23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/22, request was initiated for RobinHood to transfer account holdings. The reason why the account was closed was that RobinHood did not provide client the means to transact at the market price at the time of initiating the buy of shares. This is very poor service when compared to all other stock trading platforms. 

The account was valued at {$160.00} and Robinhood charged me a {$75.00} fee to transfer the account. I call this action " robbing from the poor! ''
Product: Mortgage

When my mortgage was first transferred to Pennymac the first call I made to the company was to inquire about an interest rate reduction. I was advised by the agent, that if I singe up for Auto pay and Paperless statements I would receive a 0.25 % rate reduction. 

Not until the end of 2023 when I was reviewing my closing documents for what was needed to remove the escrow did I relies that my rate was never reduced and matched my closing documents. 

I called the company and they acknowledged that I was given miss information but they do not offer that program. I asked to talk to XXXX who has helped with prior claims but was never contacted. 

As a result of this miss information my {$360000.00} mortgage has been accruing at a 0.25 % higher rate for 3 years. 

Additionally, during the end of 2023 a payment was rejected by my personal bank as a result of Pennymac pulling the payment on XX/XX/2023. the terms and conditions of there Autopayment advises that payments will be withdrawn on the XXXX of each month. after reviewing my Bank this is a constant trend of Penny mac not abiding by the terms and conditions of there autopay agreement and withdrawing payments days latter then agreed. 

At best this can result in missed payments due to funds being moved out after the first ( such as in my situation ) at worst this would result in additional interest and late fees being applied to loans if the payment is not posted on the correct date.
Product: Debt collection

NCA and XXXX XXXX is in violation of my rights According to 15 U.S.C. 1692c is a section of the Fair Debt Collection Practices Act ( FDCPA ) that governs how debt collectors communicate with consumers. This section prohibits debt collectors from communicating with consumers in certain ways without their consent, including credit reporting using a third party. They are attempting to collect a debt that does not belong to me.
Product: Payday loan, title loan, or personal loan

One main opened a bank account when I sent them a big payment and did not put it on my loan they did make a payment out of that account but never but all of the money on to the loan. Plus I was paying extra on the and they charged me a bank fee of exactly the amount I payed extra instead of putting it on the principle
Product: Credit reporting

I 've disputed the inquiry from PARADIGM ACCEPTANCE on multiple occasions asking for verification from them since they are the ones reporting on my Credit file to  XXXX  for physical verification this inquiry was in fact made by me. I 've not been provided proof and the company is still reporting.
Product: Debt collection

I received a bill on XX/XX/21 by XXXX XXXX The law offices of Mitchell D. Bluhm & Associates , LLC Attorneys at law for the amount of {$770.00} and as allowed under the Fair Debt Collection Practices Act, I have requested them to allow me to validate the alleged debt. I am aware that there is a debt from XXXX XXXX XXXX XXXX XXXX, but I am unaware of the amount due and the bill sent does not include a breakdown of any fees AND/OR interests occurred. 
Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do NOT recall giving permission to XXXX XXXX XXXX XXXX XXXX  for them to release my medical information to ANY third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is twofoldvalidation of debt and HIPAA authorization.

I will send a SECOND and last request for a VALID debt validation with the following.

1. ) provide breakdown of fees including any collection costs and medical charges.

2. ) Provide a copy of my signature with the provider of service stating to release my medical information to said collection agencies.

& 3. ) Cease any credit bureau reporting until the debt has been validated by me.
Product: Money transfer, virtual currency, or money service

I tried to make a money transfer through Western Union the transfer was made but then days later they cancel the transfer as of this day I have not received my refund the refund amount is {$140.00} they have been sitting on my money for almost a month I emailed their customer service and that has been no response I called him and all they can say they're working on it but they're not sure when they're going to release the money I want this money returned back to my account. And I will make sure that I never use Western Union again also I will make sure family or friends will never use this company or if I run into strangers I will make sure that they never used this company. 
There's companies out there that is much better than Western Union Because you cancel the transfer your agreement is broken so you must return the money. 
I'm not sure what the problem is and I do not care just refund my money.
Product: Credit reporting or other personal consumer reports

