23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

My business acct was frozen and it has been frozen for over a month. I can not access any funds and it is destroying my company. They froze {$30000.00} with no reasoning. I have called many times a day and nobody tells me anything but that there is nothing I can do. They can hold my money as long as they want with no reasoning. What do I do. We have been with Chas bank for over XXXX years. And never XXXX issue. Now they just take my money. It is XXXX XXXX stealing. It is not there money to freeze! Please help me
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed with Experian with unauthorized inquiries numerous times and they have ignored my concerns. I have asked them to delete these from my credit report and they have not. I have sent them an AFFIDAVIT OF FRAUDULENT INQUIRY on XX/XX/2022 and they have not sent me the paperwork I have requested nor deleted this from my credit report. These are the following companies I need off my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I have requested XXXX, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXXXXXX XXXX XXXXXXXX FIG TECH INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. 

According to 15 USC 1681i ( 5 ) they are suppose to modify accounts if it isn't reporting correctly.

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 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case.
Product: Credit reporting or other personal consumer reports

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> These are fraudulent accounts they are now mine I filed a identity theft report these are not mine an by law shouldn't be on my account
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to Equifax and XXXX  twice to remove fraudulent activity reporting on my credit. They haven't done an investigation. They keep providing a generic statement that they falsely claimed is verified.
Product: Debt collection

I am writing to formally lodge a complaint against IQ Data International for violating U.S. Code 1692g - Validation of Debts, which is part of the Fair Debt Collection Practices Act ( FDCPA ). Specifically, the violation pertains to the requirement for debt collectors to provide consumers with certain information within five days after the initial communication regarding a debt.

According to U.S. Code 1692g ( a ), a debt collector must send a written notice to the consumer containing the following information within five days of the initial communication, unless this information is included in the initial communication or the consumer has paid the debt : 1. The amount of the debt.

2. The name of the creditor to whom the debt is owed.

IQ Data International failed to provide me with this required information within the specified timeframe. Additionally, the company " Aura Crowne, '' which IQ Data International claims is the creditor, does not exist. This indicates that the debt is invalid and that federal regulations have not been followed.

This oversight by IQ Data International has caused undue stress, confusion, and damage to my creditworthiness. Therefore, I request the following actions be taken immediately : 1. **Immediate Removal of the Invalid Debt** : Remove the invalid debt reported by IQ Data International from my credit report.

2. **Remedy for Damages** : Provide a remedy for the adverse impact on my creditworthiness due to the invalid reporting allowed by both IQ Data International and your consumer reporting agency.

3. **Investigation into Compliance** : Investigate the practices of IQ Data International to ensure compliance with federal regulations and prevent further violations of consumer rights.

This violation of my rights under the Fair Debt Collection Practices Act is unacceptable, and I urge you to address this matter promptly and thoroughly. Please acknowledge receipt of this complaint and inform me of the steps that will be taken to resolve this issue.

Thank you for your immediate attention to this serious concern. 

Sincerely, XXXX XXXX
Product: Debt collection

WHEN I SELECTED " TRYING TO COLLECT THE WRONG AMOUNT '', I MEANT THEY'RE TRYING TO COLLECT {$50.00} AND IT'S THE WRONG AMOUNT BECAUSE MY DEBT IS {$0.00}! THEY HAD SAID THEY HAVE VERIFIED THE DEBT. I HAVE AN EMAIL FROM THE CREDITOR DATED XXXX XXXX, 2023. SAYING THAT MY ACCOUNT IS UP TO DATE. I OWE NOTHING. I'M ONE OF THE CREDITOR 'S BEST CUSTOMERS. THE CREDITOR 'S REP SAID THAT HIS NAME I SHIVAM.

BESIDES, I M JUDGEMENT PROOF. I'M FROM NY, THE DEBT COLLECTOR IS IN GEORGIA. I KNOW A BIT. FOR THIS DEBT TOTALLING A WHOPPING {$50.00}, I CAN'T IMAGINE WHY THEY WOULD SPEND MONEY ON PAPER AND INK TO WRITE THEIR LETTERS, TO TRY TO COLLECT {$12.00}. 
THEY REFUSED TO GIVE ME THE NAME OF THEIR LICENSING AGENCY, WERE RUDE AND OBNOXIOUS. REFUSED TO LET ME TALK, WHILE IT'S NOT NECESSARY TO TELL THEM THIS : THE ATTORNEY GENERAL 'S OFFICE CALLED ME ON M Y PERSONAL CELL PHONE THIS MORNING. AND I TOLD HIM ABOUT THIS. AND WHILE I WON'T NEED A LAWYER, I HAVE ONE IF I NEED HER. I DON'T HAVE TO PAY HER EITHER. OF COURSE, THEY WOULD HAVE TO PAY SOMEONE TO PURSUE THE COLLECTION OF A FEW BUCKS.

