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

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXXXXXX now.with no help.
Product: Debt collection

On XX/XX/XXXX, a debt collection popped up on my credit report for a XXXX XXXX. I have never received any notification via mail, email or phone call from XXXX XXXX regarding any owed bills. The debt was sold to XXXX XX/XX/year> according to my credit report. XXXX has made no effort to contact me from XXXX through XXXX regarding the debt before reporting on my credit as a collections account. The only contact I have received was from XXXX yesterday XX/XX/year> during work hours when they tried to call me regarding the debt. However this was after they had already reported on my credit as a collections account. Neither company has made any attempt to contact me to allow the opportunity to review said XXXX and any discrepancies.
Product: Credit reporting or other personal consumer reports

I have attempted multiple times to resolve the reporting issues with this CRA, to no avail. I have attached a detailed description of the issues and violations of FCRA, METRO2 & CFR. I demand an investigation and resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : o XXXX XXXXXXXX BANK XXXX XXXXXXXX Balance {$360.00} o XXXX XXXX XXXX {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX {$0.00}
Product: Checking or savings account

On or about XX/XX/ly 13th, 2023, Robinhood improperly locked my brokerage account without proper justification. The lockout was based on an incorrect interpretation of my location during a routine login attempt. I had logged in while on vacation in XXXX, which is not a Sanctioned Jurisdiction, as incorrectly assumed by Robinhood.

Subsequent attempts to clarify my location and resolve the matter were met with significant delays and unresponsiveness from Robinhood. 
As a result of the account lock, I have been unable to access my brokerage account and the funds held therein ( approximately {$10000.00} ), which is causing extreme financial hardship. The majority of my savings are tied up in this account, and the inability to access these funds has resulted in extreme stress and an inability to cover essential living expenses, including tuition, rent, and other basic necessities. 
Robinhood was grossly negligent with my request for assistance. It took over a week to receive an initial response from Robinhood, and it was a request for more information. It is important to note that there was no other way of reaching Robinhood from my end. Their support phone number plays an automated message before hanging up, and the only other method of contacting support is through the app. I was unable to do this because Robinhood locked his account, thus preventing me from signing in.

As of XXXX XXXX, Robinhood has still failed to unlock my account, despite me sending in all the necessary materials to resolve the issue. I have attached a picture of the false accusation, along with proof of their faulty email server, which made it extremely difficult to contact their customer service.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act ; XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States that i have the right to privacy.

15 U.S.C 1681 Section 1604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit card or prepaid card

on XX/XX/23 I lost my pre paid debit card. I last used my card at a gas station for {$5.00} earlier that day. I realized I lost my card later that same evening. I called the prepaid customer service to report my card lost and to order a replacement card. I then realized several fraudulent transactions had taken place while my card was lost. The list of transactions are : XXXX {$1400.00}, XXXX {$1700.00} XXXX {$100.00} XXXX {$100.00} and XXXX {$31.00}. I filed a dispute ( Dispute # XXXX ) .That is a Total of {$3400.00}. I received a credit for {$700.00} on XX/XX/23 and then a second credit for {$720.00} on XX/XX/23. that is a total of {$1400.00}. That leaves a remaining balance of {$2000.00} of my dispute that has not been refunded. I have reached out on several occassions to rectify the situation. I still have not heard from the bank as to why they would only give me a partial credit for the same dispute. Can the CFPB help me?
Product: Debt collection

( 1 ) On XX/XX/2020, they mailed me a letter ( a copy is attached ) " to ensure [ I ] received a payment check for {$210.00}, as [ their ] records indicate the check has not been cashed ''.

( 2 ) I called them around XXXX XXXX  on XX/XX/2020 and informed them that I have not received the money. I was told that I would received the check within 30 days. However, I did not receive anything ( 3 ) I called them on XX/XX/2020 around XXXX XXXX and they insisted that my check was cashed. This is completely false/lie and I swear that I did not get the check. I asked them for a proof and they told me that they would send it by mail. However, I did not receive anything. I filed a fraud report and they gave me a case # : XXXX. I am supposed to get back from them and I never heard anything back. I feel that they are just wasting my time and want me to get sick and forget. However, this is completely unfair and I believe it is important that my story is published online and people know about it.
Product: Debt collection

