23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2022, somebody fraudulently applied for a XX/XX/XXXXXXXX credit card using my name and social security number, resulting in a hard inquiry on XX/XX/XXXX to each of the credit reporting agencies ( XXXX, XXXX, Equifax ). 

I contacted XXXX XXXX on XX/XX/XXXX, they agreed the credit card application was fraudulent and cancelled it. 

I filed disputes with the credit reporting agencies to remove the hard inquiry. XXXX agreed this is identity theft and removed the hard inquiry from my credit report. Equifax, however, said 'this is a factual statement of access ', and refused to remove the fraudulent inquiry from my credit report. ( XXXX asked me to mail in a written dispute ; I haven't yet heard back. )
Product: Mortgage

I am having a very difficult time with SLS. SLS has a 2nd lien on my property that was charged off. Did not hear from them for over 10 years. Then out of nowhere they contacted me and acted like a very aggressive debt collector. My husband XXXX XXXX passed away in 2015. I XXXX XXXX XXXX am XXXX years old and living on a fixed income. I was told by SLS they would not do a loan modification on my home unless I came up with {$30000.00} cash. I do not have that kind of money, due to the fact I am only receiving social security.
Product: Credit card

Elan Financial Services had a promo : Earn up to 20 % more Cash Back ( up to {$20.00} ) on purchases after you spend {$50.00}. * Enroll by XX/XX/XXXX, and eligible purchases made from XX/XX/XXXX - XX/XX/XXXX, will count toward this offer. 

I completed well over the required threshold to earn the full {$20.00}. My account was never credited the {$20.00}. I attempted to resolve with their customer service XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Ultimately being told they dont understand why Ive not received credit but still wouldnt credit it so I requested to close this account. According to XXXX reviews, a lot of customers recently have had negative experiences with this company. I then receive a response 5 hours later after requesting card be closed that it may be credited the following month but I was told that for the previous month. Just more nonsense. A customer service specialist reached out and when I responded letting them know Id be filing this complaint, there was no response.
Product: Debt collection

I received 2 garnishment orders at my work within a week of each other from the same attorney representing 2 different debt collection firms for a judgement against me from XXXX which was never renewed before the 10 year expiration date and from XXXX and I called them after being served the first one and was hung up on. I was never served to answer either of these judgements and I don't even know who they bought these accounts from or the amount that I owed when the accounts were bought but I am 100 % sure that I never had a credit card with those amounts on them so I don't know if these debts are even mine.
Product: Debt collection

I am lodging a formal complaint against accelerated financial. this debt collection company has violated the fcra and my rights. accelerated financial has 2 negative accounts on my credit reports 1 for {$840.00} and the other is for {$620.00}. I have no clue what this debt is and ive sent them debt validation request and they continue to ignore my requests, but they are still reporting every month on my credit reports which is a violation of the fcra. I am in the process of purchasing my very first home for my family and im being told these 2 accounts that does not belong to me is stopping me from being approved. I am requesting these 2 accounts be deleted immediately from my credit reports. I will sue if I have too. thanks for your time!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a letter regarding inaccurate and unknown information on my credit report. To this day over 30 days later, I have received a response yet. I feel like they are taking advantage of me because they control my report, so they can just ignore my disputes. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives reason to immediately remove those inaccuracies off my credit report. They are outside the scope of their investigation period, so those items should be deleted promptly. I demand these accounts be deleted immediately or I will be seeking litigation of the matter due to the stress this has placed on me and my credit report.
Product: Credit reporting or other personal consumer reports

I check all three of my credit reports in XXXX and found that there had been some inquiries made on my credit report without my knowledge or authorization. I sent out dispute letters to all three credit bureaus and have not received a response back from them regarding these inquiries on my reports. I have requested Debt Validation Request and a verification under 15 U.S.C. 1692g ( FDCPA ). I have not received this information as if of today. 
I have also filed a report with the FTC and have enclosed that with this report.
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, 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 XXXXXXXX XXXX XXXXXXXX - {$1200.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of my disputes, particularly in light of the recent XXXX lawsuit, highlighting significant issues with the platform despite using Zelle numerous times and reporting discrepancies my financial institution in Zelle failed to investigate my claims adequately. They informed me that the recovering loss funds was impossible, and that the tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

I initiated communication with XXXX XXXX XXXX XXXX by sending a letter requesting them to opt me out of reporting for account number XXXX. Regrettably, not only did they neglect to fulfill my request, but their response was unrelated to my original letter, which explicitly asked for opting out of reporting. I have attached the original opt-out letter, two documents providing opt-out laws and their definitions, and a copy of the account details and reporting from all three reporting agencies, XXXX credit card agreement to show they have arbitration in their agreement as well as their arbitration instructions document. The documents reveal several inaccuracies present in the reports, and all relevant dates and information pertaining to this complaint have been provided for your review.
Product: Credit reporting, credit repair services, or other personal consumer reports

I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC I demand you to remove the account from all 3 of my credit reports asap or I will file litigation against your company for furnishing a false account on my credit report. 