I received an alert on XX/XX/XXXX on my Experian App that an address was found with my SSN. The Address was found on XX/XX/XXXX. The address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I have no association with this address.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to 15 U.S. CODE {$1600.00} CORRECTION OF BILLING ERRORS 15 U.S. CODE 1681B PERMISSIBLE PURPOSE OF CONSUMER REPORTS This XXXX XXXXXXXX account shouldnt be reported on my credit file as late, Also the balance of the account was discussed and updated but is still reporting to my credit file as charged off and not up to date, This company needs to update my credit file to reflect an up to date payment line and remove any derogatory remarks on my credit file
Product: Credit reporting, credit repair services, or other personal consumer reports

So ive been fighting a fraud case with XXXX XXXX for more than 4 months now, back in XXXX someone had hacked into my laptop giving me a virus and hacking into my credit cards saved on to the device. That hacker took multiple cards and charged thousands of dollars to the merchant in the name of XXXX XXXX XXXX. All financial creditors have resolved these fraud charges except XXXX XXXX. What makes this case more of a headache is that i have XXXX XXXX cards that were charged with the same amount from the same merchant ( XXXX XXXX XXXX XXXX XXXX  ). The charges on the XXXX was resolved within days of the case being open but the XXXX card is going on 4 months with no response. XXXX has also decided to post these FRAUD charges to the credit bureaus and caused my score to drop more than XXXX points and has put me in a tough financial position. This is not fair and ive been contacting XXXX every week for an update but they have refuse to give me an answer.
Product: Mortgage

I reached out to this bank on XX/XX/XXXX to get information on the Property insurance on the building of which I am a cooperative shareholder. This bank refused to provide the information given that they just conducted a refinance where the Assignment of Leases and Rents requires that " The premise shall be kept in good order and repair, and all Federal, State and Munciipal laws, rules and regulations applicable to said premises shall be complied with by XXXX. This is not the case because I have a mold violation on my unit which is on the very top floor of the building which was place by New York XXXX XXXX XXXX and XXXX. Moreover, an open violation report from the New York XXXX XXXX XXXX and XXXX so that other units on the XXXX floor as having the same issue with water leakage and mold which means that the XXXX is not maintaining the building. I want the policy information to file for damages to repair my unit. This is an unsafe situation.
Product: Payday loan, title loan, or personal loan

XXXX XXXX XXXX  ( ROCKET LOANS ) XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX DENIAD MY LOAN FOR NO REASON, application was denied for no reason after reviewing my credit, there reasoning to many inquires ( shows too many inquiries within the previous 12 months ) I have a total of 8 Inquires in 2 years which current account and good standard no derogatory account XXXX credit score and i was denied several of Co -- workers had toll they were Denied with awesome credit this company is discriminations against XXXX has gone out hand this company in conjunction with ROCKET LOANS ARE DOING ILEGAL PRACTICES PLEASE INVESTIGATE AND REPORT THESE PRACTICES, AS I HAVE TO THE GENERAL STATE ATTORNEY, FBI, BANK COMMISSION, OFFICE OF CONTROLLER, FEDERAL TRADE COMMISION AND ALL AUTHORITY OF THESE PRACTICES OF THESE 2 BANK -- - RocketLoans.com XXXX XXXX XXXX
Product: Prepaid card

On XX/XX/23 i purchased XXXX American express gift cards at a XXXX  store, XXXX XXXX XXXX, XXXX md XXXX # XXXX a total of XXXX, cards are uable to use at stores and online, contacted the # for AmericanExpress/giftcards, they keep saying security issues, try another merchant, its terrible that these cards are at stores and cant be used in anyways scaming people out of their hard earned money
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXXXXXX XXXX Account Number : XXXX 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 or other personal consumer reports

