23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

ROBINHOOD trading platform has had my account in " restricted '' status for a month without cause. I used their " instant deposit '' feature and have emailed them through their website about this several times. Each time, I got a boilerplate, AI response that failed to address the issue. As a result, I have ( 1 ) incurred debt ( 2 ) been unable to pay bills and ( 3 ) now can not pay my tuition.

This company uses its " instant deposit '' scam to hold customer funds for long periods of time. Despite the fact that I have a Robinhood debit card with an ACH and account number ( through XXXX XXXX ) 1. RH does not permit inbound wires 2. RH does not have a way to make debit card purchases 3. RH does not have customer service via telephone 4. RH benefits by pooling funds and holding them in violation of the Electronic Funds Transfer Act
Product: Credit card or prepaid card

On XX/XX/2021, i made an online purchase from a store called XXXX for products for my business for the amount of {$60.00}, after checking out i received no notification on when i'd receive those items, so i went back to the website and tried to contact the seller, through its Contact Us page, but the email is not in text form .... its a photo picture of the email, so i emailed them ... ..then i XXXX that email and thousands of reviews said the website is a scam and set up to look legitimate and its fake, so i logged into XXXX to make a complaint and XXXX  denied my claim. 

So on XX/XX/XXXX i immediately contacted Chase credit card services to put them on notice, that i unknowingly made a purchase on a scam website and to stop payment, they refused and told me to wait 7 days, so i agreed, then i called back after the 7 days and was told by a supervisor named XXXX on XX/XX/XXXX that i needed to wait 45 days to give the seller an opportunity to deliver. 

I feel i'm being discriminated against because of i'm a XXXX male its my race and gender, and if i were a white male or female with a different type of chase credit card, i would have received a refund back to my account much sooner.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the FCRA and CFPB new law Starting in 2023, medical collections tradelines less than {$500.00} will no longer be reported on consumer credit reports.

Also this medical debt Violates The No Surpise act was i ever notified of this account being reported on my account. 

As you can see XXXX and XXXX already Deleted XXXX from there Credit reporting Agency.
Product: Credit card or prepaid card

MyPrepaidCenter.com card states that funds do not expire, but the valid thru date has expired. The companys phone number and website do not give option for replacing the card or closing the account and receiving balance through the mail. There is no option to speak to someone directly. I have tried to use the card for online purchases previously and it was denied. This company ( I have a current balance of {$180.00}. This card originally was a {$200.00} card, so I have somehow been losing money without being able to access the balance.
Product: Credit reporting or other personal consumer reports

Re : You are in violation under 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated Credit Information and 15 U.S Code 1681e ( b ) Compliance procedures maximum possible accuracy.

To Experian Recently I did an investigation on my credit report which caused my XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure was reporting 100 % correct. Under U.S Code 1681e ( b ) ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I Know that Under 15 U.U Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within XXXX days after your investigation, you must remove the accounts and or the information listed below. Thanks for your help with this matter 1. 15 U.S. Code 1643 ( b ) Burden of proof Liability of holder of credit card XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
2. Under 15 USC 1666B this is a billing error always payee as agreed on time this is an error this account in violation XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
3. Under 15 USC 1666B this is a billing error always payee as agreed on time this is an error this account in violation XXXX XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
4. Under 15 USC 1666B this is a billing error always payee as agreed on time this is an error this account in violation XXXX XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
5. Under 15 USC 1666B this is a billing error always payee as agreed on time this is an error this account in violation XXXX XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
6. Under 15 USC 1666B this is a billing error always payee as agreed on time this is an error this account in violation XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
7. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX BXXXX XXXX XXXX, VA XXXX XX/XX/2019 Sincerely, XXXX XXXX XXXX
Product: Student loan

extra payments of {$100.00} I made from XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  were originally applied where I paid them, as principal only payments, then were retroactively taken from where I paid them and put on other loans. I called to have them fix this. They said they did. Now XXXX has no information about my loans and AidVantage says they have no info either. I think the 7 extra payments I made between those 18 months was illegally taken and put on outstanding interest in order to increase the profits of XXXX before they transferred my loan and deleted all information about the account. This happened on XX/XX/XXXX and my payment history shows that these payments were originally accepted for a different date. They didn't send any information to Aidvantage either. So now no one has any record of my account. All digital receipts were deleted by XXXX
Product: Checking or savings account

I made a deposit with XXXX XXXX on XX/XX/XXXX for {$100.00}. The money was never deposited into my XXXX XXXX account. When I discovered this I contacted XXXX XXXX and was told that the intermediary TeleCheck had my money and I would need to contact them for a refund. 

