23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 Section a Section 1 Section a : The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

15 USC 1681 Section 602 : States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

11 USC 362 Section c Section 3 : XXXX XXXX Bankruptcies must be dismissed.

15 USC 1681 Section b Requires that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information.

18 USC 894 : Using unlawful extortionate means is a violation.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I did not provide any authorization for this hard inquiry, and I am not associated with any credit application or transaction with the mentioned creditor on the date specified. As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute inaccurate or unauthorized information on their credit reports. 

I kindly request a thorough investigation into this matter, and I ask that you provide me with the results of your investigation. If necessary, please contact the creditor to verify the legitimacy of the inquiry. I also request that you remove this inquiry from my credit report as soon as possible. 

Enclosed with this letter, please find copies of supporting documents, including any evidence that substantiates my claim of unauthorized access. 

If there is any additional information required from my end, please do not hesitate to contact me Thank you for your prompt attention to this matter. I anticipate your timely resolution of this dispute, and I look forward to receiving written confirmation of the actions taken. 

Sincerely,
Product: Debt collection

I spoke with someone XXXX 2017 at Accelerated Servicing Group : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, him and I ( I believe XXXX ) made arrangements to pay {$100.00} a month, I told him I 'd call by the XXXX, if not I will for sure call by the end of the month. The company has called a few times already this month ( XXXX ) and when I called " XXXX XXXX '' I told him I was calling to make a payment, that my grandfather just passed away so that is why it 's later in the month ( but still before the end of the month ) He Immediately started raising his voice saying hm ok, you are no longer trusted to make the payments and the client wants to do automatic payments. I said no, what? what do you mean? I am calling by the end of the month. I did n't even get a chance to tell him I ca n't do automatic payments because I 've had so much fraud on my bank account and it worries me. He told me my credit was garbage and that is why I ca n't be trusted. What does my credit have to do with who I am? this " XXXX XXXX '' does n't know our story nor would he care and he treated me with so much disrespect. He than said I 'm not talking to you anymore, have your lawyer call me and hung up on me. How do I work towards making payments if the person who is suppose to be collecting the payments wo n't talk to me? I am now in the middle of calling the credit card company trying to see if they will take my payments or send it to a different collection agency because I DO WANT TO PAY IT OFF but I ca n't handle the belittling and bashing from this company because the situation is n't picture perfect. I have read numerous complaints about this company and they do not care how they treat people and the only reason they get payments is because they bully people and do n't treat them like people. DISGUSTING!!
Product: Credit card or prepaid card

I called and spoke with a women representative early in the day before XXXX   CST, around the XXXX. I was unable to resolve my issue with the representative about my login to my account issue. I tried to reset my account and my set up answer and password were not recognized. The BlueBird.com ( AMEX Corp ) representative told me she could not give me information over the phone even if she was directly speaking with me. It is very frustrating that my account username : XXXX could not login to add funds as a preferred than going to XXXX to add money. I intended to add only {$2.00} to test the card out to see if this Blue Bird prepaid card/account would work for me. So far, it seems very inconvenient, as I had hoped. Should my issue not be resolved with online account login and my original password and answer to my account security question can't be reset, it seems I wont be able to use BlueBird prepaid card and simply use a local bank.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, WA XXXX Subject : Formal Complaint Regarding Lack of Customer Service and Refusal to Provide Documentation Dear Sir/Madam, I am writing to formally file a complaint regarding the poor customer service I experienced with IQ Data International, Inc. on XX/XX/year>, at approximately XXXX XXXX. I am extremely disappointed with how my concerns were handled during and after my interaction with your staff. 

During the call, I requested a detailed invoice to address a reported debt. Instead of receiving assistance, multiple employees abruptly dismissed my request, stating, " Have your attorney contact us, '' before ending the call. Such a response was both unprofessional and dismissive, and it left me without the critical information I was seeking. 

When I attempted to follow up by phone and requested to speak with a supervisor, my calls were repeatedly transferred to other employees without resolution. It is highly concerning that a company would refuse to provide necessary documentation or a detailed invoice regarding a debt. This lack of transparency and refusal to address customer concerns is unacceptable and does not align with standard business practices. 

I am formally requesting the following : 1. A detailed invoice or documentation regarding the reported debt.

