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

There has been multiple times where cash app has taken money out of my account without me knowing why and when i try to dispute it they tell me its unavailable
Product: Vehicle loan or lease

On XX/XX/year> I contacted XXXX XXXX phone number XXXX ext XXXX at Danco Financial in regarded to an inaccuracy on my credit report. Danco Financial charged off the debt but they are reporting to XXXX that the debt is open. I provided these details to XXXX XXXX at email address XXXX. Please conduct an investigation to ensure that this creditor Danco Financial are following FCRA guidelines.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  Hard Inquire on XX/XX/2022 ( XXXX ) XXXX call yesterday at XXXX pm. XXXX stated that there was no information with my name and social. Instructed me to report it to XXXX XXXX to remove this item. 
XXXX. XXXX Hard Inquire on XX/XX/2022 ( XXXX ) XXXX call yesterday at XXXX. They as well don't have any information in my name or social. Contacted XXXX XXXX to remove this item. 
Bar Clay 's Bank Hard Inquire XX/XX/2022 ( XXXX ) XXXX. Calle them today at XXXX am as the other inquires they all so don't have any information on me. Contacted XXXX XXXX to also have this item removed from my account.
Product: Credit reporting

I hereby acknowledge that I am the author of all data within this complaint, and I am the owner of all accounts identified within this complaint. I am the author of all text within this complaint - as well as the intellectual owner of the identified data issues on my file. there is no credit repair agency involved, simply myself - a consumer who is being educated through all of this activity. 

I, as an American Citizen - have an entire right to have this dispute, heard, managed and resolved through this portal. Prohibiting my right, by again stating something you know, and have been told numerous time previously to be false - is prohibiting me of my right and is your liability. 

Your Comments from the previous and related dispute just filed on XX/XX/XXXX - are simply untrue. 

" Please be advised that Equifax will not respond to this complaint via the portal as we suspect that it may have been submitted using a credit repair company. The format and verbiage of this complaint is similar to many other complaints that we have received from consumers utilizing the services of a credit repair company or 'credit clinic '. To ensure the privacy of our response, we will send the results of our reinvestigation to the consumer 's current address utilizing our normal dispute process. '' The issue remains -- - This account is incomplete, and inaccurate. 

The XXXX XXXX Account, Activity Designation Should be " Paid and Closed '' and not NA. 

The Pay History should reflect only for the months in which this account was opened. 

When EQ manually updated this Tradeline XX/XX/2016, the Pay History was space filled with NR. 

The Comments and the HC listed, are inaccurate as well. The Card NEVER had a High Credit of XXXX, or was at the limit.
Product: Mortgage

Spoke with loan officer he had told me about rates and cost said there was a XXXX dollar origination fee to get started on loan then sent me a receipt in an email saying it was a loan application fee after getting all documents ibwas unable to pay through the portal I recieved docs on so he took it over the phone after receiving my money and all my docs takes him forever to answer texts messages if he does I believe when refinancing a home communication is very important if he dont communicate with me how does loan ever close they can walk away from loan of I fail to keep in contact and provide docs without consequence but want to keep my XXXX origination fee for producing nothing on the loan I feel I held up to my side of the loan and produced what was needed they produced nothing this company uses the XXXX deposit as hostage money so they can keep you locked on to them and dont stray for a better deal
Product: Debt collection

ERC received a 609 Letter on XX/XX/XXXX with USPS certified tracking number XXXX. Provided no response as requested. 

ERC received a Follow up Letter on XX/XX/XXXX with USPS certified tracking number XXXX. 

ERC Provided no Response as requested. Failed to delete account XXXX as no documentation was provided. 

As ERC is in violation of the Law, ERC is subject to a fine of {$1000.00}
Product: Credit reporting or other personal consumer reports

