23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

There was nothing to explain further. I have been sending letters to Equifax for months now and I have repeated myself over and over again. XXXX XXXX XXXX
Product: Debt collection

I am filing this complaint regarding the mishandling of a debt collection by IQ Data International. The account in question has the number XXXX, and it is associated with an original creditor, XXXX at XXXX XXXX FL. This account was opened on XX/XX/XXXX, and the last activity was recorded on XX/XX/XXXX. 

Despite the account being closed, it still shows a high balance of {$4400.00} and an unpaid balance of {$4700.00}, with adverse ratings marked as Collection/Charge-off. As there have been no activities since XX/XX/XXXX, this has raised significant concerns regarding the accuracy and fairness of the reporting. 

On XX/XX/XXXX, I sent a cease and desist letter to IQ Data International, formally requesting the cessation of all collection activities and communications regarding this account. This request was made in accordance with the Fair Debt Collection Practices Act ( FDCPA ), which requires that such demands be honored. 

The letter explicitly requested that IQ Data International discontinue all forms of communication with me, barring specific exceptions allowed under the FDCPA, such as to inform me of their decision to cease collection efforts or to notify of possible legal actions. Additionally, I requested written confirmation that no adverse information will be reported to the credit bureaus related to this debt. Failure to comply with these requests not only continues to affect my credit score negatively but also constitutes a potential violation of the FDCPA. 

Despite this clear communication, there has been no acknowledgment or response from IQ Data International regarding my requests. This lack of response and the ongoing adverse impact on my credit report necessitate this complaint as their actionsor lack thereofcontinue to be a source of significant financial distress and confusion.

I am seeking intervention to ensure compliance with the FDCPA, correct any inaccuracies in my credit reporting, and confirm cessation of all unauthorized collection activities by IQ Data International.

Thank you for your attention to this urgent matter.
Product: Payday loan, title loan, personal loan, or advance loan

Believe this is Illegal loan in State of Ga. Lender is not listed in Georgia XXXX. Charged very unreasonable interest rates making impossible to pay back. Without having to get more loans. I have requ.ested to stop further ACH payments from my account. Notified local DA 's office
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Bureau Disputes Capital One XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Mobile : ( XXXX ) XXXX SS # : XXXX XXXX : XX/XX/XXXX Customer # : XXXX RE : REMOVE HARD INQUIRY FROM MY CREDIT REPORT ASAP To Whom It May Concern : I was never told nor made aware that Capital One would do a hard inquiry/pull on my credit. I was told that you would do a soft inquiry/pull so that it wouldnt adversely affect my credit. 

However, it shows on XXXX, XXXX and XXXX that you did a hard inquiry which has caused my FICO scores to lose between XXXX points. I need you guys to remove this inquiry ASAP. 

Concerned, XXXX XXXX XXXX *Enclosed : I have attached proof from your recent advertisement which states that you wouldnt do a hard pull/inquiry which is why I initially applied.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit was shown as 30 days late to XXXX, but not on XXXX or XXXX onXX/XX/XXXX However during that same time it also shows as not reporting to any credit reporting agency during the months ofXX/XX/XXXXto XX/XX/XXXX. This is an error since I have never been late on making my account payments. I have tried contacting them but they have not removed this inaccurate reporting from my credit files to XXXX.
Product: Debt collection

Tek-Collect, Inc and XXXX XXXX, Initially disclosed the wrong amount and date of the bill, and while I was verifying the amount with my dental insurance company sent this to Tek-Collect , Inc., a collection company with a very poor reputation. When I tried to pay the amount owed, I was told I could not. When I contacted Tek-Collect, I was told by the representative and supervisor that they would rather have this on my credit report to harm my credit, than actually receive the money. This is REPREHENSIBLE!!! These collection companies are more interested in harming consumers than receiving payment.
Product: Debt collection

I have a credit account showing on my credit report from Discover. This account is erroneous. I have disputed this account multiple times with the credit bureaus. Each attempt was unsuccessful. I contacted Discover by means of phone calls and written communication multiple times in an attempt to correct this incorrect mark. I had requested detailed information in writing to show how this could have ended up in my name. I had received nothing from the creditor nor any assistance at all. 

This erroneous account has negatively impacted my credit score, effecting my financial standing and overall well-being. I am trying to buy a home and this incorrect information is causing my family great distress. 

