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

I am writing to dispute XXXX inquiries on my Experian credit report that I believe are fraudulent. These inquiries have negatively impacted my credit profile, and I request that they be thoroughly investigated and removed from my credit report as soon as possible. 
The details of the disputed inquiries are as follows : 1. Inquiry by XXXX XXXX NA on XX/XX/XXXX 2. Inquiry by XXXX XXXX XXXX on XX/XX/XXXX 3. Inquiry by XXXX XXXX XXXX on XX/XX/XXXX 4. Inquiry by XXXX XXXX Bank ( XXXX Card ) on XX/XX/XXXX I have no knowledge of authorizing or applying for credit with XXXX  XXXX NA or XXXX XXXX Bank on the specified dates. These inquiries do not correspond to any legitimate credit applications made by me, and I have not initiated any new credit relationships with these institutions during the stated periods. 

Due to the fraudulent nature of these inquiries, I am concerned about potential identity theft or fraudulent activity on my credit report. I have taken immediate steps to secure my personal information and have placed a freeze on my credit with the major credit bureaus to prevent further unauthorized access. 

I kindly request a thorough investigation into these inquiries to determine their legitimacy. Please provide me with any supporting documentation or information that may have led to the inclusion of these inquiries on my credit report. 

Furthermore, I request that Experian take the necessary actions to remove these fraudulent inquiries from my credit report, as they are affecting my creditworthiness and financial standing. I understand that the Fair Credit Reporting Act ( FCRA ) requires accurate and fair reporting, and these inquiries do not meet those criteria. 

Please inform me of the results of your investigation and any actions taken to address this dispute. I can be reached at XXXX if you require any additional information or documentation from my end. 

Thank you for your prompt attention to this matter. I look forward to a timely resolution of this dispute and the removal of these fraudulent inquiries from my Experian credit report.
Product: Debt collection

I received a final payment amount from XXXX XXXX that I owed XXXX on XX/XX/2020. 
I terminated my lease 2 months early with a written notice which was required per my contract with XXXX. Which is what I provided. When XXXX reached out to me through Email several weeks later I advised that I was having some XXXX  health issues and on XXXX. In the time frame that I was reached out to via email. 
Now remind you that in this time frame WE faced a Pandemic so with that came jobs cuts and layoffs and less hours. 
Well I received this letter on Monday XX/XX/XXXX from National Credit Systems for the amount of {$3100.00}. I contact XXXX with National Credit Systems advised her that my final contract and agreed upon amount from XXXX was {$1800.00}. And that was the final amount that was mailed to me as well.She states that the extra amount was a fee they charged. So they charged me an additional {$1200.00} dollars and they have ONLY contacted me one time and that was with the letter I received. So they charged me XXXX and they have done nothing. When ALL I owed XXXX was XXXX. 
I have Federal student loans that don't even have that much interest and fees. So how is it possible that National Credit to charge me XXXX and they haven't done anything but send a letter. Also, while I was speaking with XXXX from National Credit she told me that at this time there was no settlement amount they wanted it in full. So basically they are telling me I have no other options but to get XXXX put on my credit just because they can. When my original Debt with XXXX XXXX XXXX was XXXX. How is that fair or legal in the State of Tennessee. With any debt I have ever had, I have NEVER been charged a XXXX fee from a Debt Collector. That is outrageous and something that i refuse to pay. Will I pay my actual debt of XXXX if allowed, yes I will. But I will not be threatened into paying XXXX!
Product: Vehicle loan or lease

On XX/XX/XXXX I turned in my Lease for my XXXX XXXX XXXX, My lease had ended and it was time to turn in the vehicle, which I did, I had never missed a payment with Ally financial. I turned the vehicle in just like I received it and I did not exceed the mileage allowed. The recorded miles were XXXX when I turned the vehicle in to the dealership where I purchased it from, I ask why they are not taking any Pictures and they said I just needed a smart lease odometer statement third party inspection, which I have a copy of, Next couple of months I receive a letter saying I owe almost {$7000.00} for mile and damages. the vehicle had no damages and the miles were under the allowed miles for the term of the lease. Ally is trying to scam money from me and I will not sit back and let them lie and try to steal from me. Also they now charged the vehicle off, and have reported this to all of the credit company 's, this is % 100 false information on my credit report.
Product: Checking or savings account