I contacted Telecheck in early XX/XX/XXXX via phone at XXXX and described the issue. They assured me they would refund my money within 30 days. I was given case ID XXXX XXXX 

I still haven't received my refund and called again today and was told this was escalated to a " higher department '' but it would AGAIN be 30 days before I can expect a refund. My new case ID XXXX is XXXX and I spoke to a supervisor with ID XXXX XXXX 

This is unacceptable. How many other folks are they illegally holding money for -- that forget about it or just give up. These folks are not pleasant to deal with and I have been patient to get my refund and I am sick of wasting my time following up with TeleCheck.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 




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

Credit reporting agency did not complete a thoughtful and fair investigation of an error I disputed in the past regarding account ending XXXX with XXXX XXXX XXXX XXXX XXXX. 

The credit reporting agency verified this account is reporting accurately. 

I would like it to be known that the credit reporting agency has verified a charge off account is also reporting available credit. 

How is it reasonable and possible for a charged off account is listed as a charge pff and have available credit????? 

I request this account is deleted immediately. 

I also have proof Equifax and XXXX are NOT METRO 2 compliant in reporting this account.
Product: Debt collection

I am writing to demand for the immediate removal of fraudulent accounts from my credit report. Despite multiple escalations, the persistence of these fraudulent entries is causing significant distress. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, and fraudulent accounts have been opened in my name without my knowledge or authorization. These accounts have been reported to Equifax, negatively impacting my credit profile. 

The fraudulent accounts include : XXXX ( Credit Account ) Opened on XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX  ( Auto Loan Account ) Opened on XX/XX/XXXX, Balance : {$36000.00} XXXX XXXX ( Credit Card Account ) Opened on XX/XX/XXXX, Balance : {$730.00} XXXX ( Credit Account ) Opened on XX/XX/XXXX, Balance : {$1500.00} I did not authorize these accounts, and they are the result of identity theft. I have already taken the necessary steps to dispute these fraudulent accounts, including : Filing an FTC Identity Theft Report Notifying Equifax in writing Submitting a dispute with supporting documents ( including my government-issued ID, proof of address, and identity theft affidavit ) Despite my formal disputes, Equifax has failed to remove these fraudulent accounts from my credit report, violating my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).
Product: Debt collection

Contacted the company about this account and their main headquarters wrote me back a letter telling me after looking up the account, they could not locate it on file. I am attaching that letter written directly by them. Since they could not locate the account, I demand this account be removed immediately from all credit reporting agencies as this account is causing harm against my name by reporting negative on record. 

this was noted in their response they sent me " Based on the information provided in the complaints, we were unable to locate the corresponding accounts. '' with that information alone, this account should be deleted now.
Product: Debt collection

In XXXX my previous XXXX  account was paid in full without my authorization in the amount of {$1800.00} which were my school funds that I needed at the time to survive as a student. I spent unnecessary time filing various disputes and both times they where removed from my credit report and came back with a higher balance than before. The amount went up to {$1900.00}. This account has been sold to I.C. System, INC which was removed from my credit and then it was put back on my credit with XXXX XXXX  which was removed again and then was sold again to I.C. System, INC with the higher amount of {$1900.00}. This happened to me during the global pandemic and this is still on my credit profile as a collection with a status of- Seriously past due date assigned to attorney, collection agency, or credit grantor 's internal collection department. 
I have attached ; -my XXXX bank statement that shows the unauthorized payment taken out via XXXX, - XXXX dispute letter verifying this account
Product: Payday loan, title loan, or personal loan

Wilshire Consumer Credit fraudulently placed me into a car title loan contract on XX/XX/2022. Although they are licensed to do business in Ohio, they failed to abide by the Ohio Revised code Section XXXX that prohibits licensee from accepting title or registration of a vehicle as security for the obligation. Also, according to the Ohio Revised code Section XXXX, the loan must not be more than {$1000.00} and extend the maximum of one year. I was not aware of this until after the false contract was completed. Since then they have placed the account on my credit report which goes against the consumer reporting laws and my consumer rights to privacy. This, in turn, has made it hard for me to obtain any credit going forward. I will be submitting a complaint to the Ohio Attorney General as well as the FTC regarding this matter. I want the account removed from my credit report and any money/interest paid to the company on behalf of my signature to be returned to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint Regarding Unrecognized Hard Inquiries and Identity Theft To Whom It May Concern, I am filing this complaint with the Consumer Financial Protection Bureau to report a concerning issue on my credit report related to unrecognized hard inquiries. Additionally, I have reason to believe that these inquiries may be the result of identity theft. I have attached the supporting document outlining my identity theft claim for your reference. 

