23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am submitting this formal complaint regarding inaccurate and unfair credit reporting practices by Danco Financial Inc concerning an auto loan account.

The issue stems from the creditors failure to update or remove the account after issuing a 1099-C ( Cancellation of Debt ) for the tax year XXXX Despite my efforts to resolve this matter directly with the creditor and through disputes with the credit bureaus, the issue remains unresolved. 

Specifically, I believe the following violations may have occurred : Failure to accurately report the status of a debt that has been canceled or written off. 
Potential violation of the Fair Credit Reporting Act ( FCRA ) regarding the accuracy and timeliness of reported information. 
To resolve this issue, I am requesting that Danco Financial be required to remove this inaccurate information from my credit reports with all major credit bureaus ( XXXX, XXXX, and XXXX ). 

I am providing the following supporting documentation for your review : XXXXopy of the 1099-C issued by Danco Financial Inc for tax year XXXX which confirms that the debt was canceled and should no longer be reported as active. 

Any responses or lack thereof from the creditor or credit reporting agencies. 
This inaccurate reporting is negatively affecting my credit score and financial standing. I respectfully request the CFPBs assistance to investigate this matter and ensure that Danco Financial and XXXX XXXX XXXX complies with all applicable consumer protection laws. 

Thank you for your time and attention to this important matter.
Product: Debt collection

I purchased furniture from Conns in XXXX and let them know I needed my payment to come out on the XXXX. The salesman informed that had been arranged and my first payment would be due in XXXX. This is not what happened. They call me several times per day and I have informed them my payment is supposed to be on the XXXX and to note the account I will be making it then. This payment is not even 30 days past due as they claim it was due XXXX. On Sat they called me 11 times and this was after I told them what they were doing was illegal and I was going to report them. Then on Sunday ( when they are n't supposed to call at all, they called 5 times. Allready this morning XXXX they have called 3 times, and one call was 15 min apart. from the next. This company is harrassing me after I already informed them of the mistake and gave them the date I was going to make my payment. Again, this payment is not even 30 days late if we go by their date. And technically not even due yet if you go by the date that was promised the payment would be due. Please help, I have asked nicely several times that they fix this, and then told them if it did n't stop they would be reported.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent INOUIRIES from my credit report. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Hello, I would like you to help me remove this from my report. My credit is getting really bad because of this. 

XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX, New York XXXX XXXX - XXXX $ ( XXXX ) XXXX Account Name : XXXX  XXXX Account number : XXXX Balance {$75.00} Account Name : XXXXXXXX XXXX XXXX Account XXXX Balance {$0.00} Account Name : XXXX Account XXXX Balance {$0.00} INQUIRY XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

I checked my credit report and saw I had 3 late payments on 3 different accounts on all 3 of my credit reports. Upon checking with the creditors XXXX XXXX  XXXX, and XXXX, I saw that I did make the payments. Once I downloaded the 3 statements proving I made the payments and it was within the 30-day time frame, I submitted the dispute and the statements showing the payment. I submitted it on XXXX and it was " completed '' on XXXX. then I called and when the agents I spoke to weren't able to give me any information about the investigation they said they could resubmit and I could upload the documents again. I submitted it on XXXX and then again it was " completed '' on XXXX and the late payments were not removed. not only were they not removed but I again could not get any new information about how it was completed so fast.
Product: Debt collection

XXXX have been harassing me via my cell phone. I 've sent certified mail with signature requesting VARIFICATION and have n't received anything in return. I have also disputed this through all three credit bureaus and they 've all writing back saying this account has been verified without any back-up document.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was applying for a mortgage and my bank informed me of a late payment on one of my accounts, along with multiple bankruptcies.
Product: Credit reporting or other personal consumer reports

I noticed that on my 2nd attempt to filed a dispute the account is still in my credit report
Product: Debt collection

