23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

Ive been trying to close my account for four months, over the phone with customer service, but they always hang up on me.
Product: Debt collection

IQ Data International Inc. claims that I owe them {$1900.00} and they have failed to prove validation of debt. There is also someone listed as a co-debtor and that person does not exist.
Product: Debt collection

COMPANY REPORTED A COLLECTION ACCOUNT FOR {$130.00} on my credit report for an account that is not mines. They have refused to try and resolve this or remove this off my report. all they say is they cant talk with me because its not my account. I called and they hung up on me 5 times.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX **** Balance Owed : {$350000.00} XXXX XXXX  **** Balance Owed : {$9800.00} XXXX XXXX  XXXX Balance Owed : {$1300.00} XXXX  XXXX XXXX Balance Owed : {$1200.00} XXXX  XXXX Balance Owed : {$10000.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$2700.00} XXXX XXXX XXXX XXXX Owed : {$190000.00} XXXX XXXX XXXX XXXX Owed : {$350000.00} XXXX XXXX XXXX Balance Owed : {$9800.00} XXXX XXXX  XXXX Balance Owed : {$1300.00} XXXX  XXXX Balance Owed : {$10000.00} SYNCB/PPC XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$190000.00} XXXX XXXX XXXX Balance Owed : {$350000.00} XXXX XXXX XXXX Balance Owed : {$9800.00} PROSPER XXXX Owed : {$10000.00} SYNCB/PPC XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$2700.00}
Product: Bank account or service

I need to dispute an item on my credit report, Chase Bank is refusing to give me my Checking and credit card statements.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC1681 section 602 A. States I have rights to privacy 15 USC1681 section 604 A Section 2. it also a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681 C. ( a ) ( 5 ) Section States : no copnsumer reporting agency make may consumer report containing any of the following items of information. Any other adverse item information, other than records of convictions of crimes wich antedates the report by more than 7 years 15 USC 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 information is inaccurate. I received a letter from XXXX XXXX, trucking company where they explain to me that my personal information was compromised on their system and they will pay a year free for XXXX that way I can check my credit report, I'm trying to find that letter but I missed but you can make communication with them and you will make sure some on toke my personal information amd I was seeing inquires on my credit report I never consent or allowed. Please check with XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX XXXXXXXX ) was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments 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 not later than 21 days before the payment due date. 


( XXXX XXXX XXXXXXXX ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I recently check my credit report and noticed some inaccurate unverifiable unknown fraudulent hard inquiries that I did not give permissible purpose I also provided proof of the hard inquiries and my ftc report as my proof an credit report shiwing the fraudulent hard inquiries listed below XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have no knowledge of Portfolio Recovery Services Acct # XXXX. This is still a violation of my FCRA rights, as I did not give consent to any debt collector. 15 U.S Code 1692 ( C ) ( A ) states I have to give consent to text, call or email from a debt collector and I have NOT. This is not a fair practice and my rights have been violated! I have attached screen shots below of unlawful contact. Also, under 15 US Code 1692 it states I have a right to privacy.

This is in direct violation, and I will sue under 15 US Code 1681N ( A ) ( 1 ) ( A )
Product: Credit reporting or other personal consumer reports

I am sending to formally request an investigation into the accuracy of certain accounts listed on my credit profile, which appear to contain errors. Under the Fair Credit Reporting Act, 15 USC 1681i, you are required to complete your investigation within 30 days. 
XXXX XXXX Balance : {$4.00}
Product: Credit reporting

Hi, Do n't know if these accounts are mine. Cant reach any companies by these names in Arizona. Accounts seem very old and odd : 1. XXXX XXXX XXXX Account # XXXX 2. XXXX Data # XXXX 3. XXXX Collections # XXXX Thank you
Product: Debt collection

Last XX/XX/2020 ... global lending services sent me a bill and it was for XXXX and something so I paid that thinking I had overpaid another month! They waited until the day after the 30th day to tell me I still had a balance of XXXX and something which I paid right away!!! I have begged them to take this off my credit since I have paid on time every other time. Please can you help me talk to them so this can be removed immediately thank you
Product: Checking or savings account

