23daVinci/CFPB_Complaints huggingface dataset:
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 USC 1681. 


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 a 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. 

Name of Account Account Number Verification OFFICE OF THE ATTY GEN XXXX The wrong amount is being reported XXXX XXXX XXXX Identity Theft. 
XXXX XXXX XXXX XXXX Identity Theft. 
XXXX XXXXXXXX Identity Theft. 
XXXX Identity Theft. 
XXXX Identity Theft. 
XXXX Identity Theft. 
XXXX Identity Theft. 
XXXX Identitu Theft. 


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

On several occasions I have sent several letter to the credit bureau explaining to them that accounts showing on my report is not mine. Each time the bureau would reply and state verified. I have ask them to show proof and verify the account is mine, such as contracts, signature. By law they have to show me proof if they are reporting this on my credit file. They are not removing the accounts. This is hard on my life and now in a pandemic covid 19, I can not get any assist with these errors. They have failed 3 times to show me their method of verification. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/18 I contacted XXXX XXXX customer service, to inquire why I had received paper statements for several months when I have never received them before ; I was signed up for electronic statements. I was informed that their credit card platform was in the midst of a " platform update '' and that my current web browser didn't support the update. Being personally aware of the IT field and software platforms I communicated that the information the customer service rep offered as an explanation was technically inaccurate. I also communicated that I did not want to receive paper statements through the mail for security reasons ; the customer service representative offered no other options to turn off receiving the paper statements and said it would last until the platform update was complete. On XX/XX/18 I attempted to log in to my online account and it seems the " platform update '' is complete and was prompted to update security questions and re-enter secure account information, including my full name, full XXXX XXXX account number, social security number digits, and security code on the reverse side of my credit card. I was also prompted to download a document from the internet in order to sign up for electronic statements only. Since I had received no official communication from XXXX XXXX or XXXX XXXX, XXXX XXXX. ( the credit card servicer ) that such a change or update to the site was occurring, I was wary of entering secure information on an unfamiliar website. I again contacted XXXX XXXX customer service to inquire about the validity of this new website and security question procedure. I also wanted to provide feedback that I was unhappy with receiving zero communication from XXXX XXXX or XXXX XXXX, XXXX XXXX. ( the credit card servicer ) of these changes to my account, what feels like careless handling of secure account information, and of the platform update which I would not been privy to unless I has called over the summer about the paper statements. The customer service representative placed the call on hold several times when I inquired to share this information and my dissatisfaction with the handling of my secure account information, and on the final hold, I was disconnected from the call through no fault of my phone service.
Product: Debt collection

Ive always had medical insurance and do not know where this debt came from. I had XXXX XXXX XXXX XXXX  for years.
Product: Mortgage

Been trying to get into a payment plan, no cooperation from the mortgage company. They send me the documentation for curing the default in my account. As they requested including attorney fees {$8100.00}. I had called different days in XXXX trying to get payment arrangement. First they said I have to pay {$3200.00} to start getting the account current. A week after they told me it was {$5200.00} and when I get back the account was on Foreclosure and not even at the day XX/XX/XXXX at the deadline they gave me to paid the {$5200.00}. I have been trying to make payments they don't accept partial payments and keep increasing the minimal amount. The letter they send me I have until XX/XX/XXXX to sent the {$8100.00}. I tried since the XXXX to send it by money gram and it was a global outage for money gram that no where in Florida for the service available. The last option I have since Selene Finance never get the wire information and there office it was closed during the weekend it was to buy a cashier check as payment form it was like that because they don't even allow me to do the payment thru my check account making more complicated the process, and sent check by XXXX  mail. I called today and customer service representative said the offer expired yesterday XXXX  the XXXX of XXXX. I explained the situation and requested a call back from the person managing my account in the loan resolution department. Customer service been not cooperating at all during this process, I never refuse to pay the debt, I have been willing to do it and Selene it's been increasing minimal payment and including attorney fees to get my property into foreclosure.
Product: Credit card

