23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, personal loan, or advance loan

There is a fraud account on my credit report- negatively affecting my credit XXXX points - I have no access to this account and I have contacted Grow Credit Inc with no progress in XXXX  days. It is a {$70.00} loan?! come on, who gets a loan for that small amount? Did they get it to buy dinner at outback steakhouse? Keeps coming back as accurate from XXXX. Not sure what to do about this... 

XXXX RESPONSE : INVESTIGATION RESULTS- VERIFIED AS ACCURATE and UPDATED : The disputed item ( s ) was verified as accurate ; however, other information has also changed.

We investigated the information you disputed and the disputed information was VERIFIED AS ACCURATE ; however, we updated : Historical Trended Data. Here is how this account appears on your credit report following our investigation. 

GROW CREDIT INC XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX
Product: Checking or savings account

I recently opened an account with Synchrony bank. I had my paycheck for the amount of XXXX deposited on XX/XX/year>. I then requested a transfer that same day of {$2000.00} to my XXXX financial institution by logging into my XXXX bank account thru Synchrony Banks online platform to link the accounts which went through and the transfer was submitted. Per the website it would take XXXX business days for the transfer to go through and was to be posted on XX/XX/year>. On XX/XX/year> i received an email from Synchrony bank advising that they needed to verify i was the primary account holder for XXXX banking institution ( both accounts have my legally listed name exactly the same ) and that they restricted access to all of my funds and in order to have it lifted i would have to do a XXXX way call with my bank. I then called proceeded to callback on XX/XX/year> and spoke to a represtative to have this completed and i was identified as the primary account holder of my XXXX bank and was assured the restrictions would be lifted in by XX/XX/year> and the transaction processed. On XX/XX/year> at XXXX XXXX XXXX i received another email from Synchrony Bank advising that the transaction was denied due them not being able to verify my account and that they where again restricting access to my account for the same transaction. I then proceeded to call and they advised this time that my XXXX bank had problems processing the transfer. I reached out to my XXXX bank and they advised the had no record of a pending transfer from Synchrony. I then followed up with synchrony and was told i would have to wait for the XXXX restriction to be lifted in order to resubmit the request again. As Synchrony is online only bank i now have no recourse to withdraw my money from the bank as they have not issued an debit card even though my account is funded, and every transfer I've initiated has caused my account to be restricted. This is causing great financial harm as i am not able to pay my bills and currently accruing late payment fees for my rent and car payments with no recourse from the bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX XXXX : XX/XX/XXXX RE : You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report.

As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also, we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission. 
XXXX XXXX XXXX XXXX : Account number : N/A, Please remove it from my credit report. I have no recollecon of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollecon of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollecon of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollecon of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX XXXX XXXX XXXX XXXX : Account number : N/A, Please remove it from my credit report. 
I have no recollecon of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX XXXX XXXX XXXX XXXX  : Account number : N/A, Please remove it from my credit report. I have no recollecon of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX XXXX XXXX XXXX XXXX  : Account number : N/A, Please remove it from my credit report. I have no recollecon of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX XXXX XXXX : Account number : N/A, Please remove it from my credit report. I have no recollecon of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX XXXX XXXX XXXX Account number : N/A, Please remove it from my credit report. I have no recollecon of authorizing this credit pull and I demand this to be removed. 



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

This is an complaint against Equifax. 
I have an XXXX XXXX XXXX XXXX XXXX XXXX XXXX She is XXXX XXXX XXXX XXXX XXXX XXXX. I have guardianship granted by probate court. I want to freeze my daughter 's credit to avoid any fraud in the future. 

I submitted the " XXXX Adult Security Freeze Request Form '' from Equifax on behalf of my daughter and attached all the requested documentation and sent through certified mail. 

I got a response back from Equifax stating as she does not have a credit file they could not freeze her credit. The credit freeze is for the future NOT past. According to the law she is eligible to have her credit frozen. 

I contacted Equifax through phone and they continue to maintain the stand that their software will not allow her credit to be frozen if she does not have any past credit. 

