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

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' ... Please verify and remove the inaccurate accounts below. 

I have already disputed these items below, but the bureaus have not removed them or proved validation. 

Sec. 602 State, I have a right to privacy. 

XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account XXXX : XXXX XXXX Account Number XXXX XXXX
Product: Checking or savings account

This is a formal complaint against Robinhood Markets , Inc. for the failure of their customer service department to resolve my debit card usage issues and for freezing my checking account twice without stating the reasons why. I am on vacation in XXXX with my XXXX debit card from XX/XX/XXXX to XX/XX/2021. To my knowledge, Robinhood doesn't require a travel notice as long as the card is used in permitted countries - XXXX is permitted. I successfully completed a single in-store transaction without a problem and then I proceeded to attempt an ATM withdrawal with a Colombian bank named XXXX XXXX XXXX XXXX over two weeks ago now ). This is when Robinhood locked my account due to what they described as XXXX suspicious activity XXXX  and they then required that I upload the front and bank of my driver 's license to prove my identity - I did so via their mobile application and the desktop version. The verification of my own identity was never acknowledged by their customer service staff (  although they did unfreeze my account at this point ). Matter of fact, they then ran with a wild idea that my XXXX XXXX account had been hacked without providing any evidence - and this was/is definitely not the case. Robinhood adds insult to injury because all email correspondence involves a different agent that basically starts my case back at square one, rather than a single dedicated agent that is well informed and carries me forward. They offer no phone support and no live chat. At this point, I don't even get email correspondence anymore. They have ceased all communication with me present day. Completely enraged by their lack of customer service, I tried to withdrawal my current checking account balance of {$1900.00} USD as an ACH transfer to XXXX XXXX XXXX in preparation of account closure with XXXX. XXXX rejected my request for withdrawing my money to XXXX XXXX XXXX on XX/XX/2021 and they froze my account again. This most recent event is what motivated me to file a formal complaint with the CFPB. Robinhood is holding my funds XXXX at this point without providing any reason why.
Product: Debt collection

Received a collection notice for an apartment that had major plumbing issues. I did what was required to be released from the lease XXXX month early. The manager told me to write a letter of my request due to the unsanitary health issues and now I have received this collection notice. I do not owe them any money, in fact they kept my deposit also.
Product: Debt collection

I've never had XXXX. I'm with same carrier for over 20 years. They have wrong person in collections. I open dispute in my credit file They're refusing to remove I will contact Attorney general next
Product: Checking or savings account

In XXXX, I opened an account with Marcus and deposited {$25000.00} into it, but my account was locked at the beginning of XXXX. They said verification was needed, and this process has been prolonged. To this day, my account is still locked, and I am unable to retrieve my money. Now, I just want to force close my account and have the money returned the same way it was deposited, but customer service didn't even let me close the account.
Product: Credit card or prepaid card

Ordered another credit card for an employee. US Bank opened a new account and used a 10 year old address. Found out the card was turned over to collection over {$160.00} and got it paid and resolved. Was promised this was not reported to the credit reporting and it was. So a couple weeks later when trying to buy a company car US Bank refused to issue the loan and refused to acknowledge their mistake and the fact that XXXX XXXX lied to me about the credit reporting. They then offered me a much higher intrest rate on my car loan claiming it was due to the {$160.00}. issue they created. I have wasted hours and hours of my time and am paying more for the car because of the credit report. US Bank offered me {$75.00} statement credit and that is why I am filing this complaint. They also told me I need to write a letter to get the credit report fixed. I pass a few XXXX dollars a year through their bank between business I own and personal. 
This is who I dealt with last and refused to be helpful beyond {$75.00} XXXX XXXX XXXX XXXX XXXX U.S. Bancorp XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MN XXXX | XXXX | www.usbank.com
Product: Credit reporting or other personal consumer reports

Cfpb complaint inaccurate information I am listing account below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. 
This company is reporting inaccurate high credit amounts, Last reporting dates, Date last Active, and Date of last payment. In pursuant to 15 U.S.C. 1681 Congressional Findings, The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

