23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I am a XXXX  XXXX as well as a XXXX XXXX. As a XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am paid through the Management company or bank for my services. During the last week of XXXX XXXX XXXX of XX/XX/2023 I completed 13 Court ordered evictions for Open Door Property Management. The last ( 2 ) checks I mobile Deposited were check # XXXX and check # XXXX both in the amount of $ XXXX # XXXX was cashed however check # XXXX was and still is being held and XXXX told my account has been closed. I contacted the owner of the bank both checks were written on and he was going to reissue the check however Huntington had already taken the funds from his account. I have been to the branch several times and was told that the check # XXXX is altered. On XXXX i went into the branch and took both checks and the stubs and verified the check in fact had not been altered. The banker scanned and emailed them to the Hold Desk. My Attorney XXXX XXXX has attempted to call and explain he has been retained, and was not contacted back. I was called by the branch and told that they wont talk to my attorney because he is not on my account. I was told that I would have to file a Power Of Attorney in order for him to repersent me. I am attatching the copies the banker sent to the Hold Desk. i explained that life still goes on and I need my money as I have bills and kids.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I didn't receive a loan from this company LVNV funding.this company is saying that I owe them XXXX $ and it's reported in my credit report.i called this company and I tried to resolve the matter.i want this off of my credit report immediately.this is fraud
Product: Credit card or prepaid card

XX/XX/XXXX @ XXXX PM CDT - Reserved a hotel room. For 3 nights. 
XX/XX/XXXX @ XXXX PM CST - Was notified of a COVID exposure while still in attendance at a work event. 
XX/XX/XXXX @ XXXX PM CDT - Notified service Provider of need to cancel reservation. 
XX/XX/XXXX XXXX AM CDT - Did not hear back from service provider ( XXXX ) and out of concern, submitted dispute with Card Provider ( Chase ). 

Despite due diligence and dispatch on my part, both parties failed to act in a timely manner and upon hitting some kind of threshold, Chase simply reached out and told me they were declining to pursue my dispute. They never bothered to collect documentation from me which show my active efforts to resolve this issue through both their and XXXX 's customer service channels even prior to the reservation starting. This could have been resolved to everyone 's satisfaction had they simply engaged me. I would have accepted partial settlement of some kind.
Product: Credit reporting, credit repair services, or other personal consumer reports

This scam continues with credit inquiries! How is a consumer to shop when too many " hits '' creates a negative. Every car dealer you speak to etc. Frankly designed to kill you financially. It is an inquiry NOT a loan! 

How Do Inquiries for Mortgages, Auto Loans and Other Loans Impact Your Credit Score? 

Hard credit inquiries, like other information on your credit reports, are seen by the major consumer credit scoring models, FICO and VantageScore. Having multiple hard inquiries within a short period of time can be predictive of credit risk, so having too many inquiries for different types of credit can result in a lower credit score. And get this any and all are allowed to make inquries and NO FREEZE keeps them off the file FACT! 

While all hard inquiries resulting from loan applications were once considered separate events by credit scoring models, that hasn't been the case for many years. FICO and VantageScore have evolved in their treatment of multiple inquiries as a way to avoid unfairly penalizing a consumer for being a smart rate shopper. 

In the contemporary versions of FICO 's credit scores, for example, hard inquiries related to mortgage, auto loan and student loan applications are entirely ignored for 30 days from the date of the inquiry. So if you settle on a loan during that 30-day time period, your scores will not be affected by inquiries. 

After those inquiries have aged past 30 days, they still may not be counted as independent inquiries by credit scoring models. That's because FICO considers similar loan-related inquiries that have occurred within 45 days of each other as a single inquiry in the scoring process. 

For example, if you shopped around for an auto loan with five different lenders over a period of 45 days, FICO would consider those five hard inquiries as one hard inquiry for credit scoring purposes. This is because the inquiries all occurred within 45 days of each other, and FICO understands that you were rate-shopping for one loan, not five loans. 

