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

I hope this letter finds you well. I am writing to bring to your attention a matter concerning unauthorized hard inquiries on my credit report. After reviewing my credit report, I discovered that there are inquiries that I did not authorize or provide consent for. 

Below are the details of the unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXXXXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I would like to emphasize that I did not apply for credit with the mentioned creditors on the specified dates. As such, I request that these unauthorized hard inquiries be promptly removed from my credit report to ensure the accuracy of the information. 

According to the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute inaccurate or unauthorized information on their credit reports. I am exercising this right in the hope of maintaining the integrity and accuracy of my credit history. 

To assist you in your investigation, I have enclosed copies of my credit report with the unauthorized inquiries highlighted. I kindly request that you investigate this matter promptly and inform me of the results. 

Enclosed documents : Copy of Credit Report with Highlighted Inquiries Please provide a written response within 30 days, as stipulated by the FCRA, to inform me of the actions taken to rectify this matter. If the investigation reveals that the inquiries were indeed unauthorized, I request written confirmation of their removal from my credit report. 

Thank you for your prompt attention to this matter. I appreciate your cooperation in resolving this issue in a timely manner.
Product: Money transfer, virtual currency, or money service

I'm writing to formally express my concerns regarding Zelles handling of disputes. Particularly in light of recent CFPD lawsuit highlighting significant issues with the platform. Despite using zelle numerous times and reporting discrepancies, my financial institutionand zelle failed to investigate my claims adequately. They informed me that receiving lost funds was impossible and that tracking these transactions was unfeasible. The CFPD '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. The lack of accountability and transparency is unacceptable and raises serious concerns for safety.
Product: Student loan

I am a single dad and im in over my head with bills. I have set up a XXXX dollar a month payment plan with Navient but thats not paying off the interest and my loan keeps growing. This dose n't seem right. I feel like Navient has found a way to make a profit out of me and in the mean time my loan continues to grow. I called them and asked them can they please somehow decrease my loan from increasing and they basically said to bad so sad. Please help
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX around XXXX I drove through a drive-Thru atm and deposited {$220.00} ( 1- {$100.00} and 6- {$20.00} bills ) When asked if I would like a receipt I said no and drove off and even left my debit card behind which the bank contacted me about a few days later. Once I got home I checked my balance and to my surprise my cash deposit was not posted to my account. Ive never had any issues making a cash deposit on the atm which is why I didnt bother with a receipt but clearly its not the case anymore. I contacted the bank right away and they opened up a case and concluded they will not crediting my account with MY MONEY I deposited. I spoke to XXXX a telephone banker at US Bank on XX/XX/XXXX at XXXX and she told me she can reopen the claim or reach out to another department via email to find out why the investigation was closed without a credit. Its now XX/XX/XXXXand Ive yet to hear from XXXX  or US Bank about the {$220.00} cash deposit I deposited at the ATM. Please any help would be much appreciated.
Product: Credit card

Money Network Financial , LLC refuses to refund me the fraudulent transactions perpetrated by criminals and reported to them along with filed Police Report on my debit Visa card.

Apeal after Apeal, and they say your pin has been used, therefore, we need more proof. What proof better than a legitimately filed Police Report?

How can I prove how the perpetrators used illegal means to access my card?

This is shameful!
Product: Credit card or prepaid card

I applied for and received a Citi XXXX XXXX XXXX credit card. I applied for an offer where if I spent {$3500.00} in the first 3 months I was to receive XXXX XXXX XXXX points. I called Citi before applying to confirm that I was eligible for the bonus since I had received the bonus in the past. They communicated by telephone to me that I was eligible for the bonus since I received it more than 2 years ago. I then applied for the card, received the card, and met the requirements for the bonus. Citi however never paid the bonus and states that I was not eligibe for the bonus since I had had an open card within 24 months. While that is true, I believe its a deceptive practice to ( 1 ) offer credit cards to persons whom the bank later determines are not eligible, and ( 2 ) to inform the applicant that they are eligible.
Product: Credit reporting or other personal consumer reports

I am filing this FTC Identity Theft Affidavit to report XXXX fraudulent accounts appearing on my consumer credit report ( XXXX ), which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of an auto loan opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX, a credit card account opened at XXXXXXXX XXXX XXXXXXXX on XX/XX/XXXX under the account number XXXX, another credit card account opened at XXXX XXXX XXXX  XXXX on XX/XX/XXXX under the account number XXXX, and a credit card account opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX. Also XXXX personal loans accounts opened at XXXX XXXXXXXX XXXX XXXX  on XX/XX/XXXX under the account number XXXX and another account opened at XXXX XXXX on XX/XX/XXXX under the account XXXX **** These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 

