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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX card # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I followed directions with Capital One on an expedite payment to clear an account I had with them. I sent in documentation, verification, and a guaranteed funds bank cashier 's check that settled the account in full. I followed up and thru with the receiving and deposit of the payment. Capital One was obligated to expedite the payment and FORCE UPDATE my 3 credit reports that the account was settled in full, closed, and at a zero balance according to communications between Capital One and Myself. I did my part and now they are attempting to fail to follow through on their part of the agreement. The company is trying to take advantage of consumers like me attempting to resolve a matter. I have been on the phone with them on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and finally OVER an hour on XX/XX/XXXX with a so called supervisor who literally needs proper training. Her id # is XXXX however, did not follow through with Capital One 's obligation pertaining to this payment and account nor acting like she could not help me AND I was told there was no one else above her that I could speak with. I requested information for her supervisor or Capital One 's executive offices to follow through with Capital One 's obligation to this case, however I was told that information was not available. Once again a large company attempting to take advantage of consumers by not following through on their part of the agreement at hand. Please see all attachments showing the original letter that was faxed and mailed certified that mentions all previous obligations that were discussed by both parties, copy of notarized check copy showing it was deposited by Capital One, original notarized letter from the bank regarding the valid bank cashier 's check, original letter regarding settlement with XXXX and XXXX.
Product: Money transfer, virtual currency, or money service

I trade stocks using the Robinhood App. Usually I get into the app on my phone. If I forget my password, I get email and are able to reset my password. Since XX/XX/XXXX, I am unable to get into the account or able to reset my password to get into the account because when the app tells me it has sent email, I do not receive anything. I know Robinhood has my email because I receive email confirmations for the transactions I make.

Not only am I missing on opportunities, I am unable to access my money. I opened a case as directed and have received nothing from Robinhood or even response to let me know they are working to restore my account. 

It is impossible to get to them. I called XXXX XXXX  which has the account and it appears they are getting some calls like mine. 

I need Robinhood to get this issue restored as soon as possible so I can have access to my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am sending this request again to address the inaccuracies on my Credit Reports. I received a letter from CFPB on XX/XX/XXXX, that 3 Credit Bureaus closed my complaint to protect my PRIVACY. I called the 3 Credit Bureaus after I purchased a credit report from XXXX on XX/XX/XXXX. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there were : XXXX XXXX ; XXXX XXXX ; XXXX ; XXXX, XXXXXXXX XXXX XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX  XXXX Balance : {$6200.00} ; XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX XXXX Reference # XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX. 
on my credit report which are UNKNOWN to me. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud items on my credit report all this time. One of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent items and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information.
Product: Credit reporting or other personal consumer reports

" I am a victim of Data Breach and Identity Theft.

Please, block and delete the account within 4 business days pursuant to FCRA 605B15 U.S.C.

1681c-2. ''
Product: Money transfer, virtual currency, or money service

I was purchasing a service online through Cash app for {$150.00}. The person that I sent the money to his name is XXXX yet the next day the person that accepted the money, his name was XXXX XXXX. I requested a refund it was denied. I requested another refund and it was denied for my protection. I asked Cashapp how someone can just change their name from day-to-day and thats not suspicious. Also, the count said it was two days old but when I sent it to the guy XXXX, it was his account. I dont understand how the name and the account changed overnight and when I asked for an answer or explanation I was told that they investigated it and I was wrong and I should just accept the loss.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within XXXX days. 

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

In two separate instances this year ( XX/XX/XXXX and XX/XX/XXXX ), whenever I pay out a big chunk of my credit card balance by more than a XXXX dollars, the actual credit score is lowered instead of increasing. The reason stated in the credit report is that I lowered my credit card balance! The amount of points lowered are important, 7 and 10 points, respectively. All the other reporting agencies actually increase my scoring by similar scoring points, 7 to 10 points in each case. I think there is something wrong in the programming of this values. What is the purpose of reducing a big chunk of my balances if the credit score will be hurt by it?
Product: Credit card

I made a purchase at XXXX for {$340.00} On XX/XX/2023 and the item was returned on XXXX XXXX, the statement Is not accurate! And also the company billed me and additional {$200.00} dollars! I think its XXXX! I made multiple payments and shouldnt have had a balance! I over paid
Product: Credit reporting, credit repair services, or other personal consumer reports

