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

Elan Financial Services did a hard credit inquiry on my credit WITHOUT my permission.

The reason why they did it without my permission is because I have a SECURED visa card that is secured with my own funds. 
In order to increase the credit on this type of account, you have to request a credit limit increase in writing by submitting a cashier check or money order and a written request to increase the credit amount on this type of secured visa credit card. 
In the letter, you also have to state your gross income, and monthly rent amount. 
The instructions on the letter did not say they would have to do a HARD credit check. 
This is wrong and fraudulent and misleading to do a HARD credit inquiry on a secured visa card. And whats so disappointing is a regular credit card never did any type of hard credit inquiries whenever i requested a credit limit increase. I have a master card and a 2 store credit cards and never ever have they ever did a HARD credit inquiry. 
Now, i understand, if i was trying to apply for a new credit with a new card, yes, i would expect to see a HARD credit check, but for a secured credit card that i had for over 6 years, that i personally funded with my own money, and you still do a HARD credit inquiry? this made me so upset and mad because this company does not want me to succeed at all. And i decided to give my secure my funds with an existing credit card, if i would have know that they were going to be evil and do a hard credit check, I would have gladly opened up a new credit card with the intentions of seeing a Hard Credit Check because of this new credit card.

I already wrote to Elan Financial and they replied back. I also submitted a dispute to XXXX  credit bureau. 
The date this hard credit inquiry occurred XX/XX/XXXX XXXX
Product: Credit card

on XX/XX/2023 i went to the gas station to fill up my car the amount on the pump was XXXX my credit card was charge XXXX credit card company said they can not help me with out a receipt.
Product: Credit reporting or other personal consumer reports

I submitted a written letter to the three major credit bureaus to update the correct spelling of my name, my current address and employer my social security number and date of birth while requesting the removal of previous incorrect information. I mailed that letter on XX/XX/2024. 
XXXX, XXXX and Experian denied my written request in a letter response to me sent via mail to my current address. ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Product: Credit reporting or other personal consumer reports

BRCLYSBANKDE XXXX : XXXX XXXX, XXXX  - Bank did a hard credit check on my account. I don't even know who they are or where they are located.
Product: Student loan

Navient is attempting to reach out to me to repay my student loan, even though the freeze on student loan payments runs through the end of the year. Navient is well known for predatory practices, and this is just another report of predatory collection practices in an attempt to circumvent the law.
Product: Vehicle loan or lease

I have finished my lease term and am looking to purchase the vehicle. Due to the nature of this account, my account is being handled by the " post-bankruptcy '' department. I have spoken to post-bankruptcy department almost 12 times. I have been provided 3 different amounts as the amount I need to pay and no paperwork to confirm the amount. XXXX in post-bankruptcy told me the amount I owe is {$15000.00}, then he said {$16000.00} and then it changed to {$18000.00}. When I asked him why the difference, he was unable to answer. I asked for the paperwork to be mailed or emailed to me so I can review it and he said that is against the policy. He would only fax. I provided a fax number and was told I would receive the information in 24 hours. This was on XX/XX/24. I have not received a fax as of XXXXXXXX XXXX XX/XX/24. I attempted to call yesterday and explain the situation. I asked for a supervisor and was refused. I was placed on hold until ultimately I was hung up on. I called again XX/XX/24 and attempted to have the paperwork faxed. The representative said 24 hours. I have not received any paperwork to buy the lease and can not get through to a supervisor or another department to assist. Today, XX/XX/24, I spoke with XXXX who said he will request another fax, but he refused to provide a buyout amount, stating it will be on the fax. Im not even sure where or how to send my payment. It is starting to feel as though this department is trying to scam money out of me. I do not even feel confident my money will go to the correct place if I send them my money. I am requesting a phone call from supervision so I can have this issue rectified and receive my paperwork.
Product: Debt collection

I received a summons in the mail on XX/XX/XXXX saying that I had outstanding amount with a company I have never heard of in regards to an old account I had. The person delivering the summons specifically said that I dont have to do anything in regards to the summons and all I had to do was call the number listed. After attempting to reach out to the company via multiple phone numbers listed and getting no response, I did my research. I am now realizing that I have to respond to the summons mentioned above. Thankfully I am still within the 21 day timeframe to respond to the summons. However, this experience was horrible I had received zero communications and received no proof of debt from this company. I was also told not to respond to the summons that was sent, which I have learnt, leads to an immediately decision made against me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Account Number - XXXX I hereby dispute the validity of the alleged debt listed below Entirely. I also request verification of the alleged debt, Specifically, a copy of the ORIGINAL PURCHASE AGREEMENT. Agreement must be with the original creditor and signed by all parties involved. I am requesting this because I have had different companies reach out to me about this same alleged debt. I am requesting immediate deletion of all prior reporting made any reporting agencies, XXXX, Equifax, XXXX and XXXX. You must Cease Collection efforts until this alleged debt is validated. you must proof that you legally own this alleged debt and that it is accurate and complete. Thank you for your understanding
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX XXXXXXXX Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Payday loan, title loan, personal loan, or advance loan

I require proof of claims to be authenticated and identified by competent XXXX XXXX  fact witness XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  is XXXX. Prove all debts on report XXXX XXXX XXXX in its XXXX XXXX XXXX XXXXXXXX. The only contract that exists is a linear contract, which unlawful and is an unconscionable XXXX XXXX XXXX XXXX XXXX XXXXXXXX. It only contains my autograph no other parties signed the contract.
Product: Credit reporting

I have multiple inquiries from he following companies - i did not authorize these requests for credit. I 'm attaching the identity theft report - i did not authorize these companies to pull my credit and a lot of the companies are listed as duplicates the companies are as followed : XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX ( XXXX ) i would like them removed from my credit file
Product: Debt collection

Over 2 months ago I demanded validation of the debt that MARS INC is attempting to collect. You have failed to respond to any of my requests for additional information to determine if this account is legitimate. As a previous victim of identity theft I am concerned about the origin of the account. Despite failing to provide the information to validate the debt you are still reporting the negative account information on my credit report. By failing to provide the information requested to validate the debt AND still reporting the information to the credit bureaus, you are in direct violation of the FCRA and the FDCPA.
Product: Credit reporting

This is a Formal Complaint Against Equifax. 

You are reporting inaccurate credit information. 

Company : XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX, TX XXXX Number : XXXX Opened : XXXX : EQUIFAXThe tradeline/account/information therefore needs to be removed/deleted. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible. 

I have been asking for an instrument bearing my signature from Equifax regarding the removal of this tradeline for over 6 months. 

The listed item is entirely inaccurate and as such represents a very serious error in your reporting. 

Please be advised that I am not requesting a verification that you have my mailing address ; rather, I am requesting validation, i.e., competent evidence that I had some contractual obligation sans consumer protection encumbrance which incurred the original claims associated with this tradeline. Note that section 1681s-2 ( b ) of the Fair Credit Reporting Act creates a cause of action for a consumer against a furnisher of erroneous credit information ( XXXX XXXX XXXX XXXX ). 

Please know that you have 30 days to either answer these demands or to remove the associated negative tradeline notations from the CRA reports. Any other action may constitute evidence of your intent to abridge XXXX or more civil or other constitutional rights. Please be further advised that continued unsubstantiated reporting of possible inaccuracies to third parties may provide a basis for criminal complaints being filed in accordance with FDCPA, FCRA, and other federal statutes. 

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months. 

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.
Product: Checking or savings account

On the XXXX XXXX XXXX Monday afternoon I stopped at wellfargo bank ATM on XXXX XXXX XXXX XXXX XXXX and because I have two XXXX in the car I sent my XXXX to withdraw and I parked where I was able to see him at the bank lobby he withdrew {$140.00} from the checking account and later in the day like past XXXX  I noticed a check of {$830.00} was deposited into my account and {$800.00} withdrawn. 
I never got any check from anyone neither did I make the withdrawal and on the XXXX of XXXX been the next day I called the bank and filled a complaint and they never called back with any resolution till I called back today XXXX and they told me that the closed the claim because they cant pay! So how can I defraud my self?? 
Who owns the check? 
Who withdrew the {$800.00} Where is the footage of the person that deposited the check? 
Please I need answers, how can my salary disappear from my bank?
Product: Mortgage

