23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I am writing 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.
Product: Debt collection

Hello, I got sued and more than 50 % of my paycheck was taken to settle a XXXX XXXX Credit Card that did not belong to me. It was taken out with XXXX social on XXXX of XXXX and during that weekend I was in the hospital. Therefore I could have not used the card. Nonetheless, there are XXXX cards under my name and social from XXXX XXXX. I reported it but it went into collections in just XXXX month of none payment after XX/XX/XXXX. The day I stopped working at XXXX. I say this because ironically my information was stolen of my mental health in XXXX of XXXX. Yet, for some odd reason my identity was stolen either before or after this incident. I only assume that it was before I had won or better yet, before they found out who I was in XX/XX/XXXX. Then in XX/XX/XXXX I approved I belonged in the Supreme Court. I am unsure of what happened but I will not stand for getting sued and my name slandered and libely used. Judges, lawyers, the government, specially the authorities have to know the facts before they proceed legally against someone. How can you not notice XXXX cards from the same company under the same social? Then have the audacity of taking me to court and not even using my correct name. I am so disappointed in our justice system. I was a young girl who wished to be part of this system and help the people but man they or whom ever it is has none stop trying to destroy me. Not even hiding it but its a slap to the face seeing all the evidence and not even the police taking action. Im a citizen of the USA and deserve the same respect and help and freedom as everyone else.
Product: Credit reporting, credit repair services, or other personal consumer reports

Subject : Disputed Account with XXXX XXXX XXXX Dear Experian Consumer Relations, I am writing to address a concerning matter regarding a disputed account associated with XXXX XXXX XXXX on my credit report. XXXX and XXXX have already investigated this account and promptly removed it from my credit file. I kindly request that Experian follows suit and removes the account from my credit report as well. 

The continued presence of this reported information on my Experian credit report has resulted in significant difficulties. I have been denied credit and housing due to this account, receiving Adverse Action Notices as a result. I have had no contact with XXXX XXXX XXXX, and they have no legitimate grounds to collect on the alleged debt. 

I request that Experian conducts a thorough investigation and promptly removes the disputed account from my credit file. I have attached supporting documentation, including the removal confirmation from XXXX and XXXX, to assist in the investigation. I appreciate regular updates on the progress of this matter and a written confirmation once the account has been removed from my Experian credit report. 

Please conduct the investigation and correct before the next reporting date. 

Thank you for your attention to this urgent matter. I trust in the fairness and accuracy of the credit reporting system and look forward to a swift resolution before the upcoming reporting period. Please contact me if you require any additional information or have any questions. 

Sincerely, XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

When I checked my credit report, I found that some of the information was inaccurate. The 3credit bureaus are obligated to confirm these itemsunder Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to disregard these reporting itemsas unconfirmed information without providing evidence within the legally required amount of time. The following incorrect data in my credit report needs to be investigated into and corrected : 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 XXXX XXXX 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: Bank account or service

Several Wells Fargo bankers lied and coerced me into signing for openning multiple personal, business and brokerage accounts. The wells Fargo bankers stated the reason I was signing their electriconic pin pad was in ored to waive overdraft fees. This was a lie. Several Wells Fargo bankers lied and tricked me into opening several business, personal checking, savings, credit cards, brokerage and merchant services accounts without my knowledge or consent. I have filed several complaints about the fraud that the Wells Fargo bankers committed and nothing has happened. The wells fargo bankers lied to me about what they were doing. The wells Fargo bankers at several different wells fargo branches tricked me into signing for opening multiple accounts when I was told by the same wells fargo bankers that the reason I was signing their electric pin pad was to waive overdraft fees. These wells fargo bakers lied and used my signature to open several business checking, business savings, business merchant card processing as well as several personal checking and savings accounts and brokerage accounts without my knowledge or consent. These same bankers deleted these fraudulent accounts from my online banking view. Because of the bankers deleting this fraudulent accounts from my online banking view, I had no clue they existed. I had no clue they existed until I saw derogatory marks of charged off negative accounts on my credit report. This is the same exact corruption that occurred in the XXXX law suit about fraudulent accounts. Wells Fargo opened several business accounts, several personal accounts and several brokerage accounts without my knowledge and consent. The fraudulent accounts charged off with negative balances. I had no clue about the fraudulent activity until I saw the negative remarks and charged off accounts on my credit report. I have filed several complaints with wells fargo and have asked to submit to mediation with wells fargo. Throughout the mediation program, wells fargo keeps delaying and wasting time while giving me the " run around ''. The tracking number for my mediation account is XXXX. I demand that Wells Fargo fully compensate me in the amount of " {$150000.00} For all of the fraud, deceptive business practices, and defamation to character that was committed against me. Wells fargo keeps giving me the " '' run around ''. I need the CFBP to step in and demand more monetary restitution for me for to the horrendous acts of fraud, deceptive business practices and the defamation of my character by Wells Fargo. Please help me as this has damaged my credit report and has cost me losts of money and even has costs me obtaining a job.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like i'm begin taken advantage of and begin ignored if my disputes. Section 611 ( a ). It its plainly stated that a failure to investigate those items within 30 days gives reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly I demand these accounts be deleted immediately or I will file litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 7 bad marks on my credit from Synchrony bank due to their claim of delinquent payments. However, these marks should not exist because Synchrony repeatedly failed to inform me that multiple attempted payments were not going through. 