In VantageScore 's credit scoring systems, all hard inquiries that occur within 14 days of each other are considered as one inquiry for the scoring process. This applies to all hard inquiries, regardless of the lender. 
Inquiries Are Minimally Important to Credit Scores The reason any type of information in your credit report may factor into your credit score is its indication of credit risk. Taking on multiple new credit obligations in a short period of time indicates possible financial distress and elevated credit risk, which is why hard inquiries can impact your scores. That said, hard inquiries do not always impact your scores and are never the sole reason for a low score or being declined for credit. 

When you compare the influence of inquiries with the influence of the other credit scoring categories, you will see that the consideration of inquiries is the least important aspect of your credit reports. They just aren't that important to your scores. 

REALLY OPINION BY EXPERIENCE not true!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX has mistakenly placed me as an authorized user on a strangers account. They are reporting this information to Equifax. When I call XXXX XXXX they stated that they could not help me because I dont have information about the primary cardholder. When I contacted Equifax, they stated that I needed to contact XXXX. I cant get anywhere with XXXX because I do not know whose account they have mistakenly linked me to. I believe this happened in error because I was placed as an authorized user on my mothers account. My mothers name is XXXX XXXX. Somehow during this process I was placed on a complete strangers account as an authorized user. Please help me get unlinked from this strangers account as an authorized user and removed from my Equifax credit report.
Product: Credit reporting or other personal consumer reports

I applied for new vehicle loan with XXXX XXXX and while my loan was promptly approved, the credit score provided to XXXX resulted in a tier 2 finance rate ; 5.94 % vs 5.29 % over 72 months. Trans Union was the source and they reported my score to XXXX at XXXX, per the letter XXXX subsequently sent me. 

The problem is, I have been monitoring my Trans Union credit score for years on XXXX XXXX and it was specifically reported at the same time as my loan application to have been XXXX. The other two credit bureaus are closer to the XXXX than they are the XXXX ; I've never had any credit score that low by any of the three credit reporting bureaus in I don't know how long. 

The same goes for the free credit score provided on XXXX 's own website which shows me at a XXXX. XXXXXXXX XXXX tells me that that Vatange 3.0 score comes from Trans Union. 

The end result is I have a tier two loan rate that over the life of the loan results in thousands of dollars more interest. This is a deceptive and fraudulent ( because it costs me more money ) practice by Trans Union and they need to be asked why all other sources being shown to me have been reporting my Trans Union credit score significantly greater than what they reported to XXXX when I asked for a loan.
Product: Credit card

The corporation continues to practice securities fraud as they have not returned any of my monthly dividends to me and they are also committing tax invasion by not paying the taxes on the funds they are receiving. The trustees, indenture trustees, CFO, CEO, parent company, and its affiliates are committing organized crimes ( RICO ) by knowingly committing the previously mentioned offenses.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$970.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$33000.00} XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX continues to access my credit report, via an inquiry. They have no business doing so. I have no account in recovery, or late. The company can not explain why they are accessing my highly personal data every XXXX months.
Product: Credit card or prepaid card

On XX/XX/XXXX a fraudulent purchase was made on my Discover credit card on my XXXX, I made a dispute with XXXX they stated they could not help me. I waited until XXXX of XXXX to try with Discover. They told me since I payed on my account and did not report fraud immediately they could not determine it was fraud.
Product: Credit card

I received an offer for a State Farm XXXX US Bank credit card. The initial solicitation included an incentive of {$150.00} cash back if you spend {$500.00} on the card within the first 90 days. 

The card when received had all the benefits listed as in the initial solicitation encouraging one to apply, except for one the {$150.00} cash back offer. 

No surprise. Why would the bank want to remind customers of that benefit that depending upon the number of people who sign up and opt in for that benefit would result in the bank having to return a portion or charges to its newest customers?! 

I know this is peanuts with what your agency is working on before the XXXX XXXXXXXX XXXX the agency but thought to get this on record. 

