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

Hello I opened an account with robinhood and purchased XXXX with the XXXX XXXX instant transfer and the deposit was reserved because the money was in my XXXX  account. Ive tried repeatedly to find my ax but have not been successful and ow I just want to close my options and retrieve my profits but they wont allow me to and I keep writing them and no one answers
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block Inc. ) due to inadequate customer service and unfair practices which violated the consumer financial protection act ( CFPA ). Specifically Cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently reviewed my credit report and noticed some unauthorized accounts on my credit report and under 15 USC 1681. Transunion assumed this role without my permission not only that Transunion did not have my consent. Transunion did not respect my right to privacy & I have sent in many letters telling transunion about the unauthorized accounts and incorrect personal information I am demanding right now is that transunion remove old names and address that is not my address and phone number dispute completely Reporting missing payments on accounts that I didnt authorize or gave my consent too
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One is still showing that I have 5 late payments and Ive never been late with my card payments. This is against the law and needs to be corrected immediately. Its hindering me from obtaining credit.
Product: Credit card or prepaid card

X/XX/2017    -- I ordered  XXXX  tickets to  XXXX   XXXX  from  XXXX  website for {$300.00}.  XXXX  sent me an email that the charge was declined by Discover. At the same time, Discover sent me an automated email of fraud alert and was asking me if the orders were valid. I did not respond to their email but instead called Discover on  X/XX/2017   .     So, during my conversation with the representative at Discover on  X/XX/2017   , I was told that there should be no problem with my card. I asked if the order made on  X/XX/2017    went through. I was told no. Worried that I might get charged twice, I asked if I should place the order again. I was told by Discover th at Discover does no t run through what it declined, so I should place the order again. I placed an order again at  XXXX  site on  X/XX/2017    for  XXXX  tickets at {$300.00}.     On  X/X/2017    I checked my  XXXX  app and found  XXXX  tickets. I called Discover because I had been charged twice on my credit card. I called Discover because it is Discovers fault first, they declined the order, and second, they told me the first order did not go through and that I should place the order again. Discover removed the disputed charge of {$300.00}.     On  X/XX/2017   , I calle d Discover to follow  up on my dispute.     Sometime in  XXXX , I contacted  XXXX  to ask them to remove the duplicated tickets from my app. But, they said they couldnt because the tickets can not be returned as they exceeded th e 3-day  window. I have not clicked on any of the tickets ( I believe clicking them means that the purchaser has accepted the tickets ) because I might click on the ones that were disputed and it might make the dispute invalid.     On  X/XX/2017   , I found out that Discover put back the disputed charge of {$300.00} into my credit card. I called Discover again, and they will have a supervisor call me within 3 days.
Product: Debt collection

I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov I've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the USPS tracking.I am a victim of identity theft and noticed a collection from XXXX XXXX XXXX. I've attempted to dispute multiple times, however, no response on their end. Not sure what else to do. The police department told me to contact the federal trade commission which I wrote a formal complaint against XXXX XXXX XXXX in regards to this matter. The FTC also instructed me to complete and theft affidavit through identity theft.gov. Attached is my document. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # XXXX 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 : also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I recently review a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from my report as they are hurting my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a consumer and I feel that my federally protected consumer rights have been violated. Ive contacted the companies that have been reporting on my consumer report and they told me that they do not operate under the Fair Credit Reporting Act and that they dont have to follow under Congress Guidelines 15 USC 1681. I have sent copies of the violations to the credit bureaus and companies but they have ignored everything that I have sent them assholes. The violations included : 15 USC 1681b ( a ) ( 2 ) 15 USC 1681c ( a ) ( 5 ) 15 USC 1692g. 

I never have written consent to any of these XXXX who caused me injury by reporting false and inaccurate items on my consumer report. These items have caused denial of extension of credit, denial of bank accounts, and denials of loans. These are the accounts that I wish to be removed from my consumer report : DEPT OF ED/XXXX  acct # ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX acct # -XXXX XXXX XXXXS acct # -XXXX XXXX acct # -XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi back in XXXX I was shopping at the mall and realized I lost my wallet. I filed a police report to report and hopefully a recovery of my wallet. I notice accounts that was opened in my name in XX/XX/XXXX. I'm convinced this has something to do with my wallet being stolen in XXXX of XXXX. They opened 3 accounts without my knowledge, nor consent. I have never spoken to anyone, nor have I signed any documents to open these accounts. XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX I am requesting these accounts be removed immediately. Also these hard inquiries I did not authorize for anyone to run my credit XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX & XXXX XXXX XXXX XX/XX/XXXX. 

I did further research online to see how these accounts were reported. Based off Fair Credit Act all credit bureaus must be accurate with reporting to all 3 bureaus. In Accordance Fair Credit Act these companies listed has violated my rights. 15 U.S.C. 1581 Section 602 A states I have a right to privacy.

