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

I recently submitted a request for investigation of the above noted account, 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 this account. Actually I am not sure that the account is even mine though your company claims to have verified this. 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 TransUnion, XXXX XXXX XXXX XXXX XXXXXXXX ), and XXXX XXXX XXXX, XXXX, 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 XXXX  XXXX XXXX
Product: Mortgage

On XX/XX/XXXX, I spoke with XXXX and she inquired about my situation and asked which option would I like to take care of the 3 months. I opt 'd for the XXXX  months to be placed at the end of the loan. XXXX stated she would send me the documentation and I needed to provide it within 30 days. It has been XXXX weeks and I have not received any documentation. On XX/XX/XXXX - I contacted my lenders loss mitigation department and spoke to XXXX. She informed me that I would not be receiving such documentation until after the forbearance expired. I explained to her per section XXXX of the agreement that would make me ineligible for any loss mitigation options if the agreement expires. Additionally - that would cause a negative reporting on my credit afterwards. The representative stated that is their process and when I advised that would mean they are breaching their own contract and jeopardized my credit. She stated I can attempt to request for it to corrected after the fact. I asked for a supervisor and she told me one was not available and to email them. I am concerned because the lender has numerous negative reviews on deceptive practices. I have adhered to and complied with the terms of the forbearance and the lender should as well. That includes them providing me with the required paperwork and processing it in a timely manner. Not waiting until after my agreement expires to then demand total balance due and effecting my credit report. I informed all representatives I spoke with this month that I WOULD BE resuming my payments on XX/XX/XXXX. 

On or around XX/XX/XXXX - XX/XX/XXXX my credit report was updated and the negative rating was removed. However, on XX/XX/XXXX the negative report was reported again against my credit. 
Even though this should have never occurred. It has dropped my credit score significantly even after I satisfied all requirements for the forbearance and provided the completed partial claims documentation ; which show they were delivered on XX/XX/XXXX @ XXXX XXXX  tracking XXXX. 

At this point- I think it may be in my best interest to seek legal counsel/advice as I believe this company is operating under deceptive practices and causing consumers unnecessary harm and hardships.
Product: Debt collection

XXXX XXXX, XXXX XXXX I have contacted both companies and told them these are not my accounts I never opened them, never received goods for the collections they are reporting, I have asked for proof numerous times. I have disputed this for a few Years. Someone opened these accounts and received goods and Im being penalized for it. XXXX says I opened the account in XX/XX/2017 it shows an address of a P.O. Box in XXXX Louisiana, I was living in XXXX XXXX la with my ex husband bc he worked for XXXX in XXXX XXXX. XXXX XXXX I have no Idea where that came from bc I never opened it I have disputed this through XXXX XXXX, XXXX, and XXXX  and nothing. I can print copies of all disputes. The amounts change with every dispute so it says XXXX XXXX , XXXX , now today XXXX . XXXX XXXX says XXXX $ past due XXXX $ credit limit both companies say account confirmed and bump the dates of opening the accounts up and then the dates to fall off are now increased by 2 more years. I dont know what else to do they wont send proof I opened nor who opened it. They keep transferring companies and just keep reporting bad marks on my credit report. Its not fair bc it isnt mine. I work so hard trying to build my credit and this is tearing it down.
Product: Credit reporting or other personal consumer reports

PLEASE REMOVE UNAUTHORIZED FRAUDULENT INQUIRIES XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX I AM A VICTIM OF IDENTITY THEFT.
Product: Debt collection

