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

I was asked four questions in relation to my credit report in which none of the accounts belonged to me and therefore was blocked from being verified and being able to check my credit report. I then contacted Equifax by phone on XX/XX/2018 with great concern as to why I'm being asked questions regarding accounts that are not mine. Their response? " I don't know ''. I advised the representative that, that answer does not work for me and requested a manager. The manager then asked " If I was calling to check the recent dispute? '' I stated " No. I'm calling to see why I'm be asked questions about accounts that are not mine during the security verification ''. The managers response? " Yeah, that I don't know ''. 

My complaint is that I've been asked these security questions in the past and the only answer I receive from Equifax is " I don't know ''. I feel that they are crossing my information and/or mishandling mine ( and potentially others ) information in a very careless manor and this should be investigated. 

I will continue to submit complaints until I receive a proper explanation/resolution.
Product: Debt collection

On XX/XX/21 an XXXX American woman left messages for me and also called family members claiming to be from CRM ( Critical Resolution Mediation, LLC ) .. She left threatening messages about needing to do a wage assessment and that a claim was made against me, and that I was listed as the respondent and a warrant was being issued if I didn't call back today. She threatened to call my place of employment and speak to HR. I called the number that she left on the voicemail which was XXXX. This was a bad number, so I called the number that she called both me and my brother at which is XXXX and she answered. I asked about the company name and address location. She asked my name. I told her who I was. She placed me on hold for several minutes and then hung up. I called 4 or 5 times and continued to be hung up on or sent to an invalid message. I continued to call and a white lady picked up. I asked for her name and she placed me on hold. I was disconnected. I continued to call and get hung up on 4 multiple times. I made a total of 13 calls back to back trying to get answers. I got the XXXX lady again. I asked for her name, she replied this is Miss XXXX. I continued to press for her first name and business address. She told me she was calling from XXXX in regards to a bad check from XXXX. I have never written a check for XXXX. She wanted me to confirm my social and I would not. She refused to provide any business information and hung up. I called back and got the XXXX lady again and told her that I knew that this was a scam and that I wanted to know who I was speaking to so that I could report them to the federal trade commission. She said that this was not a scam and placed me on hold. The XXXX lady came on the line again and I asked for her name and business address. She hung up again. They are in violation of multiple laws. I have filed a complaint with the FTC but I only had a phone number at the time. I have also filed a complaint with the XXXX XXXX XXXX which is where I found more complaints. I received phone calls once a week during the month of XXXX. My brother received a call from them on XX/XX/21. They threaten and harass. 

I have blocked this number but they tried calling from a different number. They are harassing me and I want something done about it.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

My XXXX lease end agreement was on XX/XX/2020, my purchase appointment date was set for XX/XX/2020, my new Purchase contact payment is scheduled for XX/XX/2020 and my consumer complaint is that XXXX reported " 30 day DELINQUENT notices '' for XXXX & XXXX and interns made my FICO drop from XXXX to XXXX and cause the Denial of my home equity line of credit. I have made contact with XXXX and they stated that they have reported their error however, when I try to contact Experian @ XXXX but after 30 tries I had no luck for they have a horrible system so I filed a complaint under report # XXXX which is only for XXXX because they do not allow me to file again which makes absolutely no sense what so ever ... 
My objected for this noticed is to seek help on assuring my credit FICO score of XXXX is return and both XXXX and XXXX delinquencies of 30 days are removed completely from my credit report for XXXX should have never reported false delinquencies. No consumer should have to bare this unfair financial reporting for it is truly successful and frustrating. Thank you and I truly appreciate your prompt enforcement in this matter.
Product: Credit card or prepaid card

I purchased shoes online, size XXXX XXXX, made and shipped from XXXX XXXX XXXX. They didn't arrive within the time advertised so I contacted the company. I received a reply from a company in XXXX saying it was being produced ans shipped from them. I responded said cancel my order, you misadvertised I'm not doing business with you. They refused to cancel my order. Finally weeks later a size XXXX show, i ordered a size XXXX XXXX. They also were not as described or shown in pictures. They were missing XXXX details and designs. I immediately reached out to the company and let them know that the shoe was a size XXXX not a XXXX as I ordered I also told them that it was not shipped or created in the XXXX as their website says and as of XX/XX/2023 they still represent that the shoe is made and shipped from XXXX. The company didn't respond. I messaged multiple times. 

I made a report with my credit card company who closed it after the company responded with proof of delivery. I again sent over multiple pictures and screens shots of what i purchased vs what I got along with my emails to the company and just one day later I get a letter saying they received my proof but didn't receive my proof. I called and no one could help me. This was complete fraud
Product: Credit reporting or other personal consumer reports

I am in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this immediately re-investigated. The inaccuracies are highly injurious to my credit score. 
Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> {$0.00} In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611.

