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

I have received my credit report and there is fraudulent accounts being reported on my profile from XXXX XXXX, XXXX and Experian XXXX XXXX XXXX Date XX/XX/2022 XXXX XXXX  Date XX/XX/2022 XXXX XXXX XXXX Date XX/XX/2022 XXXX XXXX XXXXXXXX Date XX/XX/2022 XXXX XXXX XXXX XXXX Date XX/XX/20XXXX XXXX Date XX/XX/202XXXX XXXX XXXX XXXX Date XX/XX/202XXXX XXXX XXXX XXXX Date XX/XX/2022 XXXX XXXXXXXX XXXX  Date XX/XX/202XXXX XXXX XXXX XXXX Date XX/XX/2022 XXXX XXXX XXXX  Date XX/XX/2022 XXXXXXXX XXXX Date XX/XX/2022 XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX  XXXX
Product: Debt collection

I am writing to dispute the following information in my file. 
This account is grossly inaccurate. FIRST INVESTORS HAS BEEN PLACED ON NOTICE FOR SEVERAL TIMES FOR CONTINOUSLY PROVIDING INACCURTE ACCOUNT DATA YET HAS CONTINUED TO REPEAT VIOLATIONS AFTER LITIGATION INVESTGATION CONCLUDED & FINED. REQUEST FOR IMMEDIATE REMOVAL OF DEROGATORY INFORMATION AT ONCE. FISC LIST MULTIPLE INACCURATE PAYMENT DATES, ERRONOUS BALANCES, INFLATED INTREST & DUPLICATED FEES. FAILURE TO COMPLETE PROPER INVESTIGATION AND PROVIDE ACCURATE HISTORY OF PAYMENT RECORD WITH TIME STAMPED ENTRY OF RECEIPTS. LITGATION & COMPLAINTS PROCEEDED DEMAND FOR COMPLIANCE OF FCRA. 
This company has shamelessly shown for years the FCRA does not apply to them and should be held in contempt as they continue to take advantage of subprime customers who have had limited opportunity based on inaccurate scoring in which companies such as XXXX contribute to and prey on. 

Enclosed is a copy of the lawsuit confirming the ruling and fine of this company for knowingly providing inaccurate misleading account information. Even after being litigated against this company continues victimize customers by damaging their credit scores, implicating unjustified excessive fees and interest while creating emotional distress. I have also included their most recent dispute investigation results provided to XXXX showing discrepancies in balance, payment amount and date of which is being reported to XXXX and what is actually conveyed to the consumer. I ask that you take a stance against this company and hold them accountable to act in accordance with the law. Please delete the disputed item immediately to prevent further damage
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.

Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : DPT EDXXXX XXXX Account Name : XXXX # XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX # XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX # XXXX 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: Checking or savings account

I have been charged with overdraft and insufficient fund fee of {$34.00} by Chase bank 9 times in 20 days, recently I had enough money in the account to cover for 3 transactions ( {$370.00}, {$100.00} & {$30.00} ) and these transaction took place on Saturday but the bank due to the weekend shows them as pending transactions, I even received a text on my cell that transaction of {$370.00} was submitted to my account on Monday before they made a change.

Then after 3 days on Tuesday morning around 2 am a 4th transaction of {$760.00} hits the bank account and within 6 hours Chase bank rearranges the time and date of transaction and charges me with 4 insufficient fee 's of {$34.00} dollars for every transaction.

This is not the first time they have done this illegal act, in fact in last 4 months chance bank has charged me more than dozen of insufficient fee 's and every time I called to get explaination they denied wrong doing and said they have the right to charge as many fee 's they can.

I took snap shot of my bank account screen just to provide them with a proof of wrong doing but Chase bank representatives refused to even look at proof I
Product: Credit reporting or other personal consumer reports

Several hard inquiries were placed on my credit report without my authorization. These inquiries occurred between XX/XX/XXXX, and XX/XX/XXXX. I did not apply for any credit or give consent for these checks. I have not taken any recent action that would warrant these inquiries and am requesting an investigation to validate and remove them if found to be unauthorized.
Product: Credit reporting or other personal consumer reports

