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

I am a Robinhood account holder for many years now. I never had any problems receiving my monthly retirement transfers from abroad and using such money for my usual expenditures. It turns out that by the end of XX/XX/2022, some criminals were able to clone my debit card and pin and use it to withdraw money from my account in another city far from my home. I made a Police Report turned it over to Robinhood, disputed the charges, and receive back the money taken from my account. Without any issue. On XXXX the XXXX, when my retirement arrived in my checking account I tried to make a purchase, which was declined by Robinhood, and soon after my account was placed in restricted mode. That means all my money is frozen. I can't withdraw, transfer, or buy stocks or crypto. As I try to talk with Robinhood support all the agents tell me that only the internal department of Robinhood can actually give any information and they only communicate using emails. And they close the chat or end the phone call with me without any more information about how long this department will take to unrestrict my account, what they need to unrestrict my account and the most important question : why they restricted my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 XXXXXXXX XXXX, I sent several EQUIFAX executives a registered email with a signed and sworn Notice of Demand by Affidavit demanding that EQUIFAX removes all negative items from my credit report, including all hard inquiries and late payments within 24 hrs of notice. I never gave EQUIFAX permission to furnish my private transaction information, let alone create a credit report using my social security information. 

I have let them know they are violating several federal laws. They have yet to comply with my demands.
Product: Credit card

I consistently make payments on time for this account, which makes me extremely anxious to see incorrect late payment records. I have always kept my word to pay within the time limit. The impact of this error on my mental well being is significant, which affects sleep and peace of mind. I respectfully ask for an immediate correction to my account and hope you understand the urgency of this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

XXXX XXXX  XXXX  -- -> XXXX  XXXX XXXX  XXXX XX/XX/2015 {$130.00}
Product: Debt collection

Since XX/XX/XXXX I have been asking LVNV Funding to provide proof that this is my debt as I have no knowledge of this alleged debt. I have attached letters dating back to XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. To date they have refused to respond or provided any proof that this is my debt. My understanding is that if they fail to provide adequate proof, they must remove the reporting on my credit report ( see attachment. ) Additionally, this item goes back to XX/XX/XXXX which means that Statute of Limitation in Florida ( 4 years for a credit card debt ) which means that the debt is also uncollectible and should be removed as it is violation of FCRA to attempt to collect a debt which is known to be uncollectible.
Product: Debt collection

XXXX XXXX XXXX XXXX, is trying to attempt a fraudulent debt, which XXXX XXXX XXXX XXXX, is well aware I do not owe. XXXX is claiming I owe them {$580.00}, when in fact, XXXX owes me {$980.00} for unreturned rent monies, and unreturned security deposit monies.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union. Regarding, multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled the insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the credit bureau to inform them that these companies had performed UNAUTHORIZED inquiries on my report and the bureaus stated I needed to contact the companies individually, which I did and the companies stated they had no knowledge of these inquiries and I needed to contact the credit bureaus. The bureaus are refusing to remove these inquiries and it is causing problems with my credit profile. Several of the inquiries are duplicates. I have contacted Equifax a total of 4 times to get these inquiries deleted and each time they send me a letter stating the inquiries have been investigated and they are factual and the credit bureau also states the companies have a right to obtain my credit report without my authorization or consent. This is against the FCRA laws and I have contacted the FTC regarding this matter. The report number with be listed at the bottom. These are the inquiries that are listed on my Equifax credit report that were NOT AUTHORIZED by me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX. The company has refused to remove these inquiries stating these creditors have a RIGHT to check my credit, which is untrue because I didn't authorize the credit checks. They also states the inquiries were factual and I would like proof of authenticity and proof regarding how these inquiries were verified to be factual. I have also filed a complaint against the credit bureau with the FTC. FTC report # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Tranunions received my letter showing my XXXX payment never been late. I call millions time. Sent certificate letters. I call this morning and the guy was very rude.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I requested my free annual credit report from transunion. I gave my complete name, address, social security number. I have lived at the same address for the last 32 yrs, my name, address and social security number has not changed in 32 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that 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. 


XXXX XXXX XXXX Balance : {$670.00} ; XXXX XXXX XXXX FL XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX
Product: Credit reporting or other personal consumer reports

This accoutn is reported differently across all reports and none of it is correct. I dont understand how they are willing to commit fraud. This information is wrong. The XXXX, XXXX and XXXX all refuse to do their required job and confirm and correct.
Product: Mortgage

