23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am requesting your help with this matter since I do not know what else to do to resolve an unfair issue with my credit. I have been a victim of fraud and had fraud charges on my account. I did not benefit or have any knowledge of these charges. I tried to solve this issue with SANTANDER CONSUMER USA by sending a letter ( XX/XX/XXXX ) requesting this FRAUDULENT ITEM to be removed. They did not investigate nor respond and also did Not even mark the account on my Credit Report as disputed. This is a violation according to the FCRA. This has caused lot of inconveniences. Please help me get my credit freedom back. I am requesting the following company to remove this fraudulent item from my credit report and also a DELETION LETTER. I will not hesitate taking this case to court if they do not remove this negative mark. SANTANDER CONSUMER USA XXXX. Date Opened XX/XX/XXXX. Original Balance {$10000.00}. Balance {$0.00}. Closed.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I reviewed my credit report from all three bureaus, and noticed that the report has credit inquiries that I did not authorize. XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX and XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are three accounts and two inquiries on my credit report that do not belong to me I have not signed or used or know what these accounst are for I need them off my credit report since they are not mine!!!! 

XXXX XXXX XXXX - Account XXXX Amt {$0.00} Date opened XX/XX/XXXX XXXX XXXX XXXX - Account XXXX Amt {$0.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX - Account # XXXX Amt {$0.00} Date Opened XX/XX/XXXX Inquiries XXXX Inquiry date : XXXX XXXX, XXXX XXXX Inquiry date : XX/XX/XXXX XXXX
Product: Credit card or prepaid card

I have reach out to XXXX XXXX multiple times at macys. He did not resolved anything.
Product: Checking or savings account

Chase bank decides to part way from me for absolutely no reason at all. I love this bank but after my account was negative for a few days which i had a deposit on the way they decide to terminate my account never letting me open a new one ever in the future.
Product: Debt collection

I settled a debt with the XXXX XXXX  on XX/XX/2017 with the then manager XXXX XXXX. I moved out of the unit, and out of state, a month prior. Upon communication with management, I returned on that day only to resolve the balance. I have check images showing the final payment signifying account closure that are not included on IQ Data International debt collection invoices.

Upon initial contact with IQ Data International, the representative was extremely abusive, vulgar, and threatening. Upon my request for documentation, IQ Data International went silent for years and I am only recently seeing a credit dispute affecting my personal credit.

After no response from IQ Data International, I followed up with the leasing property management directly who were able to furnish additional documents, however, showed varying amounts on all ends and the specific manager recalled our meeting but claimed ignorance of any events that took place. There was further evidence of modified invoicing due to over invoicing for several months that went unnoticed by management and myself. 

In conclusion, the XXXX XXXX  have proven to have inaccurate record keeping ( varying amounts and invoices between IQ Data International and themselves ), and have merely pushed the account to an abusive debt collector because they are owned by a large conglomerate real estate magnate.

Both companies show an incompetence in proper business practices and should cease abusive practices towards victim residents.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX {$8000.00} XX/XX/XXXXXXXX XXXX XXXXXXXX {$2500.00} XXXX XXXX XXXXXXXX {$1000.00} XX/XX/XXXXXXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX {$420.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX 15 U.S.C, 1681section 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 an 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 seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Transunion reported wrongful information of mismissed bankcrupt on my credit report but the court house said they didnt get the information from them and I have the letter from the court house uploaded with this complaint
Product: Credit reporting, credit repair services, or other personal consumer reports

Company refused to accept payment to close the account. Will not reply to my emails. Now they are reporting to XXXX  and equifax that I owe twice an much as the original loan amount and it shows charge off.
Product: Debt collection

Portfolio Recovery Associates has been harassing me for payments for almost a year when the account has already been paid & closed for years. 

