23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This is in regards to Complaint Number XXXX. This account is a joint account containing misinformation, inaccurate information and it's attempting to collect upon a debt illegally. 

On XX/XX/2021, sent a letter disputing the validity of this debt. The response to the letter of dispute was a debt notice letter dated XX/XX/2021. IQ Data International responded without presenting any evidence supporting their claim that I owe this debt. This first correspondence reads like the first notice of debt collection, only sharing the principle balance and including interest fees and not addressing any of the written requests from my initial letter. Both parties within this account have reached out to this company and received the same type of lackluster response. 

A second letter was sent to again, request further detail information about this debt that's alleged owed to this parties on this account. After not hearing back from IQ Data International within the legal 30 day time frame, a letter was sent out XX/XX/2021. This letter detailed the lack of timely correspondence between IQ Data International and the parties on this account, also detailed the FDCPA and FCRA violations. Three days later there were letters received dated XX/XX/2021 but postmarked XX/XX/2021. These letters deceptively try to pass off as " validation of debt '' requested XX/XX/2021. Two months later, these letters have attached itemized charge lists with inaccurate information and fraudulent, double charges with no description or photos attached. There is no written agreement, contract or signed notice verifying this debt. 

All of these unlawful practices has caused detriment to the documentation of the correspondence with this company while in pursuit of rectifying this matter. It has also created consumer distrust in this company and their permissible purpose to collect debt. I have no knowledge of this account, the alleged fees or the claims made that I owe this debt. This company continues to accrue interest and frequently reports this misinformation to the National Credit Bureaus. Everything aforementioned are clear FDCPA violations. 

To be clear, I have not entered a contract with this agency for collection of any debt they claim I owe or the illegal interest accrual, late charges or anything else they claim is owed nor do I accept ownership of this account and charges listed. Each instance of this process has been documented since XX/XX/2021 and the deceptive practices this company continues to take part in such as misrepresentation, illegal collection of debt and interest fees, failure to validate/verify legal debt and failure to comply with federal and state laws. They have added over $ 300+ in interest and have refused to provide any proof showing their right to collect this debt or oversee this account with my personal information.
Product: Credit reporting

I applied for a loan and was told my credit was too low, I had just checked my credit score and it was XXXX. Upon checking my score through my Experian credit tracker I discovered my FICO score had dropped XXXX points in one day. I spoke with Experian who reviewed my report and could not find any reason for my score to drop so dramatically ; they referred me to FICO who would not speak to me. FICO claimed I did n't have an account with them and they could n't help me. I was told to call Experian back. Experian claims they get the scores from FICO. I would like to know why FICO dropped my score XXXX points in one day and there has not been any major changes in my report. I pay all my bills on time
Product: Debt collection

This utility bill belongs to XXXX XXXX and XXXX XXXX. They are the people that were renting this house at XXXX XXXX XXXX XXXX XXXX Ca XXXX from me. I was living at a different address paying the utilities where i was living at the time at XXXX XXXX XXXX XXXX Ca XXXX. The renters were to have changed the bill into their names, please remove this from my report and go after the people that used the utilities. 

Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. XXXX XXXX Balance Owed : {$7100.00}
Product: Money transfer, virtual currency, or money service

Im writing to you to formally expressed my concern regarding Zelles handle of disputes particularly in the light of recent CFPB lawsuit, highlighting Significant issues with the platform. Despite using Zelle. Numerous times and reporting discrepancies, my XXXX XXXX and Zelle failed to investigate my claim adequately. They informed me that recovering my loss funds was impossible and tracking these transactions were unfeasible. The CFPB findings indicated that Zelle neglected to protect the consumers and also has allowed repeat offenders exploit the system leaving consumers vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit card

I attempted to purchase {$270.00} of items from XXXX XXXX XXXX merchant back on XX/XX/2023, order # XXXX. I was supposed to receive the items within 10 days. I did not receive anything. I tried MULTIPLE times by email and phone to reach XXXX XXXX and no one responded other than initial vague email about a delay due to weather issues. After waiting like 2 months and hearing nothing, I did some research and found they routinely do this to their customers. They either never deliver the items or, when finally tracked down and hounded, they deliver items of lesser value. According to reviews I read, they even pour out the vintage wine and replace it with wine or who knows what of lesser value, significantly less value. Also, their store front is never open and people openly wonder if this is some sham money laundering operation. I am shocked that alcohol, tobacco & firearms is not investigating this company. So, frustrated at the lack of response and no longer wishing the items, I complained to Citi and they started to research. They first credited my account and then they just reversed the credit. XXXX XXXX simply sent them proof of my order - yes, I ordered the items but I NEVER RECEIVED THEM!! So that is fraud. I don't know what Citi 's problem is and I also find it shocking that someone does not look into this very sleazy operation in XXXX. I asked a local wine merchant here and he told me that XXXX XXXX XXXX is notorious for charging customers for vintage wines they never deliver ( or they deliver something that is not the actual product - like pouring out fine champagne and filling it with a cheap substitute or who knows what ). What does it take for the govt to do something about wine fraud? It is not even safe for them to be pouring out fine wine and pouring who knows what into these bottles and sending it to people. Isn't that supposed to be regulated? Also, what evidence does Citi need just to send me my refund? Seriously? Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Sezzle says I owe an alleged debt of {$110.00}. 

