23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

NorthStar Location services out of NY has contacted many of my family members, friends and even an ex ( who I haven't been with in 7 years ) SEVERAL times in the last 6 months. I have and others have told them to stop calling or harassing. I put my number on the do not call and then also have not sent me anything in the mail, ALL has been phone calls. There has to be some kind of relief against this type of harassment and embarrassment they have caused our family.
Product: Credit reporting, credit repair services, or other personal consumer reports

My problem is with Experian. They continue to list a closed account ( which I have been making regular payments on ) as part of my revolving credit card debt. Because they only list the amount of this account as a debt, but not as available credit, it makes my ratio of debt to available credit look way too high. I brought this issue up with all three credit reporting agencies.  XXXX  and  XXXX  fixed it. Despite numerous times trying to get Experian to fix the problem it is still there. That means I have scores in the  XXXX  with the other  XXXX  agencies and a score of  XXXX  with Experian. I would like help making them understand that this closed account is not a part of my revolving credit debt. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  has  XXXX  items on my credit report that do not belong on there.   XXXX   1.   XXXX   XXXX  Was never late and that account does not even exist anymore. They have even said in the statement they can not verify it but they keep reporting it as paid late. The account was never late, it was never defaulted on. Make them remove this immediately, it is past the 7 years that it is supposed to be reporting anyway.   XXXX  2. On my   XXXX    XXXX  they have a negative comment that I had disputed this account with them, why it has never been late and always paid on time. Remove this comment immediately.   XXXX  It is apparent they are trying to hurt me financially.
Product: Checking or savings account

Hello, I have submitted two pervious complaints about the unethical practices of Citi. I opened an account with Citi and they would not give me access to my account and continued to flag my account for fraud because I didn't have what they considered to be the right phone number. 

I don't live near a Citi bank so I ended up flying to XXXX  specifically to deal with Citi and unlock the account. I went into a branch near XXXX, gave my ID and passport to the manager and sat for an hour while he unlocked my account. He apologized a lot for the inconvenience and was super helpful. I should have closed then and there but the manager was so helpful and assured that was a unique incident. He even updated my phone to a new number on my account. 

I left and went back to my home away from a Citi bank and within days my account was blocked and I could not do anything because they said my phone number wasn't correct again. So I used my checks to withdraw all the account 's funds and sent an email to the bank manager in XXXX as well as called the Citi hotline numerous times, but again, they would not close my account because they said they couldn't verify my identity because of my phone number. 

Then, they have continued to send me emails saying I owe THEM fees because I didn't close the account and the balance was 0. Recently, they sent a message saying they closed my account and I owe them XXXX $ or they will send to collections. 

How is this possible? They wouldn't let me close the account over the phone or online, I don't live near a branch and the only option they provide is to fly to a close branch and do it in person. They already locked me out of my funds for over 5 months and forced me to make a trip to a city with their branch because of their obsolete protocols, then they won't let me close and try and charge fees??? 

I am extremely happy they closed my account as I want nothing to do with this awful bank and I have already opened accounts with other more reliable firms, but charging fees for not closing my account sooner when they blocked me from closing my account sounds like it should be illegal.
Product: Credit reporting or other personal consumer reports

I am sending my CFPB complaint today to inform you that I am a victim of fraudulent activities. In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation into these inaccuracies and the subsequent removal of the erroneous items. I kindly ask that you initiate this investigation and provide me with a written response within the statutory timeframe of 30 days as required by law. I have attached the important documentation, including payment receipts and identification documents, to verify my claims and request a thorough investigation into this matter. With this, I am asking for you immediate assistance to remove the items that result from alleged Identity Theft. These are the following items that needs to be remove in my credit file right away : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IA XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance XXXX {$260.00} ; XXXX XXXX XXXX  XXXX Balance XXXX {$1500.00} ; XXXXXXXX XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$260.00} ; XXXX XXXX XXXX Balance : {$380.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XX/XX/XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX IA XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX ; XXXX XXXX XXXX XXXX, IA XXXX ; XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$260.00} ; XXXX XXXX  XXXX Balance : {$380.00} XXXX XXXX  XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Debt collection

