23daVinci/CFPB_Complaints huggingface dataset:
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. 

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 XXXXXXXX XXXX XXXX ACCOUNT NUMBER : XXXX
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 main email XXXX XXXX
Product: Debt collection

On XX/XX/XXXX, and again on XX/XX/XXXX, I requested validation from this debt collector. All I have been receiving is bills, but nothing with some type of contractual proof that this debt is mine or that they have the legal right to attempt collection from me.
Product: Credit card

I am writing to address concerning banking and accounting practices with Elan Financial Services that services the XXXX XXXX  XXXX XXXX. I have continuously requested information from both of these institutions in order to gain clarity on the two credit cards I have with them and have yet to understand the structure of their accounting or consumer access to accurate data. 

I have a business bank account with XXXX XXXX  ( formerly XXXX XXXX  ) I have a debit card attached to that account ending in XXXX. This account has been open since XXXX. 

In the XX/XX/XXXX I received 2 credit card offers from Elan Financial Services for credit cards through XXXX XXXX. One of these offers offered a 0 % interest rate on balance transfers through XX/XX/XXXX. The other offer was for a basic credit card. I submitted applications for both offers, was approved and transferred a balance on the 0 % interest offer. 

In the 3 months after opening these cards I received statements that would have different account numbers on them, this led to my payments being returned and not applied to the balance of my cards. I was charged late fees, and this reversed the 0 % offer. I never received the physical card on the 0 % interest rate card but it is an open and operating account. See below for an example of the last four digits on account # s appearing on statements. 

XX/XX/XXXX # XXXX XX/XX/XXXX # XXXX XX/XX/XXXX # XXXX XX/XX/XXXX # XXXX After inquiring on this several times I was informed that an Accounts payable was set up and that was the account ending in # XXXX and that it was separate from the credit cards. To further confuse the matter I was declined by a merchant with a purchase on my credit card ending in # XXXX due to being over the credit limit but when I called the XXXX account access number on the back of the credit card it stated that my balance was XXXX and my credit limit was entirely available. 

Additionally, after Covid mandated that my business close I requested from XXXX XXXX  that the billing address for my accounts be changed to my home address to ensure that I would receive bills on time. They stated that they could not do that so my bills were being delivered to a commercial space on an irregular and often times not at all basis. They have just changed this policy and as of XX/XX/XXXXXXXX  I am receiving my billing in a timely fashion. 

I am requesting a full accounting from the day these cards were open on all late fees and interest charges. I am also requesting full disclosure on any accounts other than the credit cards I applied for that bear my name with Elan Financial Services. 

At the very least Elan Financial Services is operating a bait and switch on consumers with their 0 % offer but the more troublesome aspect is the deliberate manipulation of accounts and account numbers that confuse and mislead consumers as to what their actual relationship with this bank is and how it impacts their credit. 

I look forward to a speedy reply and an investigation on these practices Sincerely yours, XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX United States ( XXXX ) XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

MY PERSONAL INFORMATON WAS OBTAINED BY IDENTITY THIEVES AND USED TO FILE FOR A XXXX  THIS OCCURRED DURING XXXX OF 2015. I HAVE NO KNOWLEDGE OF SUCH FILED XXXX AND ALSO DO NOT KNOW WHO COULD HAVE DONE THIS. THE CREDIT REPORTING AGENCY IS NOT ASSISTING ME IN THE REMOVAL OF THIS FRAUDULENT FILED XXXX AFTER CONTINUOUS DISPUTES AND IDENTITY THEFT REPORTS. PLEASE ASSIST ME IN REMOVING THIS FRAUDULENT INFORMATION FROM MY CREDIT FILE BY FORWARDING THIS COMPLAINT TO THE CREDIT REPORTING AGENCIES.
Product: Debt collection

They reported a debt on my credit report to XXXX  and possibly other credit bureaus. They never contacted me by mail or phone relating the debt. It was never validated, yet they reported it on my credit illegally.
Product: Payday loan, title loan, personal loan, or advance loan

XX/XX/year> I contacted the original creditor requesting for a 1099-C because the debt had been charged off and the original creditor stated they had to get the documents together and get it over to me but never responded back with the documents. Then, the debt was sold to a debt collector without my knowledge and placed on my credit report.
Product: Student loan

