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

I have been using Robinhood for almost XXXX years. On XX/XX/XXXX I received an email from Robinhood that my account has been temporary restricted and that Robinhood needed some documents to verify my account. I submitted all requested information and was told that my restriction would be lifted by XX/XX/XXXX. As we approached XX/XX/XXXX it got pushed back to XXXX then to XXXX. I have emailed robinhood support numerous times. I have tried to start a support a chat on the app but it does not let me speak with anyone. It says that i will receive a phone call on XX/XX/XXXX in XXXX minutes. from XXXX. I never received a call. Finally on XX/XX/XXXX i received a phone call from a completely different number. The number that called me was XXXX. I missed this call as this was completely different from the number i was told to look out for. Further in todays cyber age i am very weary of scams so i did not feel comfortable taking a call that was completely different than the explicit number i was given. The voicemail gave me a new number to call back. This number was XXXX. When calling this number back it tells me to enter the case number given to me in the voicemail. There was NO number given to me in voicemail. The phone call eventually hangs up. I have been waiting for a second call back since XX/XX/XXXX. I have not received anything yet. During this entire time i am unable to withdraw my money from my robinhood account or buy or sell any assets. My money is being held XXXX and i have not heard from robinhood once. I do not know why my account was every restricted. There was no fraudulent activity and any pending transfers have long settled from my account. I need to have access to my money.. This is extremely frustrating.
Product: Credit reporting or other personal consumer reports

Hi my name is XXXX XXXX and this is your **final and non-negotiable** demand to **immediately** delete all inaccurate information from my credit report. Your actions are not only a blatant violation of federal law, but they are also an intolerable assault on my rights as a consumer. 

**Pursuant to 15 U.S.C. 1681b**, you are illegally reporting and sharing my personal information without my explicit authorization.

**You do not have my consent, and you have never had my consent** to access or report any information tied to my name. Your unlawful actions are an egregious breach of federal law, and I will no longer tolerate it.Additionally, my credit report contains **unauthorized inquiries** that I did not initiate, which makes me a **victim of identity theft**. 

**Under 18 U.S.C . 8**, I owe **absolutely no debt** to the companies listed. Your failure to delete these inaccuracies immediately will result in **severe legal consequences**. I will **not hesitate** to pursue every available legal avenue to hold you accountable, including but not limited to : 1. Filing formal complaints with the **Federal Trade Commission ( FTC ) ** and the **Consumer Financial Protection Bureau ( CFPB ) **.

2. Initiating civil lawsuits for violations of my rights under the **Fair Credit Reporting Act ( FCRA ) **. 

XXXX. Seeking **statutory and punitive damages** for your gross negligence and failure to comply with federal law. 

You are hereby notified that you have **no further opportunity** to delay or ignore this matter. I **demand** that all incorrect entries and unauthorized inquiries be deleted **immediately** and **permanently**. This is your **final warning**, and I expect **written confirmation** of the deletions without delay.If I do not receive confirmation of the deletions within the next 10 business days, I will proceed with full legal action, which will result in **significant consequences** for your continued disregard of federal law.
Product: Debt collection

I have recently discovered through my monitoring service that I am a victim of Identity theft. I have noticed over the past few months accounts not belonging to me being reported to my file. I have reported fruadulant account reported as CLARK COUNTY COLLECTIONS ( XXXX XXXX XXXX XXXX ) for the amount of {$2100.00} I have tried to reach out to this company in efforts to resolve this matter and remove this from my file previously although nothing has been done to resolve this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently checked all XXXX credit reports, to my suprise i had a lot of personal information being reported that was not mine and many creditors reporting debts that are not mine. Since then i have filed disputes but do not believe that TransUnion has completed a proper consumer investigation as described in the Fair Credit Reporting Act 15 US 1681a section 3 ( e ). Its states a consumer investigation involves personal interviews of friends, neighbors, and associates to whom pay have knowledge of the assumed debt being reported. I have personally contacted people i am familiar with and non of them have said they have been contacted of interviewed by TransUnion in regards to these assumed debts. If there has been interviews conducted i want a copy of all reports which should include the people interviewed : Names, phone numbers, addresses, questions asked and responses given and conclusion of each interview.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to XXXX XXXXXXXX XXXX  several times I submitted a police report complaint on identity theft and they still not acknowledging or honoring my complaint
Product: Credit reporting or other personal consumer reports