I deposited a check in to my Chase Bank account on XX/XX/2020. That check cleared the makers bank on XX/XX/2020. My receipt for the transaction said i would be funded on XXXX XXXX. I called Chase bank inquiring about the funding, yesterday. The y said it would not be funded until XXXX XXXX. I then told them they needed to fund this deposit and they left me on hold for an hour. I am sure Chase has the funds. This appears to be fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

My mother XXXX XXXX in 2016, and we have found that several credit cards were opened in my name DOB and SS number. I have been trying to get these cards taken off my credit report for identity theft with no success. I have sent an ID theft affidavit to them as well as other companies. Several companies have closed the account and taken off of my report.
Product: Debt collection

I am reaching out to file a complaint against Transworld Systems collection agency. They say they are calling on behalf of XXXX. They call repeatedly throughout the week, sometimes several times a day. When you answer the phone they hang up. Then when you call back you either get someone 's personal cell phone and they have no idea who called you, OR, they tell you who they are and try to collect the debt. If they are so apt to collect the debt why do they continuously call and then hang up. They admitted they are on an auto dialing system. This is a highly in appropriate way to run a business. I get calls all hours of the day and night and on the weekends. When you do call back and talk to someone on the rare occasion you can not understand them because they speak extremely broken english. I would like to file a formal complaint for harassment against this company and make sure XXXX knows they are doing this to their patients.
Product: Checking or savings account

I have money transferred from my XXXX brokerage account to my Santander checking account around XX/XX/year>. 
On XX/XX/year> I went to a local Santander branch in XXXX XXXX XXXXo close my account. I met with branch XXXX XXXX XXXX. 
She called their department and told me that my account has been frozen because my account is under review due to a fund transfer from XXXX. XXXX asked me to come back in XXXX days to close my account. I called Santander on XX/XX/year> and my account is still under review.
Product: Debt collection

I am filing a formal complaint against Pro Collect for repeatedly reporting a rental collection account to my credit report that I do not owe, have no knowledge of, and have never authorized. This ongoing negative reporting is severely impacting my credit, making it difficult for me to provide stability as a single mother trying to make ends meet. 

I have reached out to Pro Collect multiple times via email and other channels, requesting proof of this alleged account, including documentation with my signature to verify my responsibility. Despite my repeated attempts, I have received no response or supporting documentation from them. 

Instead of addressing my concerns or providing verification, they continue to report damaging information to my credit profile. I am requesting an immediate investigation into this matter and for Pro Collect to provide valid proof of this debt or remove this inaccurate account from my credit report immediately. 

Thank you for your attention to this issue. I look forward to a prompt resolution.
Product: Checking or savings account

Several times there was withdraws from my accout from XXXX all total up to {$480.00} Key bank gave me a credit on this and now thay are reversing it back said it was normal. they gave me no paper work on the investagation. I would like proff how the did this and the XXXX address were this took place cause it was not me.
Product: Credit reporting or other personal consumer reports

I lodged a complaint with these Bureaus XXXX XXXX ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Product: Mortgage

XX/XX/1983, U.S. Bank charged me {$96.00} Late Fee on my FRM Loan on XXXX XXXX XXXX, XXXX, IL XXXX. I protested, as the Late Fee was due to Administrative Error by U.S. Bank, but U.S. Bank refused to cancel the Undeserved Fee.
Product: Credit reporting or other personal consumer reports

Mohela has reported inaccurate information on my credit report showing my accounts payments are late in which is not true at all and Im very upset because their error caused my credit score to go down.
Product: Credit reporting or other personal consumer reports