Currently undergoing a Deed In Lieu with Wells Fargo that started in XXXX, XXXX ( last mortgage payment made in XXXX ). Throughout this process I have made every attempt that I know how to make, in order to facilitate closure of this DIL. I am on my third or fourth Home Preservation specialist ( since XXXX XXXX ) and every time I attempt to contact the current specialist, that individual is not available, nor do they return my call. I have gone into the local Wells Fargo Home Mortgage branch in XXXX, CA. in the hopes of learning something and utilizing an internal Wells Fargo email system. The local mortgage specialist did help by sending an email to my specific home preservation specialist ( at the time ) and CC 'd her manager. No reply was ever received by either party and when I emailed the local representative back, no reply was ever received. I have sent, and re-sent duplicate documentation ( multiple times ) whenever Wells Fargo asks for it throughout this time period. On the rare occasion I am able to talk to another ( not mine ) home preservation specialist, the typical response is that my specialist is assisting another customer, and that they would leave them a message. When asked to look at my account, the individual I speak with responds with the typical phrase " it 's in loss mitigation, we 're sending them an email right now and you 'll get a call back within XXXX48 hours. '' Call-backs never happen. This process has tanked my credit and I expected that. What I did not expect, was for this to last 1 1/2 years. Wells Fargo was given all information they asked for, within 8 hours of them asking. This lack of communication and action by Wells Fargo is damaging my abilities as a responsible consumer. I have multiple documents involved with this process and will upload them. I was contacted by the VA in XXXX, XXXX and in the VA 's notes from Wells Fargo, it shows that " the DIL has been approved '', however I am currently receiving letters post-dated after that information was posted to the VA representative. In XXXX, Wells Fargo procured homeowners insurance on this property due to my private insurance running out on XXXX XXXX, XXXX. I spoke with Wells Fargo Insurance division and relayed my concerns about Wells Fargo purchasing additional insurance on this residence, as I would no make payments for additional insurance on the property if I ca n't afford the mortgage, and that I did n't want to become delinquent to whatever 3rd party Insurance company Wells Fargo contracted with. Wells Fargo went ahead and purchased the insurance and I have been assured that I will not show as delinquent to this 3rd part insurance provider, even though they 're not receiving a payment from me.
Product: Prepaid card

I bought two XXXX XXXX  Gift Cards ( {$500.00} each ) at XXXXXXXX XXXX on XX/XX/year>. I tried to use them the second day but both of the cards were not working. So I contacted the company to investigate the case and a case number ( XXXX ) was given me at that day. I submitted all documents on XX/XX/year>. At that time, the agent told me the investigation usually takes 3-5 days but in rare case can take up to 30 days. So I contacted them again on XX/XX/XXXX again, only to be asked to wait for 30 days. Today, XX/XX/XXXX XXXX after I submitted all documents, I called them again. This time they told me it was not 30 days but instead 30 business days. The agent I talked to just kept saying it is 30 business days even though conflict information was given by previous agents.
Product: Payday loan, title loan, or personal loan

I took out a loan with Net Credit on XX/XX/2018 for {$6400.00} and I have paid all of the {$6400.00} with the exception of {$850.00} and they are still trying to collect another {$6400.00} over and beyond what I should have paid in interest fees, and to make matters worse they do not show any of the monies I did pay on the account and they have 3 charge offs on my credit file for the same exact account. Of course I have my banking records which clearly indicate all of the money taken out of my account every two weeks which will prove I am telling the truth. My contact is XXXX XXXX XXXX
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 # XXXX Account name : XXXX Acct # XXXX Account name : XXXX XXXX Acct # 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.
Product: Checking or savings account

On XX/XX/year> XXXX bank flagged and froze XXXX of their accounts that was receiving direct deposit money from my personal checking account. I do not have an account at XXXX XXXX. Fraud had occurred and XXXX started to investigate. XXXX said it would take XXXX days to research and then they would get back to me. I have reached out to them at least XXXX  times with no resolution. XXXX XXXX has escalated it to higher levels but I have not received any additional information. The amount of money was approximately {$18000.00} that went into the XXXX account from my WSFS account. I spoke to XXXX XXXX at XXXX XXXX department who was helpful but she has not been able to have anyone else in the bank give me an update even after repeated e-mails. I told XXXX that if I did not hear from them by XX/XX/year> that I would have to reach out the cfpb to help me resolve the Fraud issue and get as much money back as possible.
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( 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. 


XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

ON XX/XX/XXXXXXXX  SENT OUT DISPUTE LETTERS TO DISPUTE SEVERAL ENTRIES ON MY CREDIT REPORT UNDER THE FAIR CREDIT REPORTING ACT ( FCRA ) THEN AGAIN ON XX/XX/XXXX WITH TRACKING NUMBERS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX. 
This letter directly incorporates the issues identified in the CFPB lawsuit and references your rights under the FCRA to demand compliance and corrections. 
I am writing to formally dispute inaccurate information that remains on my credit report despite previous disputes filed with your agency. The failure to correct or remove this information after my attempts to resolve it is in violation of your obligations under the Fair Credit Reporting Act ( FCRA ), as recently highlighted in the Consumer Financial Protection Bureau 's ( CFPB ) lawsuit against Equifax and XXXX.
Product: Credit reporting or other personal consumer reports

I previously sent a letter requesting a reinvestigation of the disputed accounts on my credit report, along with a request to update these accounts during the investigation period. Despite this, I have not received a response to my request as of today 's date. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I received a copy of my consumer report from Equifax and unauthorized items in my report. There has been blatant disregard of the FCRA laws.