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

I Am a natural man and consumer. I was impacted by the so called 2017 Equifax data breach. I am spending incalculable hours and energy trying to keep up with the fraudulent accounts and inquiries appearing on my personal consumer credit report. This is the third cycle ( 30 day increment ) that I'm sending out disputes to Equifax, XXXX XXXX, and XXXX. XXXX XXXX has sent me stall letters and postcards after each of my disputes stating that they applaud my decision to take control of my credit, but they continue to completely and wilfully violate the FCRA by stating that my letters, which have my identifying information, doesn't appear to come from me. First of all, the FCRA does not stipulate that a consumer must notify any credit reporting agency that they are working with the assistance of someone else. Secondly, XXXX XXXX is a multi billion dollar corporation that does not know me personally, so how can they possibly determine what my mail seems like? XXXX continues to send me form postcards that are essentially stall letters as well, stating that my proof of address is insufficient, thereby denying me my right to challenge or dispute any information that is inaccurate erroneous or incomplete, and therefore access to my consumer report. The law states that upon receipt of dispute, a CRA must initiate a " reinvestigation '' of the disputed information, and complete it within 30 days. I am now approaching 70 days with no progress. I've submitted proof of my being a longtime victim of identity theft and the law states that ANY ITEMS THAT ARE REPORTED TO BEE THE RESULT OF IDENTITY THEFT MUST BE BLOCKED WITHIN 4 BUSINESS DAYS.

FCRA 605B ( 15 USC 1681c-2. Equifax and XXXX continue to report a fraudulent account from XXXX and company called XXXX ( XXXX XXXX ). I've contacted XXXX  and they said they'd forward it to the fraud department, but all that's happened is they verified the accuracy of the information to the credit bureaus.
Product: Debt collection

This is a formal complaint against IQ Data International located in XXXX, WA. This company has repeatedly violated my consumer rights under the Fair Debt Collection Practices Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable collection account on all 3 of my credit reports, XXXX, XXXX and XXXX and not to mention an account in which I've asked for proof of claim and in which they have refused to validate per my request under the Fair Debt Collection Practices Act. Despite my efforts to resolve this unfortunate nightmare for nearly a year now, IQ Data International has completely ignored my communications and legal submissions to remove this inaccurate information from my credit reports. I am well aware of the many, many other complaints filed against this company for their illegal and unethical collection practices- disguising themselves under multiple business names and using ILLEGAL collection practices all across the country. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Product: Credit reporting or other personal consumer reports

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Mortgage

On XX/XX/23 I received a surplus escrow check from my lender. The letter states this is an overage after my taxes and insurance has been paid. The letter states this is my funds to do as I wish with them, being a first time home buyer I decided to put the funds back into the house by redoing my hardwood floors. On XX/XX/23 I received a letter from my city stating my property taxes were not paid. They are now requesting {$2700.00} with fess and interest. I called amerihome financial and was told they did pay my taxes in the amount of {$800.00} they are lying to me and claiming the city only sent them a bill for that amount. I spoke with city of XXXX this morning and was informed that my lender misread the statement and only sent in the first installment of my property taxes with the intent to pay it in full. They did not understand the assignment. My lender is not owning up to this mistake as they keep telling me the city sent them the wrong bill. Amerihome is acting unfair and deceptive. I was misled on the terms of why I received the escrow check. I am being lied to about why my taxes were not paid in full.
Product: Vehicle loan or lease

I have a XXXX Hyundai XXXX XXXX. I leased the car in New York, and at the end of XXXX I moved to New Jersey. In order to register the vehicle in New Jersey, I need Hyundai Motor Finance to release the lien on the title. Simply, they need to send the title to the DMV so I can register my vehicle in this state. 

First attempt was XX/XX/XXXX. They told me it was processing and would be done in 7-10 days. 

Called back in XXXX. Same thing. I've since been calling almost every 2 weeks since. 

In XXXX, they finally " submitted '' my request. Only to find out in early XXXX that the request to release the title was denied because " the proper sales tax information was not provided ''. This clearly does not make sense, because sales tax was paid at the time of lease signing, and they are the one 's who have the lease in their possession. They are Hyundai Motor Finance. 

A representative from Hyundai told me I needed to resolve this as the DMV. I went to the DMV, and they told me this was nonsense. They would never " reject '' a title, it's not possible as title 's are recieved in the mail. They do not even consider sales tax in the recieving of a title. 

The DMV then provided me with a form to send to HMF, requesting again for the title release. I faxed and emailed the form to HMF. I called 2 weeks later, and they said it was never received.

Finally I got a " specialist '' on the phone who agreed with me the sales tax denial did not make sense, and they told me they submitted the request again with the proper information. But at this point after 6-7 months, I do not have faith this is being handled correctly. 

