23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

The account XXXX XXXX XXXX is reporting three late payments of 30 days. XXXX, XXXX and XXXX This is highly incorrect. 
These payment were paid on time and as scheduled. I reached out to XXXX about this account and they keep telling em to hold and then they send out a letter saying that even though they were wrong, they can't go and change already posted information. 
The account was opened XXXX. XXXX, XXXX. It was an Auto Loan. Reporting XXXX XXXX  inquire should be removed. XXXX. XXXX, XXXX. Reporting XXXX XXXX XXXX inquire should be removed. XXXX. XXXX, XXXX. Reporting XXXX XXXX XXXX should be removed, not my name. XXXX XXXX is my name. Reporting XXXX XXXX XXXX is reporting should be removed. 

XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX, NV XXXX is reporting should be removed, my only address is XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX
Product: Credit reporting or other personal consumer reports

I did not authorize this inquiry, and it was carried out by that creditor without my permission. I demand its immediate removal.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing XXXX days prior, I was not notified. As the original creditor, only I can validate this debt
Product: Debt collection

On XX/XX/21 i received a voicemail from XXXX. The message states that they are calling in regards to a case attached to my name and social security number that is currently pending to be filed against me in my local jurisdiction. The message went on to say they will be stopping by my home or my place of employment to deliver my legal documents. The message then states that they request I call them to confirm my address and if I fail to do so, they will take a default action against my social security number and requests I call XXXX. They did not identify as a debt collector in the voicemail nor did they identify their company name. This is a violation of the FDCPA. They threatened legal action against me. This is a violation of the FDCPA. I have never received a written notification of this debt in the form of a validation letter. Filing a lawsuit without first validating a debt is a violation of the FDCPA. On XX/XX/21 I received another voicemail from XXXX from the same outfit. The voicemail states they are contacting me regarding an attempt to serve me at my residence but there was nobody there to sign for the papers, however my significant other was home and there was no attempt. They requested a call back at the same number XXXX. I called the number back and spoke to a gentleman. I asked the name of the company and he identified as Imperial Recovery Consultants. I asked where they are located and he said they are licensed in 38 states but their headquartered in Pennsylvania. However with a quick XXXX, this agency is in XXXX, FL. They are falsely representing themselves. I asked why they are calling me and what the debt is, he refused to answer, he did not read the mini-miranda, and ultimately hung up on me. Additionally I can not locate an actual office in the state of Washington and to collect and call into the state of Washington, I believe that specific person must be in the state of Washington or within 100 miles of an office within the state of Washington. I called again and gave them my phone number and they said they were looking for someone totally different and they would update their files. Regardless, their tactics were abhorrent, deceptive, misleading, and unlawful. There are state and federal violations all over the place with these people.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY IDENTITY WAS STOLEN AND USED FOR FRAUDULENT PURPOSES. THE THIEVES APPLIED AND OPENED ACCOUNTS IN MY NAME AT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND ALL OTHERS THAT I DO NOT HAVE KNOWLEDGE OF. 

ADDITIONALLY, I HAVE OVER XXXX XXXX  ON MY CREDIT THAT I DID NOT APPLY FOR. PEOPLE KEEP CALLING ME REQUESTING MY SOCIAL AND DATE OF BIRTH. COMPANIES KEEP CALLING ME BASED ON APPLICATIONS THAT WERE SUBMITTED IN MY NAME FOR A MORTGAGE, LOANS, CREDIT CARDS, AND APARTMENTS. 

MY INFORMATION WAS ACCESSED BY DATA LEAKS AT XXXX, EXPERIAN, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. I HAVE HAD FRAUD ALERTS ON MY CREDIT BUREAU REPORTS FOR YEARS, BUT THEY KEEP CIRCUMVENTING THE FRAUD ALERTS. 

THERE WERE BANK ACCOUNTS AND TAX RETURNS FILED UNDER MY NAME FOR THE PURPOSES OF FRAUD. I REACHED OUT TO XXXX XXXX, AND THEY REFUSED TO REMOVE THE FRAUDULENT ACCOUNT, STATING THAT THE ACCOUNT WAS MINE BECAUSE IT WAS UNDER MY NAME. 

