23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I have submitted several disputes to remove all late pay and collections. I have stated all laws and according to 15 USC 604 validation. and nothing was validated or removed. i am trying to meet a XX/XX/XXXX closing date.
Product: Credit card or prepaid card

I contacted Discover Card on XX/XX/2018 to see if there was any offers or opportunities to lower my interest rate. After speaking with an agent, she offered to apply an additional {$25.00} to my principal if I made a one time payment on my account at that moment. I asked the agent if this would result in a double bill since I enrolled in auto pay. The agent said no, it is illegal to bill me twice in the same month. After agreeing to it, I noticed on XX/XX/2018 my checking account was missing an additional {$200.00} which was the result of being billed again by Discover. After calling in to report this and ask for a refund, I received subpar service and was told that a refund check would be mailed out in 3-7 business days which caused me to miss my student loan payment. I asked repeatedly if there was any way to overnight my refund and I was told no, it's against their policy, despite the fact that they provided inaccurate information. The response was totally inappropriate given the situation. As of today, XX/XX/18, I still do not have the {$200.00} that they illegally took from me.
Product: Credit reporting or other personal consumer reports

There are inaccuracies on my credit report regarding 15 USC 16c-2. The inquiries shown were unauthorized, which is hurting my credit. Please remove all unauthorized hard inquiries. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be corrected from erroneous reporting in my file. 

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
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX # XXXX is reporting a collection on my account that I never received a notice for. This was put onto my credit without any warning and I only found out about it when I had my credit pulled. I went ahead and paid it and now I need the collection to be removed. They violated my 30 day right to dispute and this collection is now paid and I'd like it taken off credit.
Product: Checking or savings account

On Friday XX/XX/XXXX I deposited XXXX $ into the ATM at TD Bank XXXX XXXX XXXX XXXX XXXX FL. 
The machine stopped working and did a forced deposit of XXXX I immediately went to the drive thru and explained what happened. A claim was created and closed XXXX days later, stating that there was nothing to investigate.
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute and Demand for Removal of Unauthorized/Inaccurate Credit Inquiries To Whom It May Concern, I am writing to formally dispute and demand the removal of several credit inquiries listed on my credit report that are not attached to any open account and/or were not authorized by me. The presence of these inquiries violates my rights under federal law, specifically the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., which governs the permissible use and accuracy of consumer credit information. 

1. Violation of FCRA Inaccurate Credit Reporting The credit inquiries listed below are not connected to any open or active account, nor were they authorized in compliance with permissible purposes under : 15 U.S.C. 1681b : Permissible purposes of consumer reports. 
Credit inquiries should only appear on a consumers report if they were authorized or resulted from a transaction initiated by the consumer. Reporting unauthorized or inaccurate inquiries constitutes a violation of : 15 U.S.C. 1681e ( b ) : Duty to ensure maximum possible accuracy of consumer credit information. 
2. Credit Inquiries in Question The following inquiries are inaccurate and must be removed : 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 3. Negative Impact on Credit Profile These inaccurate inquiries are unfairly affecting my credit score and overall creditworthiness, resulting in material harm to my financial reputation. 

4. Request for Immediate Removal of Disputed Inquiries To resolve this matter, I demand that your agency : Investigate and verify each disputed inquiry listed above. 
Immediately remove any inquiry that can not be verified as authorized or attached to an open account. 
Provide a written statement confirming the removal of these inquiries and an updated copy of my credit report reflecting the changes. 

5. Legal Consequences for Non-Compliance Failure to investigate and correct these inaccuracies within the time frame required by law ( 30 days ) may result in legal action to enforce my rights under the FCRA. I will not hesitate to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General if these inquiries are not promptly removed. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. I was shocked to learn. I have been a victim of identity theft. I found numerous accounts on my credit report, They were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible.
Product: Debt collection

Capital One has repeatedly taken money out of my account without permission. They did this before with {$1000.00} and claimed the did n't know what happened. This time they tried to take two small amounts out of my account. Something suspicious is going on. Now I 'm charged overdraft fees. 
ACH trace # XXXX and XXXX.
Product: Payday loan, title loan, or personal loan