I constantly check my credit report, I noticed that the errors and misleading information for individual accounts didnt quite meet the credit reporting standards of being 100 percent correct. This has damaged and held me back for some time. Im demanding CFPB to enforce the correction and or deletion of these items I demand every item on this letter be reinvestigated for the completeness and accuracy and deleted as it dont meet the standards that are required under the us code. 

PLEASE BLOCK ALL THE ACCOUNTS ON THIS FTC REPORT, THESE ACCOUNTS ARE NOT MINE. THEY ARE A RESULT OF IDENTITY THEFT. IVE BEEN A VICTIM OF REAL NAME ID FRAUD. THE COMPANIES LISTED ON THIS FTC REPORT HAVE TO VALIDATE DEBT AS BEING MINE AND VALID. I ALSO WOULD LIKE TO KNOW THE METHOD USED TO VALIDATE THE DEBTS. THE FOLLOWING INQUIRIES ARE NOT MINE, THEY ARE FRAUDULENT AND THE VENDORS REPORTING THEM MOST SHOW THAT THEY HAD THE LEGAL AUTHORITY TO ACCESS MY CREDIT REPORT OR THE INQUIRY MUST BE REMOVED.- XXXX XXXX XXXX ( XXXX XXXX ) XXXX XXXX XXXX ( XXXX XXXX ) XXXX, XXXX ( XXXX XXXX ) XXXX ( XXXX XXXX ). PLEASE REMOVE THE FOLLOWING NAMES, ADDRESSES, PHONE NUMBERS AND ANY OTHER VARIATIONS YOU HAVE THAT MAY NOT BE LISTED ON THIS DOCUMENT. REFER TO ATTACHMENT 1. 

MY LEGAL NAME IS XXXX XXXX XXXX PLEASE REMOVE THE FOLLWING NAMES AND ANY OTHER NAMES YOU HAVE ON MY CREDIT REPORT THAT MAY NOT BE LISTED ON THIS DOCUMENT : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX MY CURRENT ADDRESS IS- XXXX XXXX XXXX XXXX , MI XXXX PLEASE REMOVE THE ADDRESSES AND ANY OTHER ADDRESSES YOU HAVE ON FILE FOR ME XXXX XXXX XXXX XXXX , MI XXXX, XXXX XXXX XXXX XXXX XXXX , MI XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  MI XXXX, MY PHONE NUBER IS- ( XXXX ) XXXX PLEASE REMOVE THE FOLLOWING NUMBERS AND ANY OTHER PHONE NUMBERS YOU HAVE LISTED ON MY CREDIT REPORT MY SOCIAL SECURITY NUMBER IS- XXXX PLEASE REMOVE THE ALL OTHER SOCIAL SECURITY NUMBERS OR VARIATIONS FROM MY CREDIT REPORT PLEASE PLEASE REMOVE THE FOLLWING EMPLOYERS AND ANY OTHER EMPLOYERS YOU HAVE ON MY CREDIT REPORT THAT MAY NOT BE LISTED ON THIS DOCUMENT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had purchased an item from XXXX and financed through affirm. The item was returned and Bank reported me as 30 days late. I also made a payment and paid in full. After speaking with rep they stated they would remove it but never did.
Product: Credit reporting or other personal consumer reports

I am writing to formally demand the immediate deletion of any derogatory information on my credit report that has not been fully verified as true, correct, complete, and compliant with all applicable reporting laws, including the FCRA, FCBA, FDCPA, and METRO 2 COMPLIANCE STANDARDS.

It is illegal to retain or report misleading or unsubstantiated information. Therefore, I demand the deletion of the following illegally reported allegations :
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive contacted Kia motors numerous of times and informed them that I do not give them permission to give my information to any credit bureau. I also reported that they are not allowed to report any negative balances, remarks etc on my report with any bureau. This is my right as a consumer, and I demand they stop immediately. My information is not to be shared with any third party.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have right under 15 USC 1681.

Equifax is govern by 15 USC 1681 & they violated my rights numerous of times. I demand the accounts listed below be removed because according to 15 USC 1681 : I have the right to privacy & I did not give Equifax written permission to furnish these accounts. 