I HAVE REACHED OUT TO THE BUREAUS, AND THEY HAVE NOT DELETED THE INQUIRIES NOR THE FRAUDULENT ACCOUNTS. THEY ALSO DO NOT RESPOND TO MY COMPLAINTS. I AM XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has incorrect hard inquiries on my XXXX credit report. They are showing inquiries from XX/XX/16. Inquiries that I did not authorize I do not know what XXXX is nor did I apply for anything from them. A fraud alert has been placed on my account since the discovery of these inquiries I have spoken to them via phone and sent countless letters and they refuse to remove these inquiries from my XXXX  report. The inquiry date is XX/XX/16. I would like this inquiry removed immediately as I did not authorize it.
Product: Payday loan, title loan, or personal loan

XX/XX/XXXX - wrote headquarters informing them as stated on website regarding the circumstances on being forced to get an amount I did not ask for. 

XXXX - call customer service, promised a call back by general manager XXXX payment due of XXXX XXXX payment due went from XXXX up to XXXX. 

XXXX contacted head quarters again - the manger that was supposed to contact me was on vacation XXXX recieve voicemail from someone from company Called back left message on voicemail XX/XX/XXXX Emailed XXXX Emailed company head quarters XX/XX/XXXX recieved a collections letter XXXX Balance Due is XXXX XX/XX/XXXX - made a XXXX payment XXXX, along with other critial needs for my children. 
I asked for XXXX that is all I could afford. Regardless at most XXXX a month. 
Store manager gave me a low interest rate deal ( I was a loyal customer with a previous pay off I barely could do ) I take the new Max I qualified for being back XXXX in 24 hous and be a low interest rate. 
Being my oldest daughter was missing and I was highly stressed out I took my check and deposited it. 
Now I realize I was scammed and now in jeopardy of loosing my car. I make XXXX in XXXX! 
I can't support XXXX kids, XXXX with severe needs on XXXX. I asked for something with as much as XXXX a month payments. 
If I loose my car because of this greedy company scam, I will loose my daughter. This was very unfair and a scam on someone who is low income and vulnerable because I have good payment history. 
I fear I will loose my car soon, although I have attempted to reach the company before it was a threat to our livleyhood.
Product: Debt collection

I have 2 complaints regarding Conn 's. My first complaint, is repeated phone calls starting the day my account is due through date payment is made. I may receive 10 calls, if not more in one day. I try to answer them all, and when I do there is no one on the line. I have asked the to call, leave a message and I will call back as soon as I can. However I have been told that its an automated system and there is nothing that can be done to limit calls. I am in the process of getting my call records to determine exact number of time they call me. 

Second complaint, I have a defective product I purchased. I have repeatedly asked about my options, it was not until a few days before my warranty expired they finally sent someone out to look. The repair person did not find anything wrong but " reinforced structure '' He also explained because of the type of sofa it would sink in the middle and told me to call customer service back if I was not satisfied. After being transferred back and forth, given wrong information and being persistent, now they are sending someone else out or my other option is to do a voluntary repossession, but still make the payment. I bought the sofa, for my daughter as a gift, a single person that works a full time job and is also a XXXX, and is rarely at home, so the sofa does not have a lot of wear and tear.
Product: Checking or savings account

On Monday, XX/XX/year> my account at Robinhood was suspended with more than US {$63000.00} in investments, assets and cash value combined. The reason they provided was that my account was accessed from a Russian IP address which is a US sanctioned place and immediately my account was
suspended and I can no longer access it.

I provided the reason that happened was because of a security software that I'm using to protect my online privacy ( XXXX XXXX XXXX XXXX  it rotates my proxy ip address every few minutes and when I was trying to access Robinhood, the spoofed ip address happened to be starting from XXXX which corresponds to the XXXX  XXXX address. I even mentioned to provide my ID or any other related documentation to help reinstate my access but the support team has been unresponsive so far. There is no way for me to call them as the only way to request a call or something is via the Robinhood app and I'm not able to log-in to the app at all. 

