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

Please find my complaint against Chex Systems for failure to comply with Section 609, 611 FCRA. I am attaching to my complaint components of Section 611 FCRA. I am filing this complaint based upon an erroneous report on my Chex Systems File from XXXX XXXX XXXX XXXX. In their response to the CFPB Chex systems stated that if a police report was submitted they would reinvestigate the complaint. Chex Systems also referred me back to XXXX XXXX XXXX XXXX  for further information. XXXX XXXX XXXX XXXX has failed to comply with Section 609, 611 FCRA by failing to provide me with the required information pursuant to Section 609, 611 FCRA. 

I make demand of the following information as part of Chex Systems reinvestigation into my complaint under Section 609, 611 FCRA. 

I demand the time, date and authorization utilized by XXXX XXXX XXXX XXXX to access my credit file for purposes of establishing an account with them in the name of XXXX XXXX XXXX XXXX XXXX, I demand all identifying documents associated with or in connection with establishing an account with XXXX XXXX XXXX XXXX, the person supplying those documents and the time and date those documents were provided to Chex Systems in the name of XXXX XXXX XXXX XXXX XXXX, I demand all copies of account agreements, contracts, depository history or any identifying document that referenced XXXX XXXX XXXX XXXX XXXX, I demand the type of investigation taken by XXXX XXXX XXXX XXXX and Chex Systems to verify the information supplied to Chex Systems by XXXX XXXX XXXX XXXX to verify the report related to XXXX XXXX XXXX, XXXX, as required under Section 611 FCRA. 

I am enclosing the contents of Section 611 FCRA to ensure that Chex Systems and XXXX XXXX XXXX XXXX comply with the statute regarding the investigation of my complaint and the dispute of the information on my credit file with Chex Systems , Inc., Please comply with all facets of the submitted statute under Section 611 and demands I have made with regard to my dispute under Section 611 FCRA.
Product: Money transfer, virtual currency, or money service

I disputed a charge with my financial institution over a month ago because an XXXX driver tried to scam me out of {$150.00} for a fraudulent cleaning fee. XXXX canceled the fraudulent charge and my bank canceled the dispute. I have been trying since XX/XX/XXXX ( it is now XX/XX/XXXX ) to try to get my XXXX XXXXXXXX out of my Venmo account so that I can pay my bills with no resolution. I have provided the necessary paperwork and my financial institution has contacted them directly multiple times. They will not tell me when I will be able to access my money and have suspended my account. I was a victim of fraud and Venmo is doing nothing to resolve this. I have submitted many support tickets with no resolution. I have been unable to purchase XXXX gifts or pay my medical bills due to this.
Product: Credit reporting or other personal consumer reports

Experian has not met its legal obligation under the Fair Credit Reporting Act to properly reinvestigate disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau has recently filed a lawsuit against Experian, citing systemic issues, such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and not properly notifying consumers about dispute outcomes. These issues mirror my own experience, where Experian has neither corrected, removed, nor amended the disputed accounts. Experian 's inaction constitutes a violation of federal law and my rights as a consumer. Additionally, they charged my card without authorization, despite my subscription being free due to a previous lawsuit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. This creditor Bridgecrest has violated my rights. 
-Under 15USC 1681 Section 602, states, I have the right to privacy.

-Under 15USC 1681 section 604a section 2. It also a consumer reporting agency can not furnish an account without my written instruction.

-Under 15USC1666b a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose. 

Please rectify my report and obtain my privacy. Let me know if there is anything else you need from me. 

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

I looked at cars twice from 2 different dealerships. Each time the dealership took it upon themselves to run my credit after I told them THEY ARE NOT TO RUN MY CREDIT, YOU DO NOT HAVE MY PERMISSION TO RUN MY CREDIT, I DO NOT NEED OR WANT YOUR FINANCING. I had already secured financing though my home town bank. They took what information they had and proceeded to " shop around '' using my social security number, name and address from my pre-approvals. THAT IS CALLED THEFT. Plain and simple. When someone says " NO '' no mean NO! So, I obtained my credit report from all 3 bureaus. I found more mistakes and other companies that did not have my permission to run my credit. I disputed all 29 inquires. The credit bureau did not even try to find out if these inquires were fraudulent. I 've went though every avenue to get these removed and off my credit. I got the run around every time. It 's even went as for as the fraud department at Experian telling me, " these are a dealerships and credit card companies! As for dealerships, as soon as you went through the doors, that gave them permission to do what they wanted! '' WHAT?!?! EXCUSE ME!?!?! How can the fraud department employees be so misinformed??? I want the inquiries removed from credit report!?!? My personal information was stolen and used without my permission for financial gain. I want my credit report to reflect the actions of myself and myself only.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX I requested from money lion to refund my credit builder plus loan funds totaling more than {$400.00}. All they said was that they cant refund it unless I finish paying it off, but I had recently quit my job to a hostile work environment, and dont see myself being able to get money to pay it off in the future. My self employment wont be enough to cover it. Also, Im not sure if this company is fradulent given I was charged {$110.00} on XX/XX/XXXX on my roar account, but I had already payed it off using my bank account. Also, there was hidden membership fees. It wasnt stated that Id owe an extra XXXX dollars twice a month in the user agreement.
Product: Credit card or prepaid card

