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

I am listing 5 fraudulent Inquiries from my XXXX and XXXX credit Report. XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX the listed inquiries do not belong to me and must be removed from my XXXX  and equifax credit report. i had a call with all companies and credit reporting agency and was adviced to fill identity theft for deletion i am requesting XXXX  and equifax to mark listed inquiries as fraudulent and remove them from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi i have sent to experian via certified mail XXXX/XXXX/XXXX and also the dispute process on line including this attachment from XXXX XXXX  XXXX. XXXX XXXX XXXX sent me a letter stating that they would move XXXX inquiries from my account ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX experian has only removed the one from XXXX XXXX XXXX .. it has been more than the 30 to 60 days specified from XXXX XXXX XXXX and i have also contacted XXXX XXXX XXXX and they told me they have submitted the info to experian and it is their fault if they did not remove it and I must go through them. So i repeated my mail and dispute online a second time to them just but i do not think they are going to do anything since they have not the first time. the inquiry is inaccurate and needs to be removed but they will not remove it even though i have attached the letter from XXXX XXXX XXXX and XXXX XXXX XXXX also contacted them. so please let me know if you can help. The phone number experian supplies only gives u info on how to submit online or by mail they do not speak to you directly so it is very difficult to get help.
Product: Debt collection

This debt collection company is attempting to collect on a XXXX year old debt on behalf of the XXXX. XXXX years ago in XX/XX/1987, the XXXX cleaned and sealed a vacant property. I did not owe this property in XX/XX/1987, I was XXXX years old. I verified with the city that this happened XXXX years ago. Why is the city attempting to collect on a XXXX year old debt?
Product: Mortgage

Loan # XXXX I applied for a loan modification on XX/XX/XXXX and sent all docs in. My servicer advised per their web portal that i was missing A document so I sent the document and they received it. As of today those documents are still pending for review 20 days latter. I received a complete acknowledgement letter date XX/XX/XXXX. I spoke with a escalation rep on a number of occasion and on XX/XX/XXXX he said I needed another check stub I sent it the same day and by the way they never sent me a letter requesting documents on XX/XX/XXXX that was just what he asked for. As of today my documents that were sent on XX/XX/XXXX have not been review. I asked for a manager and he said there was no one higher than him. Again I have the complete acknowledgement letter that stated my application was deemed complete on XX/XX/XXXX so they have until XX/XX/XXXX to be finished but they have not even looked at docs yet I will screenshot the portal page and attach the complete acknowledgement letter.
Product: Credit reporting or other personal consumer reports

XXXX is reporting two accounts under XXXX XXXX that have been removed from my XXXX report due to inaccuracy. Despite their removal elsewhere i have shown proof, XXXX refuses to delete these accounts. This situation appears to breach the Fair Credit Reporting Act ( FCRA ), specifically violating FCRA Section 611. I am seeking prompt resolution in accordance with this code.
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX account # XXXX Was reported as a charge off, but is still reporting late payments. 
This is a violation of my credit reporting rights Iv ask for investigation on this matter more than twice and its still reporting on my credit
Product: Consumer Loan

I have fallen into a vicious cycle where I am unable to pay my debt and so it just keeps growing, and I now owe more than I take in each month. I called SoFi, a company with whom I attempted to consolidate my debt at one point to discus my options -- the original loan was not large enough to consolidate all my debt and I was unable to manage both sets of payments -- and they completely dismissed me. They said there is nothing that they can or will do. My payments are due when they are due and they will continue reporting my failure to pay to the credit reporting agencies. I have reached out over phone and email and expressed me desire to work out a plan in good faith, but they refuse to cooperate. How can one make any headway against such intractable and heartless disregard for the reality of my financial situation??
Product: Credit card or prepaid card

My card has an available balance on it. It is not over limit.   On   XXXX   at  XXXX  I tried to use the card to pay for membership dues and it was declined. I called the credit card company barclays and after being transferred twice finally got someone who understood and spoke clearly. I was told they are having technical difficulties and to try again in a few hours.   On   XXXX   at  XXXX  I again tried to use my card. It was declined.   I called on   XXXX   and again told them my card keeps declining. They told me it would again be resolved in a few hours, and to try the card again in a few hours.   I tried to use the card at   XXXX   and it was declined again.   I called the credit card company and I am now being told they have no time frame for when this issue will be resolved.   I pay a lot in finance charges and annual fees to this company but when I need to use the card, they have " technical difficulties ''.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX ACCOUNT XXXX XXXX has violated my rights.

