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. 

XXXX XXXX XXXX XXXX, Account # XXXX has violated my rights XXXX XXXX XXXX XXXX, Account # XXXX has violated my rights XXXX XXXX XXXX XXXX, Account # XXXX has violated my rights XXXX XXXX XXXX XXXX, Account # XXXX has violated my rights XXXX, Account # XXXX has violated my rights Inquiries : XXXX XXXX XXXX has violated my rights XXXX XXXX  has violated my rights XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX has violated my rights 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency many 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 card

I attempted to dispute a charge on my card and was told because I have a previous relationship with the vendor, they are allowed to store my card and bill me with no dispute authority. They allowed this charge despite the fact it would take me greatly over my limit. The only option I was given was to make an extra payment to bring my account balance back under the limit to avoid a negative mark on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter out on XX/XX/XXXX to XXXX, XXXX, and Equifax. However, it's been more than 30 days and the credit bureaus failed to send my investigation back. This is not making any sense. 

The disputed account : XXXX XXXX XXXX  XXXX XXXX {$520.00} According to the law 15 U.S. Code 1681i - If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

This matter is a violation of my rights and I would like this account deleted from my account on these bureaus.
Product: Checking or savings account

Unknown amount charged from XXXX XXXX & illegal amount charged from XXXX XXXX XXXX. XXXX XXXX & my navy federal account was illegal closed. 
I have a illegal credit score. 
I am a victim of social engeering fraud & a victim of theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX claims they have a master promissory note with my signature on it. Please send me a copy of a bilateral contract in the form of the master promissory note that shows I am the obligated party for repayment to your company. 

Only the holder of an instrument has the authority to collect on a debt. If you did not sell this instrument you should be able to send me a copy of the original note. 

If you can not provide this contract delete this account from XXXX and Transunion
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been battling with these bureaus for months now about reporting inaccurate information. I have asked for proof of debt with validation me proof and validation, proof of 1099c for the debt etc ... in a timely manner and still have not received my request. so now I Will take this case to the next level because this inaccurate reporting is TARNISHING ME AND MY FAMILY AND IT MUST STOP! Without Prejudice15 US code 1681s-2 ( A ) Reporting information with actual knowledge of errors. 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.15 us code1681 accuracy and fairness of credit reporting ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 15 US CODE 1692g validation of debt ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. ( b ) DISPUTED DEBTS. If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. I agree to pay back any financial obligation in which I lawfully owe, ON THE CONDITION if you provide : XXXX Validation of debt- that is the actual accounting. XXXX Verification of the Claim against me ; that is a signed invoice. XXXX A copy of the contract binding both parties ( Me and You, in a letter by Certified Mail so that there is an independent witness to it having been delivered. send me proof alleged debt specifically the original alleged application bearing my signature that provide proof to me that you are not reporting misleading information
Product: Credit reporting, credit repair services, or other personal consumer reports

Ecmc has reported a 2013 collection that doesn't belong to me and has not been validated
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$3800.00} XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX Balance XXXX {$3800.00} XXXX XXXX XXXX Balance : {$3800.00}
Product: Checking or savings account

My name is XXXX XXXX they did that to me when the pandemic started it took them months to pay me saying my file had a flag on it but couldn't find the reason why it said that and it took them months and months of me calling everyday on hold for hours for nothing and I still have two pages of payment claims I never received the money when I told them about it they went in and changed it to paid I t said I never got the payments they issued another card then they changed company 's for the pre paid company 's this started in XX/XX/2019 they gave me 8 payments again they started XXXX and not giving me the payments then I got hacked they stole theoney it was there then gone
Product: Credit reporting or other personal consumer reports

I Am Requesting An Re - Investigation From Trans Union LLC concerning COMPLAINT ID XXXX. I am also Filing an Follow Up Complaint As A Federal Protected Consumer To Exercise My Consumer Rights And Resolved Inaccuracy and Unfair Activity In Concern With My Credit report. According To 15 U.S. Code 1681i ( 1 ) ( A ) - Procedure in case of disputed accuracy ( a ) Re investigations of disputed information ; Re investigation required. In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable re investigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which Trans Union LLC receives the notice of the dispute from the consumer or reseller. Reporting MY Personal Credit Information to A Non Affiliated 3rd Party Is Illegal. IF Trans Union LLC Failed To Honor The Federal Protected Consumer Laws And My Consumer Rights, Then The Next Step Will Be To Take Legal Action In Federal Court.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently applied for a XXXX XXXX credit card and when they ran my credit they said I was not approved and I would receive a letter in the mail with the details of why I got denied. Today XX/XX/2020 I received the letter and it said that the reason I was not approved was that I had one or more accounts in negative standing. I know I don't have any negative accounts on my credit so I got a copy of my credit report and there are three accounts with negative payment history that do not belong to me. The accounts are from these companies XXXX XXXX, XXXX XXXX XXXX & XXXX XXXX XXXX. I have never had an account with any of these companies nor am I affiliated to them in any way. I have no idea who opened these accounts in my name without my permission but I did not benefit anything such as money, goods or services and I never made any payment towards any of these accounts. I have already filed a police report and a complaint with the Consumer Financial Protection Bureau.
Product: Debt collection