My New York registration is due to expire on XX/XX/XXXX. I have been waiting 6 months for Hyundai Motor Finance to send the title to my DMV here in New Jersey to register the vehicle. And I am going to have an unregistered vehicle soon because of this.
Product: Debt collection

i have a debt on my XXXX  credit report that expired on XXXX of XXXX for the amount of {$610.00} that i asked simons agency  of XXXX XXXX XXXX XXXX ny XXXX to be removed from my credit report. i disputed this with XXXX and they told me it was up to simons agency to remove this. i talked to XXXX XXXX over at the simons agency this morning XX/XX/XXXX and he told me simons would not be responsible for removal from my credit report. i have explained in several calls and through written letters that this debt is past the statute of limitations and debt reporting in new youk state but to no avail. simons will also not offer better terms of negotiation on former debts and is still trying to collect on debts that are more than 7 years old.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. I hope the following items will be deleted ASAP. Thank you. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am an Identity theft victim with a credit freeze and fraud alert at all 3 credit bureaus- I established this freeze and fraud alert after experiencing a police reported identity theft incident in XX/XX/2021 -- I temporarily lifted the freeze online on XXXX to apply for a credit union account -- set the restore date for XXXX despite the fraud alert someone applied for a credit card in my name on XXXX -- I was alerted -- not by any of the credit bureaus but by XXXX XXXX XXXX- a FREE service. I was able to restore the freeze at XXXX XXXX online and at XXXX via phone -- Experian does not allow access to a live person or access to restore online. Despite calling 4 different numbers over 2 days there is no live access. I tried to restore the Experian freeze online by adding a new freeze and was denied. I am now unable to access my previously established Experian account at all -- their system refused my ss # -dob- the only way Experian allowed me to refreeze my account was to establish a PAID {$25.00} per month XXXX membership account and schedule a freeze for 24 hours-leaving me vulnerable until the XXXX. I am forced to pay for something that was and should be available to me at no charge -- the Paid Experian membership only freezes your account while you are a paid member-dropping the freeze if you cancel -- I need access to my free Experian account and I need Experian to freeze my credit without the extortion
Product: Checking or savings account

I filed the complain on XX/XX/XXXX, case number of XXXX. The bank still refused to close my accounts and I reject its explanation completely. This is not trustworthy bank and no wonder why it's ranked 1 out 5 on XXXX  with over 400 complaints in the last 12 months. 

The bank doesn't have a valid system to communicate with its customers effectively, its so called " specialists '' who are a untrained group of people, every call took hours and no problem can be solved. Its called back phone ID method is totally broken, it works one day and not functional on another day. How can the bank all depends on a phone call? Why the bank just sends a check in my name to close my accounts like other banks do? In the matter of fact that the bank did refund a portion of my money to my linked account with the XXXX  XXXX XXXX from one of the three account on XX/XX/XXXX and refused to do the same with the rest of my money. 

The bank has no right to hold my money and I demand the bank to release all my funds back to the linked account with the XXXX  XXXX XXXX where all deposits were made from or simply send me back a check in the amounts. 

This bank has no protection to its customers, the only thing they are capable to do is to block its customers ' access and hold other people 's money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3 Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to update the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the items I am concerned of : XXXX XXXX  Bankruptcy XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX DEPTEDXXXX XXXXXXXX XXXX XXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX  XXXXXXXX XXXX XXXXXXXX XXXXXXXX DEPTEDXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Company is attempting to collect a charged off account in collections Charged off accounts are considered income and must be deleted 15 U.S Code 6802 15 U.S Code 6805 Privacy protection violation Consumer credit violation
Product: Credit card or prepaid card

I am XXXX years old with over 800 credit score, and over $ XXXX in A Chase Accounts, i own four properties totally paid off. 

I been banking with chase for over 10 years, yet I have applied for two credit cards with chase and they have denied me. they wont give me a good reason why or attempt to resolve the matter. 

I feel i am getting discriminated either because i am old or XXXX. there is no good reason why they should deny me a credit card but they do it. i need some help here. 

thank you
Product: Credit reporting or other personal consumer reports

Hard inquiries were made to the following Credit bureau agencies including XXXX and XXXX. 
XXXX ) On XX/XX/XXXXXXXX XXXX made a hard inquiry accoridng to the XXXX report. Their address is XXXX XXXX XXXX, XXXX, OH XXXX. 
XXXX ) On XX/XX/XXXXXXXX XXXX  made a hard inqury according to the XXXX credit report. Their address is XXXX XXXX  XXXX, XXXX, OH XXXX. 
XXXX ) On XX/XX/XXXX, XXXX made a hard inquiry according to the XXXX credit report recently XXXX Their address is XXXX XXXX  XXXX, XXXX, OH XXXX. 