I received a loan f rom Net Credit/NC Financial    XX/XX/XXXX . Payments were withdrawn in the amount of {$230.00} from my checking account monthly to avoid a late payme nt. In   XX/XX/XXXX , I  initiated a debt management company,  XXXX   XXXX   XXXX  to help lower my debt. They received approval from  Net Credit  to lower my payments from {$230.00} to {$140.00} a month. Payments were deducted from my account monthly and dispersed  to Net Credit. In  XX/XX/XXXX , I received an alert on my credit report stating I was 30 days past due. I contacted Net Credit to see w hy they contacted  XXXX  and stated I was late when my payments are sent directly to them. I was advised that although I was going through a debt management company and paying {$140.00} a month, I was still responsible for the additional {$86.00} per month and should have sent it to them. They started reported that I was late and I owe them a balance of {$250.00}. I told them that there was an agreement that they accepted with  XXXX   XXXX   XXXX  for {$140.00} a month and they were getting paid every month so I was not past due. She stated that I was correct but I am still obligated to the original contract for {$230.00} a month and they will not fix it. I also sp oke to a manager which they advised me of the same thing. I told the manager if this was an issue, then they should not have approved the payment plan for {$140.00} a month. She apologized and still said there  was nothing she could do. I contacted  XXXX   XXXX   XXXX  and requested a copy of the signed agreement and got it forwarded to me. I also made a dispute with   XXXX   to get the late payment removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

For a week I have been complaining to Trans Union. Today I called and spoke to a woman who obviously in another country if not another world. I am trying to get an account removed because it has been closed for 7 years. I paid the account as agreed and she stated that any NON ADVERSE account must remain for 10 years. The problem is that when I was young and had no credit, the only company that would give me credit was called XXXX XXXX. 40 years later I needed a loan and went to XXXX which is the new name for the old company. Little did I know that a consumer loan company is a black mark on your credit. I paid the loan as agreed and in XXXX of XXXX it was closed. In the meantime I checked my credit score and one of the reasons for a lower score was that I had used a consumer loan company and that many people with poor credit do as well. Since I checked that, I have been waiting for the 7 years to pass when I could get it removed. Now they tell me that if it in NON ADVERSE, it must remain for 10 years. If it has a negative impact on my credit score, it is an adverse account. I want this account removed from my credit bureau as it adversely affects my credit score just by the type of company it is.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXXXXXX  I spoke with an agent by the name of XXXX. The Agent refused to dispute an inaccurate address, that I told him is a non mailable address. Per the FCRA 15 USC 1681, this is not my address. I did not give XXXX nor XXXX written consent to place this address on my report. XXXX told me he could not remove it and that I needed to contact the creditor which is not by the law. Please delete this inaccurate information immediately. If XXXX continues to report this inaccurate information as this is a violation of the Privacy Act of 1974.
Product: Mortgage

I received a notice of servicing transfer from Loancare LLC for my home loan on XX/XX/XXXX and at that time I started making payments through them. Beginning XX/XX/XXXX, I started receiving notifications that I needed to obtain flood insurance for my property. I mailed, faxed and eventually directly uploaded to the Loancare website documentation of current flood insurance held by the HOA ( I live in a condo ) to no avail. The same correspondence kept getting sent. In XX/XX/XXXX I called Loancare customer service and they said that a glitch had occurred that kept my account from being updated and it was fine, the HOA insurance was sufficient and I would receive no further correspondence. 

On XX/XX/XXXX, I received an email that lender placed flood policy had been charged to my escrow account resulting in a balance of - {$530.00}. I called Loancare immediately and was notified that this was a mistake and my account would be adjusted by XX/XX/XXXX. I received a letter dated XX/XX/XXXX confirming that the lender placed insurance had been cancelled. On XX/XX/XXXX, I received a statement dated XX/XX/XXXX noting that my escrow account is now - {$700.00} ( with no explanation how ) and my monthly payments would be increased to cover the overage. I just called LoanCare LLC again and after about an hour of being bounced back and forth between their insurance department and mortgage support personnel was given no explanation of why I received this statement and an explanation that the company had not completed an " analysis '' of my loan to determine how much flood insurance I need. Please keep in mind I live in a severe drought area of central CA and it would literally take biblical proportion rain for a flood to occur here. 

This company continues to harass me with threats of forced placed lender insurance and charges my escrow account at their leisure, without any warning. At no point did they offer me the option of obtaining my own flood insurance ( which I would not need, I only need " walls-in '' coverage and my HOA carries flood insurance on the outside of the property ) and attempted to charge me over twice the normal flood premium with their lender placed insurance. I don't know if I would be even able to obtain flood insurance as I live on the 2nd floor of the unit and technically do not own the part of the building that would be affected by flood. I want LoanCare to cease their attempts to fraudulently place insurance on my loan. 

For what it's worth, LoanCare has a known history of engaging in excessive force placed insurance as evidenced by a class action settlement reached on XX/XX/XXXX. It seems that they continue to persist in this behavior despite the court ruling.
Product: Credit reporting 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 XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX States : no consumer reporting agency XXXX 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. 

XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ) 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.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block, inc. ) due to inadequate customer service and unfair practices, which violate the Customer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting 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 USC 1681. Account name : XXXX XXXX, Account name : XXXX XXXX, Account name : XXXX XXXX, Account name : XXXX XXXX, has violated my rights. 
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, 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 and crimes which antedates the report by XXXX 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 that the information is inaccurate. 

List of accounts/ account numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX List of addresses : 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 Incorrrect spelling on name : XXXX XXXX Inquiries : XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXXany personal statement on my report should be removed, the above accounts, inquires, and incorrect spelling of name also should all be REMOVED.
Product: Credit reporting or other personal consumer reports

Hello My complaint is against credit reporting bureaus reporting incorrect credit score again and again and messing up my credit score in front of my lender. 
When I checked my credit score on Experian from Experian.com it was XXXX as per XX/XX/year> and my XXXX score was XXXX on Fico score XXXX. 
I am in process of purchasing house and my mortgage lender checked my report from his end and turned out that my Experian score is XXXX, my XXXX is XXXX and XXXX is XXXX. 
I want to know the reason behind this discrepancy that If my score is different from what lender see at their end, then why credit bureaus are selling their subscriptions to view Credit score?
Product: Money transfer, virtual currency, or money service

I deposited {$1000.00} into Robinhood using a debit card on XX/XX/XXXX. After confirming ownership of the debit card via test transaction, the transaction was processed and {$1000.00} of USDC was purchased. 

Immediately after taking my money, Robinhood placed a restriction on my account that prohibits all activity including sending, selling, etc.

Initially, Robinhood stated that my account review would be completed on XX/XX/XXXX. On XX/XX/XXXX, they then stated that the review would be completed XX/XX/XXXX. On XX/XX/XXXX, they then stated that the review would be completed XX/XX/XXXX. On XX/XX/XXXX, they then stated that the review would be completed XX/XX/XXXX. Today, XX/XX/XXXX, they now state that the review will be completed XX/XX/XXXX. 

I have attempted to contact Robinhood multiple times throughout this process. Note that their customer service is non-existent. Three times I have been placed in a queue to receive a support phone call, and three times I did not receive a phone call. In addition, I have attempted to communicate with them three times via email, either to receive no response or to be told that " we're still reviewing your account '' and providing zero timeframe.

Robinhood is holding my {$1000.00} wrongly with no clear date provided as to when the hold will be released, and continually extending said hold. They provide zero customer service.

Please note that my account is already fully verified including by drivers license and picture.

I have attached screenshots showing the continued pattern of delaying the date of review with zero information provided by customer support.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Mortgage

I am the victim of loan modification fraud. XXXX XXXX and ditech financial are XXXX me. They added {$16000.00} to my balance and forged documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21 I had sent out credit dispute letters about some accounts that definitely werent mine and i had no idea about that were Fraudulent and other accounts I wasnt to sure about and sent them dispute and verify letters to all three ( 3 ) credit bureaus XXXX, Transunion, and XXXX and Legally they had 30 days to respond and they failed to do so, to prove and validate the debt and negative items reporting on my credit profile impacting my credit score and ability to obtain credit such as personal loans, Mortgage Loans, Auto Loans and house hold items like furniture and appliances XXXX and causing financial injury and emotional and financial distress.! I will attach proof of documents I sent and mailed out.!
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm having issues getting the fraud alerts removed from my credit reports. I've sent in all information requested and they still appear on my file.
Product: Student loan

Unfortunately, I did not know that what they were doing was wrong until I saw the lawsuit. I thought they were following a protocol that I had to follow. When it came time to pay my Navient federal loans after graduation, I could n't pay the full amount on my loans. I tried to talk to Navient about options, and they told me I had to go into forbearance. When I asked if I could go to an Income Based Repayment plan, I was told I could n't go to it until the forbearance time was exhausted. So in that time, I had to wait to be in IBR plan and was accruing interest. XXXX XXXX did a similar situation with my private student loans, except they made me pay {$150.00} to defer them, while still accruing interest ( which is also ridiculous since if I had {$150.00} at the time, I would have been paying the loan ). Hence, I thought this was just the norm, that I had to follow their protocol of forbearance before I could even go to an IBR plan. I hope they fix their practices. People need to realize that students are fine with paying back the loans they took out, but they would like to do so under fair circumstances. Hurting us all when we are down only compounds the issues and will simply cause a stagnant economy for all citizens.
Product: Credit reporting or other personal consumer reports

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 

XXXX XXXX XXXX ; XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX Balance : {$2400.00} ; XXXX XXXX XXXX Balance : {$1500.00} ; XXXX XXXX XXXXBalance : {$0.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXXBalance : {$2600.00} ; XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX  XXXX ) XXXX Balance : {$460.00} 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