23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Upon reviewing my updates, incorrect information was found in my reports. The 3 Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : 1. XXXX XXXX XXXX XXXX**** Balance : {$0.00} ; 2. XXXX XXXX XXXX XXXX**** Balance : {$0.00} ;
Product: Debt collection

A company named I.Q. Data International , Inc. is telling me that there is interest being charged on my account. They have added nearly XXXX dollars to a debt of XXXX. 

On XX/XX/2021 at around XXXX XXXX  I asked I.Q. Data International , Inc. why I was being charged interest that I had not agreed to. They told me that the " state '' is mandating them to charge interest. I asked them what state was mandating them to charge me interest, they would not name an actual state. They would only say " the state in which the debt was accrued ''. I asked them which state the debt was accrued in, and they refuse to tell me what state. 

My concern is that I am being lied to about a state mandating interest be paid. 

I am also wishing to find out which state is mandating it so I can work with that state to learn more of their policies and options.
Product: Prepaid card

I received an Amex XXXX XXXX. I validated the card and balance using XXXX XXXX XXXX, and was provided a balance of {$170.00}. I attempted to use this card on XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX - all transactions were at least {$1.00} less than the gift card amount of {$170.00}. The transaction was declined on all of the sites. I then tried again with various other amounts less than the full face value. 

Many people have reported having this problem starting this past year.
Product: Credit card or prepaid card

I received a credit card from CitiBank in the mail on XX/XX/22 but I did not apply for it. It is listed as XXXX XXXX but my name is XXXX XXXX. I called customer service immediately but their automated system does not have a way to connect to anyone. I end up just putting in the account number of the card that was issued and canceled it. I also asked for an email receipt of the cancellation but I did not get it. I don't know if any charges occurred or not but I never activated the card so I am hoping not.
Product: Debt collection

Ive contacted Capital One Bank on numerous occasions after I received a letter in late XX/XX/XXXX stating that I have a XX/XX/XXXX court date. I was notified that there will be an investigation of the Fraud Alert that Capital One rejected me twice. They stated that it was a false claim. The false claim is false. I just received a phone call from a young lady by the name of XXXX from XXXX XXXX XXXX today at XXXX XXXX CT. XXXX stated that I communicated with Capital One & XXXX XXXX XXXX back in XX/XX/XXXX. She said that I called for a hardship so that I wouldnt get my wages garnished. And she also said that I said I had hardship during Covid. Both claims are incorrect so I am waiting for a phone call from the investigation of that phone call where I allegedly said that I was affected by COVID-19 & needed a hardship. At the beginning of XXXX, I received paperwork and appeared to court on that paperwork date. The judge, on the XXXX court call, told me that there was nothing that I needed to do not & that basically XXXX and XXXX filed something to keep the case going. Im just highly confused because now Im being told that I asked for a hardship. The account is not mine. I asked for further fair investigation. And when I asked her to send me the statement that showed the {$2500.00} credit limit being exceed it to over {$3000.00}, and resulting in {$3500.00} with {$.00} balance. Upon asking, she told me there was an address of XXXX XXXX XXXX in XXXX, IL. Ive never resided at XXXX XXXX XXXX and Illinois Postal Service can back that claim. If I need to submit this, I would do so. I submitted a claim back in late XX/XX/XXXX on this platform. I was told that this account was pending investigation by XXXX and XXXX but instead, Wage Garnishment was the pushed objective from the company. The only other option discussed was 24-36 months of voluntary payments.
Product: Credit card or prepaid card

XXXX/Chase Visa advertises that it guards their card holders against fraud. I purchased a " ruby '' from XXXX XXXX XXXX XXXX in XXXX XXXX  on XX/XX/XXXX. I agreed to a payment of {$500.00} US Dollars. I even received an Appraisal Folio no. XXXX  signed by the Store Manager indicating under " Gemstone '' : # 1 - 8.5 cts - color Ruby ''.

Upon return to the states, I a jeweler indicated in writing that it is not a gemstone, but a " man-made stone ... valued at between {$20.00} and {$50.00} US dollars at the most '' I contacted XXXX XXXX about returning the stone and receiving a credit. I never received a response. I contacted XXXX  about the fraudulent purchase. They denied the appeal and upheld the charge as I had not returned the stone to the store. So, on that basis, I returned the stone to the merchant by certified mail ( another {$50.00} ) along with a letter demanding credit. I never received a response or credit. After I finally received proof that the stone had been returned to the vendor I contacted XXXX  again that I had returned the stone. Their response dated XX/XX/XXXX was that they upheld the charge : " While you may have a valid complaint with the merchant, the results of our additional review confirm that the transaction is valid and no billing error occurred on your account. '' This was an obvious fraudulent sale. I later discovered that there have been many complaints filed against this merchant, but they are still in business. As requested, I sent XXXX/Chase proof of the value of the stone. As they then were upholding the sale because I had not returned the stone, I paid to have it sent back and tracked it's return. And then XXXX/Chase turns around and indicated that it was a valid transaction. Now I am out the {$550.00} AND the stone which I returned so I could get credit from the merchant or XXXX/Chase.
Product: Mortgage

