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

Robinhood, Robinhood Markets , Inc. is denying me to access my state and federal tax return. They are not giving me my stock dividends ( missing months due to the dividends vanishing ). They will not give me access to my account or simply close my account. They are requesting front and back pictures of my social security card and front and back pictures of my drivers license. Both of what they have received and I was told after recieveing that, my account will be accessible. Now, Robinhood is demanding bank account statements back to 2019, 3 pictures of my face ( left side, right side, front ), proof of where I live, where I make my money, proof of residency, and more. I have spoken to numerous Robinhood representatives whose names are XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, and others yet no one has helped me resolve this issue. I am being sent around in circles with no true help. I already had a case open with my email but since it was not listed under my Robinhood account they could not truly help me. So now, this complaint is for further investigation between my issues with Robinhood. It has been 3 months and my account is still frozen.
Product: Vehicle loan or lease

Capital One Auto Finance received a {$2700.00} payment on XX/XX/2021. However, my list of transactions states that Capital One received the payment on XX/XX/2021. I've called Capital One numerous times to have the date corrected. I shared the XXXX tracking number with Capital One and have a recording of a Capital One representative stating that my list of transactions would be updated within the hour to accurately reflect the date. Capital One refuses to update the list.
Product: Credit reporting or other personal consumer reports

I am disputing an inaccurate XXXX XXXX account reported by the credit bureaus. Despite multiple certified requests for verification, the bureaus continue to inaccurately verify the account. TransUnion reports the account open since XX/XX/XXXX, while XXXX and XXXX both report it as open since XX/XX/XXXX. Due to the discrepancies and failure to provide accurate verification, I am requesting the removal of this account from my credit report. The last updates were reported as follows : TransUnion on XX/XX/XXXX, XXXX on XX/XX/XXXX, and XXXX on XX/XX/XXXX.
Product: Mortgage

My father died XXXX of this year XXXXand he left me and my sister the house and going threw probate and court to get things changed over they wouldnt help me and know Im in foreclosures and I cant get them to work with me been trying since my father passed away
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a bunch of inaccuracies on my credit report. All 3 late payments have inaccuracies that don't match with all the credit bureaus. 

XXXX : XXXX XXXX account number : XXXX open XXXX closed date XX/XX/XXXX last reported XX/XX/XXXX Experian : XXXX XXXX account number : XXXX open date : XX/XX/XXXX closed date : unavilable last reported : XX/XX/XXXX XXXX : XXXX XXXX account number : XXXX open date : XX/XX/XXXX closed date : unavailable last reported XX/XX/XXXX Open dates don't match closed dates don't match last reported dates don't match. 

XXXX : XXXX XXXX account number : XXXX open date : XX/XX/XXXX closed date : XX/XX/XXXX last reported XX/XX/XXXX Experian : XXXX XXXX  account number : XXXX open date : XX/XX/XXXX closed date : unavailable last reported : XX/XX/XXXX XXXX XXXX XXXX XXXX account number : XXXX open date : XX/XX/XXXX closed date : unavailable last reported date : XX/XX/XXXX Open dates don't match closed dates don't match last reported dates don't match. 

XXXX XXXX XXXX account number : XXXX open date : XX/XX/XXXX closed dated : unavailable last reported date : XX/XX/XXXX Experian : XXXX account number : XXXX open date : XX/XX/XXXX closed dated : unavailable last reported date : XX/XX/XXXX XXXX : XXXX account number : XXXX open date : XX/XX/XXXX closed dated : unavailable last reported date : XX/XX/XXXX Account numbers don't match Open dates don't match closed dates don't match last reported dates don't match. 

