23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On my birthday XX/XX/XXXX I received the first phone call from IQ Data International located in XXXX, XXXX where I had lived until XX/XX/XXXX. I was informed they were collecting a debt for about {$190.00} for XXXX XXXX XXXX where I had lived until last XXXX. They told me this company had sent me a letter advising me of the charges around XX/XX/XXXX but I never received any such letter at the forwarding address I had given with my notice to vacate. Plus, I dispute the charges. The charges are for {$88.00} in back rent and {$100.00} for cleaning. I was given what I owed when I gave my 30-day notice to vacate and that is what I paid and I moved out on time and returned all keys. I cleaned my apartment and the manager refused to do a walk through inspection even though I made myself available on two days. This collection agency states it said in my lease I would still be charged for cleaning which the complex does before reletting the apartment. I told them my lease only stated cleaning charges would be charged only if I had not cleaned my apartment. Any professional cleaning they decide to do later is on them. In addition, IQ Data International never sent me any written notification of this debt. They kept calling and threatened to ruin my credit. I asked for written notification of this debt over ten days ago and still have not received it. When I requested written notice of this debt they had to update my address in their system as provided to them from XXXX XXXX. XXXX had given their mailing address as my address to IQ Data! So, in essence they never sent me any writing about those charges. I contacted the property management XXXX XXXX in XXXX, XXXX and spoke with a XXXX about 3 times. The first two times she said she would provide my dispute to the regional manager there in her office and I would be called back. I never got a call. On my third call to XXXX she told me the regional manager had not provided a response and the charges still showed on my account. This all happened over a week 's time. I sent an email to the manager, a XXXX XXXX, at XXXX that showed I had filed a complaint with the Oklahoma Attorney General. She gave the usual excuse for not doing anything and that is that management there has changed since I vacated my apartment and that I could easily dispute the charges with the debt collector. Well, no. One can not easily dispute charges with IQ Data International. I did send a copy of my notice to vacate to the email address IQ Data gave me to dispute the charges. That was on XX/XX/XXXX. I have not received any reply on that either.
Product: Student loan

Can not gain access to my account to check what is due and when it's due. I also need the letter that states that my loan is in deferment status because as of right now all i have is an email from one of the service agents. It's just a little frustrating when you are trying to gain access to your account and all links to every web page is down or not accessible.
Product: Credit card or prepaid card

