23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

Robinhood. Both crypto and regular money were stolen. A new debt card has been sent by Robinhood and activated by someone else who is not me. Over {$1500.00} in crypto transferred, over {$500.00} spent from the Robinhood debt service. Now Robinhood has restricted my account and is keeping the fraudulent debt card open and active??? They are also requesting documents with no way in the app to upload verification documents. I have tried contacting the digital wallets for help but they refer me back to Robinhood. I need to get my money from Robinhood and move forward.
Product: Student loan

Sallie Mae continuously harassing me and my family with their harassing calls after repeatedly telling them to stop calling one of our numbers. I recorded a call saying that they would take a number off the list of numbers that they call only for them to repeatedly go back on their word. Sallie Mae continues to lie and manipulate customers like me who are struggling during a worldwide pandemic not caring or being considerate of the situation we're facing.
Product: Credit reporting or other personal consumer reports

CREDITOR : U S BANK ACCOUNT # :XXXX  I am writing to dispute a fraudulent account that has been opened or an unauthorized charge made in my name. I recently reviewed my credit report and discovered [ mention the account or charges ] that I did not authorize. I believe this to be a case of identity theft, and I am requesting that the fraudulent activity be investigated and resolved promptly. 

Please note the following details regarding the disputed account ( s ) : Account Number ( s ) XXXX Date of Fraudulent Activity : XX/XX/2020 Details of the Dispute : tHE CHARGE WAS FOR A RENTAL CAR I HAD JUST REPORTED MY CARD LOST/STOLEN AND I WAS NOT A LICENSED DRIVER TO RENT A CAR FROM XXXX I respectfully request that the fraudulent account be closed, and any negative marks associated with it be removed from my credit report.

Additionally, I would appreciate confirmation that this dispute is being investigated, and that I will be updated regularly on the status of the resolution. If necessary, I am happy to cooperate further and provide additional information or documentation as required. 

Please consider this letter a formal request to resolve this matter in accordance with the Fair Credit Reporting Act ( FCRA ) and any other applicable laws. 

Thank you for your prompt attention to this matter. I look forward to hearing from you soon. 

Sincerely, XXXX XXXX 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 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: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation XXXX of the XXXX I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX CAPITAL XXXX XXXX Balance : {$1000.00} XXXX CARD XXXX Balance : {$4000.00} CAPITAL XXXX XXXX Balance : {$990.00} SPRINGOAKCAP ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$970.00} XXXX XXXXXXXX XX/XX/XXXX
Product: Credit card or prepaid card

On XXXX, 2017 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX and my attorney requested the full results of the investigation into my disputes and I have been refused to receive the result of my disputes despite my many attempts to the credit bureau. This is my last attempt to get the full results of the investigation into the disputes I have placed well over 60 days by law. one company agreed, after the account was paid in full it would be removed from my credit report the account was paid in full some years ago and the account is still on my credit report. PLEASE REMOVE THEM ASAP. Consumers have a right under the FCRA to challenge information in their files that they believe is incorrect. Consumer reporting agencies are required to investigate claims that there is inaccurate information, and when information is proven to be inaccurate, agencies must correct the mistake. 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 2 ) Prompt Notice of Dispute to Furnisher of Information ( A ) In general. Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in In accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address, and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. ( B ) Provision of other information. The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ). Myself and my attorney is in the process of filing a federal lawsuit if we don't have the full disclosure of the investigation into my disputes. As stated above the credit bureau violate my rights and the FCRA, they have discredited me and my worthiness. This is my last attempt before a federal lawsuit is filed. This is also notice of my intent to file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX  XXXX, XXXX XXXXXXXX and XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I just made a report 2 months ago to transunion again they are playing games stating they do not understand my complaints. 
so they can understand 1. for over 10 years you refuse to give me my credit report you say I need to send in my ID and address info when I have lived at the same address for 4 1/2 years also I have sent my ID to them numerous times plus on here i have put a copy so again playing games with my credit. 
give me my credit report! do you understand that? 
2. 
you are reporting fraudulent medical bills on my credit and have been doing so for years giving me no proof they are mine after being asked numerous times to show me my signature on any paperwork. 
I have full coverage insurance and have had it for over 17 years. 
you refuse to show proof that what you have put on my credit report is mine, but refuse to take it off .Take off this fraudulent medical bills that are not mine or show proof my signature on paperwork. Do you understand that? 
also I want the your legal information, address, phone number, and person responsible so I can start a law suite against your company.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Reporting Act, this creditor has violated my right under 15 USC 1681. Section 602 states I have the right to privacy. 15 - USC 1681 Section 604 ( A ) Section 2. It also states that a consumer reporting agency can not furnish an account without my written instructions under 15 - USC 166 ( B ) A creditor may not treat a credit card account under an open-end consumer plan as late for any purpose.
Product: Debt collection