My information was leaked in XXXX 2017 XXXX XXXX. Upon learning of the breach, I submitted documentation to the agency disputing several accounts. In my request, I asked this reporting agency to look into accounts from XXXX through today, but they have not provided proper evidence of an investigation. I have a credit monitoring account with XXXX, and you can request to dispute inaccurate information through their app. On several occasions, both on the free and paid app I requested disputes and information that never matriculated the information requested. I was seeking proof that these accounts were mine as I did not affix my signature to most accounts on my report. I provided a typed letter with copies of my ID and SS # to all three reporting agencies to look into inquiries that were popping up out of nowhere to accounts, anything and everything that looked suspicious on my report. In addition to this failure to utilize professional objectivity and integrity, I the consumer have had adverse responses due to the negligence of these reporting agencies to secure my consumer information and diligently investigate to the fullest capacity to protect my creditworthiness.
Product: Credit reporting or other personal consumer reports

I filed a dispute with this company about account number XXXX. This is XXXX XXXX. I was recently notified of CFPB filing a lawsuit against Experian for allegedly accepting unreliable information, failure to notify consumers of results. This is the situation I have with Experian. Experian did not try to remove, resolve or correct this information. I am requesting this derogatory information be removed or corrected immediately as it is effecting my chances to purchase a home, car or maintain a better credit score. Experian violates my rights as a consumer, as well as federal laws.
Product: Mortgage

Had mortgage for over 20+ years ... .never paid late ... .always pay extra on prin ... ..now ... .starting getting calls during grace period ( XXXX ) ... .to make my payment because " you are late '' ... ... .what kind of XXXX is this???? 

Not happy!!!
Product: Checking or savings account

I can only go back to XXXX but wellsfargo was charging XXXX charges that I have no idea what it is. I looked it up and has something to do with XXXX XXXX. My account is for XXXX  and I transfer the money to my normal account. I have had overcharges which probably should not have happened if wellsfargo hadnt been charging random fees. I want to know how many other times they took money. In XXXX I went to a bank in Washington state to deposit I believe {$8000.00} it went to another customers account instead of mine. Thankfully they admitted it then and gave it back but this is after they were trying to pressure me into opening some special account. I dont watch this account as I only use to collect XXXX. I want to know many other times they charged these fees. When looking up that charge and showing it had something to do with XXXX XXXX I want to know if my account is part of wellsfargo scandal.
Product: Checking or savings account

I, XXXX XXXX XXXX XXXX, hereby file a formal complaint in good standing faith with the Consumer Financial Protection Bureau regarding the grave incidences of identity theft, forgery, and fraud perpetrated by former employees of my company, XXXX XXXX XXXX and XXXX XXXX XXXX. Their actions, involving the illicit use of my personal information, have resulted in significant financial losses and emotional distress for me. The betrayal of trust by these individuals, who were entrusted with confidential company data, has had detrimental effects on my personal and professional life. 

**Incident Description : ** Numerous attempts have been made to address this identity theft, forgery, and fraud case, but the response from the banking institution has been lacking in fairness and resolution. Upon discovering unauthorized activities on my consumer file disclosure reporting accounts, investigations revealed that XXXX XXXX XXXX and XXXX XXXX XXXX unlawfully accessed my personal information to open fraudulent accounts, including : 1. **Navy Federal Credit Union** - Account Opened : XX/XX/2014 - Account Closed : Upon my request of calling in to shutdown the fraudulent account with undisclosed funds- Total Amount : Unknown - Navy Federal Credit Union XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX Contact Number : ( XXXX ) XXXX The consequences of their malicious actions extend beyond mere financial losses ; they have inflicted profound disruption on both my personal and professional life. The breach of trust by XXXX XXXX XXXX and XXXX XXXX XXXX has shattered my confidence in financial institutions and compromised my fundamental sense of security. 