On XX/XX/XXXX I had went shopping at XXXX XXXX I spent {$130.00} then left. When I left I was going to meet my brother at his home and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I noticed on XX/XX/XXXX when I went to go pay my rent my card kept decling. So I got onto the XXXX app and to my surprise my balance was almost depleted. The last place I used my card was at XXXX 's on XX/XX/XXXX for XXXX I seen a charge at the same XXXX 's an hour or so later for {$53.00} which I knew I didn't do because right after I spent {$130.00} with-in XXXX minutes XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was in XXXX from XX/XX/XXXX until XX/XX/XXXX and most of XX/XX/XXXX I was on XXXX XXXX XXXX XXXX.. there's no way I was out shopping.. I called XXXX and gave my permission for my XXXX XXXX to speak on my behalf so I could report unauthorized charges. The woman on the phone went through the charges and was told that disputes were filed and new card was on the way. I called everyday and the card was never deactivated until XX/XX/XXXX or XXXX I had contacted XXXX XXXX  once about this and a XXXX named XXXX had replied to my complaint stating that XXXX had no knowledge of me filing any disputes. So since XX/XX/XXXX through XX/XX/XXXX I had been trying to file unauthorized dispute charges with XXXX. I was told twice to file by mail or to fax.. I had mailed in disputes on XX/XX/XXXX and again on XX/XX/XXXX never head about my disputes from anyone. So I tried faxing my disputes. On XX/XX/XXXX I waited heard nothing. So I sent another fax on XX/XX/XXXX waited heard nothing. Then again on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX... I explained everything I've called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and everything the customer service agent said that they would put that in my notes. I was able to call and speak better then I had in the past on XX/XX/XXXX and asked if my disputes had been investigated and the customer service agent said there was no disputes maid. She asked how I made these disputes I told her what I told you above. She asked what fax number was I sending my disputes to I told her and she said that it was a fax number for XXXX but not the disputes department. So more then once I was given the wrong number to send my disputes, the letter explaining why there unauthorized, my police report and XXXX XXXX XXXX paper work.. for months I have been trying to dispute these charges and for months I have been getting the run around. The customer service agent on XX/XX/XXXX gave me a claim number and a what I hope was a good faxing number to send all my documents to. I have attached in my complaint police report, XXXX XXXX paper and all the receipts that I was sent through my faxing app showing I had been trying since XX/XX/XXXX to file unauthorized charge disputes. I know you record all phone calls you will see all the times I called.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX OH XXXX SSN : XXXX Date of Birth : XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX TRANSUNION FILE NUMBER : XXXX RE : XXXX  Block Request Dear Sir or Madam : I am a victim of XXXX. The information listed below, which appears on my TransUnion credit report, is the result of that XXXX. 
Accounts : Account numbers : Date Opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I also need the following names and addresses be removed from my TransUnion credit report which is as a result of the XXXX. 
Names to be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX And I am asking for the following addresses to be removed which is also because of the XXXX  : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX I am finally asking the following Employment Data to also be removed which is also as a result of the XXXX. 
Employer Name : Date Verified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I have attached a copy of my SSN card, Valid IDs, and a copy of signed self attestation form to prove I am human who has been a victim of XXXX, so I do not need TransUnion to say or write me and say they could not verify me or my account. 
Please block this information from my TransUnion credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. Section 605C ( b ) states that consumer reporting agencies can not provide consumer reports with adverse information about consumers who have been victims of human XXXX  or XXXX XXXX  if the consumer has provided documentation of XXXX to the agency. I have attached documentation of my self attestation to you TRANSUNION Survivors do not need to provide additional evidence to prove their connection to XXXX, beyond self-attestation. 
Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX
Product: Checking or savings account

first i was ripped off by XXXX  and their XXXX XXXX  to the tune of XXXX dollars. when i filed a dispute with regions to try and get my money it didnt work. so i got mad and closed my accounts with them but left my checking account open with XXXX dollars in it. a week later they charged me a checking account which overdrafted the account. then i received a refund from XXXX for XXXX dollars which should have left XXXX dollars in there. now that transaction has disappeared along with the rest of my money!
Product: Checking or savings account

I went and spoke with the manager at the XXXX XXXX location in XXXX NC, due to I made a routine deposit ( My paycheck ) that Ive been doing for the last year every two weeks. My deposit went through fine on Friday XX/XX/XXXX. Saturday XX/XX/XXXX I checked my account and the deposit was placed on hold. So I went to the bank and the manager didnt call anyone, he didnt look up my account he just insisted there was nothing he could do. When I asked why and for him to look into the account or to call someone to figure out what was going on he replied if you were rich, this wouldnt happen Now I do lol Ive paycheck to paycheck like everyone else so that remark was uncalled for. 
He proceeded to have someone call to see what was going own, they tried to say it was with my XXXXXXXX XXXX XXXXXXXX XXXX XXXX. But I had copys from the bank and a statement from my employer showing that its not the case that the money cleared with them on Friday after the deposit. 
The manager then told me there is nothing he can do and he can not give me a reason as to why. I asked him to close my account and he refused then made comments about my age. My age has nothing to do with my account , st the end of it all he said if I didnt like the rules then I can go to another bank but they wouldnt close out my accounts. Once this matter is handled after me having to wait 3 weeks to get my paycheck, I will have bills over due and Bank of America can not give me a reason as to why when the check was cleared within less than 24 hours of my deposit so I will close the account once it clears and Ill never bank there again.
Product: Checking or savings account

I'm trying to use a platform to load money into my account and business purposes, but pnc is one of the only bank that wouldn't allow you to accessories banking details thru a 3rd party
Product: Mortgage