Complainant ( Consumer ) alleges that Equifax has willfully violated the FCRA and FDCPA by reporting misleading, incomplete, and unverifiable information regarding the XXXX XXXX account ( Account Number : XXXX ). Despite multiple detailed disputes, Equifax has failed to correct these inaccuracies, causing significant harm to Consumers creditworthiness and overall well-being. Most notably, the Date of First Delinquency ( DoFD ) was removed without providing a compliant replacement, violating 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) and 1681s-2 ( a ) ( 5 ) ( A ). Immediate deletion of the account is demanded. This complaint is an amended complaint of CFPB XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has erroneously posted an auto loan under my social security number and has caused significant damage to my credit report. On XX/XX/XXXX I notified XXXX customer service that an erroneous entry on my credit report showed an auto loan that I did not have. After several phone calls to XXXX they promised a call back but never did. On XX/XX/XXXX I called XXXX offshore customer service ( in XXXX ) which they advised they had confirmed with the auto dealership where the loan was opened, and that the social security number was correct. I knew this was not true, so I asked the rep for the name of the dealership where the auto loan was opened. The XXXX rep gave me the information and I called the dealership and spoke to the finance manager. He confirmed the Social Security was miskeyed by XXXX. I then called back XXXX and advised them of my investigative findings. XXXX promised a call back and I never received one. Last night the rep stated that I should just get a lawyer, which is a horrible response to solving this problem. I would like to file 1 ) complaint regarding the issue with incorrect SSN displaying on my credit report 2 ) I would like to file a complaint to your executive managers regarding the false investigation that was conducted on your part. 3 ) I would like to file a complaint to your executive managers regarding every representative who promised to call me back but did not. Per FCRA law the item must be removed from my credit report immediately. The customer service that I received from this bank is horrible. All calls are contracted out to a call center in XXXX, and their customer service skills are horrible. I am not even a customer and I am glad I am not.
Product: Debt collection

THIS DEBT COLLECTOR GOT MY INFO WITHOUT MY CONSENT AND OPENED A ACCOUNT IN MY NAME. FURTHER, I CERTIFY THAT I AM PERMITTED BY FEDERAL AND STATE LAW TO FILE THIS DISPUTE. I ALSO UNDERSTAND THAT KNOWING AND WILLFUL MISSTATEMENTS OR OMISSIONS OF MATERIAL FACTS CONSTITUTES A FEDERAL CRIMINAL VIOLATION PUNISHABLE UNDER 18 U.S.C. 1001. ADDITIONALLY, THESE MISSTATEMENTS ARE PUNISHABLE AS PERJURY UNDER 18 U.S.C. 1621. THIS COLLECTION FOUND WITHIN MY CREDIT REPORT ARE NOT RELATED TO ANY TRANSACTION THAT I MADE. I AM ALITIGATING THAT A PERSON OR COMPANY - WITHOUT MY AUTHORIZATION - USED MY PERSONAL IDENTIFYING INFORMATION TO APPLY FOR GOODS, SERVICES, OR MONEY, AND, WAS SUCCESSFUL IN CREATING SOME ACCOUNTS. ALL IS BEING INVESTIGATED BY THE FTC
Product: Money transfer, virtual currency, or money service

For the past two weeks I have been unable to transfer the XXXX in my Robinhood wallet, either to my Robinhood brokerage account or to a third party address. Although I could transfer the XXXX in the wallet, my XXXX is frozen. I have contact customer service numerous times over the past two weeks and followed their suggestions but XXXX is still frozen. I asked to have the matter escalated to a supervisor but no one has contacted me with a solution
Product: Credit reporting or other personal consumer reports

Issue : Failure to properly investigate credit report errors and misrepresentation of account status by TransUnion. 

Company : TransUnion Complaint Type : Credit reporting issues I am writing to file a formal complaint against TransUnion for failing to properly investigate errors in my credit report, which has resulted in the re-addition of deleted items, re-aging of an account, and continuous balance increases on a charged-off account. These actions have caused significant harm to my credit score and my character and prevented me from being able to acquire credit or housing. 


