23daVinci/CFPB_Complaints huggingface dataset:
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 XXXXeporting 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX under the account XXXX XXXXXXXX with a balance of {$800.00} that appears related to the aforementioned personal loan account opened at XXXX 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: Checking or savings account

My father XXXX XXXX had an account with Sun Trust Bank. He passed away on XX/XX/XXXX. I was listed as POD on his account. On XX/XX/XXXX I tried to see how much was in his account online to see if he had money to pay for cremation. Somehow, Suntrust banks ' online system allowed to create a second account in his name with all the money moved to it. I reached out to Ms. XXXX XXXX at the XXXX XXXX XXXX to enquire how to solve this problem. She instructed me to send a certified copy of death certificate and notarized letter to Sun Trust in XXXX XXXX VA. The bank received it on the XXXX of XXXX. I was assigned a client advocate, Mr XXXX XXXX, number XXXX, who is tasked with resolving this. He stated that because it's fraud, I have to come to Maryland ( which is the closet branch of bank ) and deal with it in person. I told him, I live in XXXX, do not own a car and do not have the money or resources to get there. All I am asking for is for someone to help me close my father 's account so I can pay for cremation. It's now XX/XX/XXXX and Sun Trust Bank is still holding my dead father 's money. I need help to get this resolved. PLEASE
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2007 ; XXXX XXXX  XXXX Balance : {$700.00} ; XXXX  XXXX Balance : {$440.00}.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cashapp. ( Block, inc. ) Due to inadequate customer service and unfair practices, which violates the consumer financial protection act. ( CFPA ). Specifically, cashapp failed to take timely action due to effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, and they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) in regulations E. These actions has caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

There is an app, company called XXXX and Ive been current on the payments Within 30 days. 

However, on at least four occasions they have sent a debt collector called Real Time solutions, Inc to collect. They claimed they have the right to collect payments, but they are not 30 days overdue every month. 

They are harassing me and using scare tactics for no reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached a copy of the Consumer Financial Protection Bureau order of 2015 pertaining to the collection process on medical debts. This federal agency has levied millions in penalties against several medical collection agencies for abusive collection practices since the 2015 mandate that consumers must be granted 180 days-notice that any or all medical debts can not be posted against a consumers credit report. What this entails is that I as an American consumer needs time to either settle a medical collection before said collection gets posted on my credit report, or that my medical insurance carrier had enough time to resolve the collection either in full or by any sustained factoring agreement in place with the medical servicer, be it a physician, clinic, ambulance service or hospital. That has not been the case in the attached medical collection ( s ) posted on Experian, XXXX  and XXXX XXXX respectfully. Since the 2015 agreement between the Consumer Financial Protection Bureau and all three credit reporting agencies, medical collection agencies have violated this agreement in its entirety. Having established that there is a specified procedure in place on medical collection postings on a consumers credit, it is a fact that most if not all medical collectors are in violation of their subscriber agreement with the major credit reporting agencies. Since my rights have already been violated by the collection agency stated in this complaint, the collection should be VOID completely. I am not disputing any factual conclusion if I was even given medical attention, just stating that my personal credit history has been damaged by an unlawful collection practice. I should be entitled to damages for the overall cost involved with what would otherwise be a perfect credit history. Accordingly, I respectfully request for the disputed medical collection ( s ) to be deleted permanently, and if this particular collection agencies needs a remedy for collection, it has abused the credit reporting system by violating my rights. In my opinion the only recourse at this time would be moving forward through other collection processes outside of the Fair Credit Reporting Act. The disputed collection must be deleted permanently, and the Consumer Financial Protection Bureau must sanction and fine the agency for its abusive actions. The credit reporting agencies should also terminate the subscriber agreement if place. My dispute is based on material facts and current policies on medical collections. The attached disputed collection ( s ) should be deleted permanently without any right to reinsert from this point forward.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I mailed a dispute letter to Equifax to dispute 5 different inaccuracies on my credit report. I did not hear anything. I then called on XX/XX/18 to see if they had received the letter. I was told that my profile could not be accessed and to call later on because maybe its not accessible due to updating. I called again on XX/XX/18 because I had not heard anything about the issue and was told to just fax the letter again. It is XX/XX/18 and I have not received results from my original dispute, can not pull my Equifax report from XXXX, and Equifax is saying they can not access my information due to updating nor can they send me an updated report.
Product: Debt collection

On XX/XX/2018 at XXXX we received an automated message ( XXXX ) from XXXX XXXX XXXX for XXXX XXXX asking him to call XXXX and reference Acct # XXXX with zip code XXXX. 

