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

While checking my credit score with XXXX XXXX I noticed my Equifax Credit Score points were down because of a Hard Inquiry generated by XXXX XXXX? I did not authorize XXXX XXXX to run a credit check on me, as I am not interested in there services. Public Utilities should not allow these unauthorized inquiries, in fact, legal steps should be taken against XXXX XXXX.
Product: Bank account or service

XXXX. 
This is about my personal information being compromised. Total of {$310.00} in Unauthorized charges and also XXXX Account XXXX, XXXX Account XXXX, XXXX XXXX, XXXX XXXX XXXX Account XXXX, XXXX XXXX XXXX Account XXXX XXXX and XXXX XXXX Account XXXX were opened under fraudulent means under my name
Product: Credit reporting or other personal consumer reports

Subject : Complaint against Autopay and XXXX XXXXXXXX XXXX for misleading advertising and hard inquiry refusal removal. 

I am writing to complain about Autopay and XXXX XXXXXXXX XXXX ( Autopay ) for misleading advertising and refusing to remove a hard inquiry from my credit report. 

On XX/XX/XXXX, I was researching auto loan refinancing options through my bank and received marketing offers from XXXX. I submitted a request for more information about buying out my auto loan lease. I was contacted by XXXX XXXX of Autopay, who deceptively misled me with a multitude of " pre-qualified '' auto refi loan rates as low as 3 %. I have attached screenshots of our email conversation below. 

After several phone calls with XXXX and her team, they haggled me into misrepresenting me with a refinance rate variance of 3 % to 5 %, based on my XXXX XXXX score, low debt-to-income ratio, and XXXX vehicle lease buyout with a fair down payment. 

Autopay ran a hard inquiry on my credit report and sent my application to multiple sources, including XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. However, all of the rates I received back were higher than 6.75 % to 8 %. I declined these absurd rates and informed Autopay that I was no longer interested in their services. 

Despite my decision, Autopay continued to badger me week after week to take their offer. It took them over 60 days to finally give up. 

My credit report still shows a hard inquiry for this misleading and misrepresented offer that I never accepted. I have reached out to both XXXX XXXX XXXX XXXX and Autopay, but they have both refused to remove the hard inquiry. 

I am submitting this complaint because Autopay is still misleading consumers about the potential " lowest '' unrealistic rates out there as low as 3 %. These deceptive practices need to be rectified. I understand that advertised rates may not always be exact, but there is a big difference between a plausible variance and a complete scam with more than double the rate advertised, even for supreme prime consumers with over XXXX XXXX scores, very low debt-to-income ratios, and extremely low monthly carry-over debt with over 20 years of managing optimal credit. 

I can't even imagine what other lower-tier credit consumers are being misled with much higher rates than falsely advertised. 

All I am asking for is to formally remove the hard inquiry from my credit report from XX/XX/XXXX. Autopay has refused to work with me on this, even after several attempts and call escalations with different representatives. 

There needs to be more regulation on these scammers and falsely advertised marketing. A hard inquiry should be able to be removed from a credit report if the deal was never a finalized transaction. 

I am requesting that you investigate this matter and take appropriate action against Autopay. Thank you for your time and consideration.
Product: Student loan

I was having financial difficulties so I contacted the loan company for a repayment plan. The adviser gave me a repayment plan and a recertification date of XX/XX/2017. XX/XX/XXXX I received a notice that stated my plan ended and my repayment amount changed. I called twice and chatted online to see why. Each time I was told my plan ended because it was added at a later date than my other loans. This did n't make any sense because I applied the repayment plan to all of my loans. I was advised all I had to do was complete a form to recalculate my payment. I received the form prefilled by the previous agent. I signed the form and attached my proof of income. I never received an update so I contacted the company. Now I 'm being advised I did not complete the form correctly.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I applied for a mortgage with XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  in XXXX, Wyoming at around XXXX XXXX  via their secure online portal. The loan application had myself and my husband listed as the borrowers. By XXXX XXXX  XX/XX/year>, my husband had received 3 phone calls from three different mortgage companies asking about our mortgage application. All three phone calls came from Nebraska area code phone number but none of the mortgage companies are in Nebraska. ( We have Nebraska phone numbers and assume the caller numbers were spoofed to entice us to answer them ) The first text was from XXXX XXXX with a picture of his business card from XXXX XXXX Loans in XXXX, MI. The second company sent a text and phone call from XXXX with XXXX XXXX XXXX  XXXX. I talked to XXXX and he claimed to have known my husbands credit score and told us that he had received our information from Transunion. I did get a call back number for him. The third caller claimed to have gotten our information from XXXX. I can give further details on the companies that contacted us. 