Please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation.
Product: Debt collection

I continue to receive correspondence surrounding this account and my attorney has advised me to submit a request for this to be reflected accurately within the credit agencies. This was discharged with a bankruptcy in XXXX 2014. I have attempted to contact this collector and have sent copies of the documentation presented here ; however, there has been no response. Therefore, I am seeking assistance with resolving this matter with the hopes that a formal complaint will initiate this correction.
Product: Debt collection

I have multiple loans with Affirm Finance and have had for the past few years with no problem. I have paid off multiple loans with them. I make my payments via their app and have had no problems until now. When i went to make a payment, all of my loans except one had disappeared! It is their practice to send text reminders when payments are coming due, but this time i was unable to pay the amount in the text, because it did not appear in my account on their app! My account is showing a total balance of {$49.00} and a payment of {$15.00} due XXXX. I owe much more than this. I called Affirm customer service on XXXX to report this problem and to make my payment. The rep asked me for identification information for my account and i told him. He then stated the DOB i gave him was not the same that was listed on my account and would have to be corrected. He stated it would take approximately 3-5 days for this correction to be made, but until then, he could take no payment from me. I explained this would cause me to miss payment dates and he stated someone would be contacting me. I received an email from Affirm on XXXX from someone named XXXX XXXX stating he had received request to update my DOB, and for me to click a link to submit photos of my government issued ID such as drivers license, passport, or ID card and that once submitted to allow 7 business days for the update to be made. I do not trust this! I did NOT click the link and am still not able to make my payments on my online account. I do not know if this is fraud, but i have never had an issue like this and would like assistance correcting this issue as payments are due to them on various days and I am missing these pay dates in the meantime and do not feel i should be charged any late fees as it is not my fault!
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 found the following item ( s ) to be in error : 1. The following personal information is incorrect Former : XXXX XXXX 2. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, TX XXXX 3. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX, SC XXXX 4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. The inquiry was not authorized XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

10. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

11. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

12. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

13. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

14. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

15. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

16. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

17. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

18. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

19. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


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

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

Hello, I am hoping you can help me, please. Back in XX/XX/XXXX when I was XXXX, I got my first Credit Card through XXXX XXXX. I barely had any work history so I never thought I 'd get approved, but decided to try anyway. Fast forward through a few years, I tried to make it living on my own and racked up a lot of credit card debt. This card was closed with a balance of somewhere in the mid to high XXXX. 

In XX/XX/XXXX, a judgment was opened against me and they asked me to appear in court ; which I declined due to a snow storm and the long commute, but my father and I spoke with whoever was handling the case at the time and tried to offer a settlement. They were coming after me for over XXXX and we tried to settle for a little over XXXX paid in full, but they declined. 

Since XX/XX/XXXX, I did not have any kind of stable employment, I was a college student and worked on paying off my smaller debts and rebuild my credit. 

Last year, they tried to come after me again by garnishing my wages when I was working for a company called XXXX ; however, their request was declined due to my low hourly wage and part time hours. 

4 months ago, I started working for XXXX XXXX full time, and I am just barely crawling out of the hole I made for myself. After my mortgage ( house is in my boyfriends name only ), bills, car payment, paying our pet sitter, etc ... I barely have {$300.00} left for myself for two weeks for food and gas and to do anything fun for myself on the weekends, and now they are threatening to garnish my wages again by the end of XXXX. If this happens, everything I worked so hard for, all the debt I paid off, the credit I built will be for nothing. 

My job is moving to a new location in XXXX that is XXXX miles from my house, and I am trying to buy a house closer to work, but until then if my wages are garnished I definitely wo n't have enough money to get to work. 

If this debt is not 7 years old yet, it is very close to 7 years old. I will need to obtain my detailed credit report for the exact date since XXXX XXXX is limited. They are coming after me for {$4400.00}
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX, Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX, and so on.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already contacted Navy Federal Bank several times via secured message as well as phone calls on throughout the month of XX/XX/XXXX,  XX/XX/XXXX, and XX/XX/XXXX. Sometimes numerous of times trying to get this resolve. 

I have several inquiries on my accounts within days apart or within one week apart. Some stem from one auto loan request that the representative claiming my credit would not be ran or impacted because it is all within one month. And these were simply appeals and they other ones were not authorized by me at all. 