- Many years ago I worked with XXXX XXXX XXXX to clear up my credit card debt and payed everything off in XXXX. 
- Last year ( XXXX ) I started getting letters from Portfolio Recovery Associates stating that one of the accounts was sent to them from XXXX because it wasn't paid. I disputed this claim but denied the dispute they continued to ask for payment. 
- Then I reached out to XXXX XXXX XXXX and they gave me statements to send Portfolio Recovery Associates people to dispute this debt again and I did but they denied the dispute again. 
- And then I reached out to XXXX XXXX XXXX AGAIN and this time they gave me copies of the all paid checks that XXXX deposited in XXXX. Showing hard core proof this was resolved. I submitted another dispute to Portfolio Recovery Associates and sent them the check copies and ... surprise, surprise ... they denied the dispute again. 
- And then ... I reached out to XXXX XXXX XXXX again and they suggested I clear this up with XXXX since they were the ones who accepted the payments. 
- And then ... I reached out to XXXX but said they couldn't help me because my account was sent to Portfolio Recovery for collections and had no more records of my account after that it was sent to collections. Dead end there. 
- So then ... I reached out to XXXX XXXX XXXX and they suspected Portfolio Recovery was doing something shady and said I should make a formal complaint with you, Consumer Finance to clear this up.

PLEASE HELP! 
XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Kindly eliminate these inquiries. I lack any knowledge on the matter, and the company proceeded without my authorization.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted an application online with XXXX Card on XX/XX/19. I was approved for the Card. However, I never recieved the card due to XXXX closing my account. I contacted XXXX on XX/XX/XXXX, XX/XX/19 and XX/XX/19 they stated that they couldn't verify my income within 5 business days of them submitting the card. Although I IMMEDIATELY completed the requested forms for them to obtain my income from the IRS. I was informed that due to the IRS not sending them the requested information within the 5 days that they had to close down the account. My credit profile took a hard hit for something that I had no control over. I submitted the requested paperwork for XXXX card  to get the information from the IRS AND YET INSTILL I'M BEING PUNISHED FOR SOMETHING THAT THE DIDN'T GET IN 5 DAYS. In which I had no control over. This hard hit and account sitting on my credit profile is hindering me from purchasing a home.THIS IS ALSO HINDERING ME FROM GETTING APPROVED FOR ANOTHER XXXX CARD.
Product: Student loan

Since XX/XX/XXXX I have been filing annually to FedLoan Servicing to recertify my loans for an income-driven repayment ( IDR ) plan. I was surprised this year when I received an email confirmation following submission of my annual certification that said the recertification was on hold until my current annual period expired. I received this email on XX/XX/XXXX, after having submit my recertification request approximately one week earlier. The email reads ( Subject line : " Your IDR request is on hold '' ) : " We will process your Income-Driven Repayment ( IDR ) recertification request once the final bill of your current schedule is generated on XX/XX/XXXX. Once we have processed your request, we will send a follow up email detailing your monthly payment amount or if we were unable to process your request. '' I intentionally submit my recertification 6-8 weeks in advance, because if there is any lapse in IDR the interest on my loans capitalizes. It appears that FedLoan Servicing has created a loophole that will result in a significant increase in people experiencing a capitalization of their interest due to a lapse in their IDR status. If there is any issue with your recertification paperwork and FedLoan Servicing needs to request additional documentation or clarify something, which oftentimes is the case, then this will automatically result in a lapse in IDR status. This is precisely why I build in this buffer time. If an individual with a loan is not aware of this detail ( that loan interest capitalizes upon a lapse in IDR status ), they will likely not respond to FedLoan Servicing to request that their recertification be processed ASAP, rather than waiting until their current IDR period is over. I immediately contact FedLoan Servicing to demand they process my recertification promptly, in order to avoid capitalization of my interest. I 'm so grateful for watchdogs such as the CFPB and wanted to alert you immediately to this very troubling issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am appalled by the ability of the Credit Bureaus to ignore my request of correction on my Credit report despite the multiple letters I have been sending to them. The last letter I sent to the Credit Bureaus was XX/XX/XXXX with complete attachments of my personal information but I see here that the Credit Bureaus have been ignoring my letters. I am submitting this complaint in response to the recent " investigation '' done by the Credit Bureaus. I do not agree with the result they present and I am requesting for the complete accuracy. I am not satisfied that enough was done to truly contact the creditors that report these information on my Credit file. I am submitting this complaint to ask that more information from the Credit Bureaus with regards with the the matter I am disputing. I need the following items in question to be COMPLETELY INVESTIGATED AND CORRECTED FROM ERRONEOUS REPORTING : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance Owed : {$3700.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$1100.00}
Product: Credit card