I had a bank account at Eastern Bank in Ma for almost 20 years. I moved to VA and have kept the same account for the past 4 years. I recently got a new position in a new company. I deposited my paycheck via phone bank app as always. This was on XX/XX/2024. They cleared {$200.00} of the {$2000.00}. The following Thursday, XX/XX/2024 they decided the check was fraudulent and withdrew the money out of my account. I called that day and they said that the check was flagged for being fraudulent. I have gone back and forth between the customer service department, fraud department, the actual bank location of my account and the corporate office of Eastern bank and still have not received my money back as stated they would on several occasions as well as emails. The check in question was cleared from my company 's bank. The funds have never been returned to my company 's bank and I still do not have fund in my bank account at Eastern. Eastern bank also closed my account! This has been going on since XX/XX/XXXX. All that has happened is Eastern bank keeps telling me they sent the funds back to my employer and my employer keeps telling me the funds have not been returned as of today. I have been going back and forth with the fraud department at Eastern Bank, my employer 's payroll department, and I even went to corporate headquarters at Eastern Bank, and I am still not getting any answers as to why they haven't returned the funds to my company so they can deposit a replacement paycheck to my new bank account. They also have not told me where my money actually is at this moment. It has been 5.5 weeks and I still have not received my money or response. I do not know what to do next to get my money. I have endured, late fees from my debtors, canceled policies and my credit rating is going down at a rapid pace. Is this something you can help me to resolve?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act ; XXXXXXXX XXXX XXXX  Account : # XXXX, has violated my rights. 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the accounts that are still reporting on my account : XXXX XXXX XXXX Balance {$24000.00} XXXX XXXX XXXX XXXX Balance {$2800.00} XXXX  XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX  XXXX XXXX Balance {$550.00} XXXX XXXX XXXX XXXX XXXX Balance {$600.00} XXXX XXXX XXXX XXXX Balance {$560.00} XXXX XXXX XXXX Balance {$1600.00} XXXX XXXX XXXX Balance {$1000.00} XXXX XXXX XXXX XXXX Balance {$460.00} XXXX XXXX XXXX Balance {$0.00} XXXX - XXXX XXXX  XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX  XXXX XXXX Balance {$130.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX  XXXX XXXX .... Balance : - ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any following items on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the following items which do not belong to me or were opened without my permission. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have called transunion numerous times. I would like these inquiries removed from my report immediately. They are on violation and I demand the inquiries deleted immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is misreporting the balance and status of a charge-off auto to TransUnion and XXXX. The account has been settled for less than the full balance, and is reporting to XXXX correctly with a {$0.00} balance owed, and settled.
Product: Credit reporting or other personal consumer reports

I have no choice in allowing Equifax to collect my credit information. To manage how my information with them is used, I have created an account at my.equifax.com. However, I am unable to enable multi-factor authentication for my account with them. Their FAQ/customer support page, as of XX/XX/XXXX, does not include any information about this. Their phone support did not have any information about this. 
The only related documentation of theirs I can find related to this is a business product : https : //www.equifax.com/business/product/secure-mfa/ They should offer XXXX protection for personal accounts. Especially after their XXXX data breach. The other credit information companies XXXX XXXX and XXXX ) offer this.
Product: Credit reporting or other personal consumer reports

Exorcism has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a responsible reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provide evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my right as a consumer.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX XXXX XXXX  ( Original Creditor : XXXX ) Account Number : XXXX and so on.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX have no other recourse but to file a complaint with the Consumer Financial Protection Bureau pertaining to an illegal collection process against me by XXXX XXXX. I did have a XXXX XXXX account back in XXXX, then I had to file bankruptcy. He XXXX account balance was placed in the bankruptcy petition. Now here we are 11 years later and XXXX has place an account on my credit bureaus that shows a {$390.00} balance on XXXX  and Trans Union, and a XXXX  balance on XXXX. The truth is, the account is so old that it has longed surpassed the legal timeline for actual reporting with the credit reporting agencies. It has long surpassed and collection remedy if one actually still exist, which it does not. Accordingly, XXXX is abusing my rights under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. XXXX XXXX is also violating its subscriber agreement with all pertinent credit reporting agencies, and the Consumer Financial Protection Bureau should sanction XXXX XXXX for such egregious and illegal collection activities. This account must be deleted permanently and my file information must be purged by XXXX XXXX so that this collection activity will no longer happen to me again. XXXX XXXX XX/XX/XXXX
Product: Debt collection

