23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This company IQ Data international inc. violated my rights by placing a debt on my credit report and I was never notified by this company due to the fact that I never lived at my apt in two years. I called an was told that, I owe {$680.00} dollars. I told them that they didn't have the right to put this on my credit without proper notice I was told they tried to contact me at my address. I asked what address an they gave me the same address that I never lived at for two years and I was told they had proof I gave my notice an also pictures of the apt they said I left damaged behind. I informed them that, I have pictures of proof that I left a clean apt . When asked them to send me proof I was told no! This company lied an didn't provide be proof. My next move is court with my lawyer this was not handle professional by this company. The Fair Credit Reporting Act requires certain lenders to send a notice before reporting negative information to credit reporting agencies. The FCRA says this notice shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency. I was never notified when I moved out my apt at all. This was placed on my credit report XXXX I moved out in XXXX. This company needs to remove this from my credit report due the fact I was never given a notice at all to dispute these false debts. I'm requesting that they show me they contacted me with the correct address an not a 2yr address with proof of damages.
Product: Credit reporting or other personal consumer reports

I am filing this FTC Identity Theft Affidavit to report fraudulent accounts appearing on my consumer XXXX credit report which I do not recognize as reported and which are the result of identity theft and fraud. These accounts are XXXX XXXX Collection agency account number XXXX opened on XX/XX/year> which has been Banned by the FTC and XXXX XXXX account auto loan ( Account XXXX ), have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Debt collection

I am submitting these complaint regarding the unlawful debt collection practices by several lending institutions, including ( kohls capital, XXXX XXXX XXXX XXXX  ) These institutions have engaged in illegal activities related to fraudulent debt collection and repossession efforts. After thorough investigation and consultation, I have reason to believe that these actions are not isolated mistakes but rather part of a coordinated scheme that constitutes a violation of the XXXX XXXX and Corrupt Organizations Act ( XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report I noticed several negative items.
Product: Credit reporting, credit repair services, or other personal consumer reports

After submitting my dispute in via Mail I have not received a timely response. I am a victim of Identity theft and according to US LAW I am afforded protection and a timely response from those who report accounts of credit worthiness towards me.
Product: Mortgage

My hours at work were cut about a month ago, and after doing research and speaking to some people at HUD, I submitted with Dovenmuehle to get a mortgage forbearance under the CARES Act extension. Despite the Act including no language about needing to prove hardship, Dovenmuehle requires proof of hardship. So on XX/XX/XXXX, I submitted copies of paystubs so I could move to their next step, in requesting forbearance. When it appeared my documents were not being processed ( appeared stalled in queue ), I sent an email, same day of XX/XX/XXXX, asking both if they could provide an update on my specific file, and give me guidance as to what their hardship documentation requirement is, as it is absent from the Cares Act. A reply came on XX/XX/XXXX, stating that they are unable to assist over the phone and that I must call ( even though the ball is in their court, as I have submitted documentation properly ). So I called then ( XX/XX/XXXX ) and waited for OVER an hour, while being repeatedly assured someone would be on the line " shortly '' by their automated recording, holding for over an hour did not result in my ability to access a human who could assist me. I then emailed letting them know I can not wait for hours, plural, on the phone for assistance -- and made a request to find out how I can be assisted here. I let them know that if they put me off I will move forward with filing a complaint as it sure seems like Dovenmuehle takes steps to prevent people from accessing the Cares Act. I got a response this morning, XX/XX/XXXX, explaining the hold times are due to the pandemic, and offering no other support, directing me again to call the same number I had just explained requires hours, plural, on hold with no support. It is with the belief that Dovenmuehle has : 1. Added additional impediments to obtaining relief through the Cares Act, despite this not being their right to do so ; 2. Dovenmuehle then does not process their own required paperwork. ( So they add another step for the consumer, and then leave the consumer stuck at this step ). It is my belief that both of the above actions are both at odds with the nature of the Cares Act, and in an attempt to prevent people from accessing it. This makes me angry and I would like some answers and support.
Product: Credit reporting or other personal consumer reports