I have inquiries that were not authorized for XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX
Product: Debt collection

On XX/XX/XXXXXXXX  I got a copy of my credit report. The XXXX XXXX  account wasn't on that report. Today, XX/XX/XXXXXXXX  there is a fraudulent debt of {$1000.00}. I am the victim of identity theft. Someone stole my identity information and opened this fraudulent account. On XX/XX/XXXX, a rep named XXXX would not assist me further when I inquired about the debt validation letter, or access to the fraud account. I was told repeatedly that fraud department would contact me and that I had to physically go to a store in order to verify or change the pin, which I have no knowledge of whatsoever.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite my better effort all three credit bureaus have done what theyve always done which is barely look at an account that has zero to do with me and after filing two consecutive FTC and CPFB complaint XXXX  continues to claim that I have an account with XXXX  that I never have had. There investigation proved and asked nothing. This is a suprise to no one since they are the largest financial contributor to these companies must maintain a " reasonable procedure '' to respond to identity theft notices by a CRA, and refrain from reporting information about an account that you previously reported was the result of identity theft. ( 15 U.S.C. 1681s-2
Product: Credit reporting, credit repair services, or other personal consumer reports

I've reported fraud via mail and I haven't received an update.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's 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. 

I have had zelle with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

On XX/XX/2023 I received an invitation to apply for Wells Fargo Reflect card via USPS. On XX/XX/2023, I applied online using the specified website : wellsfargo.com/mynewcard and entered the reservation number provded in the invitation letter. On XX/XX/XXXX, I received two emails with conflicting information. At XXXX the first email from Wells Fargo stated that my application was denied, however in that same minute, XXXX, I rceived a second email from Wells Fargo stating that my application was pending and needed to verify some information. Not knowing what was happening, I scheduled an appointment for XX/XX/XXXX at the local WF bank. I met with XXXX and she was able to look up my account information and she told me that my application was denied.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regardinXXXX XXXX XXXXndling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using zelle numerous times and reporting discrepancies, my XX/XX/XXXX and Zelle failed to investigate my claims adequately.They informed me that recovering lost funds impossible and that tracking these transactions was infeasible.The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeated 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: Debt collection

This company called Midwest Recovery System said I owed XXXX. 
When I checked my credit report I notice they put it in collections I dont owe this debt. I am so furious .I called this company with XXXX from the fraud dept This guy I talked to was very rude told I dont owe this. Then I said I never received anything about this. 
all of a sudden I got a document from them thru email. How about that showing up I want this off my credit report.I. gave him info all of a sudden I got a document.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received to hard inquiries dated on XX/XX/2018 and XX/XX/2018. I was unaware of this inquiry because I never applied for a loan with Syncb/CareCredit. I reached out to the company in regards to the situation and they quickly removed the credit from my report however, both inquires are currently causing damage to my credit score and I would like for them to be removed due to identity theft.
Product: Credit reporting or other personal consumer reports

Months ago, I have sent a letter to the XXXX credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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

The banking system relies on my consumer reports being fair and accurate to me, as stated in 15 usc 1681 ( a ) ( 1 ). As a result of your carelessness and allowing inaccuracies to be furnished on my consumer reports, I have lost all confidence in the banking system, and I will no longer extend credit to anyone, nor will I allow you to furnish a report on my behalf. As a result, I'd like to officially terminate all business and services.
Product: Credit card or prepaid card

My name is XXXX XXXX XXXX Phone # XXXX Birthdate XX/XX/XXXX Last 4 numbers on card XXXX I have charges on my government unemployment issued card that I did not make. I had been diagnosed with Covid-19 and believe that it was used while my sister had someone taking care of my place. 
I've contacted XXXX at XXXX And the will not reimburse me due to me not being able to verify an email address but it wasn't my email address which is XXXX The charges are XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  phone # XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX phone # XXXX XX/XX/XXXX {$60.00} XXXX. {$40.00} XXXX {$35.00} XXXX phone # XXXX and XXXX They gave me a claim # and then said they could not refund due to me not being able to verify an email address or a gaming name ( name for online game use ) they also said That they can't stop the {$15.00} a month subscription to my card. 

All are for XXXX XXXX XXXX. {$19.00} XXXX. {$19.00} XXXX. {$9.00} XX/XX/XXXX {$9.00} x 3. ( Three charges ) XX/XX/XXXX {$9.00} XX/XX/XXXX {$9.00} XX/XX/XXXX {$15.00} XX/XX/XXXX {$15.00} XXXX {$9.00} XX/XX/XXXX {$15.00} PMTS CLEAR. Phone # XXXX..they said it's a dating site and the email address was not mine but said they issued a check to me on XX/XX/XXXX however I have not received it so they said they tried refunding my card on XX/XX/XXXX and it was denied. I don't think they even tried. 
XX/XX/XXXX {$39.00}