**Recent Developments : ** While XXXX XXXX XXXX was apprehended by the XXXX XXXX XXXX XXXX XXXXXXXX, resulting in the recovery of some information, XXXX  XXXX XXXX was apprehended last XXXX, and no pertinent information was retrieved. 

**Request for Action : ** I urge the Consumer Financial Protection Bureau to conduct a thorough investigation into this matter and take decisive action against the individuals responsible for perpetrating this egregious identity theft, forgery, and fraud. Additionally, I seek your assistance in rectifying the fraudulent accounts established in my name and implementing stringent measures to prevent the recurrence of such malicious acts. 

Your prompt attention to this matter is sincerely appreciated. I anticipate a swift resolution to restore my financial security and peace of mind. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Someone tried to open a Chase Freedom Credit card using my I formation on XX/XX/2023. The card was declined. I received a notice that my credit was pulled from XXXX  and chase the next day.
Product: Credit card or prepaid card

During the COVID-19 crisis on XX/XX/20, an automatic ACH payment on my Amex Card from XXXX XXXX was showing as pending on my XXXX account. I immediately transferred the money from my XXXX line of credit to my operating account on the same day as the transfer. However, XXXX denied the amex payment and Amex had to represent the aCH payment on the next business day. The payment was then processed on that next business day and Amex immediately got their money. However, Amex is insisting on charging a {$39.00} fee, and made me spend over an hour arguing with it while they repeatedly apologized and passed the buck. At the end of the call though, they still refused to credit me the {$39.00} and just wasted over an hour acting like they might and passing the call to others.
Product: Credit reporting or other personal consumer reports

I would like to file a complaint against XXXX XXXX, Crdit Coll, XXXX XXXX for illegally reporting my information to unaffiliated third parties without providing me with the required disclosures. They are required by law to provide three disclosures, but after checking all documents from there institution, I found none that include these required disclosures pursuant to 15 USC 6802. I am hereby requesting all disclosures required by federal law. Each Letter was initially sent to all companies on XX/XX/year>
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Experian for Failing to Block Fraudulent Items and Violating FCRA Dear Consumer Financial Protection Bureau, I am filing a formal complaint against Experian for their failure to comply with the Fair Credit Reporting Act ( FCRA ), specifically in relation to my rights as a victim of identity theft. Despite multiple attempts to resolve this matter and providing all necessary documentation, Experian has not blocked the fraudulent accounts from my credit report as required by law. 

On XX/XX/year>, I became aware that my identity had been stolen, and fraudulent accounts were opened in my name. I immediately took the appropriate steps to notify Experian of this identity theft and submitted the following documents : XXXX. XXXX FTC XXXX Theft Report** to officially document the fraud. 
XXXX. **A detailed dispute letter** explaining that I did not authorize or open the accounts in question. 
XXXX. **Proof of my identification**, including a copy of my government-issued ID. 
XXXX. **Proof of my address**, such as a recent utility bill. 

In accordance with XXXX XXXX XXXX ( XXXX U.S.C. XXXX ) **, I am entitled to have the fraudulent information resulting from identity theft blocked within XXXX business days of providing proof. Despite sending all required documentation and fulfilling my legal obligations, Experian has failed to block these fraudulent accounts. Instead, they continue to stall and delay, repeatedly requesting the same information that I have already submitted multiple times. 

It has been well beyond the timeframe allowed under the law, and this negligence is severely impacting my credit and financial standing. XXXX refusal to act promptly and correctly is a clear violation of my rights under the FCRA. 

At this point, I am seeking to take legal action against Experian for {$800.00} in damages due to their failure to comply with the FCRA. Their failure to investigate properly and block the fraudulent items is not only unlawful but has caused me undue stress and financial harm. 

I request the CFPBs assistance in holding Experian accountable for their noncompliance and ensuring that the fraudulent accounts are removed from my credit report immediately. Additionally, I would like support in pursuing legal remedies for the damages incurred. 

