23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

IQ Data International Collection was added to my credit report as a collection fee of {$960.00} for a surety deposit that covered up to {$1500.00} from our previous property management XXXX XXXX XXXX  in XXXX also operating under XXXX XXXX. I called IQ Data to ask about this erroneous debt because the surety deposit was paid in full, we had a separate security deposit of months rent at Northwoods and I also have the email from this property stating that the deposits went through and we have {$0.00} balance. I spoke with a bill collector who was assigned to my file, Mr. XXXX XXXX, and he falsely stated that I owe the entire amount, lied that he sent me notifications by mail and phone which I never received and when I asked the date he mailed them he said I dont know, I dont own USPS. I explained to him I never received any notification, I wasnt aware of this collection and that I had the assurance there was no balance owed to Northwoods or elsewhere. I told him to which e-mail I can forward the email from XXXX property stating {$0.00} balance and he said he doesnt have a company e-mail. The gentleman was very rude, aggressive, interrupted me, didnt let me talk or ask or give clarifications, and was not keeping a calm voice tone. It waa impossible to have a conversation with him, or with anyone else when I asked to be sent XXXX manager or supervisor, and I wasnt able to dispute this because all he was saying was I owe the money and all he can do is cut me deal to pay it today because he said it doesnt matter if I wasnt aware of this or notified by any means and refused to accept my documentation stating there is no amount owed to anyone. He also kept on saying that I dont understand how finaces work. Very disappointed and he kept on saying that I can say all I want but this wont take that off my credit report, so Is rather let him cut me a deal to pay today. I told him I am a XXXX  XXXX  struggling with money and that all I do is ensure I can pay for bills on time and food and necessities for my baby and try to fix my credit to soon apply for a house loan. I dont need this additional stress from something that is illegal and that can never be present to me in writing. I specifically asked to forward me the document he alleged he sent a while ago and he refused to do that, as well. I cant pay for something I am not responsible for and that fraudulent. I came across many complaints filed against the same debt collection company IQ Data International and this is unacceptable to take advantage of poor people and try to ask for money that no one owes! Please, please help me resolve this issue because that person on the phone assured me there is no way to take it out of my report than expecting me to pay something I dont even know what it might represent! I will send them a fax with that e-mail stating no balance is due that the property manager sent me, but I can not have the assurance that anyone will receive it or accept it as evidence, they may completely disregard it. Please advise how to proceed to get this fixed.
Product: Debt collection

Back in XXXX i deposited a check that was sent to me because i thought i sold a entertainment bar.the buyer sent me a check for $ XXXXi deposited it to my wife 's account she had at the time with wells fargo.the buyer told me to keep the {$1000.00} i was asking and to give the people that were going to pick up the bar.i deposited the check into the account and told the teller that i needed {$1400.00} back to pay the company that was picking the bar.i didn't have the amount that i needed in my account.she gave me the {$1400.00} cash without telling to that they needed to verify that the check was good.tthree days later they text me that the ckeck was no good.now i'm in debt for XXXX XXXXXXXXmy wife had passed in XXXX the year before and i didn't want to have a stain on her bank account so i called the debt department, ithink it's in oregon that i was going to send {$100.00} a month.i think it took 2 years to pay it off which i did.My complaint is they did not tell me that they would put a hold on the check to verify it was good.up to this day i think they did me wrong.i would appreciate if somebody would look into this matter.thank you very much.the conversations between me and the buyer wre done by text
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to refinance. On XX/XX/2021 I went online to unfreeze my accounts with XXXX Equifax, And XXXX ( unlock ). I have spent over 4 hours changing passwords, speaking to technical support reps and technical support supervisors. Two technicians unfroze my account twice on Equifax, confirmation numbers XXXX XXXX and XXXX XXXX. XXXX was the worse. I had to log in to TrueIdentity and could not unlock my account and 3 technicians werent able to do either. So my situation was escalated up to a supervisor name XXXX who said she had unlocked my account. My loan officer was still not able to access my credit reports.
Product: Credit reporting or other personal consumer reports

I contacted Experian and requested a Formal Request for Removal of Inaccurate Account Information. The Information is follows : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Date Listed on Report : XX/XX/XXXX, As allowed under FCRA 1681g, I requested a copy of the signed credit agreement that I authorized with this creditor. This documentation is essential to confirm the accounts authenticity. Section 1681s-2 mandates that furnishers of information ( creditors ) provide only complete and accurate data. I request that you verify with the data furnisher that each detail complies with these legal requirements. If the furnisher fails to provide full verification for the full-length term of this account starting on XX/XX/XXXX to XX/XX/XXXX, including proof of my legal and lawful signature and if the account was written off or paid, please also provide a copy of XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  1099 form for tax reporting purposes please remove this entry from my credit report in adherence to the FCRAs accuracy standards. 