After checking my credit report on XX/XX/2022, I learned that there is are two supposed bills in collections, both apparently held by the following debt collector : Credits, Inc. 
XXXX XXXX XXXX XXXX, OR XXXX ( XXXX ) XXXX info@creditsinc.com The statement shows a bill owed to XXXX XXXX XXXX XXXX with a {$350.00} balance and a bill owed to one XXXX XXXX for {$98.00}. 
I emailed 'Credits, Inc ' at the above email and left my contact information. They replied back via text, stating that my balance is {$1500.00} - and to click their link to 'make the payment '. They would not say who the original creditor is for this supposed bill. I replied back several times to them asking for an explanation of what the bill is for and they will not answer me. When I view their website, there is only a page to put in a credit card. 
I have no intention of sending money ( especially a large amount ) blindly to someone. If I indeed owe a bill of any kind, I want to get it paid via monthly payments. However, I require a detailed accounting of who the money is going to first. 
This company 's refusal to respond to my repeated requests makes me suspicious as to the very real possibility that 'Credits, Inc ' is a scam.
Product: Money transfer, virtual currency, or money service

Cashapp allowed unauthorized transactions in my account
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$510.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed XXXX {$2800.00} XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

This account was opened through fraudulent means, my personal information was use without my consent to open and establish credit. Approximately XXXX years ago when I was applying for a home loan I discovered this account with XXXX had been opened in my name without my permission to someone claiming to be me at an address I have never resided. I reported it to the credit reporting agencies, XXXX, XXXX and XXXX the negative information was removed for a couple of years only to reappear. Since this first incidence another account wit XXXX appeared on my credit report and I received a letter from the collect agency handling the account, I telephoned that company and explain this was a fraudulent account use my information with an address where i have never resided and was told I would receive no further attempts from them and the matter was resolved.
Product: Credit reporting or other personal consumer reports

I submitted a dispute to Experian requesting the name of the bankruptcy public vendor it refers to. Please see the attached response from Experian in which they claimed that they receive bankruptcy records from a PUBLIC RECORD VENDOR and not the Bankruptcy Court. However, Experian refuses to disclose the details of this Public record vendor as required by the FCRA. I have attached a copy of my credit report showing the bankruptcy record listed as US BKPT CT FL XXXX which is inaccurate according to Experians response regarding the public record vendor. Experians refusal to provide me this information prohibits me from contacting the vendor directly to correct this inaccurate information. I have been denied credit as a result of this inaccurate record ( please see attached adverse letter ). Experian has caused financial hardship as I am unable to obtain the funding needed and therefore I am requesting {$2000.00} in damages per the FCRA which states that consumers are entitled up to {$1000.00} per violation no and less than {$100.00} per violation. Violation ( 1 ) Public records vendor not listed on credit report ( inaccurate ) listed as court. ( 2 ) Public record vendor ( not disclosed ) upon request prohibited a full investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX - XX/XX/XXXX XX/XX/XXXX days late XX/XX/XXXX XX/XX/XXXX days late XX/XX/XXXX XX/XX/XXXX days late XX/XX/XXXX XX/XX/XXXX days late XX/XX/XXXX XX/XX/XXXX days late XX/XX/XXXX XX/XX/XXXX days late. 

DEPT OF ED/XXXX - XX/XX/XXXX XX/XX/XXXX days late XX/XX/XXXX XX/XX/XXXX days late XXXX XXXX XXXX XXXX XXXX days late XX/XX/XXXX XX/XX/XXXX days late XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX days XX/XX/XXXX XX/XX/XXXX days I was never late.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, Robinhood sent an email and stated they reviewed the fraudulent activity on my account after it was compromised, and concluded that the activity was not eligible for reimbursement ( case ID XXXX ) under their Security Guarantee Guidelines. However, my account has always followed their guidelines as summarized below : 1. I've never shared my account login or password details with anyone.

2. All my mobile and laptop devices have a 4- or 6-digit passcode and Touch/XXXX XXXX to prevent anyone from logging in without my authorization. 
3. No one has remote access to my account. Robinhood has called me to confirm the location of my logins during the fraudulent period and validated that the location where the unauthorized transactions took place were not performed by me.

