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

I saw that my concern was closed and that it says the accounts were updated but when I checked my report the negative accounts are still appearing on my report and I want it to be deleted. Below are the accounts I disputed previously. 

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

I need clear answers from Robinhood for 3 different issues. 

1. I sold XXXX stock, but this fund, XXXX, was disappeared. 
I claimed to Robinhood several times. the answer was different. 
first answer was that my fund will be settled on XXXX second answer was that your fund was used for purchasing. 
last answer was that we are under investigating and will notice to you ''. 
where is my fund? I need it right now. 

2. I received the mail from Robinhood about " Withdrawal restriction removed '' on XXXX Friday. so, I tried to transfer XXXX USD, current balance, to my bank several times, but it was failed. Why I can not withdraw even Robinhood said ok to me. 
I don't want to keep my money at Robinhood anymore because i feel very uncomfortable. 

3. Today, XXXX, I tried log in my account, but it was blocked without any notice from Robinhood . What's going on at Robinhood?

They block everything. I can not access my account and I can not know my current status for fraud report which I did. 

As I know, if there is fraud case, Good company refund to the customer at first and they start investigation. 

need fast reply. 

Thanks XXXX XXXX ( XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

Please have all 3 bureaus delete the following account I been reaching out to them to ask investigation but they always come back saying it been verified. 
There verification is not accurate I have the a proof for them to remove the following account immediately I won't wait 24 hours Waiting for them to hurt my credit and preventing me for doing my rights of living my life Accounts : XXXX XXXX XXXX XXXX XXXX SEE ATTACHEMNT OF THE APPROVE LETTER
Product: Debt collection

I try to call Sallie Mae to resolve my son 's past due student loan and the representative that took the call was threatening, rude and disrespectful. I asked to worked out a smaller payment and she treated me like I was the lowest scum of the earth and yelled at me. I really do not want to speak with any of them anymore because of the way I was treated. Sallie Mae contacted relatives in a different state and secretaries in my office to obtain my personal information. They left voicemails, spoke with our secretaries, and faxed my employer. They call continuously and don't have any respect of boundaries. This is harassment and it needs to stop!
Product: Debt collection

I received a collection demand letter in the amount of {$19000.00} from Client Services. I am disputing this debt it has never belonged to me. I am a victim of identity theft. I will not pay this debt of {$19000.00}, because it never has belonged to me. This account is a fraudulent account opened without my permission.
Product: Mortgage

was pre approved by 5th 3rd bank. my reference # XXXX for pre approval. we proceeded to shop for homes. found a home within my budget put down a {$10000.00} deposit with the realty company. i contact the bank to process the loan and set up a closing. they did a home appraisal and we had a home inspection/wind mitigation done. only to be told a week later that underwriting turned me down after giveing me a pre contract. i was told i would recieve my money back and that the original mortgage broker who first worked on the loan had quit and made a mistake. regardless of whos fault it was, its was still a licensed certified mortgage broker representing fifth third bank. Now no one from fifth third will contact me back about refunding the home inspection monies.
Product: Money transfer, virtual currency, or money service

In essence the following occurred : 1 ) I was misquoted a rate and time by a vendor business partner 2 ) The vendor pushed back the time to XXXX as he was at gym with another client or getting his own workout in. 
Vendor took close to 20mins to get ready. I was truly not going to quiver about that 20min lost tart assuming I had been given the a full 2hrs or at {$120.00} had been refunded. So since neither of those occurred and the vendor tried to justify the pay received and time Thus, Im now asking and requesting the full {$150.00} be refunded for non-performance, fraud, deceptive business practice on behalf of Cash App its parent Square Inc the Vendor and owner of the XXXX XXXX on XXXX Cash Apps need to pull money of the vendors card or account and refund me the {$150.00}. 

The cash App site leads you to believe that if issues arise that you can cancel / refund a payment and they give you numerous option However, Cash App never investigated they just respond that they are sorry and tell consumers they need to contact their Financial institution to resolve the issue and if you drill down far enough on the app you are told to contact Square Inc the Parent of Cash App I will be contacting my bank today XX/XX/20 Reason for Refund credit 1 ) The name of vendor is the same as the name of the vendor was using 2 ) No invoice was every produced 3 ) The terms of the engagement were not met I was shorted 30mins.