I never did any business with the companies I have listed below, the inquires are unauthorized by me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I contacted Certegy Check Services today to place a security freeze on my consumer account. The first representative ( XXXX ) stated that I am not able to freeze my consumer report with them ( Certegy ). I tried to explain my rights as a consumer under the Fair Credit Reporting Act ; she continued to talk over me, and stated that Certegy does place security freezes on consumer accounts. I requested a supervisor. The person that came to the phone ( XXXX ) explained that she was not a supervisor, but in fact a " senior rep '' and would not connect me to a supervisor. I again asked XXXX the process/steps to place a security freeze on my account. She stated that the company does not honor security freezes because they are not a major credit bureau. I advised that they are a consumer reporting agency bound by the same Federal laws/Fair Credit Reporting Act and that I have a right to place a security freeze on my report. XXXX became extremely defensive, aggressive, and argumentative. She stated, " don't call her telling her about Federal laws or the Fair Credit Reporting Act. She is not in violation of anything ''. I asked to speak with someone else, or give me a number, or correct address for the consumer security freeze and she stated that I can not freeze my information and that their company does not do it. I asked her for the information again or I was going to file a complaint against the company. She did not care and refused the service again.
Product: Credit card or prepaid card

On XX/XX/18 I checked the balance on my XXXX XXXX Debit Card and it was substantialy less than I thought it should be. After a customer service representative went over the recent transactions I started the dispute process with them. The most recent charges were to XXXX so I called them and they were able to trace my card to an account that was not mine. I filled out the papert XXXX XXXX sent and yesterday got a letter indicating they found no fraud. Clearly they didnt even investigate. I again contacted XXXX who has provided me a letter that these charges were not made by me. I called XXXX XXXX and was told their decision was final and the claim would not be reopened. This is ridiculous! There are other charges to other companies that I am sure were probably made by the same individual. I have filed a police report but they arent doing anything because XXXX XXXX says the charges were not fraudulent.
Product: Credit card

During a flight on Frontier there was a promotional offer of 0 % interest for the first 15 months of opening the account. Plus additional XXXX bonus miles. I have excellent credit and fly often so I thought it was not a bad idea to get the cars for these promotions. I got the card in XX/XX/2023. The first problem was I was not receiving statements and I had wondered about how to go about getting the bonus miles. I called into the number on the back of the card which also is hard to navigate through their auto reply system which hung up on me many times. After getting through a rep explained to me that in order to get the bonus miles I needed to pay an annual fee which I did pay her that day and I asked if everything was okay on the account otherwise and that I was getting a 0 % promotional interest rate for the next 15 months but now it would be about 13 since the card was opened a few months prior. She said yes you do have the 0 % promotion on the card and everything was good to go bc I was on auto payment. I also requested to have my statements mailed because I can not see my charges and she said she would set that up. Months later I called in because I still was not receiving statements and could not see what I was being charged. The rep which I was on the phone with for about 2 hours in XXXX told me that I was actually being charged am insane amount of interest which was over 20 % for months now and it was around {$1200.00} in total so we went back and forth about it and he said he needed to have time to review my phone calls with the previous reps in order to refund the interest being charged to be but that he would call me back on XXXX XXXX between the hours of XXXX XXXX XXXX and we would go over the details but that in the meantime he could stop the interest being charged if I could pay the card off. I paid him the {$12000.00} that day on the spot and he talked me out of closing the card because he was going to help me with getting the interest credited back to me after he listened to the previous calls so I gave him the chance to fix this. I believe his name was XXXX. I never got a call back from him but he did turn my mail statements on so that I could see they once again charged {$290.00} after I just paid all that money to pay the card off and he told me he was going to make sure my account was corrected. So now I am still getting the run around at getting this card straightened out and getting the interest back when all along I was being told it was 0 % for 15 months. Please help me get to the bottom of this. They are probably taking advantage of other consumers also. It also is very sneaky to set up a person on auto pay and to not send them statements for them to review. My amount of interest so far in XX/XX/2023 is {$1200.00} which is supposed to be {$0.00} for the first 15 months. Not to mention all the hours I have lost due to being on the phone with them to fix this and get the run around.
Product: Credit card or prepaid card

Comenity Bank holds both my XXXX and XXXX cards. I have made 6 calls starting on XX/XX/25 to get them to send me a letter showing a XXXX balance on my account for my Mortgage Lender. 
They said it would be posted immediately on my Secure Message Center on my account page. It does not show up on either account nor have I received a mail copy. 