I bought a vase, it arrived late, by the time I received it, I no longer wanted it. I sent the vase back to the merchant, the merchant accepted the return. 

The date I received the item was XX/XX/2023 Capital one did not know the date of receipt and rejected the complaint, I told them the date of receipt, and they agreed to open the claim. 

XXXX. This was the only information that was requested. 

In a letter dated XX/XX/2023, Capital one requested additional information, I responded on XX/XX/2023. 

Capital One closed the case as I did not respond in a timely matter. 

Capital One says to allow 7 to 10 business days to receive communication, which means I could have received it by XX/XX/2023 Capital one said I have 21 days to respond, but I did respond according to their timelines.
Product: Credit reporting, credit repair services, or other personal consumer reports

Missed payments and late payments were errorounlsy reported
Product: Credit reporting or other personal consumer reports

I am formally disputing the following negative items on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.
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. 

Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXXXXXX XXXX XXXX XXXXXXXX, Account name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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.
Product: Debt collection

To whom it may concern, I have disputed Portfolio Recovery Associates on behalf of XXXX XXXX Bank XXXX for the amount of {$110.00} in the past and never received anything back within the 30 days allotted so this account should be deleted/removed from my credit profile on XXXX, XXXX, and XXXX. 

The original dispute was regarding the validity of this debt because I only have XXXX XXXX XXXX credit cards and they are both current. I am not sure where this {$110.00} collection is coming from. I have had a credit card past 7 years ago in the past from XXXX XXXX, but as you see in the attachment, what is being reported on my credit is that it was opened XX/XX/XXXX and last active on XX/XX/XXXX. Which again, not really sure where this collection is coming from. 

Please help me get Portfolio Recovery Associates on behalf of XXXX XXXX XXXX XXXX account deleted/removed from my credit profiles on all three bureaus. 

Thank you, XXXX XXXX Account Name : Portfolio Recovery Associates XXXX XXXX XXXX Bank XXXX Account Number : XXXX Amount : {$110.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB Complaint to bring to the Credit Bureaus ' attention the presence of fraudulent accounts and inaccurate information on my Credit File, which is causing significant concern and distress. As a consumer protected under the Fair Credit Reporting Act ( FCRA ), I am requesting the immediate removal of these erroneous items in accordance with FCRA section 605b. It has come to my attention that there are accounts listed on my Credit File that were opened fraudulently. I believe I have fallen victim to identity theft, and I have taken the necessary steps to report the issue accordingly. Enclosed with this letter, you will find the required documents, including an ID Theft Report, supporting my claim and providing evidence of the fraudulent activities associated with my credit profile. I request the immediate deletion of the following items completely from my Credit file : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove these information from my credit report, pursuant to section 605B of Fair credit reporting Act and send the required notification to all furnishers of this information.
Product: Credit reporting or other personal consumer reports

This was not authorized with my permission. I am oblivious to what this is about. Please remove this inquiry off my credit report. My credit report shows a collection from your agency. I was never notified of this collection. Whats more, I do not believe this debt is accurate. Under the FAIR DEBT COLLECTION PROTECTION ACT, I have the right to request and receive validation of the debt. Therefore, please provide me with a copy of all the following : An explanation of what this alleged account balance is for or when credit credit card was applied for with consent and signatures A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct. 
Documentation that shows I agreed to pay this debt The Agreement that grants you the authority to collect on this alleged debt. 
A copy of your state license, including license number. 
Stop contacting me about this or any other matter you have, except to provide me with accurate verification of this debt by U.S. mail only
Product: Debt collection

They left me a voicemail threatening to charge me with check fraud and serve summons at home and place of employement if I did n't contact them and pay immediately. I was going through a tough time and never attempting to defraud them in anyway. The collection company was XXXX in XXXX PA. Their phone number is XXXX. I have the voicemail saved on my phone as evidence. They also called members of my family telling them they would be at fault if I did n't receive my " summons ''.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

