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

This is XXXX XXXX XXXX, who is submitting this XXXX  complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX  XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are reporting on my Credit Reports and need to delete immediately : Wrong Address : XXXX XXXX XXXX XXXX XXXX, GA XXXX Employer : XXXX XXXX Date Updated : XX/XX/2020 XXXX XXXXDate Updated : XX/XX/2020
Product: Debt collection

I have asked this company several times not to call my job and they continue to. They called from XXXX on XX/XX/2017 @ XXXX, XX/XX/XXXX from XXXX @ XXXX, XX/XX/XXXX from XXXX @ XXXX and XX/XX/XXXX from XXXX@XXXX They continue to call my job daily. If they do not stop I will file a lawsuit for harrassment against them.
Product: Credit reporting or other personal consumer reports

This letter is a formal complaint that you have ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Under federal law, you had thirty ( 30 ) days to complete your investigation from the date you received my dispute. 
Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 
Here is a list of items that were sent in my initial dispute letter that now must be deleted from your database. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The information must be deleted from my report as soon as possible. Not only did you not respond in a timely matter, but the information was inaccurate and misleading and as such represents a very serious error in your reporting. 
Once again! Under federal law, you had thirty ( 30 ) days to complete your investigation from the date you received my dispute. Please send your written response to my address above.
Product: Money transfer, virtual currency, or money service

I have opened an account with Robinhood to buy XXXX, with the goal to then transfer out to my cold storage device for better protectinon. Soon after buying XXXX XXXX Robinhood decided to " restrict '' my account- now I can't withdraw, trade or do anything with my funds on the app. 

Contacting support is impossible - I requested to chat multiple times, and the app shows " wait until the agent connects '', but the agent NEVER connects. 

There's a button on the app " Request a callback '' - but it DOES NOT work. You can't press the button. 

Robinhood sends me emails and notifications about them trying to call me- but I have received NO CALLS from Robinhood.

It is impossible to reach them over chat, over the phone or anything else. I'm beyond frustrated and I want this problem solved and my account unlocked. It's been months. 

This is the worst experience with financial institutions ever. I'm a regular crypto buyer, and I have never had problem with any other platforms, such as Coinbase for example.
Product: Debt collection

I Have several times disputed this account because I received a notice that I have a collection from SPRING OAKS CAPITAL LLC on my credit report. I never went into business with this company or signed any agreements with them so they should not be reporting anything on my credit. This is a violation of my rights as a consumer according to the FCRA. I would like for this collection to be removed immediately.
Product: Credit reporting or other personal consumer reports

In accordance with the credit reporting act XXXX XXXX XXXX Account # XXXX has violated my rights. 

In accordance with the credit reporting act XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2, also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed with this company-Midland Credit Management and to no avail. Their response was, " the consumer disputes this account information '', without giving any response as to how they obtained my personal information. This company has been erroneously reporting my credit file for 3 yrs and 4 months, alleging that there's 2 debts owed. With the help of the credit bureaus, I have obtained past and current reports that indicate changed information and incomplete information for alleged debts. I have also obtained phone records where this company has called me several times and hung up. This is considered harassment and as advised by the FDCPA is a violation to my consumer rights, also still alleging that debts are owed that has passed the statue of limitations without providing proof after disputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Experian continue to delay their investigations into my credit file. I have sent letters via certified mail ( through online certified mail ) with copies of my passport, driver 's license, social security card XXXX XXXX XXXX to confirm my identity and they continue to send me canned letters stating they do not believe I am the one requesting the investigation. This delays the investigation and takes the investigation beyond 60 days.
Product: Checking or savings account

On XX/XX/XXXX I had {$450.00} stole from my account from fraud they refused to resolve this issue and only communicated through automated email I told them I was going to report them and I got an email my account was going to be closed on XX/XX/XXXX I called that day and they said it was probably a scam and nothing on my account said it would be closed. Now today on XX/XX/XXXX they closed my account and did not give me a reason why it was closed or an explanation.
Product: Debt collection

In collections, shows {$0.00} balance. Debt has been paid.
Product: Student loan

Tried to call regarding my payments and loan forgiveness, no one picks up
Product: Debt collection

15 USC code 6802 15 USC 1681 B 18 USC 1028 A I XXXX XXXX, a consumer, am notifying you that you provide me verification of this alleged debt. Verification consists of a formal declaration in where you swear to the truths of the statements of the facts of the matter, have first hand knowledge and must be notarized.