2. A clear explanation for why my request for documentation was denied.

3. Assurance that your customer service protocols will be reviewed and improved to prevent such incidents in the future. 

As a consumer, I have the right to access information regarding any debt attributed to me, and I expect IQ Data International , Inc. to adhere to ethical practices and relevant federal regulations, including the Fair Debt Collection Practices Act ( FDCPA ). Failure to provide documentation or adequately address my concerns may result in further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the XXXX XXXX XXXX XXXX XXXX XXXX, or pursuing legal remedies.

I would appreciate a prompt response to this matter and expect to receive the requested documentation within 14 days of the date of this letter. You may contact me directly at XXXX or XXXX if you require additional information. 

Thank you for your immediate attention to this matter. 

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

I have made substantial payments on my credit cards over a month ago with no change to my score. My issue is with XXXX, XXXX and TransUnion my score has not changed until today but it still has incorrect balances on both cards, my score went up 35 points but it still says my balance is 90 % of usage, which is false. I made a payment of XXXX dollars on my XXXX  XXXX card on XX/XX/2020, followed by another payment of XXXX on XX/XX/2020 this card number ends in XXXX. The amount used is XXXX dollars on my credit report it has said XXXX dollars which is over 90 % of usage which is false. My second card dispute has a blance of XXXX dollars yet it said I have used over XXXX which is also false. I am trying to buy a home yet XXXX  and Transunion are not helping me resolve this issue. Thank you attached are my current account balances for both XXXX  XXXX cards with the amount available.
Product: Credit reporting, credit repair services, or other personal consumer reports

Innovis responded to a previous complaint submitted regarding a XXXX account with investigation results for a XXXX account. This shows the lack of proper investigation when XXXX account was originally disputed. I have attached new information to further illustrate how the XXXX account has continued to report inaccurate information further extending the date of removal. Innovis reports that the date of removal will be XXXX, while information reported to the credit bureau XXXX states removal will be XXXX. Which one is it if XXXX is certifying the account information is 100 % correct to each credit bureau? The account should also not report a continuous history after it is charged off. I would like for INNNOVIS to complete a thorough investigation into this account and not mix the account with another and use it as the final investigation results.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm unable to temporarily lift the credit freeze on my Equifax account. The website claims that we should be able to do it on the website but every time I login, I see this message : " EQUIFAX CREDIT REPORT STATUS We are temporarily unable to retrieve the status of your security freeze. 
Please try again later. '' I've had this freeze over a year and every time I go to their website, this is what I see. 
Their second option was via phone and I've been able to temporary lift the freeze this way in the past but today I'm not able to do it because of a problem with their XXXX not being able to understand the response to the security questions. I've tried multiple times and was not successful. 

When you try to lift a security freeze on the phone with Equifax, it will prompt you for your SSN and address which the XXXX was able to recognize my response when I punch the numbers on the phone. When they start asking personal questions about your credit and allow you to answer them with XXXX to XXXX. The XXXX keeps saying " The didn't get a response from me '' regardless of me entering the number and # for the answer or saying the answer. 

Then there is no way for me to reach an agent to unfreeze because when you call equifax, it just keeps routing you to the automated system. 

These are the XXXX numbers, I've called Equifax to do this : XXXX and I also tried calling this number : XXXX
Product: Debt collection

I became XXXX and unable to work due to my XXXX XXXX XXXX after serving 23 years as an XXXX. I received compensation from Social Security Disability, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX ( XXXX ). The income is tax free and under most cases not subject to normal garnishment. However, since AAFES ( Army Airforce Exchanges /Post/Base Exchanges ) do business on Military Bases around the world by Civilian Contractors they claim that unpaid debt to the Military Star Credit Card is secured by the XXXX XXXX XXXX. XXXX allows any unpaid debt to be paid from Federal Tax Refunds. 