I am writing to dispute an unauthorized access to my credit report, which I believe is in violation of 15 U.S.C. 1681b of the Fair Credit Reporting Act ( FCRA ). Specifically, I have discovered that my credit report was accessed by XXXX XXXX  XXXX without my authorization, or any permissible purpose as defined under the FCRA. According to the FCRA, a consumer report can only be furnished for specific permissible purposes, such as credit transactions, employment, insurance underwriting, or other legitimate business needs. I did not initiate any transactions, applications, or business relationship with XXXX XXXX  XXXX, nor did I provide written consent for my credit report to be accessed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I disputed XXXX XXXX XXXX  account showing on my credit report paid and closed in XX/XX/XXXX. The account was paid in full over the phone in XXXX so I was disputing it because when I called the creditor to pay it I asked if I could pay it on the condition that it be requested by the creditor to be removed from my credit report. I have disputed this a few times. I called Experian after my dispute was denied and they told me it was up to the creditor to request it, confirming what I thought. So I called the creditor and spoke with a couple people. They said they dont have any record of my call in XXXX asking for it to be removed. I asked them to listen to the recorded call and they told me they didnt have a call. This is unreasonable since they have record that it was paid and I paid it over the phone. They also told me because there were late payments they had to report it accurately and it could not be removed from reporting because of that. That this was up to the credit reporting agency. I called back the credit bureau Experian and the gentleman told me thats not true. He said he has been able to remove even delinquent accounts with late payments as long as theyre paid. Contrary to what XXXX XXXX  told me, the credit bureau said it was done at the request of the creditor. This is not only misleading but its an obstacle to navigating credit reporting resolutions. In addition to the creditor falsely stating that paid accounts with late payments can not be removed according to the agreement made between the two parties, blaming this policy on credit reporting agencies and the failure of the creditor to keep records, the contact information provided to initially reach the creditor was also incorrect. I had to call 5 different XXXX numbers and get transferred multiple to these phone lines that were wrong numbers. Eventually I got the correct number which is XXXX. I was only able to get this number by calling an active XXXX  account I have and being transferred. I know the CFPB works to help consumers and I am submitting this complaint because it shouldnt be so difficult to navigate to try and find a resolution. Creditors should not give misleading or false information about why a dispute was denied or what recourse should be taken.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went onto the free website, I received easily, XXXX and XXXX all done on website. Equifax no. Last 2 years, you ca n't get your free credit report unless doing onerous requirements plus nothing can do by email or on line. They make you do by mail, then have to make numerous copies of things and then send to them by mail. If they make it to get it this hard, it must be impossible to correct anything with them.
Product: Credit reporting or other personal consumer reports

I have no knowledge of these accounts and inquires they are unverifiable and fraudulent please delete these accounts and inquiries immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Inquiries XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023
Product: Credit card or prepaid card

I have faithfully made my payments on my Best Buy credit card for many years. In XXXX 2017 I started using a new checking account. The payment went through, the new checking account was selected for all future payments. XXXX XXXX, 2017 I logged on and saw my payment was scheduled for the correct account. Now on XXXX XXXX, 2017 I logged in to find my account is past due. Somehow they decided to charge the old checking account they had on file, which I closed in XX/XX/XXXX, and they 're charging me fees and raising my payment citing the late payment as the reason. This is the second time I 've had an issue with my account. The first time they switched my information, ( eg : name, address, credit card number ) with someone else that I 've never heard of and it took two hours to fix it. Now between my fiance and myself we 've spent an hour on the phone and with Citibank online fighting because they want to charge us fees for a late payment when it was not our fault. I 've never been late with my payments on my Best Buy credit card and they argued with us. This practice needs to be fixed, after a quick search online I 'm not the only one that 's had to deal with this through Citibank. We were left talking in circles with reps. At one point the reps said they could fix the fee 's if we paid the {$58.00} that was due. I felt like I was being extorted because my payment would n't be that high if they did n't charge the wrong account. The rep had the audacity to act like they were doing me a favor that way. It 's absolutely ridiculous to treat people like this over and over again and I 'm wondering how many people they 've done this to that do n't know they have recourse.
Product: Debt collection

Midland Credit has repeatedly stated for the past XXXX years that they were trying to collect a debt on behalf of XXXX They also have done the same thing for an account previously owned by XXXX XXXX... 

This is not only NOT true, But a Lie... They said on multiple occasions that the Creditor would not approve my offer to settle for less than what is owed. I explained my hardship over and over. 

I am also in the state of Nevada, the statute of limitations to collect credit card debt is XXXX years. That starts from when the XXXX payment was missed which was before XXXX XXXX XXXX
Product: Credit card or prepaid card

This complaint is for recent activity on XXXX of my credit accounts with U.S. Bank, that I think the bank treated unfair and caused serious damage to my credit report.

