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

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

During our 5 months trip to XXXX for daughter XXXX, XXXX XXXX didn't respect the contract made with XXXX XXXX stating that XXXX  wasn't in XXXX but under XXXX. 
They started charging our card {$940.00} every month which I disputed right away. 
Under the advice of USAA, I cancelled my first card but USAA still accepted amounts to be debited to the new USAA card which they had send by XXXX. XXXX charged all kinds of other amounts which I was never told as what it was for or didn't authorized these amounts, written or verbally. They even charged a card after cancelling the new one, a card which was in our safe. Fines for handicaped parking space was also charge although I had send several copies of the XXXX handicaped car of my daughter which was allowing the car to be parked on that spot. 
i have since XX/XX/2023 disputed many times, their decisions ( USAA ) but still no answers and them allowing for XXXX to still take amounts out of the credit card account even as the car was already in their possession, they charged us {$910.00} - disputed once again but still no actions from USAA. USAA is supposed to protect their service members
Product: Credit reporting or other personal consumer reports

I recently looked at my full credit report and came across accounts that I never opened and wasnt aware of. I also notice the last four digits of a social XXXX on my report which I would like removed because it doesnt belong to me.
Product: Credit reporting or other personal consumer reports

I lodged a complaint with these Bureaus XXXX XXXX ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Product: Checking or savings account

Capital Ones website states, How soon can I use the funds I deposit with my phone? If your deposit was submitted on or before the business day cutoff ( XXXX XXXX. ET ), your funds are generally available by the next business day. Sometimes, we might place an extended hold on your deposited funds. If we do, we'll notify you on when to expect your funds to be available for withdrawal. 
For some reason no matter how small the deposit is it serms I always have to wait 5-6 days for my funds ti be available, and no one can explain or give a definitive reason as to why. I have searched and emailed top ranking people of capital one and still received no kinds of answers. I have had on-going issues with capital one from the start. They have blocked my access to use bank features like XXXX  claiming fraudulent activity yet no one could explain or tell me how to resolve the matter. They blamed and pointed me to XXXX and XXXX said it was on capital one. I even went as far as having the XXXX  rep on yhe phone with tge capital one rep. I am advocating for everyone I know to shut down tgeir accounts with capital one and bank elsewhere.
Product: Debt collection

One again, Convergence is hounding and harassing me for a matter that should have been settled already. They previously took off this false debt and are now putting it back on my credit report for the purpose of damaging my sense of self and harming my financial prospects. 

I did not realize it at the time, but this company has also been calling me daily. I did not realize that since my phone filtered those calls as spam, which I believe is indicative of the abusive tactics utilized.
Product: Money transfer, virtual currency, or money service

I HAVE TRIED TO WITHDRAW MY FUNDS FROM THE GEMINI XXXX XXXX SEVERAL TIMES IN THE MONTHS OF XXXX, XXXX, AND XXXX OF 2022. I CAN STILL SEE MY FUNDS ON XXXX XXXX BUT CAN NOT WITHDRAW WHEN I CHOOSE THE OPTION TO SEND FUNDS TO MY BANK ACCOUNT.
Product: Checking or savings account

On XX/XX/XXXX I had issues with the account setup and the holds to make money available that takes so XXXX long to become available and the fact I cant go to an atm to deposit money to my account. it has caused so much XXXX XXXX with transfers and holds to available to my account and even paying my credit cards are late!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint last XX/XX/2022 to remove XXXX XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX ( Original Creditor : XXXXXXXX XXXX BANK ) XXXX Balance : {$670.00}, which were UNKNOWN to me. I came across with this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove these accounts not later than 4 business days after the XX/XX/2022 letter. Ive already included this in my previous Complaint # XXXX and XXXX and I am including these accounts again.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX reported on my Credit report ( see Experian report attached ) and it does not belong to me. I requested a thorough fraud investigation by Experian and they changed the status of payment as " Paid '' but I want it removed from my report. Also, " Your Statement '' section is incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX and XXXX of 2021, I disputed there were several inaccuracies on my credit report with XXXX, XXXX, and XXXX. 

