23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Some collection agency named IQ Data International is reporting that I have a {$5400.00} collection account on my credit report for some kind of debt in the past. You can hardly get in contact with this collection agency, but when I have, I have expressed my doubt that I have any outstanding debts of that size. Therefore, I have repeatedly requested that IQ Data International send me a complete breakdown of the {$5400.00} they claim I owe from the creditor that they represent, along with an itemized detail of the charges that constitute the supposed {$5400.00} debt. But unfortunately, my requests for information to verify this debt have gone ignored for months. This collection agency refuses to verify this debt, but continues to report it on my credit report despite my objections. This puts this collection agency in direct defiance of the Fair Debt Collection Practices Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX Comenity capital XXXX and XXXX has violated my rights. 15 USC 1681 Section 602 States that I have the right to privacy. 15 USC 1681 Section 604 A Section 2 also stated that 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 any purpose.
Product: Credit card or prepaid card

i have had a fraud alert placed on my EPPICard from the state of NJ and i have been on hold with customer service for 3 hours with no answer from a service rep. i can not access the funds until the fraud alert is resolved -- yet no one is available to help me or answer my call. I tried to use the website but due to the card being locked, i am unable to utilize the website.
Product: Credit card

After my previous complaint Citizens Bank removed previous charges and interest but for no reason in a new statement charged {$3.00} interest on " purchases, '' which does not make any sense. No interest on " purchases '' should be charged!
Product: Credit reporting or other personal consumer reports

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following items : 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
Product: Debt collection

After receiving the letter of validation from XXXX XXXX XXXX. I've noticed that there are forgery and false information on this bill of sell. as for one that signature is not mine, as Ive stated in my affidavit my brother forged my signature but you overlooked that. Ive also sent in a letter from my brother with his ID attached apologizing to me that he has done me wrong, for which I've forgiving him for. and also on the letter of validation you had one address, then you stretched it out and put another address. that's forgery. Ive never staded at neither of these addresses my brother did, I never let know one know where I stay this is why he had to use his address because he did not know where I live. 
on the address you have XXXX XXXX XXXX I never stayed there but my brother did, you got XXXX or XXXX XXXX  XXXX, I've never stayed there but my brother did, you see all of this is leading back to my brother, this is why he is in prison now for theft and breaking and entering. therefore ive submitted documents to you numerous times, but you falil to see things in a different prospective. all I ask is for you to clear my name and go after the person who owe you money and that is my stepdaughter XXXX XXXX and not XXXX XXXX I would never co sign for anyone not even my mother, so why would I co sign for anyone else.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a credit report collection item dispute over the phone with Equifax. The dispute was for an old collection item that was related to identity theft by XXXX XXXX XXXX. To my surprise, Equifax penalized me for disputing the item and dropped the score 10 points! When I tried calling in to get assistance and request the investigation be cancelled, none of the 3 reps could verify my personal information. I called three times on XX/XX/19 and each time I provided my information the reps claimed they couldnt verify my report info! This is extremely frustrating and it should be illegal for them to penalize consumers for fixing items on their report.
Product: Checking or savings account

I contacted chime bank on XX/XX/XXXX livid because they closed my account after 2-3 years or longer banking with them receiving the same direct deposits. They claimed there was non compliance with Direct Deposits. 1st violation they closed my account with ZERO WARNING NO EMAIL NO CALL NO LETTER. After going back and forth they LIED and claimed to have mailed my checks for my spending account and credit builder account. On XX/XX/XXXX one of hundreds of employees because they outsource to XXXX claimed a check was mailed on XX/XX/XXXX. I requested a tracking number they can not give me one. Makes no sense checks were mailed but they have no tracking. One rep tells me a check was mailed another tells me if they have no tracking then they did not process the check so which is it? It is now XX/XX/XXXX and no check. I contacted XXXX and they have no packages in their system for my address. So chime has blatantly LIED about sending my funds. I have over 50 Emails going back and forth and have spoken to the same rep twice. They are providing false information to cover up whatever shady practices they are in involved in. I have my last bank statement so I am aware of exactly how much I am owed. I want my checks sent overnight with tracking to avoid this becoming a legal matter.
Product: Credit reporting or other personal consumer reports