Navient allows the payee to make payments online, but does not offer the option to complete a payoff online. I phoned in and asked the customer service agent if I could pay off one of the loans through them and she said yes. She processed my payment and told me that the loan was paid off. I received a confirmation number and email reflecting that payment. When I went back online to see if my account updated to reflect the pay off. This was not the case, the monies had been spread over all my loans. If the agent does n't have the authority to take a payoff they should not tell the payee this and take the payment online.
I have put in a request to Navient to either put my payment toward the loan that I requested to pay off or refund my monies. I should n't have to ask this. The option should be available already. Every effort should be made to help/allow the student to payoff these loans.
Navient has predatory loan management practices. The site is setup to discourage payoff by requiring mail in of pay off and choosing to only allow the student the option to make a payment ahead and the loan continues to accrue interest. Navient or any other loan servicing agent should NOT be allowed to offer consolidation that requires a student to have to allow them to apply 10 years of interest on the entire loan just to have one loan. This is worse than the housing crisis.
If you have to mail in a payoff, the payee continues to accrue interest on that loan awaiting the payment to be received. The payee should be able to make payoffs online in real time. Why is Navient allowed to not offer payoff online?
Why is the customer service number not located on the front page? why does the payee have to search for a contact number?
Product: Credit card or prepaid card

I have attempted several times to set up auto pay for this Amazon / Synchrony Bank store credit card. I was not successful apparently and the XX/XX/2020 payment was not automatically taken out of my bank account. I received no notice from Amazon/ Synchrony Bank and only became aware of the missed payment while checking my credit score on XXXX XXXX. I have made multiple disputes to the creditor and credit bureaus. Amazon/ Synchrony Bank refuses to remove the negative remark from my credit report despite having on time payments prior. Since the dispute I have paid the account in full. I want this mark removed as the payment error was through no fault of my own but rather an error on their auto pay feature. Thank you.
Product: Debt collection

In early XX/XX/2023, I requested the following materials from Midland Credit Management : 1. A copy of the original purchase agreement which shows you legally own this debt by the original creditor. Not a letter stating you own the debt ; the actual agreement. 
2. Copies of ALL statements from open to close of this account. 
3. I want to see proof you are a legal debt collector in the state of New Jersey. A copy of your bond which shows you are legally registered in New Jersey. Anyone can state they are able to collect a debt in New Jersey. 

I did not receive the requested documentation. They sent me one statement.
Product: Money transfer, virtual currency, or money service

On XX/XX/2020 I responded to an ad for an apartment in XXXX listed by a XXXX XXXX who claimed to be the owner. I requested references of previous tenants he had hosted and he gave me 2 tenants info. I contacted them both via phone and email and got good reviews about the apartment. Once I had confidence in the listing I used XXXX to pay for the apartment for the month of XXXX. I used XXXX in my chase account to give Mr. XXXX XXXX {$1300.00}. I will attach emails with information he provided me and a rental receipt he gave me. When I arrived to XXXX to collect my keys XXXX XXXX had disconnected his phone and stopped responding to emails. The listing ended up being a scam. I contacted the police, XXXX & chase on XX/XX/XXXX. XXXX and chase both told me I was not Protected and could not get my money back. I am absolutes gutted and hoping to get some sort of funds back as I used much of my savings to secure this rental. I will attach all proof of scam.
Product: Credit reporting or other personal consumer reports

I DO NOT RECOGNIZE ANY OF THESE HARD INQUIRIES OR ACCOUNTS : HARD INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXXXXXX {$460.00XXXX XXXX XXXX XXXXXXXX {$280.00} XXXX XXXX  XXXX {$640.00}
Product: Debt collection

I am trying to get my home refinanced and on my credit report it showed i owed XXXX XXXX almost {$900.00} from XXXX of XXXX. I called XXXX directly and they stated they did not have an account under my name and could not find anything with the last of my social or birthday. They said they could not help me but to go to a XXXXXXXX store XXXX I went to the one in XXXX, they stated they were a 3rd party XXXX  store and could not help me I would have to go to XXXX Tx or XXXX NM . to file fraud paperwork. They then stated to call the people who had me with the negative report on my credit. I called them Credence Management ( they are debt collectors ) I spoke to a man and i could not understand him very well as he had a thick accent, he then transferred me to his supervisor XXXX which also had a very thick accent and was quite upset over the bill not being paid. He finally gave me the account number that he was wanting payment on and the account number is XXXX of a XXXX account that was from XXXX not XXXX of XXXX. Credence Management number is XXXX XXXX XXXX it is a New Mexico number but i think the company is based out of the United states.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX INQUIRY : XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and XXXX XXXX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit card