XXXX XXXX XXXX Acct # XXXX
Product: Mortgage

I submitted all the information required to obtain a loan estimate from rocket mortgage via quicken loans. I was told they do not provide a loan estimate until Im in contract with the seller. This is a clear violation of my rights as a customer by law. I can provide more info and the loan officer who told me this and subsequently closed my mortgage application without my knowledge.
Product: Credit reporting, credit repair services, or other personal consumer reports

I PULLED MY EXPERIAN REPORT AND NOTICED TWO XXXX XXXX ACCOUNTS THAT SHOULD NOT BE ON MY REPORT. XXXX XXXX FOR ACCOUNT BALANCE XXXX, XXXX XXXX  ACCOUNT BALANCE XXXX. MY CONCERNS THAT THE CREDITORS ACCOUNT NUMBERS ARE DIFFERENT FROM EXPERIAN CREDIT REPORT. THIS IS FRAUD AT AN ALL TIME HIGH. I KNOW MY CONSUMER RIGHTS. I AM BEING MISS TREATED.

THERE ARE LAWS IN PLACE AND I KNOW MY RIGHTS!

CFPB Write up In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX, has violated my rights.

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 In accordance with the Fair Credit Reporting Act XXXX, the accounts listed on my attachments has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

My loan payments were always sent on time. I keep explaining this to Equifax but they keep on saying that the accounts are accurately reported and they have verified it. The accounts were not reported correctly and I would like it fixed. Please CFPB step up and correct the status because I was never late on my XXXX XXXX XXXX and XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my personal information, including SSN, in the recent data breach, which puts me and others at risk. I 'm listed as one of the potential victims according to the equifaxsecurity2017.com website, and I 'd like a resolution.
Product: Debt collection

All of these charges were brought about during my XXXXXXXX XXXX XXXX. Theire client XXXX XXXX neglected to use my Medicaid insurance along with my Medicare insurance which they have copies of both. I did not receive mailed statements for services rendered and aslo had no copays of these amounts. As of this writing they still do not do proper insurance billing as it is faster for them to send to Merchants Credit Collection. I no longer owe XXXX these debts as they were given to Merchants Credit
Product: Credit card

Discover bank prematurely closed my account without my knowledge or request of closing the account. When I spoke with a representative over the phone, I was told it was due to non-usage and and a derogatory mark on my credit report regarding a totally different card company. When I asked what justifies closing of the account under policy, I was told non-usage of a card for 18 months, however my card had not been used in 11 months so this was a premature action. This was my longest standing credit card account so closing this account will negative affect my credit history based on credit age significantly decreasing. I did not request to close this account. The account was closed on XX/XX/year>
Product: Credit card or prepaid card

Hello, I would like to submit a complaint about a misleading promotion of rewards thru XXXX/Chase rapid rewards plus credit card. The promotion I signed up for thru XXXX XXXX ( applied on XX/XX/XXXX ) consisted of a sign in bonus of XXXX rapid rewards points, plus {$200.00} of credit statement after spending {$1000.00} in the first three months period. After fulfilling my part of the contract I checked my rewards and I only had XXXX points, so I decided to contact XXXX   on XX/XX/XXXX and ask about my missing rewards, XXXX channeled me to Chase ( XX/XX/XXXX ), which I initially contacted over the phone ( on XX/XX/XXXX ), I informed the agent ( XXXX ) about my concern and I was told that the promotion I signed up for did not exist and that I was enrolled under a signed up to a sign in bonus promotion of XXXX points, plus {$200.00} credit statement, which I had no knowledge off, and it was not even an option online when I signed up ( XX/XX/XXXX ). I sent physical proof ( thru email, XX/XX/XXXX ) ) from the XXXX rewards promotion that XXXX/Chase credit card had available, back when i signed up. But they are still denying their responsibility to redeem their part of the offer. Plus, they signed me up to a promotion that I was not even aware of, and I don't even know the details. They have high interest and annual fee, the XXXX reward point promotion ad enticed me, that was the reason I applied for this credit card.
Product: Credit reporting or other personal consumer reports

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 
Inaccurate Names : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX & XXXX XXXX XXXX ; Inaccurate Addresses : XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX  XXXX CA XXXX
Product: Credit reporting or other personal consumer reports

I hope this complaint finds you well. I am writing this complaint to you today to address a matter of utmost importance regarding identity theft that has impacted me. I discovered suspicious activity on my credit report, this was brought on by a data breach from XXXX XXXX in 2018. After reviewing the information on my credit report, it came to my attention that several unauthorized accounts have been opened in my name. I was and am deeply concerned about this breach of my personal information and the potential repercussions it may have on my financial well-being. I have taken immediate steps to report this identity theft incident to the local authorities and have obtained a theft affidavit which I have enclosed with this complaint for your reference. I have also contacted the affected financial institutions and desire the placing of fraud alerts on my accounts to prevent further unauthorized activities. As I reported the problem to Equifax Credit Information Services LLC to rectify this issue, and they removed all but 1 account from my report I kindly request your assistance in blocking the fraudulent account listed on my credit report with Equifax. The unauthorized accounts in question are included on the attached affidavit, and it was opened without my knowledge or consent. I have not initiated or authorized any transactions associated with these accounts. In light of the seriousness of this matter, I kindly request that Equifax initiate an immediate deletion of the fraudulent accounts. It is crucial to ensure that the erroneous accounts resulting from this identity theft are promptly removed from my credit report. 

The accounts in question are : XXXX XXXX XXXX, XXXX  XXXX. 

Enclosed with this complaint, please find the following documents that support my claim : 1. A copy of my identification for verification purposes. 2. A copy of the FTC Affidavit detailing the identity theft incident. 

I understand that resolving cases of identity theft can be a complex process, but I sincerely appreciate your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

I start get mail from a company call XXXX XXXX XXXX i owe some thing I dont know about or was aware of they state a company call synchrony bank which Im still not aware of state they charge off a account XXXX which I didnt not authrozie nor did i let any one use my information i also state to them Ive been a victim of fraud I state to them sice they place it as a charge in told im a victim of fraud they have been compensated by the irs for filing the account as a loss they are report to my account inaccurate due to being fraudulent opened as identity theft
Product: Credit reporting or other personal consumer reports

The following companies made unlawful requests on my personal credit report, and I am writing to let you know about them. Below are the company names along with the dates that I received the inquires. 

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 reporting, credit repair services, or other personal consumer reports

The company is on my report is XXXX XXXX i never had and account with them
Product: Credit reporting or other personal consumer reports

This is not a duplicate request nor filed by a 3rd party credit repair agency. I'm filing this CFPB complaint to request pursuant to FCRA 605 B ( 15 U.S. Code 1681c-2 ) that you, Transunion a consumer credit agency, block information that is appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of personal credit card accounts opened at : XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX XXXX XXXX ACCOUNT NUMBER XXXX XXXX XXXX ACCOUNT NUMBER : XXXXXXXX XXXX XXXX ACCOUNT NUMBER XXXX XXXX ACCOUNT NUMBER : XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX XXXX  ACCOUNT NUMBER : XXXX XXXX XXXX  ACCOUINT NUMBER XXXX XXXX XXXX ACCOUNT NUMBER XXXX XXXX XXXX ACCOUNT NUMBER : XXXX These accounts appear to be related to the aforementioned in this dispute. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts and collections and or hard inquiries as reported. The aforementioned accounts, collections and or hard inquiries, appearing on my consumer credit report maintained by you, were not opened, made, or initiated by me. All of the aforementioned accounts ; collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of the FTC identity theft criminal complaint, FTC Report Number # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections and hard inquiries are a result of identity theft and fraud.
Product: Checking or savings account

