23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was initially notified by IQ Data International , Inc, regarding a bill that needed to be paid. I told them initially to not call me because I was receiving so many calls and that I was going to deal with the debt. They called again, repeatedly, but I did not answer because I already submitted my form of payment to the company. I received the payment back because I did not submit the correct zip code when I initially sent it. I reached out to my apartment complex again and she advised me the correct address to submit payment to, so I submitted my payment. I received a notice saying that the debt was added to my credit report so I called the company trying to explain what happened, but I was met with some of the most disrespectful and out right disgusting behavior from someone specifically by name of XXXX XXXX, if that is the persons right name. I 100 % assumed responsibility for the debt and did not have an issue taking care of the bill, but the number of calls is annoying. Before I could even explain she interrupted me and told me that the bill was valid, that I knew the bill was there. That I did it. Its my fault. at that point, that aggressive nature, essentially berating me sent me over the edge and made me extremely angry and led me to express myself. I tried to explain that the payment had already been sent, but she kept stating she was not going to update this to the credit bureaus and she doesnt have too. I tried to deal with another rep, but XXXX kept answering the phone stating I could not speak with anyone else only she was there and that she was not going to assist me with what I needed and that she is the only supervisor and that the next higher up is the President of the company. I called at different times trying to resolve my matter because I did not want the argument that she seems to be looking for with this ridiculous and outrageous behavior. I tried to pay the bill, but want the fair opportunity to have this taken off my credit. The rep advised, " I will not take this off and I do not have too because you cursed at me ''. Well this rep innapropriateley handled my business matter by crossing the line by questioning my integrity, I'm sure that is not ethical debt collection practices. Im sure in the training session their employees can not dictate what they can and will not do based off of personal feelings. I also never received a paper copy of the bill either. If i received a paper copy none of this would have happened because I would have had the correct agency to submit payment too.
Product: Credit reporting or other personal consumer reports

My complai nt is that equifax has not valadate my i formaton on my credit file other creditor or having troble a cessing .y credit repoet my social is XXXX date of birth XX/XX/year> address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I should have no collections or closed account or late payments. Any of the above mentioned are false ill attach and show all three reporting agencies are not matching info. Any collection charge off account was unverified. I also never consented to contract. I also opted out. This has been going on for over 6 months I dispute they refuse to accept. There are multiple of the same accounts listed which also unverified and not mine. Please refer to the privacy act of 1974, public law XXXX XXXX XXXX,15usc6802,15usc1681 permissible purposes, nonmailable address being shown on report please refer to privacy act1984,15usc1666 treatment of credit ,18usc1028 fraud and related activity ( i didn't consent to contract or give authority ) XXXX15usc1681c-2 ( a ) ,12usc1431,42usc408, ucc3-104, public law 73-10,31usc5118 HJR192, THE FAIR CREDIT REPORTING ACT 15usc1681sec ( b ) written consent ,6801,6802 ( c ) ,16cfr313 privacy of financial consumer info,16cfr313.2 purpose and scope ,15usc6802 opting out ,15 usc6508 inaccuracies reporting ( make my utilization 0 ) ,20usc1232g & 34cfr99 student loans, privacy act 1974 right to privacy. Its also not my duty to verify personal info on myself. My credit report should have ONE NAME, NO COLLECTIONS, NO CHARGE OFF ACCOUNTS, NO LATE PAYMENT. ALL HAVE BEEN PROCEN TO BE UNVERIFIED! Negatively effecting my credit score. Please fix immediately. Your acting in dishonor.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit report. This creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy 15 USC 1681 section 6 o 4 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 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 reporting or other personal consumer reports

I, XXXX XXXX XXXX XXXX XXXX, am filing this complaint with the Consumer Financial Protection Bureau ( CFPB ) against Equifax Credit Bureau due to their repeated violations of the Fair Credit Reporting Act ( FCRA ) in failing to delete fraudulent accounts and incorrect personal information from my credit report, as well as their disregard for identity theft protections and response requirements.