It is concerning the credit card ending in XXXX that I had since XXXX and I believe was in good standing. From the opening in XXXX this card had no annual fees, and I believe I was not informed of any changes to the terms. The card had {$17000.00} credit limit and had XXXX balance for several months. 

In XX/XX/XXXX XXXX Bank imposed {$25.00} annual fee. It went below my radar, for the account was not in use and thus not routinely monitored. I believe I did not receive any notices in the mail, while paperless notices were inaccessible online. U.S. Bank was prompt to report the serious delinquency to credit bureaus and cut the available balance from {$17000.00} to {$500.00}. 

This caused significant reduction of my available credit, increase of % % of credit used, as well as delinquent status on my credit report. Now US Bank uses the drop in credit score to impose further rate increase on my other accounts and further limiting my available credit. I feel I have been treated unfairly and disproportionally punished. 

As soon as I had found out of the missed payment, I immediately paid off the outstanding balance even though I didnt understand the reason I was charged annual fees. I have contacted US Bank in writing and did not receive a response. I request US Bank to remove delinquency record from my report, and restore the card limit to XXXX XXXX amount.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, 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
Product: Credit reporting, credit repair services, or other personal consumer reports

These companies broke the law and violated 15 USC 1681 ( a ) ( 1 ) & 15 USC 1681 ( e ) maximum accuracy compliance and procedure they hired XXXX, TransUnion, and XXXX who are furnishing inaccurate and unverified information on my consumer report. Proof of inaccuracies is attached XXXX XXXX XXXX Last reported XX/XX/2023 {$320.00} Open balance XXXXXXXX XXXX  Original creditor XXXX XXXX XXXX Last reported XX/XX/2023 {$250.00} Open balance XXXX XXXX  Original creditor This is making me lose confidence in the banking system due to these violations. I the consumer does not grant XXXX, TransUnion, or XXXX the permission to furnish these inaccurate reports I demand that they delete this account from my consumer report. in accordance with the fair credit reporting act convergent XXXX, XXXX, and TransUnion has violated my rights. 15 USC 1681 section 602 A. States I have right to privacy 15 USC 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Checking or savings account

In late XXXX my debit card from Bank of America was used and XXXX $ was stolen off it and in early XXXX my debit card from Bank of America was stolen and XXXX $ was taken out my account now both times I called the bank and filed a claim they recently got back to me and denied my claim saying I stole my own money. On XX/XX/XXXX they took the credit they gave me and also took money I had in my account which now i have a XXXX $ in my checking account. Before they took the temporary credit I had faxed them a written statement explaining the claims and stating that I didnt steal my own money they said they didnt get them so I faxed the same papers 3 more times and they still say they havent received them and that its nothing they can do for me expect try and make me pay the negative balance which Im not go do since Im not liable for the fraud that took place on my account
Product: Debt collection

To whom it may concern, On XX/XX/XXXX a company out of XXXX Illinois reported a collection/chargoff notice on my credit report for the amount of {$19000.00}, with a listed account number ending in XXXX. This debt is listed as originating in XXXX, 11 years ago. This is not a valid debt as I have never been responsible for this debt or its repayment. This is an attempt to sabotage my credit in order to intimidate me to pay back a debt that I have never signed for and am not responsible for. Please help me remove this fraudulent attempt to smear my credit. I am happy to answer any questions you may have and I appreciate any assistance you can provide me. 
This collection company is unable to provide any signed documentation that proves I am responsible for this debt as I never signed any type of agreement associated with it. 

Thank you, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2021, Axos Invest updated its account services. Due to this update, I no longer had access to my XXXX and Personal Investment account. I spoken to nearly a dozen of customer service representatives, including an account manager, but I have not been told why my account has been locked. Axos Invest refuses to give me an updates or to inform when this issue will be resolved. Because of this lock, I am unable to add or withdraw over 80,000 dollars worth of investment funds.
Product: Money transfer, virtual currency, or money service