XX/XX/XXXX received notice of property tax delinquency. Mortgage company did not pay my winter taxes for XXXX from my escrow account. Phones and emails have not resolved the problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote Experian twice ( XX/XX/2018, XX/XX/2018 ) and challenged the accuracy and compliance of information on my credit report regarding a previous bankruptcy. I asked Experian to validate the following information regarding the item I challenged : 1 ) provide me with copies of documents bearing my signature, 2 ) provide me copies of the verification from the Bankruptcy Court itself. Experian did not comply with my request. I contacted the Bankruptcy Court, XXXX XXXX XXXX California, to find out how the Court verifies information to Credit Bureaus. The Clerk of the Bankruptcy Court replied and said the Court does not report nor verify bankruptcies to Credit Bureaus. Therefore, it is obvious Experian did not verify the bankruptcy information with the Bankruptcy Court. Based on the requirements of Fair Credit Reporting Act, I request that the Consumer Finance Protection Bureau inform Experian that Experian is not in compliance with the Fair Credit Reporting Act by not properly verifying bankruptcy information with the Bankruptcy Court. I request that Experian delete the unverified bankruptcy from my credit report. I have attached documents to this complaint.
Product: Mortgage

My mortgage servicing recently ( last 60 days ) changed from OCWEN to PHH mortgage services. 

I have not received statement just that I need to make a payment warning letter for more than I am suppose to pay, when I try to make a payment on line it wont let me, also they initiated a payment with out my authorization from info from past servicor. 

I have been disconnected dozens of times, I can not get any one to help, and fear I will get a mortgage late on my credit. Less than a year on the remaining term, they hang up on me and are trying to force me to pay double or they will not take my payment. They will not address my concerns and will not send me a statement in the mail. 

Please help they are trying to force me to pay wrong amount or ding my credit, the system on line does not work, I have tried many times to pay, as I write this I have been on hold for 140 minutes.
Product: Debt collection

On XX/XX/XXXX Barclay 's Bank Delaware secured a judgment against my brother in Alabama, for unpaid unsecured credit card debt ( {$2600.00}, last reported to us as *now* {$2700.00} ). 

On XX/XX/XXXX, my brother died. 

From about XX/XX/XXXX, my family has tried to rectify this matter as it now seems to impact properties our XXXX XXXX  owns in full and independent of our deceased brother. 

Calls were made to Barclays and/or everyone to whom they directed us in XX/XX/XXXX, several times in XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
These include calls to Barclays ( I assume collections agents ) XXXX XXXX ; XXXX, XXXX ID # XXXX, and others. 
Faxes were sent in XXXX several times in XXXX to provide ( identical ) information Barclays agents requested, and on XX/XX/XXXX, XX/XX/XXXX, and at least XXXX other unrecorded dates. Documents were also mailed. 

We were informed on a phone call that the account had been closed and cleared. We also received a letter from Barclays stating that the account had been closed after my brothers death. The title company states that a judgment against our brother 's estate remains. 

We have explained *in detail* the issues related to our mother 's properties, our understanding of the statute of limitations on Barclays ' effort to collect on this debt, and that our brother is dead. Barclays has resisted any corrective or productive communication, either in writing or on ( witnessed ) phone calls. Barclays has requested that the same document ( XXXX ) be submitted again and again, and then still taken no action. 

Barclays has sent no information and provided no guidance about how to get the judgment removed from XXXX XXXX XXXX solely ownedproperties. They have sent us in circles, from one department to another round and round and round.

Our contention is : 1 ) Barclays has no right to retrieve the debt based on the statute of limitations for collection.

2 ) Barclays has been intentionally uncooperative and unwilling to relieve even our XXXX  from an issue that is entirely unrelated to her.

