23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I AM STILL TRYING TO GET MY ASSETS OUT OF ROBINHOOD. THEY ARE STILL IGNORING ALL SUPPORT REQUESTS. FULL ACAT TRANSFER FAILS BECAUSE XXXX IS FRAUDULENTLY REPORTING CRYPTO ASSETS AS BROKERAGE ACCOUNT ASSETS. THIS IS RIDICULOUS AS CRYPTO ASSETS CAN NOT BE TRANSFERED OVER USD RAILS. CRYPTO ASSETS ONLY EXIST IN CRYPTO WALLETS AND ARE HELD BY A SEPARATE THAN THE BROKERAGE ACCOUNT LEGAL ENTITY THAT IS NOT FINRA LICENCED. THIS IS EVIDENCE THAT XXXX HAS COMMINGLED USER FUNDS, AND THE FACT THAT THEY ELECTED TO " END SUPPORT '' FOR MY ACCOUNT RIGHT AS IT IS TIME FOR THEM TO COVER THE SHORT POSITION THEY INITIATED AGAINST ME ( USING MY CAPITAL THAT THEY DEFAULTED ON ), AND THEN THEY ATTEMPTED TO COVER UP THE WRONGDOING IS GROUNDS FOR A CRIMINAL INVESTIGATION! IF YOU SELL ANY OF MY ASSETS IT IS FRAUD AS YOU ARE CLOSING OUT YOUR SHORT BY ENDING YOUR LIABILITY TO ME AT A FRAUDULENT PRICE THAT YOU MANIPULATED. I DO NOT WANT USD. YOU MUST HONOR MY POSITIONS, AND PAY ME THE XXXX THAT YOU DEFRAUDED ME OF. I WILL NOT ACCEPT ANY CHECK OR ANY USD SPOT PRICE ON ANY XXXX  DERIVATIVE INCLUDING XXXX XXXX AS IT IS FRAUDULENT. TRANSFER THE ASSETS OUT TO XXXX IMMEDIATELY! I DO NOT WANT YOU TO CUSTODY ANY OF MY ASSETS! AGAIN, THE SPOT PRICES ARE FRAUDULENT AND YOU ARE LIABLE IF YOU SELL ANYTHING AT THE FRAUDULENT PRICES. THEY ARE OFF BY MORE THAN AN ORDER OF MAGNITUDE DUE TO THE FRAUD. NEARLY 8 % OF ROBINHOOD SHARES WHERE PURCHASED WITH FUNDS EMBEZZLED FROM CREDITORS LIKE ME. ROBINHOOD OUGHT TO BE IN LIQUIDATION RIGHT NOW BUT THEY ARE BEING PROTECTED VIA THE FRAUDULENT BLOCKFI BANKRUPTCY TRIAL.
Product: Debt collection

I have been making private student loan payment to Navient for XXXX XXXX for several months, sending XXXX check to cover XXXX separate loans. They receive the check and it takes 10 days to process and post in their system ( I have mailed payments via priority mail and tracked to confirm receipt in their office ). They called me claiming my payment was late after it was already received, and I told them THIS WAS A VIOLATION OF FEDERAL LAW, since they already received my payment. I also sent written notification of same The next month, they received my payment and applied the entire payment on just XXXX loan, showing the XXXX other loans late/unpaid and charging late fees. There was no notification to me of a change in application of my payments, or I would have written XXXX checks, instead of a single check. 

They have also ceased sending email notices, so I did not become aware of the problem until the monthly statement came through the mail. 

This was all done in retaliation of my confronting them on the practice of receiving my payment and not applying it to my account for 7-10 days, WHICH VIOLATES FEDERAL LAW.
Product: Credit reporting or other personal consumer reports