It is important to note that XXXX was able to freeze my daughter 's credit successfully. 

Please help us freeze her credit.
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  Account Number : XXXX Account Name : Untitled Account Number : XXXX and list of Inquiries. 


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: Credit reporting or other personal consumer reports

XXXX, our previous mortgage holder, sold our mortgage to XXXX. 

The last month of paid to XXXX for the mortgage was XX/XX/XXXX and the first month of mortgage paid to XXXX was in XXXX and even then they tried to charge us twice our normal mortgage cost because they couldn't figure out how to transition things properly. 

Recently XXXX gave me a year of Experian Security to monitor my credit after they got hacked and my personal info was leaked. 

According to Experian I have 2 real estate accounts open, my current mortgage holder XXXX and my old holder, XXXX but it shows the account is still open. 

I called XXXX on XX/XX/XXXX to tell them it still shows up on my credit report and that they need to close. They told me I have to write to Loan Care Attn : Credit Bureau Disputes XXXX XXXX XXXX XXXX  XXXX, Virginia XXXX And give them my previous loan number and/or address to have the account closed and taken off my credit report. 

It's ridiculous that a company should be allowed to handle something so vital to a person, their very home, when they could potentially damage their credit and can't even properly close accounts when selling/transitioning. 

Is this a company with stock holders? Are they reporting more accounts than they actually have? I question the ethics of this company and think their " negligence '' is actually intentional.
Product: Payday loan, title loan, personal loan, or advance loan

Additional products where added onto my loan that I did not authorize
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 3 fraudulent inquiries on my Transunion credit report that do not exist on the other credit reporters like XXXX and XXXX. These include : XXXX XXXX, XX/XX/2021 XXXX XXXX, XX/XX/2021 XXXX XXXX, XX/XX/2021 XXXX
Product: Credit reporting or other personal consumer reports

Navient inaccurately reporting XXXX XXXX XXXX  days late, XXXX XXXX XXXX days late Same Loans reflected good standings with Dept of Education XX/XX/year>, XX/XX/year> Disaster forbearance applied XX/XX/year> and Dept of education has no record of my loans being past due XXXX days
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 : Account number : XXXX Account Name : XXXX : Account number : XXXX Account Name : XXXX XXXX Account number XXXX Account Name : XXXX XXXX Account number : XXXX Account Name : XXXX Account number : XXXX Account Name : XXXX XXXX Account Name : XXXX XXXX XXXX XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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

Dear Wells Fargo Dispute Resolution Department, I am writing to formally dispute an unauthorized transaction involving the withdrawal of funds from my checking account ending in XXXX to pay off a business credit card account ending in XXXX, that was already closed and charged off last year .This action was taken without my authorization and in violation of the Truth in Lending Act ( TILA ), as well as any applicable state laws governing unfair or deceptive banking practices. 

On XX/XX/year>, I discovered my account which shouldve have $ XXXX {$14000.00} in it, was depleted overnight and was showing only {$1000.00}. After calling in rage and desperation, I was informed by XXXX in your XXXX XXXX  department, that Wells Fargo took the action of appropriating over {$12000.00} from my personal checking account to pay the balance on the credit card that in her own words, was closed and charged off about XXXX months prior. Again, Wells Fargo criminally stole from my checking account to satisfy a debt on the credit card, which was previously closed and charged off.
Product: Credit card

I have an XXXX XXXX ( serviced by Synchrony Bank ). The credit card was opened in XXXX of XXXX. I started using the card in XXXX and started earning rewards. I've been making payments on all monthly card balances. 
I've earned, to date a total of XXXX points from the rewards program associated with this card. This is from all the purchases I make on the card. I have never redeemed any points on this card and I just keep accumulating the points for the simple reason being that there is no viable way for me to redeem them! I've been on phone calls with both XXXX and the Synchrony bank department responsible for this card for hours at a time on several calls and each time, XXXX says I have to speak to Synchrony and Synchrony says I have to speak to XXXX because it's an XXXX problem. Basically, they say that the way to redeem the points is to pay for future XXXX purchases at the checkout on XXXX however there is NO way to pay with points when I checkout on XXXX. Many other consumers have expressed this on XXXX community chats with no viable way to redeem their rewards which in essence makes these rewards fraudulent advertising. The dollar value of my rewards is now > {$2000.00} and I still can't use any of it! I am requesting a statement credit for the dollar value of my rewards and Synchrony refuses to provide this option. Both XXXX and Synchrony blame each other and keep repeating the same thing when you talk to them, " just pay using points at XXXX checkout '' however that option just doesn't exist and it's not a web browser issue either.
Product: Mortgage