IF THEY WANT SOMETHING FROM ME, I WON'T EVEN HAVE TO GO TO COURT. I ' CAN ONLY ASSUME THAT THEY HAVE A HIGH FAILURE RATE, AND THAT MUST BE WHY THEY'RE SPENDING SO MUCH MONEY TRYING TO COLLECT SUCH A SMALL AMOUNT OF MONEY. I WON'T BOTHER FILING A COMPLAINT WITHB TRHE XXXX, BECASUSE I CAN SEE THAT THEY HAVE ENOUGH COMPLAINTS ABOUT THIS DEBT COLLECTOR AS THEY NEED. HOW DO YOU SAY, " GOOD LUCK AND GOOD RIDDANCE. I'LL TRY TO GET TO THE XXXX OFFICE WITH ANOTHER LETTER TO THEM, THIS IS A PIECE OF, YOU KNOW, CAKE.
Product: Credit reporting, credit repair services, or other personal consumer reports

CoreLogic is reporting rental history that belongs to my father XXXX XXXX XXXX for an address on XXXX in XXXX XXXX, Nevada under my name XXXX XXXX XXXX. Ive been attempting to get their records updated by sending them the court records and the Property Managers even sent a letter stating the same but CoreLogic refuses to remove the information from their tenant report on me and its resulted in me being denied a place to live twice as well as over {$300.00} in application fees.
Product: Debt collection

XX/XX/2019 I received 4 phone calls from Conns electronics and a text message ( XXXX ). The phone called were at XXXX, XXXX, XXXX, XXXX. They ask for my sister and I told them that this is her sister number. Then that I will pay the balance today but after they kept calling my work number I got irritated and called them to tell them to stop harassing me and that I am not my sister. I feel as though they are harassing me because of the number of times they have contacted me on my work number, Ive told them to stop contacting me and they still contact me and they are still contacting me after I told them that I am not my sister
Product: Credit reporting, credit repair services, or other personal consumer reports

My issues with XXXX XXXX XXXX. I have written four times pointing out that two accounts are being incorrectly reported. The same matter has been rectified by the two other reporting agencies. adverse entry from XXXX and XXXX XXXX Both events began in XX/XX/XXXX. I was in the modification process with both lenders. XXXX was resolved in XX/XX/XXXX and the account went to current. XXXX   was resolved in XX/XX/XXXX and went to current at that time. 
Trans Union is going back to the seven year cut off but refuses to clear the adverse entries during the period " Subsequent to the commencement of the delinquency '' So some of the adverse entries, both of which started in XX/XX/XXXX and continued into XX/XX/XXXX and XX/XX/XXXX remain on my credit report. I have attached documents to support my position.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX Date of Inquiry XX/XX/XXXX
Product: Debt collection

In 2019 I took out several loans from Speedycash over the span of multiple months and paid them all back except for one. I had this company call me numerous times which I no longer have the log of since I ended up blocking the number. They have called and threatened legal action against me which is actually illegal. 

The debt was then sent to Ad Astra Recovery services and for almost three years now Ive been trying to contact both companies in regards to the debt and how I can settle it. No answer. They tell me to call different numbers but I rather have it in writing or email for legal purposes which they refuse to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth 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 XXXX XXXX XXXX, CA XXXX ; 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. 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 to be updated. 


They are not in compliance with the following law. 15 USC 1666b 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!

15 USC 1666b ( 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 XXXX  days before the payment due date.

TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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! 


Update the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax breech. Their PR website for checking if you were effected by the data breech returns random results. My SSN is on some black market now because of Equifax, who I never choose to do business with, it 's required cause Banks and credit run the world.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two problems with capital one. The first problem is me and my mother submitted an authorized user form on her account in XX/XX/XXXX so my credit report would be positively effected. We are now in XXXX and it has not showed up on my report yet! I have been getting the run around with this as at first I wasn't on there then I was then wait 30-60 days now they can't tell me anything more ... ... .. the second thing is I applied and was approved for the XXXX credit limit walmart credit card around XX/XX/XXXX. I received the credit card via mail, I sent them the front XXXX back of my license and ssn which I have never had to do for a credit card company as that should be on my application when I got approved. I called in checking on my mom 's authorized user status in XX/XX/XXXX and the woman told me my mother created a new account for me instead of the authorized user form. I informed her my mother only wanted me on her account as a authorized user and not a whole new card. The lady said no worries and cancelled that card she said my mom signed me up for instead of the authorized user. Turns out she cancelled MY walmart card which had nothing to do with me being an authorized user on my mom 's account! So, they closed my card out before I could even really use it! That costed me XXXX points deduction on my credit report! I also have a hard inquiry on my report for no reason at all since they cancelled it without my permission! Is the whole capital one company a joke or are they trained correctly? I want this fixed!!!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft. Per FCRA section 605 you are required to BLOCK any account listed on an IDTheftReport # XXXX. Ive already included this report in a previous letter & I have included it again. This letter is to notify you if you do not block the listed account on my report I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. This is your final warning. Please remove the following items listed on my fraud report. Please re-investigate this matter and correct the disputed item as soon as possible. XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a Vitim of the consent order that was filed against XXXX XXXX XXXX XXXX ( XXXX ) that addressed the Bureaus finding that it violated the Fair Credit Reporting Act ( FCRA ). XXXX has continued to furnish inaccurate information regarding to credit bureaus with account information that is completely inaccurate and does not belong to me. I have contacted XXXX XXXX XXXX XXXX multiple times and the company has failed to provide information regarding this debt and has not removed this debt from my credit report which has impacted my credit score and access to credit. Additionally XXXX has reported varying information regarding the CRA 's and has failed to verify the accuracy of the information reported. XXXX XXXX XXXX XXXX has a known history of predatory auto lending and request the details of this complaint are investigated promptly. 