We tried to reach out to the company to have them stop calling us but the calls could not go through
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX 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 or other personal consumer reports

These items are totally illegal and needs to be removed from my credit report ASAP. I never authorized any of these accounts or inquiries. Please remove these items off my report. 

These accounts are not only illegal but past the statue of reporting. I have been a victom of identity theft and this needs to be removed. Please remove these illegal unauthorized collections off my report. 

XXXX XXXX {$370.00} XX/XX/XXXX XXXX {$520.00} XX/XX/XXXX XXXX XXXX XXXX {$1500.00} Date Opened XX/XX/XXXX Inquiries XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX
Product: Debt collection

I can not get these people to stop calling my home phone they call repeatedly looking for someone I do not know XXXX I am at my wits end with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize ( XXXX Inquiry from XX/XX/XXXX National Credit Card Cos.

XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX National Credit Card Cos.

XXXX Inquiry from XX/XX/XXXX Miscellaneous XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX XXXX Inquiry from XX/XX/XXXX Credit Unions XXXX XXXX   Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX All Banks XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Personal Loans Cos.

XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, New XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Telephone Companies XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, New XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX Credit Unions XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX  Inquiry from JXX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies )
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my credit report from the three major bureaus and discovered several errors with the reporting by XXXXXXXX XXXX XXXX XXXXXXXX. 

The XXXXXXXX XXXX XXXX XXXXXXXX tradeline shows several late payments across the three major bureaus. The alleged late payment dates are listed in Exhibit B. These alleged late payments are invalid, inaccurate, not timely, and carry no documented evidence of their existence. To the least, they have not been authenticated as required by the FCRA. 

XXXXXXXX XXXX XXXX XXXXXXXX is damaging my character, creditworthiness, and wellbeing by falsely reporting those non-compliant unverifiable late payments on my credit report. 

Under the FCRA, a consumer has the right to request certified proof of any information reported to the credit bureau by a data furnisher ( XXXX XXXX XXXX XXXX ). I hereby request that XXXXXXXX XXXX XXXX XXXXXXXX provide me with certified proof to justify your reporting these several alleged late payments. 

I am specifically requesting for certified proof that your company complied with the FCRA and all its mandated rules when it comes to reporting accurately. 

If XXXXXXXX XXXX XXXX XXXXXXXX does not or can not provide this required proof, I demand that the Alleged late payments listed in Exhibit B be DELETED from my credit report immediately. ( Copied from attached affidavit ) ****
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi Transunion has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX  has me at a credit score over XXXX. transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX my XXXX  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 transunion 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 Transunion. 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 Transunion more than 21 times. transunion 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 and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
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 Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account XXXX : XXXX has violated my rights. Or the 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 an 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 or 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: Student loan

Navient is a criminal organization, they practically force you to make a payment VIA routing and account number. In order to pay by debit card you have to request a call back. They do not allow credit card payments what so ever. Navient was just recently sued for unethical practices like this. 

What is criminal is that they will not provide an amoritization schedule so I can plan to make more efficient payments on my loans. Theu rrfuse to provide this report because of special circumstances which they can not even explain. Navient does not want students to pay off their loan balances. Naveint expects students like me to pay interest until the day I die.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  has wrong address and wrong information
Product: Credit reporting, credit repair services, or other personal consumer reports

I have fallen victim of identity theft as a result of the 2017 XXXX  breach. This has taken a toll on my mental health and has affected the quality of my life. Please remove fraudulent accounts.
Product: Vehicle loan or lease

Not long before I filed for divorce, my husband and someone using my identity applied for a loan with Mercedes in my name, and the name of my husbands company that I was not part of, without my knowledge. All mail regarding this account was being sent to my ex-husbands house. The account was opened on XXXX  are date of separation was on XXXX  when I moved out of the marital home my personal belongings remained in the home until XX/XX/XXXX. Our divorce was final on XXXX He died on XXXX. After his death, I started receiving his mail. I received something saying my car was going to be repossessed as I was in default. I didn't know I had a car loan in my name. I immediately took the car back to Mercedes. 