I do have the case ID corresponding to my request, which is : Case ID : XXXX This is a horrible customer support experience and my money and life-savings are held hostage at this point.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid this account on XX/XX/2022. ( email attached ). I asked the customer to UPDATE the credit report and they have NOT done so. I have also repeatedly requested for them to update. As of today. This account is still reporting Charged off XXXX in the amount of {$3600.00} and XXXX and XXXX status are also incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my ANOTHER 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 an alleged fraud or extortion. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX TX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$300.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$18000.00} ; XXXX XXXX XXXXXXXX Balance : {$470.00} ; XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX {$210.00} ; XXXX XXXXXXXX XXXX XXXXXXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX Balance : {$370.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX, XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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

I filed a dispute for some ongoing deductions from my account that were not authorized. 
There were over XXXX transactions. 
Capital One denied my claim immediately. 
I asked for information supporting their reason for denying the claim. 
They told me that they had contacted all the companies I submitted so I asked for proof. 
They sent a copy of my bank statement. 
Weeks later I received an email from XXXX of the companies that stated my money was returned to the bank because the transaction was disputed. 
The bank never returned the money to me. 
I contacted Capital one immediately and they had no explanation. 
They never conducted a proper investigation or returned my money to my account.
Product: Checking or savings account

I had numerous problems getting my funds transferred from Citibank in XXXX. I was told if i wanted to access the funds in my savings i had to open a checking account, which i did not want but did so just to be able to access my money. 

After the funds were finally transferred, I requested that all accounts be closed. One of the accounts ( checking ) was closed, the savings account was not closed, though I made multiple requests to have it closed both online and on the phone, I was told it would be closed.

I received a notification that the account was not closed, and additionally that i have been assessed multiple fees for low balances. I am now chatting with them and they tell me becuase i am an elite customer, i have to call xyz to get the account closed, and when you call that number no one answers. 

I really want the accounts closed like i asked, this is a complete scam.
Product: Credit reporting

For some odd reason Experian is keeping everything on my report for 10 years. I do have a bankruptcy and understand that has to stay, but other things that should fall off in XXXX ... everything is defaulting to 10 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed the XXXX credit report I had ordered on XX/XX/XXXX and I saw an entry from XXXX/XXXX. I contacted XXXX   on XX/XX/XXXX, XX/XX/XXXX regarding my findings and demanded a Method of Verification/ Description of Procedure per the Federal Credit Reporting Act ( FCRA ) 609 & 611 as to how they conducted their investigation into the items were listed on my report.

FCRA 611 ( a ) ( 7 ) states : Description of reinvestigation procedure. Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 

I received a response from them XX/XX/XXXX. It basically was their normal response. The information on this item has been updated. During this time per Federal law as listed in FCRA 609 & 611 they failed and or refused to tell me how they verified this. They provided no evidence to me at all even after I demanded the full scope of the investigation in my letter.

FCRA 607 ( b ) states Accuracy of Report ; whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. If XXXX has deleted it and I sent you information, then it is Trans Union obligation to maintain accuracy. Per the XX/XX/XXXX CFPB Report the following are causes of credit file inaccuracies : Data and data entry errors, CRA file matching inaccuracies, CRA process errors, Identity fraud/theft, Time lags and furnisher system or process inaccuracies : Failing to permanently change records when a consumer successfully disputes an inaccuracy, with the result that faulty information is re-reported ; Undaunted by this I tried once again. I asked for the same information from the other two bureaus ( Transunion & XXXX ). Transunion nor XXXX didnt provide it. As I believe all of them are still using E-Oscar to verify when that has been ruled not to be verification. I also wrote XXXX/XXXX on XX/XX/XXXX and they never responded as well. With no response to me how is it that this is still verified. What were they getting that I wasnt that XXXX refused to share with me the information that was in my credit file showing where they did a full credit investigation as I requested by law. 