I have contacted the Transunion, XXXX, and XXXX  who have also failed to accurately investigate these concerns in a timely manner and resolve this complaints noted. Additionally, the bureaus have failed to provide details regarding the investigation.
Product: Checking or savings account

I stayed at this hotel in XXXX, when I got scammed into getting an apartment, I was struggling and this hotel after staying there for like a month, everything they take my deposit they will not give it back, when I complain they start treating me different, the last week I was there, I have the money to book the hotel room, which I did, paid for, just because I could not afford to pay security deposit, they did not let me stay, and call the police on me. When the offices came, they even feel sorry for me, because I have my two service animals with me and we have no where to sleep and I I have already paid for the hotel room which I never gotten refunded for, The office they where the one that went across to the other hotel and book me a room there. 
So this hotel keep all my previous security deposit and even charge my card again saying for cleaning fees, which I make sure I clean every time I am to change room. 
When I file depute with my bank and provide them with all receipts and information, they first give me credit for some of the money and later came back and took the money saying I loss the case against the hotel. And I have been talking and giving all the information I have yet still my account is neg over XXXX $ I am asking for your help
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start legal action. Its my intention to not pursue any legal action so please adhere to the law XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX Opened XX/XX/2017 Balance {$3500.00}
Product: Debt collection

I noticed on my credit report about 8 months ago that this company on my credit report is trying to collect a debt from me that isnt mine. I tried calling the company but the customer service was horrible.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX who has no sold their bank has been reporting my payments late to the credit bureau and I am trying to sell my house to down size after a divorce. THe company did not even have an automated system in the beginning of 2017 all payment went through XXXX XXXX as well they have a p.o.box that you remit payment and as you will see on my bank statement the payment constantly cleared on the XXXX of almost each month but on their activities report posted on the last day of the month. I have all the proof that the company is wrong and they are hindering my process of purchasing a home. They were a small mom and pop bank that held payments nd posted them to get additional feel in the month of XXXX or XXXX they held a check for an entire month due to know account number ad my name and address was on the check. They returned the check a month later ( how did they know my address ) because it was on the check in which they could have applied my payments. Again please consistently look at how they cleared and posted my check pretty much the same time every month. I have never been 30 days late this process has taken over 40 days and I need them to remove the lates now since I do have proof of payment and when they cleared.this was a bad mortgage and 95 % of the homes have gone into foreclosure because of the company who had completely wrong information. I have given them clear proof there information was incorrect for l years but especially 2017 in which it has taken over 3 months 90 days. i have correspondence with 7 different claims ofmy reporting, I have been forced to spend money that on obtaining an attorney. i have been a customer for 14 years and they will not give me a number to their attorney nor suppervisor.the must change my report and I am seeking damages and I want all of upper management and legal departments information
Product: Credit card

My complaint concerns the interest rate charged by Synchrony Bank, which handles my department store credit card : Belk. In XXXX, XXXX the APR for purchases was 25.49 % and cash advances 29.99 %. As if that interest rate weren't bad enough, I just got my XXXX statement and within the statement was an attachment that stated, starting with transactions made after XX/XX/XXXX the interest rate for purchases will be 34.99 % ( a 27 % increase ) and APR for cash advances will be 36.49 %. Outrageous. However, a new XXXX has been added, the " XXXX XXXX, '' which will be 39.99 %! In addition, they will also charge {$1.00} for a " paper statement fee. '' My credit score is XXXX and I can afford to pay my bill in its entirety, therefore paying zero interest. What about the rest of the folks out there? There was a time, in this country, decades ago, when credit card companies could not charge these exorbitant interest rates. It is Mob-like usury. If Congress would actually work for the people instead of their social media accounts, maybe something could be done.

My complaint is meant for your information only ; I don't need any follow-up from Synchrony Bank XXXX Thank you.
Product: Credit reporting or other personal consumer reports

I sent a letter to the court reflecting on my credit reports to verify if they report to the credit bureaus. They responded and said no they do not report to any of the three bureaus. I sent the letter the court sent me to two of my credit bureaus and they denied my request to remove the information.
Product: Money transfer, virtual currency, or money service

Movers Scam. Sent Deposit, Services were never rendered. Movers declined refund request and changed their cash app name. Cash app would not resolve the issue even after submitting paperwork.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are incorrect address and credit debt that are reported by companies that I have not done business with capital one and XXXX XXXX