23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a call on my cell phone from Northstar Location Services out of XXXX, NY. They were attempting to contact my niece who does not live with me and with whom I have not spoken in many months. Within a minute of that call, they called her mother. They also called the landline of her Grandmother and Grandfather and both of their cell phones within minutes of the other calls. My niece did not give out our numbers as contact numbers. The debt collector told me he found our numbers by doing a search. I have never heard of all a person 's family members being called related to an adult 's debt.
Product: Checking or savings account

On XX/XX/XXXX, I initiated an ACH from the XXXX XXXX account on Robinhood. I had {$36000.00} in already settled funds in the account enough to cover two ACH withdrawals. One to my XXXX account in the amount of {$35000.00} and another to my XXXXXXXX XXXX account in the amount of XXXX. For no reason whatsoever, XXXX and ROBINHOOD decided to reject the ACH 's one after flagging them as fraudulent and flagging my entire Robinhood account which is now restricted from doing anything. I can't trade or access my funds. I have bills to pay that were to come from that XXXX withdrawal which I now can not access and also XXXX liquidated my position the next day at a loss ( which they shouldn't have done when they promised me XXXX days to reinitiate the transfer ) costing me to take a loss which I had to pay due to Robinhood and XXXXXXXX XXXX actions that were not my fault as the funds were indeed there. 

I am not a money launder and I am not committing fraud. These funds are tax exempt funds from the proceeds of my personal home sale. I have been calling Robinhood for the last XXXX days and they are holding my funds continually now telling me that I will have to wait another 7-10+ days for them to complete their investigation into me. I have provided them with live selfies, my current IL Driver 's license, my Passport, my bank statements for all accounts involved, incoming and outgoing, and whatever else they asked for. This is in addition to the XXXX days they have already held my funds. 

I am in limbo and they are committing a crime against me here. It doesn't take this long to verify my identity and run me through whatever database they want to see that I am not a criminal. This is NOT okay and I am very angry with them. Their AI or whatever is flagging accounts saw my large transfers as suspicious but they are not. I have been a XXXX customer since XXXX without a single issue. XXXX and Robinhood should be ashamed that they consider anyone transferring money to XXXX as a criminal. It is not a crime to want to invest in some crypto esp. with the Bitcoin ETF news that just came out. 

I was planning on investing in crypto on Robinhood but they have too many limitations on the platform so I simply changed my mind after my funds were transferred. Customers have a right to change their minds and do whatever they feel like with their funds after all!!!! I realize they have to comply with Federal regulations and I realize there are a lot of fraudsters causing havok on the internet however this is not okay to make honest people suffer for those bad actors. 

I need a quick resolution to this. I am distraught and feel like I transferred funds to a bunch of criminals at Robinhood.
Product: Credit reporting or other personal consumer reports

I recently disputed with cfpb because there are credit cards and loans being reported that I didn't authorize.according to ( USC 1681 ) I have the right to my report being ACCURATELY reported, ,fairness, and the privacy of my personal information being assembled by reporting agencies.i haven't authorized anything on my credit in over XXXX years so someone used it.my inform was exposed in the recent data breach.i demand that all accounts previously disputed with cfpb be REMOVED.
Product: Vehicle loan or lease

I bought a car from XXXX, used their lender ( Bridgecrest ) for convenience. Refinanced with XXXX, sent payoff check to address listed in Bridgecrest 's FAQs. Mailed it signature confirmation, but never signed for. I contacted Bridgecrest, told that was not the best/correct address for payoffs, was advised to cancel check, have new check sent to XXXX, AZ address. Did this on XXXX and new check arrived to me XX/XX/XXXX. In the meantime, received notice from Bridgecrest that loan was paid in full. Assumed they were able to process check before it was canceled. Received call on XXXX, check was returned unpaid. XXXX advised check not paid because it did cancel before they processed it, advised to send second check that I received XX/XX/XXXX. Sent that check XXXX  overnight, signature confirmation. This was signed for XX/XX/XXXX at XXXX. Received call XX/XX/XXXX, payment late, they haven't received/processed check, a FULL month after check signed for! Received emails about late payment, repossession. I was assured that it was being taken care of, that my account was on a hold status so that nothing would be reported to the credit bureaus. On XX/XX/XXXX, Bridgecrest responded to my XXXX  complaint that my account was paid in full, everything back dated and closed. On XX/XX/XXXX I received another email saying my account was past due and that was the last day I could pay without being reported. I again reached out to my POC, XXXX, who didn't contact me back until XXXX and told me that the second check was returned Insufficient Funds! I knew this was a complete lie. I went to the credit union first thing the next morning where I was able to get a photo of the processed/paid check and the electronic transaction record. I sent her this proof and the next time I tried to log in to the Bridgecrest portal, it said I no longer had an account. I was fine with that, thinking this mess was finally over until I got notification that my account was reported as 60 days past due to the credit bureaus!!! This company is completely incompetent and extremely deceitful. I have tried contacting them multiple times to get them to clear this up with the credit bureaus and I have disputed the reporting myself, but the damage is done! My credit score has dropped over 100 points!! They need to be held responsible for everything that they did, or really everything that they DIDN'T do!
Product: Credit card or prepaid card

