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

On Sunday, XX/XX/XXXX, Robinhood LLC Brokrage placed a freeze on my account restricting buying stock, options, and withdrawing my funds. I communicated with their support team and they initially requested bank statements. I submitted all the bank statements I had access to that they requested for review but they just responded by extending the account freeze and refusing to unlock my account and allow me access to my funds. Their support agents on the phone were difficult to understand and unhelpful. I just want access to my funds and the ability to normally use their platform to trade stocks and options.
Product: Credit card or prepaid card

I last used my card I believe the beginning of XXXX. I was paid for shifts I had worked I believe the amount for those shifts settled on Friday XXXX XXXX. On XXXX XXXX around XXXX I sent my sister {$20.00} on XXXX  XXXX XXXX which my wisely card was already linked to my XXXX previously so I didnt need my card. The last time I physically remember seeing my card was around XX/XX/XXXX. I tried to use my card to transfer money and it was declined which prompted me to try and login my wisely account to check my balance because I knew there shouldve been over {$700.00} left on my card. I was unable to login to my wisely account which made me look for my card which I was unable to locate so I contacted wisely right away and was informed all my money had been taken that was on my card from different transactions from withdrawals to payments for different things. Im contacting you guys to assist me with rectifying this situation because Ive never dealt with an issue of this magnitude before.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Experian for multiple violations related to the reporting of two DriveTime/Bridgecrest auto loan accounts on my credit report. The inaccuracies and unauthorized disclosures not only breach the Fair Credit Reporting Act ( FCRA ) and the Consumer Credit Protection Act ( CCPA ) but also implicate the Privacy Act ( 5 USC 552a ).

Inaccurate Reporting of Account Details : Experian is reporting inaccurate information regarding two DriveTime/Bridgecrest auto loan accounts, including balance amounts, balance histories, payment histories, and payment amounts. This constitutes a clear violation of FCRA regulations ( 15 USC 1681 ) as the reported information is misleading and not reflective of the actual status of the loans.

Misrepresentation of Scheduled Payments : The credit report inaccurately reflects scheduled payments, especially in the case of the second auto loan opened in XX/XX/2023. Despite the fact that no payment was expected in that month, the report shows scheduled payments of {$640.00}. Furthermore, in XX/XX/2023, it indicates four total remittances as one payment of {$890.00}. These inaccuracies violate the FCRA, as the reported information does not align with the agreed-upon terms.

Unauthorized Private Information Disclosures : Experian is displaying private information, including payment histories and payment amounts, without proper authorization. This unauthorized disclosure violates both the CCPA and the Privacy Act ( 5 USC 552a ).

I am deeply concerned about the potential harm these inaccuracies may have on my credit standing and the unauthorized disclosure of sensitive financial information. Therefore, I request the Consumer Financial Protection Bureau to conduct a thorough investigation into this matter and take immediate actions to rectify the inaccuracies promptly.

Enclosed with this letter, you will find supporting documentation, including proof of the inaccuracies, relevant legal provisions ( FCRA, CCPA, and Privacy Act ). I trust that the Consumer Financial Protection Bureau will address this complaint expeditiously and ensure the accuracy and fairness of my credit report. 

Thank you for your attention to this matter, and I look forward to a prompt resolution.
Product: Credit reporting or other personal consumer reports

I've previously disputed some information on my consumer report with Early Warning Services due to an Identity theft. They have responded promptly and later on place back all the negative information on my report. 

I want all the XXXX XXXX information that you deem as verify removed immediately. Or show me proof that I have bank with them. I've attached my credit report ( currently under dispute ) to this complain to show that I've never had a XXXX  XXXX account. I've call them to see what is going on, but they transfer my call to XXXX because they don't have any information about me. 

The second one is XXXX XXXX XXXX XXXX. I've seen some letter yesterday on my Early Warning Dashboard saying that they are reinserting some information, again the Social Security reporting on those account doesn't belong to me. this is an identity theft, and I want it removed from my credit or show me proof that I own those account.
Product: Credit reporting

My personal information was compromised. Someone is trying open up credit card accounts in my name without authorization. When I called the individual companies, they said they can not do anything about it. 
Here are the inquiries in question. 
XXXX XXXX/XXXX/XXXX XXXX XXXX Card XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX Banking XXXX XXXX/XXXX/XXXX Miscellaneous And Public Record XXXX XXXX XXXX/XXXX/XXXX Miscellaneous And Public Record XXXX XXXX XXXX/XXXX/XXXX Miscellaneous And Public Record XXXX XXXX/XXXX/XXXX Miscellaneous And Public Record XXXX XXXX XXXX/XXXX/XXXX Banking XXXX BANK XXXX/XXXX/XXXX Banking XXXX CARD SVC XXXX/XXXX/XXXX Banking XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX Banking I am requesting validation, made pursuant to the Fair Debt Collections Practices Act. I am requesting competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to run my credit.
Product: Credit reporting or other personal consumer reports