My issue is the ongoing negative derogatory impact on my credit report, over and over again I have been denied credit loans and refinance options because my mortgage loan servicer is still reporting Qty : 19 Missed payments for BofA XXXX XXXX # XXXX, even though the Account was " Paid and Closed '' on XXXX 2012 ( 43 Months Ago ). An additional Qty : 7 Missed Payments are showing on BofA Loan XXXX # XXXX, where a home loan modification agreement was reached to get this account back to current/favorable status. Loan XXXX qualified and was " Paid and Closed '' on XXXX 2012 ( 43 Months Ago ), under the fraudulent loan provision of the National Mortgage Settlement, Which by law allowed me to claim tax exemption for the loan debt forgiveness under the Mortgage Forgiveness Debt Relief Act and seek credit repair for improper loan servicing practices. Loan XXXX was also renegotiated thru a loan Modification.
Product: Credit reporting or other personal consumer reports

in accordance with the Fair Credit Reporting and XXXX XXXX XXXX XXXX Account # 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 or other personal consumer reports

This letter is to formally notify you per the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX, XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. DISCOVER BANK is a financial institution by definition under 15 USC 6801. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' DISCOVER BANK the financial institution and the Consumer reporting agencies XXXX, XXXX, XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, XXXX, XXXX and DISCOVER BANK whether it be verbal, non-verbal, written, implied or otherwise is revoked.15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' DISCOVER BANK never informed me of my right to exercise my nondisclosure option. Not only that, 15 USC 1681C ( a ) ( 5 ) states " Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting without my permission which is against the law.15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX, XXXX and XXXX are not maintaining reasonable procedures. Also,12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting this account out of your reporting services effective immediately.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information that is being reported on my credit report. 
Specifically, the following items are incorrect and are negatively impacting my credit score : Account Name : XXXX  XXXX Account Number : XXXX Reason : I dispute the missed and late payments reported on this account, as they do not reflect my payment history. Please provide all statements and records of payments since I opened this account. I disagree with the results of your investigation and request proof supporting the negative payment status. If no such proof exists, please delete this damaging information. 

Account Name : XXXX Account Number : XXXX Reason : Im deeply saddened by the negative payment status on this account, which I believe is inaccurate. Please provide statements showing the exact past due amounts and the date this account became negative. I can not agree with your investigations results. Please mail me the proof supporting this negative status or remove this damaging information. 


Account Name : XXXX  Account Number : XXXX Reason : Im deeply saddened by the negative payment status on this account, which I believe is inaccurate. Please provide statements showing the exact past due amounts and the date this account became negative. I can not agree with your investigations results. Please mail me the proof supporting this negative status or remove this damaging information. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : Im deeply saddened by the negative payment status on this account, which I believe is inaccurate. Please provide statements showing the exact past due amounts and the date this account became negative. I can not agree with your investigations results. Please mail me the proof supporting this negative status or remove this damaging information. 

INQUIRIES : 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 XXXXXXXX XX/XX/XXXX These items are inaccurately reported or should have already been resolved, yet they remain on my record. Ive tried everything reaching out to the credit reporting agency and the data furnisher but the issue still haunts me. 
Ive attached all the proof I have documents, screenshots, everything showing the errors on my credit report. Please, I ask that you thoroughly investigate this and correct the mistakes. This has weighed on me for so long. I just want my credit report to reflect the truth.
Product: Debt collection

Hello Sir/Madam, Company involved : XXXX XXXX XXXX XXXX, XXXX XXXX, myself Issue : XXXX XXXX XXXX XXXX provide cosmetic service to their clients related to growing hair by selling service and products. I end up walking into their XXXX location where sales person describe me their service and asked me to sign formal agreement if i choose to continue with the service. I did sign document but realized with current medical situation I ca n't take chances with any chemical products provided by them. so i changed my mind and did n't visit their center at all. 

As per agreement they charging upfront approximate {$2000.00} amount to bank and Bank called me with payment of XXXX, with my dispute to them they gave partial refund and as per current statement I still owe XXXX amount ( interest included subject to increase with delay ). When Bank called me for XXXX amount, i asked bank i never got physical card under this agreement and you taking this service as credit service, can I see itemized amount of XXXX where it been used? Bank gave me lame excuse - " We cant provide details of the transaction " even i can login to the credit card statement. 

XXXX XXXX not giving refund of the credit line they opened with bank under my social security, and being as consumer i do n't have rights to know what 's going on with the credit line between Bank and XXXX XXXX. 