Since this debt is disputed pursant to the Fair Debt Collection Practices act you are required to cease all collection of this alleged debt which includes reporting to my consumer report with XXXXXXXX XXXX XXXX XXXX. 

I herby inform you that you do not have my consent to communicate with me through any medium. 
Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity theft. I also did not consent to you reporting information in my name to the consumer reporting agencies.
Product: Checking or savings account

U.S. Bank Gold Checking account opened on XX/XX/XXXX with the condition that 2 bill pays were completed to receive a {$200.00} account bonus. Bill pays were completed on XX/XX/XXXX. I contacted U.S. Bank on XX/XX/XXXX and XX/XX/XXXX and was informed by 2 different representatives that the promotion was linked to my account and the requirements were met. I was informed that the bonus would be deposited by XX/XX/XXXX. The bonus has not been received.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow-up time to complain about being a victim of identity theft. You must remove/block any items that were 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 XXXX, CA XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX reported my payments history an Equifax still refusing to provide me a credit score went from XXXX to XXXX an it's wasn't my fault do they incorrect information in they system now they refusing to add self credit builder to my account when they mail them statements XXXX an XXXX credit report already up dated they system Equifax drop my credit score after the removed refused to add my account on my report giving me problem
Product: Student loan

I received an interest charged statement for the tax year XXXX. My student loans have been at 0 % since XXXX. I was surprised by this and contacted EdFinancial asking why I had been charged interest. They responded by explaining how interests works. I then pointed out that my loans are at 0 % right now and requested a statement showing what I was charged. They responded with an explanation of how interest is charged including the formula for how to calculate interest. I looked at the payments I have made and found that the entire amounts have been applied to interest and my balances remain the same. I asked for an accounting again and they responded with the formula for how interest is accrued and an explanation of how interest is applied to loans.
Product: Vehicle loan or lease

On XX/XX/XXXX I made two loan payments of XXXX ( by accident ) instead of applying the extra payment to my principle balance they carried it over every month so I have been paying a month in advance for 2 years. That's two years I have been paying more interest on my loan because the extra payment was just carried over. In late XXXX of XXXX I noticed that the {$390.00} was no longer being carried over, so I called Berkshire Banks customer service line and asked to speak to someone in the loan department. XXXX XXXX returned my call and informed me that XXXX was the last month they where carrying balances over and that they where applying any over payments to the balance. ( Which that is the way it should of been all along ). So I asked XXXX where the XXXX credit that I was carrying over was, he stated that they applied my XXXX payment to the principle balance because I didn't owe any money for XXXX. So I asked him when was the credit I was carry over applied to my principle balance. And he stated it was applied in XXXX. I asked XXXX  to send me confirmation of that. He sent me two print outs. 1 showing that since XX/XX/XXXX I was always paying a month in advance. ( from the extra payment I made in XX/XX/XXXX } I have never missed a payment. The other was a break down of my payments since XX/XX/XXXX- XX/XX/XXXX. Which looks like this Date Pd Amount Paid XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX On XX/XX/XXXX I spoke with XXXX XXXX and she states I am up to date and that I am no longer running a credit balance. So I no longer have a credit of $ XXXX ( XXXX overpayment from XX/XX/XXXX + a few dollars here and there that I paid extra a few times ) Yet my principle balance has not decreased by anything besides my monthly payments. Where is my XXXX?
Product: Debt or credit management

I began utilizing ASAP Credit Repair 's services on XX/XX/year>. On XX/XX/year>, I received an email indicating that my disputes had been submitted to the three major credit bureaus, along with a list of the creditors that were being disputed. Unfortunately, after this communication, I did not hear from the company for two weeks. My attempts to contact my account manager didn't seem to work. 

On XX/XX/year>, I expressed my concerns in an email with a letter of concern attached to ASAP Credit Repair, asking for someone to contact me as my account manager had been unresponsive for an extended period. The manager replied, promising that my concerns would be addressed and that such a lack of communication would not happen again. 