They also have not updated my credit report to show a XXXX balance.
Product: Mortgage

On XXXX XXXX XXXX started blocking access to my account with a pop-up ad, that can't be defeated without clicking on it. Clicking ANYWHERE on an ad can download a virus. Mr Cooper is a mortgage servicing company, and should not be allowed to force customers to take such a risk, just to use their services. I did NOT select Mr Cooper as a loan servicer, but my mortgage was 'sold ' to them by the company I selected. 
I contacted Mr Cooper via chat, and then with a phone call, but still can not access my account without interacting with their pop-up ad. 
I wanted to change the date of my auto-pay, because I'm not sure I will have enough money to pay it on the first ( tomorrow ). 
Their solution is to mail me a form that I can fill out and return via USPS. Not a lot of help for making a change tomorrow. 
NO financial company should be allowed to force customers to interact with dangerous Pop-up ads just to gain access to their account!
Product: Credit card

Prior to signing up for the Marriott Chase Premium credit card, I spoke with a customer service representative to discuss the terms and conditions of the credit card. I was told on the call that the {$85.00} annual fee would be waived the first year. Upon reviewing my statement, I was charged {$85.00} for the annual fee on XX/XX/2016. This is approximately 1 month after receiving the card. I call customer service again and spoke with a supervisor who told me that i was given the incorrect information and that the annual fee is required and not waived. I told them that i was misled and they said there is nothing that they can do about it.
Product: Credit reporting or other personal consumer reports

I am writing to officially report multiple unauthorized credit inquiries that appear on my credit report from the credit reporting agencies Experian and XXXX. I did not authorize any of these inquiries, and I believe that they might have been conducted without my consent or knowledge. 

The unauthorized credit inquiries are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023from XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/2023 from Experian To reiterate, none of these inquiries were authorized by me, and I never submitted any application or request that would have warranted these hard pulls on my credit report. Such inquiries not only impact my credit score but also make me concerned about the potential misuse of my personal information or identity theft. 

I have taken the proactive step of reaching out to each of the above-listed companies and institutions to clarify the situation and understand the basis of these unauthorized inquiries. However, as I await their respective responses, I believe it's imperative to notify the Consumer Financial Protection Bureau ( CFPB ) to ensure the integrity of my credit report and to prevent potential fraudulent activities in the future. 

Given the above, I respectfully request the CFPB to undertake the following actions : XXXX. **Investigation : ** Please conduct a thorough investigation into the unauthorized inquiries listed above. I am keen to understand how and why these inquiries were made without my explicit consent. 

XXXX. **Removal of Inquiries : ** Once the investigation confirms that these inquiries were unauthorized, I urge the CFPB to facilitate their removal from my credit report promptly. Such unauthorized inquiries can adversely affect my credit score, which can have broader ramifications for my financial well-being.

3. **Identity Theft Safeguards : ** I would appreciate guidance from the CFPB regarding additional steps I can take to protect myself from potential identity theft or any other fraudulent activities that may arise from this situation. 

XXXX. **Notification to Credit Reporting Agencies : ** I kindly request the CFPB to notify the relevant credit reporting agencies ( Experian and XXXX XXXX about this matter, urging them to rectify any inaccuracies resulting from these unauthorized inquiries. 

In conclusion, while I understand that credit inquiries are a standard part of financial processes, it is deeply unsettling to find unauthorized ones on my credit report. I trust the CFPB 's commitment to safeguarding consumers ' rights and ensuring the accuracy and integrity of credit reports. Your immediate attention to this matter will be highly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am requesting this myself for you to take necessary action about the errors being reported on my Equifax Report. I am so baffled about this situation. I am not connected to any credit company or any of its kind. I have been reaching out to Equifax, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. They have provided ZERO VERIFIABLE PROOF. You are XXXX XXXX XXXX! You claimed that you verified these items but provided no documents. I haven't heard any response from Equifax and it made me lose my patience. They have violated Sections 605B and is also in breach of Sections 616 & 617 for willfully non complying and neglecting to adhere to the rules and laws of the FCRA. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the items they should DELETE from my file : XXXX XXXX, XXXX XXXX XXXX Date Opened : XX/XX/2014 Balance : {$10000.00}
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , inc ) due to inadequate customer service and unfair practices, which violates 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 Regulations E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit card

