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

I called Equifax after I purchased a credit report from XXXX on XX/XX/2022. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there were Names : XXXX XXXX XXXX, XXXX XXXX XXXX AddressXXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Account : XXXX/XXXX  XXXX on my credit report which are UNKNOWN to me. This is disappointing because I have been paying XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time. One of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent accounts and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

A copy of my Utility Bill, drivers license, W2, and Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by Equifax not blocking these items are inadvertently resulting in me being extorted.
Product: Debt collection

Debt collector IQ Data International , Inc. has committed two violations : ( 1 ) it is attempting to collect an alleged debt for which the statute of limitations has run ; ( 2 ) it is attempting to collect a debt without providing a valid verification of debt upon my written request. 

In or about XX/XX/XXXX, IQ Data attempted to collect a debt that was alleged by a former landlord with whom I had a dispute. In my opinion, the landlord owed me $ XXXX. Nevertheless, landlord sent its alleged debt to IQ Data. In XX/XX/XXXX, IQ data sent me a letter attempting to collect the alleged debts. I responded within 30 days of this letter, requesting a verification of debt in the form of the contract upon which the claim is based or the judgment against me. IQ Data responded with an indecipherable document with two itemized charges and descriptions that were not revealing of what the charges were, nor any evidence of a contract or judgment against me. I informed IQ data of this by mail promptly within 30 days of its letter to me, explaining that they had not verified anything, and I re-requested a verification of the debt.

I did not hear from IQ Data until today, when I received a letter dated XX/XX/XXXX from IQ Data offering to compromise the debt against me and informing me that they had or intend to report me to credit bureaus.

Californias statute of limitations is 4 years when based on a written contract. Although IQ Data has not produced such a contract its allegations are of a contractual basis for its collection. However, per IQ Data, this debt was due and payable in XX/XX/XXXX. IQ Datas claim if it existed at all is no longer enforceable by the laws of California. It is abusing its power and wealth to leverage the average consumers lack of knowledge of the laws to extract money that is not legally collectible.

The debt collectors information is below for your information.

IQ Data International, Inc. 
XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, WA XXXX XXXX Account Representative : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute on my credit reports for a incorrect charge off/collections account and it has still not been removed from my credit report. The creditor purposely listed incorrect debt amount and reported the account as derogatory on my credit report. They have unfairly marked the account as bad debt and sold it to another lender. They have sabotage my credit report by listing false information and have damaged my credit score as well as my ability to get credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have negotiated the two accounts I have with XXXX XXXX that is showing on my credit report. Both accounts have been negotiated and settled. I no longer owe these two accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, you are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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 XXXXXXXX XXXX Balance : {$1100.00} ; XXXXXXXX XXXX  XXXX Balance : {$18000.00} ; XXXX XXXXXXXX Balance : {$14000.00} ; XXXX XXXX Balance : {$780.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$780.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$180.00} ; XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX  ) XXXX Balance : {$1400.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$44.00} ; XXXX XXXX Original Creditor : XXXXXXXX XXXX  ) XXXX Balance : {$240.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$200.00} ; XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX Balance : {$240.00} ; XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$44.00} 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: Checking or savings account

Important first note : Please note, that since Citibank closed my account, I will not be able to provide all accurate information, since I do not have access to my account. 

I have opened a checking account a few month ago, and wire transferred in 4 occasions a total of about {$23000.00} from my XXXX XXXX  personal and XXXX XXXX business account to Citibank. 
The reason was that I have been traveling and Citibank offered free international wire transfer. 
I was then initiated wire transfers from my Citibank account to a bank account in XXXX, XXXX where I have been traveling. 

Citibank first acknowledged my wire transfer ( s ) but just a few days later they closed my checking account without any notice whatsoever. 

I spent countless hours with customer service, verified my identity both via telephone, security questions, text messages, etc... Absolutely no help, no explanation, whatsoever. 

Several weeks later I received a mail saying that my account is in the process of closing, and at some time, if they find that it is my money, they will maybe send me a check. Again no explanation, or anything. 

This was almost three months ago, and Citibank is still unresponsive, sitting on my money, and I am totally helpless. 

I am a retired person, currently receiving unexpected, serious emergency medical treatment in XXXX, and I can not just let my money sit at Citibank. 

PLEASE HELP. 
Thank you, XXXX XXXX XXXX XXXX
Product: Mortgage

My daughter forged my signature on mortgage loan documents and forged my name with a notary. Now my house is in foreclosure. XXXX XXXX Police Department, California Senator, XXXX XXXX, and California Assembly Woman, XXXX XXXX are all trying to help me. My home is in foreclosure and going to sale on XXXX XXXX, 2016 at XXXX XXXX. 

The XXXX will take another year before they start investigating. 