I was given Exhibit A on XX/XX/XXXX, after my repeated request asking Mr. XXXX XXXX for a receipt where he paid {$230000.00} cash for our property. and Shellpoint Mortgage Servicing XXXX XXXX, provided him with an obsolete HUD-1 Settlement Statement, Exhibit A. As you compare my 1999 HUD-1, Exhibit, you can see the lines at the bottom of the page and upper and lower small print statement vary, you can see where it is a crime to engage in Mortgage fraud. Therefore, I submit my complaint for violations of the 18 U.S. C. 1018 1010. It is a crime to use a HUD-1 form as proof of a sell/purchase normally reserved for loans and refinancing. However, the HUD-1 form used is obsolete  as of XXXX, and it is not signed by the purchaser nor is there a wire transfer number for funds received or a check number for this so-called transaction that Ms. XXXX XXXX of Shellpoint Mortgage Servicing provided as proof of payment which is a fraud. XXXX XXXX did not pay one cent for our property and Shellpoint is using this obsolete HUD-1 form in a civil matter to deceive in which CFPB is supposed to protect the consumer from.
Product: Vehicle loan or lease

I have identified inaccuracies in my XXXX Report that do not belong to me, indicating potential fraudulent activity. I have made diligent efforts to rectify this issue by engaging in written communication with XXXX. Despite my attempts to address the matter through mail communications, XXXX has been unwilling to comply with federal law and correct the inaccuracies. I am attaching proof of my attempts to resolve the issue through documented mail communications. This evidence highlights my commitment to rectifying the inaccuracies on my credit report and demonstrates XXXX 's non-compliance with federal regulations. I kindly request your intervention in this matter to ensure the prompt correction of the inaccurate information on my credit report. Your assistance in resolving this issue is greatly appreciated, as it is adversely affecting my financial standing and integrity. 
Thank you for your attention to this matter, and I look forward to your guidance on the necessary steps to address and rectify this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have 2 companies XXXX XXXX and XXXX XXXX  who have been reporting to my credit report. I have contacted the agencies and they still do not remove the information.
Product: Money transfer, virtual currency, or money service

I am closing escrow soon and am trying to withdraw money from my Robinhood account to fund that escrow account. According to their withdrawals documentation ( https : //robinhood.com/us/en/support/articles/spending-limits/ ), I am able to use the ACH option to withdraw to a bank account free of charge with the following limitations : - Maximum daily withdrawal amount : {$50000.00} - Maximum daily transaction limit : 5 - No fees Based on this, I made a financial decision to take advantage of their high yield interest rate with the intention of being able to transfer that money back to my chase account in daily increments of {$50000.00} using the free ACH transfer option. I was planning on doing this a total of 8 times to be able to fund my house 's closing costs. 

We opened escrow last week, so I began this process on the XXXX XXXX XXXXXX/XX/year>2025. I was able to withdraw without any issues on the XXXX, XXXX, and XXXX. I attempted to do the same process today ( the XXXX ) and I was unable to complete the process. The ability to perform the same transaction was blocked ( the button was greyed out on the mobile app and an error on the web app ( " You can not withdraw more than {$50000.00} in one business day '' ). The only other options for me to select to withdraw my money to my bank account was to use the instant option ( incurring a {$150.00} fee per transaction ) OR to wire my money out ( also incurring a fee ). This is not fair, and it is clear that Robinhood

disabled the option to transfer money out intentionally. I am playing by their rules, and they are not upholding the terms set by their documentation. They may claim that its for my protection, but if it truly was for my protection then why am I able to still use the paid options to liquidate my account? Currently the anti-consumer practices that I am observing are the following : - I am not able to wire money to any third party accounts ( in this case the escrow account ) from the Robinhood account, requiring that I transfer my money to a personal bank account to be able to fund my escrow account. I have not heard of another institution placing the same limitations on wire transfers. - My capability to transfer money without charge to my own account via ACH has been been inhibited for unknown reasons. - Allowing me to transfer the same amout using their premium priced " instant transfer '' feature is predatory when I don't really need it to post same day, when I have allotted time to be able to complete the transaction of the course of a couple of weeks. Attached to this report are screenshots of the limited capabilities that were mentioned.
Product: Debt collection

FAILED TO VEFIFY DEBT WHEN REQUESTED In accordance with the Fair Credit Act XXXX  Account XXXX  XXXX, XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602A States I have the right to privacy 15 USC 1692g Section 809 If the consumer notifies the debt collector in writing within the 30 day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor.
Product: Vehicle loan or lease

I paid my car and I have received my title as of yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform you I was the victim of identity theft. Per FCRA section XXXX you are required to remove/block any items listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX