23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

My consumer rights are being violated and thats against the law I did not give consent/permission for my information to be reported on my credit report and want it removed and deleted immediately under FCRA 15 USC 6802 As this is hurting my reputation life liberty and pursuit of happiness
Product: Debt collection

An existing CFPB complaint ( XXXX ) revealed the debt collector had transferred the account back to the original creditor. However, this company stated the account was transferred on XX/XX/XXXX back to Citi Recovery on behalf of Department Stores National Bank. 

If the account transfer is true, I have not received any communication from Citi recovery since this transfer occurred. The account is now approaching 60 days without any communication to the consumer. I have included the debt collection agency 's response ( the text of complaint XXXX below for reference. 


Company responded STATUS Company responded on XX/XX/XXXX RESPONSE TYPE Closed with explanation Company 's Response We are in receipt of the complaint of Mr. XXXX, forwarded to our office through the portal on XX/XX/XXXX. Upon receipt of your correspondence, we documented this complaint and forwarded a copy to our client, Citibank , N.A . In reviewing our file, we find that on XX/XX/XXXX we received Mr. XXXX letter of XX/XX/XXXX, a copy of which he included with his complaint. As Mr. XXXX correspondence advised us of his dispute of the balance, we requested documentation from our client to validate the debt. On XX/XX/XXXX we received the documentation and forwarded a copy to Mr. XXXX for his review. This account was then recalled from our office by Citibank , N.A . on XX/XX/XXXX, and is no longer active on our system. For assistance with this account, Mr. XXXX can reach out to Citibank , N.A . at his convenience at XXXX, and they will be happy to assist him
Product: Credit reporting or other personal consumer reports

XX/XX/scrub>XXXX XXXX XXXX  I filed a dispute with all three credit reporting agencies to remove certain collections because I was a victim in the XXXX XXXX XXXX. They have not provided me with information from these collection agencies on how the debt was validated. These collections were removed from XXXX already.
Product: Checking or savings account

My husband and I opened an account for my daughter, XXXX in CA on XX/XX/XXXX. She attends school in NY and is renting an apartment with international students. This accounts sole purpose is for the rent. 

XXXX activated her Chase Debt Card on XX/XX/XXXX. By XX/XX/XXXX, there were several fraudulent transactions. XXXX called to cancel debt card was advised there were a couple {$1.00} transactions which were denied but 3 others that were approved totaling XXXX by XXXX. Agent advise would see a credit in a couple days. The fact that there were several {$1.00} attempts they could it had been hacked. 

After 2 weeks, I contacted XXXX XXXX, claims dept supervisor. She advise that claim was denied because looked suspicious. I also agreed that it looked suspicious only the bank knew the card was activated. Card had not been used anywhere. She advised I had to provide proof we didn't use XXXX. XXXX only has an automated system and their online instructions say to contact bank.
Product: Checking or savings account

I filed a fraud claim with JP Morgan Chase. The company denied the claim and when I asked for the reason they said " it does not look like the fraud we normally see ''. I asked if they had proof that I authorized someone else to use my card and the representative said " no ''. 

