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

XXXX violated my consumer rights. I've attempted to dispute the furnishing of the accounts listed below. XXXX verified that all accounts listed below have been verified. In addition to the Violation above pursuant 15 USC 1681ia ( 5 ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer Though I've attempted to get more information about exactly how the debt was verified, they've refused to provide suitable proof that the accounts belong to me. 
Accounts : XXXX ( XXXX ) amount : {$300.00} opened : XXXX  ( disputed XXXX. Verified as of XX/XX/XXXX and in XX/XX/XXXX by XXXX WITHOUT providing requested proof of validation ). My XXXX XXXX ( XXXX ) amount : {$6900.00} opened : XX/XX/XXXX reporting incorrect information, has not updated it and continues to report incorrectly. Details about my personal transactions and experiences are furnished to credit reporting agencies. 15 USC 1681 a 2 A i states that " transactions and experiences '' are to be excluded from on a consumer report therefore I need this removed. XXXX XXXX XXXX ( XXXX ) opened : XXXX ( disputed with all 3 consumer reporting agencies. XXXX is the only bureau that followed the law and deleted the account ). amount : {$1900.00} account listed as a charge off. Includes transactions and experience information, failed to provide me with a 1099-C form. XXXX ( XXXX ) opened : XX/XX/XXXX account was NOT verified though proof was requested. Account deleted from XXXX but not XXXX or TransUnion. 
Unfamiliar hard inquiries : Company : 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 15 USC 1681b Permissible purpose of consumer reports IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
I did not provide written instructions for XXXX to provide this information, therefore these listings need to be deleted.
Product: Debt collection

This loan was paid XX/XX/2019 to XXXX XXXX XXXX, ( collection co. ) but when i contacted them they refuse to remove this account from XXXX. 
Contact info for the collection co.- XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I received a credit alert through the application XXXX XXXX that there was a hard inquiry placed on my Amazon Synchrony Bank. I do not know if a bank account has been opened with this institution. When I called the customer service line for Amazon Synchrony Bank, they could not help me due to it being the weekend.
Product: Money transfer, virtual currency, or money service

Robinhood Investment Account Money stolen {$14000.00} {$4400.00} transferred to XXXX ending in XXXX {$10000.00} transferred to XXXX ending in XXXX Neither of those cards are mine, all the money was stolen on XX/XX/XXXX, my account my locked by Robinhood and just gave me access back saying they will not help with returning of the funds Tried reaching out to Robinhood multiple times, they don't help and just close the case. They refuse to pick up my calls and assist with the case.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never lived in XXXX XXXX XXXX and it's on my credit report, Also a XXXX for XXXX XXXX, not me or my account
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft for 10 years never had a credit card couldnt get one. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was taken advantage of due to malpractice. While several Federal laws were broken under the ( FCRA ) by your company. I gave no consent for your company to report any hard inquirys on my credit report. 

This has caused me defamation of character, severe hardships, XXXX, XXXX XXXX, XXXX XXXX, loss of enjoyment of activities. I cant apply for credit, my ability to apply for credit is tainted.
Product: Debt collection

XXXX XXXX XXXX Bill got sent to collections agency for {$590.00}. I do not not have I ever had an account with XXXX XXXX XXXX. This is the second time this has happened.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. despite my submissions, Equifax consistently responds within XXXX hours starting the account is accurate, without providing any evidence of a through investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U. S. C. 168i, which mandates a reasonable investigation of disputes. Furthermore, XXXX XXXX actions may also contravene the Consumer Financial Protection Act ( XXXX ), 12 U. S. C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the XXXX XXXX recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation
Product: Mortgage

XXXX XXXX I submitted XXXX questions via PennyMac Message Board. ( XXXX and XXXX ) They refuse to answer the questions directly and specifically. Except to tell me they already answered it or call customer service which is not acceptable. 
I would like a specific answers please:1. Is there a past balance due? If so, how much and please submit proof and supportive documentation. 

2. Is XXXX payment still due? A payment under the transaction amount does n't show for XXXX, although escrow and principal balance is credited for XXXX. The payment paid {$1000.00} and posted on XXXX/XXXX/2015 was for XXXX 2015. 