4 ) Vendor quoted me an hourly rate prior to engagement then tried to change his rate and terms the following day in an attempt to justify not refunding {$150.00}. 
5 ) The person booking the engagement was not the person performing the training .Cash Should act in Good Faith if they claim to have options to deal with issues A letter was sent to Square Inc on XX/XX/20 which consisted of exhibits and was a total of 56 pages please note a portion on that letter is attached
Product: Debt collection

Transworld claims I owe for XXXX and continues to harass me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to the company regarding missing payments they have reported to the credit bureau. My account with peerform inc has been closed since XXXX and was opened XX/XX/XXXX. They have recently ( this month XX/XX/XXXX ) reported for missed payments and now my account status is showing as opened. Of course my score has decreased by 30 points. To my knowledge this is illegal. Their contact information is XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, New York, NY XXXX. Thank you
Product: Debt collection

To : Resurgent Capital Services Refrence # XXXX Subject : Cease and Desist Communication Dear Resurgent Capital Services, This letter serves as a formal notice under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c, that I refuse to pay the alleged debt you are attempting to collect. I am invoking my rights under this law to demand that you cease and desist all communications with me regarding this matter, whether directly or indirectly, through any medium, including but not limited to reporting on my consumer report. 

Additionally, I request full disclosure regarding how you obtained my personal information. Specifically, I demand the following : Documentation showing how and from whom my personal information was obtained. 
Evidence of my authorization or consent for you to possess and use my personal information. 
It is important to note that any communication, including the continued furnishing of information about this alleged debt to credit reporting agencies, constitutes a violation of 15 U.S.C. 1692c and will be pursued accordingly. 

You are hereby instructed to : Cease all communication with me through any form of medium. 
Remove all information regarding this alleged debt from any consumer reporting agency to which you have furnished such data. 
Failure to comply with this cease-and-desist order and provide the requested information within 10 business days will result in further legal action to protect my rights under the FDCPA and related laws. 

Thank you for your immediate attention to this matter.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX DC XXXX Subject : Reporting Inaccuracy by Equifax under FCRA Dear CFPB, I am writing to formally report what I believe to be a violation of the Fair Credit Reporting Act ( FCRA ) by Equifax regarding the inaccurate reporting of my XXXX XXXX XXXX  ( XXXX  ) account. The account is currently listed as a charge-off, which is incorrect. 

In a recent phone conversation with ACA, I was informed that this account is not a charge-off. Furthermore, XXXX XXXX XXXX XXXX Department confirmed that the reporting for this account is accurate and should be listed as " settled for less than owed '' with all three credit reporting agencies. Under the FCRA, if an account is reported inaccurately, it must be removed from a consumer 's report. 

I will be uploading my conversation with ACA, which clearly indicates that the account in question is settled and does not state that it is a charge-off. This documentation supports my claim that Equifax is in violation of the FCRA by failing to report the correct status of this account. 

I kindly request that the CFPB investigate this matter and assist in rectifying the inaccurate information being reported by Equifax. This is clearly a violation of the FCRA, reporting inaccurate information in my consumer report. 

Thank you for your attention to this important matter. I look forward to your prompt response. 

Sincerely,
Product: Debt collection

This communication is a follow-up in regards to closed complaint XXXX Southwest Credit Systems, L.P.is in clear are violating federal laws against my person and natural person and of the FDCPA Laws. From their previous response to my original complaint, there is a clear admission of guilt. The Affidavit of Truth, debt validation form/letters, and correspondence, as well as exhibits, have all been ignored. 

Southwest Credit Systems, L.P. responded by sending a letter with absolutely no information and did not include the requested information from any of the correspondence sent out with certified mail validation. This included NO notarized under penalty of perjury Affidavit of Truth responding to my Affidavit of Truth line by line signed by the CEO, CFO, or any superior of Southwest Credit Systems, L.P., NO completion of the debt validation form, I have yet to receive validation on behalf of the account with any contract bearing my signature stating I would be responsible to pay any debt to Southwest Credit Systems, L.P., LLC or any company that they represent and whom I have no contract with for an alleged debt I do not owe. Instead, I have received numerous debt collection attempts and itemized report statements as " proof '' that said debt has been validated from the " original creditor '' XXXX and which per FCRA/FDCPA does not constitute verification. Please note that on XX/XX/2019 the CFPB released its Fair Debt Collection Practices Act Annual Report and it stated the following : The Bureau notes that one or more debt collectors continued collection activity despite not properly obtaining and mailing debt verification after a consumer exercised his or her 1692g rights. Specifically, the Bureau calls out the practice where debt collectors forwarded consumer debt validation requests to the relevant clients, who mailed responses directly to the consumers. Section 809 ( b ) of the FDCPA requires a debt collector, upon receipt of a written debt validation request from a consumer, to cease collection of the debt until IT ( meaning the collection agency ) obtains verification of the debt and mails it to the consumer. Examinations found that one or more debt collectors routinely failed to mail debt verifications before engaging in further collections activities.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX # XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX
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  Account Number : XXXX Account Name XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Or list of inquiries 15 U.S.C 1681 section 602 A . States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 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