3 ) Barclays has been intentionally and willfully uncooperative in relieving our deceased brother 's property from the property lien.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the following accounts from my file. 
XXXX XXXX Balance : {$2400.00} ; XXXX XXXX  XXXX Balance : {$360.00} ; XXXX XXXX XXXX : {$2700.00} ; XXXX  XXXX XXXX Balance : {$1900.00} ; XXXX XXXX  XXXX Balance : {$4800.00}.
Product: Vehicle loan or lease

I went to the dealership, XXXX XXXX, terms of the loan were for XXXX for 5 years at approx 10 % interest with one bank, for a XXXX XXXX XXXX XXXX, payments of around {$260.00} a month. I believe it was XXXX ( I have the terms in hard copy somewhere, just need to dig them up, which is why they are not attached now ), with the dealer paying off the remaining balance we owed with Santander Consumer USA on our XXXX XXXX XXXX XXXX XXXX. Santander kept calling me for approx 2 weeks after the deal was closed. I called the dealership to ask why the old bank had not been paid off, they said I needed to come in and talk in person. When I went in, I was told TWO WEEKS AFTER THE DEAL WAS DONE that XXXX had denied my credit application, and that I was being placed with Santander, at an interest rate of 19.5 %, pushing my payments form {$260.00} to {$310.00}, a {$45.00} difference. At the time I was working and healthy, which was back in XX/XX/2013, but now I am sick, in and out of work on disability, and have had the vehicle repossessed once already after coming back to work from XXXX XXXX XXXX. A {$45.00} bump in the payment each month is catastrophic, plus Santander keeps saying there is nothing they can do for me.
Product: Credit reporting or other personal consumer reports

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 



XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Checking or savings account

I have a recurring charge from XXXX XXXX that I've tried to cancel repeatedly. The business is in XXXX California, where I used to live, but haven't been since 2021. 

It's a gym and I've emailed, called and written to stop the charges. They did not reply. 

US Bank said that i could dispute a credit card charge but didn't offer any help because this is an XXXX withdrawal.
Product: Credit reporting

On all XXXX of my credit reports there is XXXX XXXX XXXX # XXXX which is shown in Adverse Accounts. I included this in my Bankruptcy which was filed XXXX/XXXX/15. That fact is not shown on none of the Credit Reports and I wish to change that on all XXXX.
Product: Credit reporting or other personal consumer reports

When I looked at my credit report this morning, I was shocked to see inaccurate accounts listed, and I cant understand how this happened. I check my report regularly, and this time, there were errors that just came out of nowhere. I even tried refreshing my browser, thinking it might be a glitch, but nothing changed. The incorrect accounts were still there. Im begging for a thorough review of the documents Ive provided so I can finally stop worrying about this nightmare.
Product: Checking or savings account

After the previous complaint filed yesterday, spoke with the branch manager again XXXX today. Now, were told for the 100th time they want additional phone numbers to verify check deposit again after already verified multiple times. Spoke with the owner of the company and hes explained the check has been verified on multiple occasions as well
Product: Credit reporting, credit repair services, or other personal consumer reports

I negotiated a settlement offer, " paid or settled in full '', with XXXX XXXX XXXX XXXX ( Collection Agent ) in the amount of {$2200.00} to satisfy a charged off credit card issued by XXXX XXXX XXXX. The original amount was {$3200.00}. The offer was accepted on XX/XX/XXXX by XXXX XXXX XXXX XXXX XXXX acknowledged the offer was accepted and " settled in full '' on XX/XX/XXXX. 

Both XXXX XXXX and XXXX reporting agencies show : " Account paid in full for less than full balance ''. However, Equifax reports a balanced owed of {$1900.00}. I've disputed the amount in XXXX, XXXX and in XXXX, XXXX. On both occasions, Equifax has indicated that I owe this amount based on feedback received from XXXX XXXX XXXX. In speaking with XXXX XXXXCollections Manager XXXX x XXXX, on XXXX, XXXX, XXXX and on XX/XX/XXXX she has been unable to provide a satisfactory answer or clear reason as to why this balance is showing with Equifax. I indicated to her that whatever arrangements or " splits '' XXXX XXXX XXXXXXXX XXXX may have with XXXX XXXX XXXX XXXX has absolutely nothing to do with my negotiated offer. 

I have attached supporting documents which clearly support my position. 

Respectfully
Product: Debt collection

This company repeatedly puts negative items on my credit report with different dates for an aleged medical debt. They are violating my HIPPA rights, they are using my non public information and I have no contract with them, and they are negatively affecting my credit score. The credit reporting agency XXXX know this because I have told them several times but they just say the debt was verified, by who, not me, where is the evidence that I owe Franklin anything?
Product: Debt collection

I was assigned my current home telephone number approximately XXXX months ago. Since the assignment I have received numerous unsolicited calls and XXXX put a stop on XXXX of them. However, Transworld Systems , Inc., a collection agency attempting to collect a debt has consistently continued to call me even after I have called them on XXXX different occasions giving my name and telling them they are calling the wrong number. Using their ID code XXXX they verified they are collecting on XXXX different people and my name is not among them. They promised to remove my number from their records again today XXXX/XXXX/16. I am sure I will continue to receive their calls since I have called them XXXX times before. Listing of calls : XXXX XXXX XXXX/XXXX/16 XXXX XXXX XXXX/XXXX/16 XXXX XXXX. XXXX/XXXX/16 XXXX XXXX XXXX/XXXX/16 XXXX XXXX. XXXX/XXXX/16 XXXX XXXX XXXX/XXXX/16 It is illegal to call after XXXX XXXX but they did
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is my follow-up to make sure that the fraudulent items in my file are deleted. The items that I am disputing have nothing to do with me or have an affiliation with my transactions whatsoever. 