3. Is there a reason why the principal balance did not change from XXXX to XXXX after XXXX 's payment was credited? {$180000.00} XXXX {$180000.00} XXXX. 

4. Is there an escrow balance due and if so, how much? ( 2015 escrow is {$1900.00} ) Please answer each question which is XXXX questions, so there should be XXXX responses.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. 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 Balance Owed : {$260.00} ; XXXX XXXX ( XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$850.00} ; XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$5100.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Checking or savings account

I started banking with Truist in XX/XX/year> all was fine until now when i deposited my tax refund check ( which was mailed to me for some reason and not direct deposited ) on XXXX ; on XXXX. I went in to the branch and spoke with the Team lead/vice president of the branch and she was able to release my funds as she verified that the money had been received and cleared ( as it is a government check ). That same day my funds were frozen for suspicious fraudulent activity. I have been calling for days for my funds to be released and i have been given so many different responses I don't know what is the truth. It seems that an analyst has to verify whatever to press the button and release my funds but seems as though they can not at the same time. I have close to $ XXXX held XXXX by Truist for no reason and on top of that they decided to close my account. ( GREAT! ) they are horrible on all levels! from the highest to the lowest rep.. they have no customer service skills/experience and no sympathy. Their response is, " I am sorry, there is nothing I can do '' This bank and its CEO should close down and he should be jailed for holding clients money while he is making over {$3.00} XXXX a year! I truly need help in getting my money ASAP
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 

XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$10000.00} ; XXXX XXXX XXXX XXXX : {$520.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$400.00} ; XXXX XXXX XXXX XXXX CXXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, NV XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

XX/XX/18 I contacted Hunter Warfield acct # XXXX XXXX XXXX they advised my account is being handled by an Atty office XXXX XXXX XXXX XXXX XXXX, XXXX that which I contacted advised that I'm a XXXX veteran and they advised the account is in pre-litigation I advised I would like to settle the account for {$1000.00} they told me to send over a financial analysis of my debt to income ratio which I did and haven't heard a response back. This kind of tactic of threatening to take me to court due to I had to move out of the apt due to I was injured on XXXX XXXX I incurred a XXXX injury along with XXXX side XXXX and they were aware of this and still continued to access me charges to my account and they also knew that my status was under Servicemens Civil Relief Act and didn't make the necessary changes to the account. This has continued to cause me and my family mental aguish and has affected mine and my spouse XXXX XXXX credit horribly. There scare tactics and not looking into someone's status especially dealing with health issues and charging unethical fees of adding on military discount fees back to our lease because we had to move out and not honoring the SCRA status of terminating my lease. Your attention and assistance to close this matter once and for all. 

Sincerely, XXXX XXXX XXXX ( XXXX ) XXXX
Product: Checking or savings account

On XXXX XXXX XXXX my car was broken into and my wallet stolen at XXXX. the criminal took my wallet and with my personal information, called chime and changed my pin and went to atm and withdrew XXXX dollars plus atm fees. XXXX with my knowledge or consent. i woke up and saw the notifications and immediately called chime to report the crime. I also recd. an email from CHIME about my pin being changed at the same time, which he was able to do with my social security card which was in my wallet. i called XXXX police department, officer came out, took report, went to corner store and looked and obtained video footage of criminal using my chime card and then throwing it away. a XXXX detective saw the footage and immediately identified the criminal who he knew due to his longevity of criminal history as XXXX XXXX. I was given a police report number and the officers that were involved names and numbers. I was contacted by the XXXX  a few weeks later, he was in jail in XXXX XXXX for several charges up to and including the fraud with my CHIME card. i obtained what police report they could give me and a letter stating why it was not fully completed. I forward the cops names, police report number, police report, CHIME just keeps saying it is not enough info. But, yet will not tell me what else to provide. They just keep saying it was not their fault, so they are not liable. well it was not my fault either and according to the claims on their websites, they have a XXXX liability clause if this such crime happens to cardholders. Yet, they refuse to honor what they advertise and keep telling me to keep rebutting it. This has gone on since XXXX. It is now the end of XXXX. There is no more information I can get for them and they should be held accountable for the services they offer and not vilify a victim who was robbed. I am a XXXX  mother so every dollar counts. Is this something your office can help me with PLEASE?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several charge offs with XXXX XXXX Police XXXX. They have sent me 1099 's on these items and indicated they will no longer collect on them. I am unable to settle or even pay on these debts. I contacted this credit bureau to remove the balance on the item. My rights under the Equal Credit Opportunity Act ( Reg. B ) and the Fair Credit Reporting Act provide that bureaus can not list balances on past dues that I am unable to cure. Since I have had to take these charged off, XXXX balances as income, maintaining them on my report as items that I must pay is DOUBLE JEOPARDY. 

