23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

On XXXX i sent this company a notice to opt of out any and ALL authorization i may have previously given allowing them to share any of my information with any 3rd party companies. They are still reporting to the credit reporting agencies. Therefore, not honoring my request! Per 15 USC 6801- 15 USC 6805, 16 CFR 313.7, privacy act of 1974 i have rights as a consumer that i chose to exercise.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft i have noticed inquires on my credit reports that i did not do. I filed a police report to file a complaint to report it. I have inquires on my credit reports that wasnt by me. I wrote called, sent certified letters & copies of my police report disputing the inquires. & they still Have not been removed it have been more the 4 months. The following inquires are : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX Discover XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

PMAB LLC has been calling me weekly about bills from XXXX XXXX XXXX Hospital. I filed a complaint with the Medical Director, of the hospital, because of inappropriate treatment in the Emergency Room. I  was told that the charges {$54.00} and {$500.00} would be removed from my account. Last year PMAB started calling me and I informed them about this issue and told them to stop calling me. I also explained that I am living in Social Security in a HUD subsidized building and an trying to get my medical expenses corrected. They haven't stopped calling, plus my XXXX credit score has gone down 36 points. I filed a dispute with XXXX and they removed the accounts from my file. I want to stop the phone and mail harrassment. All the accounts they have are medical. Please help me.
Product: Money transfer, virtual currency, or money service

I've been using Robinhood for a couple of months now and so far it's been great. The problem started last Wednesday on XX/XX/XXXX after I wired in some money ( {$5500.00} ) from my bank into my Robinhood account. I was going to buy some cryptocurrency ( XXXX ) and then send it to my external wallet address on another platform. I've done this before without issues in the past. Robinhood has a policy that only allows a user to send out cryptocurrency in a XXXX period and the maximum amount to send is {$5000.00} crypto. The prior day on XX/XX/XXXX I had sent out crypto a few times to the same external wallet without issues. I contacted Robinhood live support to ask a simple question of whether I needed to wait for the last time that I sent out on the XXXX ( around XXXX Pacific time ) before I can initiate a new transfer. Immediately, the support person started asking me all kinds of questions such as which platform are you sending this to and flagged my account for security and restricted my account. They did not give me any explanation as to why they saw this as suspicious. 

Since then, I've reached out to Robinhood support almost every day asking for an update. On Monday, XX/XX/XXXX, I spoke with their Customer Support and they asked me a series of security questions and also had me submit a copy of my driver 's license and send in a selfie, which I did immediately. I have not received any further updates from their security team and every time I speak with their support, I am just told to keep waiting until their security team lifts my restrictions. 

This is now beyond XXXX business working days and my money that is sitting in my Robinhood brokerage account is stuck. I am not allowed to withdraw back to my bank. I can not do any trading or sending of my money. It's completely locked out while Robinhood is holding my money hostage. Other exchange platforms try to resolve this within XXXX business days. At this point, I find their security protocol and communication to their clients completely inefficient and lackluster. There is no way for a customer to speak with someone in their security team, nor do they provide any further details or updates on my account situation. How much longer do I have to keep waiting before I can get access to my funds? I am seriously considering taking my business elsewhere once this is resolved. 

Please work with Robinhood and urge that they come to a resolution as soon as possible. If they do not want to lift the restrictions from my account, then at least allow me to withdraw all of my money back to my bank. That's the least they can do instead of letting my money just continue to sit there and preventing me from getting access. 

Thank you, XXXX XXXX
Product: Credit card or prepaid card

I called company to close account and payoff amount on XX/XX/XXXX. I then made the payment amount of the " total payoff amount ''. However, after the account was closed on XX/XX/XXXX, they applied new charges that they neglected to include in the payoff amount. They neglected to add in the correct " interest '' and left off one of the " pending '' charges that was made on XX/XX/XXXX. I called the company and they confirmed, that they made a mistake, and they should have included that pending charge and that they did calculate the interest incorrectly.
Product: Credit card

The statement I receive in the mail from Chase for my Amazon credit card includes my full account number. I contacted Chase and requested that this be changed - it has been months and my current statement still shows the entire account number. Mail is not always delivered to the correct address and this seems to be a security problem that could and should be corrected. If it is an attempt to coerce customers into receiving a digital bill - I believe I have the right to receive a paper bill that does not include my full account number.
Product: Bank account or service