4. I contacted Robinhood for immediate assistance prior to the unauthorized transactions being completed on my account. They did not freeze my account when I asked the customer service representative that day and delayed action.

5. I only contact Robinhood support via the mobile application, as required by their guidelines.

6. I have never opened any suspicious links that would cause my account information to be compromised.

7. I do not use Robinhood to transfer funds to any other parties aside from my own banks checking account, which I kept the same checking account saved on my Robinhood account since I created it in XX/XX/XXXX. 

I appealed Robinhoods decision and was denied of reimbursement with no explanation of why the activity on my account would not be reimbursed. I attempted to get an explanation of why the unauthorized activity on my account did not follow their Security Guarantee Guidelines and have not yet received a simple response. 

I am very frustrated at the lack of assistance that I am receiving from Robinhood as Ive tried to reach out via email and phone for months to understand why my case was denied for reimbursement when Ive followed their security guarantee guidelines and have been responsive when they requested information from my end. My emails were mainly left unanswered or answered generically, or I am redirected to a separate review or fraud team that can only respond via email, which I never hear back from. 

The customer representative process for a simple request is very disorganized and unprofessional. I spoke with a representative on XX/XX/XXXX that stated my case was escalated to the review team to provide me with more information my denial and I would receive a written response within 2 business days. I followed up on XX/XX/XXXX and the representative stated that I was unable to be provided with additional details due to Robinhoods regulation rules, which were never explained or even clarified to me what that involved, and rudely hung up the phone before I can answer.

As a long-term Robinhood customer, I deserve to know why I did not get reimbursed for the material fraudulent transactions and how those unauthorized transactions did not comply with their Security Guarantee Guidelines.
Product: Credit card or prepaid card

several credit card accounts opened in my name without my permission and charged up XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX Balance Owed : {$0.00}, U S DEPT OF EDXXXX XXXX Balance Owed : {$0.00}, XXXX XXXX XXXX XXXX Balance Owed : {$25000.00}, EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit card or prepaid card

I went to use my XXXX card which is a debit card through American Express and found out I could not. So I called and they said it was locked due to fraud. They said I had to prove my identity. I did everything they asked. I had my HR department Involved as well as payroll was emailing them documents they asked for. Then in XXXX when I called them again because we sent everything possible they then said oh we want a letter of ademinity sent from my bank that my company uses but the bank said that XXXX was given enough Info on my direct deposits and info from my job on my identity. 
I no longer work for this company and I still can't get my money that XXXX is holding from me. I have been in a severe car accident that XXXX XXXX XXXX and hospitalized for a couple of XXXX. I could use this money badly at the time. This all started in XXXX of 2020. Please help XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCOUNT DOES NOT BELONG TO ME
Product: Credit reporting or other personal consumer reports

XXXX, Transunion XXXX XXXX are reporting 15 Hard inquiries on my credit report. I am currently in XXXX XXXX Bankruptcy and did not apply for any credit with these companies. I have contacted each bureau and requested the removal of all inquiries. I have filed for a theft of my identity. I have contacted my Attorney regarding this issue, and was advised to call three credit bureaus to informed them of the breach. I started this process on XX/XX/2024.
Product: Checking or savings account