Please read the attached letter form more details Please stop this foreclosure until the investigation is over.
Product: Credit reporting or other personal consumer reports

I did not authorize nor give consent to companies kikoff and kafene to consent to my credit file. This is identity theft
Product: Mortgage

I was terminated from my XXXX job & due to the loss/decrease of income, I applied for a modification. Prior to, I had NEVER been late or missed a payment on my mortgage. Nationstar mortgage declined the modification 3 times & sent me a letter that they were foreclosing on my home. The letter stated the sale date was XXXX/XXXX/XXXX. I went to XXXX for assistance, and was told they did not understand why the modification was denied. After XXXX re-applied for the modification for me and it was denied a 4th time, I had no other choice but to file Chapter XXXX on XXXX XXXX, XXXX ( due to XXXX holidays ). However, on XXXX XXXX, XXXX I received a call from Nationstar. The customer service rep stated XXXX XXXX XXXX ( the person that was handling my modification ) no longer worked in that department, but my modification had finally been approved. I explained that I had Just left the attorney 's office to file bankruptcy, to stop the foreclosure and I would need to contact my attorney to see what to do. XXXX XXXX ( my attorney ) advised me to get something in writing, or by email, to verify the modification had been approved, before he cancelled the bankruptcy proceedings. Nationstar refused to give me anything. In XXXX XXXX, they sent me paperwork to complete a 3 month trial period, before the modification would be finalized & approved. I paid all 3 months, completed the " finalized '' modification paperwork & have paid ON TIME every month since XXXX XXXX. My attorney has informed me that once I receive finalized paperwork for the modification, I can convert to Chapter XXXX, or have my bankruptcy dismissed ( since the foreclosure was the reason I filed ). To date, I STILL HAVE NOT received a finalized modification! Every month I call to pay my mortgage and I inquire on the paperwork. Each time I am told it has to go for " booking '' and once this is done, they will send it to me. I do not understand why it has taken over a year and 6 months, and I STILL have not received these papers?!
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX  XXXX XXXX, XXXX XXXX Opened : XXXX. XXXX, XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX Amount : {$0.00}, and XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$5500.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was told that the process of applying for mortgage would not impact my credit score adversely. My FICO score was XXXX ( Excellent ) after over 8 years of hard work and discipline. I started the process of buying a home only after I had achieved FICO score of XXXX ( Excellent ). 

Everything has gone smooth and the closing is on XX/XX/ 2019 and to my surprise I find that my FICO score has been substantially and negatively affected. It has fallen by 29 points ONLY due to " too many inquiries ''. All of these are directly related to seeking a mortgage to buy the home chosen. 

Something with wrong in terms of what we the people are led to believe and what actually happens. And then " people '' have no effective means to address the mischief by banks and credit reporting agencies that collude to indulge in legalized extortion. 

Please help directly or indirectly by pointing me to some direct & effective actions that I can take.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX, US Dept Of EducationXXXX Account # XXXX, XXXX XXXXXXXX Account XXXX XXXX XXXX has 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 reporting, credit repair services, or other personal consumer reports

I had a motorcycle lease with Motolease , LLC. I closed the account at the beginning of XXXX. XXXX is still reporting that my account is delinquent. They have reported a delinquent status for the month of XXXX and XXXX. I have spoken with 3 different people who have admitted that there was an error on their part and that it would be fixed on their end. To this point, it has not been fixed. This error has been hurting my credit tremendously and I am not getting any positive feedback from XXXX. I have asked for correspondence to be emailed to me so I could send it to the credit bureaus and they have failed to do so numerous times. I spoke with a supervisor who ensured me that they would send me documentation and each time they have failed to do so. When I did speak with someone, they told me to " just dispute my credit report ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

Public records suppressed from reporting as public information. All three credit bureaus are knowingly reporting public records information even after provided a letter from XXXX XXXX who provided the public information to the credit Bureaus. Method of verification or reporting is obsolete since suppression is in place. I have attached a copy of suppression letter
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX XXXX  and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed. 

They are not in compliance with the following law. XXXX XXXX XXXX and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

XXXX XXXX XXXX ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Credit card

I am writing to formally raise a complaint regarding a highly concerning and unauthorized incident that occurred during my visit to a XXXX XXXX store in XXXX. 

During a routine shopping trip, the cashier at the counter asked me for personal information under the pretense of routine questions. However, without my knowledge or consent, he proceeded to open a credit card account in my name. By the time I inquired about the reason for his questions, he informed me that he had already applied for a credit card on my behalf. 

I immediately requested him to cancel the application, but he stated that it could not be canceled as it had already been processed. He directed me to contact the back-end agent and customer support team for further assistance. I promptly called customer support, who informed me that the account could not be canceled because a transaction had already been posted on the account. They advised that I would receive my first statement within 1520 days, after which I could clear the transaction and close the account. 

However, despite waiting for three months, I have not received any statement, notification, or communication from the XXXX XXXX XXXX department. Recently, I noticed a negative impact on my XXXX XXXX due to a reported missed or late payment from XXXX XXXX. Upon contacting customer support again, I was informed that no statements were sent because my email and home address were not on file. 