I had a balance due in XXXX 2016 of around {$30.00}. This amount was paid in Macy 's store and some returns I made to my account made up the balance owing. Since then Macy 's has charged my account with XXXX dollars in late fees and interest totaling more than {$300.00}. I also have made several returns on my account and Macy 's has used these returns to pay for their late charges and fees. I have made many requests for Macy 's to have a manager for several months now to call me but I have received no calls from a manager from Macy 's. On XXXX/XXXX/16 I again spoke with a customer service representative named XXXX ID XXXX and XXXX ID XXXX and asked both for a manager to call me but no manager from Macy 's has called. I was told that a manager would call me in 24 to 48 hours. I have held a XXXX and Macy 's account for more than 40 years and they have cut off my account.
Product: Credit reporting

XXXX XXXX reported false information about my account to Equifax Credit Bureau. It is a charged off debt that initially defaulted in XXXX. Therefore it should have fallen off my credit report already. XXXX reported an initial default of XXXX that is false it should have been in XXXX. XXXX credit Bureau has the proper information. I challenged the accuracy of the account in XXXX XXXX, and XXXX XXXX responded by stating that I was late 90 days and reporting a charge off. In XXXX XXXX XXXX XXXX XXXX reported that I paid or pays as agreed. In XXXX XXXX they reported another charge off. From XXXX of XXXX to XXXX of XXXX XXXX XXXX XXXX reported that I was making payments and or paid as agreed. That is inaccurate I have not paid any money to that company since before I could remember. I do not recall the last time I made a payment to XXXX XXXX.
Product: Credit card or prepaid card

I have a Fifth Third Bank XXXX, and paid off the entire balance on XXXX/XXXX/XXXX. My account has been overpaid by XXXX. I have called the bank at least 6 times, and each time I get a different explanation. To date the XXXX has not been received. I feel that this is unacceptable.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$220.00} XXXX XXXX  XXXX Balance : {$14000.00} XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX Balance : {$220.00} XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance XXXX {$220.00} XXXX XXXX XXXXXXXX Balance : {$14000.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$440.00} XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

Case file # : XXXX {$930.00} settlement amount {$350.00}. 


I have received several threatening emails. I have no knowledge of such loan made. 
The emails never state the original date amount or date of service.
Product: Credit reporting, credit repair services, or other personal consumer reports

FedLoan reported 16 student loans to the credit bureaus as each having late payments from XXXX - XXXX of XXXX. During this time I had a consolidation loan processing that held up my IDR application and was told verbally that the accounts would be placed in hardship forbearance since there was no way for me to pay such a high amount when I was unemployed at the time. I also stopped receiving emails about payment reminders, so I had no reason to doubt this was the case. Now I am looking to purchase a home, but because each of the loans ( now consolidated ) are showing as individual late payments it is severely impacting my credit and ability to get a mortgage. FedLoan is no longer in business and as such there is no way for myself or the credit bureaus to contact them to have this corrected.
Product: Debt collection

XX/XX/XXXX : A final payment of {$28.00} was sent to XXXX XXXX. 
XX/XX/XXXX : XXXX received the check BACK FROM XXXX XXXX! 
XX/XX/XXXX : Another payment of {$28.00} was sent to XXXX XXXXXXXX XXXX XXXX XXXX to XXXX XXXX, to ensure the payment was received and not returned. 

- I have copies of my XXXX Statements verifying all transactions. 
- I have a new statement from XXXX XXXX  indicating I have a {$28.00} credit. 

NOTE : I KNEW sending a check to XXXX XXXX  was a viable solution because during an earlier phone call with XXXX XXXX in which I tried to tell them I had sent them the {$28.00} payment, the representative actually looked at the Woman Within account to see if it had been credited to that account. It had not at that time ; so I resent the payment on XX/XX/XXXX. 

My credit report has been affected due to their error. The incessant phone calls for {$28.00} from Commenity Bank is ludicrous and verges on harassment.
Product: Credit card