I fell behind on my mortgage in 2013 due to illness. I received help with the " Ohio Save the Dream '' program. Wells Fargo received the payment from the program and stated the amount received was incorrect. A check for {$15000.00} was sent to pay the mortgage through XXXX/XXXX/13, which is what was stated on my closing documents. Wells Fargo said they were only notified that the mortgage was to be paid through XXXX/XXXX/2013 and returned {$1700.00}, saying they are not permitted to apply more funds than what is allowed for a loan " saving '' through this program and that they were only told to apply through XXXX/XXXX/13.. I was n't able to get the mortgage caught up. Wells Fargo blames Save the DReam. Save the Dream says it was a problem with Wells Fargo. None the less, I lost my home and would like to rebuild my credit to be able to buy a home in the future. I have asked Wells Fargo to remove the negative reporting from my credit. They say they ca n't because the mortgage was behind ... but it was only " behind '' because they returned the funds. I do n't care about who is at fault. I just want the negative reporting off my credit.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account. Actually I am not sure that the account is even mine though your company claims to have verified this. Depending solely on your flawed XXXXr system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the XXXX system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

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

XXXX XXXX improperly billed me for a service despite XXXX  's response to the claim stating specifically that the amount they may bill me is XXXX. 

I proved this in my dispute with equifax with a copy of the XXXX summary notice for the service. It shows the same date of service ( XX/XX/XXXX ), patient information, procedure code ( professional charge for a XXXX XXXX ), amount charged ( {$190.00} ), etc. as the XXXX XXXX bill in question. Despite that XXXX  summary notice clearly stating " the amount you may be billed : {$0.00}, '' for that service, the collection agency still believes it to be legitimate and Equifax won't remove it. 

Because it's not fraud, the FTC and police will have nothing to do with the dispute, and yet I need either a police report, a letter from the collection agency showing " paid in full, '' or a letter from the FTC. Because there is no way this could be " paid in full '' when I don't owe it, there is no recourse for me to get this fixed short of spending tons of money on lawyer 's fees to sue XXXX XXXX and the collection agency. 

The other two credit reporting agencies ( XXXX  and XXXX  ) did not have that collection agency information on my credit report, as their credit scores for me are above 750 and Equifax 's is below 660. Because Equifax feels the need to report medical debt, they should have a protocol for disputing medical debt, and as shown above, they don't. 

Equifax has all the required documents in my dispute file under dispute # : XXXX dated XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX closed my card on XX/XX/XXXX without my knowledge and apparently I wouldve had XXXX days to dicker with them to open it back up, but since I didnt know, I didnt have those XXXX days. The problem is the reporting to the credit bureau that I closed the card and I didnt and I have a beautiful payment history. when I spoke to XXXX, they told me file complaint with the credit bureau full well knowing they were going to get away with us and they have so far. I need your help. Theyre ruining my credit that Im trying to rebuild from a medical bankruptcy I had to do and was discharged in XX/XX/XXXX XXXX XXXX  closed my XXXX card XX/XX/XXXX without my knowledge stating I closed the card on the credit bureau . Same thing that was done to me at XXXX XXXX. I believe this is a ruse theyre using. again, I had a beautiful payment history. I sent documents in from my bank showing that the payments were made on time every time, and they were not returned as I was accused of! And then the reporting to the credit bureau that I closed the card! Evil & and my score dropped significantly.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX Experian XXXX. XXXX  XXXX XXXX, Texas XXXX To Whom It May Concern : Enclosed please find a letter from Experian dated XX/XX/XXXX stating that I had placed a security freeze on my account, and giving me a pin number that would allow the security freeze to be temporarily lifted or permanently removed. If I didnt contact Experian to temporarily lift or permanently remove it, how was it possible for numerous credit card companies to obtain access to my account in order to issue credit cards to someone besides me? Enclosed please find two letters I sent you on XX/XX/XXXX and XX/XX/XXXX where you allowed this to happen previously. 

This has created a nightmare for me, since now I have to contact each individual company and convince them that I didnt authorize them to issue credit cards to these individuals because of Experians negligence. 

I would appreciate if Experian addressed the above issue ASAP,  since was done without my authorization, and also take the necessary steps to prevent this from happening again.
Product: Credit reporting or other personal consumer reports

I have been messaging kikoff lending llc about a derogatory report on my credit they have made on my Credit profiles with no adjustments. They have yet to remove this account and this goes against consumer laws. 

This is not accurate, current, or verifiable. 

They have a final balance being reported of {$9.00} on XXXX but on XXXX it is a final balance of {$12.00}. The amount of the monthly payment is missing. The final balance says {$0.00} on XXXX so Im not sure why its even in collections. This debt it not valid and needs to be deleted. See attachments below.
Product: Credit card or prepaid card

I have a Chase credit card ending in XXXX that had a statement balance due of {$24000.00} for the billing cycle of XX/XX/XXXX - XX/XX/XXXX. 

I paid a total of {$24000.00} ( {$100.00} more ) during this period, the last payment of which was following the online prompts on XX/XX/XXXX specifically to pay the remaining statement balance in its entirety to avoid any finance or interest charges. 