Due to Discover, nor the credit bureaus willingness to assist with this problem, I am requesting an investigation by CFPB. I feel this is a grave violation of my rights.
Product: Debt collection

XX/XX/year> letter from XXXX that account was paid in full. 
Since account was paid they continue to report to the credit buero that this account is past due. 
As a XXXX XXXX  every year I have to provide evidence to multiple states licensing beuro that this account is paid. 
I have received weekly calls from XXXX over the course of three years insisting that this account is not paid and they will continue to report to credit and collections attempts. Each time I talk to them I offer to provide evidence that they reject. They will not give me proper contact to submit evidence of payment.
Product: Checking or savings account

I opened a savings account with Truist on XX/XX/XXXX and over the weekend I received a letter dated XX/XX/XXXX that they closed my account and effective immediately. I visited the Truist location I created the account on XX/XX/XXXX, to find out the exact reason why. They said they will call tomorrow instead of handling it that day. They gave me a number to call and I was left on hold for 2 hours without any wait time.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  account # XXXX, has all violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit card or prepaid card

I received a letter from Synchrony Ba nk ( lo ses card ) stating there reduced my limit from {$3000.00} to {$2100.00}. The reasons were based in a part on a credit scoring system that was used, and my score was a  XXXX  with  XXXX . I find that to be interested, my payment was due on  XXXX / XXXX /  XXXX  , I was late by two days and made the payment and spoke with their client chat support via online. I explained I was late due to being hospilized with my   XXXX   XXXX    XXXX . I asked the representative to please waive my fee, which he did and i set up recurring payments. I 've been a customer with this bank for over 2 years and made timely payments and never utilized my full credit. I called their customer service number at  XXXX  on  XXXX / XXXX / 17  at  XXXX  ;  XXXX   XXXX . I spoke with an  XXXX  explained i wanted more details and speak with someone she hung the phone up on me, I called back again and got an  XXXX  and the phone was disconnected again. I feel very frustrated that as customer I ca n't get into with the credit division and to be treated this way. If i was not in the process of getting a mortgage i would of close my credit card. The major reduction with no bank credit contact has really caused me to question this bank integrity and client service. I 'm asking for someone to please help me get into touch with this bank.
Product: Mortgage

I HAVE SUBMITTED A MODIFICATION REQUEST TO MY SERVICER BSI ON XX/XX/2016 AND HAVE CONFIRMED RECEIVED ON XX/XX/2016. THE REPRESENTATIVE THAT IS ASSIGNED TO THE FILE IS XXXX XXXX WHICH HAS BEEN ASSIGNED SINCE XX/XX/2016 AND HAS NOT PLACED ONE CALL NOR HAVE REVIEWED THE FILE ONCE. THERE ARE NO NOTES PLACED ON THE FILE BY MY ASSIGNED REPRESENTATIVE EVEN THOUGH I HAVE BEEN CALLING TO MAKE SURE THE FILE IS MOVING FORWARD NO CALL BACKS NO MOVEMENT, THIS IS NOT ACCEPTABLE.
Product: Credit reporting, credit repair services, or other personal consumer reports

Opened a secured card. Company not reporting account, nor reliable payments. Opened for credit repair. They also charged a joining fee which was not obviously disclosed.
Product: Money transfer, virtual currency, or money service

Greetings my name is XXXX XXXX. I have been trying for weeks now to get Wells Fargo to refund money I sent from my bank account to another account. This all started on the XXXX of XXXX. I sent an ACH transfer from XXXX XXXX XXXX  to my XXXX   account. The money has to go through Wells Fargo to get there. The total amount sent was XXXX. I setup the transfer from XXXX XXXX XXXX online it only took me a few minutes to complete the transaction, I hit send, XXXX XXXX XXXX  sends me the confirmation the transfer is going through and will be sent by next day. Friday came no money was in the account. Monday and Tuesday came still no money in the XXXX account. So I called XXXX for the next 5 days asking why the XXXX had not posted to my account. XXXX does an investigation and they can not find any trace of the money coming to them. So I contacted XXXX XXXX XXXX  and was told that the money was sent and they received confirmation from Wells Fargo that they received the money. I contacted XXXX again and told them the bank sent the money and it should be there. XXXX does a longer investigation for about 1 day and still they could not find the money. I recontacted XXXX XXXX XXXX and they started and looking into it and found out that Wells Fargo was sending the money back to me because the routing number was incorrect. It should be returned to me in about 1-10 business days. 10 pass and nothing from Wells Fargo, I contacted XXXX XXXX XXXX  and ask for a claim to be filed against the money I sent. I called 5 days later and XXXX XXXX XXXX  told me Wells Fargo still has not contacted them. Next I file a claim against Wells Fargo on the XXXX XXXX XXXX website and awaited a response that came. I was told that there wasn't much that person could do to look into the matter and I needed to speak with XXXX XXXX XXXX. It is now now 4 weeks later I am still waiting on a response from XXXX XXXX XXXX  from Wells Fargo and the person who handled the transaction and still no answers. This should not take this long.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXperian, I want to show fraudulent consumer reporting taking place credit manipulation by you in your own omission, your statments enclosed, I contacted you through the CFPB many time about this and other case where you refuse to remove account when told by furnisher who can get contract back and by debt collector who states remove account you keep stating validated and not removing account. in casr XXXX you state furnisher can not remove account only debt collector your omission, caseCFPB XXXX from debt collector remove account { you refuse } letter from furnisher stating I do not own this account that you fradultly claimed over the years as mine state remove account .consumer credit manipulation is against the law you can explain to me and CFPB why you refuse to remove account, CFPB please look in to there business practices of fraudulent reporting, Enclosed is proof of just that remove the 2 pertaining fradulent reporting account related to there dispute numbers
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavor to tell credit bureaus that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX MI XXXX ; XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022.
Product: Debt collection