INQUIRIES XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX I received a promo email from XXXX XXXX so on XXXX I called XXXX to inquire about deals they had for me as a long time XXXX XXXX XXXX customer. The lady verbally stated offers that conflicted from what their website showed. I told her it sounded like a scam. she asked for my SS # to run a credit check. I told her I would not allow her to run a credit check and was only inquiring about what deals they had. She asked for my drivers license #, once again I told her I would not allow her to run a credit check and there should be no need anyway if she was indeed XXXX XXXX because I was a long time XXXX XXXX XXXX customer. I finally hung up on her. I called XXXX XXXX XXXX on XXXX to inform them of my bad experience with her telling me about deals that could not be confirmed on the website. He apologized on her behalf. on XXXX at XXXX XXXX I got an email from XXXX XXXX saying XXXX XXXX had ran a hard inquire on me. XXXX XXXX at XXXX XXXX I received a call from XXXX saying she was at XXXX XXXX call center in Texas and was scheduling an install.I explained to her the phone conversation ion Saturday as well as the hard inquiry. she said she would have the inquire removed but needed an email for me for the credit reporting agencies. She then said she could not take my email because it was too long ( XXXX ). I called XXXX XXXX XXXX XXXX and spoke to XXXX. He was not helpful and kept saying I had ordered services. I asked for a floor manager, he put XXXX on the phone XXXX who was not much help either and said I should put a freeze on my credit. he did finally agree to call me by the end of today to tell me if the two ladies I spoke with here their employees. he would and could do nothing more for me except sell me XXXX XXXX services.
Product: Debt collection

Midland Credit Management, I presumed, represents credit card companies from XXXX XXXX XXXX, XXXX, and XXXX. 
They issued credit cards to my ex-wife, XXXX XXXX, and I received daily phone calls from Midland Credit Management demanding I pay a debt I do not owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

I entered my information for utility account freeze to protect my credit. However, after I entered the information online I did not receive a 10-digit pin that is required to unlock/change options and it just went ahead and froze my information. 

The company does not have an answering phone and there is no email address to get help. I followed their instructions, reluctantly because it required sending my personal information ( name, address, dob, ss #, and 2 identifying documents - electric bill and pay stub ). I sent this information on XX/XX/XXXX via US mail to : Exchange Service Center XXXX XXXX XXXX XXXX, GA XXXX I requested a 10-digit pin as well as requesting they unfreeze my information if they were able to do so. 

As of today, XX/XX/XXXX, I have not received a pin, have no idea if they received the information I sent, or if it is being processed. It has now been more than 2 months since I mailed my personal information. Because there isn't an answering phone number or email I am unable to follow-up to determine if they received it and the status. I just want my pin to cancel my relationship with NCTUE and unfreeze my credit.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : # XXXX, XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX : # XXXX. 

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 : States a consumer reporting agency can not furnish an account without my written instruction.

15. U.S.C 168c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15. U.S.C 1681s-2 ( A ) ( 1 ) : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

Subject : Formal Complaint Regarding Recurring Transfer Issues and Request for Resolution Dear Zelle Customer Support, I am writing to formally express my frustration and disappointment regarding the recurring issues Ive experienced when attempting to transfer money through Zelle. On several occasions, I have been unable to send funds to individuals who are saved in my contacts, despite meeting all the necessary requirements for successful transactions. 

When I contacted Zelles customer support for assistance, I was repeatedly redirected to my banksXXXX and XXXX XXXX XXXX XXXX. However, both institutions have made it clear that the issue lies within Zelles system and not with their banking platforms. This constant back-and-forth has resulted in significant delays, with no proper resolution provided. 

These ongoing issues have caused severe disruptions in my life. Specifically, Ive experienced : Delays in paying critical bills, leading to late fees and financial penalties. 
Interruption of my ability to support my family financially during crucial times. 
Significant stress and inconvenience due to time wasted attempting to resolve these issues with no clear guidance. 


I kindly request that Zelle conduct an immediate investigation into these issues and provide a clear resolution, along with compensation for the financial and personal impact this has had on my life. If this matter is not addressed adequately, I will consider escalating my complaint to regulatory agencies or seeking legal advice to explore further remedies. 