On XX/XX/2021 Rash Curtis & Associates made an inquiry against my credit report without my knowledge. They are a collections agency for a medical company who they represent. We have been in contact with the medical company for over a year now asking for some form of details billing instead of just a line item with a number on it and no amount. RASH CURTIS was never given written or verbal authorization to check my credit ever!
Product: Credit card

My vehicle and all belongings were stolen at one point. I did a police report, and they advised me to get ahold of all, my card holders banks, etc and they advised me to contact them and file a dispute. Any charges that were used, and so I did with the Cash app company and I let them know that everything has been taken, almost less than a month, maybe trying to dispute and tell them to look. Into it I have a police report, and my bank is telling me to call you guys, and they weren't helping me., And I asked to speak to a manager several times. I would be calling every day They did not help me, so I lost out on all that money, and they just said there was nothing they could do. I did want to speak to somebody live ; all they kept asking me was my information, but I could not ever get a hold of anybody
Product: Student loan

I attended XXXX XXXX XXXX, NY in XXXX. I have been paying on my loans for the last XXXX  years with interest rates keep raising. I am in good standing and owe {$3200.00}. 

I was signed up for private loans without an explanation of the type of loans. XXXX pressured to get loans out to remain in school. I am part of the group attendance discharge for XXXX XXXX and my federal loans were discharged.

It only makes sense that these loans should also be discharged based on the misconduct of the school.
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. 

Account Name : XXXX XXXX XXXX XXXX : Account XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX : Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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 information is inaccurate.
Product: Mortgage

I had an impound account with this lender and was making monthly taxes and insurance payments into the account. Unfortunately, the lender failed to pay my County Tax bill that was due on XX/XX/XXXX ( for {$2600.00} ). 

I tried contacting the lender twice on XX/XX/XXXX to discuss the issue, and both times was told that my taxes were not due, and that they did not fail to make the payment. After explaining the situation, they agreed to file an inquiry about the missing payment and said that I would hear back from them within ten business days. I never heard back. 

I've since sold the property ( on XX/XX/XXXX ), and have made the missing County Tax payment through my closing costs during Escrow - in the amount of {$2900.00} ( this was for the original {$2600.00} + a 10 % late penalty of {$260.00} ). 

I tried contacting the lender again on XX/XX/XXXX to request a reimbursement of the {$260.00} late penalty that I paid as a result of them not making the payment on time. The lender told me that they would file another inquiry, and that I should hear back from them within three business days. I never heard back. 

I contacted the lender again on XX/XX/XXXX for an update. I was told that the inquiry was closed on XX/XX/XXXX and that I would be receiving a check in the mail for the 10 % late penalty in the amount of {$260.00}. This check was never mailed. 

I contacted the lender again on XX/XX/XXXX for an update. I was told that the previous representatives that I spoke with about the issue did not fully understand the problem, and that a check was never mailed to me. They spoke to their supervisor, and told me that they needed to file an additional inquiry regarding the issue and promised to contact me within 48 hours with an update. I never heard back. 

I contacted the lender again on XX/XX/XXXX for an update. I was told that the inquiry was still in progress and that they didn't have an update available for me at this time. They promised to stay in contact with me and to provide updates as soon as they were available. As of XX/XX/XXXX I have not received any additional updates. 

I would like to be reimbursed for the {$260.00} late payment fee that I'm entitled to as a direct result of this lender failing to make my tax payment on time. I've tried contacting the lender six different times and the issue has now drug out for over two months without a resolution or any update from the lender.