I will mail you all this I am having problems with XXXX banks and thier debit cards due too the theft of my wallet wich i filed a police report and did every thing they asked of me, The XXXX banks are XXXX of XXXX, IN. XXXX. Wich I have already filed a complaint with the OCC. the XXXX. they rewferd me too you. the other banking issue is with COMERICA BANK. which finances the debit card by DIRECT EXPRESS debit card program. XXXX XXXX XXXX XXXX, TX. XXXX. This is the XXXX I am wishing you will help me with now and I am mailing some papers.pertaining to this dipute which they refuse to honer their phone is XXXX dispute # XXXX I have done every thing they have asked even sent copies of pertinent paperwork by certified mail. they have always given me the runaround. even going as far as giving me a fax number which they said they did not receive. I faxed it again, all at my exspence. then when I called them again another representative on the phone said they do not accept faxes and that fax # is not used often and is more than likely thrown away. All this I beleive was to wear me down make me give up. and also to burn up the time ( 90 ) days I had to make my complaint. how can they make legal decisions like that when their is a warrant for the person I named in police report and the with drawls from account was made all in a short period of time ( 2 ) days I believe. I called XXXX they said they do not handle this and I would have to call number on back of card ( runaround again, wasting my time again ). please try and help. I am mailing some of the papers I have sent them certified mail but will send you any thing i can, that you may need. thank you again. XXXX, XXXX IN. XXXX cell # XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several fraudulent accounts reported under my credit profile. I am submitting this request in accordance with the Fair Credit Reporting Act ( FCRA ) and would like these accounts removed promptly. As a survivor of human trafficking, my identity and personal information were compromised, leading to the unauthorized opening and reporting of the following accounts : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account XXXX : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number XXXX XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX  I Account Number : XXXX XXXX XXXX Account Number : XXXX These accounts were opened or reported without my knowledge or consent, violating my rights under the FCRA. Specifically : 15 U.S.C. 1681 Section 602 ( a ) This ensures my right to privacy and accurate reporting.

15 U.S.C. 1681 Section 604 ( a ) ( 2 ) Consumer reporting agencies can not furnish accounts without my explicit consent.

To support my dispute, I have attached the following documents : A personal statement detailing my trafficking situation.

Additional records, where applicable, to verify my identity and substantiate my claim. 
I request your immediate review and removal of these accounts from my credit profile. Please confirm receipt of this dispute and inform me of any additional steps or documentation required. 

Thank you for your prompt attention to this matter.
Product: Credit card

I am trying to access a portion of my unlimited credit and Bank of America will not let me do so in any form. I applied for a credit card in XXXX of XXXX and was denied this time like every other time in the past when applying for credit. 
Bank of America practices discrimination on a consistent basis when it comes to XXXX Nationals. I am not a United States citizen, but had to check that option on the application because non-citizen XXXX XXXX isn't listed anywhere on the loan application. They only give two options when its obvious there are more categories of nationalities that bank with them. This is clear violation of the CFPB laws, Federal Trade Commission, and XXXX laws. 

I notified them of this violation in writing and I also submitted my XXXX, cancellation of power of attorney, and all other paper work weeks before applying. I also, ask the bank manager to make sure my status was changed from citizen to XXXX XXXX. I was assured that my paperwork was added to my file and that my status would be updated. No one did so. 

I plan to sue Bank of America on all levels for discrimination and the laws broken in the process of denying me credit and not updating my status to reflect my true Nationality. 

Due to this denial I had to go with a subprime bank to access funds. Not being able to access credit has cost me dearly. I need to know all the factors underwriting used to deny my consumer applications based on the law? I also, need to remind them that their policies are not in alignment with the law according to 15 U.S. Code Subsection 1611 for willful and knowing you are in violation as well as the securities and exchange act of 1934, and CFR 321, 328.6 and adverse action.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a general complaint on how credit reporting works. I understand if I have a 30, 60, 90, 120 day late and charge-off with a creditor that my credit should be effected in a negative manner. I can even understand my credit being impacted by selling to ONE collection agency. It seems very unfair however, that every time the debt is sold to a different collection agency my credit scored go down. If I was unable to pay the debt to the original creditor I am not going to be able to pay with all the new collection charges. My credit will NEVER recover. This takes money out of the economy. People are unable to get mortgages, cars or any other credit because of the numerous reporting of a single account. The scoring needs to change. Score the original debt and even the first collection but after that the debt should stop affecting your credit. Let them collect and go through the court process. Seems like people don't get due process on debts. A {$500.00} debt can become a lifetime anchor.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I reviewed my credit report and found the following accounts that I did not open reported on my credit file. I did not open any of the accounts collections agencies are collecting for. 