This was originally falsely posted under credence resource as a debt, until I contacted them and their rep verified there was nothing under my name or phone number and I made him aware I believe I'm a victim of identity thefy/fraud and it definitely was not mine, and it was removed ... I thought, apparently they removed their name and now reposting this which is apparently some unknow named XXXX XXXX that they know is not mine still are allowed to falsely report it against me and it's not mine, under now Enhanced Recovery Co L ( Erc which I already reported on I'd theft report ), and so I called today XXXX XXXX after it just reappeared under a different name supposed XXXX, who knows, it's not mine regardless and they know it and the rep I talked to today XXXX XXXX admitted further there is nothing under my name or phone number yet they still intentionally report this false report damaging me, my name and my credit.She wouldnt give me XXXX phone or address and made exuses, but what's relevant is she like credence admitted they know it's not mine therefore this should be removed immediately and XXXX reported to FCC.Please remove all false and fraudulent statements immediately as the entities reporting false information intentional are fully responsible and liable.Thank you! 
Btw, clearly I don't have an account number because this is not mine, therefore I do not have an account.Due to the bad practices of XXXX bad debt collectors credence and now erc posting identical intentional false reports against my name they can not be trusted after both had reps that stated and confirmed what I already knew, that I do not owe them anything, and still they report false information against my credit report.Should never be allowed.Please remove all false and fraudulent reports asap and cease further false reports, I'm already going through being a victim of identity theft and I am NOT XXXX XXXX and all know it, so remove please immediately.Thank you!
Product: Debt collection

National Credit System is attempting to collect an invalid debt on behalf of XXXX XXXX XXXX as I am not responsible for the {$1700.00} that they claim I owe them. I was an employee of the XXXX XXXX and was on a month to month lease agreement therefore my rent was automatically taken from my check every time I was paid. When my employment terminated so did my lease and I was allowed 30 days to move from the apartments which I did. After I left employment with them and moved out I never received any letter from the apartments stating that I owed any type of balance so I was under the impression that we were in good standing. On XX/XX/XXXX I reviewed my XXXX   credit report and noticed a third party collection from National Credit System on behalf of the apartments stating that I owe {$1700.00}. As I did not recognize the debt, have never been informed about the balance and have no knowledge what it could be for, I then sent a letter requesting debt validation directly to National Credit System on XX/XX/2018. I did not receive a response to my validation request and reviewed my credit report again on XX/XX/2018 and the account was still reflected on my credit profile and was not even updated to reflect that I was disputing the debt. On XX/XX/2018 I sent a dispute letter directly to XXXX   stating that I had previously requested debt validation from the agency which they failed to provide within 30 days of my request according to FCRA 611 ( a ) [ 15USC168li ( a ) ] .I also indicated that the agency also failed to update the account to reflect a disputed status. I did not receive a response to my direct dispute with XXXX  and on XX/XX/2018 I pulled my credit report again and found that although the account status was updated to reflect that it was in dispute ; I still have not received validation for this account and still do not know what the charges are for. At this time I would like this erroneous entry to be completely removed due to gross negligence from both National Credit System and XXXX in attempting to provide evidence that this debt is valid and accurate and belongs to me.
Product: Money transfer, virtual currency, or money service

I have an XXXX account that I was able to put money in through my bank account but now it will not allow me
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from CFPB on XX/XX/XXXX, that you closed my complaint to protect my PRIVACY. I called Experian after I purchased a credit report from XXXX XXXX on XX/XX/XXXX. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there were Addresses : XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX Accounts : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$570.00} Inquiries : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX on my credit report which is UNKNOWN to me. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time. One of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent accounts and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove/block any account which 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.

A copy of my Registration Certificate, drivers license, and Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by Experian not blocking these accounts is inadvertently resulting in me being extorted.
Product: Credit reporting or other personal consumer reports

I can see at least 10 inquiries ranging back to XX/XX/year>. 9 of the 10 inquiries are someone in XXXX XXXX, thats not me. The only one thats me is linked to the last 4 of my social of XXXX. 