Please help me to resolve the issue, i did n't use penny service from the service provider due to medical reason, they did n't give full refund and bank asking me for payment with my question to them about transaction detail they could n't answer me back. 

I feel harassed, continued call from " XXXX '' with the lame excuse from them " they ca n't provide details on credit line transaction due some reason they did n't give me reason either. " Thank You XXXX XXXX
Product: Money transfer, virtual currency, or money service

I sent XXXX to an address generated for my account, using 2 separate transactions, initiated : XX/XX/XXXX XX/XX/XXXX The XX/XX/XXXX transaction confirmed immediately and I sold and transferred to my bank.

The XX/XX/XXXX transaction confirmed on XX/XX/XXXX, but never got credited to my account This transaction showed as pending for 4 weeks, but eventually disappeared entirely from my account. However, both transactions can still be seen in the blockchain public ledger.

I attempted to resolve this with the company multiple times, with communication on : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX On XX/XX/XXXX They reviewed and closed the case, reporting that the transaction and sale was successful. The reviewer completely ignored the other transaction that was never credited.

I have re-opened this case, however, Coinbase has not responded in a timely manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unable to recover logging information. Online system keeps asking for secure information but it never allows to recover user ID. Unable to create or contact customer support for Experian.
Product: Credit reporting or other personal consumer reports

I requested validation of a debt from Mariner Finance on two separate occasions. I sent a letter via certified mail on XX/XX/year>, to which they responded precisely one week later by requesting identification. 
On XX/XX/year>, I sent them another validation letter by certified mail, this time including photo identification ( a copy of my driver 's license ). It is now XX/XX/year>, and I still haven't received a response from Mariner Finance, and they have since failed to validate the debt.
Product: Debt collection

Medicredit has placed a collection on my credit reports with a date open of XX/XX/XXXX. The first collection letter received had a date of service of XX/XX/XXXX and subsequent letters were sent with a date of service listed as XX/XX/XXXX. This company has inserted this alleged debt with a date opened as XX/XX/XXXX in an attempt to re-age the debt. This is a major violation of the law. I have sent Medicredit a debt validation letter dated XX/XX/XXXX via certified mail and they have not responded but continue to report this erroneous file to the credit bureaus. I have also sent method of verification request to both XXXX  and XXXX and they report back that the collection agency has verified the information. How can it be verified with the reporting of inaccurate information or validation of the debt after requests?
Product: Credit reporting, credit repair services, or other personal consumer reports

I am over XXXX years old and have been receiving unwanted calls from different numbers. I have been suffering from XXXX XXXX XXXX and these unwanted calls affect me very much. On XX/XX/XXXX at XXXX XXXX, ( XXXX XXXX XXXX - said this agency wants me to enroll on Forgiveness Program. I never loaned to go to any school in my life. The agent asked me to call a toll free number XXXX to complete my " file ''. On XXXX XXXX  of XX/XX/XXXX, another number XXXX XXXX XXXX XXXX left a message on XX/XX/XXXX saying that I should reach their office so they can take a necessary action about a proceeding case and the deployment # XXXX. A robocall ( XXXX XXXX XXXX left a message on XX/XX/XXXX at XXXX XXXX  only saying " Hello, this is XXXX with the finance '', and kept repeating. On XX/XX/XXXX at XXXX XXXX, this phone numbers ( XXXX XXXX XXXX left a message about student loan that I never borrowed, left a toll free numbers ( XXXX XXXX XXXX. Prior, the same person called and left a message on XX/XX/XXXX at XXXX XXXX, XX/XX/XXXX at XXXX XXXX, XX/XX/XXXX at XXXX XXXX. On XX/XX/XXXX, agent with direct phone number XXXX XXXX XXXX XXXX left a message about " federal student loan repayment ''. Again, I did not borrow or file for a student loan. There were occasions that I looked for online classes because of " work source '' website but I did not apply for a student loan and I didn't pursue any online class at all. Thank you for the investigation.
Product: Debt collection

Lockhart is trying to get XXXX bucks but I have medical insurance I was in a car wreck so they were supposed to pay for my debt didn't know it was gon na be on my credit