I got back to the USA and requested a credit card to Citicards.com that was accepted. 
I used it for a month and suddenly it was blocked because Citibank has some concerns about suspicious account activity. I faxed them all of the requested information ( SSN card, service billing and passport ) but after weekly calls, now for a month, my card is still blocked. Apparently they need a phone number, one that they can verify, to call me back. I am using XXXX XXXX XXXX as provider, which for some reason is not included in their check up database ( landlines are useless for them ). 
I have paid past month statement ( electronic transfer from a bank account at XXXX XXXX XXXX under my name ), but still, I can not use that information to validate my identity. 
The irony is that as the account is blocked and thus I can not close it, and I do n't know how to proceed, as their customer assistants can not provide any alternatives to prove my identity, nor escalate me to a supervisor ( They even hung up on me when I requested that ). It 's a dead end, and it seems I am stuck in their XXXX like bureaucracy
Product: Payday loan, title loan, personal loan, or advance loan

This company denied me my credit around XX/XX/2023. I don't care what the reasons are because that is grounds for discrimination from the Equal Credit Opportunity Act. I have a right to my credit, withholding my access it's security fraud, your violating the Equal Credit Opportunity Act and Consumer Credit Protection Act. Since you are denying my credit. Please retract my application. I mentioned this to this company several times they have still not resolved this information. XXXX XXXX in fact for the all caps name XXXX XXXX
Product: Vehicle loan or lease

I filed a dispute no longer than XXXX months ago. I have not heard back from anyone. I was not informed of everything while purchasing the used vehicle with many issues. I asked for documents and never received them.
Product: Checking or savings account

On XX/XX/2018, there was a transaction that appeared on my bank checking account and immediately I contacted the bank to file a dispute about this fraudulent charge that I did not authorized for the amount of {$1900.00}. At first disputed that I file with the bank, they were not willing to reimburse the amount above. Then I asked them to reopened the dispute which they did and I waiting for the reponed of the first dispute to be completed. This was a fraudulent charge on my account and I would like to receive this refund as soon as possible. 
Due to that I filed an FTC report with reference number : XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have absolutely no idea what this account is, I have never opened a account with this creditor and want this removed. 

I have notified my local Police department ( XXXX XXXX county sheriffs ) of this fraudulent account and have made a police report, also I have taken the proper steps to report these accounts to the Federal Trade Comission ( FTC ) and filed fraud reports with them. 

This account with XXXX/XXXX XXXX with a balance of $ 2000+ is fraudulent and I wish to have it removed. 



XXXX XXXX ( XXXX ) XXXX
Product: Credit card or prepaid card

ordered 7 bottles of chili sauce on XX/XX/XXXX and received 7 plastic bags of chili sauce with no order confirmation or receipt. Asked seller for refund, firstly no response and the was blamed for fraud. Reached out to capital one and soon be charged back for {$37.00}. Talked to capital one for several times to resolve the issue, but capital one said I need to send back at my own charge. I refused since its not my fault to receive the wrong items. Capital one then asks for 2nd opinion, so I provided another merchants webpage merchandise for the same upc code. Visually they are different and I still couldnt get money back.
Product: Money transfer, virtual currency, or money service

I am writing about the illegal practices Robinhood has engaged in, including false advertizing, disclosure of PII possibly linked to CCPA, failure to provide customer support. 
They advertize that they accept and pay for XXXX transfers from other online trading platforms to them. Their marketing materials, website, user flows, help center state that there is no minimum for the transaction and that they would pay for any associated fees, charged by the originating platform, up to {$75.00}. 
I've initiated 3 transfers, they all failed. I've raised cases XXXX, XXXX and XXXX to get resolution on these issues. 
For the first 2 transfers, I was told that the balance I'm trying to transfer is too low and it has to be above {$75.00}. This contradicts their promises and constitute false advertizing. When I asked, repeatedly, how that reconciled with their claim that there was no minimum amount for the transfer, I was given no reasonable answer. 
In Case ID : XXXX, instead of sharing my information, they sent me information about a user named XXXX and the names and amounts of shares this user holds in their account. 
In case XXXX, I was told that : - " Your transfer was unsuccessful because your other brokerage firm uploaded a larger debit amount than Robinhood can accept '' - which is false - my attempt was " rejected today XX/XX/2022 due to insufficient funds to cover a debit balance '' - how is that possible given the above statement? 
- " Your incoming transfer includes a - {$75.00} charge from the brokerage account/firm you are transferring from. Since your Robinhood account nor your delivering brokerage account have enough cash to cover this - {$75.00} the transfer can not go through. '' - That again is false as the amount I was transferring at that point exceeded {$75.00} even though, as mentioned above, I believe that per the promises made by Robinhood to the consumers, this limit should be irrelevant. 