Nothing requested was received by Experian however Experian has continued to incorrectly report this account causing me issues with obtaining credit and housing. 

This account has several inaccuracies and I have requested more than 5. times for them to be fixed yet Experian has continuously reported than in error, severely damaging my credit. Section 623 of the FCRA and Regulation V generally provide that a furnisher must not furnish inaccurate consumer information to a CRA, and that furnishers must investigate a consumer 's dispute that the furnished information is inaccurate or incomplete. 
Experian failed to provide accurate info of over 4 months, including the account listed as " Paid Off '' yet they are reporting it as a collection account. If the account was paid off, that would be a charge off, and if it was charged off, WHY haven't I received a 1099 for my tax reporting purposes?
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX Balance Owed : {$640.00} XXXX XXXX XXXX  XX/XX/year>
Product: Checking or savings account

I have received no response whatsoever from JPMorgan Chase Bank in response to my complaint made on XX/XX/year> that closed my consumer deposit account in retaliation for my social media posts and have NOT RETURNED MY MONEY. 

There is no excuse, justification or reason for a bank to seize a consumer depositors funds. The bank has not communicated with me to explain or defend their illegal action. The bank maintains in effect their illegal XXXX of my money and they have done so since XX/XX/year>. 

The bank has my money. I do not have it.
Product: Vehicle loan or lease

Possible Discrimination with disturbing unfair practices On several dates in XX/XX/XXXX and recent contact on XXXX, XXXX, XXXX complete loan verification as Co-signer auto loan. 

XXXX representatives request return call ( no longer effective ) credit freeze on XXXX credit report. 

After several attempts request pull update report, XXXX representatives advised send email credit analyst process XXXX XX/XX/XXXX, XX/XX/XXXX XXXX however no return call and dealerships also attempt help solve problem. Effective, as of this writing Ive called following info and have been hung up or transferred to the XXXX # phone que, with no help to get verification to finalize auto loan. 

Westlake App number XXXX XXXX
Product: Debt collection

My main complaint for today. Portfolio Recovery Associates has not updated any information to the credit reporting agencies. PRA has not updated anything for the past two years. I was unable to have PRA update to the credit agencies. I had tried calling them with several phone calls. They had refused to send out updates to the three major reporting agencies. I was shocked that they would not update anything. I am requesting that they make updates and send them out to the credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

As I informed through this means here at the C.F.P.B. so many times that is now close to 50 complaints, plus the 3 federal Courts system, without including the many times XXXX was contacted before all that, when I never thought this was going to end at Supreme Court of the United States at all, I disagree with the recent elimination at Trans Union, just like XXXX did silently and now they just say those accounts are not at their credit report, of my 2 accounts with XXXX in question, the XXXX XXXX XXXX XXXX  and XXXX Personal Loan. Is not precise either to do that and it does not solve the several years, since the year XXXX  more exactly, of incorrect, not precise, and even fraudulent credit reports by XXXX Bank about my accounts. But this complaint I decided to file, is because there is something new, not able to include in my previous complaints. 
At the same time XXXX is informing here consistently, that my complaints does not belong to them, which is something I disagree, I just found an automated e-mail that is not an automated e-mail, which I was unable to see ( until 3 days later because it ended at the Junk Mail Folder of my e-mail as the print screen image shows, not having this e-mail listed as safe, never received any e-mail from them before ) .The heading of the e-mail says it is an automated response? included as evidence in an attachment so the C.F.P.B. can see, that for an automated e-mail message, the fact is it includes specific information, that normally is not included on any automated response : It includes a specific message directed to myself from XXXX, that says the following. 
I do not like to be receiving 2 messages, one in front of the C.F.P.B. and a different one when the C.F.P.B. is not watching. I took to Court several incidents also where the federal judges allowed and practiced Judicial Misconduct, and this incident where another Advocate is assigned without informing it through the C.F.P.B., is simply not correct. I do not want to hide anything, like they do, so here is and I quote : " This is an automated response, and the email box is not monitored. 

Please do not reply to this email. 