IQ Data International on XX/XX/XXXX put a collection on my credit reports. It was from an apartment complex in XXXX XXXX Minnesota ; after legally being able to get out of a lease - due to a fireplace that leaked smoke into the unit from adjoining units fireplace. This caused years of damage to my health, and smoke into the apartment. The apartment complex " XXXXXXXX XXXX XXXX XXXX '' claimed they remedy the situation, however according to a chimney inspector professional it was stated that the chimney needed to be rebuilt, as there were cracks in it. XXXX XXXX XXXXXXXX XXXX never took action upon this ; and just documented it on there records that it was fixed. Well due to this factor, and also a continued mold in the walls in the hvac closet & adjoining bathroom wall was a health hazard, and was repaired once, but thus came back again ( reverified in XXXX ), as I was looking at my old apartment # XXXX. However, in XX/XX/XXXX after battling XXXX and XXXX XXXX myself and other half had lost our only son at age XXXX. I with being XXXX was not able to work, and my other half could not continue working due to the stress effects after the death of our son. Therefore, I used the clause in the Lease agreement to move out, and get out of the lease. But, the apartment about 1 month after leaving billed me for a supposed Buy out of lease. The loss of income resulted in XXXX not having any other choice, but to move out and then we became homeless. The end result though was XXXX XXXX XXXXXXXX XXXX sent this non-paid bill to IQ Data International and as of XX/XX/XXXX in the amount of XXXX as a collections which went onto my credit reports. Still to this day almost 5 years later, I have been homeless & no apartments would let me rent and be on a lease. This has wrecked and caused so much anxiety & stress in life, and has ruined my life even more. My apartment at XXXX XXXX XXXX XXXX had been over a period of 13 years ... a very long term and good resident! Under the law regarding XXXX and XXXX XXXX it has applied to a discharge of my education loan, and also applies to Collections. I have contacted IQ Data International on many occasions via email, and the most recent was XX/XX/XXXX. As of XX/XX/XXXX there has been no response via email or my mailing address. I clearly stated this law with a Federal Document showing such, in addition to my verification of Permanent and Total XXXX proof that provided forgiveness to my education loans. This collection company is the worst ever, and plenty of reviews are on the internet that testify to this. IQ Data International if you call will be very rude, make threats, try to get someone to give them a credit card information and push paying the collection in full. There is no professionalism whatsoever, and ignoring my numerous requests is not in accordance with the law. I as a Permanent and Total XXXX individual, also with no income being exempt from this debt, qualifies for my collection to be completely removed from all credit bureaus ... .and immediate action taken.!!
Product: Credit reporting or other personal consumer reports

Unauthorized hard inquiries I have no knowledge I need to be removed : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX. All of these unauthorized inquiries XXXX from XXXX XX/XX/2024 to XX/XX/2024.
Product: Mortgage

The CSR at mortgage company couldn't find the date we were late, also please add the following to complaint XXXX, they are now calling us each and everyday to tell us that we now have a late payment, when we are not late. Same as the past several years and we call mortgage company they stated to ignore the call each and every time. 
Also we are paying a XXXX fee / charge / other - that has never been addressed by mortgage company, we complain about the fee and try to find out what it's for they once again don't know and tell us that they will call us back but never do.
Product: Student loan

Navient is saying I owe them {$70000.00} from a {$30000.00} loan I supposedly received when I was XXXX years old back in 2007. I asked for the promissory letter and have been given the run around and now I have a charge off on my credit report. I have not received a dime from Navient nor have I gave them a dime and I do not understand how they are on my credit report.
Product: Payday loan, title loan, personal loan, or advance loan

On XXXX XXXX XXXX ; speedy cash has attempt to withdrawl {$1300.00} from checking account. This is an unauthorized transaction
Product: Checking or savings account