This CFPB compliant has been filed to request pursuant to FCRA Section 611 ( 15 USC 1681i ), the method of verification for disputed information on a consumer 's credit report involves a " reinvestigation '' process where the consumer reporting agency must contact the original source of the information to verify its accuracy, and if the dispute is valid, update the consumer 's report accordingly, including the option to delete the disputed information XXXX {$380.00} XX/XX/year> These credit accounts are the results of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a serious situation with Experian regarding the following : I contacted them on several occasions and got either no help, they didnt understand what I meant when I explained in detail, they told me things that were not correct about my account, transferred me but didnt say what type of department I was being transferred to. I someone based on all of the screen shots could log in which is one serious issues as you will see from my emails I sent to them. I started a dispute and it logged me out and then started over but there is a character limit so they cant read what all I wrote in addition to continuing to email me saying new information is a available now and to log in well either I log in and says I have an account or gives errors and if you see the PW reset I cant even believe thats what it says. I have tried every avenue, I even left a message with 2 people in their regional offices two weeks ago and not even a call back from either to say something such as XXXX, here is where I can direct you, we are happy to help etc. this is a mess and so many issues its hard to write them all but also I asked point blank to send me something or send XXXX XXXX XXXX who declined me and in approx 19 years ( 6 vehicles leased back to back which is considered a loyalty customer still declined me ). My lease was up XX/XX/XXXX and I know nothing other then to do what Ive done for my last repeat leased vehicles but schedule my vehicle inspection, turn in and release. Well now I will have no car, have to pay out of pocket for the disposition fees, and whatever else versus those being waved. XXXX was gracious enough to extend my lease for me for 2 months to help me work on my credit as there are items that are wrong. I successfully was able to dispute a medical bill in collections that never should have been in collections with XXXX and yet Experian still has it and reporting it. This is not right when I have done all I can and have spent a month on this daily. They claim all of these things and give wrong information and pawn you off on others because say they dont know why I cant log in. Well I could and they even mailed me my credit report which is so long and so negative and wrong items but yet I cant dispute other then the one I started and instead of coming back and saying they cant read or understand it because it allowed me to only give like 3 sentences they started a dispute and apparently its complete but I cant see the results. I just need to attach please what I sent to them as I think that will sum it up. Thank you so much
Product: Debt collection

XX/XX/21 I dispute items on my credit report that doesnt belong to me. I submitted it to each credit bureau asking them for more information on the alleged accounts. No information has been sent. I sent out another letter to follow up to this day I have no information on how these got on my credit report or how they would delete them.As a consumer I dispute these things and Im due a response within 30 days its been well over 45 days with yet no response.
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. 


XXXXXXXX XXXX XXXX - {$1500.00} -HAS VIOLATED MY RIGHTS! 


INQUIRIES : XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/2022- HAS VIOLATED MY RIGHTS! 
XXXX XXXX XX/XX/2022 - 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Despite my persistent attempts, I have yet to see any resolution regarding these issues. Enclosed is a copy of the letter I previously sent to the credit bureaus. Your firm 's response dismissed my request for verification of erroneous items on my report as " frivolous '' or " irrelevant. '' I want to emphasize the seriousness of this matter to me. If you choose to disregard my original request, which was sent via certified mail, I will not hesitate to escalate the matter to the Federal Trade Commission. I strongly urge you to conduct a thorough review of the following information and provide evidence supporting the alleged item, such as a contract, note, or any document bearing my signature. Failure to provide such evidence will leave me with no option but to demand the immediate removal of these items from my report.
Product: Money transfer, virtual currency, or money service

On XXXX  we have conducted the payment in the amount of XXXX USD from my account with XXXX to account of XXXX XXXX opened with XXXX XXXX XXXX  . JP Morgan Chase Bank was an intermediary bank in this chain. On XXXX XXXX, XXXX  XXXX was designated under the XXXX XXXX XXXX. Considering this, my payment was blocked by intermediary bank on XXXX. 
On XXXX I applied to XXXX for a license to unblock my funds. On XXXX  we have received license XXXX XXXX : authorizing JP Morgan Chase Bank to return the funds to the originator. 
On XXXX we tried to contact JP Morgan Chase Bank via XXXX from XXXX XXXX  informing them on the fact of issuance of the above mentioned license and asking them to release the transfer to Beneficiary PRODUCTORES XXXX XXXX XXXX, XXXX. Still, JP Morgan Chase Bank has not responded. Thus, the transfer is still processed in accordance with the original payment even having the license authorizing it.
Product: Credit reporting, credit repair services, or other personal consumer reports

For months have tried to dispute with TransUnion & XXXX XXXX agency to investigate the collection account on my credit report. I have asked for billing statements, payment history, signed documents, etc. of payday loan. No response has been received from Collection agency ( XXXX ) other than a sending settlement payment arrangement and no response from TransUnion, other than " was previously investigated '' letter. According the Fair Credit Reporting Act, I am due a full investigation, proof of such, and correct reporting on my credit files. I have asked for this item to be removed from my credit report because it is frivolous and can not be validated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted this complaint to update this suspicious information. 3 Credit Bureau must validate these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit card or prepaid card

Fraudulent negative Bank of America credit card account reported in my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX  XXXX Balance : {$27000.00}XXXX XXXX XXXX XXXX Balance : {$400.00}
Product: Credit reporting or other personal consumer reports

I requested my 1099C form to file for gross income because it has been written off as a charge off and have not received it. Also On my credit report it also reads charge off from mayXX/XX/XXXX - XX/XX/XXXX, repeatedly. They are reaging my account.
Product: Mortgage

We paid our mortgage in full on XX/XX/2019. GA statute 44-14-3, Guild is liable to us for failure to Cancel the security deed within 60 days of full payment. As of XX/XX/2019, Guild mortgage had not provided us with copy of security deed cancellation, so I proceeded to send them a demand letter requesting {$500.00} as provided by the same state law.