Dear XXXX XXXX XXXX XXXX, Please be advised that the XXXX XXXX XXXX is in receipt of the concerns that were presented to the Consumer Financial Protection Bureau and case # XXXX has been opened for research and resolution. 

Executive Office XXXX XXXX XXXX has been assigned to your case. We are currently in the process of researching the concerns that you have presented and will be in contact with you to confirm the details pertaining to this matter. 

It is our goal at XXXX to carefully review matters raised by our Customers, and we appreciate your patience as we review your concerns. 

How to contact us : Our office hours are Monday through Friday XXXX to XXXX Phone XXXX We appreciate your business and allowing us an opportunity to address your concerns. 

Respectfully yours, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

There are hard inquires on my consumer report that I have no knowledge of and did not authorize
Product: Money transfer, virtual currency, or money service

I have a letter from XXXX XXXXXXXX XXXX stating that they had a cyber attack on XX/XX/year>. My information was stored in the data so somebody was able to hack into my phone and use my digital banking and make fraudulent transactions. I tried contacting the bank multiple times to issue me a refund and I supplied Documents, supporting my claim along with the identity, theft report and the letter from the healthcare department and they refuse to refund my money US federal law states every debit card holder is authorized to provide provisional credit until then investigation is completed and they have not done so
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been seriously compromised and the aftermath to that left my credit ruined. The following accounts are not mines and should be removed immediately. 

1 ) XXXX XXXX XXXX {$21000.00} 2 ) XXXX XXXX XXXX {$6000.00} 3 ) XXXX  {$410.00} 4 ) XXXX XXXX XXXX  XXXX  {$4000.00} 5 ) Dept of ED/XXXX  {$1700.00} 6 ) Dept of ED/XXXX  {$900.00} 7 ) Dept of ED/XXXX   {$200.00} 8 ) Dept of ED/XXXX  {$3500.00} 9 ) Dept of ED/XXXX  {$1700.00} 10 ) Dept of ED/XXXX  {$350.00} 11 ) US Department of EDU {$900.00} 12 ) US Deptartment of EDU {$1700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

First off I am a real person not a 3rd party person or company but I'm and a 2nd year XXXX XXXX  who is studying consumer law so I know a little bit about what I'm speaking about. In accordance with the Fair Credit Reporting Act the following accounts are a violation of my rights under section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days upon notification from the consumer. It also states a consumer reporting agency CAN NOT furnish a account without my WRITTEN consent. No consent is identity theft. FEDERAL LAW OVVERIDES any company policy! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Current victim of I.D . Theft due to information being compromised by the XXXX. I 'm a XXXX. The main company that Im having a problem with is Experian. I have sent all necessary paperwork, yet the still refuse to assist me in restoring and removing derogatory information on my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was contacted about making payment arrangements in my account, I was paying as often as I could and trying to stay as caught up as possible. At that time I was laid off at the time. I didnt want to haves late payment hit my credit report so I asked the representative that I made arrangements with. She stated to me that the company only reports late to the credit bureaus after 60 days. Not at 30 or anytime between 30-60. I did t realized u til months later while applying for a mortgage that they did indeed report to the bureau When I wasnt 60 days late. I tried contacting them when I found out and spoke with a XXXX on XX/XX/07 via their chat system. He was very rude and told me that I did not talk to anyone in his department that would have told me they only report at 60 days because everyone in his department knows they report at the 1st of  every month. I never told him I spoke with someone in HIS department ... I dont even know what HIS DEPARTMENT is. I just informed him that I was told inaccurate information and now my credit is suffering because of the miscommunication and missed info. I believe that this is inaccurate information and the company refused to take care of it. I was never 60 days late and he verified that as well I was 54 days late for XXXX and XXXX but they still refused to fix the issue.
Product: Consumer Loan

Synchrony Bank ( Care Credit ) allowed XXXX XXXX to open a credit line. XXXX XXXX put me ( XXXX XXXX ) as her co-sign for a medical procedure amounting to almost {$4000.00} dollars without me signing anything or being physically present. I, XXXX XXXX have never met nor know who XXXX XXXX XXXX is and I also never gave my consent nor signature for anything involving XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, CA XXXX I have no clue who 's address this is.. why is it on my personal information. I jave never lived at this address or know anyone. 