I sent in the appeal letter but still not giving any specific reasons. I've filed my police report as well. No resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my credit report on XX/XX/XXXX, it has come to my attention that XXXX XXXX XXXX has reported to all the credit reporting agencies such as XXXX, XXXX & XXXX that I'm not making any payments where in, Portfolio Recovery Associates, XXXX has forwarded my account to Collections which is XXXX XXXX XXXX amounting to {$5900.00}. Thereafter, the account was settled in the amount of {$2900.00} around XX/XX/XXXX. Settlement agreement stated that Portfolio Recovery Associates accepted the settlement amount less than in full account balance as long as the payments were made in accordance with the negotiated terms. As of present I never been late and still continue to pay XXXX XXXX XXXX {$170.00} every end of the month which comply to the payment agreement. From XX/XX/XXXX to XX/XX/XXXX, the total payments made was {$1500.00} and the remaining balance should be {$1300.00}. Portfolio Recovery Associates, XXXX should update their records in regular basis & correct all the discrepancy that reflects on my credit report. Original Creditor Is XXXX XXXX. 
On XX/XX/XXXX, I have contacted the XXXX XXXX XXXX to bring this problem and was told to contact Portfolio Recovery Associates since they are the XXXX responsible in reporting the account to the credit reporting agencies. I did call Portfolio Recovery Associates but they have declined to help me and told me to cal XXXX XXXX XXXX instead because they are the ones who negotiated the account. I feel like a ping pong ball that time, people pass me through the other & the other pass me through another person. In the end I got no help. On the same day I have contacted all the credit reporting agencies such as XXXX, XXXXXXXX  & XXXX  to report the discrepancy on my account and advised me to submit requirements together with a formal complaint letter which I did the same day. 
I am requesting that the discrepancy stated above be thoroughly investigated and be corrected as soon as possible. I also request that Portfolio send me a notice in writing that they have already fix the problem.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, with no notice, Google shut down my ability to use my account. I therefore attempted to transfer my money out. Per their updated terms, they only allowed {$200.00} transferred out at time without contacting customer service. 

On XX/XX/XXXX I contacted google customer service and requested the withdrawal of all my funds. They said they would contact me within a few hours but not more than 48 hours but did not. 

I contacted them again on XX/XX/XXXX and was told they were working on the issue. On XX/XX/XXXX I received a form that I was told I could fill out to receive my money. I filled out the form. I did not receive my money. 

I began withdrawing the maximum {$200.00} per week. However, today, I went to withdrawal another {$200.00} and was told I could not even take this out. 

I contacted customer support by phone and was told that they don't know why the form wasn't processed and although I transferred the money on the XXXX, that I can not transfer money again for 2 more days. 

I want my money now. I have no access to it. 
Google is a thief. 
I also want interest. This is malevolent behavior by google pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a co-signor for my son 's student loans. I have been paying Navient monthly for over 7 years without a missed payment. However, every year Navient has increased my monthly payments every year to the point where I can not keep up. Recently, I have made money order payments up and until XX/XX/2019. Navient has sent false and negative reports to my credit bureaus that I am currently 60 days late on my monthly payments. This situation with Navient is out of control. I need your immediate assistance on this matter. My credit score as of tonight has been negatively affective. The main location of Navient is located XXXX Delaware.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX EXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$60.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$330.00} XXXX OF XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX According to FCRA XXXX XXXX ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Mortgage

Hello, on XX/XX/XXXX in the morning I called Third Federal Bank. I inquired why I was receiving monthly statements when I knew in fact I have no existing home equity loan with them. I spoke to XXXX and she said I had an open home equity line of credit that was incurring annual fees dating back to 2019. I advised her I vaguely remembering opening the home equity loan in 2019 but soon after opening the account I called the bank and advised them I was returning the entire funds/check back to them and to close out the account. The bank agreed to take back the check which they acknowledged but never acknowledged my request to close the account which I did over the phone. They claim I owe them {$260.00} since 2019. XXXX went on to say my account was flagged with red flags. Yet no one has called or sent me a letter from the bank about my account in red flag status since 2019. 

I asked to speak to a supervisor. XXXX called me later in the afternoon. All she kept saying was they will close the account when I pay them {$260.00}. I said I called in 2019 to return the proceeds check which they agreed to take back and to close the account. I have had no contact with this bank since 2019. I find it interesting Im a red flag account but no one has reached out via phone or letter about it. I still live at the same address and same cell phone. This is deceptive business practices from the bank on collecting on fees dating back to 2019. Im not even aware of. This woman was rather rude on the phone and not willing to address my concern that the account has been closed. Im also contacting NJ Dept of Banking and NJ Attorney Generals Office as well as XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them a letter, for the said request, I still haven't received any response up to this date. Besides, the inaccurate information about my accounts are still on my report. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the accounts that are still reporting on my account : XXXX XXXX Date Opened : XX/XX/2021 Balance Owed : {$6.00} SYNCB/XXXX XXXX Date Opened : XX/XX/2021 Balance Owed : {$0.00}
Product: Mortgage