I've exchanged over 20 emails and multiple in-app support chat messages with Robinhood support XXXX However, their support is utterly incompetent where all they have done was provide me with false information, referred to the wrong transactions, disclose other consumer 's sensitive information. In the end, I received the following statement from them via email : " This is XXXX. This is the final response we will be providing in regards to your failed transfer as we have provided an answer to this various times ''. 

I took the conversation to XXXX, where sent 15 messages tagged to Robinhood executives and their support team. I've gotten no traction and no resolution.
Product: Mortgage

Shellpoint Mortgage transferred our loan to XXXX on XX/XX/2019. Our regular payment ( via ACH ) arrived to Shellpoint on the same day. Shellpoint lost our payment. I have proof of the payment. Shellpoint will not send our payment to XXXX or refund our money. I have called Shellpoint several times and the problem has not been resolved. A similar situation happened the previous month ; our Bank sent an ACH to Shellpoint on XX/XX/2019 for our XXXX mortgage payment and it finally cleared on XX/XX/2019. I am a XXXX year old home owner with a perfect payment record. I have worked extremely hard to protect my credit rating. I have been treated unfairly by Shellpoint and feel powerless to influence them to refund the payment or send it to XXXX. Can you help?
Product: Credit reporting, credit repair services, or other personal consumer reports

I am glad to see some improvements to my report, including the removal of several accounts I had previously disputed. Yet, this is still some accounts on my report that is false and was resulted from identity theft. I am asking for your assistance in getting rid of the last few items on my report. Any account reported on an identity theft report must be removed or blocked by the credit bureaus in accordance with FCRA section 605b. In order to help stop false information from being submitted on my report, I have included a few papers. 
XXXX XXXX XXXXXXXX XXXX Balance Owed : {$0.00}
Product: Checking or savings account

BBVA transitioned Simple Bank customers over to their online banking at XXXX on XXXXas of noon the following day XX/XX/21 the millions of us who have been trying to access our accounts can not do so because of their broken system. The call center they told us to call is pretending they cant hear us, laughing and cursing. I have no access to my money or accounts for two days now and that is totally unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are an UNAUTHORIZED and FRAUDULENT inquiries on my credit report ( XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). I am not the one who initiated these inquiries. I am submitting a complaint regarding this inquiries and for assistance to REMOVE them from my credit report immediately.
Product: Checking or savings account

On XX/XX/XXXX, an unauthorized debit in the amount of {$1300.00} was performed on our checking account. It mentioned online realtime transfer to XXXX XXXX, transaction # XXXX, reference XXXX XX/XX/XXXX. When I noticed such transaction that same day, I contacted Chase immediately. They mentioned that it showed as a transaction paying a XXXX XXXX account. I mentioned that the transaction doesn't belong to us and request opening an investigation. Claim number assigned by Chase was XXXX. 

On XX/XX/XXXX, Chase responds that the claim doesn't proceed because it allegedly was done with my wife 's login credentials. We proceeded to change and suspend login credentials for my wife and I changed password on my credentials. I again insist that the transaction was done incorrectly and in XX/XX/XXXX, my wife and I submit a letter where we state that we've never had a relationship with XXXX XXXX and that funds should be credited as soon as possible. On XX/XX/XXXX we receive another letter stating that our claim was denied. I contacted XXXX once again and they stated they were going to forward all available information for our review. This never happened.
Product: Debt collection