Please remove the following items : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX CO XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$140.00} XXXX  XXXX Balance : {$130.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$600.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX
Product: Checking or savings account

I signed up for a checking account via a friends referral link for a {$200.00} bonus with a direct deposit of {$1000.00}. I completed the requirement and even received the email confirming this. I reached out to customer service on XXXX to confirm I would be receiving the bonus. They stated it didnt correctly process when I opened the account, but if I provided the link and name of the referring person that they would submit for consideration. They came back on XXXX and said its already been used and cant be used more than once which is a blatant lie. I asked them to respond with any proof of this in their terms or conditions, which cant provide. 
Per their terms and conditions below, Referral links can be used UP TO TEN TIMES.

Here are terms and conditions for the referring party : Existing Customers Referral Bonus As an existing customer with an open Rewards Checking account through Upgrade ( Existing Customer ), you can receive a Referral Bonus ( defined below ) after a New Customer ( defined below ) uses your unique referral link to ( 1 ) open a new Rewards Checking account by the date presented to you ( Offer Period ), and ( 2 ) complete three ( 3 ) eligible purchases with the Rewards Checking debit card within ninety ( 90 ) days from account opening ( a Qualified Referrall ). For each Qualified Referral, you will receive a referral bonus in the amount presented to you if the New Customer you referred opens a new Rewards Checking account by the Offer Period ( the Referral Bonus ).

Your unique referral link will be accessible in your Refer a Friend Dashboard. By sharing your unique referral link, you expressly acknowledge and agree that Upgrade may, in its sole discretion, disclose limited nonpublic personal information about you to any customer you refer for purposes of offering and servicing this Program.

You may see the status of any Referral Bonus in your Refer a Friend Dashboard at any time, including whether the Referral Bonus is still pending or has been credited to your Rewards Checking account. You must have a Rewards Checking account that is open and in good standing in order to receive a Referral Bonus for a Qualified Referral. You can earn a maximum of ten ( 10 ) Referral Bonuses from all Qualified Referrals in one calendar year.
Product: Credit reporting or other personal consumer reports

The late payment remark on my credit report is negatively impacting my XXXX score, and I am requesting its removal to ensure my credit profile accurately reflects my financial responsibility. Payment history accounts for approximately 35 % of my XXXX score, making it the most significant factor in credit scoring. A single late payment can cause a substantial drop in my score, especially if I previously had a strong payment record. 

This inaccurate late payment is unfairly lowering my creditworthiness and affecting my ability to secure financial opportunities, such as obtaining a loan or favorable interest rates. Additionally, lenders and financial institutions rely on XXXX scores to assess risk, and this incorrect remark could result in higher borrowing costs or even denials of credit applications. 

I am formally disputing this error under the Fair Credit Reporting Act ( FCRA ), which grants me the right to challenge inaccurate or unverifiable information on my credit report. If the late payment can not be verified or is incorrect, it must be removed. Furthermore, I am requesting a goodwill adjustment from the creditor, as I have a history of responsible financial management, and this late payment does not accurately represent my reliability.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XX/XX/XXXX my capital one card ending in XXXX opened in XXXX the account went delinquent, according to the FCRA an account May only stay on record 7years from original date of delinquency XXXX continues to report and deleted oldest pay history this keeping the account on my report On XX/XX/XXXX after XXXX couldnt resolve I sent it to capital one they returned a letter with no correction I sent yet another request on XX/XX/XXXX and again no resolution Im asking CFPB to demand that capital one delete this account from my XXXX bureau since the original delinquencies exceed 7 year period
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the XXXX mentioned stated below : My full name is : XXXX XXXX XXXX My correct date of birth : XX/XX/1987 My correct Social Security XXXX My correct address XXXX XXXX XXXX XXXX # XXXX XXXX, Michigan XXXX My employer is : XXXX Insulation Please correct this typographical information immediately as it portrays me as a person engaging in fraudulent behavior. Also please delete all telephone numbers that appear in my credit report, as I have been a victim of robo-calls. 
Please not that I have opted out in writing to your forced arbitration terms and am willing to seek legal relief.

Under Section 611 of the FCRA ( Fair Credit Reporting Act ), I expect you to delete these negative accounts and provide me with an updated report within 30 days.