Square , inc owes me {$1000.00} and they refuse to return my funds back to as of XX/XX/2021. I've verified my identity to them and they currently havey account restricted.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove any account that 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. XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Bankruptcy U.S. Bankruptcy Court Reference # XXXX XXXX XXXX Bankruptcy XXXX Bankruptcy XXXX Reference # XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX Reference # XXXX XXXX  XXXX Bankruptcy XXXX XXXXXXXX XXXX XXXX  XXXX Reference # XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I complained about XXXX XXXX and XXXX XXXX withholding payment information to my accounts for many months. This included an account that had been paid off. Experian investigated and found both accounts unreported. The first reduced balance ( more than {$2000.00} payment ) account with XXXX XXXX caused my score to go up while the paid off account ( more than {$2000.00} pay off ) with XXXX XXXX caused my account to go down 24 points. Simulation on Experian website had indicated that the pay off will have a positive effect and that was a motivating factor to raise my credit score. The simulation apparently lied because paying off my loan reduced my credit score by 24 points. It is had to understand why I am penalized for paying off a debt.
Product: Credit card or prepaid card

I contacted USAA around the XX/XX/2019 to inquire is a Chapter XXXX ( CXXXX ) bankruptcy would impact my secured VISA. I was told it wouldn't, which was a lie. 

My CXXXX was filed on XX/XX/2019 and by XX/XX/2019, USAA had closed my secured VISA account with no notification and they did not use the secured funds to pay off the card. They changed the card to a charge-off status and refused to release the security funds to pay the card off, as I'd requested. They told me to have my lawyer contact them, which he did, twice. They ignored my lawyer 's requests to close the CD and pay off the card. I felt like I was lied to again. 

I then contacted USAA again on XX/XX/2019 to inquire about this same issue and reached a CS Rep that indicated I was misinformed during my previous calls. She put in a claim to have the security funds released to pay off the card and would send me the balance. That claim was denied but no-one notified me. 

I then contacted USAA ( again ) on XX/XX/2019 and went through ~six reps in almost 1.5 hours to get no-where. The call ended with a bankruptcy dept rep named XXXX ( emp # XXXX ) and her manager, XXXX. They both lied again and said the funds would not be released until the bankruptcy was discharged ( which made no sense to me since the card would be paid off so there was nothing for them to use *MY* money for if the card is already paid in full ). I then contacted my lawyer and asked for his assistance.
Product: Credit card or prepaid card

On XXXX XXXX a transaction was made for {$50.00} plus {$4.00} fee/tax totaling {$54.00} from my account to a XXXX XXXX ( XXXX ) via PayPal!! I have been scammed!!! Ive filled a dispute with the above named person to get my money back, also with PayPal and my account holder, but I havent heard anything back from anybody and I have not been refunded my money!!! PayPal tells me I have to file with my account holder and my account holder says I have to file with PayPal!! Its been over 20 days and I still have yet to hear anything or receive my refund
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting an incorrect last payment date and also the incorrect closing date to an account on my credit report. I know for a fact that it is an error on their end because the other XXXX bureaus ( XXXX and XXXX ) are reporting those two things accurately and they are supposed to be getting their information from the exact same source. I have contacted both equifax and the original creditor several times to try and resolve the issue but neither will help because they both keep saying the information is correct. There is no way that it is unless the other XXXX are wrong or vice versa. In my second dispute letter i asked equifax to delete this account due to innacurate reporting but they refuse to.
Product: Credit reporting, credit repair services, or other personal consumer reports

These companies are in complete violation of the Fair Credit Reporting Act 15 U.S.C Section 1681 for Unlawfully obtaining my consumer report. I contacted Equifax last month about these fraudulent inquiries on my credit report and submitted the identity theft report and they did nothing. Its been XXXX  days already. They are violating my consumer rights at this point. I also completed a complaint last month. I don't want an investigation these fraud inquiries need to be removed asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, On multiple occasions with the most recent being on XX/XX/XXXX, I disputed the late payment history of XXXX XXXX XXXX with Equifax. The late payment history for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I did not receive notice that the Investigation was complete and those specific dates were not removed. XXXX has reported the late payment history differently to all three credit reporting Bureaus XXXX, Equifax, and XXXX due to these inaccuracies XXXX removed the XXXX account completely from my credit report. I have provided proof to XXXX that the account was not late on the above listed dates. There has still not been any removal of the late payments to date. Also when I pull up my credit report on different websites such as XXXX XXXX and through XXXX credit bureau that shows all three credit reports for Equifax, XXXX and XXXX, those accounts do not show any late payment history but when I call Equifax it shows a late payment history status. I would like for XXXX to send proof that the payments were late and if they are unable to show the physical proof of the payments history then the items should be deleted from my credit report. I do know what XXXX to give a verbal reason stating that everything is being reported correctly, there needs to be physical evidence to show since I have shown payment history stating otherwise. Thank you
Product: Credit card or prepaid card