Deleted items have been improperly re-added to my credit report despite prior resolutions confirming their removal. 
An account that was charged off and closed has been re-aged and continues to show inaccurate activity, including balance increases. 
This account also appears to be misrepresented by opening and closing repeatedly, further damaging my credit profile. 
I have made several attempts to resolve these issues directly with TransUnion, but the problems persist. These failures raise concerns of noncompliance with the Fair Credit Reporting Act ( FCRA ) and align with the type of inadequate investigations referenced in the Consumer Financial Protection Bureau 's recent legal actions against XXXX. TransUnion 's lack of proper investigation and resolution of these issues has negatively impacted my financial well-being. I do not believe a true investigation is being done in any capacity, and I do not mean a verification of accounts but a true and full investigation with documentation on each account and since these accounts are not receiving these investigations with no record of accounts whatsoever, they are in clear violations of the FCRA to me, the consumer, and need to be deleted immediately. 

The accounts in question are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

XX/XX/2023 Walmart+Membership is deducting {$12.00} from my Capital One account ( ending in XXXX ) each month and I DO NOT HAVE A WALMART ACCOUNT XXXX Deduction is on XXXX of every month. 
I have called Capital One and WXXXXXXXX to dispute this auto-charge to XXXX XXXX When I call XXXX they can not match my email with the bank account ( XXXX ) that the money is coming from. 
I am getting robbed each month and there seems to be nothing I can do about it. I have contacted Walmart by phone and by letter. 
At this point, my only option is to cancel my ( XXXX ) account and issue a new card so that this charge can not be deducted any longer, which will be problematic because I have other legitimate charges coming out of this account. This is not good business. I know they can trace where this money is coming from. 
Thank you, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS ORGANIZATION DID NOT RECEIVE MY WRITTEN INSTRUCTION NOR PERMISSION TO REPORT ANY INFORMATION REGARDING TRANSACTIONS OR EXPERIENCES AGAINST MY CONSUMER REPORT. REPORTING LATE PAYMENTS, CHARGE OFFS, AND/OR ALLEGED LOAN AMOUNTS CONSTITUTE TRANSACTIONS AND EXPERIENCES THAT I DID NOT AUTHORIZE, AND ACCORDING TO XXXX XXXX XXXX XXXX XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) THIS IS FRAUD. THIS ORGANIZATION HAD NO PERMISSIBLE PURPOSE TO PULL, NOR FURNISH, MY CREDIT REPORT BECAUSE, I DID NOT GIVE MY EXPRESSED WRITTEN CONSENT, SO THEREFORE, THIS IS IDENTITY THEFT ACCORDING TO XXXX XXXX XXXX ( XXXX  ) ( XXXX ). I HAVE A RIGHT TO PRIVACY ACCORDING TO XXXX XXXX XXXX ( XXXX ) ( XXXX ), AND MY PRIVACY HAS BEEN BREACHED.
Product: Credit reporting or other personal consumer reports

Im reaching out because there are inaccurate items on my credit report that need to be addressed. The details of these errors are listed below : XXXX - XXXX - {$30000.00} XXXX XXXX - XXXX - {$0.00} I have attempted several times to resolve these discrepancies by submitting disputes and providing the necessary documentation, yet no corrective action has been taken. Despite my repeated efforts, these errors remain on my report, negatively impacting my financial situation and causing undue stress. It is frustrating to keep dealing with these unresolved issues.

The Fair Credit Reporting Act ( FCRA ) guarantees my right to a credit report that is both fair and accurate. I am asking you to take immediate action to verify and correct these mistakes. If you are unable to confirm their accuracy, they must be removed in compliance with federal law. I appreciate your prompt attention to this matter.
Product: Credit reporting

XX/XX/XXXX XXXX XXXX changed from XXXX XXXX to XXXX XXXX. With this change there was a payment issue that I was unaware of which put my account into delinquency. 
XX/XX/XXXX, I moved. With the change over that happened within this window, the Address was not accurate or the phone number. Defaulted to old information somehow. On XXXX XXXX I spoke with XXXX in length. She was able to confirm the errors on XXXX Banks behalf. She also expressed this happened to many people. She waived all late fees, removed all interest charges, and confirmed my inaccurate contact info. 
She updated all reimbursed me for everything, and my account was brought to XXXX balance. She assured me they would send a letter to remove all three negative remarks on my credit. That never happened. I have called since then on XX/XX/XXXX andXX/XX/XXXX as well as today, XX/XX/XXXX. All three times they are able to confirm the notes from XXXX, but are unable to confirm why the request to remove from credit was denied. Today, XXXX confirmed that it was do to several delinquencies. There were XXXX, XXXX from the intital switch, and XXXX in XX/XX/XXXX with the move and inaccurate info- rmation on their end. All of these were an error on the behalf of synchrony due to the switch. Once the error was caught it was immediately rectified on my end and account was brought to XXXX.
Product: Credit reporting or other personal consumer reports