After multiple disputes, XXXX/XXXX has continued to report invalidated account information to the three credit bureaus without proper validation per the FDCPA and the FCRA. There has been no proof of a signed contract with my signature on it or any documents stating that I agreed to pay XXXX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fir Credit Reporting 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 has violated my rights. 
XXXX XXXX XXXX XXXXXXXX XXXX has violated my rights. 
XXXX XXXX XXXX XXXX has violated my rights XXXX XXXXXX/XX/XXXX has violated my rights. 
XXXXXXXX XXXX XXXX XX/XX/XXXX has violated my rights. 
XXXX XXXX XXXX XXXX/XXXX/XXXX has violated my rights. 
XXXX XX/XX/XXXX has violated my rights. 
XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX has violated my rights. 
XXXX XX/XX/XXXX has violated my rights. 

15 USC 1681 Section 602 A states 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 written consent.
Product: Debt collection

Was sent a collection letter and responded within 30 days telling them this debt is the rsult of identity fraud. It appears that someone obtained medical services in my name. I did not receive any treatment from the original creditor. 

Asked the collection agency to validate the debt by sending me a copy of the SIGNED agreement to pay them. Since I did not receive the services, I knew they would not be able to do so, and in fact they never validated the debt. 

The agency continues to report the debt to the credit bureaus, and is not noting in any way that the debt is disputed. 

The agency is also reporting this debt TWICE with the credit bureau, with the same exact dollar amount, but with different dates about 4 months apart. This makes it appear that twice as much is owed.
Product: Credit reporting or other personal consumer reports

I am writing to formally report that I am a victim of identity theft. Unauthorized credit inquiries have been made on my credit report without my consent. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request the immediate blocking and permanent deletion of the following inquiries from my credit report : Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit card or prepaid card

XXXX XXXX has " Zero '' Integrity and needs to be investigated on their business practices and their applications FAIL to disclose they can and will pull any of the 100 or so Credit reporting application to extend credit for on of their STORE cards. This PRACTICE is not being PRACTICED by any other LENDER NOT MAJOR CREDITOR. This is an illegitame scheme to deny credit to those like me who have been Purposely Black listed for no reason. A few years ago my IDENTITY was stolen and filed many fraud alerts with XXXX XXXX and since then trying to get any personal credit with them has been BLOCKED. My FICO score pulled for their XXXX XXXX store card was FICO XXXX XXXX from XXXX. XXXX XXXX a major bank much prestigious and harder to get APPROVED used the same scores to APPROVE 4 lines of credit. XXXX XXXX pulled a FICO score 0f XXXX, but denied my a store card for XXXX XXXX having a security freeze. Account protection requested I open XXXX XXXX and then later stated they did n't need XXXX XXXX and for me to reopen XXXX multiple times. Then this letter stated they denied me for too many " Excessive INQ ''. They are the only company thats been requesting me to open XXXX multiple times. This is simply BAD BUSINESS! Account Protection stated they would remove XXXX INQ, but why? Because they obviously see there clearly is discrepancies in their handling of this application. No creditor willfully removes INQ unless they are guilty of doing bad business.
Product: Debt collection

Attention dispute department WAYPOINT RESOURCE GROU XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious WAYPOINT RESOURCE GROU XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Litigation, Case No. XXXX, in the XXXX XXXX XXXX for the XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/1981 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Mortgage

