23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in a letter addressing some inquires on my credit report that I did not authorize. I reached out to the companies & was told they have no record of my inquries. I then contacted the credit bureaus with the same issues & they did not properly investigate my request I was basically told we can't help you go talk to the company reporting it.
Product: Credit card or prepaid card

I recently filed a complaint regarding this company and the way they handled the decrease of my credit line. I contacted them regarding mishandled payments on my account by the bill pay company and they did not inform me that they were going to lower my credit limit even though they refunded the late fee. I could have provided information from the bill pay company to support my claim that this was their error and not mine. I had 9 months of no missed or late payments. I contacted the credit card companiy 's service department where I was told the account was open and not closed. When I filed my complaint, they closed the account.
Product: Money transfer, virtual currency, or money service

XX/XX/year> I sent money through cash app it was a person fraudulently acting as someone I know I sent XXXX different transactions {$60.00}, XXXX, and XXXX it was all a scam and cash app aka XXXX back says they cant do anything I called and reported it to no avail
Product: Checking or savings account

Hello, My issue started when I opened a Checking Account via a promo offer through Bank of America. I had a credit card with BOFA before I opened the new Checking account, where I could make payments using a third party checking account ( ach debit ). The day I opened the BOFA checking, the third party account was instantly removed from my payment account options in my online banking/bill pay. This was extremely frustrating. Recently, I made a payment to my credit card without thinking that it was going to come from my BOFA account because I don't use that account for much. I keep a low balance in the checking as it is. I'm deeply concerned about the practices at BOFA where they don't allow their customers to use an external account to make payments. On top of this, the manager I spoke with ( XXXX XXXX at the call center refuted what I was saying when I told him that the account was removed. He didn't believe that the systems at BOFA would act that way. 

I simply believe to my core that this is a bigger issue than what it appears to be. Because of this issue, I was assessed an OD fee of {$35.00} to a checking account I barely use. To say this is frustrating wouldn't begin to describe how I feel about this scenario. Had my external account never been removed, we wouldn't be here. 

You can retrieve the calls from when I spoke with customer service ( Checking & Credit Card ).
Product: Credit card

Take a look at the attached documents. I am requesting the bureau to begin an investigation into these accounts, as I have never been late, despite being reported otherwise.
Product: Credit card or prepaid card

I had numerous defective orders from XXXX over XXXX. When I went to get a return and refund, XXXX wanted me to pay more than the price of the items in return shipping so I filled disputes. Citibank not only discriminated against me, they also allowed XXXX  to cause me fraud. I still have the defective and wrong merchandise they sent waiting on a prepaid return label or an address within the US to ship to. I never received that. 

So CItibank assisted XXXX and their merchants to defraud me, a XXXX individual nearly $ 1K! 

Case ids : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

rented a truck from budget, had a blowout, blamed me and billed me {$510.00}. bill was accidently paid twice a month apart. can not get a refund. some excuse that technical issues prevent them from issuing a refund. sent me to collections in the meantime. have sent all documentation to collections, they have resolved, but still can not get refund from budget.
Product: Student loan

Mohela capitalized interest on my loans atleast twice during federal administrative forbearance periods where interest was NOT supposed to be capitalized. My loan balance has now increased to over XXXX. Atleast {$2000.00} but possibly $ XXXX is incorrectly capitalized interest.
Product: Checking or savings account

XXXX Transactions that I tried to dispute an called bank of america advising them that I sent the money in error but they stated that they can not give me my money back so I am filing a complaint an would like for my money to be put back into my account
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

in accordance with the Fair Credit Reporting act Receivables XXXX Account # XXXX, has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX Account # 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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity Theft and the Credit Bureaus are refusing to honor my request for a block of fradulent accounts and information under FCRA 605B. I have sent my FTC Identity Theft Report, my police report and have also submitted my information to the Attorney General in my state. I have fulfulled ALL the needed requirements and the bureaus are WILLFULLY non complying. I spoke to a representative from XXXX to ask if they received my police report and she said " we can't use this police report '' and we have opened investigation and you will hear in 30 days. '' I told her no, they had all they needed for 605B and they were to block within 4 days. She said they was not going to block because anyone could just go down and get a police report and claim ID theft. I told her that wasn't a judgement call for her to make that 605B requirements have been met and they needed to block I know the law well enough to know that there are only 3 reasons a CRA can refuse to block : 1. If the request is made in error. ( It's not ). 2. If the facts were materially misstated. ( how could they possibly know or obtain evidence to prove that or reach that conclusion ( especially within 4 days ). 3. If they had knowledge the consumer received goods or services with the transaction ( which I have not ). If the CRA follows the FCRA exactly, then it MUST put the identity theft block in place, within 4 business days, once it receives an identity theft report from a consumer. None of these is the case, so I want to know exactly why they are willfully breaking the law.
Product: Checking or savings account

I was a customer with Robinhood Markets Inc since XXXX. 

In XX/XX/XXXX, I asked them if it was okay that I would go to XXXX to study for a XXXX XXXX XXXX. They said that's fine as long as I update my information. 

In XXXX, I got a new phone number, then when I called to update it, the incompotent employee XXXX told me Robinhood will still support my account while I was abroad. Then when I told her my new phone number, she immediately put a restriction on my account and told me to liquidate immediately because Robinhood isn't allowed to support me while I'm studying abroad. 