Despite two formal communications dated XX/XX/year>, and XX/XX/year>, Equifax has not complied with the law by failing to remove fraudulent accounts, incorrect addresses, and name variations from my credit report. I am the direct, sole correspondent regarding these disputes ; no third party represents me in this matter.

Applicable FCRA Sections Violated : FCRA Section 605C ( 15 U.S.C. 1681c-2 ( a ) ) Mandates that fraudulent information resulting from identity theft be blocked and deleted within four ( 4 ) business days of receipt of proper documentation. Equifax has exceeded this statutory timeframe, leaving fraudulent accounts active despite my repeated requests and all required documentation.

FCRA Section 611 ( 15 U.S.C. 1681i ) Requires that consumer reporting agencies conduct a reasonable investigation and notify the consumer of the results within 30 days. Although Equifax claims to have approved deletions as of XX/XX/year>, the fraudulent items remain on my report, indicating a failure to complete this process within the timeframe.

FCRA Section 604 ( 15 U.S.C. 1681b ) Limits the furnishing of consumer reports to entities with explicit consumer authorization. I have never authorized any of the listed fraudulent accounts, and XXXX reporting of unauthorized accounts violates this section.

18 U.S.C. 1028A Provides federal protections against identity theft. XXXX failure to remove the fraudulent accounts after being notified of identity theft disregards these protections and perpetuates harm to my identity and financial reputation.

Details of Non-Compliance : On XX/XX/year>, I spoke with an Equifax representative who confirmed that my dispute had been approved and that deletions were forthcoming. However, despite this acknowledgment, all disputed items remain on my credit report, which is a serious breach of my consumer rights under the FCRA.
Product: Debt collection

A single {$480.00} credit card charge to Cabellas ( Capital One Bank ) was overlooked by me, which was my fault. It was then turned over to a collection agency before I was aware of the past due account, which is also my fault because I put most of my payments on auto-pay. I received no phone call from Cabellas. The collection agency, XXXX XXXX XXXX XXXX called me, and after verifying the bill, I mailed them a check. They sent me a written notice ( attached with this complaint ) in XX/XX/XXXX that the account was paid and closed. Another collection agency, XXXX XXXX XXXX XXXX of XXXX, Virginia is now calling me in XX/XX/XXXX and XX/XX/XXXX demanding payment for the same paid account. They have refused to give me a fax number or email address so I can prove that I paid the account, but just keep calling to demand that I pay. The Cabellas credit card was closed by Capital One and this has probably damaged my credit. I will never do business with Cabellas again. I have good income, no credit card debt except what I pay off every month, and a credit score in the mid-700 's. I can withstand this abuse but I am appalled that a reputable firm like Cabellas/XXXX XXXX   allows this kind of behavior that could cause serious damage to those less fortunate than me.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 
This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously filed several complaints, upon review and in attempt to see responses I discovered that PRIMARY CONSUMER on all of my my complaints is LISTED AS  XXXX   XXXX . This is my EX WIFE, we have been divorced and living apart for nearly 4 years.To my knowledge she has never been associated with or responsible for ANY of my credit accounts or credit arrangements to include my home mortgage. WHY and HOW is this name attached to or affiliated in any way to MY CREDIT? I have never co signed on any loan with her, I am the sole signature on ALL my credit accounts NOW IN THE PAST or DURING our marriage. To my knowledge she has NEVER signed, in association with, or party to my credit in any way. How again, and why is she listed as primary consumer on my complaint and her name attached to my credit in any way? This is a GRAVE and SERIOUS ERROR. My previous complaint regarding reporting my home mortgage as an installment loan, and not dropping credit inquiries as they expire and in a timely manor to my knowledge and belief, has not been resolved and result or response to my complaint has not been received or conveyed to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent numerous written request certified to Equifax asking them to correct incorrect information on my file and they have ignored my request saying they can't verify it's me asking. Even when I have provided the necessary information. They select the information they want to update my file but never address or remove the erroneous or incorrect or positive information on my credit file. Recently according to a credit monitoring company XXXX, Equifax dropped my score by nearly 100 points and I can't get a copy of it free or otherwise to see why. I paid off an account with XXXX XXXX and opened another account immediately after and suddenly my score dropped. 
I tried to get a copy of the report on line several times including today but their systems keeps saying I already have an account but will not let me update or change the password. Can not open a new account called was on hold for 1 hour 20 minutes spoke to someone from one very far away with a bad connection very strong accent and was disconnect suddenly while trying to get a copy of the report.
Product: Debt collection