There was a lady aged XXXX didnt give me no name however she had a very believable profile picture that sent me a message on XXXX telling me that her husband died 2 years ago and that her last boyfriend blocked her after she sent him money for college and I felt bad so she offered to be XXXX XXXXXXXX XXXX supposedly and that as long as I give her attention and always is there for her she will give me {$500.00} allowance each week and she said she would give me {$1000.00} dollar check to start off and she also gave me a story that there was a baby who needed XXXX so she would send me an additional {$2000.00} on XX/XX/XXXX  however I did not redeem the {$2000.00} check because I felt sketched out about it so for the {$1000.00} I sent a message to Chase saying to cancel the check because it didnt seem right but the check still went through and after it went through my account got closed and I called the bank but they didnt tell me the reason I sent a message to the person who sent me the fake checks that it was all a scam because I had a negative balance even though I never touched a dime from the check thats went through I have no real reason to ever steal or do any such thing Ive been with chase for awhile already and I never used it for anything malicious I then blocked the person who sent me the check on XXXX but the person texted me on XXXX because I had given her my number when we talked and I have proof that she kept bothering me about the checks and she also tried to call me the days after I got my account closed to send her money back i told my family and they looked up if this had happened to anyone else and it turns out it was a whole scam I fell into Im barely XXXX XXXX XXXX and I got my account closed because I scanned one check from someone I thought was being serious and nice to help me pay for bills. I tried to fix it with chase but they wouldnt give me the reason why it was closed down at the time so I left it at that however I cant just let something I fell a victim to just pass by because this could happen to others as well and they can be unfairly banned even though I understand where chase is coming from however I dont see how its fair after Ive been loyal and done nothing wrong ever this was the first time ever Ive come across a major issue however I am looking to fix this issue.
Product: Debt collection

I had paid the final month of the insurance. I tried to contact them. Kept being transferred and put on hold.
Product: Credit reporting, credit repair services, or other personal consumer reports

my credit profile that is on this consumer credit report still contains misrepresentations, after numerous attempts at asking them cordially to correct my consumer credit report information. 
I also ask that all inquiries be deleted from my credit report as it is proof of a consumer privacy violation, be removed from my report. 
there is an collections account that just made its way on to my consumer credit ( my reputation ) and it is damaging my livilihood. I have been denied credit already because of the fraudulent negative information on my Equifax consumer credit report. 
Equifax has also infringed on my right to consumer privacy by publishing information that it has sourced from other sources and graded me on the things they have found. 

the collection account on my Equifax report goes by the name of XXXX XXXX XXXX, apparently there is a open balance of XXXX, which is another violation of my consumer privacy. pursuant to the United St

ates Code. I have sent 4 letters to Eq
uifax this is the final letter that I am sending. Should the corporation not understand that is has willingingly and knowingly violated my rights and compensate me accordingly I will have to make the attorney general aware of their fraudulent practices and help them pursue criminal liability pursuant to 15 USC 1611.
Product: Credit reporting or other personal consumer reports

I previously disputed XXXXXXXX XXXX XXXX XXXXXXXX ), and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with XXXX, and they removed it from my report after determining it was inaccurate. However, Equifax continues to report this incorrect information. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate data and have it removed. I am requesting that this is investigated and remove this item to ensure consistency across all credit bureaus. 

Additionally, I am requesting an investigation and removal of two other inaccurate accounts that continue to negatively impact my credit report, and does not reflect my true credit history. Despite my efforts to resolve this directly with the reporting agency over phone, it remains unresolved : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX )
Product: Credit card or prepaid card

I originally purchased card # XXXX XXXX XXXX XXXX cv XXXX. I went online as instructed to XXXX on the back of the card. I was able to activate the card, but once I tried using the card online it would come back as declined. I went back to the website used to activate the card to check for any issues and received a message that the card information being entered is invalid. I called XXXX after XXXX wks of calling and hours on hold, I was able to speak with a representative that advised the card was activated on a fraudulent website ; therefore, they deactivated the card. I was then issued a new card in which I just received XX/XX/28 I called the number to activate the card instead of using the website. XXXX advised that card # XXXX XXXX XXXX XXXX cv XXXX is invalid. After being on hold for several hours I was able to speak with a representative that transferred me to they supervisor ( XXXX ). She informed me that they are aware of their IVR advising that cards are invalid and currently working to correct. I requested that they issue a check for the amount of {$100.00} because I'm having too many issues with their card. She then requested phone #, email, and XXXX in order to mail me a check for a card that has no personal information attached. I disagreed with providing my XXXX.