General Information Incident Type Identity Theft Tracking Number XXXX Report Date XX/XX/XXXX XXXX XXXX SSN XXXX Reporting Person Information Name XXXX XXXX , XXXX Home Address XXXX XXXX XXXX, XXXX , CA XXXX, US XXXX Email XXXX Work Phone XXXX Race XXXX Gender XXXX Date of Birth XX/XX/XXXX Driver License No XXXX Licensing State CA Incident Information Incident Location XXXX XXXX XXXX , XXXX, CA XXXX Enter the date/time your stolen identity was first used. XX/XX/XXXX XXXX XXXX Enter the date/time your stolen identity was last used. XX/XX/XXXX XXXX XXXX Date Discovered XX/XX/XXXX Location Type Residence - Single Family Amount Lost? XXXX Type of identity Theft Credit/ Debit card or Number Incident Description I have received a credit card from XXXX XXXX and it was in the mailbox that someone opened and stole the credit card along with my SSN information. I was notified by bank of this incident.
Product: Checking or savings account

I have tried to get it into my account several times and they will not allow me to do so, since 2019
Product: Checking or savings account

I used mobile check deposit in XX/XX/2023. My funds were not available by XX/XX/XXXX 5 business days after the check was deposited. Several representatives lied about making the funds available same day, and three others were rude, which includes one representative hanging the phone up. As of right now XX/XX/2023 my funds are still not available
Product: Credit reporting, credit repair services, or other personal consumer reports

In late XX/XX/2019, I received notification from credit karma that I had acquired a late remark on my credit report from XXXX XXXX XXXX secured visa card. Upon making contact with XXXX XXXX I was told this would not be removed because I did not have the funds in my account. I was then told I would receive paperwork in the mail to correct this issue or I could send in the documentation. I sent a letter in which they responded the reporting is accurate and would not be corrected this letter was received in late XX/XX/2019. Since receiving that letter I have received two letters from my bank stating the funds where in my account and it was a mistake on their end due to the first 3 prefixes of my account being incorrect. The first letter was sent to XXXX XXXX which they still have not corrected. I am in the process of purchasing a home and I have worked very hard to maintain a good credit report. Attached you will see the letter from my banking institution and phone number to contact them should you have additional questions.
Product: Mortgage

My mortgage, soon after originating on XX/XX/XXXX was bought and transferred to US Bank. I was not provided with the details regarding my mortgage in writing : I was informed XX/XX/XXXX over the phone when I called about the mortgage that my first payment was due XX/XX/XXXX, however, since my mortgage was transferred to another lender I had 60 days from the date of transfer to make my first payment. This information was conveyed to me in a very confusion fashion. I have come to understand that my first payment was due on XX/XX/XXXX, however, I have 60 days after the transfer before this late payment/non payment is reported to the credit reporting agencies. I did not understand what the agent was saying, as this was explained in a very convoluted manner and I had no details of this loan to review. On my own initiative I called XX/XX/XXXX to understand, again, when the first payment was due. I received notice that it was due then. I immediately paid the mortgage payment, and I am now XXXX payment ahead of what is required. The mortgage company informed me that they have not reported me to the credit reporting agencies, however, I now learned that they are considering me LATE for purposes of removing my XXXX. I have invested over XXXX in my house in effort to have the XXXX removed, and the mortgage company is informing me that I was late. I was given misinformation, and the calls make this clear. I had none of this information in writing, and they are still investigating it. US Bank should treat customers better than this. I have a credit score in the high XXXX XXXX. I pay all bills on time. This process was confusing, and I was provided with misinformation every step of the way : agents told me I WAS reported to credit reporting agencies, and other agents gave me other misinformation about this loan. This is a problem. I want it resolved with my ability to remove my XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent 4 letters regarding my credit report to each bureau and to the collector themselves. XX/XX/2021 was the last one I sent. I haven't checked my credit in awhile prior and noticed a collections accounts ( XXXX XXXX XXXX XXXX. XXXX XXXX XXXX ) show up on my report. I've called them several times to dispute the wrong information being reported and I either get disconnected or the run around to figure out how this account is on my report. Every time I call in to explain that I've sent in my letters multiple times, the reply is they haven't gotten it. its been about 3 1/2 months since at least ONE response even after calling. I have no clue what else to do and I feel like there won't be a resolution because they keep saying they haven't received anything. This account needs to be removed because I am not liable for this debt nor do I owe anything on these accounts I've never had a contract with. The false information on my report is unfair. Please help me figure this out, I'm out of options and frustrated that its been almost 4 months now. These letters feel useless at this point and I've been spending extra money to have my letters overnight to each credit bureau and the collections agencies themselves. I understand that bureaus and collections agencies can make mistakes but it is very frustrating. I went as far as taking pictures of receipts and letters because they keep saying they haven't received anything. Please help me
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian continues to report an account inaccurately, when XXXX and XXXX reports it as been paid and closed. The account type doesn't match, date opened doesn't match, high credit doesn't match, credit limit does match, payment status doesn't match, last reported doesn't match, date last active doesn't match, date of last payment doesn't match. All of these things should match across all XXXX credit bureas and they do not. 15 U.S.C SECTION 604 A SECTION 2 STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 
15 U.S.C SECTION 604 A STATES I HAVE THE RIGHT TO PRIVACY.
Product: Consumer Loan