According to the XXXX credit report the following hard inquires were made reently. 
XXXX ) XXXX XXXX XXXX made a hard inquiry on XX/XX/XXXX. Thier address is XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX. 
XXXX ) XXXX XXXX made a hard inquiry on XX/XX/XXXX. Their address is XXXX XXXX XXXX Wilminton DE, XXXX. 
XXXX ) XXXX XXXX made XXXX hard inqury on XX/XX/XXXX. Their address is XXXX XXXX XXXX, XXXX OH XXXX.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XX/XX/XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00}
Product: Credit reporting

The account is XXXX in which I was a authorized user on my mothers account ; The account was not closed and is still active. I am just removed as authorized user because I applied and received my own account with XXXX. Regardless this states that the account was terminated by credit grantor and it was not. Please update your records to reflect these changes.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding an issue I have encountered with XXXX, Equifax and XXXX. Specifically, I have not received a proper method of verification regarding several disputed items on my credit report which include XXXX, XXXX XXXX, XXXX and XXXX that are on my XXXX credit report. I have also asked for my consumer disclosure file under FCRA Section 609 ( a ) ( 1 ) on this Santander Account that was put on my credit report, I also asked XXXX, Equifax and XXXX credit bureau to provide me with the date of first delinquency, the FCRA compliance date and the name of the party who reported the date of first delinquency on XXXX XXXX XXXX  and have not gotten a response. Despite my formal request Im not getting any results. On XXXX XXXX XXXX I got an email from XXXX stating, We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request. Which to me doesn't make sense because I sent a dispute letter that was accepted with the same address and telephone number. I believe they are trying to stall. On XXXX XXXX XXXX I got another email from XXXX stating, It's been five days since we received your dispute and were still waiting for a response from your creditor ( s ). Well continue to keep you updated on this status. I didn't request a dispute. I requested a Method Of Verification for these claims on my credit report. I also haven't gotten a response from Equifax about my consumer disclosure request for this alleged debt by the creditor XXXX. XXXX has failed to provide the requested details within the legally required timeframe. 
This lack of responses undermines my ability to ensure the accuracy of my credit report and violates my rights under the FCRA. I am seeking your assistance to investigate this matter and hold the credit bureau ( s ) accountable for their non-compliance. Please let me know if you require additional details or documentation to proceed with this complaint. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX
Product: Payday loan, title loan, or personal loan

I paid off one loan from them in XXXX for a total of {$950.00} on a {$350.00} loan. At the time, a Mr. XXXX XXXX told me the loan was paid in full. Last week he contacted me again saying I have another loan over due, also for a settlement of {$1000.00}, on a loan of {$350.00}. I believe that is too much money. I can not pay any where near that amount. I have emails from this company if needed. I don't know how to send emails to you from them.
Product: Debt collection

I am requesting a method of verification. I am needing a description of the procedure that was taken for this company to state the accuracy of this account. I need a method of verification and documentation that XXXX, XXXX, and XXXX have on file that states that this information is indeed one hundred percent accurate, and correct? Who did you interview regarding the disputed items? Please provide this information to me by email XXXX or by mail XXXX XXXX XXXX XXXX XXXX TX, XXXX within 5 days or remove this account and delete it immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 8th endeavor to tell you 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX DEPT OF EDUCATION/XXXX  XXXX Balance : {$10000.00} DEPT OF EDUCATION/XXXX XXXX Balance : {$9300.00} DEPT OF EDUCATIONXXXX XXXX Balance : {$1100.00} DEPT OF EDUCATION/XXXX XXXX Balance : {$3000.00} DEPT OF EDUCATION/XXXX XXXX Balance : {$1900.00} XXXX XXXX Original creditor : XXXX XXXX XXXX Balance : {$930.00} XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Have not recieved valid verification that this is my debt. I disputed this 2 months ago. This is not my debt
Product: Debt collection

I received a bill on XX/XX/2015 from Enhanced Recovery stating a debt had been placed with them for collection I paid on good faith that they would at least validate the debt. I had never recieved anything in regards to this debt in the past and I was told I had 30 days for them to validate. I still have not received anything and when I checked my credit report they had put this debt on there years ago. When I called back and spoke with " XXXX XXXX '' i told her I had only received XXXX letterfor collection ( XXXX/XXXX/15 ) she gave me an address that I had no knowledge of and had never lived at as being where the previous bills went. As of now the debt is paid and still not validated.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXXI XXXX {$540.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$2200.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX {$8100.00} XX/XX/XXXX XXXX  XXXX XXXX - XX/XX/XXXX XXXX XXXX  XXXX {$1900.00} XX/XX/XXXX XXXX XXXX XXXX {$1600.00} XX/XX/XXXX XXXX  XXXX XXXX XXXX {$590.00} XX/XX/XXXX XXXX XXXX  XXXX {$410.00} XX/XX/XXXX 15 U.S.C, 1681section 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 an account without my written instructions. 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. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

I made a payment on XX/XX/XXXX that was never applied to my account. Since then they are constantly saying I'm a month behind, charging fees etc. I sent them a screenshot of my bank account showing that transaction and they claim that wasn't good enough. I have been calling for months and been told my account was current, it wasn't until three weeks or so ago that someone finally could tell me what the issue was. This has ruined my credit, I'm selling my home and it closes in three weeks, I'm positive if I stay under this mortgage company i will lose my home because they are completely incompetent.