I pulled my credit report a couple of weeks ago. I saw a debt that was being handled by Account Recovery Services representing the Creditor XXXX XXXX.I called ARS on Monday XXXX XXXX and was told XXXX XXXX was handling my account and he wont be in until Thursday XXXX XXXX. I asked to speak with someone else and they said I am not allowed to speak with anyone else. They transferred me to his voicemail and I left a message. I called XXXX on Thursday and I was told I owed a debt to XXXX. I asked what are my options and if he has any papers showing the cause of the debt. XXXX replied he can get that information for me by reaching out to creditor. He also said I can negotiate the debt. I said how much? He said it doesnt work that way. I would have to say a number and then he will take that to the creditor ( XXXX ) and then would let me now if they accept. We ended the call with the next steps of getting why and what i 'm being charged and what XXXX would accept. On Monday XXXX XXXX I received a letter from ACR/XXXX showing me a ledger of fees broken down that I do not agree with. I asked him if he talked to XXXX about negotiating and he said I would have to talk with them directly to negotiate. I said why since you own the debt? XXXX replied that is " an urban myth '' that 80 % of collection companies do not own the debt. I said o.k. who do I call? He replied XXXX @ XXXX XXXX XXXX. I said who is XXXX? He said he works for XXXX. I said if he negotiates do I pay him or you? He said pay XXXX. ( I feel this is weird ) I ask XXXX to send me a letter stating this is what he wants me to do and he stated " I am not going to do that ; I am being difficult ; this call is being recorded ; and if you do n't want to do it I suggest you let it stay on your credit report until XXXX when it will drop ''! My mouth dropped open. I called XXXX on Monday XXXX XXXX and left a message. No response. I called XXXX on XXXX XXXX and no response. No voicemail to greet you just rings and goes to voicemail. When I XXXX XXXX 's number the BBB has it registered at a REALTY company. XXXX got sold a couple years back and the new ownership did not take their debt. Who is XXXX??? Why ca n't I negotiate this debt? Why is ARS not telling me or giving me the accurate information to the creditor? Please help me as this is hurting my credit and no one is helping. Also this debt was incurred for 1 months rent for about {$800.00} and they want {$3900.00}. Debt happened in XXXX/XXXX/XXXX did n't go on credit until XXXX/XXXX/XXXX. I called State attorney generals office and talked to XXXX who said she did not know the statute of limitations. I called the FTC reference # XXXX and they said call CFPB. I just received a phone call from XXXX. Same number that is in XXXX 's e-mail. It is XXXX XXXX XXXX. XXXX ( the controller ) was the representative I talked to and said XXXX was in charge. She asked me what I would be willing to settle and I told her XXXX was all I could afford because I only owed 1 month of rent and I am not working. Her next step was to call XXXX and to let me know hopefully by tomorrow if he can accept and update credit report through ARS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm having issues with the credit bureaus updating my current address and removing ones that are not mine especially because i've been a victim of identity theft and want to make sure my mail does not end up in the wrong hands again. It's been a total nightmare.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the reporting of the XXXX XXXX account ( Account # XXXX ) on my credit report. Both XXXX and Equifax have made multiple updates to this account, yet the discrepancies remain unresolved and continue to negatively affect my creditworthiness. 

Here are the key issues with this account : Repeated Updates : The account has been updated twice within a short period, yet the reported information remains inconsistent. This suggests potential errors or a lack of thorough verification. 
Inconsistent Details : XXXX and Equifax report conflicting information regarding the " Date of Last Activity, '' " Creditor Remarks, '' and " Dispute Status. '' Such inconsistencies cast doubt on the accuracy and reliability of the reported data. 
Account Status : Both bureaus continue to report the account as a " Charge-off, '' despite its closed status. These repetitive updates cause confusion and undermine the integrity of my credit file. 
According to the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure that the information they report is accurate, complete, and verifiable. Given the ongoing errors and lack of resolution, I kindly request that this account be permanently removed from my credit report. 

XXXX and XXXX as both removed this unverifiable account. 

Equifax was sued for unlawfully failing to properly investigate consumer disputes. The CFPB alleges that Equifax does not take sufficient steps to intake, process, investigate, and notify consumers about consumer disputes, resulting in the inclusion of incorrect information on credit reports. Inaccurate or false information on consumer reports can threaten consumers and XXXX this can easily be your company. 

Enclosed are the following : A copy of my credit reports highlighting the disputed account. 
A copy of my identification to verify my identity. 
A copy of dispute resolution with XXXX and XXXX Please investigate this matter promptly and provide a written response detailing the actions taken. Also, I would like to see a complete list of all documents and correspondence. Please include all names and contact information of employees that you spoke to as a part of this investigation. Clearly, you just pushed my dispute through XXXX because you could not have read this dispute and continued to report against the FCRA. If the information can not be verified or corrected, I request the immediate deletion of this account from my credit file. 

Thank you for your time and cooperation. I look forward to your response.
Product: Credit reporting, credit repair services, or other personal consumer reports

In regards to the Equifax breach, I have been trying to enroll in the protection plan. However, they are making it unduly cumbersome and is beginning to feel like an exercise in the quixotic. 

I signed up a week ago. The website told me to go to another website in 5 days to complete the process. There were no originating or follow up emails - instead I copied the link and added a reminder in my calendar. I went back to the linked website on the day that it would be ready and effectively had to repeat what I did the first time. This then took me to a second step wherein I had to submit all of my private information. After completing this step, the website stated that I would receive an email to confirm my sign up. An email that I have still not received. 

This is a ridiculous process and one which I highly doubt is nearly as cumbersome if I were to just pay for the service at a different time. ( On a side note it is also ridiculous that this protection is only being offered for one year where I believe 10 years should be required. On a second side note I truly hope that Equifax and all it 's ( previous ) shareholders are held to account ). 

Thank you.
Product: Credit reporting

After requesting validation from XXXX XXXX and receiving no response I pulled my credit report. On XXXX/XXXX/XXXX XXXX XXXX account XXXX balance was deleted from my credit report. However on XXXX/XXXX/XXXX the XXXX XXXX account reappeared on my credit report as account XXXX. 
I received XXXX from XXXX XXXX XXXX. XXXX/XXXX/XXXX sent dispute to Experian regarding invalidated debt reappearing on my credit, duplicated account and cancelled debt being reported. As of today I have not received a response and credit report pulled XXXX/XXXX/XXXX still shows duplicate account along with debt balance for which I paid federal taxes on.
Product: Credit reporting or other personal consumer reports

I am writing about the ongoing issue regarding the removal of fraudulent items from my credit report. Despite providing all necessary documentation and following the prescribed procedures for disputing inaccurate information on my credit report, the items remain unresolved, causing significant distress and impacting my financial standing. I understand that rectifying such matters can be complex, but the repeated failure to address this issue is deeply concerning. The presence of fraudulent items on my credit report not only misrepresents my financial history but also undermines my creditworthiness and ability to access financial opportunities. I urge you to help me escalate this matter internally and allocate the necessary resources to expedite the removal of these fraudulent items from my credit report. Additionally, I request a thorough review of your company 's procedures to prevent similar inaccuracies from occurring in the future. I expect regular updates on the progress made towards resolving this matter and a commitment to transparent communication throughout the process. Furthermore, I insist on compensation for the damage caused to my creditworthiness and the inconvenience and stress I have endured as a result of this ongoing issue. Please help me remove these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I am filing a complaint with the CFPB regarding to capital one failure to deposit my direct deposit from my employer and any other incoming deposit. Capital one has cited technical issues, which May violate the Electronic funds transfer act ( EFTA ) as it requires timely access to funds.This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you
Product: Credit reporting or other personal consumer reports

All address should be removed except for current address that is updated. All names should be removed except for the name that has been updated.
Product: Credit reporting 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 XXXX XXXXXXXX : Account Number : XXXX  Account Name : XXXXXXXX XXXX  XXXX : Account XXXX Account Name : XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 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

This company has barred me from getting my credit report online for the past 5 years. IT is a personal vendetta of this company that unless I am complaining they are constantly reporting false inquiries or false employment or changing creditor information to drop my credit score on purpose. I have been unable for 7 years to get a new apartment or buy a house because of the lies they are reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting and XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX  XXXX, Account # XXXX XXXX XXXXXXXX XXXX, Account # XXXX XXXX XXXXXXXX XXXX, Account # XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX, Account # XXXX Bankruptcy XXXX XXXX-dismissed, Account XXXX, have 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1.FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
2. FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

Good day, I am the victim of identity theft. This information appears on my XXXX XXXX Report and is not related to any transactions I've completed. 

Please remove the identity theft information from my XXXX XXXX report in accordance with Section 605B of the Fair Credit Reporting Act and notify all those who provided it. 

Please find attached a copy of my XXXX XXXX, got from them. Fraudulent items are outlined. Please find attached a copy of my identity theft report and proof of identification. I appreciate your prompt response to this issue and look forward to hearing from you.
Product: Credit reporting

i was hit by a XXXX driver in XXXX and the ambulance fee wasnt paid in time but i was suing the insurance company to get all fees paid so the ambulance fee didnt get paid in time. im trying to get this off of my credit record.
Product: Credit reporting or other personal consumer reports

I am NOT liable for the debt with XXXX CXXXX XXXX XXXX I do NOT have a contract with lvnv funding LLC, they did NOT provide me with the original contract as I requested.
Product: Debt collection

Every 4 to 6 months, these debt collections show up on my credit report. They are always from the same companies. These are XXXX XXXX XXXX and XXXX XXXX. This has been going on for several years. At first, I was disputing them. I never received any information on action taken or why they were there. After a month or so, they would just magically disappear. Lately, I have been ignoring them and the same thing eventually happens. The problem is that these reports are destroying my credit ability. Are these different agencies not responsible for keeping records of these transactions and letting me in on what is going on? I am at the end of my patience. I was so glad when I found out about this place where I could get help. The agent I first talked to was very helpful and very patient. His name was XXXX, and I am very grateful to him for his assistance.