Sezzle will not accept payment from me directly. They refer me to XXXX XXXX, their debt collector. 

XXXX XXXX  will also not accept payment from me. 

This leaves me with no option to settle the alleged debt.
Product: Money transfer, virtual currency, or money service

Venmo has repeatedly denied me an account for fraud. I have no idea why but I have given up on them ; however they still show me as having an account ( albeit frozen because of the fraud - that they can not explain to me ).

I want this closed. 
I dont want to receive quarterly statements and I dont want my name in their system.

It shows as an option for people to pay me.

Which is not an option.

Each time I try to reach them/ submit a complaint online via their portal, I only get an automated email and nothing else!
Product: Debt collection

I do not know who erc is. It looks like it 's for XXXX on my report. I had XXXX for several years and XXXX before that. I am not aware of anything on my credit that 's delinquent and I have nothing for this balance. I pay my bills in full every month. I have made several attempts to contact them. This needs to be removed from my credit profile. It is not mine.
Product: Checking or savings account

Back in XXXX of XXXX  I had a problem where someone unknown too me used my debt card so XXXX department contacted me so I ask them to send me a new debt card and send me a new card and have my account number changed they never did but come in the end of XX/XX/year> they closed my account and there was fund that was not refund too me I never ever asked to have my account closed I asked multiple times to have my accounts changed what I would like them to reopen my account set up a date and time with the XXXX XXXX branch so I could open my checking account I want to also open a passbook savings account without being discriminated against because they say it only for XXXX XXXX
Product: Credit card

We been victim of fraud on our credit card and TD bank doesnt want to reimburse the fraudulent transactions
Product: Credit reporting or other personal consumer reports

A month 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 accounts : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Our complaint relates to predatory lending practices of Home Depot Credit Services, which we understand is administrated by Citibank. We had a Home Depot Credit card ( " Card 1 '' ) which had been paid on time and paid in full. In XX/XX/2018, we purchased paint at the XXXX Home Depot store and were pressured into opening a second Home Depot Credit card ( " Card 2 '' ). At that time, we were told that there was a substantial discount if a second card was opened and, accordingly, we should not use Card 1.

We acknowledge that we paid Card 2 late. However, the XX/XX/2018 statement for Card 2 shows that the balance was paid in full. Because of the late payment we were charged {$16.00} in late fees which were due on XX/XX/2018. 

We use online payment to pay amounts on Card 1. This method provides for the entry of account numbers. Inadvertently, we failed to realize that we need to open a second payee account for online payments due on Card 2. We paid the {$16.00} under the account number for Card 1. Home Depot Credit reports that they processed the payment on XX/XX/2018. 

In XX/XX/2018, we received a second statement on Card 2 which included {$16.00} balance plus an additional {$16.00} in late fees plus {$2.00} in interest. The total balance of {$34.00} was due on XX/XX/2018. We also received an XX/XX/2018 statement on Card 1 showing a credit balance of {$16.00}. We were abroad and then out-of-state when the XX/XX/2018 statement were received. On or about XX/XX/2018 we telephoned Home Depot Credit to discuss the misapplication of the XX/XX/2018 payment. After researching the matter, Home Depot Credit applied the payment to Card 2.  On its XX/XX/2018 statement, Home Depot Credit reported a XX/XX/2018 " Misapplied Pmt SM Prin '' on Card 2. However, we were charged an additional {$34.00} of late fees and {$2.00} of interest. 

On XX/XX/2018 we called Home Depot Credit to resolve the balance of the XX/XX/2018 statement. At that time we were referred to XXXX in the credit adjustment department. After much discussion, we were told that the Citibank 's policies allowed for only one late payment per each account regardless if there was a misapplication of payments between two Home Depot Credit accounts. We were then told to pay an additional {$16.00} in late fees and that the XX/XX/2018 charges of {$38.00} would be waved. We paid the {$16.00} amount and closed Card 2.