On XX/XX/year> I went to get a haircut that was supposed to be {$25.00}. Instead they tried to charge {$2000.00} and {$250.00} on two separate occasions. I did NOT sign for these as I saw they were wrong and trying to scam me. I refused to give them the card again. The {$2500.00} was refunded, but the {$250.00} was not. I told CapitalOne about this issue and spoke with superviser XXXX  ( or XXXX, it was a women ) and was told I needed receipts. I was NOT given a receipt. When trying to grab the receipt they did not let me have it. The whole situation was uncomfortable. I was told {$20.00} cash would be fine for the haircut. I went to my car and grabbed {$20.00} and was told that everything was fine. No receipt was given. CapitalOne is saying I need to go to this dangerous place for a receipt that DOES NOT exist. If it does exist they will not give it to me and I have called many times and asked. Im just told that its refunded. CapitalOne is saying there no proof that I paid for my {$25.00} haircut and is making me pay this fraudulent/illegal charge. They have not even given the company that scammed me a call. Capital One is siding with the fraudulent charges
Product: Credit card

I opened a XXXX Rewards credit card in XXXX XXXX, issued by Comenity Bank XXXX XXXX XXXX. After trouble accessing account information and poor customer service, I closed the account and paid the only statement that I received. Since that time I have received many collection calls, sometimes daily, demanding payment for an alleged debt of {$44.00}. I requested a copy of my statement showing what I owed. I was told it could not be provided. After several requests, including calling customer service, I could not determine what the charges were for. 

Since this time a derogatory rating has been placed on my credit report. Despite multiple attempts to validate the debt, no proof has been provided. Attempting to contact customer service for this issue has resulted in " we can't do that '' and " it's out of our hands '' and no other remedy has been provided.
Product: Debt collection

In protest, I paid a fraudulent " speed-trap '' fine of {$350.00} imposed by the XXXX County Colorado Court, XXXX XXXX XXXX, Judge. The fine was for a false police radar claim of 44 mph in a 30 mph zone in XXXX XXXX, Colorado. I was travelling 29 mph at the time, but the police radar unit was operated in an RFI ( radio frequency interference ) -zone created by six large neon-type casino billboards located in the narrow valley of XXXX XXXX. The XXXX County Court lied to me about my hearing date so I would not be aware of my appeal date and accepted the false police radar reading as correct ... and imposed a default judgement. 

Since I appealed the above default judgement and delayed payment of my fine, Judge XXXX ordered the cancellation of my Colorado Drivers License and employed the collection form of Linebarger Goggan Blair & Sampson, LLP to collect my fraudulent fine. Since I must travel for work, I was forced to pay the above said fraudulent fine that included court costs, and I did so with a certified bank check, from XXXX XXXX. Linebarger reported to me that they received this check on XX/XX/XXXX but placed a 14-day hold on the check as if it were a personal check. On XX/XX/XXXX, the Clerk of the XXXX County Court advised me that they still had not received any of my fine due to them from Linebarger. In checking with Linebarger that same day, they advised they sent a check to said Court by " snail-mail '' on XX/XX/XXXX. I assume the Court may receive this check on XX/XX/XXXX so the Court can order the Colorado DMV to reinstate my Colorado Drivers License by the following week. 

I object to Linebarger 's collection of fraudulent debt, but this may not be corrected in any way. The error in question is Linebarger 's placing a 14-day hold on my certified bank check as if it were a personal check. This delay cost me time, money, forced changes in my classified training schedule, and added delays in my completing training materials all due to my not having my Colorado Drivers Licence promptly restored. My total damages directly caused by Linebarger 's error are {$750.00}. 

XXXX. For background purposes, I am a former XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX personnel in various parts of the U.S. Linebarger 's above said error acted to delay my travels at least 2-weeks. To confirm my special operations  background, please see the study entitled " XXXX XXXX XXXX ... XXXX XXXX, '' as posted on XXXX ... or check with XXXX.
Product: Credit card

Purchased a new XXXX cadet mower in XXXX. Purchased from tractor supply. Low interest and XXXX $ per month advertised. Citi bank backs this card. Every month Citi charges a late fee and states I owe more than the XXXX XXXX I've got XXXX $ in late fees that are contrary to my contract with tractor supply. 

I've tried talking to Citi bank, they won't listen. 

This is a legal violation of a binding contract with tractor supply.
Product: Credit reporting or other personal consumer reports

My name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX : XXXX S.S.I : XXXX This is the information they should on me instead of 2 wrong S.S.I # 'S AND ADRESS I'VE NEVER LIVED ITS BEEN HAD MY SCORE DRAGGING SLOWLY I'VE STARTED A BUSINESS ABOUT 3YRS AGO AND CANT GET DECENT FUNDING OFFERS SO I FINALLY CHECKED AND THE TAX SAID THAT'S MOSTLY MY PROBLEM PLEASE HELP WITH THIS ON ALL 3 CREDIT BUREAUS ARTICLE 15. USC 1611