Following this, I requested a copy of the letters that had been sent to the credit bureaus. I felt this was important for my records and to ensure that the services I am paying for are being carried out properly. However, the owner refused to provide me with copies of these letters, despite my insistence that I am entitled to this information. 

I am extremely concerned about the lack of communication and transparency from ASAP Credit Repair, as well as their refusal to provide me with essential documentation. I kindly request the assistance of the CFPB in addressing this matter and helping to ensure that my rights as a consumer are respected. 

Thank you for your attention to this issue. I look forward to your prompt response.
Product: Credit reporting or other personal consumer reports

I was looking to buy a house and notice I had damages on my report. According to the 15 U.S.C 1681 law there should not be any damnages on your credit report and is a defamation to you character
Product: Credit card or prepaid card

See complaint attached. AMEX told me that I had to call and speak to The XXXX in order to have my APR/Interest rate lowered. I endured having to speak to that thing in mid-XXXX to late XXXX, after numerous attempts trying to get ahold of her for or her back up via phone for over a week. When we finally spoke on the phone, she talked over me and wouldn't let me get a word in. However, she did say she would apply the lower APR/interest rate to my account. She did not apply the lower interest rate to my account - which she claimed she would if I called and wasted my life talking to her via phone. This is contrary to what AMEX represented in their answer to my previous CFPB complaint. 
When I checked my account today, my APR/Interest rate was still over 24 %, and not the lower APR of 14 % I was promised if I called. 

I'm not calling again.
Product: Debt collection

On XX/XX/2019 a letter was mailed to me by Enhanced Recovery Company. I received this letter approximately on the XXXX of XXXX. This debt that they are trying to collect is from XXXX for the amount of {$690.00}. The origin date of the account is not listed on my credit report, the date field is blank displaying -- / -- and only displays a XX/XX/2019 date. This is not a current debt of mine and the dates are completely false. The day I received the letter I also received notifications from the credit bureaus saying that a new collection account was added and my score plummeted. I immediately disputed this with the bureaus. They have illegally reported this to my credit report prior to the 30 days that I legally have to dispute this. I have received no validation from this company with any dates and they have tarnished my credit. Everywhere I have read is that this company, as early as a year ago, was not able to report to the bureaus because of previous instances. I would assume it was something along the lines that they are trying to do me. I feel that this is a direct violation of the FCRA and stated in their letter I have 30 days to dispute this which I have and they are still reporting to the bureaus.
Product: Checking or savings account

I have had my chase checking account for over 5 years with no issue. Out of quite literally nowhere, I was informed the day of that my checking account was closing due to " protection against fraud '' through an email notification. I reached out and called their fraud protection department as the emailed informed me to do immediately after reading it. To which they informed me that the account would be closing indefinitely, and when I asked for a reason as to why they could not find or at least say it. But when I went into one of their institutions to withdraw my funds from said account, I was met with an exhausting amount of wait time. When I finally managed to sit down with a representative, they called a couple of different numbers, then told me they wouldn't release my funds to me, regardless of whether I had my identification and bank card present or not, which I did have both present at the time and indeed showed the representative who verified my identity. And they told me they had already sent out a check, but when I called to attempt to get an update on the status of the check, I'd been informed that my account wasn't even closed as of yet and that it would be closing on the XXXX of XXXX, and the check would be sent out on the XXXX. If that were the case, why was I not able to withdraw my funds if my account was supposedly already closed when I'd arrived at a chase bank? The entire situation has been extremely inconvenient on top of being quite frustrating to deal with so suddenly, especially with having to deal with taking care of important upcoming bills without the funds I had in the before mentioned account, as well as not being given any explanation of why it was closing at that.
Product: Credit reporting or other personal consumer reports

" I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : XXXX XXXX XXXX XXXX  Requested On XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX Requested On XX/XX/XXXX, XX/XX/XXXX, XXXX Requested On XXXX, XXXX XXXX XXXX, XXXX Requested XXXX XX/XX/XXXX XXXX XXXX XXXX Requested On XX/XX/XXXX, XXXX XXXX Requested On XX/XX/XXXX, XXXX XXXX XXXX  Requested On XX/XX/XXXXXXXX XXXX XXXX Requested On XX/XX/XXXX, XXXX XXXX XXXX, XXXX Requested XXXX XX/XX/XXXX, XXXX XXXX XXXX Requested On XX/XX/XXXX, XXXX Requested On XX/XX/XXXX.
Product: Checking or savings account

The issue appears consistent with recent findings by the CFPB, which identified similar practices by Navy Federal Credit Union, where transactions settled with insufficient balances despite initially having adequate funds. I believe those practices are deceptive and unfair.
Product: Credit reporting or other personal consumer reports

In accordance with the credit reporting act this creditor has violated my rights. Under 15Usc1681 sec 602 states I have the rights to privacy, 15usc1681 sec 604a sec 2 a consumer reporting agency can not furnish an account without my written instructions. under 15usc1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. 