Please also burn my submission so I dont go on the enemies from within list.
Product: Credit reporting or other personal consumer reports

On my reports I have inquiries from XXXX XXXX XXXX  I have no account with XXXX XXXX XXXX  nor am I seeking one nor is the one open in my name I am asking to have this removed from all reporting agencies
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following information in my credit report file. The documents are attached and the disputed items have been circled. I have enclosed copies of my driver license, Social Security Number and Utility Bill Number to support my position. Please investigate these issues as quickly as possible because they are having an adverse effect on my financial situation and has caused me financial distress in other areas as well. These items are inaccurate or incomplete. Kindly remove or correct the information : XXXX  XXXX  XXXX and XXXX  XXXX
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. 

DEPT OF ED/XXXX : # XXXX XXXX  XXXX XXXX : # XXXX XXXX  XXXX XXXX : XXXX XXXX XXXX  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 witout 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 od 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

SPRING OAKS CAPITAL LLC at XXXX XXXX XXXX XXXX, VA XXXX- This collection account has been reported as having passed due balance of {$390.00} on my XXXX credit report ( ONLY )- I do not know this company. I have never done any business with this company. This company does not have a contract with my signature. 

Note : This complaint is NOT for verification, this company couldnt provide me with ANY paperwork showing 100 % VALIDATED proof that I am responsible for this alleged debt. SPRING OAKS CAPITAL LLC, MUST provide me with the following with 30 days. 

Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein XXXX agreed to pay the creditor. 
Any insurance claims have been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to the collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful.
Product: Credit reporting or other personal consumer reports

I have been disputing inaccurate information that's being reported on my Credit report for that last XXXX months with this company. I've called, live sent letters, reported to XXXX  and now I'm here, because these accounts and inaccurate Personal information is still being reported. I've since filed a fraud dispute because these inaccurate accounts and personal information keep getting verified through e-oscar verification. I do not consent to any XXXXXXXX  verification due this matter being very serious and showing a serious error in this company reporting. I would like these inaccurate accounts and personal information to be deleted from my report due fraudulent inaccurate information being reported. These companies are also getting my current information from my disputes to update their information to the Credit Bureaus because they had inaccurate Fraud information.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft this is why all of a sudden there are 1 million inquiries, but they're not from me. I've reached out to each and every one of these banks they're aware of the fraudulent activities, but they said that it was up to the credit union to remove the inquiries. That you would reach out to the bank, and they will confirm that they were fraudulent and all of these inquiries below would be removed from my credit report and I know what you're gon na say. These were reported to you yes by criminals who were trying to open credit accounts without my permission, but these are not my credit inquiries I didn't apply for any of these cards XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 My name is XXXX XXXX XXXX That is my only name. Any other variation of my name was submitted to the credit bureaus fraudulently to attempt to open lines of credit without my permission. XXXX XXXX is the only name that should be listed on my credit report nothing else. All other names all other combinations or versions of my name should be deleted and again I know somebody reported them to you. That was the criminal who was trying to open illegal credit cards fraudulently please remove all of the versions except for XXXX XXXX. 

For the past 27 years I have lived at XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX before that I was still living at home in XXXX XXXX XXXX XXXX XXXX is my home address and the only address that should be listed on my credit report. Any other address was submitted to you fraudulently. I was a victim of identity theft, and all other addresses were being used in the attempt to open lines of credit without my permission All other addresses except for XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX should be. Removed immediately as fraudulent feel free to check with my credit cards. That's the only address they have. 


XXXX {$10000.00} and {$2500.00} transactions on the card are fraudulent. The bank has not performed a proper investigation. 

XXXX XXXX XXXX XXXX is not closed. The account is still open with {$1000.00} credit limit. 