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
Product: Debt collection

I requested that National Credit Systems , Inc validate a debt that they previously tried to collect on XX/XX/2021. 

I received a notice from National Credit Systems dated XX/XX/2021 stating that they did not have enough information to validate my claim. 

I asked for : -Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest and penalties -Contract bearing my personal signature -Proof that the Statue of Limitations has not expired on this account -Your license numbers and Registered Agent or Agent of Service -Proof that you are licensed to collect in my state They sent me none of this information which means they have failed to validate a debt. None of the documents they sent have my signature. I will upload a copy of the forms they sent me.

Further more the signature on one of the documents seems to be forged as the signature date does not match the date of the original creditor dated signature. That means that National Credit Systems , Inc is
also furnishing certain deceptive forms, which is against the law according to Fair Debt Collection Practices Act 15 USC 1692k Sec 812 ( a ).
Product: Debt collection

Creedence Resource Management keeps calling everyday sometimes 2 times a day to collect a debt for XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I am a victim of the XXXX breach, hacking and identity theft. NETCREDIT has given funds to someone who isn't me. I did not even have a job for well over a year before they claim to qualify me for payday loan. Some sort of job is required to get a payday loan their website states.. I was Recovering from a XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and many more injuries... still am. 

I would have no paystub or paychecks to show them in XX/XX/2023. My car accident was that bad i'm still recovering. What ever they got was from the hacker ( S ) stealer ( s ) was a lie.
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was leaked in security breach and I have to be a victim of identity thief.
Product: Credit reporting, credit repair services, or other personal consumer reports

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER XXXX U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, Inaccurate and questionable items that your agency did not make sure it was reporting 100 % correct. In accordance with the Fair Credit Reporting Act, everything must be 100 % accurate on my credit report and under 15 U.S Code 1681e ( b ) and 15 U.S Code1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. The credit reporting agencies stated that these accounts were properly investigated and came back verified. However, how is this true when there are several inaccuracies showing on my report? As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S 1681i ( 7 ) Method of verification-Description of reinvestigation procedure.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have informed Trans Union on several occasions ( at least 5 times ) and the other major bureaus that they have the wrong information with regards to my name, address and telephone number.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked and puzzled that when I reviewed my credit report today and found late payment on XX/XX/XXXX for 30 days. How? I am not sure how this happened, and I believe this is an internal error with XXXX and Credit reporting agencies. First of all, I'm not liable for this mortgage loan account because that was for my ex-husband and I haven't paid on that account for like 3-4 years. That account belongs to my ex-husband XXXX XXXX. And actually he refinanced the loan on XX/XX/XXXX and paid off the entire loan and my name was legally removed. Please delete this immediately from my credit report.
Product: Credit reporting or other personal consumer reports

I've tried to apply to a bank and was told that XXXX has a security freeze on my account. When i contacted XXXX they told me that there isn't a security freeze on my account and couldn't disclose why i was told there's a credit freeze. I tried to apply to a second credit union, who told me the same thing, that XXXX has placed a security freeze on my account. 

I want the security freeze permanently removed from my credit report and file at XXXX and LexisNexus
Product: Credit reporting or other personal consumer reports

Zelle are trademarks of Early Warning Services , LLC for which I'm complaining about both companies to the Consumer Protection agency, the State Attorneys, the FTC, and every governmental institution out there can read my case/complaint. 

As part of account opening and services provided to the client, a Credit Union/Bank offer customers, Zelle services . These Service come within the agreement to be gargantee for the customer as part of the transfer money services and free of charge. On my most recent account opening experience and enrollment in Zelle I've noticed the company ( Zelle ) had flagged my emails ( Use within Zelle ) preventing me from even using Zelle or even changing them so I can enjoy my account services to its fullest. It was brought to my attention my account was not getting unrestricted despite severals attempts from my Bank to request the removal of the restriction to Zelle services. My Bank had told me Zelle is not un-restricting my account due to Fraud being reported on previous account ( that used those emails ) which rises so many questions. 