XXXX XXXXXXXX XXXX XXXX XXXX  XXXX : XXXX 30 days late XXXX date : unknown used card once 30 days late XXXX XXXX XXXX : XX/XX/XXXX 30 days late
Product: Checking or savings account

On the morning of XX/XX/2023 I noticed that my bank cards and both my cell phones were stolen by someone that I know. I was able to get online just before noon to disable transactions on my cards and report my cards stolen. By the time I did that, the thief had made 3 atm withdrawals for {$200.00} ( XXXX ), {$1000.00} ( XXXX ), and {$500.00} ( XXXX ). They also loaded {$25.00} onto their XXXX XXXX at XXXX. All the transactions happened within about a thirty minute window that morning of the XXXX. I filed a police report and tried to dispute the charges that day. Chime said I had to wait for the transactions to move from a pending state to completed. I then disputed the transactions but at the time I didnt notice the initial {$200.00} atm withdrawal they did at XXXX. Chime came back and said there was no error several times. They knew my pin because they likely watched me punch it in at an atm before without me knowing. They even knew my cell phone pin likely the same way. 

Chime said they couldnt add the {$200.00} atm withdrawal to my existing dispute even though it happened during the same incident. So I opened up another dispute for just the {$200.00} Chime came back after my complaint to CFPB about them and credited my account with the {$1000.00}, {$500.00}, {$25.00} But now theyre denying the dispute of the {$200.00} withdrawal. This is absolutely unacceptable. Is someone actually working the disputes. It seems like a canned auto-response. Denial because theyve checked their systems and no errors were found. Seriously come on.
Product: Debt collection

Someone from  CBE Group  keeps calling from  XXXX  STATING THAT THEY ARE TRYING TO COLLECT A DEBT. The robo call does not state who they are calling meaning a name.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Account Number : XXXX In accordance with the Fair Credit Reporting Act XXXX, Account Number : XXXX, has violated my rights to Privacy and Furnish a Account WITHOUT written consent. 

[ 15 U.S.C. 1681 ] 602. Congressional findings and statement of purpose ( I have a Right to Privacy ) ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. 
[ 15 U.S.C. 1681b ] 604. Permissible purposes of consumer reports ( A Consumer Reporting Agency CAN NOT FURNISH a account with my written instructions ) ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.

( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

They have the account listed as a joint account and I did not give permission for that joint account to be opened.
Product: Debt collection

This creditor has been on my credit report for years. I have previously asked for validation of the medical debt and they have failed time and time again. The most recent request was on XX/XX/2023. Also, they have placed a new medical debt of {$150.00} on my credit and under current laws that is illegal. I have even tried to to simply pay {$400.00} to get rid of this debt so i can proceed with buying a house and they wont allow me to. Now, XXXX was this validated within a timely manner so i can buy a house.
Product: Credit reporting, credit repair services, or other personal consumer reports

Previous disputes with CFPB against Equifax where I supplied ALL the documentations they requested regarding an inquiry that was fraud on my credit file. Equifax response According to CFPB complaint # XXXX and complaint # XXXX NON REPORTING DISPUTES Inquiry : XXXX EMPLOYEES FEDERAL CREDIT XXXX XXXX XXXX XXXX XXXX NOT CURRENTLY REPORTING ON THE EQUIFAX XXXX FILE. Inquiry : XXXX XXXX THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX XXXX FILE BUT THE XXXX XXXX XXXX XXXX XXXX IS IN FACT STILL REPORTING. I AM GOING TO SUE EQUIFAX. Also the initial investigations TOOK WELL OVER 30 DAYS TO RESOLVE. They'll be hearing from me in court.