The unauthorized hard inquiries listed on my credit report, which I believe to be a consequence of identity theft, are as follows : 1.XXXX XXXX XX/XX/XXXX 2.XXXX XXXX XX/XX/XXXX 3.XXXX XXXX XXXX XXXX XX/XX/XXXX 4.XXXX XXXX XX/XX/XXXX 5.XXXX XXXX XXXX XX/XX/XXXX 6.XXXX XXXX XX/XX/XXXX 7.XXXX XXXX XXXX XX/XX/XXXX 8.XXXX XXXX XX/XX/XXXX 9.XXXX  XXXX XXXX XX/XX/XXXX 10.XXXX  XX/XX/XXXX I have taken immediate action by reporting the identity theft to the relevant authorities . However, it is alarming to find these unauthorized hard inquiries on my credit report, as they suggest potential fraudulent activity that may adversely affect my financial well-being. 

I kindly request that the Consumer Financial Protection Bureau conducts a thorough investigation into these unrecognized hard inquiries. I urge you to consider the impact of these inquiries on my creditworthiness and overall financial standing. I trust that the CFPB will exercise its authority to ensure that my consumer rights are protected under the Fair Credit Reporting Act ( FCRA ) and take appropriate measures to rectify this matter promptly. 

I kindly request that you provide a written response acknowledging receipt of this complaint and detailing the steps that will be taken to investigate and resolve the issue. I kindly ask to be kept informed of the progress and outcomes of the investigation within a reasonable timeframe. 

Thank you for your attention to this matter and for your assistance in resolving this issue. I trust that the Consumer Financial Protection Bureau will act diligently and with utmost care to address this complaint.
Product: Checking or savings account

I was suppose to receive a {$500.00} bonus after enrolling for a checking account and meeting the requirements. I enrolled in the account online through a publicly advertised link/promotion page from Bank of America XXXX The advertisement did not state that a promotion code was necessary anywhere in the terms. However when I called customer service they stated that a promotion code was not attached to my account and therefor were not able to honor the promotion. I explained that this must have been an error on there end because I used the link on the promotion page. I also stated that the promotion page does not state a code is required to receive the bonus. I even asked them to look up the promotion URL but they said nothing came up when they typed it in. I went to a branch and showed the promotion to a banker. They said that someone at bank of America would reach out to me regarding the problem within the next 3 days but no one has. Apparently I am not the only one that has had issues with this promotion as someone else said the bank did not give him his bonus on a thread a follow.
Product: Money transfer, virtual currency, or money service

Was not properly disclosed or safe guarded when using the Zelle app.
Product: Credit reporting, credit repair services, or other personal consumer reports

ITS BEEN WELL OVER 30 DAYS AND I HAVENT RECEIVED ANY INFORMATION FROM TRANSUNION REGARDING XXXX XXXX AND ITS INACCRATE INFORMATION SENT ON XX/XX/2021.
Product: Credit reporting or other personal consumer reports

I have requested information from the creditor of XXXX XXXX XXXX. They have sent me a letter which I will attach. The information on the letter did not match the account information on my credit report. I have submitted a dispute with the credit bureau with the appropriate documentation to have this item removed from my credit file. This bureau then sent me an email with a statement from the Fair Credit Reporting Act stating that they could not follow up with my dispute because I had not given them a reason. So I added another document to the file under the Fair Credit Reporting Act stating that inaccurate reporting must be removed. Knowing that an account is being reported inaccurately but not doing the requirements to resolve this issue is a violation. They seem to try to follow the Fair Credit Reporting Act when it seems convenient for them, but neglect to follow the law when it comes to the consumer. After I had provided the information that they were seeking, they " resolved '' my disputed item as updated XXXX hours later, but nothing has been changed. This was in the email they sent me : XXXX XXXX XXXX, Pursuant to Section 611 ( a ) ( XXXX ) ( A ) of the Fair Credit Reporting Act, we were unable to honor your request or a portion of it based on the limited amount of information regarding your dispute. If you believe that an item on your personal credit report is inaccurate or incomplete, please provide specific information. Be sure to indicate the specific item you are disputing and explain why you believe the information is inaccurate, for example : " not mine, '' " paid in full, '' " never late, '' " included in bankruptcy, '' incorrect name, etc.
Product: Credit card or prepaid card

On XXXX XXXX, 2023, I had a credit balance of {$1200.00} on my US Bank Credit Card ending in XXXX. On that same day, I requested US Bank to send me a check for the balance. 