Bank of America is paying scammers, fraudulent merchant from my credit and debit cards leaving me with low balances. I'm consistently having to disputes these transaction that they are complicit in. I don't won't BOA paying anyone w/o checking with me first. In there mean time I have to wait 7-10 or longer business days before these disputes resolve. Leaving behind in other bills and paying late fees due to their actions. I was in an emergency crisis where I couldn't get my own funds due to their actions, therefore I quitting this bank after 12 years of service with them. I believe this banking institution needs to be thoroughly investigated on there banking practicing. Anybody nowadays scammer and fraudulent conspirators can get your credit and debit card information and pull any amount of fund available from my accounts and this bank will pay them off and fault me for them having that information, when I know nothing of these false charges that's being incurred and BOA paying them from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/2019 CONTACTED BUREAUS ABOUT THIS FALSE INFO
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT ITS BEEN MORE THAM 30 day they are in violation of the " FAIR CARES ACT '' XXXX  XXXX XXXX Experian XXXX Account # : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Credit Card Credit Card - Bureau Code : Individual Individual Individual Account Status : Paid Paid Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} {$0.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$720.00} {$0.00} {$500.00} Credit Limit : {$500.00} {$500.00} {$0.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Collection/Chargeoff Unknown Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Payment after charge off/collection Dispute resolved; reported by grantor Account was in dispute - now resolved - reported by subscriber. 
Account legally paid in full for less than the full balance. 
Consumer disputes this account information Settlement accepted on this account Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Two-Year payment history Month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Year XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian CO XXXX XXXX XXXX XXXX XXXX OK OK XXXX XXXX OK OK XXXX OK XXXX OK OK OK OK OK OK OK OK OK OK XXXX XXXX XXXX XXXX XXXX OK XXXX XXXX OK OK RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I traded a vehicle 13 days before my due date XX/XX/2020 on XX/XX/2020. It was a 54 month term I had the car less than 24 months. The creditor listed me as late for XXXX and XXXX payment and sent me a final payoff letter dated XX/XX/2020. 
That documentation alone corroborates that I wasn't late in addition to the fact that I was no longer in possession of the vehicle after XX/XX/2020. I disputed with all 3 credit bureaus supplied documentation in addition to the paid in full letter and state tax forms specifying the date of the trade in. They all sided with the company who were paid off but each one of the bureaus have the dispute results listed as paid in full but the late payments are hampering my credit growth. XXXX XXXX XXXX out of Michigan has the propensity to berate under served customers and communities per the XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

During Covid i have been out of work from XX/XX/2020 still until now husband caught XXXX from work and every family member got sick we all are not working. 
I check my credit report and i have XXXX late payments on my credit file. all during covid ihave had my credit go from XXXX to a XXXX. I wrote all the companies telling them im not working due to underlying medical conditions and XXXX XXXX XXXX XXXX XXXX with XXXX, its a high risk position so i have been out. XXXX XXXX -- reported me 13 times late XXXX XXXX -- reported 7 times late, XXXX XXXX XXXX -- - reported me 21 times late, XXXX  XXXX credit limit XXXX XXXX -- reported 16 times late, XXXX XXXX XXXX -- reported 10 times late, XXXX XXXX XXXX reported 4 times late, XXXX   XXXX  XXXX -- -reported 10 times late, XXXX XXXX  XXXX XXXX- -reported 8 times late, XXXX XXXX XXXX -- -reported 15 times late and possible could be the same accounts reported duplicates. I have 101 late payments and this is preventing me for getting any help. SBA just  denied me by this information from XXXX, XXXX  and XXXX. All these compnies need to remove every late fee from XX/XX/2020 until Now. The president signed into effect the cares act and i can not get any assistamce due to my credit report entries of 101 late payments by companies listed above.
Product: Credit card or prepaid card

I had a credit limit of {$1000.00} when I first opened up my Synchrony Bank Ashley furniture credit line. I have made my payments on time over the minimum amount due for a year. I received a notice from my credit reporting agency that my score went down. I looked into it and found out that synchrony decrease my credit limit down to {$590.00}. I was given no prior notice. And they refused to tell me why. This has drastically lowered my credit score.

After reading reviews this is happened to many other people during this Covid-19 pandemic. I have never missed a payment and I always paid more than the minimum amount due so they should not of happened to me. I believe this is unfair business practices.
Product: Credit reporting or other personal consumer reports

The information from XXXX XXXX XXXX XXXX is incorrect. It needs to be updated to paid in full attached is documentation that this account has been paid in full years ago. I would like all derogatory information removed from my credit report, transunion, XXXX XXXX XXXX immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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.

15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of the competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.