Guild mortgage refuses to acknowledge and to execute GA law citing that because Guild sent to the clerk on day 58 of 60, they are in compliance with state law. I keep insisting that the 60 days was all the time Guild have to provided to grantor ( us ) with a cancellation of the debt after full payment of the mortgage. 

Your prompt assistance is appreciated!
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax must remove the following accounts per my written instructions ( see attached for further explanation ) due to the failure to perform their grave responsibilities with multiple reinvestigations. Please be advised, consumer reporting is voluntary and in accordance to the written instructions by the consumer whom it relates. ACCOUNTS TO DELETE : 1. XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - XXXX Reason : Deceptive, inaccuracies and time-barred debt. XXXX reported open date of XX/XX/XXXX, but claims theyre not the creditor and acting as a debt collector AFTER the alleged XX/XX/XXXX charge off account was transferred to them. XXXX, also, owns XXXX XXXX, who is the alleged creditor company. This is deceptive practices. NY statute of limitations has expired for this alleged debt and I do not owe.. 
Action : Delete account. 

2. XXXX XXXX XXXX XX/XX/XXXX XXXX - Reason : Time-Barred Debt and Cease to desist ( XX/XX/XXXX ) ALL communications to third parties and collection efforts. XXXX XXXX XXXX was issued a demand to cease to desist ALL contact, direct or indirect, which included communication to third parties via medium, and collection efforts. XXXX XXXX XXXX has failed to comply and knowingly incurring multiple violations daily. As you see in the attached correspondence, this company, proudly, does not follow federal laws and makes up their own rules. This account is demanded as part of the cease to desist to be deleted! A debt collector, who reports to consumer reporting agencies, still constitutes as an attempt to collect a debt! NY statute of limitations has expired for this alleged debt and I do not owe. 
Action : Delete account. 

Please see attached supported documents.
Product: Mortgage

This is in reference to my original CFPB case number XXXX with mortgage company Homebridge Financial Services , Inc. My attorney sent a letter to the mortgage company in reference to them not paying my property taxes when they are were holding my tax escrow. After they received the letter from my attorney Homebridge Financial Services , Inc. sold my mortgage to XXXXXXXX XXXX and now I am not able to get to them since I no longer have a valid loan number with them. Homebridge Financial Services , Inc. took a payment for XXXX and that is when my loan was transferred to XXXXXXXX XXXX. Now I am late with the new mortgage lender XXXXXXXX XXXX because the Homebridge Financial Services , Inc. will not send me my refund for the mortgage payment that they took from me for XXXX and I need to send that same money to the new company. In additional to everything that has happened I feel I have been discriminated on because of my accent. I have asked to speak with someone in their compliance department or even a supervisor and the representatives refuse to escalate my call and they pretend to not hear me because of my accent. I have been mistreated and the representatives have been rude and disrespectful in every single interaction.
Product: Checking or savings account

Citi bank closed and blocked my checking account XXXX XXXX they said the account was compromised. My daughters social security check was sent by mistake to Citi on XXXX XXXX and Citi bank accepted the deposit even though the account had been closed and per their policy the account couldnt receive incoming funds nor outgoing funds. I called Citi bank XX/XX/XXXX when I received a notice from Citi showing a deposit in the amount of {$1200.00} in the closed account. I called Citi and tried to explain that the check should had never been deposited it should had been returned to the Federal Reserve bank. I have been trying to get them to send me my money for 13 days now. My daughter and I live off of social security XXXX and this is the only income we have, now that they refuse to pay us, all my bills are past due with late fees and disconnection notices on my utilities. I have tried to explain this to Citi bank and my pleads have gone on deaf ears. The customer service representative are rude and hang up on me constantly, I have been patient and Ive never been rude with these people, and all I get is the run around.
Product: Credit reporting or other personal consumer reports

I am upset because XXXX, XXXX, and Experian continue to report chargeoffs on my consumer report that is considered income per the IRS. CONSUMER REPORTS ARE NOT SUPPOSED TO REPORT INCOME, per FCRA. ITS the law!