GMAC refuses to explain or show that the debt they have been reporting since XX/XX/XXXX is accurate. I have amicably tried to resolve this matter however GMAC has refused to answer any of my questions or show me proof that I owe them any money. They have gone as far as removing my good GMAC accounts from my credit reports and leaving the one trade line which is reporting in error. I have tried the XXXX but they never responded I have tried writing letters certified to their legal counsel in New York to no avail. I want them to remove the negative reporting off my report which is due to come off in XXXX XXXX anyway. Please help, their customer rating and satisfaction rating is very low from the research I have done and this situation is no different. I return the car in good condition on time.
Product: Checking or savings account

On XX/XX/2023, I went to XXXX XXXX at XXXXXXXX XXXX  and bought 3 packs of XXXX XXXX XXXX for XXXX XXXX Leaving me a Balance of XXXX $ in my US Bank Account, which is my rent money and first of the bill money. I drove 2 minutes back home and smoked a cigarette with my wife and we went to sleep. I woke up at XXXX to get and go to the XXXX XXXX and on my way there I stopped at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the XXXX XXXX XXXX XXXX XXXX XXXX Which my US Bank Debit Card was denied at the gas pump and inside at the register. So I used my XXXX XXXX XXXX  XXXX XXXX and drove to the XXXX XXXX XXXX XXXX for work ( XXXX XXXX XXXX XXXX XXXX ) I then logged in to my US Bank app and noticed that there were these unauthorized charges and that US Bank had deactivated my Debit card due to suspicious activity. ( Anytime I make a purchase I get a banner from the bank that i made a purchase, the amount and the location I did not receive these notifications on my phone for these three transactions that alerted the fraud department to lock the account. ) I then called US Bank phone number and it sent me directly to the fraud department. The three unauthorized purchases were XXXX XXXX XXXX XXXX transactions and XXXX at a XXXX XXXX don't even shop at XXXX or buy their gas. I opened a fraud claim with US Bank. These unauthorized transactions were taken place at XXXX, XXXX, and XXXX while I was sleeping. I have spoken to US Bank Fraud Department four times regarding this matter and they have denied the 2 transactions at the XXXX XXXX XXXX ( {$1000.00} and {$840.00} ) and finally after their weeks of investigation tell me to file a police report. This is the first time this has happened on this big of scale. I believe that one of the workers at the XXXX at XXXX XXXX is the thief and where my information was stolen. That was my last place I made a purchase. ( Since then my wife and I do not shop at this XXXX. US Bank Dispute # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this report because today XX/XX/2020 I discovered two accounts on my credit report that do not belong to me. The only reason why I even looked at my credit today is because I was going to ask for a credit line increase for one of my credit cards and I wanted to make sure they would approve the credit increase. The  account names are XXXX XXXX XXXX XXXX XXXX XXXX. I have no relationship, contract or agreement with either of these companies and I did not give them permission to run or access my credit. At this time I don't know who is responsible for these accounts but I have already filed a police report. I did not benefit anything from these accounts such as money, goods, services or any other benefit nor did I ever make any payments towards these accounts. I have filed this report to the best of my knowledge.
Product: Money transfer, virtual currency, or money service

XX/XX/2022 we received a call on our home phone that had a caller ID from Bank of America. The man named XXXX said someone was trying to take money out of our checking account in Fla. He said he needed to verify us, just as Boa does, by sending a 6 digit code to our cell phone number which he had. When he did, we gave him the 6 digit code and he proceeded to put us on hold, using the same music system that BOA does. He proceeded to open a XXXX account, which we never had and transferred {$890.00} from our checking account to the XXXX XXXX. When we went to our local bank the next day, we were told no one had every called us. We started a claim on XXXX, and have not had any success in recuperating our funds. Please help
Product: Credit reporting or other personal consumer reports

On my Experian credit report there is an address associated with me that I have never lived at it. I am in process of leasing a new apartment and I have been denied since my address history information came back with this discrepancy. 