I filed a complaint with the CFPB see case number below. 

I still disagree with their response. AMEX cant even get the date I opened the account correct. Their response letter says XX/XX/2022 I opened the account but it did not have the 0 % promotional offer linked to it. However I opened the account on XXXX XX/XX/2022. I have confirmed this with my credit report. 

An ANEX manager told me AMEX doesnt even know what offers are given out through 3rd parties such as XXXX where I signed up for the card. If they dont know the offers and dont know when I opened the account, I cant take their response. 

I would like AMEX to honor the offer I signed up on and detailed in my last complaint.
Product: Credit reporting or other personal consumer reports

I filed a FTC report for identity theft because my personal information has been exposed in a data breach of over XXXX XXXX consumers personal information.I would like and appreciate to have all accounts showing on my credit report removed immediately pursuant to 15 USC subsection 1681 immediately. Ive sent my request for the immediate removal of accounts to all XXXX credit bureaus.
Product: Credit card or prepaid card

Discover Card issue. XX/XX/XXXX : {$77.00} charge at XXXX XXXX disputed as possible fraud. Charge removed by Discover. Subsequent, undisputed charges at XXXX XXXX rejected by Discover. I contacted Discover and confirmed the purchases. Ask them to pay the {$77.00} charge, too, just to clear the issue. XX/XX/XXXX : XXXX XXXX charges totaling {$8700.00} appear on my Discover statement. XX/XX/XXXX : XXXX XXXX rejects an on-line purchase, not charged to Discover, claiming that Discover never paid them for over {$5000.00} of the charges that appeared on my XX/XX/XXXX statement. I have paid Discover in full. I contacted Discover in XXXX and XXXX of XXXX, spending hours on the phone requesting evidence that they paid XXXX XXXX, so I could present that to XXXX XXXX. On both occasions, I was told that documentation would be mailed to me. I have not received it.
Product: Debt collection

Good Afternoon and please help me~!!! 

I'm not quite sure who i need to reach out in regards to this, but back in XX/XX/XXXX-XX/XX/2018 i resolved this issue here with XXXX XXXX  and disputed it directly with them and the company that held this debt. It was determined that the account was not mine and it was deleted from all the 3 major credit bureaus. Today i pulled my credit and not only i found the only negative thing on my credit, but totally different collection name, different account number and different open date. This is wrong. Again, I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Product: Checking or savings account