XXXX - Balance {$97.00} XXXX  XXXX / XXXX XXXX - Balance {$2200.00} XXXX XXXX XXXX - Balance {$860.00} XXXX XXXX - Balance {$2300.00} XXXX XXXX - Balance {$2600.00} XXXX XXXX - Balance {$1700.00} XXXX XXXX - Balance {$820.00} XXXX XXXX XXXX - Balance {$790.00} XXXX - Balance {$1200.00} The following addresses on my credit file are not my addresses : XXXX XXXX XXXX XXXX XXXX, TN XXXX
Product: Mortgage

Improper late payment report for lateness on XX/XX/2020.
Product: Checking or savings account

Dear Sir : I am a customer at the HSBC Bank at XXXX XXXX XXXX, XXXX New York XXXX and am opposed ti the closing of this branch This branch has been in existence in this area for over twenty years. This is the only HSBC Bank in XXXX that has free parking space for it customers unlike the bank in XXXX XXXX, XXXX XXXX XXXX that has a municipal parking lot or the bank at XXXX XXXX XXXX or XXXX XXXX XXXX ( branch is closing ) that only has street parking and the time that is wasted in trying to obtain parking and the fear of a parking ticket if your transactions in the bank are longer then the time on your meter. The other banks that are totally inconvenient to the customers in this area are in XXXX, not in XXXX at XXXX XXXX XXXX and XXXX XXXX XXXX XXXX on the east side of XXXX. 

The branches listed above are a radius of four to six miles away from the HSBC located at XXXX XXXX XXXX. By car it is at least a 15 minute ride and by public transportation at least an hour. This is an inconvenience to loyal customers who have banked there for years because of the close proxcimity of the bank and their drive-in window for those customers who may have a XXXX or need for quick banking without leaving their car. Another factor is this is the only branch in XXXX that has a drive-in window and people come from all over because of its convenience. It also provides a banking facility for city workers in the areas and people who shop here and do their banking while they shop. 

The closing of the HSBC Bank at XXXX XXXX XXXX XXXX will cause a hardship to many of us who have banked in this area and have been loyal customers who do not wish to be inconvenienced or find other banks for our money after so many years of banking in this branch. 

The staff in this bank have always shown professional courtesy and consideration to me in making sure that all of my banking transactions have been met and I would surely miss this attention. 

Yours truly,
Product: Credit card

A purchase was made on XX/XX/year> from XXXX utilizing my XXXX XXXX Credit Card. This was for a rental car in XXXX, XXXX. Once arriving in XXXX, the merchant that the car was rented from through XXXX materially changed the fees, deposits, parameters grossly inflating the advertised price. XXXX was notified- the credit was issued- a dispute was created with Capital One. Initially a conditional credit was issued for the purchase amount of {$XXXX} but then was reversed. The charge still stands despite Capital One being provided a copy of the credit - XXXX XXXX  # XXXX. The dispute number with Capital One is XXXX. 

Capital One needs to honor the credit issued by XXXX for {$XXXX}.
Product: Vehicle loan or lease

So I go to pay my bill on XX/XX/2020. I look on the website and says the {$310.00} payment is due XX/XX/2020. I thought wow GM is giving me a month, how nice of them, so being diligent, I chatted on site and confirmed it. Then being more diligent I messaged via text customer service cause their phone lines werent taking calling, and it was confirmed a second time. Then today I get an email saying Im late. I looked and I owe XXXX.. I called and was told sorry we made a mistake. Dont worry, well waive the late fees. 

I dont have that money anymore, I bought things to stock up on that Im afraid I wont be able to find. They wont budge. They effed up, and wont help. Heartless. 

I have screen shots if this error
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX : {$83000.00}
Product: Money transfer, virtual currency, or money service

Paid a local individual for car repair services. He provided a few repairs for my wife and my car. Then he asked for {$140.00} to get a part locally for another repair but didn't provide part or install it. He also asked for advances on money for the services to do the repair involving the {$140.00} part. Advanced {$200.00} to provide money for his XXXX XXXX XXXX and {$200.00} for his broken alternator. He then blocked me. Wife contacted him and he was talking to us and then hung up and said he did nothing wrong and wasn't going to deal with us. He never provided repair, kept {$400.00} in service fee advances and {$140.00} for XXXX  XXXX XXXX XXXX XXXX. These were paid by cash app.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( FCRA ), Section 605 ( b ) deals with the procedures for the correction of inaccurate or incomplete information on credit reports. This section outlines the rights of consumers to dispute incorrect or incomplete information with the credit reporting agencies and the responsibilities of those agencies to investigate and correct any errors. 