I attempted to contact XXXX by phone to determine if my XXXX tax refund was to be garnished. The person had no information about the COVID-19 exemption and stated that my last garnishment from my Social Security Disability was made in XX/XX/XXXX in the amount of {$220.00} that started in XX/XX/XXXX. I had made 5 payments totaling {$1100.00}. Then my XXXX tax refund of {$1800.00} was garnished as well. {$2900.00} has been collected by XXXX and my offer to settle the debt for the money already received {$2900.00} was denied and a counter offer of {$4000.00} was made. I told the person to get bent and that I would not pay anymore.
Product: Vehicle loan or lease

bought my car in XX/XX/2022 from Driveway.com. I reached out several times to the comps because the car was damaged upon delivery. They ignored me and finally responded after my return window had expired. It is now XX/XX/2022. My car is still not registered. Ive emailed, talked with their escalation team, and my state attorney general. Theyve sent several POAs and Ive sent them back. Each time I call for an update they cant give me an answer. They tell me if I get pulled over to show proof of purchase which doesnt even look legit. I was pulled over XXXX because my temp tags have been expired since XX/XX/2022. The temp tags were only good for 10 days. I have stopped paying on the loan since I can not XXXX XXXX the car legally. Its sickening that I bought this vehicle and cant even drive it!!! I have no transportation due to this company!
Product: Credit reporting or other personal consumer reports

Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureaus failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. Accounts : XXXX XXXX XXXX and XXXX XXXX XXXX XXXX ; Inquiries : XXXX XXXX  Inquiry Date XX/XX/2023, XXXX XXXX  Inquiry Date XX/XX/2023, XXXX Inquiry Date XX/XX/2023 and XXXX XXXX  XXXX XXXX XXXX XX/XX/2023
Product: Credit card

I made a significant OVERPAYMENT of {$1700.00} on my account BY MISTAKE on XX/XX/year> and the company is refusing to return the over payment. 

My balance due at that time was {$1700.00} for statement period XX/XX/year> - XX/XX/year>. I paid {$1700.00} received on XX/XX/year>, due on XX/XX/year> and an ADDITIONAL MISTAKEN payment of {$1700.00} in haste received on XX/XX/year>. This left a credit of XXXX by mistake. 

The credit balance was shown on my following bill statement period XX/XX/year> - XX/XX/year>. 

As soon as I realized I had made the mistake the first week of XXXX I contacted the company - to request a return of the OVERPAYMENT. I have made at least 8 calls over a period of 5 weeks since, with the final call this evening. This has caused a hardship for me. 

I have spoke with at least 4 supervisors. Each time I am given a reason why it was not returned and assured it was going to be straightened out. I was given two case id 's from the company, after being assured each time it would be addressed and how it was to be addressed. 

When I initially called I was assured a paper check was to be sent to my home. When the check did not arrive, I was then assured a return of funds would be issued directly to my checking account ( after verifying my checking account number and routing number where the overpayment was made ). And, then again, when that did not occur, I was then assured the company was going to send me a paper check again. 

This evening I called to followup on the status of the return overpayment paper check ( based on my call just yesterday ) and again was given another reason why the payment was not returned, -- in direct contradiction to what I was told yesterday. 

In summary, the supervisor tonight told me that they can not return my overpayment because I paid via BILL PAY through my bank ( as I always do ). My bank used a third party processor and so they do not know who made the payment. This is absolutely ridiculous when they have my bank accounts also on file, not to mention each check can always be traced back to a bank account WITH AN OWNER NAME! 

Tonight I insisted a 2nd level Manager call me and again have requested the calls be reviewed. I began calling the first week of XXXX when I realized what I had done in error. If this was an over payment for a small amount I would not care. It is a large sum of money. Now that they have intentionally withheld my over payment I am reporting the company for malfeasance and hardship. 

I am requesting assistance and mediation.
Product: Credit reporting or other personal consumer reports

As of XXXX, upon review of my most recent review of my credit profile from XXXX XXXX and Equifax, I have found a few inaccuracies listed. On Page 9 of my attached credit report listed concerning a XXXX XXXXXXXX XXXX account, XXXX, XXXX and Equifax have conflicting LAST REPORTED dates. DATE LAST ACTIVE is also inconsistent across XXXX, XXXX and Equifax. The PAYMENT HISTORY for XXXX is also inconsistent across the said three credit reporting agencies for the same XXXX XXXX XXXX account. 15 U.S. Code 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. This is because 15 U.S. Code 1681 ( a ) ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Therefore 15 U.S. Code 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. The results of these inaccuracies have caused my self and as a result, my family, discrimination, pain, duress among other forms of mental discomfort. Consequently, due to the grave inconsistencies XXXX, XXXX and Equifax should immediately remove this XXXX XXXX  XXXX account from my credit profile to reduce the personal harm they have caused. XXXX XXXX - Without Recourse.
Product: Debt collection