I am afraid someone might be commuting fraud with my name from this address. Please take this off my personal information!!
Product: Money transfer, virtual currency, or money service

My husband and I bought a Certificate of Deposit on XX/XX/XXXX from First Bank. First Bank was bought out by US Bank in XX/XX/XXXX. On XX/XX/XXXX we took the CD to an US Bank for disposition, but was told that they have no record of the transfer from First Bank to US Bank in XX/XX/XXXX. The CD was for {$1800.00}. I was told by the bank manager that we must have  cashed it in, but this is not true. 

What I've done. 
1. Called FDIC and spoke to XXXX who suggested that I call the State Income Property Office @ XXXX in XXXX, Ne. and CFPB. -XX/XX/XXXX 2. The State Income Property had no record of the CD described. -XX/XX/XXXX 3. Called the CFPB to make a complaint on XX/XX/XXXX
Product: Debt collection

To date, I have received no notices of debt collection, to include my right to dispute, from Credit Control, in accordance with XXXX Notice for validation of debts. I do not owe any debt to Credit Control, or any company, Credit Control claims to represent. I have never had any account nor contract with Credit Control. I never received any written notification regarding debt collection, I never received written notification that an attempt to collect this alleged debt was occurring nor did I receive any written notification of my right to dispute this alleged debt within 30 days. This is a violation of the Fair Debt Collection Practices Act. I do not owe any alleged debt to Credit Control or any secondary company. And I intend to sue and seek damages for each violation of FDCPA if this is not rectified. 

I challenge the validity of the debt, as I have had my accounts, email and other personal accounts hacked into and have had credit applied for in my name that I didnt initiate. I have continued to receive calls in attempts to collect a debt that I do not owe. I had the same issue with this company in 2019, and filed a complaint with CPFB. I am a XXXX veteran and I do not owe any debt and want the calls and attempts at collection to cease. If this does not cease, I will retain counsel and seek compensation for damages.
Product: Debt collection

I sent in a debt validation letter and a cease and desist letter XX/XX/2021. 

The company replied XX/XX/2021 that they are unable to complete there investigation into my dispute because it was missing critical information needed to find my account. The company told me to resubmit my request with primary account holders name, previous mailing address, account number or social security number, and customer signature. 

XX/XX/2021 I resubmitted my request with a debt validation letter and a cease and desist letter with the required info to find my account. I added my previous address along with my social security number and my signature. 

The company replied XX/XX/2021 with the same exact response as the previous letter. Stating ... that they are unable to complete there investigation into my dispute because it was missing critical information needed to find my account. The company told me to resubmit my request with primary account holders name, previous mailing address, account number or social security number, and customer signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried multiple times to get credit reporting agency to correct information they dropped score drastically based from and they continue to make excuses to not fix problem. I have provided data that clearly shows that the information they show on the webpage is not correct. I am attaching to this complaint data that shows they as of this date XX/XX/2021 they clearly show inaccurate information when data shows it is wrong. They claim you can upload documentation to dispute error and yet this step goes no where. They want you to pay for a which done nothing but allow you to freeze account from outside inquiries and yet they claim they can not fix they error and freeze it at credit score that it should be. They can make changes on a minutes notice which hurts you but when it comes to correcting their own mistakes they CAN NOT make score changes. Copy of this claim will be attached to this too.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This was an XXXX debt from XXXX, and settled by XXXX. See attached settlement letter. XXXX. XXXX used XXXX XXXX XXXX XXXX, MN XXXX. Original amount owed was {$1700.00}, settlement agreement amount was {$1100.00} paid XX/XX/XXXX. 
Creditor Name : XXXXXXXX XXXX  Ref # XXXX Account # XXXX I notified Jefferson Capitol of this payment and sent them a copy and advised of legal action if they moved forward, and they did.

I know this is a scam, designed to bypass the 7 year statute of limitations.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a consumer I made Equifax aware of violations on my credit report involving XXXX XXXX, XXXX XX/XX/XXXXXXXX, XXXX XXXX, XXXX XXXX XX/XX/XXXX, XXXX, and XX/XX/XXXX. While the accounts and inquiries were deleted, the violations owed pursuant of 15 U.S. Code 1681n and 1681o were not mailed to me. Affidavits with instructions were sent with instructions on 3 occasions by certified mail. The amount owed for these violations is {$14000.00}. 

XX/XX/XXXX advised that XXXX XXXX XXXX XXXX was not currently reporting on the XX/XX/XXXX credit file, but in the same document shows that they were reporting as of XX/XX/2020. They also still have XXXX XXXXXX/XX/XXXX XXXX XXXX listed when they were to remove that account as well.