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

Experian has violated my rights in accordance to the FCRA 15 U.S.C 1681 ( a ) ( 1 ) ( A ) and has failed to produce the investigated information they claim to have verified over and over for at lease XXXX reports on this site and the FTC site after i had been wasting every day since XX/XX/2024 when this malicious act has now caused my son and i to be homeless and I'm XXXX and forced a high interest rate on my car I'm about to lose and have had to pay {$45000.00} in only interest to a car that is not even worth {$500.00} now on top of high insurances prices. They have destroyed my chance at housing and caused my son and i to live in unsafe unhabailtable conditions because we are homeless after we were harrassed and terrrorized by another corporation driven by greed and for 6 years we have been traumatized, i have been XXXX, robbed, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX on a fixed income and a XXXX XXXX protected class but nothing but XXXX  by XXXX XXXX XXXX XXXX and between the XXXX repulsive companies they have destoyed my degree i was earning at home for medical billing and coding leaving me with XXXX, XXXX student loan with the projected income of {$80.00} an hour, Then i managed to get my life insurance lisence and scraped by costing me XXXX  and worked for free until i my son and i had to flee the violent hostile environment the apt management created because i made a complaint to them for the XXXX XXXX  so they then commited fraud and billed us $ XXXX after forcing us on XXXX XXXX as the boarders opened up. and that was XX/XX/2024!!!!!!!!!!!! We are still homesless and still fighting for experian to do what you are suing them for and on the XXXX XXXX XXXX called XXXX XXXX mistakes it proves exaclty what is really going on and im sick and tired of being ignored and im seeking civil penalties as it is my right to be compensated for this evil crime costing me now XXXX careers because while being homesless i manabged to start a XXXX XXXX XXXX because of this discrace of the human race and now i can not start my buisness because of my CREDIT SCORE all because EXPERIAN gets away with becoming a XXXX  and has the nerve to tell me how my life is going to go NOOOOOOOOOOOOOOOOOOOOOOOO!!!!!!!!!!!!! I demand they remove the accounts right now so help me XXXX ... ... and i am demanding compensation for 6 years of finacial ruins and noiw XXXX careers and pain and suffering to a XXXX XXXX single mom who is barley hanging on and forced to live in the freezing cold in a tiny XXXX XXXX XXXX XXXX XXXXXXXX no kitchen no heat and mold in the shower stall and my son and i have been hospitalized for mal nourishment and XXXX XXXX XXXX XXXX  Enough is Enough ... .... now make these inhumane greeedy evil people remove thes accounts once and for all!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!
Product: Credit card or prepaid card

Hello, I have a Barclay 's Wyndham Rewards Visa card - the one with the {$75.00} annual fee. Since I'm not traveling lately, paying the annual fee to receive the associate benefits is irrational. So, several months ago I called Barclays by dialing the number on the back of the card to request to be downgraded to the Wyndham Rewards Visa card with fewer benefits and no annual fee. The agent on the phone advised that I would be downgraded to the card with no annual fee and I could still use my original card and I wouldn't need to take any further steps. Well, I just looked at my monthly statement for XXXX, and I've been charged the {$75.00} annual fee.
Product: Debt collection

Allied Legal Services XXXX Saying I owe money for a credit card that I never had. Threatened to sue and serve me at my place of employment. I've asked to cease and desist, yet they still continue to call.
Product: Credit reporting or other personal consumer reports

I sent dispute letters to Credit Bureaus to dispute inaccurate information from my Credit Report and I written them that within 30 days if they didn't finished there investigation than they want to delete those accounts from my Credit Report. Now its been XXXX days completed and Credit Bureaus didn't sent any investigation result or I don't know they investigate those accounts or not and not delete those accounts from my Credit Report and did fraud under FCRA law.
Product: Credit reporting, credit repair services, or other personal consumer reports

My current car loan which show it being with XXXX XXXX XXXX on XXXX and XXXX but shows XXXX XXXX XXXX XXXX on my Experian report is being reported late every month on XXXX and XXXX but my payments on time with Experian. This is killing my credit because my payments are current and on time. I have tried to get this taken care of with them but they say its nothing that they can do and it is very frustrating trying to get this matter resolved. This is the partial account number XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting on a debt that I do not owe. This debt was included in my bankruptcy # XXXX in 2012. Not only was this included in my bankruptcy, it is now past the statute of limitation. XXXX  XXXX XXXX is clearly in violation of the Bankruptcy Law act, and this account needs to be removed off of my credit file.
Product: Money transfer, virtual currency, or money service