I took a look at my credit reports and noticed that there was an account that was inaccurate and/or erroneous. It did not match my records so I notified the agencies and I have yet to receive a response from them. The Fair Credit Reporting Act states that every report must be made with maximum possible accuracy however each reporting agency has different information. See exhibit. XXXX agency is showing a 60 day late payment status while the other two aren't and my records don't show that I was ever late. Not only that but the payment history are not matching at all which also proves that this information has been reported with an error.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, KY XXXX SSN : XXXX Date of Birth : XXXX XXXX XXXX TO : Experian : Account Name : XXXX XXXX XXXX Acct Number # XXXX The law said it is illegal to report transaction history. 
Per 15 U.S. Code 1681a ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Update report to paid on time or paid as agree. 
XXXX XXXX XXXX did not give me the opportunity to opt out or reporting transaction and experiences to my consumer report. 
I sent a dispute letter for inaccurately reporting and asked Experian to conduct a reinvestigation Experian failed to fix or modify, they merely parroted information from the furnisher. I sent Experian a letter for the method of verification on how they verified this information they did not do that either. 
I have attached Driver License and Utilities as proof of identifying information.

Best Regard
Product: Credit reporting or other personal consumer reports

I have fraudulent accounts on my credit report, which I reported it to XXXX XXXX XXXX, NY CHILD SUPPORT XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX, yet they are not removing these fraudulent account. They have no right to refuse to remove this fraudulent account because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than 4 business days after date of receipt. The followings are the fraudulent account : XXXX XXXX XXXX/ XXXX, NY CHILD SUPPORT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.
Product: Credit reporting or other personal consumer reports

I was looking over my report and I noticed these accounts listed below are not ensuring maximum possible accuracy according to the FCRA. Delete accounts listed below for violation of the fair credit reporting act. 


XXXX XXXX Account Number : XXXX - This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ), the last payment date and last active is not accurate.
Product: Checking or savings account

PNC still fails to resolve and release funds among other practices. See prior case CFPB XXXX that was closed, but it is not resolving any concern as PNC knows and understands that both executors are not able to sign the document together. So, we have requested the same document sent to each of us with a signature line and notary for each executor. I have asked XXXX XXXX numerous times in the month of XXXX 2017 to send one to XXXX XXXX the co-executor with only her signature & notary requirement, and I requested one for myself with only my signature line/notary. I have explained this problematic situation with the document to XXXX XXXX on multiple phone conversations and at least one email correspondence. XXXX XXXX understands that the authorization and indemnification document they are providing and requiring as written is impossible to have completed. XXXX ( co-executor ) has taken the document to several institutions multiple times, and no one will notarize the document for her with both names and notary requirements on the document. PNC should have consumers all over the country in this situation that can not both be present to sign documents, and PNC should be more than familiar with situations such as these. PNC should be able to comply with our need for individual forms. XXXX XXXX advised that she understands what we need, why we have requested individual forms, and she states that PNC 's position is that they will only provide us with the document as it is. She states PNC is not willing to send two documents ( one for each individual to sign and notarize ) even after several explanations. PNC understands we need separate forms, and they are refusing to comply and release the funds as requested. Plus, PNC has been provided the authorization forms that our estate attorney had prepared and have been executed for each of us in addition to official court documentation. PNC is intentionally giving us a hard time releasing funds due to their non compliance, numerous employee errors/ mistakes that were made. 
I encourage any current or potential PNC customer to be aware of bad practices and lack of financial protection to their elderly consumers. 
PNC allowed a removal of payable on XXXX beneficiary in an account conversion to a guardianship account when a new account should have been required. Also, the person making changes was only allowed temporary guardianship. They allowed all these changes to be made when grandma provided the bank with advance warning and had the account frozen as it was clearly not the account utilized for household expenses.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently to a look at my Transunion credit report and noticed that there are two hard inquiries by XXXX XXXX XXXX on my credit report dated XXXX, and XXXX. I contacted Bank of XXXX ( XXXX ) spoke with a representative and asked for a letter of deletion. The representative said no due to a credit line increase that I requested. I was never told or asked if they could pull my credit report ; and when I asked for proof of said I was told they do not provided this information to customers. I responded by saying " I have a legal right to said request ''. I was again denied ; but told a complaint would be filed. I then asked for a supervisor and she told me they do not have scripts that requires them to inform customers nor are they required to because it is in their terms and conditions. I responded by saying " where because I can not find this in your terms or conditions ''. I am affirmed that this is deceptive and violates my rights in making an informed decision. My right to disclosure at the time is without parallel.
Product: Debt collection

AMSHERCOLLECTION Services has violated my consumer rights. I was not informed of this alleged debt nor has it been validated. I am demanding this account be removed from my consumer report and proper documentation of the alleged debt ( per 15 U.S. Code 1692g ) be sent to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, XXXX XXXX XXXX, XXXX, XXXX, Exoerian. I have submitted theft /fraud affidavit to each of you as well as police report. Back in XX/XX/XXXX someone stole my identity that lived in XXXX XXXX Nevada. Until this day I am trying to regain my ctedit back. I noticed the XXXX loan on my credit report. Now I actually thought this was from XXXX XXXX where I purchase my vehicle. I am requesting more information on this " online loan ". Who get a online XXXX loan? Sounds fishy .well it was n't me. I believe my son girlfriend who moved in with us in XX/XX/XXXX open this account up in my name. I trusted her like a daughter she ran errands where I gave her my debit card. She paid bills. She is the only person that could have open this fraudulent account in my name. I plan on pressing charges and prosecuting her to the fullest extent. I am requesting any and all information provided to XXXX XXXX be mailed to me. I am asking XXXX XXXX to review my police reports and see I am indeed a victim of identity theft. There was a auto loan, and 3 personal loans in my name in the state of Nevada. Now there is another loan. With XXXX. I am asking a FULL and thorough investigation and i am asking for a full removal from my credit file. I will mail all supporting documents to XXXX XXXX XXXX XXXX To all 3 credit bureaus this is again FRAUD and I am requesting immediately removal after investigation. There is a fraud affidavit and police report already on file with each bureau please investigate this matter thoroughly. What I have gathered from XXXX search is that XXXX XXXX operate online. How was someone able to obtain this online loan in a different state. From Georgia? I plan on hiring a Attorney if this matter is n't remove from my credit file because it was n't me.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 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: Mortgage

AmeriSave Mortgage did all the processes for my refinance but never was approved, they pull {$500.00} Dollars from my Credit Card on XX/XX/2020 for services that I never received. They want us to pay at Closing almost {$7000.00} Dollars for Closing costs to receive a low interest, we pay the {$7000.00} that AmeriSave was asking for closing costs on the existing Loan we have and my existing loan we be pay in five years. We call AmeriSave and Cancel the Refinance and they agreed to send me back the {$500.00} they took from My Credit Card but they never did. 

We still waiting for AmeriSave to refund to me money they took from my Credit Card for services we never received.
Product: Money transfer, virtual currency, or money service

well when i tried to open up a claim for the fraudulant activities on y account there is no number to where you can tak to a live representive. there is only email communications which makes it very fustrating cause for one every corresponding email from them ends up being a new person and i just got the run around asking for the same information in every single email i literally end up with over a hundred emails back and forth with this company and in the end the gave me a partial credit but it was to the account that i dont have access to and that they refused to give me access to even though they agreed to a partial credit to that account tney claimed that they could not give me access to that account for security reasons so i am still going back and forth with this company about why they gave me a credit but to the account they know i dont have access to it makes no sense at all and this has been going on for over a mouth now its almost been two months now i have all the emails that i can included but it has account numbers and everything in them nut if i need to include them i can i just feel if i could speak to a live agents this whole process coud of gone a lot quicker and smoother and honestly my problem still isnt solved
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting TransUnion put 2 more negative points on my credit. Last month my credit score was XXXX, I have no late payments in over two years, yet Im constantly being given negative points. From last months XXXX to this recent score of now XXXX. After my first complaint it seems my credit is now under attack. How would I ever be able to purchase anything with these constant negative scores.
Product: Debt collection

My child was receiving child care services from the school. Father of the child was responsible for paying the child care bill. Father did not pay and this debt should be directed and the responsibility of the father. I have already reported this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attached you will see I have several inaccurate items reporting on my consumer report that don't belong to me but have come back verified and I demand a thorough method of verification/validation of these accounts! I am in the home buying process and these inaccuracies have damaged my credibility tremendously in the eyes or mortgage institutions and lenders. If these accounts can't be thouroughly validated I want them deleted from my cosusumer report within 10 days of receipt of this complaint as I've already submitted my initial dispute.
Product: Credit reporting or other personal consumer reports

HELLO THIS IS AN ON GOING ISSUE WITH XXXX, AND TRANSUNION PUTTING INCORRECT LATE FEES ON MY CREDIT REPORT ... 3 WEEKS AGO XXXX REMOVED XXXX POINTS FROM MY CREDIT REPORT, FROM XXXXXXXX XXXX WRONG INFORMATION DEALING WITH MY LINE OF CREDIT ... I HAVE NEVER BEEN LATE, THIS WAS A BANK ERROR WITH XXXX XXXX  PUTTING ME DOWN BEING LATE FOR 2 MONTHS, XXXX AND XXXX, AFTER ME DISPUTING WITH THE CREDIT BUREAUS AND SENDING DOCUMENTATION XXXX RESTORED MY POINTS BACK AND REMOVED 1 OF THE LATE FEES THEY REMOVED 1 MONTH BUT LEFT THE OTHER MONTH, BUT I NEED XXXX AND XXXX REMOVED, I HAVE PROOF FROM XXXX XXXX XXXX XXXX XXXX ALSO SEE THAT I WAS NOT LATE FOR THOSE 2 MONTHS IN QUESTION ... IM SENDING THE EMAIL SO YOU CAN SEND TO THE 3 CREDIT BUREAUS, ... I ALSO WANT XXXX TO STOP FLIP FLOPPING WITH MY CREDIT SCORE, THEY TOOK XXXX POINTS XXXX WEEKS AGO, GAVE IT BACK 2 WEEKS AGO AND JUST UNDER A WEEK AGO XXXX AGAIN REMOVED XXXX POINTS FROM MY CREDIT SCORE..I WANT IT BACK
Product: Credit reporting or other personal consumer reports

I have always ensured payments on this account are made promptly, avoiding any overdue status. I'm uncertain about the reasons behind reports of late payment remarks on my accounts. Under 15 USC 1666b, billing errors should be addressed.
Product: Credit reporting or other personal consumer reports

XXXX is reporting improper information, false information, social security fraud identity theft by third party creditor by XXXX XXXX XXXX 
XXXX is reporting False or misleading representation. 15 U.S CODE section 1592e _ ( XXXX XXXX XXXX is reporting False and misleading information and representation in violation of 15 U.S CODE section XXXX. and is committing consumer fraud and identity theft. XXXX is committing Social Security fraud as a pattern and practice. There are trying to collect a debt that is ready paid i full. This is bribery and extortion by XXXX who is using XXXX as a window to commit this fraudulent act. .15 U.S, C section XXXX XXXX section XXXX violation by 15 U.S.C 1681c-1 XXXX XXXX XXXX 15 U.S.C 1682 violations FTC violations, CFPB XXXX. 15 U.S.C section XXXX violations by all party and their representing agencies and insurance company 's.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see the document attached to this complaint. Diversified Consultants has  advised that XXXX XXXX recalled this account in XXXX of XXXX. I just need this to be removed from my credit file
Product: Debt collection

Received call from IQ Data International about a debt I had no knowledge of, representative was very aggressive toward collecting it. I informed him I had no knowledge and asked for verification, which he became more aggressive and abusive. I received a very vague statement of the debt after sending a letter for verification, the company used the term rental reimbursement multiple times each with different amounts listed. Sent second letter for clarification about the vagueness of the verification, which went unanswered. They have placed this on all my credit bureaus and increase the amount monthly of what I owe. But have never verified this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : On XXXX XXXX, I sent a certified letter to Equifax. The letter outlined how these accounts were reporting wrong. I also sent my full credit report to them. I even went as far as circling these errors for their review. When these accounts were disputed with Equifax, the accounts were updated with erroneous status information. How can these accounts go from Included in Bankruptcy, to a Charge Off, or Open, Or Transfered :? I would like to know Equifax 's method of verification. According to Equifax, these accounts were verified with the original source to be accurately reporting. If this statement is true, why did the status change from Included in Bankruptcy, to Charge off? After a Bankruptcy is discharged, the original creditor 's relationship is severed with the debter. No further reporting is required. Especially if it is reporting erroneous information out of spite towards the debter. In conducting any re investigation under paragraph ( 1 )  with respect to disputed information in the file of any consumer, the consumer reporting agency shall review and consider all relevant information submitted by the consumer, and make neccessary changes to a consumer report if the information supports the complaint.. This did not happen. It is obvious that Equifax did not examine the enclosed supporting documentation that I sent them. There was no investigation by them. The e-oscar system does not take into account that the consumer might need an actual person to examine supplied information, to the bureaus, that could rule in the favor of the consumer. E-oscar only repeats the same information that is unverified, or erroneous data that is supplied with the original creditor. Equifax, did not compare the old data that was sent by the original creditors, to the new data that was sent to them by the Federal Bankruptcy Court. 
It is beyond belief, that with the current laws that are written to protect the consumer, that credit reporting agencies can be allowed to report information, that they physically did not verify. And if Equifax would have done an actual investigation, they could have seen that the discrepancies were very obvious to anyone that cared enough to view them. Equifax has failed to protect the consumer, from companies that report old or outdated information. I have enclosed the same report, that I originally supplied to Equifax. I pray that I have been clear.