To Whom It XXXX Concern, I am disputing multiple egregious errors concerning late payments and unauthorized hard inquiries that violate my rights under the Fair Credit Reporting Act ( FCRA ) XXXX XXXX Code XXXX. If immediate action is not taken, I intend to enforce my consumer rights to the fullest extent of the law. Late Payment Disputes The following tradelines incorrectly report late payments despite timely payments per my records. I demand you update to positive now or show me proof you gave me the option to opt out. Under the Fair Credit Billing Act, XXXX XXXX. XXXX, I have the right to dispute these patently inaccurate credit report items. Hard Inquiry Disputes Additionally, the below hard inquiries were accessed without any permissible purpose or authorization as mandated by the FCRA [ XXXX ( f ) ] : XXXX - XX/XX/2023 This inquiry was not authorized - The following inquiry was not authorized and should not be reporting XXXX XXXX - XXXX This inquiry was not authorized - The following inquiry was not authorized and should not be reporting
Product: Debt collection

I am writing to express my extreme frustration and impatience with the ongoing presence of fraudulent accounts on my credit report. It has been an unacceptably long time since I first reported these fraudulent entries, and despite my previous attempts to rectify this situation, they remain undeleted, tarnishing my creditworthiness and causing me significant distress. 
Account Details : XXXX XXXX XXXXXXXX -PLEASE DELETE!!!! 
XXXXXXXX XXXX  XXXX -PLEASE DELETE!!!! 
XXXX XXXX  XXXX -PLEASE DELETE!!!! 
XXXX XXXX XXXX- PLEASE DELETE!!! 
I can not emphasize enough the urgency of this matter and the detrimental impact it has on my financial standing. These fraudulent accounts are not mine, and I have never authorized any of the transactions associated with them. To address this issue, I have previously taken the following actions : The continued presence of these fraudulent accounts on my credit report has created severe obstacles in my life. I have been denied access to credit, subjected to punitive interest rates, and faced numerous rejections for housing and employment opportunities, all due to the erroneous information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I keep disputing account that are not mine. I have called and mailed several dispute letters about these fraudulent accounts. They are all crooks experian and these so called debt collectors. They are keeping negative information on my report after Ive told them they are not mine. I called the fraud department to report identity theft and was told my account would be deleted. Per 15 usc 1681c-2 these accounts are suppose to be removed no later than 4 days. These negative remarks are affecting my living conditions and financial situation.
Product: Credit reporting

I filed a complaint about unauthorized inquiries on my credit report transunion refused to remove them I contact the XXXX, XXXX XXXX an XXXX they agreed to remove but transunion still want take them off an they have block me from online access the XXXX tell me I need to call in any dispute I have the error message tells me it requires manual handling
Product: Credit reporting, credit repair services, or other personal consumer reports

My father and I have the same name. My father settled the account of {$1200.00}, XXXX XXXX CREDIT CARD sent the confirmation to me on XX/XX/XXXX. I gave the information to Equifax and did a dispute. I supplied them with the confirmation of the payoff. The dispute was filed on XX/XX/XXXX. It was completed on XX/XX/XXXX. Equifax did not do anything. I want this removed from my credit report because it is causing me financial and mental harm. I am a XXXX veteran and this is very stressful.
Product: Vehicle loan or lease

My car loan for a XXXX XXXX XXXX with JPMCB was paid in full back in XXXX. Soon after JPMCB sent us the title to my vehicle as normal when you pay off a vehicle. However, JPMCB is reporting to XXXX that there is still a past due balance of {$1100.00} and this account is in collections. How can we have the title received from JPMCB if we still owe a balance. This account is paid in full.