I want these deleted off my report I contacted all 3 bureaus about this issue and nobody has done anything about them. By law if they are inaccurate they have to be removed. Thank you have a blessed day.
Product: Credit reporting, credit repair services, or other personal consumer reports

Compliant # XXXX, additional documents The Credit Reporting Agency stated that they verified the information with the court. I have attached a letter from the court dated XX/XX/2020. Stating that the US Bankruptcy Court does not report ANY information to the Credit Bureaus. Nor is they responsible for verifying or validating information from a consumers ' credit files. They are continuing to be negligent in violating the provision of the FCRA and should be had liable. They said MOV verification was through XXXX XXXX I have attached a letter from XXXX XXXX saying they could not verify and have delete it. Please delete this unverified Bankruptcy from my credit delete. The credit bureau should be held liable for report inaccurate and unverified information. 
The other documents are attached to the previous compliant.XXXX
Product: Credit reporting or other personal consumer reports

I recently perused a copy of my credit history. It said that the credit request originated from the credit inquiries listed below. However, I did not provide my consent for these questions to be asked. In response, I'm writing to contest these inquiries and ask that it be removed from my credit report. 
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

I am a victim of the EQUIFAX data breach in that on XXXX XXXX I was made aware of several HARD INQUIRIES that were NOT initiated by me. 

I was given a letter of courtesy by some of the FRAUDULENT Hard Inquiries that have been removed : XXXX XXXX XXXX - Pending, letter confirming backlog of requests to remove fraudulent inquiries. 

Now, I filed an incident report with XXXX XXXX XXXX in California due to the fact that I was told by XXXX until I did so, I they would not remove a HARD INQUIRY. 

Now, they after doing so they still refuse to remove the false hard inquiry which falsely stays on my credit report for 2 years, even though My credit report has been in a FREEZE status for several days now, and to prevent further problems with my credit, there is a fraud alert on all 3 reports. 

XXXX said I had to mail an affidavit to them, which I did and I also mailed a copy of the XXXX XXXX Fraud Complaint to prove the fact that I NEVER applied for credit with them, but they still refuse to remove the false inquiry. 

In closing, even law enforcement said that XXXX never cooperates with their investigations and I have seen first hand that they arrogantly refused to remove this inquiry for a revolving credit application on XXXX XXXX. They refuse to give me a copy of the application for credit which I have been told is my right. 

The reference number for this incident by XXXX is Customer # XXXX I know that my confidential and personal information was compromised. To obtain credit online they have my correct SSN, My Drivers License, and my DOB. They have all been used to attempt to purchase an automobile, over {$6000.00} in furniture, and 9 credit cards have been closed due to fraudulent charges. 

Please help me with XXXX because they are allowing false information to remain on my credit report.
Product: Mortgage

On XX/XX/2020 you provided a payoff on this account good through XX/XX/2020. The account was paid in full on or around XX/XX/2020 by the new lender, XXXX XXXX. The payoff included interest to XX/XX/2020 in the amount of {$1300.00}. 

On XX/XX/2020 I called and asked to have auto-pay cancelled so the payment due XX/XX/2020 would not be drafted at the instruction of my new lender. 

On XX/XX/2020 you drafted the payment due XX/XX/2020 in the amount of {$1800.00} despite my revoked authorization to do so. 

On XX/XX/2020 I called and was told the account was drafted in error and the payment would be immediately returned. 

On XX/XX/2020 I still had not received the drafted payment refund so I called again to inquire. 
First, I was told that I would receive two checks. The first was an escrow overage in the amount of {$1600.00}. The second check in the amount of {$1300.00} would be for the principal portion of the payment drafted on XX/XX/2020. When I asked about the difference from the amount drafted ( {$1800.00} ) and the second refund check ( {$1300.00} ), I was told the difference was applied to the escrow balance and that amount was included in the escrow refund check ( {$1600.00} ). 
When I asked for more clarification on this, including the escrow balance previous to the XX/XX/2020 payment, I was put on hold and the representative spoke to a supervisor in the escrow area. I was then told that the unapplied disbursement check in the amount of {$1300.00} was for a payoff overage and was not related to the payment drafted on XX/XX/2020. The representative informed me that the payoff we were provided on XX/XX/2020 was based upon the assumption I would make the XX/XX/2020 payment. 
I informed the representative that the payoff included interest to XX/XX/2020, in the amount of {$1300.00}, and that the per diem amount shown on the payoff is {$25.00}. This would equal 52 days of interest, which would make the XX/XX/2020 payment unnecessary as it was already included in the payoff. Additionally, I reminded the representative that the XX/XX/2020 draft was unauthorized and that on XX/XX/2020 I was promised a full and immediate refund. 
At that time the representative informed me that because the loan was closed he did not have access to all the information he needed to assist me with my requests. He referred me to this email address for more information. 