I do not know who they are trying to contact and have advised them to stop calling my number so they use a local telephone number to make it appear as a local person is calling.
Product: Checking or savings account

On XX/XX/ I sent a XXXX payment from my bank, Ally Financial, to XXXX XXXX. On XXXX I received an email from Ally saying they XXXX payment failed. The funds have not been returned to me since. I contacted Ally on XX/XX/ asking when the funds will be returned. I have been contacting them every couple days since that time to get an update.
Product: Checking or savings account

I was informed on XX/XX/2023, that my checking and savings accounts with JP Morgan Chase are closed. There is a remaining balance of {$27000.00} in my checking and {$1300.00} in my savings. They said it was because of suspicious activities but did not say which activity they flagged as suspicious nor give me any opportunity to explain. It has been two months, and there has been no investigation or communication with me regarding the issue. I also did not know when I could hear from them regarding the check. I will be happy to explain what each transaction is about, and I have been a customer with Chase for over ten years. I have been calling Chase every other week to check my account 's situation but have heard nothing back. This is my only bank account, and now I have to borrow money from friends and family to pay the mortgage and living expenses. It is very frustrating that they are closing my account for no reason, and I have no idea how long my money will be held.
Product: Payday loan, title loan, personal loan, or advance loan

in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Checking or savings account

XXXX. This concerns the closing of a Business Checking Account at Chase Bank. The account number was # XXXX under the name XXXX XXXX XXXX XXXX, XXXX # XXXX. 
XXXX. On or about XX/XX/year>, I called Chase for assistance in closing the account. The reason is that the business is no longer active. There was a small amount of funds in the account ( {$25.00} ), which I requested be transferred to my personal acct. at Chase. The Chase representative advised that the funds could not be transferred and they would have to issue a check for these funds. 
XXXX. In fact, I did receive a Chase cashier 's check for {$25.00} made payable to XXXX XXXX XXXX XXXX. However, when I took the Chase cashier 's check to a local Chase branch to cash or for deposit into my personal account, the branch advised that it could not cash or deposit the check because XXXX XXXX XXXX XXXX did not have an acct. at Chase. The Chase XXXX advised me to call the Chase Business dept. to reissue the Cashier 's check in my personal name. 
XXXX. On XX/XX/XXXX, I spoke by telephone with XXXX individuals at Chase on this issue ( over a 45 minute period of time ), the last such person by the name of " XXXX ''. I was advised that the matter needed to be " escalated '' but that I would hear from someone within 1-2 business days. 
XXXX. No Chase follow-up occurred. So I followed up with Chase on XX/XX/XXXX. I spoke with someone named " XXXX '', who transferred me to someone name " XXXX '' who in turn transferred me to someone name " XXXX ''. 
XXXX. XXXX advised that it could not re-issue the check. The only solution was to go back to a Chase branch, re-open an account in the name of XXXX XXXX XXXX XXXX, negotiate the check, and then close the account. However, XXXX XXXX XXXX is no longer active. XXXX then " apologized '' but advised there is no solution at Chase and ended the call. 
XXXX. This is a very, very, very small matter ( {$25.00} ). But it is also a problem of Chase 's creation where ( a ) they issue a check rather than transfer the funds to my personal account as requested and ( b ) now decline to honor the cashier 's check which they issued. This seems to be extreme bad faith on the part of Chase Bank. 

Can you assist? Thank you.
Product: Debt collection

I wrote a certified letter with return receipt requested to Plusfour, Inc requesting that they send me any document to indicate that I obtain service at XXXX in the amount of {$420.00}. The return receipt indicate a receipt on XX/XX/2016. Upon this complaint, I have not received any reply and as a result, this inaccurate information is on my credit report and has caused me to be denied loans causing financial difficulties. I have complied with notifying the appropriate collection company ( Plusfour , Inc. ) with this inaccurate debt and they have failed to respond within the allotted time and without providing any due process.
Product: Student loan

Education Department unlawfully shared financial aid datasets with the Department of Government Efficiency, that included students names, Social Security numbers, dates of birth, contact information, demographic information and bank account information.

Releasing student loan borrowers personal data is an incredible betrayal by our government.

I do not have even basic information about what personal or financial information are sharing with outside parties or how their information is being used.