What does fraud report for specific transactions ( not involving Zelle ) has to do with my ability to use Zelle on a new Bank account? 

Why is Zelle acting as a Bank when the actual Bank is requesting the un-restricting status to my emails? 

Why is Zelle ( a paid service by the Bank ) restricting customers to use it Services when they getting paid by the Bank as a XXXX party and their services are free for the customer? 

All in all, my meals address XXXX XXXX are restricted because Zelle decided to use filters that reads consumer reports from Early Warning to weather or not decide the transaction goes through or not, a direct violation the the Bank policy, acting as a sole Bank and restricting services. 

All this information was provided by my Bank and they claiming Zelle for not allowing me to use its services within my Credit Union account DESPITE THE FACT I have Zelle in XXXX other Bank accounts I won't be disclosing here.
Product: Credit reporting or other personal consumer reports

This is my numerous endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$93.00} XXXX  XXXX Balance Owed : {$370.00} XXXX XXXX XXXX Balance Owed : {$550.00} XXXX XXXX  XXXX Balance Owed : {$1300.00} XXXX XXXX Balance Owed : {$1300.00} XXXX XXXX XXXX  XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX XXXX Balance Owed : {$3300.00} XXXX XXXX XXXX Balance Owed : {$110.00} XXXX XXXX XXXX Balance Owed : {$50.00} XXXX XXXX Balance Owed : {$890.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$1700.00} XXXX XXXX  XXXX Balance Owed : {$710.00} XXXX XXXX Balance Owed : {$0.00} 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

my XXXX  Many years ago used my personal information without my permission and used for bad porpoise I never authorized that she apply for a credit card and used
Product: Student loan

Misapplication of Loan Payments and Non-Responsive Customer Service To Whom It May Concern : I am writing to file a formal complaint against Sloan Servicing for the mishandling and misapplication of my student loan payments, which I believe constitutes unethical and potentially illegal practices in violation of federal consumer protection laws. 

Summary of Complaint : Misapplication of Payments : Up until XX/XX/XXXX, Sloan Servicing properly applied my monthly payments to both principal and interest. 

Beginning in XX/XX/XXXX, Sloan Servicing stopped applying any portion of my {$560.00} monthly payments to the principal. Instead, 100 % of each payment was applied solely to interest. This continued through XX/XX/XXXX. 

This misapplication persisted despite my consistent, on-time payments. For example : XX/XX/XXXX : {$560.00} {$490.00} applied to principal, {$61.00} to interest. 

XX/XX/XXXX XX/XX/XXXX : {$560.00} payments {$0.00} to principal, {$560.00} entirely to interest. 

Lack of Resolution and Follow-Up : I have contacted Sloan Servicing multiple times regarding this issue. Each time, customer service assured me that the matter would be escalated to a XXXX. Despite these assurances, I never received any follow-up communication or resolution. 

History of Timely Payments : I have never missed or been late on any payment. My payment history reflects consistent, timely payments through auto-debit, emphasizing the seriousness of this misapplication issue. 

Prior Large Principal Payment : On XX/XX/XXXX, I made a {$10000.00} payment, with {$10000.00} explicitly applied to principal. This significant payment was made with the clear intent to reduce my loan balance. The current misapplication undermines this effort and suggests a pattern of negligence or intentional misconduct. 

Potential Violations : XXXX XXXX actions XXXX violate federal laws governing fair loan servicing, including the Truth in Lending Act ( TILA ) and Fair Debt Collection Practices Act ( FDCPA ). 

Their failure to apply payments correctly and refusal to address my concerns demonstrates a lack of transparency and accountability. 

Requested Resolution : Immediate Correction : Apply all misapplied payments since XX/XX/XXXX to the loan principal as originally intended. 

Formal Explanation : Provide a detailed explanation for why my payments were misapplied and why no follow-up occurred after repeated inquiries. 