I was contacted by a company using false and deceptive language who failed to inform me that they are a debt collection agency untill after i provided my information. ( Name, phone number, date of birth, social security ). After i gave those information the company then inform me they are trying to collect a debt that they had purchase. Because of the nature in which the information was collelled, now of the information can henceforth be lawfully used against me to collect on this alleged debt. I informed the company that since they had purchase the debt, i was removed from any obligation to dissolved this debt as they are now the owner. I asked for a validation of debt which must include the original creditor, the chain of custody of the debt, the purchasing agreement of the debt etc.They company threatened me that they will negatively report to the credit agencies to which i explicitly informed them that i did not consent to them reporting to the credit reporting agencies except conditionally for {$250000.00} for each report furnished to each agencies and for each new month they reported the information. I contacted the XXXX major credit reporting agencies and informed them that they were reporting a inaccurate information as i did not owe this debt nor had any obligations to it. I also informed them of my conversation with the company and that the company was issued a verbal contract. I issued them the same verbal contract for {$250000.00} conditionally to furnish this information on my credit file which is negatively impacting my contracting capacity, and injuring my estate. All companies where aware of verbal stipulation and expressed understanding therefore fullfiled contract performance. I am therefore making this complaint to the CFPB to have this account removed from my credit file immediately and to demand that the companies involved issue payment to XXXX XXXX for all contracts fulfilled. I am also requesting that the CFPB forward this complaint/demand for payment to any and all appropriate Bureaus, and or agencies external of the CFPB. All credit reporting agencies were made aware of the aforementioned but still furnished this information on my credit file even after their investigation. The credit agencies are consistently demonstrating a broad scope of disregard for my consumer rights. I am now formally petitioning the CFPB to investigation the matter and pursue legal actions against these agencies and this is now a documented pattern of adverse behavior against consumers envoking their rights. 
All Rights Reserved UCC 1-308
Product: Credit card or prepaid card

I have been a XXXX ( XXXX XXXX XXXX  member for 20+ years. They recently transitioned from XXXX XXXX to Marcus by Goldman Sachs. This transition has been an epic failure. There was very little communication ( other than the fact that there would be a transition ). You would think a bit operation like XXXX would have a strategic plan for transitioning XXXX members to their system, but no. 

I recently had my XXXX baby ( who ended up needing a stay in the XXXX ). When I returned home I went to pay my bill through XXXX like I normally do. I got an error message and assumed the site was down for maintenance, so I tried it again several hours later and then again the following day. After two days of getting the same error message I called XXXX. The representative who helped me said I had to go to XXXX to pay my bill ( you would think Marcus would have communicated this information to us ). So, I went to this site and found a link to click for XXXX members that are transitioning to Marcus. I followed the instructions online ( which asked for last name, DOB, and last 4 digits of SSN ). After doing this, I got an error message that said they didn't have enough information and to call XXXX. I called this and the wait time was 5+ hours. They gave me the option for a call back, so I selected that. It is now several days later and I still have not received a call back. In the meantime, I have tried again multiple times to register on the Marcus site, but I keep getting the same error message. I have also called the number provided several times. The last time I called ( XX/XX/24 ) I was told it was a 1+ hour wait time so I held on and finally got a representative. However, the representative had me do the same thing I had already done on my own ( going to the Marcus site, putting in my last name, DOB, and SSN ), but of course I still got the same error message. The representative then suggested I tried using their app. So, I did the same thing on the app and got the same error message. The representative then said there was nothing more she could do and she would put in a ticket for tech support to give me a call back. It has been about 24 hours and I have yet to receive a call back. I am very concerned about how this will affect my credit score. I have tried to be a responsible citizen in paying my bill- I have spent ( literally ) hours trying every which way to pay my bill/transition to Marcus, but with no luck. 

An operation as big as Marcus should have communicated more clearly about the transition and had a better plan in place for a seamless transition.
Product: Debt collection

Blitt and Gaines is acting as a debt collection agency. And is not licensed for it in the state of Illinois. Which it is required to be licensed if you are collecting directly or indirectly under the Illinois Collection Agency Act. 

I realize that there is an exception to the law, if it is a law firm. But the requirement for this, is that the the law firm must practice other area 's of law as well. And this is not the case with Blitt and Gaines.  They are 100 % a debt collection agency. 

They refer to themselves in emails and letters as debt collectors. If you visit their website and click " contact us '', they state they are debt collectors. They have job postings for call centers, only to collect debts. No other law firm does this. 

100 % percent of their cases in XXXX, IL are debt collection cases. Over 300 cases! And if you check other cities in Illinois you will find the same thing. 

If they refer to themselves as debt collectors and 100 % of their cases are debt collections. Than they are a debt collection agency. And need to be licensed. 

I also have evidence that they will refuse to take another form of law from a client, since its not a debt collection case. And the type of law, is listed on their website, as an area of practice. Just email me your fax number, and I can fax it to you. 

They claim to practice Commercial Real Estate litigation on their website. When contacted, they will not take a case for that matter. 

They will only accept debt collection cases.
Product: Money transfer, virtual currency, or money service

XXXX XXXX XXXX Shouldnt I be allowed to enter the contest without opening a Venmo account? I thought every contest needs that alternative.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus stated my account was properly investigated numerous times, but how is that possible when if the open dates are inaccurate, the dates last active are inaccurate and the date last reported is also inaccurate across all 3 reporting credit agencies. This Is Grounds For Removal In accordance with the Fair Credit Reporting Act, XXXX, XXXX, & Equifax Has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681.

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 These Addresses do not belong on my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX employers do not belong on my report : XXXX XXXX XXXX contracting XXXX XXXX contracting These inaccurate Date of Birth do not belong on my Report : XXXX XX/XX/XXXX And I will attach photos from my credit report circling ALL ACCOUNTS AND INACCURACIES AND VIOLATION that are being reported on my credit report.
Product: Student loan

I have tried to work with XXXX XXXX XXXX ( XXXX ) who serviced my loans since XX/XX/XXXX to come up with a payment plan to pay off my loans, they refused to help and allow me to pay an amount I can afford while I was back in school. I stated I had every intention to pay the loan and no luck with a agreeable payment plan. It got to a point where the payments on two loans were more than I could handle, thus, my loans defaulting. I have two private student loans that are serviced with XXXX XXXX XXXX ( XXXX ). Loan # 1 ending in XXXX defaulted in XX/XX/XXXX Since then, I have had three or more different companies try and collect the debt. XXXX reported to the credit bureau that the status was transferred, closed, {$48000.00} written off. Since XX/XX/XXXX I have been getting letters to collect the debt. In XXXX XXXX, I contacted XXXX credit reporting to dispute the loan and ask that it be removed from my credit report because the company, XXXX had sold my loan to several debt collectors, all whom are trying to collect debt from me and they had violated the original agreement. Currently remains on my credit report. XXXX also failed to provide me a XXXX, a tax from needed for cancelation of debt since they reported it was written off. I contacted XXXX, asking for the cancellation of debt and they stated they did not need to provide one as the account was transferred to another lender. Loan # 2 ending in XXXX with XXXX was defaulted in XX/XX/XXXX. Reported to credit agency as transferred, closed, XXXX XXXX written off. Same situation as described above, just second loan to default, asking for it to be removed, still on credit report, different companies trying to collect the debt, no XXXX tax document.
Product: Money transfer, virtual currency, or money service

XXXX of XXXX my friend sent me money on Venmo XXXX $! I was able to transfer XXXX $ into my bank. The remaining XXXX $ I tried to transfer as well. then they locked the account or froze it, with no reasoning. They ask me to verify my identity. so I send drivers license, then They asked for me to send my bank statement. I sent them the first bank statement they asked for and that was good. then they asked for a second account bank statement that would include my card number a card that I didnt ever even use to get money on from my Venmo account I sent them bank statements to that account but my card number is not visible only account number. and so I contacted my bank universal silver they said we can not do that due to security reasons. so I told that to Venmo they say to bad and I have to send this document that I cant obtain. I asked for alternative way to prove they will not listen or unlock my money. My name is XXXX XXXX Im going to attach everything I have sent already I did even send them my bank statements from the card XXXX but it only haves the account number not card number that bank is universalsilver I think I could add that card with routing number and card number and account number and they should see its my account I really just need my money back.
Product: Credit card or prepaid card

Around Monday XX/XX/20 I called Wells Fargo to ask for COVID impacted relief, my payment was due on XX/XX/20. 

Customer rep promised that he adjusted my account and {$0.00} payment should reflect in a few days. I no longer need to make a payment for the next 3 months. 

A confirmation # was not given to me, because it was an extraordinary cirmustance and is handled internally. 

I called back to speak with another customer rep - to verify and was told that my account was marked successfully for {$0.00} payment for 3 months. 

On XX/XX/20 My account was marked late due to non-payment. 

I called again to speak to a customer rep, this time they told me that I had payment deferral for 1 month not 3 months - but she made it for 3 months. The reason my account was showing late payment is because it hasn't " circulated '' yet. " They're letting all accounts go overdue and then correct them all at once instead of going into each account one by one, they have far too many cases '' She said to wait a few more days till my account recycles and there any payment due will be marked at {$0.00}. 

I waited a few more days, and then got a letter in the mail that my account was being reported to the Credit Bureau as missed payment. Even though I was told explicitly not to make any payments. 

Now I have a missed payment derogatory claim on all my credit reports.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/year> - {$1100.00}