I have contacted American Express several times in regards to enacting the Louisiana service members civil relief act. It is a law that that creditors and debtors must lower a service members interest rate to no higher than 6 %. Every time I contact American Express they do not know about the law and they do not Give me the proper interest rate. The Louisiana service members civil relief act in particular means that an XXXX XXXX military member stationed in Louisiana must have their interest rates lowered to 6 % or below. I have all the necessary and proper paperwork to provide.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM SUBMITTING A COMPLAINT REGARDING MY XXXX XXXX XXXX XXXX ACCOUNT WITH A XXXX LATE PAYMENT REPORTING. I DO NOT RECALL BEING LATE AS MY PAYMENTS ARE MADE ON TIME AND ACCORDING TO MY RESEARCH ON LATE PAYMENTS, DUE TO COVID 19 & THE HEROS ACT LAW, THESE XXXX LATE PAYMENTS SHOULD HAVE NOT BEEN REPORTS AND I ASK THAT THEY BE REMOVED EXPEDITIOUSLY. THE XXXX LATE PAYMENTS ARE FOR XX/XX/2022, XX/XX/2022 AND XX/XX/2022. I RECEIVED ACCOMMODATIONS BECAUSE OF THE ERRORS AND SINCE I HAVE BEEN GIVEN ACCOMMODATIONS THAT TOO IS A REASON THESE FALSE LATE PAYMENTS SHOULD BE REMOVED. THIS IS DAMAGING MY CREDIT REPUTATION AND I AM BEING DENIED CREDIT BECAUSE OF THESE MISTAKES.
Product: Vehicle loan or lease

I have a vehicle financed by Westlake financial. The vehicle was in a wreck ( not our fault ) on XX/XX/XXXX. It was not drivable and the police had it towed to XXXX XXXX in XXXX XXXX, La. It took XXXX weeks to get a police report so we could make a claim. XX/XX/XXXX we get a claims adjuster through our policy with progressive. XX/XX/XXXX we call XXXX XXXX  to release the vehicle. We were then informed the vehicle had been picked up by the lien holder! After numerous phone calls we find out where the vehicle is. We call them, XXXX XXXX, and told the vehicle had been picked up as a REPO! I didnt even have a payment due at the time. After HOURS AND DAYS of calls to Westlake and being hung up on more times than I can count, we finally get a release so progressive can get the vehicle to a collision center. XX/XX/XXXX the truck was deemed a total loss. XXXX then sends the info to Westlake to get a LOG to pay it off and we had {$1400.00} in repo charges! I have never in my life talked to people as rude as Westlake. Not XXXX person in XXXX speaking and the notes on our account seem to disappear and change based on each phone call. As my car was at the collision center, more than XXXX agent told us the car was in transit to an auction yard to be sold! I have spent more than XXXX hours a day multiple days trying to get a resolution to the illegal repo of my vehicle. Not XXXX person will even listen or understand. In order for my insurance to try to close this out, I paid the {$1400.00} in repo fees XX/XX/25.. Now we cant get anyone to send in an accurate payoff. This has been the biggest nightmare and is far from over. We have left numerous messages and have tried everything we know and it has been a dead end at every turn. They did advise that they could pickup and repo the vehicle with no notice to us and again this was not a non payment issue. They are claiming its an abandoned vehicle that was impounded. No..that is not at all what happened. Please help us in any way you can. This can not be legal and Im trying everything to not have to turn this over to a lawyer.
Product: Credit card

I wish to File a complaint with Discovercard! I recently file disputes with all XXXX credit reporting agencies about discover reporting Neg Info on my credit Files.. Each time each reporting agencies would reply back saying that discover had Verify the account as reporting correctly.. So I reached out to Discover to see if we could n't get these issues taking care of.. I went back to XXXX / XXXX to obtain Old bank statements. And found receipt and sent them to Discover and They fair to respond back to me. I also spoke with XXXX a rep at Discover XXXX XXXX XXXX XXXX to set up Payments he stated to me that they he would Give me interest free payments if I made all Payment 's On time until the Debt was Paid off. It was a deal that I could n't refused.. I agreed and excepted his off. I asked XXXX once the Debt was paid in full with No missed payment would and could He have the account deleted from all XXXX of my credit file. XXXX told me he would have to speak to a supervisor and placed me on hold. for a long while He came back on the Phone and advised me that I would need to finish sitting up payment info and agreements! once that was all done a lady By the name of XXXX got on the Phone and stated that she would have the account removed from my credit file once the account was paid in full and That the payments were not late. So i contact Discover after the account was paid in full ands no missed payments they claim that they could n't have the account removed. Discover I gave you my word and made all Payments on time and I expect for you to do the same. But I know they got the money and now its we did n't agree to this! I will contact and lawyer if discover DO NOT HAVE THAT ACCOUNT REMOVED FROM MY CREDIT FILES!