Even so, I was just charged {$150.00} in interest fees for this exact statement cycle in spite of having fulfilled my obligations as a credit borrower, using Chase 's own processes and calculations for remaining statement balances owed to pay my credit card in a timeline manner with 5 days remaining before the payment due dates. 

Chase phone support acknowledged their ability to reverse the charge, but refuses to do so, citing some XXXX about daily interest rates and how there was some kind of leftover balance that still triggered the interest accrual to assess fees. 

When asked to get a transcript of the call, I was told they couldn't do that. When asked to get an email summary of their decision and reasons, I was told no. They were completely unhelpful and not at all interested in taking responsibility for their error, instead attempting to bamboozle me into accepting their " logic '' for why paying a statement balance in full should still generate interest charges. I've had credit cards for decades. I know how their statement balances work, and this is outright theft.
Product: Credit reporting 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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: Debt collection

SUNRISE CREDIT SERVI/XXXX XXXX You are in violation of the following subsections of the FCRA ( Fair Credit Reporting Act ) 15 USC 1681. Before I proceed I would like to make it clear to ur company, and those in positions of Authority at your company that congress makes it clear that the banking system is dependent Upon my consumer reports being fair, and accurate to me, Pursuant to 15 USC 1681 ( a ) ( 1 ). Pursuant to 15 USC 1681 ( a ) ( 2 ) congress made clear that you are an elaborate mechanism with no real standing, OR authority. Pursuant to 15 USC 1681 ( a ) ( 3 ) You were not given this role. You assumed this vital role, and because of your ASSUMPTION you have negatively affected my life, and those around me causing me severe hardship, mental stress, and depression. I have been unable to live fairly because of you assuming this role, Pursuant to 15 USC 1681 ( a ) 4 ) You were unfair in reporting this erroneous information without First consulting with me the consumer. You have no proof that this transaction even took place.You were also impartial because you allowed information to be reported while only hearing one side of the story. You also infringed upon my right to privacy by having a conversation about me with a third party, and reporting this information as result of that third party. I am demanding that this information be removed PERMANENTLY soon as possible. Pursuant to 15 USC 1681 ( a ) ( b ) You did not meet the needs of commerce because this was not Fair and equitable to me. This information is not accurate, neither is it relevant to me. Nor was this False information properly utilized in a manner that is or was equitable to me. This information is not accurate, nor is it relevant to me. Nor was this False informaton properly utilized to a manner that is or was equitabie to me. If This transaction even took place it should've been confidential so you in fact betrayed my confidence. You are in violation of 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) If this was a factual transaction ( Which you would not know because you were no there ) it would in fact be a transaction that solely took place between me and the person who allegedly made this report. Pursuant to 15 USC 1681s ( d ) ( 2 ) ( a ) ( I ) it should be excluded from my consumer report. Pursuant to 15 uS 1681a ( 2 ) ( B ) " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device '' Should be excluded from a consumer report. The definition of a credit card under 15 us 1681 is the same as it is under 15 USC 1602 ( 1 ) which is " the term " credit card '' means ANY card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit '' Notice, congress said ANY card. The credit card referred to in the following section is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should all be removed from My consumer report pursuant to 15 us 1681a ( 2 ) ( B )
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 i contacted transunion and i was told that i am locked out of my report for life i will never be able to get into my report online please fix this i have been dealing with this for a long time because someone took my id after i got out of the XXXX and was on XXXX XXXX  for a long time and now i am paying the price for this over and over again
Product: Credit reporting, credit repair services, or other personal consumer reports

My information has been obtained illegally and used for things which I do not know what but they are calling me from collection companies saying I owe money for things I have never even heard of or know nothing of. They are banks and also collection agency accounts showing on my credit report that is several impacting my ability to utilize my credit properly. All of these accounts are fraudulent and have never been authorized by me ever. Its a XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX. Please help me get to the bottom of this and clear this up and get my credit life back to normal. Thank you very much for your assistance.
Product: Debt collection

I was sued in court for FORCIBLE ENTRY AND DETAINER to my apartment I rented and the original creditor dismissed the case without prejudice then sold the debt to a creditor
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my report and noticed XXXXi had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XX/XX/2XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/24 Here I attach, along with the dispute, my fraud report that I just sent to TransUnion for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.
Product: Mortgage

To add to the other complaints after my son spent over a year trying to become the successor this letter was received from a XXXX XXXX of Bayview. This was done after almost 19 months of trying to get it done. Now since I am the husband and was the one looking to become the successor they put it in the wrong name. Just another comedy of errors.
Product: Credit reporting 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 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Mortgage

Hello, I requested a per-approval letter from XXXX mortgage to buy a home. XXXX Mortage lender XXXX XXXX, pull my credit history without my approval. he told me that he can not issue a pre-approval because he did not have my XXXX forms for the past years. i said my accountant is on vacation and i can not current get them. i asked him to withdraw my application. However XXXX XXXX pulled my credit history and that damaged my credit.