Heres how you might structure a dispute letter referencing FCRA Section 605 ( b ) to address an issue where financial information was reported without your knowledge or consent : -- - ** [ Your Name ] ** ** [ Your Address ] ** ** [ City, State, ZIP Code ] ** ** [ Email Address ] ** ** [ Phone Number ] ** ** [ Date ] ** XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ** XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX ** XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : Dispute of Unauthorized Financial Information FCRA Section 605 ( b ) ** Dear Sir/Madam, I am writing to dispute the inclusion of inaccurate and unauthorized financial information reported by National Credit Systems on my credit reports. This information was added without my consent or knowledge, and I am requesting its immediate removal under Section 605 ( b ) of the Fair Credit Reporting Act ( FCRA ). 

**Details of the Dispute : ** - **Name : XXXX XXXX - XXXX*Date of Birth : XX/XX/year> - **Social Security XXXX - **Current XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX  XXXX - **Disputed Institution : XXXX XXXX XXXX XXXX - XXXX*Account Number ( s ) in XXXX - **Nature of the Dispute : ** Unauthorized reporting of financial information plus would not release any information til I verified my info. Reporting date is XX/XX/year>- attached is the last 2 places I lived According to FCRA Section 605 ( b ), consumers have the right to dispute inaccuracies and incomplete information on their credit reports. I did not authorize the reporting of this information, nor do I have a purchase agreement or any relationship with National Credit Systems. 

Enclosed are copies of the following documents to support my dispute : 1. A copy of my government-issued ID. 
2. Any other relevant documents proving that the information is unauthorized. 

Please conduct an investigation into this matter and ensure that the unauthorized information is removed from my credit reports with XXXX, XXXX, and XXXX. I request written confirmation of the removal and an updated copy of my credit report once the issue has been resolved. 

If you require any additional information or documentation, please contact me XXXX or via email XXXX Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I was sent fraudulent wire instructions appearing to be from my title company. The e-mail had all the right names attached to the e-mail. I sent {$280000.00} to the bank that was listed. It asked to be sent to XXXX XXXX saying she was the attorney for the transaction. I did not put her as the beneficiary I put the title companies name XXXX. Title. I sent the money on XX/XX/XXXX of XXXX at around XXXX PM. On XX/XX/XXXX of XXXX we figured out that it was a scam. I called my bank and had them report it to PNC bank in XXXX Alabama. I was told that they can take up to 90 days to return my money. I called PNC Bank and they would not give me any information. My bank has not been able to get any information from them. As of today XX/XX/XXXX I still do not have any of my money back. About two weeks ago PNC contacted my XXXX XXXX ( XXXX XXXX ) to fil lout a form and asked some questions. But no further information has been received from them.
Product: Checking or savings account

I deposited {$18000.00} on Thursday, XX/XX/2022 at XXXX PM inside my local Bank of America. My deposit slip said that the money will post on XX/XX/2022. As of today, XX/XX/2022, none of these funds have been made available to me. The bank the check was written on operates in the same clearing house. The check was written from an XXXX trust account. The bank 's policy states that the first {$220.00} of my deposit may be available not later than the first business day after my deposit. It is not. The bank states none of my deposit will not be available until XX/XX/2022.
Product: Credit reporting or other personal consumer reports

I am formally disputing the following negative items on my credit report : XXXX XXXX XX/XX/year> {$0.00} These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.
Product: Credit reporting or other personal consumer reports

Dear Experian : This is a Self-Attestation that I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
This fraudulent account is a personal loan XXXX XXXX XXXX XXXX Account number ( XXXX ) Opened : XXXX. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 4 accounts reporting in error, I wrote 2 letters to XXXX XXXX, XXXX & XXXX  explaining that the delinquencies that are reporting are reporting in error. 
I was in deferment on the dates they are reporting the delinquencies. I received a letter from XXXX saying that it was verified as accurate from the creditor. I then asked all three bureaus for method of verification and never received an answer from all three bureaus. Step 2. I then wrote a letter to the creditor Utah higher Education I sent it certified and never received a response from them. I was never late i was in deferment and would like the late entry removed and my credit report to be corrected.
Product: Credit reporting or other personal consumer reports

THIS NEGTATIVE ITEM THAT THIS COMAPANY REPORT TO THE XXXX XXXX WHICH WAS A CHARGE OFF I DID NOT GIVE THIS COMPANY ON AUTHORIZED TO FURINISH ANY REPORT TO MY CREDIT REPORT THEY DID NOT HAVE MY WRITTEN CONSENT IN THIS ALSO CONSIDER IDENTITY THEFT UNDER 15 USC 1681