I also had a call from a debt collector XXXX XXXX, for XXXX XXXX XXXX XXXX from the same person
Product: Credit card or prepaid card

To my knowledge, I was never late on my Chase credit card with account number XXXX. But I realized that I was reported as being 30 days past due in XX/XX/XXXX which is not true. I have had this credit card since XX/XX/XXXX with no late payments and not sure why all of a sudden I was reported late. To my knowledge I have always have 100 % positive payment history and have not only tried to pay way before my due date, but also have tried to pay more than the minimum amount. I am on XXXX XXXX in the XXXX XXXX and this late payment is really hurting my credit
Product: Debt collection

Transferred XXXX said monies into market rate account. Frederick Hanna garnished XXXX funds. Said funds were unprotected. Only income is XXXX funds. XXXX XXXX. Court date XXXX XXXX, 2015 @ XXXX am. Help. Bank said funds do n't have to be protected once once removed from checking to market rate account. {$200.00} left in Checking Account. {$120.00} Garnishment Fee taken by Bank also. Phone ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

The following XXXX XXXX credit card account : XXXX currently listed on my Experian and XXXX credit report is a lost/stolen credit card account and card. My XXXX credit card is lost/stolen.
Product: Debt collection

On XX/XX/XXXX, I filed a dispute for the inaccuracy of this account and submitted it to XXXX, XXXX, XXXX, and the company itself, but no one has responded. On XX/XX/XXXX, I filed a Validation of Debt to XXXX but still no response coming from them and refused to remove the inaccuracy from my credit report. The account was last updated in the sum of {$3000.00} on XX/XX/XXXX, which is incorrect.
Product: Debt collection

The collection agency has engaged in the following practices, which violate the federal Fair Debt Collection Practices Act : Repeat calls as harassment RoboCall They call numerous times Illegally Inform a Third Party About Your Alleged Debts repeatedly calling relatives, family and friends Collectors are not allowed to inform anyone about your debts. No verification of this debt. They are supposed to send within 5 days a written communication and they have not. Calls repeatedly throughout the day. Pursuant to my rights under federal debt collection laws, please cease all collection activities you have taken or are considering taking. Also, had multiple hospitalizations in the past years, so must avoid stress. I am retired and on low income. This includes high-pressure collection activity and lawsuits. I am requesting that you cease and desist communication with me, as well as my family and friends, concerning this and all other alleged debts you claim I owe. They have not provided any written communication within 5 days. 

Here are a few of the calls. XXXX XXXX XXXX is what shows on Caller ID. When answered, no one is there. 
Called from XXXX on XX/XX/XXXX at XXXX pm Called from XXXX on XX/XX/XXXX at XXXX am XX/XX/XXXX at XXXX am Called from XXXX on XX/XX/XXXX at XXXX am XX/XX/XXXX at XXXX am Called from XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

inquiry victim today i checked my report again i have inquires from companies i never authorized on all  XXXX  credit reports Experian,  XXXX ,  XXXX   XXXX .   I called the  Credit reporting agencies they told me to call the companies, i called the companies and they said for me to send a copy to them and need to investigate it because the Credit report ing agencies make mistakes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am m submitting this CFPB complaint to you today to inform you that I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts 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 accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance {$2000.00} XXXX XXXX XXXX XXXX Balance - XXXX XXXX XXXX XXXXXXXX Balance - XXXXXXXX XXXX XXXX XXXX Balance - XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX - XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX Balance {$1300.00} XXXX XXXX XXXXXXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX. 



According to FCRA Section 605B ( 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: Credit card or prepaid card

On XX/XX/XXXX, I made a transaction with a scammer for website creation to be fulfilled for {$900.00}. On XX/XX/XXXX, I made a dispute with the scammer because, by that time, there was no work done, nothing was fulfilled. I was very disappointed. I made this dispute with CITIGROUP which involved the credit card I have with them. CITIGROUP had claimed to send me a verification for me to respond to the situation but never got any notification on my account nor in my email. 

CITIGROUP has n't given me a second chance to solve this issue. They allowed a scammer to run away with my {$900.00}. And CITIGROUP is making me responsible for this loss. I 'm not happy with it. CITIGROUP needs to reconsider this situation because I 'm the victim here with no service provided for the {$900.00}. 

I tried disputing this situation over and over again but CITIGROUP is n't siding with me. 