I have been putting extra money into escrow and principal during 2020. I wanted to insure that the mortgage note would not increase for lack of escrow. I did this the previous year and mortgage was reduced. This year it wasnt reduced but increased reason being that I was short in escrow in spite of the fact they sent me an escrow refund. It was I am not honoring this money because I made up policy for this note to increase. Nor did I get a statement that my escrow was short and I would have an opportunity to pay more money so there would not be an increase. It took them forever to send the refund check even though I called and messaged. I keep messages in TD account. The reason for the increase they said was because of there was not enough escrow. Than why are you sending me a refund. All generic answers that did not make sense. I requested all my loan history of payments. We sent them we sent them we sent them just like the check. We cant respond to messages any more call. I called no copy of what was sent we have to request it. How long do you think this will go on. This is delay and garbage. Now I dont trust them, I am almost positive they did something wrong which is why I wanted documents for a professional to review.
Product: Credit reporting or other personal consumer reports

I do not consent to e-OSCAR verification and want an actual living human being to read this complaint. I will have my marked-up consumer report attached below in reference to my federal consumer rights being violated by the XXXX XXXX reporting . Every circled furnishing attached below is a violation to my federal consumer rights and each furnishing violates the Privacy Act of 1974, 15 USC 681, 15 USC 1681e, 15 USC 1681b, 15 USC 1681n, and 15 USC 1681a. My invoice for actual damages and violations will be attached also.
Product: Debt collection

I received a call in XXXX of 2023 From a company out of Washington state called IQ Data International trying to confirm my identity. When I refused to confirm my identity the guy on the phone made an open ended threat and hung up on me. A few weeks later I receive another phone call from woman this time. I confirm my identity and she requests my banking info. When I refuse she says they are going ro ruin my financial future u less I pay them now. I hang up and they then proceed to call me 6 times in a row. I have no debt with original company. They broke the contract. IQ data is trying to collect XXXX from me but I have emails from original debtor for XXXX dollars. This is a very shady and immoral company.
Product: Debt collection

My Macy 's credit card was stolen on XXXX XXXX. Fraudulent charges were made on XXXX XXXX. I did not know my card was stolen until XXXX XXXX when Macy 's attempted to take an automatic payment from my bank account. I immediately called and reported the card stolen and asked for the paperwork for a fraud claim. I called back in the beginning of XXXX ( two weeks later ) to ask why I had not received the paperwork. Macy 's informed me that they did not cancel my card or list that it was stolen. I have received a statement each month since XXXX listing the fraudulent charges as being past due, including late penalty charges. In XXXX, I received a call from a collections agency. When I contacted Macy 's they informed me that their computer systems canceled my fraud claim some time in XXXX, but that they had re-opened it. The representative said that they would email the agency to cancel the calls. The I received another collections call on XXXX XXXX. When I called Macy 's they told me that the investigation had not been started, but that it would be " moved up '' in the list and would be resolved within 60 days. They also informed me that each month I was not paying the charges would be a negative hit to my credit score. They told me that they would email, again, the collections agency to ask for the calls to stop. I called again on XXXX XXXX, to confirm that the case would be resolved by XXXX XXXX and to get an update on the case. The representative confirmed that the case would be resolved by XXXX XXXX, but stated that no investigation had been started.. Today XXXX XXXX XXXX ) I received another call from a collections agency. When I spoke to the representative, they again told me they would email the company, but that nothing had been done to resolve my account. I still receive a statement each month listing finance charges for late fees for the stolen funds.
Product: Credit reporting or other personal consumer reports

According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint. 