The spelling of my name was wrong. 
The correct spelling of my name is XXXX XXXX. 
There were old and fraudulent addresses still on my credit report. 
My current address for the past 13 years is XXXX XXXX XXXX XXXX, XXXX FL XXXX There are several inquiries on my report in which I have no accounts with, or havent had in the past. 
And there are closed accounts that I agreed with the creditors to delete when paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  score reduced claiming :! ) Lack of recent installment loan information XXXX ) Length of time revolving accounts have been established, They would not explain the reason for this. 
They said there had no information about outstanding loans. I have no loans or late payments. I contacted TransUnion twice and they had no explanation why the XXXX score was decreased twice in the last several months, nor what I could do about it. They referred me to you.
Product: Credit reporting or other personal consumer reports

On ( XX/XX/year> ) I sent an Identity theft letter to ( BANK OF AMERICA, XXXX, XXXX XXXX XXXX ). I have not received a response nor has ( ( BANK OF AMERICA, XXXX XXXX XXXX XXXX ) complied with my request which has been more than 30 days and is in violation of 15 U.S.Code 1681i ( 6 ) ( A ) and 15 U.S.Code 1681i ( a ) ( 1 ). Attached are the letters that was mailed on ( XX/XX/year> ) and an updated FTC identity theft report. To my understanding, according to FCRA, debt collectors have 30 days to respond to disputes and request made by the consumer. ( ( BANK OF AMERICA, XXXXXXXX XXXX XXXXXXXX XXXX ) have not made one call, or sent one letter in regards to disputes I've mailed to them. This is a direct violation of FCRA Section 611 ( A ) ( 1 ). Which is punishable by up to {$1000.00} in fines per violation. If any disputes per the consumer request are not met with proof or verification within the requested and lawful amount of time, this account is to be deleted from the the consumer 's report, as by lack of response and documentation requested it signifies that this account is unable to be validated or verified. This Lack of validation per the consumer request is in direct violation of FDCPA Section 809 ( b ). Attached are the letters I sent plus my updated identity theft FTC report.
Product: Credit reporting or other personal consumer reports

This is several times I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit reporting agencies to review this account ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or update the listed incorrect information on my credit report. 
XXXXDEPT OF ED XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00}
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I attempted to access my account on Coinbase where I have over {$100000.00}. 
I received a message saying that before I could log on I would need to change my password. The system would not allow me to do so at the time, but finally on XX/XX/XXXX I was able to reset it. However then I received a message that my account had been disabled. When I inquired I received a message saying a specialist would review my case and contact me in 4-5 business days.

Since then my account has been disabled and I have received no further messages from them.
Product: Credit reporting or other personal consumer reports

Per the Fair Credit Reporting Act as a Federally Protected Consumer, according to the 15 USC Code 6802 a financial institution may not directly or through any affiliate disclose to a nonaffiliated third party any nonpublic personal information unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. Trans Union is a third party. I have the right to make sure my private information is not shared which is backed by 15 USC 6801. It states It is policy of the Congress that any financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers non public personal information. 15 US Code 1681a Reporting Transaction History is illegal. According to the Privacy Act of 1974 it protects records about individuals retrieved by personal identifiers such as name, social security number or other identifying number or symbol. Individuals have the right to seek access to and request corrections or accounting of disclosures of any such records maintained about him or her. I am NOW opting out of any and all authorization I the consumer may have given written, unwritten, verbal and non verbal Per 15 USC 6802. I have included XXXX  Privacy Policy which clearly states they DO NOT share with NON AFFILIATES Trans Union is a NON AFFILIATE.
Product: Credit reporting or other personal consumer reports

Despite my numerous attempts to resolve the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has significantly impacted my life, causing considerable XXXX and XXXX. It is important to reiterate that I did not authorize or consent to the association of this information with my name, as I am a victim of identity theft.
Product: Mortgage