On XX/XX/XXXX, XXXX charged my charge card XXXX for a product I did not order. Upon seeing this charge on my card, I immediately called to contest the charge. XXXX issued a provisional credit the next day. ( XXXX XXXX, XXXX ). Between then and the beginning of XXXX XXXX XXXX would send me notices that the case was still being investigated. In the meantime, I had XXXX other cases of being charged for products or services that I did not order from XXXX different vendors. XXXX from " XXXX XXXX '' for a subscription to their service that I never ordered. The second one was from a company that I purchased a product from and then they tried to add a monthly subscription to their magazine that I did not order. After reporting this to XXXX, I contacted both of these vendors and they reversed their charges and refunded the money to my card. When I was receiving the notices from XXXX that they were still investigating a report I filed they did not specify the specific case. After receiving several notices I called XXXX and asked if the investigation was related to my complaint against " XXXX XXXX '' or " XXXX XXXX XXXX ''. The girl said yes, she thought it was concerning one of those but gave no specifics. I informed her that both of these cases were settled. She said fine. Shortly after that call I saw that the {$100.00} provisional refund from XXXX was reversed. I called and explained that the error was because the girl I talked to at Visa apparently didn't understand that I settled the XXXX disputes with " XXXX XXXX '' and " XXXX XXXX XXXXXXXX '' and had nothing to do with the XXXX charge. I asked them to immediately take the XXXX off my charge account. They said they would investigate it and get back to me. That didn't happen. So far I have made more than XXXX calls to XXXX to complain and all I get is " it is being investigated ''. They even stated in XXXX of the calls that XXXX was not fighting the charge. Last Thursday XX/XX/XXXX an employee for XXXX, told me that a supervisor in that division ( fraud ) would contact me in XXXX working days. That was a lie. I contacted them AGAIN, today XX/XX/XXXX and asked why I was not contacted. They said it could take a week. Now my patience is about gone. I need someone to rectify this as soon as possible. This has dragged out since XXXX and I'm about at the end of my rope. Thank you for your time. XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is reporting inaccuracies on my credit report. They are reporting a bankruptcy that IS NOT MINES! I have sent TransUnion SEVERAL dispute request as well as filed phone disputes. I have been lied to on several occasions stating that an investigation to VALIDATE the bankruptcy has been done, but NO documentation has been provided to me where TransUnion has received validation Of debt and verified the said debt with the courts. Ive provided documentation from the bankruptcy court as well as XXXX who they utilize as a data furnisher proving that it is not mine it has since been removed from there records and they are refusing to remove it. I spoke with a supervisor today who informed me that they will not remove it even after providing the appropriate documentation from THEIR DATA FURNISHER investigation deleting the record as well as documentation received from the courts. The documentation from the courts was sent in a dispute via certified mail. I was also informed on the same call that they DO NOT Request validation of debt documentation from the court which is an outrage. So I was basically told that the debt can not be validated but they will still report it!
Product: Credit card

On XX/XX/XXXX I paid Citi Bank the remaining balance that was on my account, {$2100.00}. On XX/XX/XXXX after I made this payment, Citi Bank notified me, via email, that I owe {$30.00} for " Residual Interest '' from the year XXXX. However, I was never made aware of such a charge on any of my prior billing statements. Using this devious ploy, it is my belief that Citi Bank deliberately jeopardized my account with the added charge in order to not give me full credit for paying the loan back in full. And as of XX/XX/XXXX Citi Bank has still not notified me that the loan has been paid in full. It also should be noted that Citi Bank totally disregarded all my accomplishments of reducing my account balance from {$10000.00} in XX/XX/XXXX to having a XXXX balance in XX/XX/XXXX, in just 6 months! And even though I had stopped using the card in XX/XX/XXXX, almost 2 years ago, that accomplishment was also not recognized but instead Citi Bank chose to continue to give the illusion to the credit bureaus that my card was still being used. I have XXXX pages of documents from Citi Bank to support my complaint with them.
Product: Checking or savings account

My Rockland Trust debit card was stolen from me and was used three times without my authorization. I discovered my card was missing on Sunday the XXXX because of a text message asking for verification for a suspicious charge. I immediately contacted my bank about the theft and they were able to freeze my account, but since it was late, there wasn't anything more they could do that same night except refer me to a bank location for the next morning to discuss my issue with a bank representative further. The representative was able to offer me a new card on the spot, which I accepted. I was told the investigation process into the unauthorized charges could take a few days, so I had no other choice but to leave. Today, I received news that the bank would be unable to return to me the money that was stolen while my card was in the thief 's possession. I was unsure of what my next move could be until I was directed to this website by a friend of mine.

The total money stolen was {$96.00}. This may not seem like a lot but I'm currently unemployed and XXXX is right around the corner, so every penny counts.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX  XXXX XXXX
Product: Money transfer, virtual currency, or money service

My complaint against COINBASE crypto currency exchange : I did 5 selling orders but it stuck in their system the transaction didn't go through ( frozen ) it started on XX/XX/2021 I submitted support ticket # XXXX and sent official complaint to the company I didn't get any help but empty promises. More than tow months of waiting I lost many opportunity to trade and benefit from market movement. In this new space the company promote itself as ( fair, transparent, efficient and trusted platform ) and that what bring me to them but they neither held themselves to that standard by building functional platform nor they put in efforts to meet their obligations towards investors - that put their trust in them -by hiring enough support staff to meet the demands. 

My selling orders : 1- XX/XX/2021 XXXX XXXX 2- XX/XX/2021 XXXX XXXX 3- XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX
Product: Debt collection

National Recovery Agent Collection Date XX/XX/2020 Attempting to collect a debt without validation