My wife XXXX XXXX XXXX and I, XXXX XXXX XXXX, have been clients of Credit Karma for years. We have done our taxes though them for the last 3 years. This year they decided to offer a savings account that your refund could be automatically deposited in. We decided to accept. We did but we were never given an account number nor an account number for this savings account. We tried to link my wife 's ebank info to this account but because it was under my name, they would not allow it. So I have been trying to set up an ebank account and finally achieved that on XX/XX/XXXX. Even tho, the check is in both of our names. Taxes were file on XX/XX/XXXX. On XX/XX/XXXX our tax refund of {$48.00} was deposited in said savings account. I have made contact by email, and online chats as Credit Karma in its great wisdom does not provide a customer service number so you can talk to a live agent. Since I was rightfully upset and told them I wanted the account closed since they would not let me link to the savings account now, I told them I had already complained to the better business bureau and intend to contact the MO AG and our local sheriff 's department. In the meantime, our stimulus check was deposited in Credit Karma savings account. So now there is {$2400.00} in said account.I have kept all of those complaints and their replies which are ridiculous.Next I get an email telling me that I have to use the phone to take pictures of my drivers license and a utility bill after logging into creditkarma.com/id-verification Okay, done. They send a code which they never asked me for. I did as they asked, took said photos which were promptly rejected. The email also told me that I would receive a counter check in 15 to 21 days after they accepted my id info. As I said it was all rejected and I was told to contact support again which I tried to do by chat but no agent ever showed up. I did report them to the XXXX XXXX XXXX of XXXX XXXX. However the bank they used for the savings account is XXXX XXXX, XXXX out of WV. I found out that a lot of people have had problems with Credit Karma savings accounts and the reviews are extremely bad. I will be closing all credit karma accounts and taking my taxes elsewhere from now on. 
As of XX/XX/XXXX XXXX XXXX I have received no reply email after sending yet another request to Credit Karma through member support to tell me how they intend to take care of this situation. So I can only assume that they do not care enough to provide a solution.
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

I do not have any original information because, as I said, I have not opened any accounts since 2017. I need more details along with proofs.
Product: Credit reporting

Failure to report credit experience correctly as per request of the creditor : On XXXX XXXX, XXXX, XXXX XXXX XXXX obtained a loan from the XXXX located at XXXX XXXX, XXXX, XXXX XXXX. I, XXXX XXXX, was included improperly as a co-signer although I had not I agreed as such. 
The XXXX violated several laws and consumer related regulations, such as, to name a few, the Truth in Lending Act, the Fair Credit Reporting and Equal Credit Opportunity Act. For the former the violation consisted of failure to properly notify the " cosigner '' and obtaining a signature using unfair and deceptive practices. 
The aforementioned resulted in litigation. On XXXX XXXX, XXXX, the parties reached a Settlement for all claims and counter claims. See attached XXXX XXXX ( Settlement Agreement ). Under the agreement the XXXX agreed to report the original credit as : " Paid as agreed ''. See Article 6 highlighted in yellow. The XXXX also agreed to remove derogatory information as indicated in Article 7. 
We have been in contact with the XXXX and they have indicated that they have reported the credit information as established in the agreement. We informed the XXXX that the information in the credit report is the same that was there before the agreement was signed. The XXXX indicated that they made the changes and that the failure to report the changes is the responsibility of the credit bureau. To this effect on XXXX XXXX, XXXX, they provided us with a letter indicating that the credit has been reported to the credit bureau in accordance with Article 6a and XXXX of the Settlement Agreement. See copy of the letter attached. 
We are hereby requesting that the credit bureau take immediate steps to correct their record and report the credit as Paid as Agreed as indicated in the settlement agreement and remove all derogatory information as indicated in Article 7 of the attached settlement agreement. 
Your cooperation in resolving this matter expeditiously is appreciated.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and i seek appropriate redress for the violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

List of Unauthrozied Inquires on my TransUnion credit report that have not been removed : TRANS UNION XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

LVNV Funding LLC representing XXXX XXXX XXXX XXXX. l has repetitively sent correspondence demanding payment for an unknown debts. When I requested by law that they send me identifying documents to show that I owe this debt such am ID, Social Security Number, and/or contract bearing my signature, they have not done so. Their claim is Hearsay according to law. In the midst of this, they are ruining my quality of life because they have put this item on my credit : XX/XX/19 amt {$760.00} XXXX XXXX   XXXX XXXX
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of XXXX XXXX. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is XXXX XXXX true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( XXXX ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section XXXX ( a ) ( XXXX ) ( A ) & Section XXXX ( a ) ( XXXX ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section XXXX ( a ) ( XXXX ). Please be advised that under Section XXXX ( a ) ( XXXX ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section XXXX and XXXX XXXX provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. 