Please help me out.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the removal of any and all " late payment '' entries or 30-day delinquencies on my XXXX XXXX account from my consumer report. 

Per " 15 U.S. Code 1666b - Timing of payments '' : ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I direct the removal of this late payment, as I am the one extending credit. Additionally, the required information was NOT received to the consumer " not later than 21 days before the payment due date. '' I demand its removal immediately.
Product: Credit reporting

I am submitting a complaint in regards to identity theft on my credit report. Experian has done nothing to remove this fraudulant information. Today I finally received notice from XXXX that they have completed there investigation and it proves there was identity theft and they will notify the credit beaurous to remove this information off my report. I have XXXXother accountXXXX that was done fraudently and I have been disputing this information but experian just keeps updating my report and leaving it on there. A XXXX account was opened up in my name and it keeps reporting as negative on my credit report. I also have XXXX other accounts XXXX ... .XXXX ... .XXXX ... ..that are reporting negative on my experian report which is incorrect. I have disputed this information numerous times and also submitted to them XXXX seperate letters that were straight from commenity bank who holds these XXXX accounts. The letter states that these accounts were not late and my report should be updated. These accounts are suppose to be showing as satisfactory on my report. I am getting the run around with these credit reporting agency 's. This incorrect information is hurting my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I received a copy of my credit report and am disputing some items that need to be deleted. I have listed the account, the opening date, and account number, when possible, below. The reasons why these items should be deleted are indicated below : ACCOUNT NAME : XXXX. XXXX XX/XX/XXXX XXXX # XXXX XXXX. XXXX XX/XX/XXXX - # XXXX XXXX. XXXXXXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please accept this letter, certified mail & return receipt requested, as an official complaint. From XXXX thru XXXX  ( current  ) I have been subscribed to credit karma services. During this time I applied for multiple lines of credit and was denied with few if any approvals. Specifically, the credit karma platform claimed I was either pre-approved for a new line of credit or that my approval odds were either outstanding, excellent, good, or fair. In reality these overinflated odds of approval were deceptive and quite harmful to my credit score. Said platform also deceptively claimed to offer lines of credit from soft pull inquiries when in fact they were hard pulls. Corrective action should be in guidance with the the FTC recommendations for being in violation of Section 5 of the Federal Trade Commission Act. Said platform falsely represented that I was pre-approved for credit offers and/or falsely represented that these offers were soft pulls when in fact these were hard pulls. This was a negligent and malicious marketing campaigns designed to trick me into taking specific actions, like applying for a credit card that I was allegedly preapproved for. This deception was for financial gain. My credit has suffered as a direct result of these unfair practices. I already demand to credit karma the following hard inquiries removed as I did not consent to such or was misled with approval odds. 

XXXX : XXXX XXXX XXXX  ( XXXX, XXXX XXXX ) XXXX XXXX XXXX  ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX : XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX ) AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Thank you CFPB for accepting my complaint against credit karma. 
Sincerely, XXXX XXXX
Product: Bank account or service

In XXXX of 2016 me and I wife opened a roth IRA with lending club XXXX dollars each. Lending club has a promotion that if we keep XXXX $ min all fees associated with the IRA would be waived. The promotion is still available in the website for verification purposes. We keep the money in cash and after learning more of the investment options in Lending club decided to move our IRA to our investment firm XXXX for more conservative options. When I called up lending club to transfer the funds they informed us that we need to call up the IRA custodian account and there would be a termination fee of XXXX $ which could be raised any time and it was left to the discretion of the custodian. In other words the custodian would charge me and my wife XXXX $ to simply close the account and transfer to another IRA account. I have retirement accounts with XXXX, XXXX XXXX, XXXX and XXXX and none have termination fees to close accounts and I am shocked at not knowing. Lending club should have been fair enough to disclose termination fees upfront and the pricing of XXXX to close a account is shocking and close to price gouging. Keep in mind all the money is still in money market and not invested in any product. To simply move my money to another account and pay a fee of XXXX $ for that is simply a predatory practise.