15 U.S.C 1681 604 A Section states. It also states that a Consumer Agency can not furnish an account
Product: Debt collection

I sent in full payment to their finance company and relayed this information to XXXX, week ago. I am still being called and harassed by them, this is not a duplicate complaint it is an extension because the called are still coming and I want them to leave me alone and am hoping that these annoying phone calls stop. They are also calling and hanging up which is an unacceptable practice. I paid them in full and I want XXXX to never contact me again ever.
Product: Debt collection

On or about XX/XX/2018, I moved out of The XXXX at XXXX XXXX apartment complex ; giving plenty of notice of my intent to move. Management company charged for an additional month of rent, in addition to keeping my security deposit and failing to give a move out ledger of alleged expenses. I never received communication from the management company, only from the debt collector who put an amount of money I do not owe, on my credit report. That amount was XXXX. It is now XXXX. I attempted to resolve the issue by contacting the debt collector and they were unwilling to remove the negative mark from my credit report. IQ Data International, has also increased the debt owed by percentages not agreed by me, without written notice and continues to report the increases to the credit bureaus. 

The management company, XXXX owned the property when I submitted my notice of intent to move, I kept in close contact with management personnel informing them of my progress in moving. I had a good verification of rent letter, stating that I was not behind on my rent, never late and moving out on XX/XX/2018. Management changed over to XXXX XXXX and they refused to honor the notice of intent to move out. As per my lease, I never received a reminder to renew so I was only suppose to give a 30 day notice ; I gave notice in XXXX. Regional manager, XXXX XXXX stated he was in receipt of my notice to move from XX/XX/2018 ; per our XX/XX/2018 email communication. I moved from the property XX/XX/2018 and turned in the keys on XX/XX/2018. The property is charging me for XXXX rent that I do not owe. 

I will submit email conversations with the previous property manager, XXXX XXXX, stating that I only wish to renew my lease for five months beginning XX/XX/2018 to end XX/XX/2018. I will also submit email communication of Regional manager, XXXX XXXX, using bullying tactics to threaten negative impact to my " rental and credit history '' and also implying that he already had intentions to apply my security deposit to any balances owed. I will also submit my notice, my verification of rent, my key turn in sheet with my forwarding address and a statement of facts. All of which was submitted to the collection company along with a letter to cease collection actions. Nothing has worked so far and these companies are illegally trying to XXXX  XXXX  me into paying something I do not owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is with TRANUNION credit bureau i keep dispute items on my credit report and they keep putting things on there from my sons i have XXXX sons with the same name but i am a sr and every time i call to get information about my credit they tell me i had the wrong information and wont let me on my credit file it a shame that i have to look at my credit on XXXX XXXX to see what is on their and then they putting all these hard inquires on my credit that i didnt give permission and i keep asking them to update their information when i apply for credit i ask them to run my credit 1 time and they end up sending it to 40 or 50 people
Product: Credit reporting or other personal consumer reports

i recently turned XXXX and tried to download credit karma and was informed my date of birth that they have is not correct. my real date of birth is XX/XX/XXXX. credit karma has my date of birth as XX/XX/XXXX. i can not start to monitor my credit because of this and want to make sure nothing was opened with my social security number
Product: Mortgage

To whom it may concern. 

My father passed away in XX/XX/XXXX. I purchased his home from the Estate. He had a Mortgage with XXXX XXXX Bank. I was able to assume the mortgage and have it placed in my name. He also Had a home equity loan with Fifth Third Bank. Fifth Third Bank refuses to place that loan in my name, but if I refuse to pay the loan they threaten to place a lien on my home. I bought the home because it was modified for my father who was XXXX. I to am XXXX, so the home was easier for me to manage. I feel that Fifth Third Bank is blackmailing me. I have asked them to place the loan in my name, but they refuse. So in turn ; I have been paying on a dead man 's loan for almost a year now. I feel this is wrong. Either place to loan in my name or dismiss it. 

Any advice would be appreciated. 

XXXX XXXX
Product: Debt collection

n accordance with the Fair Credit Reporting act Transworld system Account # XXXX, 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. 

Transworld system inc at XXXX XXXX XXXX XXXX, DE XXXX has been sending me collection notices in the amount of {$3300.00} the collection has been reported as Paid balance. I have never done any business with this company. This company does not have a contract with my signature.
Product: Debt collection

On XXXX XXXX I received a call at work from a process server stating he would be there that day to serve me. He gave me contact information to MidLand Funding since I had no idea what this debt was for. When I called them they said an online loan taken out in XXXX XXXX was due today in the amount of {$1500.00} or they were suing me for {$4900.00}. They also stated I could not make payments, and when I told them I never remembered taking this debt and asked if they had paperwork they said no, and called XXXX to " verify '' the debt even though all they did was verify my SSN and name was listed on a sold debt. When I asked why I had never been contacted about this before hand they said they did not send any notice because they were swamped with these cases and needed to try and get judgment on all of them so people 's tax returns could be taken in XXXX. I let him know I may be able to borrow money from someone but I did not remember this debt and would like some kind of paperwork. After I made it clear on XXXX XXXX that I could not pay the {$1500.00} today either way ( because I did n't have that much money right now and I could not verify this was my debt ) he was angry and said he did n't know what kind of proof I expected and I did n't have a days notice to pay I had over 3 years to pay! I informed him no one had contacted me about this from his office and he said they did n't have to because I breached a contract 3 years ago and I should have already known about it? The fact that he also said I would have my payroll garnished ( which is against KS state law when the debt is sold to a third party collector ), and that he was filing that I refused to pay with malicious intent and that I was going to lose before hanging up sealed the deal. All I wanted was some kind of information to verify this debt ( which he gave me some basic information i.e. when it was supposedly taken out, my SSN, bank account, and that several payments were made before it went bad ) but said there was no actual paperwork and I would have to go to my old bank and try to get the records to prove it. He asked if I expected them to have a video of me in front of a computer taking out this loan?! Anyone with access to XXXX paycheck stub would have had all of my information and anyone I ever wrote a check to at that time had my KS DL number!? All I wanted was some kind of information sent to me, maybe a listing of dates taken out and payments made to verify with my bank although I never remembered this or a chance to make payments and be called in advance, and I am threatened and talked to rudely instead.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX Balance : {$1200.00} ; XXXX XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

Affirm Inc. Is reporting an account on my credit file that i have never had they keeping telling me if for XXXX mattress which i dont have any XXXX mattress i have tried to dispute this account and they keep telling me that it is still verified as my account so i am going this route to see if this will work.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 17th endeavor 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, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$4800.00} XXXX OF XXXX XXXX XXXX : {$0.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXXZ XXXX XXXX XXXX XXXX {$4800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Experian XX/XX/2021 to update personal information, remove unvalidated alleged debt and have adverse information removed from my credit file. The agent refused to delete my date of birth as I requested pursuant to FCRA USC 15 1681 and violated my consumer 's right to privacy. The agent also refused to remove adverse information and reports that I never provided written instructions for Experian to furnish to my consumer file pursuant to USC 15 1681b. Experian willfully furnished medical information which violates 1681a ( 3 ) Restriction on Sharing of Medical Information. I asked the agent if Experian had written consent from me the consumer to furnish any factual and private information to my credit file. He stated that the consumer 's written consent isn't required for Experian to furnish private information to a credit file. Furnishing an unvalidated debt is fraud pursuant to 1692g.
Product: Mortgage

Reference in XXXX XXXX XXXX, Hello i have been contacting citi mortgage to assist me with a loan modification package. I have not even got a return call which i set up 2. I have been just trying to get an answer or status to assist the borrower. They have gae me two call backs which i just called at XXXX XXXX  XXXX and was advised that there was no notes and that the point of contact XXXX XXXXXXXXXXXX has not given me an email or a call back today at XXXX. It is XXXX XXXX now and set up another call back for next week.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Wells Fargo, who told me to contact the credit bureau when i told them the information reported is incorrect. This account was paid in full 2021 XXXX. I paid this account in full while i was in XXXX XXXX in the military. I paid over {$500.00} then my mom later told me she had a letter with them attempting to settle for {$220.00}, when i already paid in full.
Product: Credit reporting or other personal consumer reports

in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose MOR Reported : XXXX XXXX, XXXX - {$97000.00} In good standing Overview You have 99 % left to pay on this real estate loan. 

Balance {$97000.00} Highest Balance $ XXXX  Monthly payment {$910.00} Opened XX/XX/XXXX ( 9 mos ) Term 360 months Payment History Youve made 100 % of payments for this account on time. 

Payment history table, broken down by month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Current Late Unknown Last payment XXXX XXXX, XXXX Current Payment Status Current Worst Payment Status Current Account Details Account status Open Type FHA real estate mortgage Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Times XX/XX/XXXX days late XXXX Closed No Info Remark code added to XXXXUNITED WHOLESALE MOR account XXXX XX/XX/XXXX and XX/XX/XXXX, the following remark was added to this account : Account information disputed by consumer, meets FCRA requirements.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my Rights! Under Act 15 U.S.C. 1681 section 602 says " 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 refurnish an account without my written instructions ''. Under 15 U.S.C 1666B " A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purposes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE AN UNAUTHORIZED ACCOUNT LISTED ON MY CREDIT REPORT THAT NEEDS TO BE REMOVED IMMEDIATELY. MY PERSONAL INFORMATION WAS RELEASED IN THE EQUIFAX DATA BREACH!! THIS ACCOUNT DOES NOT BELONG TO ME AND IS VERY INACCURATE AND INCOMPLETE. CREDITS REPORTS ARE REQUIRED TO BE 100 PERCENT ACCURATE AND THIS ACCOUNT ISN'T AND IS VERY UNFAIR TO ME BECAUSE THIS IS HURTING MY GREAT REPUTATION WITH THE BANKING SYSTEM.
Product: Credit reporting or other personal consumer reports

i have no supplied proof under the doctrine of estoppel by the silence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( please remove these account before i seek litigation for defamation of character ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX