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

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to has verified these. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Mortgage

Quicken Loans California XXXX XXXX and XXXX XXXX who are both NOT NMLS licensed continuously robo call me with recordings of their hourly interest rates. I asked them four times to stop, to put me on a Quicken Do not call list. I told them the phone they are dialing is already on the national do not call registry. They argue with me that it is somehow okay to keep paying for their robo calling service and bothering me. I am NOT a Quicken client, I never applied for a loan with them or their affiliates, I never initiated a question with these " XXXX  '' who also never state the APR in their annoying messages.
Product: Credit reporting or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
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 XXXXXX/XX/2023
Product: Credit reporting or other personal consumer reports

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

My Lending club loan is due on the XXXX of every month. I paid the loan in XXXX installments during the month of XXXX. Lending club said I owed them money because my payment was not paid in full. I called Lending Club and they stated since the loan was in two payments and before the due date they applied the earlier payment to the principal. Lending Club stated that they could not reverse the payment and now I had to pay the balance from the previous month as well as the current balance. I asked if the had any payment plans and Lending Club stated they could not provide me with any payment arrangements and {$480.00} will be due on XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/19 I sent in a letter to Equifax indicating discrepancies on my report. I sent a screen shot of those discrepancies so there was no dispute about what I was questioning. Instead of deleting the account as they should have for there was factual disputes, they updated their system to reflect the discrepancies that I provided. 

Because of the neglect in ensuring everything on my credit report is accurate and to date they should have deleted the information and not updated based upon the information I sent.
Product: Debt collection

I presented myself on XX/XX/2019 to a small XXXX XXXX XXXX XXXX XXXX for a XXXX  that went under my XXXX  all the way to the XXXX ( I have a photo of before and a second photo of after I had to remove it myself if I am able to attach them later ) The Dr. looked at it and stated that he couldn't attempt to remove it and referred me to a XXXX XXXX. No care was given aside from taking the normal vital signs. Upon leaving, the secretary handed me a bill for {$1100.00}. In shock, I stated that I would discuss this with my insurance company. On XX/XX/2019 I received a statement showing a contractual write-off of {$470.00} and a balance of {$700.00}. I then contacted XXXX  several times over the next few months asking for an explanation and an investigation of this ridiculous charge. In the end they stated that there was not anything they could do or would do to decrease or to wipe out the balance. I was forced to make a payment of {$50.00} on XX/XX/2019 as to prolong the issue. XXXX  then turned it over to a collection agency of whom I called to explain the situation. Again, nothing was done. I made two more payments to them and now they have turned it over to another collection agency. The balance is currently {$450.00}. I would like to have XXXX looked into for their outrageous process of billing when not providing any care.
Product: Credit reporting or other personal consumer reports

We made two payments on account in XXXX to pay in full. The cashed the checks and didn't post to account. I have sent them copies three times during dispute that was opened with them in XXXX. Here it is in XXXX, and they are still investigating. In the meantime, they are reporting as late and behind schedule. I can not talk to anyone in the dispute department only to customer care and they only have only relay what is put in system. If you need more information, call my XXXX at XXXX
Product: Debt collection

I have a debt collection for an account on my credit that is not mines. I have no knowledge of this debt nor where it originated from. I do not recognize the details stated about the account. I have reason to believe that someone may have obtained my info and used it without my permission.
Product: Credit card or prepaid card

My XXXX card was transferred to Comenity bank back in XX/XX/2022. 

Since then, I have been unable to register my card only to make payments. The telephone system keeps telling me I need to activate the cards. After I activated them for the 3rd time, I tried registering online and it gives me several different errors, 1 ) account information does not match their records, 2 ) the account is already registered. I have made three phone calls and have discussed the issues with the representatives. They informed me that they were aware of the issue almost a month ago. I again called today and had to reactivate the account although this as done over 2 weeks ago, and this was confirmed by the representatives. The representative today was unable to helped me and referred the issue to his supervisor who will be looking into it. I advised i do not want to incur any late fees due to missing a payment because I am unable to log in. She informed me that my next payment is due in XXXX. 