I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reach out to Experian XXXX and XXXX XX/XX/2023 and XX/XX/2023 about accounts and collection I had no acknowledge of. I first dispute online and the report came back accurate. So I called the credit bureau to reopen the investigation and explain that the company in question didnt notify me of the debt and wasnt returning my call. I asked for the Investigation to reopen and mail me any proof of signature original contract or anything they had on file that shows me Im responsible for the debt. After about 15 days debt came back verify again through email but never mailed me a updated credit report or the proof that shows Im responsible for the debt. 

The debt in question is XXXX XXXX XXXX XXXX is {$6.00}, XXXX XXXX XXXX XXXX The amount is {$530.00} XXXX  XXXX XXXX Amount {$420.00} All dispute was updated again on XX/XX/2023 and doesnt give me the option to dispute again
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/2017 5 letter were drawn and sent certified mail to Experian, XXXX XXXX, XXXX, annual credit report and CFPB My Social Sercurity was incorrect and needed to be corrected with all credit report bureaus. 
XXXX  is the only Bureau that corrected the issue. 
It has been 6 months since letters and info was shared and I need to refinance my car and apply for a rental ... 
I need my SS # to be corrected within the credit reporting Bureaus so that I can move on in life. 
I do not know what else I need to to do, to get this done..
Product: Debt collection

I am a victim of Ideninity Theft. case # XXXX USAA provides me NO ADA ACCESS ON LINE or option of ACCESS. When I try to resolve Ideninity Theft by phone. I am sent to collections. When I ask for documentation of debt I am sent 1 ) MasterCard ending XXXX XX/XX/XXXX I do not recall ever having. Who ever did have data to this card CREDIT CARD DEBT STATUTE OF LIMITATIONS IN FLORIDA IS 4 YEARS This is a 6 year old credt card debt USAA ATTEMPTS TO COLLECT. 2 ) When I call to resolve I am sent to collections for a MasterCard XXXX DEBT DISCHARGED XX/XX/XXXX This debtor is no longer liable after XX/XX/XXXX AND THIS TOO IS PAST FLORDIA CREDITCARD COLLECTION STATUTE OF LIMITATIONS. When I call to resolve I am sent to collections on attatched 3 ) XX/XX/XXXX Collection Attempt on card ending XXXX I HAVE NEVER HAD There is never resolve with USAA and they break all laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife and I are trying to get a mortgage for a primary residence and the credit bureaus are reporting a bankruptcy on my credit report. I disputed this matter with all 3 agencies. XXXX  investigated the matter and removed the item. XXXX  states they investigated the same matter, stated it was accurate and will not remove it. I contacted them via phone, and they instructed me to contact the bankruptcy court. The clerk indicated that their investigation would involve matching signatures. However, that filing has an electronic signature that can not be verified to be valid. ( Please see my attachment from the federal court which does not allow electronic filing without permission from the court ) I then called XXXX again to explain my findings and again dispute this matter. I asked for the details of their investigation, a copy of the bankruptcy document which includes my signature according to Section 609, Fair Credit Reporting Act. They refused stating that they have no documents within their company detailing their findings. This was reported to them by a 3rd party and they would not reveal their identity or furnish proof. I explained that in 2017 I lived in NJ ( XXXX miles from Nevada ), I had NO debt that would justify a bankruptcy, nothing with my signature to prove the validity and this, coincidentally, is the year in which Equifax had a data breach. I also attached a report of 21 people, found in one search, named XXXX XXXX here in the US. I also offered the confirmation from XXXX  who also investigated and found this to be incorrect and removed the item immediately. The supervisor was determined not to furnish me with proof, the 3rd partys name or consider the facts I supplied even after quoting my rights under Section 609, FCRA. It is a statistic that 1 of 5 people have an error on their report. I have the opportunity the purchase this home for my family but may lose it due to credit bureau red tape and intolerance. Please Help!
Product: Money transfer, virtual currency, or money service