XXXX EOSCCA XXXX MA XXXX The company above has called my house for the last 2 years for a person who does not live here. I have told this company over and over XXXX does not live here and has never lived here to remove our phone number from their system. I also advised them I have no clue who this person is. Each time I talk to them they tell me they will then I receive more phone calls from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The following accounts XXXX, XXXX, XXXX have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 In accordance with the Fair Debt Collection Practices Act. Debt collectors are not allowed to communicate with me under the 15 USC 1692C
Product: Credit reporting or other personal consumer reports

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet TransUnion, Experian & Equifax is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. TransUnion, XXXX, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.
Product: Credit reporting

I found several ( XXXX ), derogatory accounts on my credit report that are older than 7 years. I have been a lazy credit keeper concerning my credit reports and assumed, by my mistake, the credit bureau would automatically remove ones over 7 years old, they have not. I read I have the right for their removal, and that 's what I am asking. There was a discrepancy some time ago, but I do n't remember when.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following transactions were not completed by me. See attached
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm being accused for something that I didn't make so discover is pointing fingers at me and I want the world to see this comment. because what the point for anyone to sign up with discover and then they go behind you and stab you on the back after signing up with them!!! we made see their adveristment and then start making purchase month after month so we can earn our points then all of a sudden they will accused you if your card have gotten stolen ... 

you are not 100 % cover by discover, you are 100 % being fool by them so they can steal your money .... 

I serve my country and i can't believe the people that i'm protecting. 

they are accusing me for these transaction 1 ) XX/XX/2018 ... ... XXXX {$250.00} ( XXXX   ) 2 ) XX/XX/2018 ... ... XXXX {$270.00} ( XXXX XXXX ) 3 ) XX/XX/2018 ... XXXX {$14.00} ( XXXX  ) make a wise choice and realized that discover is a horrible customer  service.
Product: Debt collection

The account is not my account and I have never had any business with XXXX XXXX XXXX or Jefferson Capital System. 
I sent a letter regarding a debt collection attempt for XXXX XXXX XXXX indicating that I owe a debt that is not mine. I sent a letter dated advising that the debt was not mine and that I am a victim of identity theft I have made attempts to get this situation resolved due to the fact that I have no knowledge of the debt owed. I have requested verification and validation of the debt owed including a signature and state issued ID validating that I authorized this account. I have attached a copy of my ID Theft report and letter.
Product: Debt collection

I was unable to continue to pay my rent and voluntarily moved out of this residence. I contacted and closed my electric account and was told that the service would be transferred into my landlords name. It was not and I was unaware that I was still being billed, even after an order of possession was grated to my landlord I was still being charged for electric services. I have attached the Court information and can provide additional information proving I moved out of this residence and I am not responsible for the excess billing at this address.
Product: Mortgage

Hello I have to carry Wind and Hail Damage Insurance on my home. XXXX that carries the mortgage has fail to pay the insurance to XXXX XXXX XXXX XXXX, Texas. XXXX as not paid the insurance to XXXX XXXX, because XXXX of their reps made mistake and sent the money to XXXX, Texas. When I called them I told them their is your problem ... I do n't think there is a XXXX, Texas..there is a XXXX, New Mexico. They say they are looking for the check..when all you have to do is contact their bank and let them know what has happen. This has been going since XXXX. I wrote them and told them that you better hope nothing happens to my home and if I have to get an attorney that will be no problem, but I 'm tired of XXXX treating me like I 'm a fool ... they have been playing their silly game ever since they took my mortgage. When they took it over I said to them I have no contract with you people. The woman said to me I do n't need to send you any contract..this contract was from XXXX and XXXX took it over..I told her I have a contract with you so I do n't have to send a payment to you. She came down on me and said to me ... '' I 'll foreclose on you so quick it 's going to make your head spin! Yeah right when I have equity in home already ... so ever since then they have messed with me..over and over ... I told her to her face on the phone and I wo n't repeat what I said to her ... but do n't you ever threaten me ... I 'm an XXXX. I 'm tired of these people. They have escrowed city and state taxes from where I told them you have no right. I do n't pay any taxes if you would call the XXXX XXXX Tax Office ... they would tell you this. I 've sent letters to them from the XXXX XXXX Tax stating that I do n't pay taxes ...
Product: Debt collection

ATTENTION DISPUTE DEPARTMENT LAW OFFICES MBA XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious LAW OFFICES MBA XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, MO XXXX