Carrington Mortgage Services is my current mortgage servicer. I normally pay this mortgage by the XXXX of each month. Over the past 6 months, I am getting debt collection calls during business hours on my cell phone asking when I will pay the mortgage. I am not 15 days past due on the mortgage. This is harassment to call me on my cell phone during business hours. I have asked them more than once to stop calling me unless there is a 30 day late. The account representative is extremely rude on the phone saying my payment is due on the first of the month and they will continue to call if I do not pay on the first of the month. I should not get debt collector calls like this. I was laid off during the pandemic from my job and unable to collect unemployment because I could not get through on the phone. I was out of work for three months. During this time Carrington Mortgage services offered NO assistance. They told me to apply for a loan modification and I submitted the paper work etc. I was able to make the payments and my mortgage is current now with no assistance from Carrington Mortgage Services. I asked if they would consider helping me with the credit reporting based on the fact that I could not get through to unemployment to get funds. They refused. I am working with a credit repair company now to get my credit scores back. This is very poor service. They are harassing me during working hours each month if I do not pay on the first of the month. How can I get these calls to stop?
Product: Credit card

Some one stilled my identity opens two credit cards under my name an American Express card and a XXXX XXXX card
Product: Vehicle loan or lease

I was shocked when reviewing my credit report and found a late payment on XX/XX/2018. 
I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Product: Mortgage

I have made the last two monthly payment via online banking. Ive paid the same way for years. Both payments were returned by the mortgage company. XXXX I paid on XXXX and it was returned the XXXX. XXXX I paid on XX/XX/XXXX and it was returned on XX/XX/XXXX. I tried to reach them by phone several times, but to no avail. Wait times to reach an employee are outrageous. I tried the online chat twice. I started the last chat on XXXX, they responded back but not to my satisfaction and then closed the chat! I then emailed them screenshots of my complaint is with my mortgage provider, mr cooper. my online banking showing the payments and the return of payments. They replied back that the payments were returned. I replied back that yes the were returned, That is why i am trying to talk about it with them. I havent done anything wrong, ive made payments the same way for years. The last response from them just stated my mortgage has not been paid since XXXX and all late fees are valid. I responded that i want to get current and am willing and able to pay but why should i be penalized with late fees and negative marks on my credit score. My best contacts are email XXXX or phone XXXX XXXX XXXX. Thank you
Product: Credit card or prepaid card

On Thursday, XX/XX/2021 I requested XXXX Credit Line to send {$1000.00} to me from my {$2300.00} Credit Line. This is because every time I went to use it. Instead of them taking money from the credit line Acct, they would remove money from my Personal Checking Acct in Navy Federal Credit Union ( XXXX ) Once I picked up the money from XXXX I was going straight to bank to deposit. When I arrived at XXXX, found out they would charge me {$9.00} for this transaction. Received the {$1000.00} and went right to Navy Federal to deposit. Once their, to my surprise {$1000.00} was Removed from my Personal Checking Account by XXXX, a XXXX Service Company XXXX. On XXXX Wednesday of month, my SS Check gets deposited. I immediately told the Bank Employees that they Took MY Personal Money From My Account which was needed for my Mortgage Company to do an Auto Pay on Monday, I was able to obtain a special program with them that decreased payments by {$200.00} each month. So I definitely didnt want that to be taken away. The Bank put the {$1000.00} back in2 my account temporarily while the Dispute was being investigated by them. After two months in XXXX the Bank notified me that they agreed with XXXX and Removed the monies from my account causing me to go into Overdraft. My Checking Account has been arrears every since that time, despite numerous visits into Bank and phone calls to their Customer Service Department. Ive made numerous calls to XXXX XXXX XXXX, XXXX who refer me to XXXX XXXX, who refer me back to XXXX XXXX. I attempted to pay on the Overdraft amounts as well as the Loan I have with Navy Federal. First month I paid {$150.00} towards it, and second month I paid {$50.00}. the third month, the bank than charged me fees and the balance was more than before I started paying on it. What happen to my {$200.00} I paid? Can you help me PLEASE?
Product: Debt collection