National Credit systems sent a XXXX page excel sheet printed off from a computer screen and claimed this was enough information to report a collections account to all XXXX credit bureaus. this was after i filed a verification of debt within the thirty days given to me. i could dispute each charge placed in my name and also believe the original creditor knowingly violated a number of statutory laws. national credit systems continues to contact me even after i have written them to cease contact. they continue to attempt to harass and put a strain on me and my families well being without being held accountable.
Product: Checking or savings account

On XX/XX/2023, I opened two ( 2 ) savings account with Axos Bank. I made two ( 2 ) transfers of {$8500.00} each from my mother 's external account at XXXX XXXX into the savings account at Axos Bank. 

On XX/XX/XXXX, I received a notification that my savings account are Axos Bank were being locked because they do not authorize external transfers from third-party accounts. I reached out to them via email, and Axos Bank advised me that the originating external third-party bank account needed to recall the two ( 2 ) {$8500.00} transfers. 

My mother reached out to XXXX XXXX, and XXXX XXXX immediately initiated the transfer recalls. 

On or about XX/XX/XXXX, Axos Bank only returned one ( 1 ) transfer of {$8500.00}, and then told me they had not received the second transfer recall. 

XXXX XXXX advised that they indeed sent two transfer recalls, and provided me with a trace number. 

On XX/XX/XXXX, Axos Bank again said they had not received the second transfer recall. I provided them with the XXXX XXXX trace number, and Axos Bank stated they will " review it. '' It has been over two ( 2 ) weeks now and Axos Bank has stopped communicating with me, my savings account holding {$12000.00} remains locked and I have no ability to access my funds. 

Axos Bank has been ignoring my requests to return the second transfer recall.
Product: Debt collection

Caller ( Ph # XXXX ) claimed to be with Arcadia Recovery Bureau, asked for me by name, then asked for my birthdate as a verification. Caller refused to disclose the nature of the call unless I furnished her w/ my birthdate. I terminated the call. I have no knowledge of the agency named, but it 's evidently a collection agency. I 've no knowledge of any debts that would have been given to such an agency.
Product: Debt or credit management

This is about Lexington law that file XXXX  and didnt render any services paid for was paying them XXXX months and today file XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding inaccurate ad unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate the items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Debt collection

XX/XX/2022 I received a debt collection notice from L J Ross XXXX XXXX XXXX XXXX MI XXXX This was for {$100.00} owed as of XX/XX/2022 on my rental property in Maryland. this was close out on transfer to the tenant. 
I had not previously received a bill. My account was current as of XXXX XXXX. I went online to my account and verified that I was set for ebill. My bank is XXXX. The ebill never showed up or it would have been paid. No paper bill that I recall or can find. I paid the bill directly on line to XXXX XXXX ( first energy ) then called the debt collection agency. " XXXX '' at LJ ross stated that XXXX XXXX now gives all their final bills to them apparently with out actually making any attempt to actually collect them as usual before hand. We wonder if this is a scam as PE was hacked last fall. We wish to know why our credit score which is excellent should be subjected to t his attack with out any notice what so ever. I thought one had to have two notices before things were sent to collections. I emailed XXXX XXXX and attempted to call them but did not have the patience to wait 30 to 45 minutes to talk to a human being. Be wary of this company 's billing practices and the potential for scams with stolen information.
Product: Credit reporting or other personal consumer reports