Since you claim XXXX verified the item listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified these items based on Section XXXX ( a ) ( XXXX ) ( A ) & Section XXXX ( a ) ( XXXX ) ( A ) & I will be seeking a legal remedy. 
XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I paid off all my debts. I settled with American express in court. They are saying I still owe
Product: Credit reporting

I got an alert from XXXX that experian inserted a new inquiry on my credit report. I 've never heard of this company, XXXX, never aufhorized any inquiry from them, it just popped up.
Product: Credit reporting or other personal consumer reports

My name is XXXX and I'd like to file a complaint against Equifax, XXXX and XXXX and all the secondary bureaus. They have my or had my complete consumer file under the wrong name alltogether. Under the provisions made by the Fair Credit Reporting Act, I have the right to accurate reporting of any and all information pertaining to me. With that being said, I'm requesting that : 1 ) My name is uptated on all 3 bureaus.

2 ) That ALL accounts that report any name other than mine : XXXXXXXX be removed immediately please. These account are not mine and I have for way too long suffer the consequences of inacurate reporting which has negatively affected my life and that of my wife and XXXX children.

3 ) There are list of student loans that are questionable and I'd like to have them investigated and removed if there's any inacurracy.

Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, XXXX XXXX XXXX XXXX did a hard inqury on my report. During that day, I was at the XXXX Dealership looking to purchase a new car, which never happened. The salesman provided me with two lenders they used ; however, XXXX XXXX was not on the form. 

They ran my credit and caused my score to decrease. I did not authorize them to run my credit as I already have an account with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent a 609 letter and it has been 30 days since the company responded. They have not showed me proof that 2 XXXX accounts that are closed/in collections are mine.
Product: Debt collection

Allied Interstate, ( XXXX ) XXXX, has called at least 10 times ( almost every weekday ) since XX/XX/2020, sometimes in the morning between XXXX & XXXX XXXX and sometimes in the evening between XXXX & XXXX XXXX The phone rings only once and they never leave a message.
Product: Mortgage

Hello, my mortgage lender company is Mr , Copper and in XXXX due to Covid-19 hardship, I had difficulty keeping up with my mortgage and I enroll in the program to stop payment till getting back to work and repay my debt. in XXXX My total year-end mortgage was {$11000.00} and I paid up to {$8400.00} and my Unpaid balance was {$3000.00}. 
in XXXX I total years-end mortgage was {$11000.00} and I paid up to {$16000.00} as per request and some point I called in Mr copper and report that I am getting charged over what I actually owed, and they do not have you directly talk to anyone they just take a report and sent it out to other departments to resolved the issues and do not give any email or confirmation number about the call, give you nothing at all so I do not have any proof of my call and that was the reasons that I called for, they just know about it and kept saying will be resolved in XXXX to XXXX hours and it is been going on and on and they kept asking for money by as of XX/XX/XXXX I have over paid them for {$1700.00}, I someone from Mr , Cooper who said that she is only one that I can talk to, and she at beggining had agrred that I paid up to a month of XXXX and later she changed her word around and when she found out that the mortage payment and i was making she deposited under the XXXX insted of mortage payment and made me to keep paying for mortage which I have already made. her name is XXXX XXXX this is a copy of now they are requesting another payment for the month of XX/XX/XXXX, I like to know where did go the mortgage payment I have made? why I can not ask for help but only XXXX XXXX XXXX. she is the one who made the mistake of taking my monthly mortgage payment and depositing under different locations. 
her email : Thank you for allowing me the opportunity to assist you today. 

I will be your single point of contact. 

My direct contact number is XXXX, please call me directly if you have any questions. 

XXXX XXXX XXXX XXXX XXXXrom XXXX A.M. ( XXXX ) to XXXX P.M. ( XXXX ) XXXX XXXX ( XXXX ) Executive Resolutions Team ( P ) XXXX Thank you.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to request unauthorized credit inquiries to be removed from my credit report. I received a copy of my credit report and became aware of inquiries I did not authorize. They are as follows. 
XXXX XXXX XX/XX/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
Product: Checking or savings account

XX/XX/XXXX Requested a new relationship manager at Wells Fargo. XXXX XXXX and his boss XXXX XXXX have repeatedly blocked XXXX 's XXXX attempts to switch over.
Product: Credit card or prepaid card

I received a Walmart MasterCard issued by XXXX XXXX in the mail on XX/XX/2018 which I did not apply for. The accompanying letter states At the time you applied for the Walmart credit card, an account was not able to be instantly opened. 
I never applied for a credit card and would like to know how this was initiated as I am worried about identity fraud.