These accounts have resulted in several fraudulent chargeoffs, fraudulent late payments, and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, late payments, or chargeoffs as reported. The aforementioned accounts, collections, and chargeoffs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, late payments, and charge-offs are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the aforementioned fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : inquires not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I placed a Stop Payment on check number XXXX, for the amount of {$2500.00}, on XXXX XXXX, 2016. 
PNC Bank N/A confirmed the Stop Payment on the check, in account XXXX, both on XXXX XXXX, and today 's call. Check XXXX was, nonetheless, paid by PNC bank on XXXX XXXX, 2016. I called PNC to complain and get compensation. I was, at first, refused in my request to speak to the manager in charge. PNC is informed that my mortgage payment is due on XXXX XXXX, 2016, and due harm to me and my family will result due to its error. PNC has admitted its mistake. To date no satisfactory resolution has been completed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payment is inaccurate. Please investigate and verify that all data for this account is reporting accurately including every statement date and balance whether reported or not. I have sent letters every month From XX/XX/XXXX to XX/XX/XXXX trying to get this account corrected. 

XXXX Bank Account XXXX : XXXX I also respectfully request to be provided proof of this alleged item, specifically proof that these payments were in fact late. By the provisions of the consumer protection laws, I demand that if unable to do so or lacking proof of these payments being late, please update my payment history to PAANL status ( Paid as Agreed, Never Late ) and supply a corrected credit report to my creditors who have requested a copy of my credit report in the last 6 months. Im also requesting the description of the procedure used to determine the accuracy and incompleteness of the information, I have read that this must be provided within 15 days of the completion of your reinvestigation. I also read that under federal law, you have 30 days to complete your investigation. 

It is my understanding that you must validate these items with the reporting creditor for accuracy. Please remove any information that the creditor can not verify. I know this reject the complete within 30 days of receipt of this letter, or you must remove the incorrect information please send an updated copy of my credit report to the above address. Thank you for your prompt attention, time and help in this matter.
Product: Money transfer, virtual currency, or money service

Created account successfully, was never able to link my bank account. Coinbase systems unable to link to XXXX. Contacted support to ask why, and how long this would be an issue for ( on XX/XX/XXXX ). Never heard back from this, so eventually submitted a formal complain through the form on the coinbase site. That was on XX/XX/XXXX. Have not heard anything back from coinbase still. Also tried contacting their support account on XXXX via tweet and DM. No response.
Product: Credit reporting or other personal consumer reports

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 

XXXX XXXX XXXX, XXXX XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX
Product: Credit reporting

These inaccuracies are damaging my credit score which is causing me serious personal and financial hardship. 
I am, therefore, requesting that your agency assist me in this matter. 
For the past several months, I have been disputing several inaccuracies that are XXXX in my credit report I have written XXXX letters to the credit bureaus in which I requested these inaccuracies be removed. I Also send the my statement and the letter from the court telling that they are not reporting to the credit bureau and you also have both copy Unfortunately, the credit bureaus have refused to comply with my requests. The inaccuracies are as follows : Bureau : Equifax Account Name : JUDGEMENT Account Number : XXXX Bureau : Equifax Account Name : JUDGEMENT Account Number : XXXX Bureau : Equifax Account Name : JUDGEMENT Account Number : XXXX
Product: Student loan

I have been enrolled in the Federal Public Service Loan Forgiveness program ( PSLF ) since I started medical residency at a non-profit hospital system in XX/XX/XXXX, and have been making qualified payments towards the program monthly since that time. I last re-certified my employment with the non-profit hospital system in XX/XX/XXXX. Therefore I should have accumulated 47 months ( XX/XX/XXXX - XX/XX/XXXX ) towards the PSLF program. However, my federal loans servicer ( Fed Loans ) has only counted 39 months towards PSLF.
Product: Credit card

I have had a large credit card balance for over 13 years. I have been making the minimum payment on time for the entire 13 years. I had requested help many times from Chase to help me get the balance under control. They refused to help by lowering the interest rate. The balance has been about {$14000.00}. Recently I realized Chase was paying down the 16.25 % interest bearing balance and adding the pay down amount to the 19.25 % interest bearing balance. The accounting trick was allowing Chase to add about {$40.00} a month more in interest charges to the 19.25 % balance. So if I continued to make the minimum payment each month eventually the entire {$14000.00} balance would be charged at the 19.25 % interest rate instead of the 16.25 % rate. When Chase can borrow from the Federal Reserve at less than 1.00 % how can they be legally be doing this to me. If this accounting trick is legal then someone needs to change the law.
Product: Consumer Loan

Thank you for taking the time to review my file and to help me with this matter of dealing with Midland Credit Management. To date, XXXX has a poor track record in regards to its collection tactics which have resulted in fines from the United States Government and from individual states as well. As of this year XXXX has had to pay close to one million dollars in fines and penalties due to their unlawful business procedures which violate the consumer 's rights. Their illegal actions have caused thousands upon thousands of consumer 's credit files to be tainted with negative remarks which includes myself. Please remove Midland Credit Management from my file so that I can restore my credit and good name back to where it once was. I thank you one again for your time and I look forward to having Midland Credit Management removed from my credit file. 

I have made 2 payments to Midland Credit management in an attempt to settle my debt after negotiating a lesser amount. They told me that the payment plan was voided due to non-payment. I can provide documentation showing that the charges removed from my bank account. I was then told that I could re-negotiate for a larger amount the initially agreed upon. 

After I told them I could prove that the payments were made, they changed the excuse and told me that I made a call on XXXX/XXXX/2017 requesting to void my contract. I asked them to review the recorded call and they would not. I ask the account manager to go back and listen to the call, as I never requested to void my current agreement. 

The company is now claiming I must pay off the debt in full, and have re-opened the closed account as a line of credit in my name. 

After doing a deal of research I have found this company to have committed unlawful acts against hundreds of other US citizens. The company has violated the Telephone Consumer Protection Act ( TCPA ) by using an automatic telephone dialing system to place repeated debt collection calls to cell phones without prior consent. 

Thank you for your time
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX and again on the XXXX 2018 I called TransUnion Credit Reporting Agency to get XXXX inquiries off of my report that should not be there. They said I needed to talk to the fraud department who then also gave me the run around and said I should be talking to the people I first spoke with who transferred me to them in fraud department. This went on for 2 days. They said they did not know how they could help me. This action has cost me XXXX in business working capital that our business needs to operate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Update my personal information and delete the accounts violating the FCRA
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file.

XXXX XXXX XXXX
Product: Checking or savings account

I am XXXX XXXX, and on the XXXX Of XXXX I deposited my pension check into my account. On the XXXX Of XXXX I tried to withdraw fund but, the funds has not cleared. 

I called the bank and ask why, and their answer is that my pension is being held by The Federal Reserve 6-10 days. I ask why would The Federal Reserve hold my account funds, and I was told due to a lack of funds. This has caused problems for me due to payment obligations.

I have never heard of such. Can you help me? XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that 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 qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621. 

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

In addition, it has also been discovered that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So, these accounts do not belong to me. 
STUDENT LOAN CREDITORS : XXXX ACCOUNT NUMBER : XXXX ACCOUNT NUMBER : XXXX ACCOUNT NUMBER : XXXX Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX
Product: Debt collection

XXXX XXXX repeatedly calls me and my family members from a blocked number from XXXX on. This company has disclosed my debt to a family member and told them that I need to get a lawyer or else. Ive contacted XXXX XXXX and told them that I was not working for months at a time due to XXXX XXXX and needed to make arrangements.They called me blocked I told the agent that they are allowed to call blocked and he told me they can do as they please with an attitude. There is no reason why they should be calling blocked, harassing my family And, disclosing my debt with them.
Product: Credit card

The Target Store credit card provides 5 % discount at point of sale, so if I bought something for {$100.00}, I would be charged {$95.00} only. If I returned the item to Target, they would refund me back {$95.00} only as that is all I paid. 
However, if you look at the attached receipts and calculate, you 'll notice a lower refund amount in each if you calculate the 5 % difference. So, in the case of the first receipt on the left, the amount of item was {$4.00}, the refund back to me should have been around {$4.00} cents. Instead, Target kept back XXXX cents and returned me {$4.00} only. 
This small STEALING is inappropriate and I tried for a long time by emailing or speaking with Target to no avail. This is not just deceptive and abusive, it is literally STEALING. I am a regular customer at Target and do n't know how long this issue has been going on, as also with other customers. I should just file a class action against Target and TD Bank USA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unable to download or access my annual credit report from XXXX and XXXX. for federal law enforcement investigation into mill fraud also identity theft. XX/XX/2023 there's a different issue with XXXX. i've also consistently tried to upload the pertinent information to make a just determination and this matter to be to my astonishment what was uploaded was nothing even though it shows File was uploaded.