When I checked my credit report today, I saw inaccurate accounts listed, and I cant figure out where they came from. This has never happened before, and Im so confused. I even thought it might be an issue with my browser, so I refreshed it, but the errors didnt go away. Im desperate for someone to go over the documents I provided and fix this, so I can finally stop feeling so helpless and worried about my credit report.
Product: Credit reporting or other personal consumer reports

I have asked for an updated credit report and can not access this online at the company 's site. I called and it's impossible to get someone to respond
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION STILL SHOWING ALL MY OLD CLOSED CREDIT CARDS AS DEROGATORY THAT WERE XXXX XXXX ( 2 ) YEARS AGO XXXX XXXX XXXX XXXX THEY ARE NOT DEROGATORY. THEY ARE CLOSED
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX and experian on the chapter XXXX bankruptcy that is currently on my credit report. They told me that the public record can not be remove from my credit report file. The Chapter XXXX bankruptcy has been discharged and should have been remove from my credit report. They are telling me that they have to wait on the XXXX XXXX Court to tell them to remove the Chapter XXXX bankruptcy. The court is telling me that they only deal with filing and discharge on the case. I am needing this remove from my report do to it is over 7 years old.
Product: Credit card or prepaid card

I was booking a flight on the XXXX XXXX website. There was a promotional offer, which offered a {$200.00} discount if I applied for a Citi / AAdvantage Platinum Select card and paid for the trip through the card. I applied for the card and received an email almost immediately to say that I was approved. Unfortunately, the email said it would be 7-10 days before the card arrived in the mail. I called XXXX XXXX to ask how I was supposed to take advantage of the promotion, since the flight reservation would be held for only 24 hours. They explained that Citibank should have given me a temporary number with which to pay for the flight. They transfered me to Citibank to receive the temporary number. Citibank said they would not give me a temporary number, and that I would have to wait until I received the card in the mail, at which point it would be too late use that card to pay for my flight. The only reason I applied for the card was to take advantage of this offer, but the process is structured so that it is actually impossible to take advantage of the offer. The promotional offer is a complete fraud.
Product: Mortgage

XX/XX/XXXX- Rocket Mortgage ( RM ) effectively doubled our supposed tax liability, began collecting from us accordingly & did not respond to my request for explanation. 
XX/XX/XXXX - Through my own research I determined RM had attributed a parcel to us that was not deeded to, billed to, mailed to, or paid by us. The bill for that parcel was roughly {$18.00} annually, but RM used it to nearly double our approximate tax bill of {$6400.00}. I provided documentation & a complete explanation of my findings to RM. 
XX/XX/XXXX - I learned RM had paid the aforementioned misapplied tax bill ( which, again, was in no way affiliated with us ) from our escrow account. It had not, in fact, been removed from our escrow account THREE MONTHS PRIOR despite the documentation and information I provided. I reached out to RM again & was told the misapplied parcel had been removed, but somehow reassigned to our account. 
XX/XX/XXXX - I finally received confirmation the misapplied parcel had been removed from our escrow analysis with no explanation as to how it was applied in the first place FIVE MONTHS PRIOR. 
XX/XX/XXXX - I received an unexpected large escrow refund from RM, logged in to my countys property tax website and found RM had FAILED TO PAY the taxes due XX/XX/XXXX. I was later told that the due date of our annual property tax bill had been entered as the MATURITY DATE OF THE LOAN. 
XX/XX/XXXX - RM made payment of our delinquent tax bill, but failed to pay the entirety of the late penalties assessed. 
XX/XX/XXXX - I emailed yet another copy of the tax bill & late payment penalty policy to RM & requested the remaining penalty be paid. 
XX/XX/XXXX - The balance of the late payment penalty REMAINS UNPAID and our tax bill continues to show a past due amount, attributed solely to RMs negligence in managing our escrow account. 
Dating back to XX/XX/XXXX, I have repeatedly requested contact from representatives within the tax and/or escrow departments and begged for someone in leadership to take notice and ownership of these repeated debacles. I was never granted any of these requests, always being told no one in those departments is customer facing. My single point of contact over the last 15 months has been professional and apologetic, but only able to assist to the extent RM allowed him, which appears to have been limited to simply forwarding my emails to others and waiting for an eventual ( if any ) response. The amount of time & effort I have had to expend personally researching, identifying, documenting & requesting correction of multiple RM errors and the refusal of anyone within the company to address or take ownership is inexcusable. The likelihood that mistakes like these are happening throughout the organization to unsuspecting borrowers is great and should be of huge concern to all.
Product: Credit card or prepaid card