My credit report is showing two debts in the amount of {$1500.00} & {$78.00}, with no account numbers reporting to my credit reports. I tried to validate these accounts years ago with no avail. I was never sent anything that validated that these debts belong to me. However, in the past, I was sent a release of medical records to validate such debt. I shouldn't have to release my medical records to allow a debt collector to validate a debt. That is very personal and inhumane. I would like for the company to validate such debts by showing legal documents, the original bill, my signature on such bill with amounts owed to validate such debts. All contact is to be made via this website. DO NOT CONTACT ME BY PHONE, MAIL, OR EMAIL. Please upload documents here with your response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, XXXX, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX XXXX and autograph as XXXX XXXX XXXX XXXX in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Truth in Lending Act protects the natural person against inaccurate and unfair credit billing and credit card practices. 
Fact, the Truth In Lending Act Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose, to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. 
Notice, it is a fact, affiant is aware, 15 U.S.Code 1637 ( b ) ( 2 ) ( A ) refers to a request to resolve a billing error, by providing all documentary evidence for clarification of who funded the account. Until that request is done SYNCB/LOW can not report late payments in accordance with regulations of the Bureau,12 CFR 1026.13 ( d ) ( 3 ). If SYNCB/LOW reports late payments without meeting the requirements under 15 U.S.Code 1637 ( b ) this is a violation of 15 U.S.Code 1666b and all late payments reported associated with the account numbers XXXX Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do not require subrogation of the bond to settle the charge
Product: Credit card or prepaid card

My Credit Line was suspended in XX/XX/2023 due to non payment. I was not aware of this until XXXX, 2023, as I tried to use the card for a purchase. In XXXX, 2023, i paid off most of the account, not knowing it was suspended. The account manager i spoke with, did not inform me that my account was suspended. I put myself in financial trouble trying to pay this balance off. 

The reason why the card was maxed out was that i had XXXX in XXXX and so did my daughter. I had to purchase everything with XXXX XXXX. It was very expensive. 
Since, my suspension, i was told nothing more than suspension reviews were conducted every month. I was given no review, or opportunity or even instruction on how to re-instate my account. 

In XX/XX/2023, I spoke with a review manager on the account and was told that my account would not be re-instated until my debt was paid off on my credit report from another company, not Discover. 
How is this right? I am forced to pay a credit card i can not use, and not able to use it because I owe a different company money.
Product: Debt collection

Just so happened to see this on my credit report. I sent a dispute letter and the company came back as it did n't have enough information to investigate. XXXX, They recieved my name, birthdate, so called origional creditor ... If these people can add this collection to the credit bureau, then they can find me in their system. If they " ca n't find me '' as they say, or fully validate any account, they have NO right to try to collect. It 's my right to request valadation or they must delete collection from report. Valadation includes any signed documentation that I have with them showing any connection between us.
Product: Credit reporting or other personal consumer reports

XXXX  XXXX account number XXXX was discharge in my XXXX bankruptcy filing this is the only other XXXX  XXXX card I have so the dates arealso incorrect XXXX no one would give credit I was still in my bankruptcy, alsoI see it has been reported XXXX they should not still be reporting to the credit bureau
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am submitting this complaint regarding fraudulent accounts and credit inquiries that have appeared on my credit reports due to identity theft. I have attached my FTC Identity Theft Report ( Report Number : XXXX ) as supporting documentation. 

Details of the Identity Theft After reviewing my credit reports in XX/XX/XXXX, I discovered multiple fraudulent accounts and unauthorized credit inquiries that I did not initiate. The details are as follows : Fraudulent Accounts Opened in My Name : XXXX XXXX XXXX ( Auto Loan ) Opened fraudulently in XX/XX/XXXX XXXX XXXX XXXX ( Credit Card ) Opened fraudulently in XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX ( Credit Card ) Opened fraudulently in XX/XX/XXXX XXXX Bank ( Credit Card ) Opened fraudulently in XX/XX/XXXX XXXX XXXX ( Credit Card ) Opened fraudulently in XX/XX/XXXX Unauthorized Hard Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Equifax Mortgage Services XXXX XXXX XXXX XXXX XXXX Additionally, fraudulent personal information ( including a different name and address ) has been associated with my credit reports.