XXXX XXXX XXXX falsified all legalities and did so in a response letter. I seek all legal action to the highest. See attached response to myself and my wife as the letter is only addressed to her. All information from XXXX is fraud. My loan was identified in class action lawsuit Robinson versus Nationstar. At no point is this so called debt legal as Nationstar was found guilty of fraud. I seek see below ( statutory damages under the FDCPA and RESPA, and restitution damages and losses from XXXX XXXX XXXX for allegedly unlawfully profiting by acting as an unlicensed mortgage servicer. ) My wife is legal party of interest and legal owner of said property from Deed legally registered with Title insurance also containing both names dated XX/XX/XXXX. See attached response that clearly states " this is an attempt to collect a debt '' this matter was found fraud in court of law XX/XX/XXXX. 
This is now a criminal charge of fraud and identity theft
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvesting of disputed information on my credit report, leaving inaccurate or unverified accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer - provided evidence to furnishes, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes.These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing.I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian inaction violates federal law and my rights as a consumer
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Experian for dispute on my credit report, they were unable to locate my file.   I tried to dispute inquiries and credit that is not mine, but was unable because my file was up earlier showing me particial information then down showing me nothing and the company nothing even with a File number.
Product: Money transfer, virtual currency, or money service

On XX/XX/2024 I opened a brokerage and bank account with Robinhood Securities LLC., on XX/XX/XXXX I made a transfer in the amount of {$4900.00} From my external account to my Robinhood spend account with an avaliable date of XX/XX/2024. 

On XX/XX/2024 I received an email saying my Robinhood accounts had been restricted until I submitted documentation proving my identity, they requested a copy of my external bank account statement, a copy of my driver 's license, and a selfie of myself holding my driver 's license. 

On XX/XX/2024 I called Robinhood customer service to verify they had gotten my documentation, but Robinhood customer service preceded to asked me a series of questions that lead me to believe my account may have been compromised and at that point I requested the deactivation and closure of my account, and to be allowed to transfer my {$4900.00} that they were keeping me from accessing out of my Robinhood account and into my external account, the agent informed me due to the account restrictions this was not possible until the investigation was completed in 5-7 business days I could not. 

On XX/XX/XXXX I only received auto-generated email responses from Robinhood, so I proceeded to file complaints and request mediation and Arbitration from the following government agencies. 

XXXX SEC XXXX XXXX On XX/XX/XXXX I received an email saying Robinhood was closing out my account due to terms of service and my funds would be transferred to my external account but this could take up to 15 business days, when I received this email I immediately logged into my account to discover that without my permission or knowledge Robinhood transferred my {$4900.00} from my Robinhood spend account over to my Robinhood brokerage account, I believe to incur interest that they would earn and keep until they transferred the money to my external account. 


On XX/XX/XXXX I emailed Robinhood customer support informing them I had filled complaints with the listed above government agencies and sent them my letter for ARBITRATION. 

On XX/XX/XXXX Robinhood sent a email response saying they were reopening the investigation and it would be 2 business days before I would get an email with there final decision.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX of 2017 I opened up a dispute against capital one because the falsely added something to my credit report which took my credit down from XXXX to XXXX. My dispute was completed and they were found in the wrong, yet my credit score only when back up by one point. That needs to be fixed because that had nothing to do with me, it was XXXX XXXX mistake not mine and I should not be punished because they cant get their information together.