On XX/XX/2019, I ran a credit card transaction for a client through PayPal for payment for my services from a client. PayPal has now imposed a requirement that I provide evidence of my license and or certificate. As a XXXX, I do not need either according to the California Business and Professions Code. I have a degree in XXXX XXXX but they say that it is not sufficient. As a result, they refuse to give me the money that my client paid me through the transaction. They have imposed a 120 restriction and insist on withholding access to the funds until I provide the information they require that isn't required by the law and doesn't exits.
Product: Money transfer, virtual currency, or money service

On XX/XX/2020 at approx. XXXX I transferred {$210.00} to a paypal account to purchase concert tickets. I never received the ticket transfer. I contacted XXXX  when they opened on XX/XX/2020 at XXXX and verified the order number given to me was fraudulent. I immediately contacted paypal to let them know and wanted to file an escalated dispute to cancel the transaction and stop the payment. I was told they could not help me. I have email documentation where the tickets for sale were misrepresented to me.
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, 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 XXXX XXXX, 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 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: Debt collection

My complaint is with Specialized Loans Services ( SLS ). I have 15 year fixed rate mortgage that closed on XXXX. My loan payment is {$2600.00}. I have paid my mortgage on time every month since then to date, XX/XX/XXXX. In mid XXXX, SLS created an Escrow account without my knowledge or consent. They then paid my property taxes for City of XXXX and XXXX XXXX  Georgia. Again without my consent or knowledge. I can furnish proof that I repaid SLS for their outlay and I can provide proof of payment for my monthly mortgage amount stipulated in my closing documents. SLS has not applied ANY of my monthly payments since XXXX to my account and now states that I am in default. They have also sent me a bill for XXXX and I have NO IDEA why. And did I mention they sent ME a check for {$7100.00} in XX/XX/XXXX?? I have made numerous calls to rectify the matter but no customer representative can alter or make changes and only are willing to take payment. I have requested 3 " Supervisor Callbacks '' which have not happened. No one can tell me how I am in default and have negative credit reporting as a result. I am at my wits end. I need help. Again, I can provide any necessary documents proving my on-time monthly mortgage payments and my repayment for monies paid on my behalf for property taxes..
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX  Account XXXX  # XXXX XXXX  # XXXX XXXX XXXX XXXX 's, 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 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Payday loan, title loan, or personal loan

Hi Im XXXX  receiving the social security they take too much money very high interest I wasnt expecting Im single mom of XXXX kids I cant pay much anymore Im very overwhelming for me Im alone only receiving my XXXX ssi I pay my van payment and I have my health issues too please help me its very overwhelming fir me being alone please text XXXX Im XXXX  I cant XXXX  or XXXX  or email me at XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some account. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the account : XXXX XXXX, XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$17000.00}
Product: Prepaid card

I filed for XXXX XXXX in XX/XX/year> as I was diagnosed with XXXX and had to have a very serious XXXX. During the time I was in the hospital and recovering for days afterward, someone hacked into my MN account on XX/XX/XXXX and stole {$1800.00} from my Money Network account. Apparently, they transferred money into a XXXX account with a routing number : XXXX and an account number ending in : XXXX. On XX/XX/XXXX, I just happened to look at my account and immediately called Money Network to report the fraud and they put a stop on my card. The perpetrators used my name but it was not my account. I have had XXXX XXXX XXXX XXXX Account for more than 25 years but recently XXXX acquired XXXX XXXX XXXX XXXX and I have continued to stay with BMO I have called and filed a dispute with MN ; however, they denied my provisional refund and my entire dispute. My dispute claim number is : XXXX. I have never had anything like this happen to me and as you can imagine I am now in dire need of my money. 

On Money Networks website, they state that they will verify any large withdrawals. Well, since I was recuperating from an XXXX XXXX and only had one {$12.00} debit for a prescription at XXXX, I would imagine that an {$1800.00} withdrawal would have triggered a verification code but I received no notifications of this transfer and have absolute proof that I received no notification text from them. Also, they do have my cell number as it is on my MN profile so there should have been no problem contacting me. 

