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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, IA XXXX **Subject : Unauthorized Credit Inquiries and Inaccurate Reporting on My Credit Report** Dear CFPB, I am writing to formally file a complaint regarding unauthorized credit inquiries and inaccurate reporting on my credit report. I have discovered multiple inquiries under my name and credit profile that I did not authorize. I request that these inquiries be removed immediately under Florida 's credit consumer protection laws. The following unauthorized inquiries have appeared on my credit report : XXXX. XXXX XXXX XXXX Date : XXXX XXXX, XXXX ( Finance/Personal ) XXXX. XXXX Inquiry Date : XXXX XXXX, XXXX ( Finance/Personal ) XXXX. XXXX Inquiry Date : XXXX XXXX, XXXX ( Banks ) XXXX. XXXX XXXX Date : XXXX XXXX, XXXX ( Finance/Personal ) XXXX. XXXX XXXX  XXXX Inquiry Date : XXXX XXXX, XXXX ( Automotive ) XXXX. XXXX XXXX XXXX Inquiry Date : XXXX XXXX, XXXX ( Automotive ) XXXX. XXXX Inquiry Date : XXXX XXXX, XXXX ( Finance/Personal ) XXXX. XXXX XXXX Date : XXXX XXXX, XXXX ( Finance/Personal ) XXXX. XXXX XXXX Inquiry Date : XXXX XXXX, XXXX ( Automotive ) XXXX. XXXX XXXX Inquiry Date : XXXX XXXX, XXXX ( Automotive ) XXXX. XXXX XXXX Inquiry Date : XXXX. XXXX, XXXX ( Banks ) XXXX. XXXX Inquiry Date : XXXX XXXX, XXXX ( Banks ) XXXX. XXXX XXXX XXXX Date : XXXX XXXX, XXXX ( Banks ) XXXX. XXXX XXXX XXXX Inquiry Date : XXXX XXXX, XXXX ( Automotive ) XXXX. XXXX Inquiry Date : XXXX XXXX, XXXX ( Finance/Personal ) XXXX. XXXX XXXX XXXX Inquiry Date : XXXX XXXX, XXXX ( Automotive ) XXXX. XXXX XXXX Inquiry Date : XXXX XXXX, XXXX ( Miscellaneous ) XXXX. XXXX XXXX Inquiry Date : XXXX XXXX, XXXX ( Miscellaneous ) XXXX. XXXX Inquiry Date : XXXX. XXXX, XXXX ( Finance/Personal ) XXXX. XXXX Inquiry Date : XXXX. XXXX, XXXX I did not authorize any of these credit inquiries, and they are negatively impacting my credit score. I am requesting that they be removed from my credit report immediately.

Additionally, there is a false eviction entry on my credit report from XXXX XXXX XXXX XXXX reported on **XXXX. XXXX, XXXX, for a balance of ** $ XXXX. This XXXX  is **not accurate**, and despite my attempts to dispute it, the reporting agencies continue to list it as a live balance, which is **false**. As a result of this wrongful reporting, I have faced homelessness. If this issue is not rectified promptly, I will pursue legal action against the responsible parties. 

I am requesting that CFPB investigate these unauthorized inquiries and the inaccurate eviction report immediately. Please confirm receipt of this complaint and provide me with an update on the investigation status. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

ENHANCED RECOVERY COMPAN Reported : XX/XX/2020  {$660.00} I challenge the accuracy, compliance and reportability of these listings. 
There is no valid claim, no contracts exist ... accounts were settled with creditors and has been confirmed.I have never been late either. I am quite appalled and indignant. ( Debts can not be collected twice ). 

Grave errorsfalse claims and reportingsI want these accounts removed immediately or litigation may follow As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised this is against F.C.R.A. law and is a violation of my rights.. 

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently got out of an XXXX  relationship after living in a XXXX XXXX XXXX XXXX for quite some time. In hopes of restarting a new chapter for myself and my kids, I started reviewing my credit report about 4 months ago, in anticipation of making a home purchase. However I noticed negative, inaccurate and derogatory reporting by the credit bureau. I contacted them in writing and on the phone to ask that my information be corrected and completed. The company responded by jumbling up my information - reporting misspelled versions of my name and publishing addresses which I have no association. I attempted to contact them several other times in order to get the information corrected however, their response would always be the same. I checked my credit report as recently as today with the same incorrect information being reported. My information is of a sensitive nature and should not be shared with my abuser. 

At this point, I am seeking intervention to stop the credit bureau from violating the law. Please let me know how I should proceed. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting that account XXXX XXXX # XXXX is a debt buyer account date opened XX/XX/XXXX XXXX has this same account open 3. TransUnion also has this account with a open status date opened with TransUnion is XX/XX/XXXX,,,, 15 USC 1681a2 responsibilities of the furnisher of information to consumers reporting agencies. A person shall not furnish any information relating to a consumer to any agency if the person knows or has reasonable cause to believe that the information is inaccurate and all 3 of these agencies are reporting incorrect information and XXXX XXXX furnished the information knowing that it's incorrect
Product: Checking or savings account

I was scammed on a XXXX advertisement. The name of the company is XXXX. XXXX first ask my credit card information in order for me to look at what greater percentage deals I could get discounted for their product the night of XX/XX/XXXX. I was hesitant on buying their product that I wanted to sleep on it overnight before deciding to make a purchase or not. I usually do that anyways, since I am a XXXX veteran on a set income. 
I woke up the next morning, XX/XX/XXXX, doing my routine check of my finances on my online checking account. I discovered I had a pending transaction from XXXX for {$190.00} that morning. I called Chase Bank customer service at XXXXXXXX XXXX. and told my story to the gentleman about the XXXX unauthorized order. He said dont worry. Chase would refund my money. I asked him if they shipped the product to me. He then said " throw it away ''. 
The refund happen on XX/XX/XXXX. 
On XX/XX/XXXX, I went into Chase Bank in XXXX, CA. I spoke to XXXX XXXX at the bank who helped my in person about a letter that Chase Bank was going to take out XXXX out of my bank account. I explained to her that it was a scam. She and I then spoke to their fraud department. I was then going to give evidence to XXXX and then she would fax the information to Chase Bank Fraud department. I sent the information with a thank you to XXXX. She confirmed that she faxed the information to their fraud department. 
On XX/XX/XXXX, I spoke to Chase customer service and they said that they could not refund me my money. I said that the product was sent back to XXXX even after one of their Chase Bank collegue suggested I throw away the product. I even said that I reported it was fraud because I did not order anything onXXXX. I was looking at the product on XX/XX/XXXX. Besides, I go to bed early, because I have chickens. 
I have the e-mails from XXXX, from XXXX XXXX, from Chase bank, and a picture of my cell phone log.
Product: Credit reporting or other personal consumer reports

Incorrect personal information displayed on personal credit report.

Have attempted multiple times to have this information removed without any success.

My credit report personal information is showing an address that I have never resided at and an employer that I have never worked at.
Product: Credit reporting or other personal consumer reports

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. On this day over 60 days later. I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by XXXX data breach and may have gotten into the hands of the wrong person.
Product: Credit card or prepaid card

My issue is with Synchrony Bank and their Amazon card. They offer a deferred balance option on large purchases so I decided to try it on top of my regular use of the card for regular purchases which I pay off at the end of each month. I looked into the terms prior to agreeing to deferred interest and in their terms it says I am able to pay off my regular balance in addition to the deferred interest balance each month. After making a large purchase with deferred interest I looked at the following months statement, as there was nowhere in the banks application to choose which balance to pay. Clearly in their monthly statement it says that I have to call customer service to choose which balance to apply the payment to- something that is not in their terms for the deferred interest promotion. So I called and customer service took a payment for the interest bearing balance as I requested, I then received a few days later, a notice saying that the payment could not be applied as requested ( after they took the money from my account and in a recorded call confirmed I was paying of the interest bearing balance ) and that it would all be applied to the interest differed balance first. I called customer service again and they assured me that letter meant nothing and that I would have no interest on my next billing cycle. When the next billing cycle happened, I saw an interest charge and called again. Again I was assured this was removed and it wouldnt happen again going forward, now I receive the same letter in my emails saying the payment is not going where I asked and they confirmed it was going. I feel like this is a very clear act on the banks part to defraud its customers and trick them into paying interest without being able to pay the balance off. It is in violation of everything they have said in recorded called, in their terms of service and clearly written in their billing statements.
Product: Credit reporting or other personal consumer reports

Despite my multiple attempts, the situation remains unresolved. I believe it is essential to provide an overview of the numerous attempts I have made : I first discovered the fraudulent items on my account and promptly contacted your customer service department. I clearly explained the situation and submitted the required documentation. I was assured that the issue would be resolved. To my dismay, I had still not received any updates or resolutions. I trust that your organization takes issues of fraud and customer satisfaction seriously, and I am hopeful that this matter will be resolved promptly and to my satisfaction. If this issue is not resolved within the exact timeframe, I will have no choice but to seek legal counsel and report the matter to the appropriate regulatory bodies. The lack of resolution has taken a severe toll on my financial and emotional well-being. Kindly help me remove the following items immediately:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their deispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting

On XXXX XXXX, 2016, TransUnion Credit Reporting Agency lowered my credit score by XXXX points because I paid off XXXX ( XXXX ) creditors as promised and according to the payment schedule established. The payments I made were final payments. TransUnion found fault with this and penalized me by lowering my credit score. Their action will cost me higher fees for credit. I did not receive any satisfaction over the phone. I filed a complaint with the XXXX ( case number above ) and TransUnion responded to the XXXX and sent me a copy of their response. TransUnion did not address my complaint, instead, they informed the XXXX of the hundreds of scoring models they use to reach a conclusion. I then submitted a complaint to Congressman XXXX XXXX ' office and they were not able to help. Consumers are expected to pay their bills on time. This is the American way. I should not have to suffer penalty when I pay my bills as promised. TransUnion must restore the damage they did to my credit score when they lowered it after I paid off XXXX of my bills. When TransUnion opinions that by paying off bills that consumers reduce available credit, they have to consider that car notes and furniture credit have a termination date. Paying them off should earn consumers praise rather than penalty.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have communicated with the credit bureaus on several occasions about the 14 fraudulent inquiries that I did not make that appear on my credit report/file as well as numerous accounts that were opened without my knowledge, authorization/consent. My FTC report # is XXXX. These accounts should not be reporting to my credit report/file because they do not belong to me and should be deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

THEY ARE A FRAUD.. 