BSI financial called me to collect payment on a check that I sent in and was cashed by them on time. They can not provide proof of payment and want me to send in the proof. I will share proof if absolutely necessary, but I shouldnt have to prove they cashed my check.
Product: Credit reporting or other personal consumer reports

Comenity recently ( in XX/XX/XXXX  ) closed a New York and Company account when they did not have a permissible purpose to check my report. They tried to justify their violation of the FCRA by saying there were other negative accounts on the credit report. Comenity is now under obligation to provide evidence that these non-Comenity accounts are " valid '' and that these accounts caused harm to Comenity otherwise I will commence litigation against Comenity.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair Credit Reporting act XXXX  account XXXX XXXX has violated my rights. 

15. U.S.C 1681 Section 602 A States I have a right to privacy 15 U.S.C 1681 Section 604 A Section 2 Also states a. consumer reporting agency can not furnish an account without my written construction.
Product: Credit reporting or other personal consumer reports

I received a hard inquiry notification on my XXXX XXXX account ( Transunion? ). I additionally received an email from XXXX thanking me for applying for a XXXX credit card. I did not apply for a XXXX credit card. My name was spelled incorrectly in the email as well ( XXXX ). I believe someone is trying to commit identity fraud. When I attempted to call XXXX, I was unable to speak to anyone because it kept asking me to input my account or card number. I do not have either because I am not affiliated with XXXX.
Product: Credit reporting

Experian is reporting incorrect information on my " MEMBERSHIP CREDIT REPORT '' which part of their Credit Tracker Service. On the MEMBERSHIP CREDIT REPORT IT shows my XXXX XXXX XXXX XXXX XXXX accounts as PAID XX/XX/2010 - this is incorrect, I have never been late. When I dispute the item a " FULL DISCLOSURE REPORT '' is presented which shows the XXXX XXXX XXXX XXXX XXXX as " PAID AS AGREED '', this is correct. I want Experian to correct the MEMBERSHIP REPORT and resulting FICO Score.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I initiated a transfer of {$1500.00} from my XXXX to my XXXX bank account ending XXXX. XXXX XXXX account was terminated automatically a month later as XXXX wanted to terminate our banking relationship, and they issued me a check that does include {$1500.00} transfer from my XXXX, because my XXXX preferred name XXXX XXXX XXXX XXXX' shows up in the transaction and it is not matching with my XXXX legal name XXXX XXXX XXXX XXXX XXXX'. I raised a dispute ( Dispute ID XXXX XXXX with XXXX, and my dispute was rejected by XXXX and the representative claimed that the transfer was successful. I explained the situation to another customer service representative, they reopened the dispute case and it was again rejected because they said successful transfer can not be reversed. They provided me a trace number XXXX so I could provide the bank 's ACH department. I have explained to them multiple times that the transfer was successful, but XXXX is currently holding my money and do not want to release the funds because the preferred name is not matching my legal name upon closure. However, XXXX dispute team does not seem to understand and they reject my dispute saying that the transfer was successful and could not be reversed, even though I re-appealed the case. I do not have any specific email address from XXXX that I can reach out to, and it is a different person replying to my email every time I reply to them, and they do not seem to know what is going on with the case. The turnover/response time from XXXX is 7-10 business days after I reply to an email. I demand XXXX to submit a recall request to XXXX, as explained by XXXX named a completed Uniform Indemnity Agreement, or hold harmless form. I am not sure how the internal process work, nor do I know if this will be a dispute process, but it has to reach the right XXXX  servicing team with the right expertise to handle this matter. It should not be a customer service representative that is talking to me about this matter. 


Here is a note shared by XXXX : " In your recent correspondence you advised that you filed a dispute with XXXX, which was subsequentially rejected. We suggest you re-contact them once again, and request they contact the appropriate servicing team. The originating financial institution will need to send a recall request directly to XXXX along with a completed Uniform Indemnity Agreement, which may also be referred to as a hold harmless form. They can return the completed form to this email XXXX. ''
Product: Checking or savings account

Dear Sir/Madam, I am writing to file a complaint against Robinhood regarding the recent closure of my account and the mishandling of funds associated with it. The circumstances surrounding the closure of my account have left me in a distressing situation with limited access to my funds. 