Santander Consumer USA is in Direct violation of Section 609 of the FCRA as they have been falsely reporting my account as charged off to all XXXX credit bureaus since XX/XX/XXXX. Santander Consumer USA is also in violation of FDIC laws regarding charge offs as they charged off the debt at 62 days past due instead of the prescribed 120 days as outlined per the FDIC. 
Furthermore, Santander Consumer USA is in direct violation of FDCPA as they are reporting a balance that is in excess of the actual remaining principal balance. This is in addition to not allowing myself the oppurtunity to make any sort of arrangements to pay on the debt before they hastily and underhandly charged it off. 
Furthermore, Santander Consumer USA has also Violated my section 609 FCRA rights as this loan is reported incorrectly to all three credit bureaus. Each bureau has different information and 2 bureaus show the account open when it has been closed since XX/XX/XXXX when the vehicle was voluntarily repossessed. 
In addition to the aforementioned, This loan was settled in full back on XX/XX/XXXX and due to the negligence of those employed at Santander Consumer USA, It took 8 days before they realized my payoff was for more than what was settled for. I have since been advised that the account won ; t be reported until end of XXXX ( if ever ) as settled. 
Santander Consumer USA has had many class action lawsuits launched against themselves for deceptive loan practices and unfair treatment. 
Also, Everytime I have disputed the accuracy of this tradeline with the 3 major bureaus, Santander Consumer USA perpetually sends fictious information that they purport to be true and accurate information. 
Please note, I am attaching both the settlement agreement and Payment history to show that My side of the contract was honored.
Product: Debt collection

This account is not mine. They supposedly verified it with the creditor but they did not produce any supporting evidence the account belongs to me. 

Thank you for your understanding.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am diligently checking my consumer report and I have found reportings that are violating my rights as a consumer. I need this item to be updated as paid on time as it is hurting my good name. The account XXXX  ; XXXX XXXX XXXX XXXX XXXX XXXX are violating my rights under 15 USC CODE 1681a- definitions ; rules of construction | US CODE | US LAW | XXXX / XXXX XXXX XXXX 15 U.S Code ; 1681 S-2 - responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information. 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 15 USC ; 1681a 2 ( A ) ( i ) except as provided in paragraph ( 3 ), the term consumer report does not include- ( A ) subject to section 1681s -3 of this title, any- ( i ) reporting containing information solely as to transactions or EXPERIENCES between the consumer and the person making the report ;
Product: Mortgage

XXXX/XXXX/15 I called Green Tree Servicing to ask them questions about my account when they transferred me to my account specialist who was in charge of screaming belittling me and asking me why I had not paid for my XXXX XXXX. I have an entire month to pay for it.
Product: Credit card

Bank of America was contacted by you on my behalf in XX/XX/year> and again at the beginning of the month and they refuse to send me proof they closed the account by letter as ALL other financial institutions and stores can easily do. Should I contact the state 's attorney general or Congressman to get you to help me force them to comply. This is ridiculous. See attached proof.
Product: Checking or savings account

XXXX XXXX was bought out bY First Tennessee. They have forced everyone to download the new App to access online banking. The App hasnt been working. I lost access 4 days ago, have talked to people on the phone, and been to the bank twice. Im writing this complaint in the mgrs office because we have been on hold for probably 45 minutes with the NO HELP LINE. Bank employees at MY bank have tried to help ... .to no avail
Product: Mortgage

I've been contacting my lender ( Citizens ) since XX/XX//22 regarding a delinquent property tax notice I received in the mail. I have an escrow account with my lender for property taxes and insurance. I have called in many times and also sent multiple fax requests. Every time I call in, I get the same generic response that the issue is being escalated or the issue is with the research team. As of today, XX/XX//22, my second installment property tax is still due.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Transunion failing to properly investigates my disputes regarding inaccuracies in my credit report. Despite my submissions, Transunion consistently responds in 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i which mandates a reasonable investigation of any disputes. Furthermore, XXXX actions may also contravene the Consumer. Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted In the CFPB 's recent administrative proceeding.
Product: Debt collection

Southwest : Sent documentation affirming debt of XXXX however. ( 1 ) They failed to validate acquisition price paid and incurred expenses ( my new liability to Southwest as a debt buyer ) to justify continued collection attempts. This is my right. Additionally, ( 2 ) This is an active attempt to collect usurious interest as defined by the RICO statue, pursuing of collection posted to all my credit reports. Value of debt held lacks incentive to sue for collection, again I would be liable for less than {$50.00}. Unreportable in this circumstance.

The premises the new debt holder maintains the same burden as the ordinal creditor is untrue in situation. My new liability to Southwest requires justification before any agreement to pay is made and if in fact new liability falls below the reporting threshold, it should be removed.
Product: Checking or savings account

This is from the settlement. I just want to make sure that my account gets checked
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX on XX/XX/XXXX to advise them that I have no knowledge of a XXXX XXXX nor is this company any where on my credit report ... 

I contacted Experian on XX/XX/XXXX and informed them that I have no knowledge of a XXXX XXXX and they are no where on my credit report .... 

These ( 2 ) inquired were not by permissional purpose at all and I want them deleted/removed from my credit report immediately. 