This situation is completely unacceptable. It is evident that the actions taken by your staff were unauthorized and fraudulent, and the subsequent handling of this issue has been grossly inadequate. I am deeply frustrated and concerned about the impact this has had on my credit score and financial record.
Product: Debt collection

SUMMIT ACCOUNT RESOLUTION has violated my consumer rights by reporting an alleged debt to the credit bureaus, This false information is now affecting the chances of me to obtaining a credit card and affecting my livelihood. I never contracted with SUMMIT ACCOUNT RESOLUTION. SUMMIT ACCOUNT RESOLUTION never contacted me. I do not owe this alleged debt
Product: Debt collection

XXXX XXXX XXXX contacted me on XX/XX/XXXX stating I have a complaint going to court for a hearing on a debt for GE Capital a company that is now Synchrony Bank. They could not give me the full account number or what type of debt it was. Stated I owed and can make a payment plan with them. When I asked more questions my answers became " we just give courtesy calls we don't know anymore information ''. When I asked for the creditors information all I got was the name. I explained I don't owe any debts as I graduated a debt consolidation program. All I wanted was more information on the debt but they refused stating I will get a certified letter for court if court happened. Company has several scam reports online and with XXXX XXXX XXXX and XXXX XXXX were my points of contact their. XXXX misspoke several times on a recorded line and XXXX states they only collect creditor names and balances and call people considering she had no more information than that to give. This company needs to be reviewed for scamming and harassment XXXX stated they have been trying to reach me since XXXX.
Product: Vehicle loan or lease

I purchased a vehicle on XX/XX/XXXX, and yes the date is correct. I had a problem paying this predatory loan in the beginning. In XXXX I paid the bulk of this loan which should have paid off the loan. I have requested an audit several times and I have also asked them to remove this from my credit file because they haven't provided me the information I requested. I sent a certified letter in XX/XX/XXXX and still to date I haven't received an audit on my account. They are claiming I still owe {$1800.00} but haven't provided me any proof. Santander was sued for their predatory lending practices and have been sued in several states. I purchased my vehicle in XXXX it's been XXXX  years and they still have this mess on my credit report with a slated date for removal of XXXX XXXX this is still affecting my credit and it's unfair because the statute of limitations in XXXX  is XXXX  years, but I live in XXXX  now and statute of limitations is 6 years for bad debt. In either state, my statute of limitations has PASSED! They never responded to the last request in XX/XX/XXXX and as you can see I have given them more than enough time. In addition, they reported my account charge-off for months on my credit file. If the account was charged off once how could they charge it off over and over again that's illegal. I request that they remove this from my credit file at once!!
Product: Credit card

Numerous unauthorized charges from the merchant XXXX network. These charges began XX/XX/year> until XX/XX/year>. These charges range from {$1.00} to {$53.00}. There are numerous repetitive charges. I brought this to the attention to Chase on XX/XX/XXXX. The total was {$840.00} and in addition I was charged a late fee of {$29.00} and interest of {$57.00} while disputing these chargres. I have only received XXXX check for {$140.00}. I have paid the bill in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX should not be reporting a collection/chargeoff in the amount of {$2500.00} on the XXXX XXXX partial account number XXXX. ( Please see pages attached from my credit report. ) This collection is now being handled at a law firm and should not be reporting. This is a violation of the Fair Credit Reporting Act. This continuing to report a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Money transfer, virtual currency, or money service

XXXX of XXXX, i called chase customer service to report un authorize transactions. I was told a claim was filed. a week after i called back to follow up. I spoke to XXXX ( representative ). she said that the claim was closed due to incorrectly filed. that same day XXXX was able to assist me to open a claim and I went to the nearest Chase brach to verify if it was correctly opened this time. i also requested the bank if i its possible to close the account and re open a new one and change all the Credit/debit card since i'm no longer comfortable using it. i was told that the account can not be closed only restricted since a claim was opened. Since XXXX, I don't have access to my online account until recently in XXXX, they reinstated my online access. Every week i called customer service to follow up my claim and XXXX ( claim department representative ) he was assigned to help me with my claim. he told me that my claim was denied due to these reasons : theres no changes made to the account information nor device registered on the account. i also asked him how come nobody notified me of the transactions? no email, text or call received from Chase to verify identity nor grant access to the transactions. normally they will send me a notification to grant access to any transactions exceed {$100.00}. i also asked XXXX, to provide me with a detailed information about the transactions including the receiver name and bank. XXXX only informed me that all he can see is the XXXX bank located in XXXX which it shows scam/fraud bank. he could not provide me with further details to whom it was sent to. Every time i call Chase customer service they would just keep transferring me to different department and mostly have different answers to my questions. the last customer representative told me that someone called me once was they were told they got the wrong number and so they never called back to inform me of the transactions. i informed them that if they can track my account activity, i mostly use it as an emergency fund and recently use it as my savings account since my XXXX was compromised last year XXXX which was link to my XXXX XXXXXXXX XXXX. i informed them to hold all further transactions from Chase. all transactions will be made at the teller.