THEY TAKE INFO > > NEVER GIVE YOU YOUR REPORT. 


I filled out all my information with my SS number,, because you said XXXX was safe and federally covered.. 

it stops,,, after all information, then says click on next,, ( to get those FREE REPORTS ) there is no NEXT BUTTON I believe they are a hoax and have stolen my identity.
Product: Credit reporting or other personal consumer reports

Please provide me with a Forward Flow Agreement and a Chain of Assignment. In regards to this account. Original holder of account is a XXXX XXXX XXXX XXXX company it says in the amount of XXXX My name is XXXX XXXX I have not open a account with any XXXX XXXX XXXX XXXX company. Do not call or harass me. Cease and Desist unless you are contacting me about removing this off my credit reports. I'm ready to file small claims case in the full amount of XXXX. In which your company will have to hire a lawyer and show up to court. With documents saying this account is mine and I have my police report and my FTC fraud report in hand to say otherwise. Please review my complaints I filed against XXXX XXXX XXXX with the CFPB and XXXX. Immediately remove this from my credit reports
Product: Payday loan

Last XXXX I took out a payday loan through Check N Go. A few weeks ago I was contacted by a law firm based out of Texas called XXXX XXXX XXXX XXXX XXXX, stating that Check N Go was going to sue me ... unless I paid {$700.00}. I was a dummy and gave them my credit card information over the phone to set up payments ... then cancelled my card thinking it was a scam. I was sent a document via email to sign verifying my payment agreement, which was apparently XXXX. I was told this was taken care of from the law office, not another debt collection. Different phone numbers and location, but XXXX automatically transferred me to the same woman who keeps calling from the law firm, XXXX XXXX. I contacted Check N Go, and the debt was sold to XXXX XXXX XXXX, then contacted them, and the debt was only for {$500.00}, and they said it has been bought by XXXX XXXX XXXX. None of this is on my credit report, nor have I received anything in the mail from any creditors listed above. I just do not know how to figure out what is real and what part is a scam. I live in Ohio ... and all of this is coming from Texas.
Product: Debt collection

Recently, I noticed that  Capio Partners repo rted  XXXX  medical debts on my   XXXX    credit report. Prior to the appearance of those accounts, I never received any notice of the balances, nor my notice of right to dispute. I have ask ed Capio Partners  to delete these accounts from my credit report, but they refuse.
Product: Credit reporting or other personal consumer reports

This is several times I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit reporting agencies to review these accounts ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or update the listed incorrect information on my credit report. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt or credit management

This is a company called Midland Credit management , IncXXXX XXXX XXXX. This company has illegal filed a court date against me in XX/XX/year>. When the court date occurred they never sent me the court date. they went to court and ruled on the judgement with me being there. I never in my life had Midland Credit or a XXXX  XXXX card. This is all fraudulent. I report their attorney XXXX XXXX XXXX to the Georgia Bar Association. I am a single parent, I can't afford to have my wages garnished. This situation needs to be resolved immediately. I also filed a complaint with the Attorney General against Midland Credit. This company has a illegal judgement of XXXX against me.
Product: Debt collection

I been trying to get XXXX XXXX  off ny credit having trouble im not working
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. 
XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX  XXXX XXXX XXXXL 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, states a consumer reporting agency can not furnish an 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 and crimes which antedates the report by 7 years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

I have already previously contacted EXPERIAN and disputed these items multiple times.
Product: Money transfer, virtual currency, or money service

XX/XX/2023 Went into a KeyBank location at XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX I do not have a checking or savings account with KeyBank, but my work uses this branch and their website states " Non-clients can cash certain types of checks at any of our XXXX branches. Types of checks we can cash. For people without a KeyBank deposit relationship can quickly and securely cash checks drawn on KeyBank accounts, as long as the check is for less than {$5000.00}. '' I have previously cashed checks here without incident. The check I intended to cash was {$2700.00}. I was informed that I can not cash the check since it exceeds {$2500.00}. I informed them what their corporate website says, and that CFPB states on their website " If you are at a bank or credit union where the check is from and you show the identification they require, the bank or XXXX XXXX must cash the check if there is enough money in the account on which the check is written. '' I had previously been required to show two forms of ID ( drivers license and debit card ) to cash the check, and had done so. I asked the employee who I was speaking with if KeyBank corporate website was wrong, or if CFPB was wrong and he wouldn't give me a straight answer.
Product: Debt collection

I never received a copy of the signed contract of this debt and also requested an itemized copy of the bill and was never sent. By law this is required per consumer request to validate the debt. Please send this or remove this debt from my name.