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

I sent a letter last XX/XX/2023 to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days after XX/XX/2023. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX {$10000.00} ; XXXX XXXX XXXX XXXX Balance {$600.00} ; XXXX XXXX XXXX XXXX Balance {$750.00} ; XXXX & XXXX XXXX XXXX XXXX XXXX : XXXX XXXX ) XXXX Balance {$2300.00} ; XXXX XXXX XXXX XXXX Balance {$9800.00} ; XXXX XXXX XXXX XXXX Balance {$0.00} ; XXXX Inquiry : XXXX XXXX XXXX
Product: Credit card

I had a credit card I received at Capital One 's solicitation and had it for at least 2 years, with no late payments. In those 2 years they gave me automatic credit increases that I did not request. In XX/XX/2016, I received a vague letter from them stating they were closing my account. I inquired of their customer service department and their executive office numnerous times for a clear reason to no avail ; they closed the account. Several weeks later, I received another solicitation to apply for the same Platinum card and I applied. In XX/XX/2016, I was asked to send a copy of my social security card, a copy of a bill and a personal identification and I complied. A representative called me several days later to explain that I was approved for another Platinum card with a credit limit of {$2000.00}. After this approval, I received two additional solicitations to apply for the Platinum card yet again. On XX/XX/2016, I received a letter from XXXX. of Capital One ( letter dated XX/XX/2016 ) stating that the new Capital One card was cancelled for the same reason, I would like like for Capital One to keep one of the cards open since I constantly receive solicitations and approvals from them. If they can continue to send solicitations, and add to my credit inquiries, they should at least honor the agreement, especially since they were the ones who solicited my business on multiple occasions. I do not want to hear about internal controls not in place or excuses. I think it is time Capital One honored me as a consumer. I have all copies of letters and solicitations from Capital One if you require it.
Product: Checking or savings account

I have been trying to have my funds distributed from Charles Schwab for the past XXXX weeks. ( It states on they're site to call if it is a time sensitive matter, so I did. ) Below is a summary... 

After I sent my paperwork in the first time, they said 3 to 5 business days for distribution. I get a status update on XX/XX/XXXX, telling me they're missing paperwork. I call, they tell me I am missing 3 pages - I was actually missing 1 of the 3 pages, the other page was for an IRA which did not apply. ( Regardless, I still resent the missing page, even though I can see that I already sent the page in my message center in their portal. I also provided that message ID to the rep. ) I sent the what they requested that day on XX/XX/XXXX. The rep told me everything looked good, and the distribution would be transferred and I can expect funds soon, processing time 3 to 5 days. 

The days passed and I never got the funds. I call XX/XX/XXXX. They're still processing my request. Give it until the end of the week. 

No funds received. I call again, and I am told again I am missing paperwork. I resend the same pages, as requested. I am told it takes 4 hours for them to see the pages, ( but the prior time I resent pages, the rep confirmed they were received while on the phone. ) Each time I am on the phone I tell them I need part of the funds rolled over to another account with my current employer, and it needs to be via check and received by XX/XX/XXXX - AT THE VERY LATEST. ( I have 30 days from XX/XX/XXXX to rollover some of my funds from this savings account ). Mail time is 7 to 10 days. IF they send a check today on XX/XX/XXXX I can be rest assured that it will be received in time... .but that's probably not going to happen, hence the reason for my complaint. 

Each time they tell me they're marking my case as urgent .... 

I call XX/XX/XXXX. The request is either waiting to be processed or it is being processed, is what I am told. 

I call XX/XX/XXXX. No updates on the account. A manager says he is going to watch my account. 

I call today, I am told it is either waiting to be processed or is being processed. They don't know why it's not processed and they'll add another note.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card with navy federal credit union with a XXXX limit ... my due date always falls on the 5 of  each month ... on XX/XX/XXXX I paid my balance off which was XXXX dollars ... how ever I paid XXXX ... I notice my available balance became available but it was still saying I owed XXXX ... next 3 days still didnt update ... I called and ask whats the problem ... .It was told to me there system was updating ... .next 2 days no update ... I called again because it was saying I was delinquent and was given a late fee ... It was told to me there system is still updating and it will be corrected ... Next thing I checked my credit and they have reported I havent paid my credit card ... also its saying I used up 100 percent of my available credit ... which isnt true ... my credit has drop 100 points ... .which my credit was at a XXXX ... Ive contacted both the bank and credit agencies and they are refusing to fix it ... They have also falsified when I made my payment on my credit card and deposit ... need help in correcting this issue this is criminal.
Product: Credit reporting or other personal consumer reports

I've noticed unauthorized hard inquires on my Equifax credit report and I need them removed. The inquiries didn't come from me and I didn't give authorization for anyone else do them on my behalf. Here 's a list with the dates of the hard inquires I need removed with the dates included. 

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

My identity was stolen and multiple account were opened in my name. I reached out to XXXX XXXX XXXX to inform them of this issue but they did not want to remove the account. Instead they sent it to collections. I contacted the collection agency and the collection agency did nothing either.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Experian after I purchased a credit report from XXXX on XX/XX/2022. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there were : Address : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Accounts : XXXX XXXX  XXXX, XXXX XXXX  XXXX, XXXX XXXX  XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX on my credit report which are UNKNOWN to me. This is disappointing because I have been paying XXXX to get a report every month and I have been disputing fraud items on my credit report all this time. One of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent accounts and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

A copy of my Utility Bill, drivers license, and Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by Experian not blocking these items are inadvertently resulting in me being extorted.
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian and XXXX Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. XXXX XXXX XXXX Balance : {$2300.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$910.00}.