Today XX/XX/2024, I'm reaching out to the CFPB regarding an email I received about an account. I was contacted by " XXXX XXXX '' via email, stating I owe {$690.00} to " XXXX XXXX XXXX XXXX XXXX. '' This account, originating from a XXXX charge 11 years ago, should no longer impact my present or future, and I shouldn't be contacted about it after such a long period by the company or any third party representing them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a notice that on XX/XX/23 that there was a hard inquiry to my credit report from XXXXXXXX XXXX. I called XXXX XXXX to question the inquiry and they said that I do not have an account with them but the inquiry generated from an application in my name. The application was denied, but they could not give me information on what type of card was applied for or where the mailing address was.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  -- Disputed a Public Record item appearing within my credit file with Experian as a result of the company 's Violations of Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C 1681 ) reporting requirements but also Violation of FCRA 623 ( b ) ( 1 ) which states : FCRA 623 ( b ) ( 1 ), credit reporting agencies or furnisher of information being reported which turns out to be inaccurate, incomplete, or cant be verified, must be permanently deleted. *** As per Section 609, I am entitled to see the original furnisher or source of the information and in this case the original furnishers is/are : the XXXX XXXX XXXX XXXX XXXX XXXX Alabama XXXX The original furnisher ( s ), the XXXX XXXX XXXX XXXXXXXX XXXX XXXX Alabama, do not report to any credit reporting agencies to include XXXX, Experian, XXXX, or XXXX. Neither does the Court report to any third-party credit reporting agency furnishers or reseller of information. This rule applies to All US Courts therefore any statements alluding to XXXX stating the information being reported within my credit file with their company as verified and accurate is an error or a lie. Either way XXXX reporting requirements do not comply with FCRA 611 ( 15 U.S.C 1681 ) and 623 ( b ) ( 1 ) therefore the information must be deleted immediately. 

Experian.com/upload webpage also blocks at the discretion of Experian, consumers from uploading pertinent documentation to support disputes; tried multiples times with most attempts yielding a timed out or unable to process error message. This webpage would not allow me to upload dispute additional supporting documentation ( FCRA Dispute Letter Dated XXXX XX/XX/XXXX and Letter From The Court ) as stated by the Experian Rep during a phone call on XX/XX/XXXXXXXX
Product: Money transfer, virtual currency, or money service

I was scammed on XXXX XXXX XXXX out of {$1100.00}. This company called XXXX XXXX XXXX XXXX XXXX XXXX  promised two days shipping said they sent it XXXX. They sent it to not XXXX  but this place : XXXX XXXX XXXXXXXX They in turn said they would only ship it for XXXX more dollars. At this point I refused to pay themXXXX And they told me to XXXX XXXX XXXX  PLEASE help. I had no money. I tried to start this because I am a XXXX XXXX and I was trying to earn money. I am now broke. I really need advice on how I can get a refund. Cash app has not helped even though I paid ANOTHER cash app customer. PLEASE PLEASE can someone help? My number is XXXX. 
I have ALL the documents and texts and websites. Please please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed chapter XXXX bankruptcy XX/XX/XXXX, that included the vehicle being reported as charge off on my credit report. I was dismissed from the bankruptcy the same year XX/XX/XXXX. The creditor report show charge off dates that are different years XXXX & XXXX. The payment history on account was delinquent 180 days past due as XX/XX/XXXX throughout XX/XX/XXXX as it changes frequently 30, 60, 90 days past due. The account was declared dismissed / charge off as bad debt effective XXXX XXXX. After several attempts to clear this matter now 8 year and 7 month old account its unsuccessful. According to the Fair credit reporting act this account should of been removed after the date of the first delinquency or the date of my 7 to 10 years time last paid in bankruptcy. In the state of New Jersey its 6 years statue of limitation. I am 2 years and 7 months over. The creditor has change the information frequently when reporting to all 3 creditor agencies and I believe this is wrong creating me hardships at this time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Exeter Finance Company took the car after receiving a payment that month - by coming onto private property without Police. They claimed that Pennsylvania does not required it. To date- they are reporting the vehicle debt as new and regularly report late payments when the car was taken in XX/XX/2017.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never lived at no XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX. My Currant address is XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX FL XXXX. 


Also, The XXXX XXXX XXXX is Settle in Full. 

XXXX XXXX XXXX is Paid in Full. All of this should been updated.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and I noticed an account that was not reporting accurate. I have multiple late payments on an account that was in fact pay on time and never late. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I have attached a copy of my report to this complaint on XX/XX/year>. I now ask you to investigate and verifiable proof with records showing that I had late payments. If this information can not be verified. Then I demand that this account be updated to paid on time immediately. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several hard inquiries on my credit report that are fraudulent I need removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXl XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

ON XX/XX/XXXX I submitted a complaint with the CFPB reference XXXX XXXXXXXX XXXX XXXX. XXXX XXXXXXXX XXXX is currently listing an account on credit report in the amount of XXXX dollars. They alleged in the response to have sent me a validation letter mailed to me on XX/XX/XXXX. This letter was never received by me. I contacted the original medical provider and who confirmed with me that I no longer have an outstanding balance on there books. The last service I received from them was on XX/XX/XXXX which is over four years ago. I request that XXXX XXXXXXXX XXXX XXXX provide me with the following response through this portal and mail. Being that is debt they are attempting to collect is a medical one, a signed HIPAA letter by me authorizing the release of my medical records to them. Information related to the transfer of account from the original creditor to them, such as time, date, amount XXXX XXXXXXXX XXXX XXXX bought or sold my account for. I am currently working with a law firm who does pro bono work, and requested the above issues addressed. I have also filed a complaint with the Arizona Attorney General 's consumer complaint unit. 

Thank you.
Product: Credit reporting

It is very, extremely hard to put a fraud alert on your credit report. The credit bureaus make the process impossible. I just received a letter in the mail that someone tried to apply for credit in my name. This is the only information I have, so I go online to do this fraud alert, and the bureaus want me to order a credit report first. UNACCEPTABLE. I should just be able to get this added ASAP. Why should this process be so hard, while I am trying to get this done and my identity is getting stolen as we speak!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the account because I noticed it was on my credit report and I did not authorize this account. To dispute this account, I mailed a dispute letter, a copy of my FTC report for identity theft, a copy of my police report for fraud/impersonation/identity theft, 3 forms of personal identification ( copies of my driver 's license, my social security card, and one of my recent bank statements from the past 3 months ) along with a copy of the page of my credit report ( s ) on which the account was listed, in an envelope sent to the creditor of the account and I also put copies of the same documents in envelopes sent to all three credit bureaus ( XXXX, XXXX, and XXXX XXXX via USPS certified mail with return receipt, this was more than 60 days ago. The creditor and the credit bureaus have not mailed me a notarized contract with my signature on it within their 30-day allotted timeframe allowed by the FCRA ( Fair Credit Reporting Act ) to validate the account, and thus the account must be immediately deemed invalid, fraudulent, and not my liability, and it is hereby illegal for the credit bureaus and creditors to report this account on my credit report because the account was not validated within the required 30-day timeframe, and so the solution to my complaint is for the credit bureaus and for the creditor to immediately delete this account from my credit report. If the creditors and credit bureaus do not do this, I have the power and the evidence to sue them and win {$10000.00} due to the illegal credit reporting acts that they have committed which continue to harm my credit worthiness and access to financial wealth-building opportunities such as loans for real estate purchases. 

The account was already charged off as well so the creditor does not even have the right to report information about this account since they charged off the account to a collections company. 

The information for this account listed on my credit report is : BARCLAYS BANK DELAWARE, BALANCE {$1800.00}, OPENED XX/XX/2019, ACCOUNT XXXX