The account was paid in full XX/XX/XXXX2019, however my credit reflects Synchrony claiming I was delinquent 7 times : 30-59 days - XX/XX/XXXX, XX/XX/XXXX 60 days - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 90 days - XX/XX/XXXX, XX/XX/XXXX While carrying the loan, I'd made multiple attempts to pay my balance over phone. I was told at the end of each phone call that my payment was processed. The next month, I'd receive another statement and go through the same process, again being told that my payment was processed. All the while, I was not informed of my payments being rejected after our phone call had ended. After a few months, I caught on to the accruing late fees and un-moving balance, and when I brought this to the attention of Synchrony they had no record of ( or willingness to share ) my attempted payment. They even disconnected me on one occasion I'd brought the issue to their attention I began working with Synchrony on XX/XX/XXXX to open an investigation on my account. On XXXX, they concluded their investigation and decided there wasn't any means for removal of the marks. I've requested additional information showing my multiple phone calls, attempts to pay, and the history of " unpaid '' balances following those conversations, but their are unwilling or unable to pull that history for me.
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. 


Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXXXXXX XXXX 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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( 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.
Product: Credit card or prepaid card

I purchased some trading cards from XXXX XXXX XXXX last month. In the month of XXXX. I received the cards and they were all factory damaged like cards that were suppose to be disposed of. They sold them to me and I called XXXX XXXX XXXX to get a refund or replacement. They said no that I would have to call panini, the manufacturers of the cards. So I did and was told to send them I did and they sent them back and they refused to replace the cards and was told to call XXXX XXXX XXXX. They told me they weren't going to refund me and called XXXX  yet again. They told me to call my credit card company. So I did. Discover was the credit company. I opened disputes and they said that transactions are valid. I explained why I should get a refund but they didn't care do to the no refund policy. But that shouldn't apply if I get a bunch of cards that have so much damage to them all they are good for is firewood. 90 % of the cards are damaged. Like I stated earlier, they package they rejected cards off the line and i received them. The seller nor the manufacturer would help me. Kinda telling me " we ripped you off and what '' please assist with this. I'm out over $ XXXX. 
Discover credit card {$930.00} XX/XX/2023 {$820.00} XX/XX/2023 {$310.00} XX/XX/2023 XXXX
Product: Credit reporting or other personal consumer reports

Midland Funding is claiming that I owe a debt that I know nothing about. I have tried to get this handled on many different occasions. Please see the attached letter from the original creditor stating that they could not verify the account. Also attached is my initial complaint to the company naming Midland Funding and the account number listed on my credit report. I have already informed Midland when they would call me that I did not have a debt with this company. Midland along with the credit reporting agencies are in violation of many FCRA and FDCPA regulations along with negligence. At this time, I am only requesting the removal of the account MIDLAND CREDIT MANAGEM ( Original Creditor : XXXX XXXX ) XXXX. I do know that I am entitled to {$1000.00} per violation.
Product: Debt collection

My identity was stolen by a person who opened accounts under my name with XXXX and XXXX. The problem now relates to XXXX. XXXX merged with XXXX. XXXX sent an account in my name to a collection company called Diversified Consultants , Inc. a/k/a DCI. I filed a police report with my local police about this identity theft XX/XX/XXXX. I applied for a mortgage and it was reported by XXXX that I owed XXXX {$1900.00}. I never have had any accounts or done any business with XXXX or XXXX. DCI had reported my account as " collection '. The lender tried to resolve this matter. I joined in a conference call and the man calling himself XXXX XXXX at DCI told them : the balance is still owing ''. This conference call was made to XXXX. He lied and insisted throughout the phone call that I had to pay this balance. Additionally, DCI had this account listed as a fraud and continued to try to collect this debt when they had full knowledge that I did not owe them money.
Product: Credit reporting or other personal consumer reports

This is my second 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, remove 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. 
XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$990.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$120.00} XXXX XXXX XXXX XX/XX/year>2023 XXXX XXXX XXXX XX/XX/year>2023 XXXX XXXX XXXX XX/XX/year>2023 XXXX XXXX XXXX XX/XX/year>2023 XXXX XXXX XXXX XX/XX/year>2023 XXXX XX/XX/year>2023 XXXX XX/XX/year>2023 XXXX XX/XX/year>2023 XXXX XX/XX/year>2023 XXXX XX/XX/year>2023 XXXX XX/XX/year>2023 XXXX XXXX XXXX XX/XX/year>2023 XXXX XXXX/2023 XXXX  XX/XX/year>2023 XXXX XXXX XXXX XX/XX/year>2023 XXXX XXXX XX/XX/year>2023 XXXX XXXX  XX/XX/year>2023 XXXX  XXXX XXXX/XXXX/2023
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failed to forward consumer-provided responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Debt collection