All this correspondence I will be including for you as well. I am including the letter I had asking them to remove that as well.
Product: Credit card or prepaid card

On or about XX/XX/2022 {$250.00} was direct deposited from my payroll account to a netspend account using debit card XXXX and XXXX. On or about XX/XX/2022 XXXX XXXX attempted to deduct {$140.00} from debit card XXXX for an annual renewal. Netspend declined the transaction and issued an alert via text message. I did not recognize the charge and the card was suspended. After brief investigation I realized my mistake and used XXXX ( same netspend account ) to authorize the transaction which was approved and the funds were deducted leaving approximately {$150.00} remaining in the account. I attempted to access the netspend account but was refused access with a message to contact customer support. I contacted customer support and was instructed to email or fax images of my social security card and drivers license before access to the account would be granted. I refused since I believe this information is extremely sensitive and the means for data transfer netspend was requiring is not secure. I told netspend to close my account and refund the remaining funds to the address on record. I was told this would occur. As of today XX/XX/2022 I have not received the funds and contacted netspend to inquire regarding status of the refund. I was informed that no refund would be issued until I submitted sensitive personal information via an insecure method. I believe this request from netspend is unreasonable, they can simply return the funds to the address of record from which the account was opened but are refusing to do so. Netspend has unlawfully converted my funds refusing me access to my money. I have demanded a refund and they have refused to do so. I believe this may be a scam or ploy to gain funds from unsuspecting consumers since netspend knows this is a small amount making legal action by victims unlikely.
Product: Debt collection

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 713,719, I presume that no debt, nor therefore any such debt, in fact therefore exists
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize these companies to pull my credit. Each inquiry is hurting my credit score.
Product: Mortgage

Received 2 1099-Cs for XXXX One in my wife 's name and one in mine. This loan was payed off in full in 2019 and there was NEVER any cancellation of debt. Called and spoke with customer service. She was professional and polite and started talking about having a modification etc. which I never had. She confirmed with their loss mitigation department that there was no modification in the past. She sent an email to the department responsible for sending out tax notices. I'm filing this complaint to put it on the record that this has happened in case it is a systemic issue at Wells Fargo affecting other people. Given Wells Fargo 's history of deceitfulness and lack of integrity, I felt it necessary to immediately file this complaint. Also, as a person who has completely paid off what started as a XXXX dollar mortgage in a shade over 15 years and prideful about that accomplishment, just the mere insinuation that I was ever in default of any kind is a direct offense to me, and further substantiates why I will never do business with Wells Fargo again. Way to go on accusing a timely paying customer of having a default and cancellation of debt.
Product: Credit reporting or other personal consumer reports

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

XXXX XXXX XXXX XXXX {$150.00} 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

In accordance with the Fair Credit Reporting Act XXXX  account # 's XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, have violated my rights. 

15 USC 1681 section 602 A I have the right to privacy.

15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish a account without my written instructions
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service & 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 resolution, 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: Debt collection

I would like for MIDLANDCRE to show proof of verification that I owe them $ {$250.00}, ACCOUNT XXXX. As of date, you have not provided me with a 1099c for my review and my records. I am asking that you do this now. In addition, if you reported this alleged debt as a loss to the IRS, I request that you pull this account back from any collection agency you may have placed it with or from any debt buyer you may have sold this to. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed ABOVE. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. Please provide this within 30 days. Until this has been provided, I am requesting that any negative reporting to my credit by your company or any company trying to collect this debt is immediately stopped.
Product: Credit reporting or other personal consumer reports

I want to discuss my recent review of the credit report acquired from your bureau. Upon certain scrutiny, I noticed the existence of reported late payments on my accounts and I disputing this incorrect information. I have done necessary steps to address and find out any postponed payments. I am amused to inform you that other credit bureaus have already took off these late payments from their records. I am peculiar about the discrepancy in reporting between your bureau and others. Please have this account CORRECTED and REPAIRED. 



XXXX XXXX XXXX XXXX