At this time, I request that you refund the payment drafted on XX/XX/2020 in the amount of {$1800.00}. I also request a 12 month payment history, an escrow detail for the past 12 months, and the amount and date the payoff was received, the amount and date the payoff was applied, and an accounting of how the payoff funds were applied.
Product: Credit reporting or other personal consumer reports

Ive recently received a copy of my credit report and noticed serval inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health
Product: Checking or savings account

Wallet was stolen with social security card, military ids, state driver 's license at the beginning of XX/XX/2021. I filed a police report with XXXX police department in XXXX SC. I've been receiving credit statements and overdrawn bank account statements that I didn't apply for. 
XXXX XXXX  Bb & t bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Experian credit bureau is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update it immediately in my report : XXXX XXXX XXXX Date opened XX/XX/XXXXXXXX  Balance : {$86000.00}, XXXXXXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXXXXXX  Balance : {$710000.00}, XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXXXXXX  Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I've been a victim of identity theft. I have noticed some unauthorized accounts on my credit report that I DID NOT BENEFIT FROM OR APPROVE OF. XXXX of them are collections accounts from a hospital that stated my health insurance would cover them, yet they sold my information fraudulently to a debt collector and this is affecting my credit. I was a victim of both the EQUIFAX AND XXXX XXXX XXXX, which has also affected me, causing others to use and sell my personal information as they please. I need these fraudulent accounts removed permanently and expeditiously!!
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN I am the natural living man, Executor, trustee, beneficiary and legal copyright owner of the said name stated on my birth certificate and social security card and all other variations of such name/entity. I have sent the necessary documents proving my sole ownership. Experian has yet to respond to my request/dispute and it has been well over 30 days since the notice has been received by EXPERIAN which is a direct violation of 15 USC 1681i ( a ) ( 1 ) ( A ). According to my congressional findings Pursuant of 15 USC 1681b ( 2 ) - A consumer has the right to DEMAND remedy by means of written or oral communication. In addition, based on the due diligence I have done, according to 15 USC 1681 ( a ) ( 1 ) - Congressional findings and statements of purpose : 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. As EXERPIAN would know, there is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the for the consumers right to privacy. I am afraid that EXPERIAN has not been exercising their grave responsibilities that were given to them, nor performing reasonable procedures for meeting the needs of the commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to me, the consumer, regarding the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of 15 USC 1681b Reasonable Procedures. I have remained humble throughout these past couple of years despite all the stress, abuse, and harm that EXPERIAN has caused me. I have had enough of the abuse and unfair practices from EXPERIAN. Pursuant of 15 USC 1681b ( 2 ), I did not give EXPERIAN any form of written instructions to accept, furnish, or report any information on my behalf. By the powers vested in me by the TRUE living XXXX, I hereby DEMAND that all Negative accounts, Late Payments, Inquiries, Delinquencies, Charge Offs, that was not Authorized or Verified by me, the consumer, in written format to be Updated IMMEDIATELY according to 15 USC 1692g ( a ) ( 4 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

There is Information on my consumer report that is a result of identity theft. I did not agree for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer. 
ACCOUNTS : 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 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 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
Product: Checking or savings account

BBVA Bank had bought out Simple Bank and has been contacting Simple users about the impending transition from Simple to BBVA for several months in XXXX and XXXX. 
On XX/XX/XXXX, Simple had closed its doors and ex-Simple users received an email from BBVA with a link to activate their accounts. However, when attempting to activate the new account via the provided link, users were met with " System Errors '' and could not access the new BBVA account. When attempting to call customer service, calls were randomly dropped or never answered.

BBVA came out with a statement stating that they would open their service center to assist Simple users on Sunday XX/XX/XXXX. When the lines opened that Sunday, users were met with prerecorded prompts, where someone would pretend to be a service agent for BBVA, then immediately state " Sorry, I can not hear you. Please call back '' and disconnect the call. Those who were able to get through had to wait over an hour for a representative to help them get into their accounts. 

On Monday XX/XX/XXXX, users still experienced issues with randomly getting locked out of their accounts. Users were prompted to call the service number to access the accounts again. When calling the service number this time, a prompt stating " Sorry, we are currently experiencing difficulties. Please call at a later time. XXXX. '' and the call would be automatically disconnected. 