I received a phone call from PROFESSIONAL BUREAU OF Collections a few weeks ago, they stated that i owed them a debit for services provided by western dental, they could not give me any information what so ever other than that I owed them {$1100.00}. I asked her to provide me with a bill or agreement or any-type of proof that I had received whatever service they were billing me, I than asked if this was being reported on my credit and she mentioned it was indeed. This is ridiculous how can PROFESSIONAL Bureau of collection report something on my credit and you have no information to provide the consumer whose credit they are affecting, NOT VERY PROFESSIONAL AT ALL! It has since been several weeks that I asked them verbally to remove this item off of any and all credit reporting bureaus if not send me any type of reason as to why they believe I owe them this debt. I haven't received a response and it still has not been removed from any of my credit reports. Before the phone call was over I asked them if they were recording the conversation I was having with debit collector representative, I had not been asked at the start of the conversation if they had my permission to record call and i had not given consent for them to record. She admitted the conversation was indeed being recorded, I requested copy of recording call and they denied my request. Very shady Illegally purchasing debit and soliciting me over fraudulent charges.
Product: Payday loan, title loan, or personal loan

This is not a duplicate complaint - Please do not treat it as such. 

Consumer Financial Protection Bureau Complaint For : XXXX XXXX RE : Lendmark Financial Services Credit Reporting Desired Outcome : Removal of negative reporting on credit report Situation resulting in complaint : Due to a deficiency in payment, Lendmark Financial was awarded a garnishment for loan balance unpaid. 
This balance was paid through XXXX XXXX employer XXXX XXXX via wage garnishment twice monthly from XX/XX/2020 to XX/XX/2020. 
Inaccuracy of account information : During the successful payment of the wage garnishment and preceding judgment process, Lendmark constantly reported loan balance information incorrectly to credit agency. 
Lendmark has reported non-payment during successful twice monthly payments via garnishment. 
Account was changed to Charged Off during the payment process and remains as such. 
Payments were completed. Despite this, Lendmark has reported that there is a remaining balance due of {$210.00} Examples : XX/XX/XXXX Court filing balance : {$3700.00}, despite reporting a balance of {$3800.00} to credit agencies. 

XXXX reporting balance : {$3600.00}, reporting as {$0.00} payment ( despite {$840.00} payment ). Began reporting as Charge Off. 

XXXX reporting balance : {$3600.00}, reporting as {$0.00} payment ( despite {$2000.00} payment ), and continued reporting as Charge Off. 

XXXX reporting balance : {$3600.00}, reporting as {$0.00} payment ( despite {$1600.00} payment ), and continued reporting as Charge Off. This month completed the full garnishment payment. 

XXXX reporting balance : {$210.00}, reporting as {$0.00} payment ( despite full payments completed in XX/XX/2020 ), and continued reporting as Charge Off. This was despite a call to the office from XXXX XXXX notifying the balance had been paid. 

Lendmark has sent XXXX XXXX a paid in full contract and refund of over payment in the amount of {$300.00}, despite reporting a balance due of {$210.00}
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 uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation identity. Yet, in the midst of XXXX 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.
Product: Credit reporting

I have several inquiries on my TransUnion report that I did not authorize. I have disputed these several times and called and asked for them to be removed and they wo n't remove them. This are damaging to my credit.
Product: Checking or savings account

Between XXXX XXXX of XXXX, there was fraud committed on my Chase bank checking accounts. Large sums were spent in XXXXXXXX Nevada between XX/XX/XXXX and XXXX, that I did not authorize. I am a victim of fraud and identity theft. Chase didnt notify me when that person was making multiple transactions of thousands. All the transactions were in XXXX Nevada while I was at work in California, I couldnt have authorized those transactions. I didnt even get notified by Chase about any of those transactions. The fraud also changed my email by just 1 letter and added an extra letter j and changed my address in XXXX of XXXX  to New York and Ive never lived there which can be seen in my previous bank statements and drivers license, Ive been in California ever since I got the Chase account. The total sun of those transactions is {$15.00} XXXX. I was never notified by Chase that those transactions were taking place. I have a police report and FBI reports already filed and sent fax copies to Chase fraud department that they received XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to look for a car and before I could even step on the lot the car salesman told me that they had to run my information first so I told them I don't want my credit ran and they did so anyways and without my permission. They added around 20 inquires from unknown sources to my report. i have filed a report with identitytheft.gov as well and these are the names of the inquiries ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX # XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

- vehicle total loss XX/XX/, which constitutes a material change in the consumer finance contract. 
- lump sum insurance payment to lender XX/XX/ left deficiency on loan. 
- NC contract law requires notification of deficiency following such material change - NO notification of deficiency was provided by lender, therefore the deficiency was unknown to borrower ( me ) - as soon as deficiency was made known to borrower ( 60 days after the fact via adverse reporting to credit bureau ) payment was immediately rendered to lender