I need this home address to be removed from my Experian report immediately, I have tried to dispute this wrong address online but Experian doesn't allow me to do. 

The address that needs to be removed is XXXX XXXX XXXX XXXX XXXX, XXXX CA XXXX Experian credit report # XXXX. Address ID : XXXX
Product: Credit card

I was charged {$300.00} for a gift card from vendor XXXXXXXX XXXX XXXX XXXX XXXX on XX/XX/year> with no expiration date. The business closed with no explanation or forewarning and won't give any refunds for the gift card. This is fraud and Chase should be able to do a chargeback. I put in a dispute with them on XXXX but they closed it and said that too much time as passed and the merchant is not willing to give a credit. Chase should charge them back either way since they are no longer giving what was promised.
Product: Checking or savings account

I had a savings account with Capital One for 5 years, where instead of raising my interest rate, they created a new account for others that paid nearly 5 % interest and left my account at .30 %. They didn't even bother to let me know that I should convert my old account to the new one, intentionally making sure that I didn't receive the higher interest on my accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022. I mailed a security freeze request form along with a copy of my current Driver License to DataX at the underlying address. 

In response from the company I received a letter stating that a copy of my driver license is required in order to properly proceed. 

I maintain copies of all letters with documentation sent. 

DataX, LTD. 
XXXX XXXX XXXX XXXX, Ga XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX are all fraudulent accounts
Product: Debt or credit management

Hi : I am a client of Level One XXXX XXXX XXXX. I enrolled last fall, on XX/XX/year>, after I called about a pre-approved debt consolidation loan at a low interest rate. I was redirected to Level One Law. The attorney of record is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I have paid XXXX installments of {$1600.00} toward a two-year plan to resolve high credit card debt, totaling {$9800.00}. XXXX XXXX has taken no action to settle any debt on my behalf. 

Upon receipt of an email and reviewing the court orders from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I realized I had been the victim of a scam. 

I then contacted Level One law ( today, XXXX ) through their website and by phone to request a full refund of my money, as they have not provided any services to me and have been ordered to cease work by the court, pending final resolution. They refused. They did offer to refund {$7200.00}. That is {$2600.00} less than they took from my accounts. As they have not performed any work on my behalf, I requested a full refund. They refused again. I also attempted to contact XXXX XXXX XXXX, but they have not answered or responded to my inquiries. I tried to contact XXXX XXXX, the entity that took and presumably still has my money, but they have not responded. I have tried to reach the court-appointed receiver, XXXX XXXX, XXXX regulatory resolutions without a reply yet. 

The court order indicates that XXXX XXXX was ordered to stop taking funds from clients who were not yet actively settling any debtthat is my category. They did not tell me, and they took my funds for XXXX months after the XXXX XXXX XXXX XXXX. 

That appears to be in defiance of the court and the law. 

I want my money back. 

Thank you. 

XXXX
Product: Debt collection

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights. According to the FCRA Law 605 B they have no consent to report anything on credit without my validation and signature.
Product: Credit reporting or other personal consumer reports

I had an account with discover for about XXXX years and I closed it off on XXXX XX/XX/2024. While closing the account, I had XXXX $ that I paid and requested them to close my account. They said they will and deleted the app and thought it was done and dusted. I am not from the XXXX and I do not know all the laws. After XXXX months they call me and said they've tried contacting me over email and mail, and I owe them XXXX XXXX Now, the email they contacted is not something I use, I only used to check the discover app while I had it but I deleted after closing the account and I also moved apartments on XX/XX/2024. 

I paid them XXXX $ immediately and closed the matter. Cut to now, I am trying to buy a car and checked my fico score has dropped XXXX points ( XXXX to XXXX ) from last XXXX to now. Again, I am not used to checking my fico score, I'm not from this country. I called credit bureau to ask what happened to my fico score, they said discover reported it over the XXXX XXXX 

Now, I called discover, and asked them to check my payment history -- - I have never missed a payment or paid late and this XXXX $ is not something I would not have paid had it appeared on my statement while I was closing the account in XXXX. They could have called me soon too -- I could have paid earlier in that case. But I had no idea about this XXXX XXXX 

The XXXX discover ladies working in their credit report unit kept telling me they can not do anything about this because they need to send accurate report to the federal govt and if I have a problem I can start a dispute. So I started a dispute and also letting you all know. 

I am not from this country and you can all check my payment history. I would not steal someone's XXXX XXXX But I do not deserve to pay extra on EMI because my credit score dropped as a result of misunderstanding. Is there any way you can help me remove the negative scores on my credit report so that my credit score goes back to normal? Thanks!