I have attached copies of the 1099 's. The accounts are listed as XXXX, XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to FIX a portion of the data in my credit document ; not withstanding, there are still a few accounts to be updated. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these accounts ( 1 ). ( A ). 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft and would like the following items removed from my XXXX report. 

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

I don't know what option to select to start it literally falls under every category I contacted atty Gen what I have to sift through are apps plausible deniablity when you just need what you paid for and the level of fraud harassment and everything you can't even imagine I just want to have a bit of help so someone can guide me and help. I can't remember her name but I spoke with a mediator and she offered to have me write down the accounts how compromised steps taken to correct what I didn't do it's tedious but to be fair no one here knew how that technology could be used to really do damage to someone who was only trying to heal. I'm really so burnt out by what has happened how long it took me to unequivocally track back and just fix it and move on so my mom can rest her mind ill do the work I just need to know how to do it. XXXX. XXXX XXXX XXXX payday loans. Actually getting a card approved trying to improve your credit score purchase a XXXX $ item this person obtained your information by literally knowing your phone number connected that to a XXXX voice blocked me from myself you don't make a XXXX  with a user id/email that a pertinent account is on. This individual did. Very ugly things were done I just want to file these papers answer them honestly have my life and my moms fixed and given back I just need a little guidance. On the end, everything has a logical explanation that can be verified if that be the case because I don't mind going all the way back to XXXX. In the interest of time these are the topics I justly need help with. And move forward. XXXX. XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Hello, I got a credit report and noticed that ARC Management Group , LLC said I owed  XXXX  hospital emergency room {$110.00}. This debt collection is not mine and I was wondering how to get it removed from debt collection as it is preventing me from applying to get a credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have new and updated information concerning Equifax. Equifax has published a consumer report about me for an impermissible purpose; failed to conduct their required investigation in accordance with federal laws; failed to provide me with a comprehensive audit trail, including evidence of such required investigation ; and failed to delete items in accordance with my written instructions as the consumer. Equifax is in violation of my rights as a federally protected consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, DOB XX/XX/XXXX and last four of social security number XXXX. On XX/XX/XXXX I contacted company " XXXX XXXX '' to purchase a vehicle. I wanted to see if I would pre-approve for a car loan with one of their creditors, same way I pre-approved with my bank and employer XXXX through their " credit tailor '', an app which sees if you pre-qualify without affecting your credit nor pulling a hard inquiry. However, I ended up going with my credit union XXXX XXXX XXXX XXXX because they provided the best rate and lowest interest rate. It was not until I received notification alerts to my email via XXXX and XXXX XXXX that I learned that instead of pre-approvals or soft credit inquiries I received hard inquiries. Subsequently, I reached out to the banks that performed the hard inquiry to request that they remove or convert to a soft inquiry because I did not authorize or consent to a hard inquiry and they stated that I would need to send a letter from XXXX XXXX as well as a letter from myself requesting that the hard inquiries be removed. I sent out both letters first class certified mail to the banks, credit unions and credit bureaus on XX/XX/XXXX and XX/XX/XXXX and I'm being met with opposition. XXXX XXXX  XXXX XXXX XXXX XXXX in particular sent me back a nasty letter, stating that my letter implied " erroneously '' obtaining my credit report, although I sent them a letter from XXXX XXXX. If that's the tone of their letters to potential clients I can't imagine their actual customers, disgusting. XXXX XXXX XXXX XXXX also sent me a letter and stated that I claimed I was a victim of identity theft of fraud, which I never claimed to them, nor have I ever claimed in regards to these inquiries. XXXX aka XXXX is dragging their feet and not offering any update or response ever since I sent them information. On the letter from XXXX XXXX it lists all the banks/credit unions that performed a hard inquiry.
Product: Money transfers