On XX/XX/2024, XXXX made an unauthorized debit from my First National Bank of Pennsylvania checking account for the amount of {$4500.00}. I called XXXX XXXXXXXX XXXX  on XX/XX/XXXX, they proceeded to file a claim to dispute the transaction. Since then no one has reached out to me or given me any updates for the claim. I called First National Bank of Pennsylvania on XX/XX/2024 asking to speak to the fraud department to get a status update on my claim and ask if there was anything I could do to help speed the process up due to the situation inconveniencing my bills and whatnot. I was told that I could not speak to the fraud department, and the representative told me they don't have any updates. I was told there was paperwork for me to sign but I haven't received anything and would like to know if they can email it.
Product: Credit reporting or other personal consumer reports

On XX/XX/2019. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. On my background report it is showing as XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
This is inaccurate information The company hiring me was using FIRST ADVANTAGE Or XXXX
Product: Credit reporting or other personal consumer reports

Experian has been abusing and furnishing my account with inaccurate information that should have been removed. My student loan DEPT of ED accounts name was changed from DEPT OF ED to DEPT OF EDXXXX XXXX. The furnisher sent them over a request several times to remove the account. I have conducted conference calls and disputes. Experian reps says dispute it but every time that I did, they submit verified. I asked for proof to who verified what they told me they can not do so. By law they are to do so. 

They are also suppose to report credit accuracy and by law they are not. I am afraid to submit anymore information other than the attached screenshot that XXXX and XXXX has honored the furnisher 's request but Experian has not. I am convince they investigation is not accurate because aid vantage advise they did not furnish anything to my credit report and will not until I default or do not pay. I am getting very tired of Experian for over a year. I am going to have to seek legal assistance at this point because its stressing me out and its not okay. 

I am tired of calling every morning before work on the phone for weeks and months to get no where or something they have been advised to move by the furnisher and they took it up themselves to combine my closed accounts together in one and instead of saying XXXX XXXX  which legally they know they can not because XXXX XXXX did not furnish anything on my report. They took my account that should be closed and combine the names. How unethical is that... 

Please someone tell Experian to remove this account enough is enough
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to contact all the lenders involved with negative balances reporting on my credit report even though they do not belong to me, They sold off the accounts and they said to call XXXX and dispute saying they can't do anything. I would like all these negative collections removed because they are not in my name and I have no recollection fo opening nay of these accounts.
Product: Debt collection

XXXX XXXX of 2017XX/XX/XXXX contacted me and informed me that my personal information had been affected in their data breach along with 143 million other consumers. My social security number, date of birth, address, drivers ' licenses number along with other personal information has been used to open several accounts in my name without my permission. This has mentally, and emotionally affected me as my personal credit and overall credit score has been damaged due to the error that XX/XX/XXXXallowed to take place. I asked for the companies to provide me with legal debt validation ( Proper paperwork showing how this account was added in my name, documentation with my signature, along with proof that your company is legally allowed to collect this debt from me. It has been well over 60 days and I have yet to receive legal debt validation. 

Section 609 of the " Fair Credit Reporting Act '' states that all companies must provide legal proof of all accounts listed on a consumers credit report. Not only do these accounts not belong to me, but these companies have failed to comply with the fair credit reporting act. I have provide a police report to this report.
Product: Credit reporting or other personal consumer reports

Dear Experian Dispute Department, Under Section XXXX of the Fair Credit Reporting Act ( FCRA ), I am disputing the following accounts as they do not belong to me. If you can not verify these accounts with legally sufficient proof, they must be deleted from my credit report immediately. 

The accounts in question are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX FCRA Section XXXX Request : I demand full verification, including signed agreements proving my liability for these accounts. If you can not provide this information, XXXX XXXX XXXX XXXX requires you to remove these accounts immediately. 

FCRA Section XXXX Request : Under XXXX XXXX XXXX XXXX, you are required to reinvestigate and correct any inaccuracies within XXXX  days. If you can not verify the accounts, they must be deleted immediately. 

If you do not comply, I will escalate the matter to the Consumer Financial Protection Bureau ( CFPB ) and consider further legal action.
Product: Money transfer, virtual currency, or money service

I have transferred some coins using exchange to coinbase.com into my digital wallet which was generated by them only. My coins has been transferred to that same digital wallet, now they are excusing in so many ways that this is not supported on their network. However the coin XXXX is listed as tradable on the website.