Per IRS Publication 4681, Cat. No. 51508F " Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return. '' XXXX, XXXX, and Experian continue to report this inaccurate information, which is a clear violation of Law 15 USC 1681 s-2 of their responsibilities as furnishers of information. 

They have caused me and My family suffered severe harm due to their negligence and inaccurate reporting. 

I emailed the CEO of the creditors and received calls back from their collection departments, who all said the same thing : they have written the debts off. its up to me to follow up with the consumer reporting agencies and IRS.
Product: Debt collection

I had taken a loan from XXXX XXXX XXXX around XXXX. This loan was discharged in XXXX XXXX bankruptcy. The company ( XXXX XXXX ) also received proceeds from the bankruptcy. They then sold the loan to Plaza Services , LLC and they attempted to collect on the debt. I notified them server times that the loan was discharged in bankruptcy. I provided the bankruptcy case number with every interaction I had with them. I then just received notification from XXXX XXXX XXXX agency that Plaza Services hired them to now attempt to collect on discharged debt. I also provided them with the bankruptcy case number. I then attempted to contact Plaza Services also on XX/XX/2024 and was unable to speak with anyone. I also called XXXX XXXX to attempt to contact their corporate offices and was informed that they no longer have the loan with them because it was sold to Plaza Services.
Product: Credit card or prepaid card

The CFPB has jurisdiction over this matter because it concerns Unfair Deceptive and Misleading Practices ( UDAAP ). I am an employee of a business that applied for a BUSINESS credit card using my social security number with Discover, and this card was approved with the understanding that it does not report to my personal credit. It is industry standard that a business credit card does not report to an individual 's personal credit report. 

If i wanted a card that reported to my personal credit, I would have applied for a personal credit card not a business one.

However, I was shocked to find out that this business credit card was reporting to my personal credit report as of XX/XX/2019. I never consented to this, as these business purchases have nothing to do with my personal life, and are now causing me harm in being denied a mortgage because of the small credit limit and recency of the account. 

I would have NEVER consented to having a business credit card report to my personal credit report. Discover is playing a bait and switch game with its consumers.
Product: Vehicle loan or lease

TO WHOM IT MAY CONCERN PLEASE DISPUTE MY CREDITOR NAME OF CREDIT ACCEPTANCE CROP. AUTO BROKER AND XXXX XXXX FORCED ME SIGEN FOR PURCHASED. I NOT WANT TO SIGN. THERE MESSY NOW. XXXX XXXX RIP OFF MY CREDIT. HE TOOK VEHCILE AND MOVING IN MINNESOTA. HE PLAY ALLMY MIND BECAUSE OF IM XXXX XXXX XXXX. HE JUST USED MY CREDIT THEN TOOK VEHCILE. HE MAKE MY CREDIT BAD. I WANT REMOVE OFF MY NAME. SO HE HAVE TO REFIANCE LOAN AUTO BY HIMSELF. HE DONT HAVE A JOB. HE COULDNT PAYMENT NOTE VEHICLE. ACCOUNT NUMBER # XXXX AT CREDIT ACCEPTANCE XXXX XXXX XXXX XXXX XXXX, MI XXXX
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the one mentioned stated below : My full name is : XXXX XXXX XXXX My correct date of birth : XX/XX/year> My correct Social Security number:XXXX  My correct address isXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX My employer is : XXXX XXXX  Please correct this typographical information immediately as it portrays me as a person engaging in fraudulent behavior. Also please delete all telephone numbers that appear in my credit report, as I have been a victim of robo-calls. 
Please not that I have opted out in writing to your forced arbitration terms and am willing to seek legal relief.

Under Section 611 of the FCRA ( Fair Credit Reporting Act ), I expect you to delete these negative accounts and provide me with an updated report within 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I have sent numerous letters certified mail to the credit bureaus XXXX was the latest attempt to remove these fraudulent accounts. Under 15 USC section 1681i of the Fair Credit Reporting Act of 1970, I demand the following items to be deleted after an improper investigation that they conducted. Under section 609, the credit bureau did not on my Federal Police Report not any original documentation with my signature. That is a violation under the law and has caused personal injury to me. 
I have never lived at the address that are on my credit report and I have sent the credit bureau several letters with proof. I have always lived at XXXX XXXXXXXX XXXX  XXXX XXXX, never at any other address on my credit report. I have attached a copy of my DL, Bill for proof once again. I dont know why the credit bureau is so consistent with causing harm to my person and financial obligations by reporting information and accounts that do not belong to me even after there were sent the Federal Police Report of proof of my identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX are reporting incorreclty that I am ( 90 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.