I also called XXXX XXXX bank and the woman I talked to could not give me any information on the 4-digit account number but they did tell me that if money would have come from MN it would have been in my name. They took my information and told me that there was no account in my name and if the money was transferred it would have gone back to Money Network. I dont know who has the money but Money Network has not been forthcoming with me nor will they allow me to talk to anyone in the MN dispute office. Also no one has contacted me with their decision, I had to call their low- level contact and that is how I found out that my dispute was denied. MN does not try to help the consumer and will not give you any information on their progress to remedy this problem. Since this incident, I have checked out the internet to see if this is a rare or random problem but to my dismay fraud is a rampant problem with Money Network and some are saying that this is an inside job.
Product: Debt collection

I had a preoperative XXXX done in XXXX 2014 at XXXX XXXX XXXX in XXXX XXXX, CA. About a year later I received a bill for {$110.00}. I called my Medicare provider and subsequently I thought the matter had been settled.Now I am receiving letters and calls from a company called CMRE Financial Services for a company called XXXX XXXX XXXX XXXX. I have not been able to find the latter company anywhere. To begin with the bill for a XXXX was too high, it should have been approximately {$50.00}. I have contacted my Medicare provider many times and each time they have stated that the matter has been resolved. I feel that this company is trying to extort money from me that they know I do not owe. they are also charging interest on the bill which I do n't think they are allowed to do. I refuse to pay since I had Medicare at the time and the provider stated that the matter has been settled. My Medicare provider at the time was XXXX XXXX XXXX XXXX XXXX XXXX California. Please help me to settle this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX IS CLAIMING I OPENED ACCT IN XXXX WITH NO PROOF OF TRANSACTION DISPUTED WITH CREDIT BUREAUS AND WON BY STATING MY DISPUTE MEETS REQUIREMENTS, AS OF TODAYS DATE XX/XX/XXXX XXXX XXXX IS STILL REPORTING FALSE CLAIMS ON MY CREDIT REPORT AS COLLECTIONS, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX NMLS ID-XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

All these credit bureaus have been using and taking advantage of my trust and liberty as and American.My whole entire life Ive had these companies lie to me repeatedlyIve wrote letters.Ive called these companies..They lie on banks and the banks blame them. : ( ( Ive been DENIED MY WHOLE LIFE while these companies leave soft and hard inquiry on my report WITHOUT CONSENT.Reporting XXXX  : : ( ( Old addresses just complete untrustworthy companies.I am appalled that this is allowed as a beneficiary that these thieves think they can repeatedly deceive consumers like myselfI am the CREDITOR not DEBITOR.All these violations should be payed back in FULL .They also breached my DATA so alone on that is XXXX max out of pocket and I expect that back in full.My credit score should be over 800 and all bad inquiries off now.Im over the XXXX and Im putting you on NOTICE as of now to fix this or you will pay for deceiving me as a consumer and violating my trust
Product: Checking or savings account

On  XXXX   XXXX , I opened  a Wells Fargo check ing account through a link on their website, which said I would receive {$250.00} for opening a new account with them and meeting the  10 debit c ard requirements. After 45 days, I should have received those requirements. I opened the account, fulfilled the requirements on  XXXX   XXXX ,  2017 , but never received the bonus after the 45 days. They said they were going to look into it and send me mail. I never got the mail and sent them a secured messaged and they said I did n't meet the requirements. That was n't true because I had more than  10 de bit transactions, then they said " It was because I was n't targeted, which it did n't say anything about being targeted on the advertisement and I have an email telling me how to get the bonus.
Product: Checking or savings account

This is my XXXX complaint against Robinhood through CFPB.

In the response I got from Robinhood from my 1st complaint, Robinhood only gave me information I already have and have access to. So, their response was of NO help.

I believe Robinhood is withholding my information because they know since they have access to my whole account as they can see all of it, and they have access to the very XXXX call I gave them back in XXXXXXXX XXXX XXXX ( since every call is recorded! ) that I did not transfer any money out of my account myself. 

My XXXX  with Robinhood was hacked and the hacker made XXXX transactions out of my XXXX  totaling {$26000.00} to XXXX accounts linked on my XXXX  that were not mine. The XXXX accounts were not even on my proper legal name and still XXXXhood even though I gave them a call and the transactions were still pending let my money go out of my XXXX.

1 ) My name on Robinhood online baking is the same one as my XXXX XXXX  card ( the bank and only bank that I use to move money to my XXXX account and have never taken money out ) so the names not matching in the accounts, isn't a red flag? 

XXXX ) Isn't a red flag when the account holder informs their bank that the cards on file isn't hers?

3 ) Isn't a reg flag when a Robinhood representative tells the customer that her cash is being transferred from an XXXX  and from CA, when the costumer is in MA and only uses XXXX XXXX products linked in her account? 

XXXX ) Very interesting fact is that after I spoke with Robinhood customer service representative back in XXXX and did the whole process of getting a new email address, password, XXXX factor authenticator number, someone ( not me ) was still able to log into my XXXX  and took the XXXX cards from XXXX off my XXXX. How? 

Since my XXXX complaint against Robinhood, I have gotten in touch with XXXX ( again ) and they said they would refund me my money but that needs to be a bank-to-bank transfer and Robinhood is not willing to communicate with a 3rd party. Why? 

I have more than enough proof that I did not make those transactions out of my account, and I should not be fighting this hard to get my own money back! This is absurd!
Product: Credit reporting or other personal consumer reports

I know that credit reporting agencies supposed to report only 100 % maximum accuracy items. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account. I called the courts in my state, and they stated the dont report anything as the furnisher so THE 3 BUREAUS are committing forgery fraud and will be reported to the authorities for that. 

Bankruptcy XXXX  XXXXdischarged Reference # XXXX XX/XX/year> Bankruptcy : Discharged XXXX Reference # : XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a Citi Best Buy card and was denied credit. I have an XXXX credit score with no derogatory information ever. The reason provided was " Too many inquiries. '' I pulled my credit from XXXX where Citi also said they get their credit and there are only 3 inquiries for the year. 

Upon complaining about this to Citi on XX/XX/XXXX/17, I was called back by a supervisor telling me that underwriting had reviewed my application and confirmed it should be denied for " Too many inquiries. '' I read the 3 inquiries on my application but the supervisor refused to tell me if those were the 3 she saw. She did however admit there were only 3 for the year.
I then asked what the policy is for too many inquires as I find it hard to believe that having 3 credit inquiries for the entire year is a valid reason for denying credit. The supervisor refused to tell me the policy and said it is different for everyone.
I believe that Citi is deliberately denying me credit because I have an A+ score and I pay my promotional accounts on time so they are unable to profit from me. 

The Citibank credit application reference number is : XXXX
Product: Debt collection

I contacted this company to find out why they added a collection to my credit report because I have never worked with them or even heard of them. They claimed that it was a collection from a previous apartment but they have not sent me ANY information regarding this debt. I even told them that they did not send me anything and the man on the phone verified that they sent it to apartment address who is claiming the debt. Before moving, I updated my address on XXXX to my new address so that any accounts would be notified. They are able to find this information yet they purposefully did not send any communications to me. I have reached out to pay whatever amount they are claiming just to be done with the issue since it is not a large amount but now they are refusing to respond to email communications and phone calls to settle this issue. I have no knowledge of this debt and I do wish to dispute it as I stated in the email. I would have disputed it previously if they had notified me properly! I have opened cases with each of the credit bureaus regarding the issue.
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 : XXXX XXXX XXXX Balance Owed : {$0.00} ; DPT EDXXXX XXXX Balance Owed : {$10000.00} ; DPT EDXXXX XXXX Balance Owed : {$24000.00} ; XXXX XXXX Balance Owed : {$6300.00} ; DPT EDXXXX XXXX Balance Owed : {$2000.00} ; DPT EDXXXX XXXX Balance Owed : {$3000.00} ; DPT ED/XXXX XXXX Balance Owed : {$3000.00} ; DPT EDXXXX XXXX Balance Owed : {$1800.00} ; DPT EDXXXX XXXX Balance Owed : {$3500.00} ; DPT EDXXXX XXXX Balance Owed : {$6800.00} ; DPT EDXXXX XXXX Balance Owed : {$4900.00} ; DPT EDXXXX XXXX Balance Owed : {$3200.00} ; DPT ED/XXXX XXXX Balance Owed : {$21000.00} ; DPT ED/XXXX XXXXXXXX Balance Owed : {$4000.00} ; DPT ED/XXXX XXXX Balance Owed : {$7000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Found these accounts and inquiries on my credit report : 1 ) XXXX  : {$1900.00} opened XX/XX/XXXX 2 ) XXXX  XXXX : {$310.00} opened XX/XX/XXXX 3 ) XXXX XXXX XXXX XXXX  : {$120.00} opened XX/XX/XXXX 4 ) XXXX  XXXX XXXX XXXX XXXX : {$1400.00} opened XX/XX/XXXX 5 ) XXXX XXXX XXXX 's XXXX  : {$540.00} opened XX/XX/XXXX 6 ) XXXX  XXXX/XXXX  XXXX  : {$2500.00} opened XX/XX/XXXX 7 ) XXXX  XXXX  XXXX/XXXX  : {$460.00} opened XX/XX/XXXX Inquiries 1 ) XXXX  : opened XX/XX/XXXX 2 ) XXXX XXXX  : opened XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried everything, I tried everywhere, I still see no results. I am a victim of the Equifax data breach and a victim of identity theft. Its been well over 3 months now and still i have not gotten any answers or solutions to my problem. These accounts are not mine! I need them removed ASAP. I attached all of my letters/attempts to this complaint for proof.