On XX/XX/2024, I received an email notification from Robinhood stating that my account was being closed due to disputes related to products I received. Specifically, I had encountered issues with two separate products : XXXX XXXX screen protector as well as a charger along with a laptop. 

Despite my attempts to address these issues through proper channels, Robinhood interpreted my actions as fraudulent and chose to close my account without warning. As a result, I am unable to access the funds held in my Robinhood account, which amounts to {$430.00}. 

According to the email notification received from Robinhood, all eligible funds will be returned to either the accounts that deposited the funds or a linked bank account. However, I do not have an external account linked to my Robinhood account, and there isnt an identifiable original sender for my funds. 

I want to emphasize that I have no intention of engaging in fraudulent activity. I am willing to cooperate fully with Robinhood to resolve any disputes regarding the products in question. I am also willing to return the products if necessary to facilitate a resolution. 

However, the sudden closure of my account without adequate communication or opportunity to address the issues is unjust and has caused significant inconvenience and financial hardship. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and intervene on my behalf to ensure a fair and timely resolution. Specifically, I seek assistance in facilitating the return of my funds held in my Robinhood account and addressing any concerns or disputes related to the closure of my account.
Product: Debt collection

I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also, there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Product: Debt collection

A company from the phone number of  XXXX  called my father without disclosing the name of the company, in attempt to collect a debt owed to   XXXX   XXXX  . My father then contacted me because we share the same names and he believes I now owe the debt they are attempting to collect. They stated that the person in question owes an actual amount around {$4000.00}, my father does not remember the actual amount but stated they disclosed this person may owe as such. My father stated the debt is not his, and he was not the correct person to attempt to collect the debt from.
Product: Debt collection

PORTFOLIO RC is claiming that I owe them {$350.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.
Product: Checking or savings account

On XX/XX/XXXX at XXXX and XXXX i had money fraudulently stolen out of my bank account. I contacted chime immediately after it happened. ( I have transaction notifications on and the alert woke me up out of my sleep ) For two months now they have refused to give me back the money even after I submitted the police report and all of the information they asked of me. The transactions don't line up with my spending at all and they have been nothing but unhelpful. They have laughed at me and called me a liar, I do not own a XXXX and it was discussed with them that the one purchase I made in XXXX to XXXX was for a friend 's son and when we checked his account to see if my card information was still in his account or not, we found that it was not in his account and these two purchases did not come from his account. Therefore, my information was fraudulently stolen from me and the bank is doing nothing to help me.
Product: Debt collection

Recently, I noticed a negative item on my credit report that does not belong to me. The collection agency is California Business Bureau ( CBB ) and the original creditor is XXXX XXXX XXXX XXXX. 

On XX/XX/XXXX, I wrote to CBB requesting account validation, in accordance with the Fair Debt Collection Practices Act ( FDCPA ). On XX/XX/XXXX, they responded by saying " there is no basis in law to substantiate your right to such information ''. CBB proceeded to provide creditor and account information including an amount they say I owe of {$890.00} and added {$500.00} interest for a total of {$1300.00}. They included no validation, but included a database printout of a patient inquiry report with service dates, service codes, and service code descriptions. No HIPAA release form for release of patient information was ever sent to me. 

Moreover, I have never been a patient or done business with said creditor, XXXX XXXX XXXX XXXX ( XXXX ). My name has been used fraudulently in this medical debt collection account unbeknownst to me between CBB and XXXX dating back to XX/XX/XXXX. 

Furthermore, since XX/XX/XXXX, I have been corresponding with XXXX  to resolve this to no avail. I have requested physical verification/validation of the original signed consumer contract. They persist in refusing to remove this fraudulent, unverified, erroneous item from my credit report. The outcome is that this negative item remains on my credit report, negatively and wrongfully harming my ability to enjoy the benefits of good credit. This negative item is causing me severe problems in trying to purchase a home.