I did not work during my marriage because my husband wanted me to stay home. I did not receive any income. I wouldn't have qualified for any loan. I have tried to get the voluntary repossession off my credit report. I didn't apply for any loans. I was a victim of identity theft. This account only reports to XXXX. That is the only credit bureau I wasn't monitoring. For that reason, I was unaware of this account until my credit was pulled while applying for a mortgage. 
I have received a copy of the original application from MB Finance who was able to get it from the dealer, even though the dealer said they didnt have anything on it. I am attaching it to this complaint. You will see five completely different signatures on the same page. I filed an identity theft claim REF # XXXX that I have filed listing this account. MB finance says they can't do anything about it if it was fraud at the dealer. They referred me back to the dealer to get it taken care of. I have spoken to several people in the finance department including XXXX and XXXX. I have left messages for their finance director without a returned call. The dealer says they can't do anything about it as they don't have the documents anymore, due to this account being aged. They say it would need to be rectified by the finance company. I have spoken to multiple people both at the dealer and the finance company and have not received any resolution to this problem. 

I am told that 7 years from the date of last activity, the negative remarks should be removed from my credit report. That means, this month on XX/XX/XXXX, the account should have fallen off my credit anyway. However, now the date of last activity has been updated to XX/XX/XXXX. Per MB Finance ( XXXX ), the car was voluntarily surrendered in XX/XX/XXXX. No further activity has occurred on the account yet per Financial they re-reported it on my credit on XXXX they have not sold the debt and could not give me an answer s to why they re-reported it to only 1 credit buare, they stated it may have been a mistake but there is nothing they can do about it now. So why does it now say XXXX It does coincide with the last date reported.
Product: Credit reporting

I had the XXXX card so long ago and the account was closed and I want to know wits still showing up on my credit report, should n't it have already been removed ...
Product: Credit reporting, credit repair services, or other personal consumer reports

Personal information may have been impacted.
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage was purchased by, and transferred to LoanCare on XX/XX/2019. I chose to refinance my mortgage with a different lender before the 60 day grace period was up. I didn't make any payments to LoanCare, since the 60 day grace period would end after the Mortgage was paid in full. On XX/XX/2019, LoanCare reported a Delinquent Account to credit agencies. My loan with them was paid in full on XX/XX/2019. 

I contacted them to ask why they had reported that, they said they didn't know. I asked if they could remove that report, they said they would escalate the complaint and a manager would contact me, I have not been contacted since. This has severely affected my credit rating. I am working on disputing with the credit agencies, but think they should be held accountable for reporting this during the mortgage transfer process, and 60 day grace period.
Product: Checking or savings account

On XX/XX/2023, I had the proceeds from the sale of my home transferred to Robinhood financial LLC. 
Due to accumulated debts that I was paying through XXXX XXXX  and XXXX, I reached the " monthly spending limit '' by XX/XX/XXXX of 2023. I had no access to my funds, my life savings if you will. I begged and pleaded Robinhood to allow me some way to access my money and they denied me access to any of my money. I told them I was hungry and didn't have money for food and had gone days without eating. My dog needed veterinary care and medicine and died a horrible death with pain and suffering. I emailed pictures of my dog laying in his own XXXX due to his inability to stand. It hurt me so much to watch my dog suffering when I had money with Robinhood and they wouldn't allow me access to it. I was getting evicted and expressed this to Robinhood staff and they didn't do anything. I was upset and cursed at them. They told me they were going to close my account and sold over XXXX XXXX dollars of stocks without my authorization. A clear violation of the laws that govern brokers. 
Finally on XX/XX/XXXX or so they lifted the restrictions like nothing had ever happened. After I had to pick food from the trash, after my dog suffered until the apartment I live in called animal control because I was being evicted. After I accrued debts with friends and family and relationships were torn apart because I wasn't able to pay them back when Robinhood had told me ; 7-10 business days.

After my reputation is damaged. They're actions and then inactions and negligence caused me to suffer greatly financially, emotionally, my mental health has been damaged, reputation tarnished. I had to stop pursuing custody of my son because I needed my attorney to refund me money for bills.

Robinhood is responsible for so much suffering in my life. They sum it up to the fees and losses that are on paper they refuse to acknowledge all the injury that they must be held accountable for.