Our bank had never heard of any previous customer receiving phone calls like this and prompted us to file a complaint.
Product: Credit card

A payment was posted to my Chase Freedom account on XX/XX/year>. My balance due on the app reflected the payment until at least XX/XX/year>. In the intervening days I made significant personal and financial decisions based on the balance reflected on the app. Relying on the information provided on the app has caused me tremendous financial crisis, and immeasurable personal distress. 
Research of this problem shows that Chase Freedom knew on XX/XX/year> that the funds were not available, however I was led to believe that there wasnt a problem until 6 days later. 
Relying on the erroneous information shown on the app for 6 days has caused me significant financial loss. In addition to the financial burden of this situation, the emotional impact is immeasurable I want Chase Freedom to compensate me for the actual damages caused by their actions, additionally I want compensation in the amount equivalent to the emotional distress their deceptive practice has caused me. 
I want this concern escalated to the proper authorities and this deceptive practice stopped.
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 dispute 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. Thank you
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I submitted a complaint ( XXXX ) to XXXX XXXX XXXX XXXX ( XXXX XXXX, Regulatory Complaint Specialist responded ), Bernhardt and Strawser , P.A . ( XXXX XXXX XXXX responded ) to have a XXXX XXXX. account ending in XXXX removed from my credit file. Bernhardt and Strawser and XXXX XXXX Strawser filed a Motion for Summary Judgment against me on XX/XX/XXXX see Exhibit A. I went to a hearing on XX/XX/XXXX and the Arbitrator XXXX XXXX XXXX XXXX ruled that the Plaintiff ( XXXX XXXX XXXX XXXX ) was awarded nothing from the Defendant ( XXXX XXXX ) see Exhibit D. They could not validate that the account belonged to me. On XX/XX/XXXX Bernhardt and Strawser and XXXX stated that they was filing a motion with the Court that was never filed according to court documents. The Judge disposed-Final judgment No Trial..see Exhibit D. XXXX XXXX. refuses to remove this account from my credit file and it has caused me a XXXX Injury.
Product: Debt collection

I received a phone call and a voice mail message at XXXX CST from the debt collection agency and in the message they stated it was XXXX which was correct as the agency is EST. I called later in the day to speak to a representative regarding the bill and then Also called back and left a message asking for a call about the FDCPA violation and never received a call. By right I can peruse a claim for this violation.
Product: Credit reporting or other personal consumer reports

The early warnings of voliolation of US CODE Improper use of my credit report Credit report Agency Experian XXXX XXXX Codes thats violated my rights 15 USC 1681 ( A ) ( 2 ) ( I ) ( A ) ( B ) ( 3 ) 15 usc 1681 604 A section 2 15 usc 1666b A Dear credit bureau, I'm writing because my rights has been violated. In accordance with the fair credit reporting act, these creditors has unlawfully recklessly not investigated properly. These credit bureau knowing violated my privacy under title title 15U. SC1681. 604 a section 2 and also states, A consumer reporting agency can not furnish. An account without my XXXX instructions on the 15 USC 1666B.A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any reason I will appreciate a follow up as i continue to Clarify my file with the three credit bureaus and any other " person '' that has violated my rights, thank you look forward to hearing from you. 

Best regards,
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed that I have been a victim of identity theft. I found that my personal information on my report was incorrect on Experian Report number XXXX This has been hindering me from making a car purchase. Please remove the incorrect information from my credit report as soon as possible.
Product: Checking or savings account

On XXXX XX/XX/2023 I contacted citizens bank about my online account profile being locked. Customer rep. said that I will receive letter explaining the closure of account. In the meantime I didnot receive the letter so I contacted them on XXXX XX/XX/2023. They again said that I will receive letter in my mailbox. It has been 12 business days and I have not received any letter yet. Before that I deposited two checks and were confirmed to be cashed by the bank. I have any received any refund check yet as well.
Product: Payday loan, title loan, or personal loan