Upon leaving XXXX, I was behind on a mortgage on an investment property that resulted in the bank seeking filing for foreclosure. I applied for a loan modification, but was denied but I was offered a one-year repayment plan. I completed the payment plan early and in XXXX the court charges were dismissed. I 've been making my regular payments since then, but my loan is still listed as in foreclosure on my credit report, but owing {$0.00}. The loss mitigation department has been unresponsive. They send me letters that they claim to have tried to contact me which is untrue, and my alleged single-point-of-contact does not answer their phone nor do they return messages. They are preventing me from making principal payments on my loan because they claim there may be unresolved charges but they wo n't tell me how much they are. They also overcharged me by maintain the 6 % SCRA rate even though my loan terms made me eligible for a lower variable rate of 3.25 % in 2013. I 've done my best to recover from a difficult period, and I believe that PNC Bank is taking advantage of those who served because we 're easy targets.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed a account was not reporting accurately. I have XXXX late payments on an account was in fact not supposed to be mark as late. The consumer reporting agencies need to report all information with complete accuracy. The delinquent payments showing on my credit report XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX was the result of my job loss due to XXXX. The CARES ACT which was signed into law on XXXX XXXX and ended XX/XX/XXXX. The act amended the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during the XXXX crisis under these circumstances. Please update this information and remove late payments for the following periods.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never authorized or even visited the dealership to conduct any business. 
After numerous letters in XX/XX/2022, from various lenders I tried to correct this. 
I spoke to XXXX XXXX and XXXX at XXXX XXXX XXXX ( XXXX ) XXXX. 
I was told this would be resolved but it was not and has lowered my XXXX credit score greatly. There are12 inquires from this error. Please delete all inquires and restore my good credit standing. Thank you
Product: Money transfer, virtual currency, or money service

I am writing to file a formal complaint against Robinhood regarding the continued restrictions on my account and the subpar customer service I have received in trying to resolve the issue. Despite fulfilling all verification requirements, my account remains locked, and I have encountered numerous problems with Robinhoods customer support. 

Here are the details of my complaint : Account Restrictions and Verification : My Robinhood account was restricted, and I was instructed to provide certain verification documents. I promptly submitted all requested information, yet my account remains inaccessible. I even received an email from Robinhood stating that the restrictions had been lifted, but this was not the case.

Customer Support Challenges : Every time I try to contact Robinhoods customer support, whether by phone ( including when using a landline ) or through the Robinhood app, the representatives either act as if the service is unavailable or immediately disconnect the call. Additionally, they fail to complete support chats within the app, which prevents me from requesting further assistance for hours. This deliberate lack of follow-through has left me unable to resolve my issue and continues to create an impossible situation for me to get any resolution.

It feels as though Robinhood has intentionally set up their system to make it difficult, if not impossible, for customers to have their issues addressed. I am left feeling frustrated and helpless, unable to access my funds or receive proper customer support.

I kindly request that the Consumer Financial Protection Bureau investigate this matter and assist me in getting my account fully unlocked and restored. I would appreciate any guidance on how to proceed, as Robinhood has failed to provide a satisfactory solution. 

Thank you for your time and attention to this matter. I look forward to your prompt assistance. 

Issues began on XX/XX/year> and are still ongoing with a over 10 calls and multiple emails and 12 files uploaded. 

Currently they have {$11000.00} of my money tied up and I need it to pay bills.
Product: Credit reporting, credit repair services, or other personal consumer reports

The [ cra ] is reporting my name incorrectly. The name the credit reporting agency is reporting is the XXXX XXXX XXXX name which is registered with the XXXX XXXX XXXX, However I XXXX, XXXX XXXX XXXX the owner of that Trust account. 

Please correct your records to reflect my correct name I am a natural man [ XXXX, XXXX XXXX ] owner, and Interest holder. Attached i have provided document proof of my claim. 
I do not posess a " last name '' or " first name '' -- It is disrespectful to my ancestors to refer to them as as Last! 
Please do not ever disrespect my family, and update your records. 

15 U.S. Code 1681s-2 ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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 or other personal consumer reports

I've made multiple attempts to address fraudulent inquiries on my consumer report without success. These inquiries are completely unrelated to me and I'm not responsible for them. Their presence has caused me significant stress and financial hardship. As an identity theft victim, I may have to pursue legal action if this isn't resolved properly. 

These false and fraudulent entries have prevented me from buying my dream home and supporting my family adequately. The impact on my finances has been severe.
Product: Debt collection

Debt was paid directly to the medical provider ( XXXX ) in XX/XX/XXXX. Account was noted with XXXX that it should have never been sent to collections and that I would pay XXXX directly via their online bill pay. XXXX was notified of this by me several times. XXXX would not let me send them receipts for paid bills and started to verbally harass me more than once. They have reported me as being in collections as of XX/XX/XXXX.