On XXXX XXXX, 2023, I called US Bank customer service that I still had not received my check. They told me to wait 2 whole weeks for the check. 

Today is currently XXXX XXXX, 2023, two whole weeks since I requested the check and I still have not received it yet.
Product: Debt collection

Midwest Recovery has called from several different numbers using an automated system. The number is never the same and is from different area codes.
Product: Debt collection

Harassment, including multiple calls daily and evenings for months by this predatory collection agency ( note : I have no debt whatever as confirmed by my credit monitoring agency ) seeking to acquire personal information. Company is XXXX XXXXXXXXTransworld Systems Collection Agency at XXXX. They violate no call list instructions and are widely known to be fraudulent and abusive. I am not interested in your sending them comments or notifying them of anything. They are aware of their illegal activities and do not care. Action needs to be taken to investigate their illicit actions and close them down.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not have any account with this company, I have asked that it be removed and its still present 15 U.S. Code 1681i - Procedure in case of disputed accuracy do they have right of assignment? there is no full account number, how is this listed with no account number? whe was last activity of the acount? if this was charged off then there needs to be a cancellation of debt 1099, you can not collect on debt that has been charged off i need accurate data points please remove I have been sick with covid for a year and alot of abuse was done to my credit15 U.S. Code 1681i - Procedure in case of disputed accuracy you can not charge off a card and still report it as over the limit, do you see the problem with this account? 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Experian Last Updated XXXX, XXXX XXXX XXXX  Payment Status Charged off as bad debt Unpaid balance reported as a loss by credit grantor Worst Delinquency None Reported Charge Off/Other Derog Balance {$5400.00} {$5400.00} Credit Limit {$5000.00} {$5000.00} Credit Utilization 110 % 110 % Terms Revolving Scheduled Payment High Balance {$5400.00} Loan Type Credit Card Credit Card Responsibility Individual Account Individual Company Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Comments Account information disputed by consumer Account Information Disputed By Consumer
Product: Payday loan, title loan, or personal loan

On XX/XX/2021, Navy Federal Credit Union failed to reverse my loan payment in the amount of {$280.00}, and stole the money out of my account without my authorization. I spoke to XXXX from XXXX and she refused to return my money. She then told me to hold on and will get a supervisor to talk to me about the issue. 
XXXX was a nasty supervisor who refused to reverse my money that Navy Federal Credit Union stole and instead hung up on me. I told her that I only had {$42.00} in my account and she didn't care. She said, that my loan was delinquent which was 1 day late. I didn't set up any activity to pay the loan and did not authorized Navy Federal Credit Union to deduct my money from XXXX XXXX XXXX. I will remove my XXXX XXXX XXXX checking account from XXXX XXXX XXXX. 
Prior to that, XXXX told me to write a letter requesting that my money be refunded. 
Navy Federal Credit Union has nasty employees and Supervisors like XXXX. I am a XXXX veteran and never been treated like that. 
In addition, I called and spoke to XXXX of the customer representation to pay the amount of {$83.00} towards that loan only.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is regarding the IRS and Equifax and the fact that a no-bid contract was awarded to Equifax by the IRS to perform fraud-prevention services, essentially rewarding Equifax despite their recent and highly public display of gross negligence in protecting consumer data. XXXX and XXXX both offer fraud-prevention services ; Equifax should have been eliminated from consideration. There is no platform for American consumers to voice their outrage over this contract being awarded to Equifax. 

It is my hope that as an honorable, independent institution, the CFPB can and will address this outrage and demand that the contract with Equifax be voided, on behalf of powerless consumers across the United States. 
Thank you.
Product: Vehicle loan or lease

I purchased the vehicle and the vehicle was unsafe and could not past state inspection and I returned the vehicle to the dealer and now the credit acceptance and the vehicle did not match the loan amount at all