After reading all the complaints and reviews from other customers in similar situations, i feel uncomfortable not reporting the issue as I do not think that they are following the banking regulations as the access to our accounts is not being restricted and after multiple complaints and reports of this issue on my part, I feel that are not doing anything to help and they are using this as a strategy to collect interest on balances with Zero interest rates. 

This feels like a scam that can affect everyone 's finances and credit rating. 

Please help. 
XXXX
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 how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report 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 blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX VA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX  XXXX Balance : {$6000.00} ; XXXX XXXX Balance XXXX {$2300.00} ; XXXX XXXX XXXX Balance : {$990.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX : {$670.00} XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX  XXXX Balance : {$810.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$410.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX NETWORK ) XXXX Balance : {$350.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$220.00} XXXX XXXX XXXX XXXX I ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$250.00} ; 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 HAVE DELT WITH XXXX XXXX XXXX ON 2 DIFFRENT OCCATION LAST 2 YEARS, AGO AND SOME TIME BEFOR THAT. I HAVE DELT WITH THEM TO NO AVIL EITHER TIME. I HAVE GOTTON NO HELP AND NOTHING WAS REMOVED AND BOTH TIMES THEY HAVE GOTTON PAYED .... I JUST DIDN'T WANT TO TRUST THEM ANYMORE. THE REASON WHY IM COMPLAINING IS I REALLY NEED MY REPORT FROM LEXIS NEXIS AND WHO EVER ELES HAVE WRONG INFOMATION ON ME REMOVE COMPLETY THERE ARE ADDRESSES THAT IM NOT NOR HAVE I BEEN ASSICIATED WITH AT NO GIVING TIME MY ADDRESS IS XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX, THE CORRECT SPELLING OF MY NAME IS XXXX XXXX MY XXXX. XX/XX/1966 MY PHONE NUMBER IS XXXX I HAVE TRYED TO CLAIM MY UNEMPLOYMED SINCE LAST YEAR, AND THEY HAD MY ACCOUNT UNDER INVERSTERGATION FOR SO LONG I FINALLY GOT A CHECK THEY HAVE TOLD ME SOMEONE HAS BEEN USING MY SOCIAL SERCURITY NUMBER AND THEY TOLD ME THEY DELET THE UNKNOW FRAUD ACCOUNT PLEASE HELP ME I NEED MY CREIT REPORT FIXED ALNG WITH THE ITIEMS THATS ON THEIR. THANK YOU AND QUESTION PLEASE CALL ANY TIME.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$650.00} XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$210.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$2800.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

My name is XXXX XXXX, my personal information is attached to this complaint. 

I hereby file a formal complaint against a collection agency known as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. This agency did not follow legal protocol pertaining to debt collection validation. I was just on a call with a representative of XXXX XXXX XXXX XXXXXXXX, stating my position that there was no bill owed to XXXX XXXX XXXX  since I removed myself from a particular course before the deadline. Here is my description of a call that was recorded by XXXX XXXX XXXX XXXXXXXX. 

Client : XXXX XXXX Date : XX/XX/2025 ( Report of a conference call made about {$510.00} collections on XXXX XXXX credit report to XXXX XXXX XXXX  XXXX ( debt incurred at XXXX XXXX XXXX  ) at XXXX XXXX XXXX on XX/XX/2025 ) XXXX described the incident to a representative names XXXX as follows : A year or so ago I was enrolled at XXXX XXXX XXXX  and received a scholarship. I withdrew from my current course before the withdrawal deadline and had already paid up through that following month for tuition costs so I was under the impression that if anything I would be receiving a refund or owe nothing more. Recently I received this collection notification. 

Upon being asked if I had contact XXXX, XXXX stated : I texted my old advisor and she told me it was a back charge of the scholarship I had gotten for that semester. 

XXXX then asked what the pathways from credit removal were. 

When asked XXXX confirmed : Email, phone number and date of birth. 

XXXX stipulated that he was requesting a full validation of the debt to XXXX XXXX XXXX, however the full validation should have been requested before a collection was ever posted as required by the Federal Trade Commission and most recently by the Consumer Financial Protection Bureau. 

This collection is not valid and should be removed permanently from my XXXX credit report by XXXX XXXX XXXX  XXXX. This company does not get XXXX bites of the apple because of a clerical error. I never took the course in question and should never have been charged. The collection is fraudulent, and sanctions must be submitted against XXXX XXXX XXXX XXXX by the Consumer Financial Protection Bureau. 