I had a contract to purchase a home in XXXX 2015. The morning of what would have been closing, I wired nearly {$270000.00} to XXXX XXXX XXXX XXXX. The afternoon of 'closing day, ' my real estate agent and I did a final walk through of the home only to find that the seller had defaulted on the terms of the contract by not having inspection repairs made and habitability standards met. Upon learning of the seller 's contractual default, I cancelled closing that day. I later approached XXXX XXXX XXXX to request my wired funds be returned to me due to our failure to close. XXXX XXXX XXXX XXXX has refused for multiple days to return my wired funds. My real estate agent and I formally gave notice to XXXX XXXX XXXX, XXXX XXXX ( regional manager ), and XXXX XXXX ( escrow coordinator ) that I expected my funds to be wired back to my account within 24 hours. We are well beyond that timeframe and my funds are still being held against my will by XXXX XXXX XXXX XXXX. XXXX XXXX seems to be afraid of losing repeat business from the seller 's Realtor, and therefore refuses to return my monies. My monies are being held against my will by XXXX XXXX XXXX XXXX in hopes that I will succumb to their bullying and close on a home that does not pass inspection so that they can maintain a business relationship and profit from their acts of coercion.
Product: Money transfer, virtual currency, or money service

I opened a checkings and savings account with USAA in early XXXX. On XX/XX/XXXX, they sent me a welcome letter, and it had trouble getting to my XXXX XXXX XXXX XXXX XXXX The gentleman in charge of my dorm had me change the format of my address slightly, but it was nearly identical to the previous address. About a week later on XXXX XXXX USAA locked my account. I wasn't sure why, so I called, and they told me they were experiencing technical difficulties and I should wait a week. When I called again, I had to talk to 2 or 3 people before anyone was able to figure out the source of the problem. They told me that USAA was exercising its right to no longer do business with me, and they were closing my account. Their reason for this was that they thought someone had broken into my account. I called the fraud department, and the guy I talked to said it was change of address. I read off the old and new addresses I had, and he said the current one was neither of those, and I had to provide proof of identity to access the new address. I went through the process and talked to a lady who told me the current address was the same as what I had changed it to. I'm not sure then why the fraud guy saw a new address. I was told the escheatment process was being conducted and they would send me a check 30 business days from the close of the account, around XXXX XXXX XXXX XXXX XXXX XXXX XXXX sent me a letter saying they were still conducting the process and I could reach out with any questions. I have reached out to him a few times, but he never answers, even if I try all times of the day. He never returns calls even if I leave voicemails. I called again on XXXX XXXX 1 month after I was supposed to receive the check, and I got the same response. I talked to multiple people and was on hold for very long periods of time, and everyone kept saying they had no idea when the check would be sent because USAA is still investigating. They acted like the process would be timely when I talked to them earlier, so I am not sure what is taking so long. There seems to be no resolution to the issue, and I would like access to my money instead of it being locked up in USAA 's hands. The lack of transparency and constant " you're not my problem '' attitude is very troubling.
Product: Vehicle loan or lease

I currently have a car an XXXX XXXX XXXX XXXX, I received from XXXX XXXX XXXX, from the bank XXXX XXXX in XX/XX/XXXX. I paid a down payment of XXXX over the course of 5 weeks. The car payment is XXXX monthly and I am struggling to pay the amount, being that my financial and living situation is not good right now. I didnt know the sum of all charges. I was denied to refinance and receive a lower monthly payment. Now that i am struggling keeping up with the payment, they will call 3-4 times a day everyday asking for a payment and asking when am i going to pay, and to give them a call. Also, text messages and emails. This has cause alot of stress calling all day everyday about the car payment