Although small in amount, the business practices employed by Home Depot Credit and its agent Citibank are, in our opinion, a clear indication of predatory lending actively which should be stopped by the CFPB to protect other consumers. Moreover, Home Depot should be prohibited from pressuring consumers to open second accounts because the represent a clear conduit to orchestrate predatory lending practice.
Product: Credit card or prepaid card

On XX/XX/XXXX my wife and I went to XXXX XXXX XXXX in XXXX Florida very sick with XXXX  XXXX. The Urgent Care Provider asked us to paid {$75.00} each for our deductible total of {$150.00} to see the doctor. Two days later our XXXX XXXX tests confirmed according to XXXX that were suffering from XXXX XXXX. Per the CARES Act our medical insurance Provider is responsible for 100 % of our care due to XXXX XXXX. Our insurance carrier XXXX XXXX XXXX XXXX XXXX  confirmed in our claim statements that both my wife XXXX and me had no financial obligation to XXXX for the charges they made on our credit card and we were due a refund of {$150.00}. 

XXXX does not return phone calls left to their billing department so on XX/XX/XXXX we disputed our 2 credit card charges with Capital One. On XX/XX/XXXX I talked with XXXX Final Dispute Mgr at Capital One and she told me she would NOT ask XXXX for any documents regarding our disputed charges and without going forward to see if XXXX would honor our dispute and refund our money she simply denied we had any recourse under the CARES Act or various CFPB Guidelines that has dealt with XXXX  XXXX issues. Capital One totally ignored two Federal Laws by denying our disputes without fully investigating our claims.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my lecerally proteced consumer nighis to privacy and contoenually under to vou 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 15 U.S.C 1681 section 602 A. States I have the right to privacy. TransUnion is supposed to ensure MAXIMUM ACCURACY POSSIBLE. These accounts violate this law. Delete accounts.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. TransUnion is supposed to ensure MAXIMUM ACCURACY POSSIBLE. These accounts violate this law. Delete accounts.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. TransUnion is supposed to ensure MAXIMUM ACCURACY POSSIBLE. These accounts violate this law. Delete accounts.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. TransUnion is supposed to ensure MAXIMUM ACCURACY POSSIBLE. These accounts violate this law. Delete accounts.

Pursuant to 18 U.S.C, I owe no debt. This company is violating my consumer rights to privacy pursuant to 15 U.S.C 1681 ( B ) ( 2 ) company has also no permission to report anything using my info pursuant to 15 U.S.C 1681 ( B ) ( 4 ). TransUnion is supposed to ensure MAXIMUM ACCURACY POSSIBLE. These accounts violate this law. Delete Accounts.

According to 15 U.S.C 1681eb they are supposed to ensure this Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. TransUnion is supposed to ensure MAXIMUM ACCURACY POSSIBLE. These accounts violate this law. Delete accounts.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. TransUnion is supposed to ensure MAXIMUM ACCURACY POSSIBLE. These accounts violate this law. Delete accounts.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Request for Investigation and Correction of Inaccurate Late Payments on My Credit Report Dear CFPB, Following your agency 's completion of the investigation as outlined in this complaint, I am writing to request a detailed description of the investigation process used to review the disputed account on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i ( a ) ( 7 ), credit reporting agencies are required to provide a description of the investigation process within 15 days of receiving a consumers dispute. 

Upon reviewing my credit report, I discovered that my XXXX account reflects inaccurate late payments, despite my consistent record of timely payments. It is imperative that consumer reporting agencies ensure all information is reported with complete accuracy, and I am now requesting that Equifax thoroughly investigate this account and update the entries to reflect on-time payments.

Discrepancies in Reporting : The credit reporting agencies have inaccurately recorded late payments on this account that do not reflect my actual payment history. The discrepancies are as follows : Equifax : XXXX late payment in XX/XX/year> XXXX : XXXX late payment in XX/XX/year> XXXX : XXXX late payment in XX/XX/year> These entries are incorrect, as I have consistently made all payments on time. 
Legal Basis for Dispute : Under the FCRA ( 15 USC 1666 ( b ) ), I am entitled to the accurate reporting of my account history. The presence of these erroneous late payments misrepresents my creditworthiness, potentially constituting a violation of both the FCRA and the Truth in Lending Act ( TILA ). Additionally, sections 15 U.S.C. 1681i and 1681s-2 of the FCRA mandate that credit reporting agencies and information furnishers correct inaccurate or incomplete information in consumer reports to ensure maximum accuracy.

Requested Action : I request that Equifax perform a comprehensive investigation into this account and promptly remove the inaccurate late payment entries to reflect my correct payment history of 100 % on-time payments.

Please confirm the removal of these inaccuracies in writing within 30 days of this complaints submission. Failure to resolve this issue may lead to further action to protect my rights as a consumer.

Thank you for your immediate attention to this matter. I look forward to receiving confirmation of the corrections within the timeframe mandated by the FCRA. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Mortgage

Due to the financial impact of the pandemic, we applied for forbearance with Loancare. It was not realistic to pay four months of mortgage payments so we applied for the loan modification on XX/XX/21. Although we were in this process, Loancare reported our payments as late to the credit bureaus resulting in a dip of over 100 points to my credit score. During this time, I attempted to rectify the matter with Loancare, to no avail as I the responses varied each time we called. It was only after filing a complaint with the XXXX XXXX XXXX that Loancare corrected the issue with my credit score. To date, Loancare has not provided documentation of the terms of the modification nor does the website reflect changes although we have been told by agents to pay the modified amount. On several occasions, we have been told these changes became effective on XX/XX/21 and the payment was timely and deducted from our account. On the other hand, Loancare continues to send routine notices that our account is delinquent. We have completed the modification paperwork and have been told that the process is complete. On XX/XX/21, I received alerts that my credit scores have once again decreased over 106 points as a result of Loancare reporting we are 120 days late on our mortgage. I contacted Loancare and spoke to agent XXXX who also reinforced that our modification is complete and that " she doesn't know why these credit unions do this ''. According to XXXX, she could not adjust the score. She ultimately transferred me to her supervisor, XXXX, who echoed her sentiments. Lacking integrity, continuity in communication, and overall professionalism, it is evident that Loancare has no regard for the welfare for their consumers.
Product: Credit card or prepaid card

In XXXX or XXXX of XXXX I opened a new credit card account and took advantage of a balance transfer promotion. I paid a fee of {$91.00} to transfer a balance of {$3000.00}. The promotional rate given was 0 % until XX/XX/XXXX. 

I also made additional purchases on the card totaling {$2100.00} which also had a promotional rate of 0 % until XX/XX/XXXX. 

In XX/XX/XXXX I took advantage of another offer on the same account and borrowed {$4800.00} on a Flex plan@ 8.99 % with a fiver year term. 

I've been making extra payments so the balance transfer and additional purchases will be paid off before the 0 % promotional rate expires in XX/XX/XXXX but the credit card company is applying the extra payments to the Flex loan because it has a higher interest rate ( 8.99 % versus 0 % ). This means that while I'm saving the 8.99 % interest on about {$4500.00} now, beginning in XXXX I'll be paying about 25 % interest on about {$2700.00}. Saving roughly $ 22/month now is going to cost me about $ 56/month next summer! 

I was told by the credit card company that the system can not be over-ridden to apply the extra payments to the promotional balance rather than the Flex balance. This is a poor excuse since other credit card companies offer the account holder the choice of how to allocate payments. ( I can do that on my XXXX credit card for example. )
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. There were inquiries fraudulently made to my personal credit. Names of the companies and dates of them are listed below. I have sent in proof to the credit bureaus but they refused to have these removed. They are breaking the credit law. Please have this resolved with the credit bureaus immediately by having them remove these inquiries immediately off my credit! 

XXXX ) XXXX XXXX - XX/XX/year> XXXX ) XXXX XXXX  - XX/XX/year>
Product: Checking or savings account

To whom it may concern, I went to the bank Truist to deposit {$800.00} to my bank in cash to the ATM. The date was XXXX,XX/XX/2023 The deposit went through the atm and showed up on my bank account like normal. Now Tuesday XX/XX/2023 the bank removed the deposit claiming they have never received the deposit. I went to truist, and they said they didn't find any record of it from the ATM. I asked them to investigate more about it because there was no way they were going to remove the deposit and say a month and half later it was never made. I called over the phone Today XXXX  XX/XX/2023 calling to ask what was concluded and what happened to the deposit. The gentlemen on the phone said they concluded the investigation and that the " analyst '' didn't see the deposit made. We kept asking him if they checked the cameras, if they did everything because I deposited that money but again, he was clueless didn't know what to say. As well as members from the bank have told me it has also happened to them. i want to speak to someone hire up and want them to investigate personally and show that camera that I deposited. THEY ARE STEALING, it is not okay.