XXXX both XXXXXXXX XXXX and XXXX 's credit cards are still open and active. Not sure why they're being reported as closed. They are not closed.
Product: Credit card

Subject : Urgent : Request for Refund and Resolution of Transaction Dispute Dear Goldman Sachs Bank USA, I trust this message finds you well. I am writing to bring to your attention a matter of great concern regarding a recent transaction and subsequent service experience, seeking your assistance in resolving this issue promptly. 

**Transaction Details : ** On XX/XX/year>, I initiated a payment of {$2000.00} for a service that, unfortunately, left me extremely dissatisfied. The promised follow-up call never materialized, and despite assurances of a refund since XX/XX/XXXX, the reimbursement has not been received as per the attached screenshots. 

**Service Dissatisfaction : ** 1. **Unfulfilled Promises : ** I was assured of a call which never occurred, leading to significant dissatisfaction with the service.

2. **Delayed Refund : ** Despite promises of a refund, my {$2000.00} has not been returned, causing distress and financial strain.

3. **Lack of Communication : ** When I questioned the delay, my inquiries were completely ignored, adding to the frustration.

**No Clear Agreement : ** I would like to emphasize that all interactions were conducted over the phone, and I was directed to a link to input my card details. At no point was I presented with an agreement, checkboxes to confirm terms, or any document to sign following the {$2000.00} payment. 

**Refund Policy Absence : ** Moreover, the attached Stripe receipt and the provided link lack any indication or explanation of a refund policy. There is no information provided on how to request a refund or the terms associated with the transaction.

**Request for Action : ** Given the circumstances described, I kindly request : 1. An expedited review of the attached evidence and a thorough investigation into the transaction dispute 2. Urgent attention to the refund process and a resolution of the dissatisfaction surrounding the unfulfilled service promises. 

I believe I am a victim of a scam, and your assistance in rectifying this situation is crucial. I appreciate your prompt attention to this matter and look forward to a swift resolution.
Product: Debt collection

The number that they called is a business line that I have had for over 5 years. The person was looking for someone I have never heard of, but they spoofed the phone number. They claimed to be from MCM, Midland Credit Management and gave the contact phone number as XXXX. The number that showed up on my caller ID is XXXX and said " account services ''. The person claimed to be at a call center in XXXX and gave the address as XXXX, XXXX XXXX XXXX  The person could not tell me the address of MCM.
Product: Debt collection

I have a debt from a medical supply company that was sold to XXXX XXXX XXXX. I was contacted by XXXX XXXX. I set up payments for twice a month in the amount of {$100.00}. She took it upon herself to draft {$200.00} a week from my account without my consent. I advised her that I did not consent to this agreement and can not afford it and nothing has been done. I have requested that she cancel my payments due to this illegal transaction.
Product: Debt collection

Subject : Dispute of Unlawful Reports on My Credit Report Dear [ Credit Bureau ], I am writing to dispute certain items on my credit report that I believe to be inaccurate and unlawful. Upon reviewing my credit report, I noticed discrepancies that are negatively impacting my creditworthiness. 

I request that you investigate these discrepancies and remove any inaccurate information from my credit report as soon as possible, in accordance with the Fair Credit Reporting Act. Additionally, I would like to receive a copy of my updated credit report once the investigation is complete. 

Thank you for your prompt attention to this matter. 

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

In accordance with fair credit reporting act XXXX  act # XXXX, has violated my rights 15 USC 1681 section 602 : states I have a right 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 my not threat a payment on a credit card account under an open end consumer credit plan as late for a purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I requested to have Equifax remove an account from my credit report. The company that is show up is XXXX XXXX The balance that is being reported is too high. I have them verify this information according to Section 609 of the FCRA requires you to send me copies of the agreement with my signature. That is the only satisfactory proof and I am yet to receive it.

The fact that you dont have any of the said documents in your files is proof that you did not properly verify the accounts within 30 days as required by law and the Court will order you to delete them.

Your failure to delete the disputed accounts that you can not verify after two written requests is also evidence of your willful disregard of Federal Law.