My phone was stolen from my vehicle in a parking lot when I went to lunch. The thief used my cash app to transfer funds of XXXX to someone with the tag $ XXXX. I have filed a dispute with cash app and my XXXX XXXX. I made a police report. I do not know the recipient of the XXXX. But, cash app has the information showing several transaction attempt to the same tag of XXXX XXXXXXXX but only XXXX went through and that was for XXXX. I did NOT make this payment. The thief did. Cash app is not responding to my calls with information about the dispute.
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require the XXXX Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 

XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX Balance : XXXX ; XXXX XXXX Balance : {$250.00}.
Product: Credit reporting

I XXXX XXXX states a complaint to the Consumer Financial Protection Bureau on a very poor reinvestigation by one of the largest credit reporting agencies. Even though I showed proof that my education loans were always in deferment and that the balances were eventually taken over by another service agency, I have never made one payment ever to the US Department of Education. This national agency was only operating as a credit reporting process after the initial procurement of the student loans. The loans were financed privately. Eventually the debt was transferred to another third party. This negative reporting is causing me severe financial hardship. The same credit rating states PAYS AS AGREED, while showing an immediately 90-day late payment status while the debt obligations were deferred from payments. This is highly discriminatory. I am a professional XXXX woman and I find this type of credit reporting to be racially biased and I have zero chance of ever refinancing with this abusive rating process. All credit reporting agencies have a responsibility to maintain the strict standards of not only the Fair Credit Reporting Act, the Fair and Accurate Credit Transactions Act, the Fair Debt Collection Practices Act, in addition to the high standards of equal rights protections such as the Equal Credit Opportunity Act. I believe that the Federal Trade Commission should have a full investigation on racial inequality when it comes to credit reporting processes and that all credit bureaus should maintain the sensitivity that is essential for fairness pertaining to matters of race. My previous complaint brought no action, even though the negative payment history must be deleted permanently. If I do not receive the proper reinvestigation by the credit bureau against the US Department of Education. I will proceed a complaint with the attorney general of my state residency. This improper reporting process is causing me hard financial hardship that can only be understood by minorities such as myself trying to better their lives through education, and working several full time jobs and raise a family at the same time. My credit report needs to have the negative payment history purged permanently.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to dispute the inaccuracies such as balance and account number, and dates reporting on my credit file with CBE Group, XXXX XXXX XXXX XXXX XXXX and XXXX. They have all failed to report accurate and complete information on my credit file after several disputes. I sent them a debt validation letter over 30 days ago with no response. Please help me investigate this matter, I am getting denied for a home loan because of this account and would like this matter resolved as soon as possible. I would like this account deleted while it is being properly investigated, as it has been approximately 90 days since the first and second dispute was submitted. They negligently and willfully violated the FCRA by failing to properly investigate the dispute or review the letters that were submitted. 

The case I have against them is that : The furnisher failed to conduct a proper investigation The furnisher failed to review all relevant information available and provided by me and the third party agencies and As a result I have suffered harm on my credit file and personal wellbeing. 

Thank you for your time.
Product: Credit card or prepaid card

I contacted Discover on XX/XX/XXXX about an issue that I am having with XXXX XXXX. XXXX added a chargeback charge to my account that I need more information on. XXXX claims that they refunded my Discover account for a charge in XX/XX/XXXX. However, I believe that this was reversed and I did pay that amount from that transaction. I need proof from Discover that either backs up that XXXX applied the credit to my account or documentation that states that they never provided a credit to my account. 
I informed Discover that I need this information in writing. Discover was unwilling to handle this issue in writing. I gave them my emails, I used the Discover Secure Message Center, and they also have my physical address to send written corespondents. Discover is unwilling to handle this issue in writing, but it is essential that it is handled in writing so that there is documentation that I can use if to convey the finding to XXXX. Please answer the questions. Thanks.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute medical debt 's listed on my credit report, which should be removed immediately based on the new rules finalized by the Consumer Financial Protection Bureau ( CFPB Regulation V ). This rule, which took effect on XX/XX/XXXX, states that MEDICAL DEBT must be excluded and blocked from consumer credit reports. 

Per Docket Number XXXX, The Consumer Financial Protection Bureau ( CFPB ) has issued a final rule amending Regulation V, which implements the Fair Credit Reporting Act ( FCRA ) XXXX U.S.C. XXXX, concerning medical information. The FCRA prohibits creditors from considering medical information in credit eligibility determinations. The CFPB is removing a regulatory exception that had permitted creditors to obtain and use information on medical debts notwithstanding this statutory limitation. The final rule also provides that a consumer reporting agency generally may not furnish to a creditor a consumer report containing information on medical debt that the creditor is prohibited from using. 

After reviewing my credit report, I noticed that it includes medical debt that meets the criteria for removal under the law. You are in direct VIOLATION of this law per the CFPB and FCRA.I am requesting that these items be promptly REMOVED and BLOCKED from my credit report. 

Details of Medical Debt : 1. Medical Collection XXXX XXXX XXXX XXXX Account Number : XXXX The FCRA prohibits creditors and/or Collection agency 's from using and/or reporting ANY Medical Accounts, Information, on consumer reports. PLEASE REMOVE AND BLOCK THIS INFORMATION WITHIN 4 DAYS. 

2. Medical Collection XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX The FCRA prohibits creditors and/or Collection agency 's from using and/or reporting ANY Medical Accounts, Information, on consumer reports. PLEASE REMOVE AND BLOCK THIS INFORMATION WITHIN 4 DAYS. 

This debt is a medical collection, and based on the new CFPB rule, I respectfully request that the entry be removed and clocked from my credit report. I have enclosed any relevant documentation and CFPB Complaint. 

Please investigate this matter and provide me with a written confirmation once the debt has been REMOVED and BLOCKED. If further documentation or clarification is required, please let me know. 

Thank you for your prompt attention to this matter. I look forward to your response.
Product: Credit reporting or other personal consumer reports

incorrect address on my account XXXX address never lived there please remove from account.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute a fraudulent collection account added to my credit report by XXXXXXXX XXXX XXXXXXXX. Recently, I contacted XXXX to dispute this collection ; however, I was only able to add a fraud alert due to the automated system. The automated voice system disconnected my call several times, preventing me from speaking with a live representative to resolve this issue. 

This collection account is fraudulent and should be removed from my credit report immediately. I filed a complaint with XXXXXXXX XXXX XXXX regarding this account, as it was opened as a result of identity theft. After reviewing the evidence I provided, XXXXXXXX XXXX XXXX agreed that my claim of fraud was valid. They confirmed in writing that they would remove the tradeline from my credit report. 

Despite this agreement, I now see that both XXXX and XXXX have added this account as a derogatory item on my credit file. Based on this trend, I anticipate that Equifax will likely add the account as well, which will further harm my credit standing. 

I have saved the letter from XXXXXXXX XXXX XXXXXXXX as proof that they acknowledged the fraud and agreed to remove the collection account. I expect XXXX to follow through on this agreement and remove the derogatory account from my credit file immediately upon receipt of this complaint.
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score ( XXXX XXXX XXXX Acct # XXXX ). In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Checking or savings account

I received a notification from USAA that said they would be closing and they were exercising their right to no longer do business with me. I was told that my account would stay open for 60 days and my funds would be sent via check after the 60 days. XXXX days later I was paid my monthly VA XXXX to that account and I have no access to it whatsoever. They told me that the account can receive deposits but I have no access to it. I am a XXXX veteran on a fixed income, this is my only source of income and this income is how I live. I have mortgage, bills, and I need to eat. I need my money to survive. I have banked with them for 15 years, they know better than anyone that this is my only source of income. I dont understand how they can be a military bank and tell a XXXX veteran that they can not access their own money that I earned through my service.