Thank you for your time and assistance in this serious matter. I look forward to a swift resolution. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Acct # XXXXXXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX Acct # XXXX These accts are paid off. I ask that you removed these accounts immediately feom my report immediately Social security # XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Incorrect account information on Experian. 
XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX -- Incorrect inquiry information on Experian. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX Incorrect personal information on XXXX. 
XXXX XXXX XXXX XXXX  XXXX XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX VA XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX, VA XXXX XX/XX/XXXX
Product: Credit card or prepaid card

My nephew and I dined at XXXX  As with XXXX  the dishes are small like appetizer size We did not order XXXX XXXX ( last item ) The cost is XXXX XXXX plus 7.4 % service and 10.6 % VAT comes out to XXXX XXXX  or approx {$14.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company or a company you represent. I did not open or authorize this account, and I, therefore, request that it be closed immediately. I also request that XXXX XXXX XXXXXXXX absolve me of all charges on the account and that you take all appropriate steps to remove information about this account from my credit files.
Product: Debt collection

First I received a notice in the mail but not until XX/XX/XXXX I moved from there XX/XX/XXXX.I immediately contacted them to dispute that this was mine and they had already sent it to collections and put it on my credit 2 months prior to me receiving the notice.I was very upset to say the least.An error had been mADE I explained to the lady on the phone and I could proove I immediately put the docements together and sent to them in return I wanted to see what proof they could provide and OF course it was nothing but hand written lies .I asked for photos since they were trying to charge me for damages and they have yet to provide me with any.I however have plenty of photos prooving that there was a leak in this apartment and the mold damage, and along with a letter from the management ackknowledgement that I would not be charged damages and that I was moved out XX/XX/XXXX and they still wont remove this collection.This has caused me to not get employed in my profession and Im also trying to buy a house.Also I moved from this place in XX/XX/XXXX. Why did it take over 2 years for them to decide to place this file in collections? This file was placed on my credit report XX/XX/XXXX why not after I moved in XX/XX/XXXX if this was really mine.
Product: Debt collection

A XXXX  threatened us with charges for something he called " XXXX XXXX '' if we did not continue seeing him at {$350.00} per hour. We of course did not agree to this thinking it was an empty threat. It was not. I recently checked my credit report and found a derogatory item indicating I owed {$160.00}. I called the collection agency listed to explain that they, presumably, were not aware they were helping to perpetrate a fraud and give them the chance to correct the situation. Their response was that the burden was on me to prove the fraud before they would act. I replied that it would be difficult for me to prove a negative, specifically that I did not authorize charges for whatever " XXXX XXXX '' is. They said that if I could not prove it they could not help and promptly hung up. The is a fraudulent charge. The doctor that imposed the charge knows it. I suspect the collections company knows it, but they also know it will be virtually impossible for me to prove it without expending resources far larger than the amount of the debt. They also know I value my credit score and are therefore trying to blackmail me into paying a debt I do not owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : 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 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 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

LVNV FUNDING LLC never received any communication by mail from them. They are violating my rights by posting a negative account on my credit reports. I am actively working with the local police department as there has been identity theft that led to fraud on various credit card accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

World Finance will not update my chapter XXXX on my acct i called spoke with Supervisors and managers they stated they will not update it on my report but i included my Creditors list with them on it and they have acknowledge the Chapter XXXX but want update it on my Credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent documents to TransUnion several times and they have not taken the bankruptcy off my credit report yet. I sent them information in XXXX of 2021 and they ask for my ID I provided that and it's still on my report. I am totally frustrated and it seems as if no one follows the law there at all. I am ready to file a suit against them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

Account name : progressive insurance Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account date : XX/XX/XXXX Account address : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX MA XXXX Account name : XXXX. XXXX Account # : XXXX XXXX XXXX XXXX XXXXXXXX Account date : XX/XX/XXXX Account name : XXXX. XXXX Account # : XXXX XXXX XXXX XXXX XXXXXXXX Account dateXXXX Account name : XXXX XXXX Account # : XXXX Account date : XX/XX/XXXX Account name : XXXX XXXX XXXX Account # : XXXX Account date : XX/XX/XXXX Account name : XXXX  XXXX Account # : XXXX Account name : XXXX XXXX XXXX Account XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account # : XXXX Account name : XXXX XXXXXXXX Account # : XXXX Account name : XXXX. XXXX Account # : 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 an 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.