Preventive Measures : Implement corrective measures to prevent this issue from recurring. 

I am submitting this complaint in the hope that the CFPB will investigate Sloan Servicings practices and hold them accountable for these potential violations.
Product: Credit reporting or other personal consumer reports

Here is the list of fraudulent inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently files a dispute with TransUnion regarding an unverifiable and inaccurate account on my credit report, which I believe is in violation of the Fair Credit Reporting Act ( FCRA ). The report number XXXX ( please see attached pdf copy ). This is my second time trying to address this unverifiable account with TransUnion, unsuccessfully. 
The account listed for company XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX. 

According to the FCRA, 15 USC 1681 et seq, I am entitles for a fair and accurate credit report, specifically section 1681e ( b ) of the FCRA requires that credit reporting agencies must use reasonable procedures to ensure the accuracy of information contained in my credit report. I furthermore request that these procedures have been provided to me in writing upon the completion of this investigation. 

I account listed for XXXX is inaccurate. The information listed on my credit report does not belong to me and have not made any such debt obligations. 

I kindly request that you conduct an investigation of the disputed information and DELETE inaccurate listing as soon as possible. If the accuracy of this account can not be verified, it must be deleted from my credit report in accordance with section 1681i of the FCRA.

Thank you for your prompt attention to this matter. I look forwatrd to a resolution that is favorable for both of us.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States have the ight to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose,
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, at XXXX, I received a text from Wells Fargo Bank Fraud Dept asking if I had made a XXXX transfer for {$1000.00} to XXXX XXXX. I replied no. The message said a customer service representative would contact me soon. Shortly thereafter, I received a call from the Wells Fargo number on the back of my debit card. 
The person told me that money was scheduled to be transferred from my account to XXXX XXXX and I needed to go into XXXX to put the money back into my account. I questioned this but since I had never used XXXX and was somewhat panicked, I went into XXXX and proceeded to enter my phone number as directed. A scam notification came up and the caller said he had just put that on the page to stop any scams. 
He said we would do {$500.00} first and then we would do the other {$500.00}. When I hesitated, he told me to check the number on the back of my card. Thinking this was someone from Wells Fargo, I entered the amount. 
At this time, I asked if he could hold for a moment. I called my husband, who is a retired Wells Fargo employee, on my landline and just as I started to talk, the caller hung up from my cell phone. My husband came in and we immediately called the Wells Fargo number to report the scam. 
We were told that it would take 10 days to be resolved. 
Ive called several times only to be told after 10 days that the recipient institution had been contacted asking for a refund. On XX/XX/XXXX, I was told the claim had been denied and closed but could be sent to an escalation process. A customer service representative asked if I wanted to talk to someone in the executive office. I held for over an hour only to find out that the office had closed for the day. The following day, I spoke to someone in the executive office who asked me what did the original claim rep tell me about the provisional credit. I told him I wasnt offered it and he said he had no authority to give me a provisional credit or refund my money and that I should be receiving a letter in the mail. I have spoken to so many different people and all have transferred to someone else that I had to explain over and over what took place.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had a fraud protection alert with Equifax for the past ~8 years, paid for by the province of XXXX due to an OSAP information leak. In early XX/XX/XXXX, I applied for a cell phone with XXXX XXXX and they were unable to access my credit file. I have called equifax and they initially said XXXX could not access the file - I would have to purchase a credit report and send it to them. After an hour of arguing, they agreed that XXXX could see the report if they provided my basic information ( name, DOB, address, etc. ). XXXX has tried twice more and can not access my file.

Ive now requested the fraud alert to be removed from my file, a process involving writing a letter, photocopys of identification, and faxing to equifax. Theyve now responded that my address was illegible, however the letter was written in XXXX XXXX so that can not be true. They also claim I didnt include copies of identification, which I have and can prove.

It seems equifax is trying to 1. Continue charging the province for fraud monitoring that I no longer want ; 2. Charge me to access my credit file every time I need a creditor to see it.

I have called to rectify multiple times and not once was I allowed to speak with a second line representative ( manager of some kind ).

Thank you for your help with this matter. XXXX XXXX