Items that need to be disputed : Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Ive reached out to the company regarding the situation because at the time I was working and I dont understand why the situation is occurring because my insurance switched over and they said that it was taken care of
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a 604 with all agencies..I have disputed many times and they do nothing but put it back under section 604 and 15 USC 1681 and its subsection they have violated my federal and state rights and caused me harm and financial hardship. 
1. XXXX credit  inquiry on XX/XX/XXXX and XXXX XXXX XXXX XXXXXXXX XXXX Az XXXX 2. XXXX XXXX Inquiry on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX 3. XXXX  inquiry on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX 4. XXXX inquiry on XX/XX/XXXX XXXX XXXX XXXX XXXX FL XXXX 5. XXXX XXXX XXXX XXXX XXXX inquiry on XX/XX/XXXX XXXX XXXX XXXX XXXX NV XXXX 6. XXXX inquiry on XX/XX/XXXX XXXX XXXX XXXX XXXX DE XXXX XXXX XXXX XXXX  inquiries from XX/XX/XXXX to XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX CA XXXX 8. XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX request immediately removal of al items from my credit report or financial compensation ordered by the board Thank you XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One is reporting unvalidated negative information on my credit profile to the three major credit bureaus ( XXXX, XXXX, & XXXX ).
Product: Payday loan, title loan, personal loan, or advance loan

Their info was never on my initial paperwork from the person selling the product I bought so i couldnt find who to contact when my bank situation changed but when I tried over and over again to email them and their lawyers to ask for things to get fixed because it all has been paid in full. I have received paperwork from the judge and from the their lawyers saying its all paid in full. None has been charged off so thats fraud if they say it has been. Because they took me to court and took it all through garnishment!!
Product: Checking or savings account

I have a Citibank Accelerate account that I want to close. It has a {$0.00} balance and they are charging me {$4.00} a month due to insufficient funds. I had an online account where I could access the account number ( ending in XXXX ), but it disappeared. I don't have the account number since all correspondence only has the last 4 digits. 

I have called several times to close the account, but the first thing they ask is for the account number. I told them the online account disappeared and all the email correspondence only has the last 4 digits. They tell me they can't help me if I don't have the account number. 

They are charging me {$4.00} a month since I don't have a balance. I sent a letter to an office in XXXX XXXX TX as directed by some supervisor on XX/XX/XXXX to get the account number, but have heard nothing. Meanwhile I will be charged {$4.00} a month...
Product: Debt collection

CitiBank transferred credit card debt to XXXX XXXX XXXX in XXXX. I notified XXXX XXXX XXXX that I was not aware of this debt and that, to my knowledge, it had been paid off. I asked them for a copy of the statements and after months they supplied it- to which I realized that my account had substantial fraudulent charges and unauthorized enrollments and charges by CitiBank . I notified XXXX of this- to which they did not respond. Debt collection attempts continued. I then was served papers- I notified both the law firm ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX that the debt was not mine- and got no response. Although I notified both parties that this debt was a result of fraud, they continued to ignore my statement. I was encouraged by the law firm to settle for 80 % despite continually stating that the debt was not mine. The contact at XXXXXXXX XXXX XXXX XXXXXXXX XXXX advised me that the client " was known to be very aggressive '' even though I continued to state that the debt was not mine. XXXX took me to court - my repeated statement of the debt not being mine was not disclosed by XXXXXXXX or XXXX XXXX XXXX XXXXXXXX XXXX and they pursued the full amount. After unfairly paying over {$2000.00} over 16 on time payments on this debt, I was attempting to submit XXXX payment on XX/XX/XXXX to find that the system would no longer accept my electronic payments. I reached out to the law office only to be told that a payment on XX/XX/XXXX had not gone through. I stated that I was unaware of this and explained it was due to an account change and immediately offered to submit both XXXX and XXXX payments- only to be told after XXXX on XX/XX/XXXX that all payments must be sent in via certified funds. I then asked for my total balance with intent to pay the balance of around {$2000.00} off. After 16 days, of no response, I resent my request for my total balance and was told my account was in default and I owed ~ {$5800.00} immediately. I shared my irritation that I was not given the option to submit payment on time due to lack of communication and notification. Both companies unethically and continually ignored my statement of fraud- while knowing that the original creditor was under investigation for related reasons. 
After submitting an offer to settle for the already paid amount, XXXX has yet to respond, and reported late payment to the credit agency although I continue tto try to contact.