On XXXX night I bought a tv and XXXX from Best Buy. At the checkout the guy told me I could get 10 % off if I applied for a card. During the process their system froze. They told me it was happening all night. I purchased the stuff on my regular credit card without getting the 10 % off. Later I received an email welcoming me to the credit card. 
I called today to tell them they card was a fraud because I never finished the process. They said they would cancel it. They then said they wanted me to verify my address so they could send me correspondence. I told them they have my permission to open the account in the first place and I would not provide them additional information. I also told the I was contacting CFPB.
Product: Credit reporting

Doc # XXXX - Equifax told XXXX we were a credit risk which resulted in high risk credit fee. 
Doc # XXXX - this is Credit report from Equifax - nothing indicating high risk. 
Doc # XXXX - Research Request Form to Equifax asking for correction. 
Doc # XXXX - New credit report from Equifax completely different from report of XXXX XXXX. Probably sent to cover up their error in the report to XXXX. No corrections. 
Doc # XXXX - Research request form requesting correction for listing a commercial card that was not ours and an incorrect address. 
Doc # XXXX - Equifax response that did not address either of the two issues in the research request but removed an address which had previously been an address for our association. 
Equifax made a mistake by reporting to XXXX that we were a credit risk ( XXXX confirmed that they had been contacted by Equifax and given this information ). Equifax has tried to confuse the situation rather than correct their error by sending a different credit report ( Document XXXX ). How could this credit report be so different from the first credit report? Equifax continued to try to confuse matters by sending a response ( Document XXXX ) that did not even address the issues raised in the second research request form ( Document XXXX ). 
Again we request that a correct report be sent to XXXX with a copy to us stating they erred in the initial report to XXXX.
Product: Mortgage

I sold my house in a short sale and the mortgage company did not provide me with the relocation incentive. At first they said it was taken to pay off liens on the property but one of the liens was not paid because a release was issued on the lien. After I informed them about this they no longer have any excuses and are not offering any.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the fair credit reporting act to conduct disputed items despite the evidence i provided a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. these failure align with my experience, where Experian has corrected nor removed disputed items despite the evidence i provide, causing ongoing harm to my credit standing .i am requesting immediate corrective action to remove amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting

I mailed a Multiple Inquiry Removal Letter by mail to dispute information, regarding hard inquiries, that was being reported on my credit report. They received the letter on XX/XX/2017 and they completed the request on XX/XX/2017. I also mailed out a letter disputing inaccurate reporting items on my credit that was received at their location on XX/XX/2017 but the request was also completed on XX/XX/2017. According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response 3 days after the receipt of my letter, one can assume that there was no investigation into the matter. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer. I have provided proof of the letters I sent along with the date it was received at their location. Also, I provided proof of the date that their response was written back to me. If I received it on XX/XX/2017 that means it was mailed out before this date.
Product: Credit reporting, credit repair services, or other personal consumer reports

Noticed fraudulent attempts to open accounts at banks and credit unions which appeared on ChexSytems credit report. Contacted CFPB, after unsuccessfully trying to reach ChexSystems, and they corrected some of the illegal attempts with information I submitted. The letter I received from ChexSystems regarding the changes that they made, failed to fix 5 ( eliminate ) other " Hard Inquiries '', some which were at the same banks/credit unions from the previous activity, but with later dates. The same WRONG driver 's license numbers were attached and the phone numbers were incorrect. The SS numbers were correct and the address was correct, except for the Inquiry from XXXX XXXX XXXX XXXX. I called the consumer affairs number for ChexSystems today ( XX/XX/XXXX ) after receiving the letter from them today dated XX/XX/XXXX and was unable to speak to anyone -- -there was only the automated system. It is quite clear that the same fraudulent attempts ( Hard Inquiries ) are still on my account which, if anyone in their fraud department reviewed, should have been taken off. In addition, there is one Soft Inquiry that is fraudulent. It seems to me that ChexSystems is not acting in good faith.