23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I had know ideal I had this account with XXXX XXXX  Whom the sellers are XXXX Bank. Until I seen it on my credit and a notice of payment. I then contacted XXXX Bank XXXX Bank informed me they had turned it over to Portfolio Recovery I need to get in contact with Portfolio Recovery Associates I didn't get a good response. I then hired an Attorney made a police report put a freeze on my credit a fraud alert. The Attorney worked very with them conference calls, Documents. A signed affidavit. and more. Portfolio Recovery sent me some documents showing what was purchase. I explained to Portfolio Recovery, We had rented out rooms to some boarders but I had never seen any of that merchandise. Whoever the person was made payments on the items, I had know ideal what was going on At the time all this was happening I was taking care of my ill husband who died at home. I had know time to do any of these thing. also XXXX ware coming and going, They even told me I need a break but I never left my husband side. Everything he need was being delivered by different drivers. I took very good care of him, until he pasted on. I then stopped allowing boarders to live in our home. I had know time I mean Know time to think about shopping a XXXX XXXX, Portfolio Recover Associates stop pursuing payment but will not release it off my credit.
Product: Credit reporting or other personal consumer reports

I RECEIVED A MESSAGE FROM EXPERIAN THAT EVEN EXPERIAN IS NOT ABLE TO LOCATE. BUT THEY ARE ABLE TO LOCATE EVERY OTHER ALERT THAT WAS SENT TO ME, EXCEPT THE ONE INQUIRY IN QUESTION. TIME, AND AGAIN I HAVE ASKED FOR AN EXPLANATION, TO NO AVAIL. IT IS GOING ON 3 WEEKS NOW SINCE RECEIVING THE MESSAGE, BUT AN INQUIRY HAS NOT SHOWN UP FOR A NEW INQUIRY. I RECEIVED THE INQUIRY ON THE XXXX. OF XXXX. TODAY IS THE XXXX. OF XXXX. I AM WORKING TOO HARD TO RAISE MY CREDIT SCORE TO SIMPLY WATCH IT PLUMMET FOR NO APPARENT REASON. THEY ARE ALSO REPORTING ANOTHER FALSE INFORMATIONNPERTAINING TO CHIME. A {$240.00} BALANCE HAS BEEN REPORTED. I AM HERE TO TELL YOU, NOT EVEN CHIME HAS SUCH AN INFORMATION. I NEED THIS FOOLISHNESS TO STOP. AND I NEED THIS MATTER RESOLVED IMMEDIATELY. I HAVE LOST 17 POINTS FROM MY FICO SCORE DUE TO THIS ORDEAL. I HAVE BEEN GOING THROUGH A LOT WITH EXPERIAN. THEY ARE NOT THE KINDEST BUNCH AND THEY MAKE IT EXTREMELY HARD TO DISPUTE NEGATIVE ITEMS. AND THE LANGUAGE BARRIER IS OUT OF THIS WORLD., AND I'M A FOREIGNER MYSELF. 
I NEED THOSE XXXX POINTS BACK. UNDER THE FCRA EXPERIAN HAS VIOLATED MY RIGHTS. STOP DEDUCTING POINTS FOR NO REASON. THERE IS ALSO AN ACCOUNT FROM ALLY THAT IS NOT BEING REPORTED. I HAVE GETTING SEVERAL INQUIRIES REMOVED, NEVER ONCE DID MY CREDIT RISE. I AM CONVINCED THAT SOMEONE IS MANIPULATING/MESSING WITH WHATEVER MACHINE/COMPUTER THAT ARE ACCESSIBLE TO THEM.
Product: Credit card

On XX/XX/XXXX, I purchased flight tickets to travel on XX/XX/XXXX using my credit card. I received the confirmation from the airline with the reservation and ticket numbers and got a transaction charge on my credit card for a total value of {$220.00}. On XX/XX/XXXX, I arrived at the airport and was told that my tickets were cancelled at the counter because the airline couldn't confirm the payment. I showed them the receipt and the credit card statement, but they were not solutions at the moment. Considering I was travelling with my XXXX father and the urgency to travel that day, my only solution was to purchase new tickets on another airline for {$920.00} ( XXXX the initial value of the tickets purchased on XX/XX/XXXX ). After this stressful and frustrating incident, I called the airline to explain why they cancelled the tickets, considering I had all the information and the bank statement that the payments went through. The airline responded that they couldn't find an explanation and that they advised me to contact my bank and request a refund, that they couldn't proceed with the refund and compensation for the issue generated on the payment. I initiated a dispute with the bank to request a refund of the {$220.00} and compensation for what this caused me. I explained that the airline denied a service I paid for and also submitted a copy of all the notifications, emails, and bank statements. However, the dispute and investigation sent on XX/XX/XXXX indicated the transaction was valid and that they would not refund me. After several calls, I reopened the dispute case, requesting an explanation and a further investigation, but the result was the same ( received on XX/XX/XXXX ). Hence, I am requesting help from the CFPB to solve this case and to get a refund for the service I paid for and didn't receive. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked Experian to please remove the security freeze that is on my account. It has been longer than 90 days and it renewed on its on. I want it removed because I have trouble when applying for something online.
Product: Debt collection

Check-n-go representative contacted me to set up a payment arrangement. After I agreed, I found out that the account had already been written off. I filed a complaint asking them to remove it from my credit report. The account is being reported on my credit report as written of, which has severely damaged my credit. They also debited my bank account after it was written off. This is in violation of the Fair Credit Practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone is using my information fraudulently
Product: Mortgage

I filed for Chapter XXXX bankruptcy on XXXX/XXXX/2014. Ocwen has been reporting on my supplemental credit I have called over 30 times to get it resolved. I ; ve been given multiple answers to my question. I need help resolving this issue
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit reports it shows that Wells Fargo pulled my credit without my consent. That is a violation of my privacy. I did not authorize this inquiry.
Product: Credit reporting or other personal consumer reports

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigat
Product: Debt collection

I am not certain where to report this, as it was not an option in the drop-down. I chose the closest issue that was available. 

I have noticed a recent, unauthorized, credit inquiry from a notorious debt collection firm called Hunter Warfield on my XXXX report, and I am taking the proper actions to have this resolved. I was n't contacted for this inquiry, nor did I give any authorization for this inquiry. I hope that this is an issue that can be resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX Account number:XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by XXXX XXXX. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Product: Debt collection

I had vacated my apartment on XXXX/XXXX/XXXX. on XXXX/XXXX/XXXX Hunter Warfield had sent me a notice saying I still owe {$1300.00} to the Landlord. I had asked for an explanation as I had never received any initmation to that effect from the landlord. Hunter Warfiled sent me a mail dated XXXX/XXXX/XXXX giving the break up of the said amount. This included items like damages to the property etc., As I was not aware of any damage to the property, I had sent them a certified post asking for proof on XXXX/XXXX/XXXX within 30 days of the receipt of the mail. I never heard from Hunter warfield till date. But they have sent a notifications to the credit monitoring bureaus which has resulted in a huge drop in my credit score.
Product: Credit reporting or other personal consumer reports

Please remove these inquiries. I have no knowledge about them, and the company acted without my consent.
Product: Checking or savings account

I am filing a complaint against Robinhood for their egregious mishandling of my account, leading to financial loss and immense frustration.

After a period of inactivity, Robinhood imposed so called " robust security measures, '' requiring me to verify my identity. I complied fully, providing every piece of documentation they requested. Despite this, after weeks of back-and-forth and wasted time, they unilaterally decided to close my account. As a senior retiree on a fixed income, I am not even sure if I will ever see my hard earned money again.

Instead of facilitating a proper withdrawal, Robinhood has taken the outrageous step of subjecting my funds to escheatment, essentially holding them hostage. This is despite my repeated efforts to cooperate and provide updated banking details. When they attempted to send my funds to a long-closed account, I followed their instructions and obtained a bank statement proving the account was no longer active. I also provided a recent statement from my current, valid checking account at XXXX. Yet, Robinhood still refused to add my new account and continues to block access to my funds.

To make matters worse, they liquidated all of my investment positions without my consent, causing a significant financial setback. Their process is not only inefficient but entirely unreasonable, demonstrating a complete lack of competence and accountability in handling customer assets.

I urge the CFPB to take immediate action to investigate Robinhoods handling of this matter. Their actions are unacceptable, and I fear that if they are allowed to continue these practices, many other customers will face similar financial harm.
Product: Mortgage

Me and my partner had accepted an offer a person buying our house on XX/XX/XXXX or placed it under contract. During. The process my partner sent the title company and our realtor my wrong email and phone number which was the beginning of the problems. I got my info corrected but when I was in the process I was constantly left out of communication. On XX/XX/XXXX we went to sign closing documents even though the closing date was the XXXX which I enquired about and I was told it was normal. The XXXX  documents I saw after the closing date where we signed paper work had been altered. I had requested my name to be put in as the seller of the house when my name was listed as an andendum section. 
I did not want to sign the documents but somehow still got the Check in the end. 
It may seem weird that Im reporting when I got a check but something here is off. I had to turn on my location services for docusign but then when I looked at the reporting it said my phone never had location services on but my partners did, which was a change from previously. The dates did not match on docusign they said he had signed a month earlier basically. 

So the big problem is all the changes I requested in Person when signing were not reflected on the docusign disclosures I received after the fact and did not sign. But still got paid???
Product: Credit reporting or other personal consumer reports

I am writing again because Im fed up with the lack of action regarding the accounts on my credit report that are still in litigation. Ive contacted you repeatedly to address this issue, but nothing has been resolved.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

they have two other address thats showing on my credit report that i never lived at before my only address should show XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance {$1000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$680.00} XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

on or about XX/XX/2020 I requested a copy of my check system report I discover several errors. including fabricated name and address by check system name I never use in the past included XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and many more, but the check system refuse to correct my personal information
Product: Credit reporting, credit repair services, or other personal consumer reports

There are incorrect Information reporting on my credit report. There are fraud accounts reporting and incorrect personal Information. 

Incorrect Address Information : XXXX XXXX XXXX and XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX The following account is reporting as a result of fraud : - XXXXXXXX XXXX  ( Experian & XXXX ) ; Bal : {$640.00} - XXXX XXXX XXXX  XXXX - ( Experian ) ; Bal : {$270.00} - XXXX - ( Experian ) ; Bal : {$0.00} - XXXX XXXX XXXX  - ( Experian ) ; Bal : {$990.00} The following public records are not mine : Chapter XXXX - Dismissed XXXX date : XX/XX/2015
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX have reached my limit on waiting on a response and I feel these accounts are adversely affecting my credit report and cost me thousands of dollars in interest every year. This is not a regular dispute I'm ready to filed a complaint with the Federal Trade Commission and XXXX XXXX XXXX because to my knowledge I do not recall any of these accounts. Its been over 60 days and I need these problems fix ASAP I will not wait another 50 days to receive no response because clearly, I am being ignored. I demand these accounts to be deleted immediately, or I will file for litigation due to the stress you cost me. Thank You
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information 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 a personal credit card account opened at XXXX  XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX  XXXX XXXX on XX/XX/XXXX with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and 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 FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

An unpaid co-pay of {$25.00} was sent from XXXX to Penn Credit Corporation. 

I sent them a check immediately. 

I have a copy of the cancelled check. 

They have continued to mail me threatening notices and made frequent calls to my cell phone. 

I have written to them, including a copy of the cancelled check, to prove that the debt os paid.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX XXXX XXXX  - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX  XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX  XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX  XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX  XXXX XX/XX/XXXX XXXX XXXXE XX/XX/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 or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX 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 It also states a consumer reporting agency can not furnish an account without my written instructions..
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash app and block ink due to inadequate customer service, and unfair practices which violate 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 and resolution process was unfair and deceptive as they did not comply with error resolution requirements under electronic funds transfer act and regulation E. These acts have caused a 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 submitted a letter to the Experian XX/XX/2022 to remove these suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, and I'm including it again. 

XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to a dealership to apply for a car they advised they would only run my credit for XXXX XXXX but they ran my credit through numerous companies. these are the inquries 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: Student loan

I wrote this email to Representative XXXX XXXX on XX/XX/2023 that explains the situation. I thought the issue was resolved in XXXX, but after counting two payments its back to the way it was. MOHELA seems to be willfully not counting my payments. Please see below : Hello Rep. XXXX, I am writing you today at my wits end. I am enrolled in the Public Service Loan forgiveness program through the Department of Education that has unfortunately made MOHELA my loan servicer. This has been far and away the most challenging and frustrating experience I have ever had with any financial payment system. The program is such that your student loans forgiven after 120 qualified payments at a 501c3 or government agency. Initially they were counting XXXX of XXXX eligible payments. Then XXXX  Then XXXX. Now it is XXXX.

I have called them for over 8 months ( well before the busy season happened and payments were due ) and they have not been able to figure out my issues. I call, message, call again, they write notes, I take names of people, I submit and resubmit paperwork. Each new time they make me resubmit it takes months for them to process it and I receive 0 correspondence, they confirm my address every time. The Department of Education Ombudsman closed my case and never responded to it initially without giving a reason why. 

MOHELA is in no position to handle this federal contract. The Department of Education is in no position to handle the continued XXXX XXXX on the part of MOHELA. Please help.