Portfolio Recovery ( https : //www.portfoliorecovery.com/ ) will not stop contacting me. I've talked to them roughly 20 times and have asked them to please stop calling my number as the person they're looking for either doesn't work at our school anymore, or has never worked here. I've spoken to supervisors, and customer service agents REPEATEDLY. They will not stop calling me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello yes contacted TransUnion do to unrecognized inquires due to there misreporting And their customer service would not help and take care of the negative inquiries reporting to my credit report. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Student loan

1. Navient m ade subprime loans to me, while attending  XXXX  University  XXXX   XXXX , a for-profit school. My loans include :  XXXX   XXXX  Subsidized  Lo  an- XX/XX/XXXX - XX/XX/XXXX  for a   XXXX   XXXX   degree at University   XXXX   XXXX  . {$8500.00} and   {$12000.00}. I was unable to find a job within the 6 month grace period. I let    Navient Solutions, LLC know. and they sent a collections company after me anyway, as well as said I defaulted on my loans. They never offered me any alternative ways to   pay.
Product: Debt collection

This account showed up on my credit report. There is no written or physical documentation that I signed saying that I will pay or owe Southwest this debt.
Product: Debt collection

On the XX/XX/XXXX, I came back from work when my kids told me they could not watched TV. I asked what happened, they said the TV was not working. Then I tried tot rouble shoot the TV yet it did not work. Then I called XXXX XXXX  why my TV, phone and Internet are not working, they said I owed XXXX that is why they cut off my services. I told them to immediately cut off my services from them. Which they did that day but they asked me to return their equipment to the nearest location to my house. I returned the equipment on XX/XX/XXXX. They send me bill of {$760.00} on XX/XX/XXXX which I said why this bill? They said is for XXXX and XXXX bills and termination fees. I told them why should I pay for XXXX when you already cut off my services. Should I pay for the month I did not use my services. I already have another provider since XXXX. Please I want you people to intervene. Why should i pay for the month i did not enjoy or use their services?
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope this letter finds you well. I am writing to bring to your attention a significant error in my credit report that requires immediate attention and resolution. Upon reviewing my credit report, I have discovered a collection account listed under the name of Fair Collections & Out, with the original creditor being XXXX XXXX XXXX, in the amount of {$21000.00}. I must assert that I am not responsible for this debt. I would like to emphasize that this collection account is a direct result of identity theft, as duly documented in the attached police report. This incident has caused substantial distress and inconvenience in my financial affairs. As per my previous communication with your company, this serves as my second notice regarding the matter. Under the provisions of the Fair Credit Reporting Act ( FCRA ), it is imperative that accurate and up-to-date information is maintained in credit reports. As a responsible consumer, I am fully aware of my rights and responsibilities in ensuring the accuracy and integrity of my credit history. In light of the aforementioned information, I kindly request that XXXX undertakes the following actions promptly : 1. Conduct a thorough investigation into the validity of the aforementioned collection account, considering the documented evidence of identity theft enclosed with this letter. 2. Temporarily remove the disputed collection account from my credit report during the investigation period, in compliance with the FCRA guidelines. 3. Provide me with written updates on the progress and outcome of the investigation within the legally mandated time frame of 30 days. 4. Correct any inaccuracies found on my credit report resulting from this erroneous collection account, once the investigation concludes in my favor. I firmly believe that the FCRA requires XXXX to act diligently in investigating and resolving this dispute. I trust that your organization will handle this matter with the utmost professionalism and adhere to the regulations set forth by the FCRA. Please acknowledge the receipt of this letter within 15 days of its delivery. I appreciate your prompt attention to this issue and look forward to a swift resolution. Should you require any further documentation or information, please do not hesitate to contact me at the provided contact details. Ive attached the identity theft police report for your documentation purpose. Thank you for your immediate attention to this matter.
Product: Money transfer, virtual currency, or money service

On XX/XX/2018, at what appeared to be a legitimate request by our title company in the course of a pending real estate transaction, two wire transfers of {$65000.00} each were received by a Citibank customer illegally posing as the title company 's escrow agent. 

Despite glaring inconsistencies in the name of the wire 's beneficiary, the beneficiarys address and reference data, Citibank failed to take simple and adequate measures to flag the suspicious acitivity and prevent this fraud. 

Furthermore Citibank did not act expeditiously nor according to industry standard policies, procedures and best practices, including sending a simple service wire back to one or both of the originating banks to request clarification due the inconsistent data ( before funds are made available to the account in question ), which would most certainly have alerted the parties to this illicit activity and prevented the fraud entirely. 

After nearly 6 days of activity, including depleting the account of funds through walk-up teller withdrawals, ATM withdrawals and large debit card purchases, Citibank finally froze the account in question and alerted the rightful beneficiary on XX/XX/2018. 

Despite the freeze, to add insult to injury, suspicious purchases continued to clear and debit the account for a number of days after we were notified of the scam. 

After nearly two weeks, on XX/XX/2018, Citibank finally returned just {$80000.00} of the original {$130000.00} to the originating banks representing an immediate loss of nearly {$50000.00} - in addition losses incurred as a result of the delayed real estate transaction. 

We promptly escalated the issue to the Citibank Executive Response Unit and requested a reimbursement of the balance of {$49000.00} that Citibank 's customer was able to leverage the institution to unlawfully obtain and withdraw. 

On XX/XX/2018, despite not taking adequate measures to protect my family and me as consumers, Citibank, citing a grossly out-dated provision of the Uniform Commercial Code, refused to take any responsibility, and alleged that no bank error had occurred. The bank informed us that it will not reimburse us for any of the losses sustained. 

Although it is assumed that Citibank possesses enough human and technological resources to address this increasingly common type of fraud, and it appears that there were significant oversights that enabled a bad actor ( a term used by Citibank security ) to use the bank to steal a significant amount of our money, the bank 's response has been nonetheless surprising.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. the list of account below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. Account name XXXX XXXX XXXX  # XXXX Account name : XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX  XXXX # XXXX Account name : XXXX  # XXXX Accoiunt name : XXXX # XXXX Account name : XXXX XXXX  # XXXX Account name : XXXX XXXX  # XXXX Account name : XXXX # XXXX Account name : XXXX # XXXX Account name : XXXX  # XXXX Account name : XXXX  # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX  # XXXX Account name : XXXX XXXX  # 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 : If also state a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681 c ( 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 1681 s-2 ( a ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable.
Product: Mortgage

I recently requested a payoff statement. I got the documents, followed the instructions and mailed my final payment via certified mail, to the address provided. XXXX weeks later the letter containing the payment was returned to me with a " return to sender not deliverable as addressed '' statement on it. It was the address they gave me.To complicate matters further they were in the process of transferring over from Rushmore loan management services LLC to XXXX XXXX. When I called the original number to straighten things out, it transferred me to an automated number under the XXXX XXXX company. It asked for my account number and social security number to verify my account and when I put my social security number in it said it didn't match the number they had on file. I tried it multiple times to no avail. I tried to talk to a representative but it wouldn't let me through without verification. Now my loan payment is going to be late and I have no way of contacting them to rectify the situation. I have XXXX  the company to get reviews on them and found them not to be a reputable company. In fact a lot of the comments i read where using the word scam artists.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX am writing because I recently received a copy of my 3 credit report, and I noticed the account was charged off and posted on my credit report : XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this on my credit report? NO I DID NOT. Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. Delete the above charge off from my consumer report, this agency is in violation of 15 USC 1681. Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking { {$1000.00} } per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations. 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]