Users were informed that during this transition from Simple to BBVA, no banking information would be changed. However, when users were able to access their accounts, they found that routing numbers did change. Users were also never informed about the myriad of fees associated with BBVA - there is a fee for calling more than 5 times a month regarding your account, and there is a fee for every transaction made with an external bank or account. According to support representatives, BBVA will not waive any fees for users who are attempting to empty their accounts and close them.

BBVA needs to be held accountable for withholding finances for more than 3 days, for completely botching a transition that was planned for well over a year in advance, for their inability to provide service to their customers, for their inability to deal with the volume of customers, and ESPECIALLY for blatantly lying to their customers with fake customer service agent recordings.
Product: Money transfer, virtual currency, or money service

XXXX  will not release a payment of {$15000.00} that I received on XX/XX/23. The first closed my merchant account then after review reopened my account. I received emails stating that the payment had been released to my bank only to receive an email on the day the funds were supposed to be in my account that they couldn't verify my account and additional documents would be needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX  XXXX XXXX .... Balance : - ; XXXX XXXX XXXX XXXXXXXX .... Balance : - ; XXXX XXXX .... Balance : - ; XXXX XXXX  XXXX .... Balance : {$9000.00} ; XXXX  XXXX .... Balance : XXXX ; XXXX XXXX XXXX XXXX .... Balance : {$520.00} ; XXXX XXXX XXXXXXXX .... Balance : {$0.00} ; XXXX XXXXXXXX .... Balance : {$0.00} ; XXXX XXXXXXXX ... XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX .... Balance : {$2200.00} ; XXXX XXXX XXXX XXXX .... Balance : {$980.00} ; XXXX XXXX XXXX XXXX ... XXXX Balance : {$530.00} ; XXXX XXXX XXXX XXXX ... XXXX Balance : {$180.00} ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX # XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX # XXXX XXXX CA XXXX ; XXXX  XXXX XXXX Date of request XX/XX/XXXX ; XXXX Date of request XX/XX/XXXX ; XXXX XXXX  XXXX Date of request XX/XX/XXXX ; XXXX Date of request XX/XX/XXXX ; XXXX XXXX  Date of request XX/XX/XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I check my credit twice a month. And I noticed my balance jumped from XXXX to XXXX dollars. And Ive been XXXX for over 9 years with no school activity or anything. How is it this debt has doubled all of a sudden. Which has made my credit score decrease. Please help. I made a report of identification theft with someone calling my phone and I gave up my social security number over the phone. So I hope this has nothing to do with it.
Product: Credit reporting or other personal consumer reports

dispute to the validity of the alleged debt and a dispute to the validity of your claims. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. You are in violation under 15 U.S.Code 1681i ( 5 ) removal of Inaccurate/Invalidated Credit Information and 15 U.S.Code 1681 ( e ) ( b ) Compliance procedures maximum possible accuracy & section 604 15 us code 1681 B. The identified transactions are not information related to any transaction by me as the consumer ( see attached )
Product: Credit reporting or other personal consumer reports

I have been affected by inaccurate information reported to creditors by both Innovis and XXXX XXXX in addition to working as criminals with bugs that they have in place in the XXXX Credit Bureaus, XXXX, XXXX, and XXXX. The inaccurate  reports are costing me denial of services along with XXXX  payments for the least XXXX  in XXXX XXXX quotes and XXXX. I am a victim of XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX and more by a XXXX XXXX I am asking for you to please intervene on my behalf. The home recently sold under XXXX is paid in full. This is not being reflected as closed paid off on none of the credit bureaus. In addition, XXXX XXXX is reporting that I had an accident and have XXXX XXXX  on my driver 's license which is not true and proved by the XXXX  company XXXX XXXX and XXXX  XXXX. Theses lies are being reported to potential XXXX XXXX which is causing high quotes or denials. These Companies also are calling and requesting information on my credit without approval. I don't know these companies and request that they have no access to my financial information due to sabotage. Also these people are working with XXXX  in the XXXX  XXXX Credit bureaus to help XXXX  my credit. Please Help NOW!