This collection must be deleted from my credit report ( XXXX ) and my file purged with XXXX XXXX XXXX XXXX
Product: Mortgage

When my adjustable rate mortgage adjusts due to the change in the interest rate, the Mortgage Company unfairly and inaccurately calculates the new payment. They do not adjust the payment to reflect the new interest rate. They adjust the new payment to where the mortgage will never be able to be paid off. 

I am certain that I have over-paid Mr. Cooper in interest by tens of thousands of dollars over the past 15 years. I would like that overpayment of interest refunded to me.
Product: Student loan

I took out XXXX XXXX worth of school loans. In XXXX, someone consolidated my loans, under my name consolidated my loans- my origional loans were through AES- Origional Consolidation Amount- XXXX   XXXX in XXXX XXXX XXXX defaulted to Penn Higher Education- {$57000.00} defaulted when i lost my life savings to an apartment fire and the death of my father, I also have severe psychological problems. 

Starting in XXXX XXXX- to qualify on loan rehabilitation - I maintained payments for 10 months.I completed the rehabilitation program but thought I was paying my origional loan provider ... the loan is now {$70000.00} out of default- -I Fell into delinquency the 2nd timeI called and called, yet they wouldn't service me. They told me I had to talk to the collection agency -XXXXt- that company haraased me and harrassed my family ... no one would return my calls or emails for 24 months during the collection process -- - The collection company - XXXX  now has my school loan at $ XXXX 6.6 % $ XXXX principle Its now at - {$100000.00} with % 20 interest fee- PHEAA now calls me on a daily basis wanting me to consolidate again with a government agency - I am not working, the past 4 companies i worked for went bankrupt- I can not own a home, i have been renting in CA for the past 9 years. My credit is XXXX because of this charge- I get no where accept threats from PHEAA and their past credit recovery system. I have a XXXX XXXX and can not find work right now. I understand on owing my origional loan at $ XXXX how can this be legal that I would now have to pay an extra $ XXXX - I can not afford this, i am scared for my life and my well being. My family and I have been homeless, transient and barley making it - i requested my origional loan signatures and no one can send me anything- they keep making up stories and directing me to another person over and over again. I didnt know what i was getting myself into because i am mentally ill and have told them countless times..i need help. I need someone to save me and my family from this. the burden is just to great for me to handle,
Product: Credit reporting or other personal consumer reports

Unauthorized Hard Credit Inquiries 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Im sending this request to the credit Bureaus today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove any items listed on an id theft report. Please find the required documents to assist in the removing of the erroneous information which is being posted to 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX FL XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

NAME ( XXXX XXXX XXXX ), Social Security Number : ( XXXX ), Date of Birth : ( XX/XX/XXXX ), This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( # XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX/DOFED XX/XX/XXXX XXXX/DOFED XX/XX/XXXX XXXX/DOFED XX/XX/XXXX XXXX/DOFED XX/XX/XXXX XXXX, XXXX XX/XX/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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit agency has refused to remove the false reporting on my credit report from the XXXX XXXX XXXX XXXX XXXX the existence of an abundance of evidence that shows that the XXXX XXXX XXXX XXXX made mistakes and it clearly stated that they did not have the expertise to properly dispute a charge. 

Inside of my written statement there is a link to the XXXX recorded conversation with the XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX where the XXXX XXXX XXXX representative clearly states that they are not qualified to dispute my charge, yet the credit agencies continue to post this delinquency on my credit account even though it was not my fault. The agencies have an obligation to look at both sides and make a determination with regards to who is telling the truth and not simply taking the side of the organization reporting the delinquency and to date the credit reporting agencies have not done so, they have simply rubber-stamped whatever the merchant says and posted the negative comments on my credit report in lieu of the abundance of evidence which shows that It was not at fault due to the merchants inadequacies related to handling legal disputes
Product: Bank account or service

I signed up for a Chase Total checking account and used a coupon for a {$300.00} sign up promotion after direct deposit. After several months of waiting Chase is refusing to pay out the promotion even though I received several direct deposits from my tenants.