000.00} ; XXXX XXXX XXXX XXXX Balance : {$16000.00} ; XXXX XXXX XXXX Balance : {$9200.00}.
Product: Debt collection

This collection agency currently holds XXXX accounts : XXXX, XXXX, and XXXX XXXX XXXX. XXXX was originally defaulted in XX/XX/XXXX-XX/XX/XXXX, while I was still in school, because I could not pay. XXXX was defaulted in XXXX, while I was still in school, because I had moved and could not pay. XXXX XXXX XXXX was defaulted in XX/XX/XXXX-XX/XX/XXXX, after I had tried to switch over to XXXX and XXXX XXXX XXXX told me I had to pay about {$400.00} to close my account, which I did. Then a week later, XXXX XXXX XXXX told me I had to pay an additional {$200.00}, so I did not. All of these accounts began to default in XX/XX/XXXX - XX/XX/XXXX. Enhanced Recovery has reported them fraudulently as XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to increase the amount of years these accounts can negatively impact me. I have not had any XXXX accounts since XX/XX/XXXX/XX/XX/XXXX. I have not had any XXXX accounts since XX/XX/XXXX, and I have not had any XXXX XXXX XXXX accounts since XX/XX/XXXX. They have also called me several times on weekends in a row using different numbers all leading back to their number if called back ( 10 calls within an hour, a few times a day ). They have also called my work and had the front desk forward their call as urgent to harass me at work - while interrupting a meeting I was having with some partners at the XXXX I work at and embarrassed me. During this call they also threatened me and warned me that if I do not call them back later that day there would be " consequences. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, According to my most recent credit report, your company is currently reporting to the three credit bureaus where I applied for credit with your organization. I do not recall granting you this authorization to review my credit report.

The Fair Credit Report Act requires that a creditor to be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from the three main credit bureaus.

The presence of this inquiry is adversely affecting my credit report and is impeding my ability to obtain the necessary credit. Time is of the essence so I would greatly appreciate a response from you within thirty ( 30 ) days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was checking my credit report and. THERE ARE SOME ACCOUNTS WHICH IS NEVER BELONG TO ME. THE INFORMATION IS NOT RELATED TO ANY TRANSACTIONS MADE BY ME. IT LOOKS LIKE SOMEONE HACKED MY PERSONAL INFORMATION. THESE ACCOUNTS ARE FROUD. IM SHOCKED HOW IT HAPPENED
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent disputed to Transunion and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Product: Credit reporting, credit repair services, or other personal consumer reports

And accordance with The Fair Credit act XXXX account name and number has violated my right XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 USC 1681 section 602a I have the right to privacy 15 USC 6181 section 2 604a also States a consumer reporting agency cannot purchase a account without my written instructions
Product: Mortgage

On XXXX, my spouse and I applied for XXXX Mortgage Financing for VRM property at XXXX XXXX XXXX XXXX Ca. We also submitted documents such as paystubs, bank statements, 2 Year Federal Tax returns, 1099 via VRM lending account portal. We were charged a {$92.00} application fee ( XXXX ). On XXXX we left several unanswered voice messages for XXXX XXXX. On XXXX, I contacted VRM Lending, LLC main office via telephone and submitted a complaint regarding XXXXXXXX XXXX XXXX  lack of response to my email requesting update on the status of my application. About an hour later, I was contacted by XXXX XXXXwho identified herself as the manager of VRM lending LLC XXXX She advised me that she would look into this matter and get back to me. XXXX XXXX and XXXX XXXX contacted me via conference call noting that I could only purchase as XXXX XXXXXXXX XXXX indicated this would change the terms and require 5 % down of contact price. She indicated it was due to property conditions that she could not disclose to me. I informed her that we were not made aware of this prior to applying nor does the listing state Investor only. She advised me to follow up with my realtor. Upon, further research and discussion with my realtor, there is no evidence to support her claims. I emailed XXXX and XXXX for evidence of why the terms changed and the outcome of my application-as we may be interested in other properties. As of this date, I have not received any response to my request. I truly appreciate the CFPB support in this matter.
Product: Money transfer, virtual currency, or money service

On XXXX/XXXX/18, i submitted {$24.00} USD/BTC through coinbase to XXXX for BTC. I was charged over {$18.00} USD in fees and i can not reach the coinbase or whoever charged me the fees. I have done transactions to XXXX before with coinbase and never charged so much. XXXX received only a little over {$5.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

This may be considered as a double complaint. I have been trying for several years both with my servicer and my attorneys office who processed my bankruptcy to have my mortgage payments report on my credit bureau. I filed in XXXX of XXXX. I was not aware that there were additional steps that should have been taken to be sure my mortgage was reaffirmed. I reached out to my attorney XXXX XXXX, XXXX XXXX XXXX, XXXX, IN XXXX and inquired as to why my payments were no longer being reported on my credit. I have also contacted my servicer XXXX mortgage with no progress from either party. This has caused me great hardship and has effected my ability to refinance my property. Im reaching out for assistance in having the mortgage servicer to report my on time payments. I have not been late on my payment since XXXX. Please investigate.