Thank you for your attention to this matter. I look forward to your prompt response.
Product: Credit card or prepaid card

I was pre-approved in the store for an Ulta card. I received a letter within two weeks saying I did not qualify for the card and never received a card. I just received a letter informing me due to lack of inactivity on the card my account is closed. I shouldn't have an credit card account if I didn't qualify for said card.
Product: Debt collection

I have disputed validation of debt several times with XXXX XXXX resurgent capital and now another Mandarich law group claiming to have validation I owe a debt. I requested validating evidence with my signed contract and anything to show the debt is indeed mine. Today XX/XX/XXXX I was sent an unsigned contract with no name on it from Mandarich law group claiming to represent XXXX XXXX who has refused to validate said debt. XXXX XXXX seems to no longer exists as they have never answered a single letter I send them for proof. The contract shows an online account under the name XXXX. This is not me. They have no proof this debt is indeed mine. I want this removed immediately from my credit reports. Please investigate this matter.
Product: Credit reporting

I have contacted Equifax four times about inaccurate information that is on my credit report. Each time they claimed to have verified the information without providing me with any physical verification. This is totally violating the laws in the Federal Credit Reporting Act. I have requested repeatedly that they delete these items from my report but they have refused.
Product: Checking or savings account

I have a account with Wells Fargo before I would never have no issue with no money in my account cuz I get direct deposit but it would take a bit. And then the bank would charge me a maintenance fee for my account that I was never aware. It feels that I have to a direct deposit continuing in order to avoid that when that direct deposit can be going to a different bank that is of my choosing. And to stop their overdraft fees
Product: Student loan

RE : 15 U.S. Code 1681g - Disclosures to consumers I am writing this complaint to exercise my right to request verifiable proof of the negative events you have listed within my credit file. The 15 U.S. Code 1681g - Disclosures to consumers requires CRA 's to disclose the sources of information regarding the negative events that are being reported by your agency upon request by the consumer. 
Currently NAVIENT is reporting XXXX charged off Signature Loans that were originally serviced by XXXX XXXX. I recently learned that XXXX loans are being reported for a school that I NEVER ATTENDED and from research discovered that does not exist. 

I have never attended any XXXX! 

School XXXX XXXX XXXX XXXX XXXX Lender NAVIENT CREDIT FINANCE CORP Disbursement Date XX/XX/2006 Original Principal {$3000.00} School XXXX XXXX XXXX XXXX XXXX Lender NAVIENT CREDIT XXXX XXXX Disbursement Date XX/XX/2006 Original Principal {$7000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Consumer Loan

XXXX I DEPOSITED A XXXX PARTY CHECK ( {$1900.00} ) ENDORSED TO ME BY MY CLIENT, AS A PAYDOWNTOWARD MY LINE OF CREDIT ( L.O.C. ). I DEPOSITED THIS IN PERSON AT THE ABOVE BRANCH. TELLER DIDNOT TELL ME THAT BANK DOES NOT ACCEPT 3rd PARTY CHECKS AS L.O.C. PAYMENTS. BANK REVERSEDTHIS WITHOUT A NOTIFICATION. I INQUIRED WITH THE BANK ABOUT THE REVERSAL. THEY SAID THATTHEY MAILED THIS CHECK TO ME. AFTER A WEEK OF NOT RECIEVING THE CHECK, I CALLED THEM. THEYSAID THEY DO N'T KNOW WHAT HAPPENED. THEY WILL STOP THAT CHECK AND ISSUE ONE TO ME. IASKED THEM TO JUST ELECTRONICALLY FUND MY CHECKING ACCOUNT ( TO REPLACE THAT CHECK ) SINCE THERE IS AN ISSUE WITH MAILING. WHAT THEY DID WAS ELECTRONICALLY WITHDREW MONEYOUT OF MY CHECING ACCT. TO PAY MY L.O.C. I TOLD THEM THAT I CAN NOT LEAVE MY BUSINESS TOCHASE A CLIENT FOR ANOTHER PAYMENT. IT WAS CHASE 'S MISTAKE AND THEY SHOULD REMEDY THEIRMISTAKE. THEY REFUSED. I HAVE TRIED TO RESOLVE THIS WITH CHASE 'S L.O.C. DEPT., BRANCHMANAGERS XXXX XXXX XXXX AND XXXX XXXX XXXX, AND THE ESCALATON TEAM ( XXXX XXXX XXXX. 
XXXX XXXX XXXX. I WAS GIVEN CASE # XXXX. I CALL THEM EVERYDAY TILL TODAY AND GETONLY 'THERE IS NOTHING WE CAN DO. WE DO N'T KNOW WHAT HAPPENED. WE DO N'T ACCEPT 3rdPARTY CHECKS. ' ALL REFUSE TO PUT ANTYTHING IN WRITING. SO I HAVE TO EXPLAIN MY ISSUEEVERYDAY TO THEM. 
XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

A hacker from XXXX XXXX  got into my XXXX  and chase account. And has been using my information