Have been a Discover Card holder since the XXXX 's and somehow missed a payment for a {$110.00} purchase in XX/XX/XXXX. I schedule my payments in advance so don't know why it didn't go through - perhaps a glitch in their software. Paid for the {$110.00} purchase but was charged {$31.00} ( 27 % of purchase ) in late fees. When I didn't pay the exorbitant fee, another {$31.00} in late fees was charged the following month ... no purchases had been made ; it was simply a late fee and interest on the prior month 's late fee and interest only - now accumulating to {$60.00} in fees on a {$110.00} purchase ( 52 % of purchase ). When I called to get fees credited, I was told they could credit the first {$31.00} but I would have to pay the second fee on the first fee that was being credited! I am a XXXX XXXX and have been a long time cardholder with an immaculate payment history. I told them to close the account and that I would not pay it and was told the fees would just keep accumulating month after month. Discover used to be consumer friendly - seems like they're more into bullying these days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a debt on my credit report XXXX XXXX XXXX XXXX that is already more than 7 years old. The company waited until this hit the 7 year mark to sell my debt so that it would be re-reported. I tried to work this out with them when the original loan defaulted, the repossessed the car and sold it making back almost every dollar I financed. They would not agree to let me pay the balance in arrears monthly and wanted me to instead take out another loan to pay theirs off. I could not qualify for another loan and they advised me at the time to just wait it out then until it fell off. XXXX at 7 years they sell the debt and it is negatively impacting my credit score when I tried every resource possible to pay them back/ off at the time that it was happening. As a matter of face I had the money for the two months that I was behind when they repossessed the car and they would not accept my payment and insisted on me getting a new loan elsewhere to pay them off. I want this loan removed off my credit as the company made their money back when they sold the vehicle, they did not work with me to get this rectified and they lied to me and sold my debt at the 7 year mark to keep my credit score down. I accept full responsibility for any debts that I knowingly have defaulted on my credit but what they did is not only wrong but its deceptive to tell a consumer to just wait it will eventually fall off and then sell it is deceptive practices. I would like this removed off my credit report immediately.
Product: Debt collection

I opened an account with XXXX on XX/XX/XXXX not knowing it was a XXXX subscription until I received the email right after. I then called XXXX  within 2hours to cancel my account stating I did not know this was a XXXX subscription, they had already took a one month subscription for XXXX and I was told that I owe XXXX. I told them to cancel my account and that I did not want a XXXX subscription, my account was then canceled on XX/XX/XXXX and they stated I could not have the XXXX refunded and I still need to pay XXXX even if the account is closed.I let them know that I would not be paying for a subscription that I am not using and that I should not have to pay since closed the account. I was contacted on XX/XX/XXXX by a collection agency RFGI XXXX XXXX XXXX stating that I owe a debt of XXXX to XXXX and they would to collect this date within 90 or they will report this to the credit bureau and this would affect my credit. I ask them if they had my social security number she stated yes, I proceeded to ask how did you get my social security number I never gave my social security number to XXXX she told me that they had my social security number, and she then was able to provide me with my social security number in which I never disclosed to them or XXXX. I then ask for a supervisor XXXX XXXX to ask how did they obtain my personal information meaning my social security number.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I spotted some unauthorized inquiries that needs to be removed from my credit report immediately.