I WAS SICK IN THE HOSPITAL WITH XXXX  AND THEY REPORTED A LATE PAYMENT TO THE CREDIT BUREAUS ALL XXXX AND IT DROP ALL XXXX OF MY SCORES BAD I NEED THAT REMOVE I RECENTLY PAID OFF MOST OF THIS INSTALLMENT LOAN I NEED THE LATE PAYMENT REMOVED
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts has resulted in several fraudulent hard inquiries and identity theft with collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC identity Theft Criminal Complaint # as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

I received a letter from XXXX XXXX XXXX on XX/XX/2021 that said I owed a PayPal debt of {$3300.00}. I have never had a balance with PayPal or have owed them money. My credit report does not show this debt. The account number on the letter is XXXX. I do not owe this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX and XXXX XXXXXXXX XXXX has been sent letters and called numerous times about fraudulent activity that has been listed on my credit report. I have asked for verification paperwork and they will sometimes send stuff and sometimes it's limited. XXXX XXXX  XXXX and XXXX XXXX XXXXXXXX won't even talk about the accounts. Stating they sold them or another company is incharge of the account. I would like to speak to the company that originally stated I have a debt owed. I haven't signed contracts or anything with XXXX XXXXXXXX XXXX or any other company so I don't care if they sold it or not I don't have a contract with them. Also they sent paperwork once but could not produce a signature or video or anything to show that I started the accounts. 

The US Government was involved in a big case about my information and a few other people who information was stolen. It included our social security cards, drivers license etc. I even had money come up not going into my accounts due to the fraud situations. They was shopping and everything with my work check. I submitted information to the creditors but they still never investigated the incidents but instead stated it was verified. They keep asking for affidavits but if the federal government wasn't able to find the people involved why would I keep doing this. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX and XXXX XXXXXXXX XXXX violated the Electronic Fund Transfer Act ( EFTA ), 15 U.S.C. 1693 et seq., and the rules and regulations thereunder, the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the rules and regulations thereunder, Arkansas General Business Law because they state checks was deposited into my checking account. 

They are improperly holding me liable for the fraud on a account; failing to delete inaccurate, derogatory information from XXXX report ; and engaging in other misconduct. 

As a result of their failure to comply with its legal obligations and negative reporting of reporting to XXXX, I was forced to relocate across the country and was effectively forced out of the mainstream banking system. 


Defendant XXXX violated the FCRA and the rules and regulations thereunder, the Arkansas Fair Credit Reporting Act ( Arkansas General Business Law ) ( AR FCRA ), and state common law, by failing to properly reinvestigate my disputes of inaccurate, derogatory information on my XXXX report and by misreporting and failing to delete inaccurate information on my XXXX report, thus damaging my ability to open a bank account.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Date of Birth : XX/XX/XXXX SS # : XXXX To Whom It May Concern, Re : Request for removal of Unauthorized Addresses PLEASE EXPLAIN TO ME WHAT IS HAPPENING?!?! I RECENTLY OBTAINED A COPY OF MY CREDIT REPORT AND DISCOVERED THE FOLLOWING INFORMATION TO BE IN ERROR. 

1. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX 2. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX 3. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Employers : XXXX XXXX XXXX 6. The following personal information is incorrect Account Number : Employers : XXXX XXXX XXXX 7. The following personal information is incorrect Account Number : Employers : XXXX XXXX, it is a fact, that the affiant is aware, that this INACCURATE, ERRONEOUS, OBSELETE INFORMATION is unauthorized and has been furnished without my consent. There was no permissible purpose and is a violation of 15 U.S.Code 1681b ( c ) ( 1 ) ( A ) The following information below is the only information that is correct and accurate and is not related to one of the allowable purposes, as I have reiterated from The Fair Credit Reporting Act : This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

MY CORRECT INFORMATION IS AS FOLLOWS : My correct name is XXXX XXXX My correct address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX My correct birthdate is Date of Birth : XX/XX/XXXX I do not want my employer listed! 

There may be other individuals with a name the same as or similar to mine. Creditors may have entered my name incorrectly when requesting my credit report. Regardless, there are forms of my name and addresses that should not appear in my credit file. With the amount of identity theft happening now, I am concerned that someone could mistakenly identify me as someone else, even a person with a similar name to mine. Therefore, I am asking that you correct this information by removing any incorrect names and addresses and leaving only my correct name on my file, as stated above. 

I HAVE PROVIDED MY IDENTIFICATION CARD AND SOCIAL SECURITY CARD TO VERIFY MY IDENTITY AND CURRENT ADDRESS. PLEASE NOTIFY ANY CREDITORS WHO MAY BE REPORTING ANY UNAUTHORIZED PAST ACCOUNTS THAT ARE NOT IN CONNECTION WITH THE MENTIONED INFORMATION PROVIDED. 

Please CORRECT the information PER MY REQUEST and REMOVE THE INACCURATE FROM MY CREDIT REPORT AND SEND ME AN UPDATED COPY OF MY CREDIT REPORT TO THE ABOVE ADDRESS IMMEDIATELY!!! 

Please note that you have XXXX days to complete this investigation, as per the Fair Credit Reporting Act section 611. 

THANK YOU Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Unauthorized inquiries on my credit report with wrong names and addresses that do not belong to me.
Product: Credit card or prepaid card

As of the end of 2022, I've written two letters to headquarters. 
The letters requested an inquiry as to why my account was being charged cash advance interest, when there have been no cash advances in the account for the last 4 years. 
I have yet to receive a response nor has the erroneous interest charges ceased. 
Spoke a representative from the company and was advised that these erroneous charges occurred because vendors sometimes post purchases as cash advances, thus resulting in fraudulent cash advance interest charges. If the company is aware of this, why don't they correct it.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Bank account or service

SUBJECT ; MY FEDERAL SOCIAL SECURITY DIRECT DEPOSIT : AND MONIES DUE BY DIRECT DEPOSIT ON XXXX XXXX TO MY NEW BANK : ALLY BANK ACCOUNT NOW CANCELLED BY ME, AND ALSO ; PROHIBITING ALLY FROM " STEALING MY FEDERAL MONEY, MONEY TOMORROW WHICH ALLY BANK HAS BEEN PROHIBITED BY ME FROM ALLY RECEIVING THAT AUTHORIZATION. AND " STEALING '', FEDERAL MONIES NOT YET SENT TO THEM, AND THEY HAVE ACKNOWLEDGED THAT I CANCELLED THEIR ACCESS, NOR AUTHORITY BY ME TO RESTRICT ALLY AND BY AUTHORITY OF THE XXXX. THE FEDERAL SOCIAL SECURITY XXXX. I HAVE SENT A FORM XXXX ON XXXX XXXX WITH THE FEDERAL FORM SUBMITTED ON XXXX XXXX TO AUTHORIZE ANOTHER BANK TO BE PERMITTED/AUTHORIZED TO RECEIVE/DEPOSIT THESE MONIES. 
ALLY BANK : IN COMPLAINT XXXX CLAIMS THAT A COMPLAINT BY ME ABOUT A CHARGE ON MY ACCOUNT IS STILL IN PROCESS. THEIR LATEST E-MAIL, OF XXXX XXXX ADVISES THAT THIS COMPLANT ON A CHARGE ON MY ACCOUNT IS DECIDED BY THEM IS CORRECT AND FINISHED, AND I AGREE THAT IT IS FINISHED WITH THEM, WHILE I RESEARVE MY LEGAL RIGHT TO PURSUE THIS MATTER IN THE COURTS NOT ALLY BANK, ALLY HAS ASSESSED MY ACCOUNT ON THIS CHARGE. AND FINISHED THIER INVESTIGATION ON XXXX CHARGE. THEREFORE THIS MATTER IS CLOSED. I DO N'T CARE IF THEY KEEP THIS ACCOUNT OPEN DESPITE MY WRITTEN NOTICE OF CANCELLATION, MY COMPLAINT IS REGARDING MY FEDERAL SOCIAL SECURIITY MONIES THAT HAVE NOT YERT BEEN SENT TO ALLY BANK. THIS DIRECT DEPOSIT HAS BEEN RECINDED BY ME TO THEM AND ALL THE NECESSARY AND FEDERAL LEGAL FORMS PROHIBIT ALLY FROM STEALING MY FEDERAL MONIES ON XXXX XXXX. 

PLEASE HELP ME WITH THIS SOCIAL SECURITY MONIES THEY ARE TRYING TO STEAL WITH ADVISING THAT I CAN NOT CLOSE MY ACCOUNT WITH THEM. FORMS