Eventually after speaking to incompetent and unknowledgeable staff after another unknowledgeable staff, they finally put me in contact with some very creepy and unresolving guy named XXXX who instructed me to " Liquidate my crypto '' in order to initiate a ACAT transfer that they had the nerve to tell me to pay {$50.00} for despite giving me misleading information. 

I tried to speak to other staff from Robinhood, but XXXX kept interjecting himself into my encounters with other Robinhood staff so that I couldn't speak with someone even though I told Robinhood I don't feel comfortable speaking with XXXX. His very domineering and incredibly abusive from what I gather. I sent him screenshots of problems with the app, I was trying to liquidate my crypto but my Robinhood Crypto account was essentially locked, I couldn't trade any crypto and it wouldn't liquidate and XXXX knew this but he kept demanding that I liquidate. He wasn't listening to anything I was saying and despite me telling their security team I didn't feel comfortable speaking with this creep, he kept overtaking the communications with Robinhood staff. 

Despite lying to me about being in another country, their creepy customer support guy XXXX continued to bully me and belittle me when I maintained I had a problem with their platform, it was malfunctioning and then they essentially kicked me off the platform. If they had told me back in XX/XX/XXXX that I can't have an account with them while I was in another country, I could have lived with that. I never had a problem with them in the past but this time was different and they treated me with an unacceptable amount of disrespect. How the XXXX can anyone treat someone like this, first you lie to me then you kick me off your platform because you fed me the wrong information but that's somehow my problem? 

I lost a ton of money when they liquidated my assets without my permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX i mailed my 1st dispute via certified mail XXXX to XXXX, PA XXXX marked delivered on XX/XX/XXXX at XXXX XXXX. They responded in a letter dated XX/XX/XXXX saying they were unable to process my request. I resubmitted dispute which tracking XXXX shows delivered on XX/XX/XXXX. The completely ignored my request until my 3rd letter they received on XX/XX/XXXX via XXXX. They responded in letter dated XX/XX/XXXX which surprisingly stated our records show that we have previously completed an investigation as verified by data furnisher. When in fact they stated on XX/XX/XXXX letter saying unable to process my request and my 2nd letter was ignored? I am confused. Now in this last letter they mentioned the rule " As outlined in the FCRA, unless you have additional relevant information that supports the change you are requesting ( i.e., a letter from creditor or courthouse .... ) we are not required to reinvestigate the same item again at this time. '' My 4th and final letter which I will attach contained a letter from US Bankruptcy Court Office of the Clerk XXXX District of Florida dated XX/XX/XXXX. My letter was once more ignored. Recently, I applied for credit and was denied due to this information. Upon receiving my report as requested from them dated XX/XX/XXXX, this public record is still not removed USBK Court Southern Florida. I have been more than understanding with the changes with COVID-19 might delay processes but the rules are the rules and now I believe that I have been taken advance of. They have failed to maintain the regulations and I need this public record deleted. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may consern : My identity has been stolen and accounts had been opened in my name with out my knowledge, this report is been created in effort to clear my name. A copy of my drivers licence and a utility bill is attach to confirm my identity. I am requesting that this account must be removed from my credit report as per the FCRA fraudulent account must be removed from consumers credit report.
Product: Mortgage

On XXXX different occasions, mortgage payments in XXXX different amounts were attempted out of my bank account, not my husbands, whose name is on the mortgage. Bank of America, Mortgage Company, attempted to collect XXXX different times of {$770.00}, which is no the mortgage amount out of my checking account, and caused a surplus of overage and fees. Because the mortgage is in my husband 's name I could never speak with them directly, I had to wait for XXXX months before they would grant me access to speak with someone regarding our mortgage. I submitted a letter, scanning, mailing and faxed, regarding the amount charged to my checking account due to their unfair practice of submitting ACH transactions to my account. My account was abused so much, I had to have the bank to place a hold on account, which caused me to open another account to perform banking transaction out of.
Product: Mortgage

On XX/XX/XXXX we received a loan modification that extended our mortgage term from 30 years to 40 years that included our unpaid deferred payments with a new mortgage payment of {$3000.00}. We signed loan modification documents twice, the 2nd time we signed our loan modification offer was on XX/XX/XXXX. 

Today we received a new loan mortgage payment statement stating that we now have an Escrow shortage of {$8100.00} raising our agreed to modified mortgage payment of {$3000.00} to now {$3700.00}. 

There is no way we can afford this increased mortgage payment since I had to retire on social security income due to on going health issues at my age of XXXX XXXX XXXX due to XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Why was this Escrow shortage not included in my recent loan modification?
Product: Credit reporting or other personal consumer reports

After reviewing my credit report I Noticed a fraudulent account on my report per following XXXX XXXX  XX/XX/2023 account number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX  and stopping me from getting this job offer XXXX now XXXXXXXX XXXX XXXX cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Credit card or prepaid card

I started working at XXXX department store located at XXXX XXXX XXXX XXXX, IL XXXX operated by XXXX XXXX. I started work with them XX/XX/2021 and because I was only XXXX I opted to use the Wisely ADP payroll card. They initially sent the prepaid card to the wrong address. After multiple calls from the XXXX XXXX, XXXX HR and also me we were able to update and fix the address. At this point 4 weeks of paychecks had been deposited into my account and I was owed {$470.00}. Every single card they would send to me, once activated was showing {$0.00} and it seemed not to be connected to the XXXX account. My mother spoke with the customer service numerous times and they would repeat the same verbiage and we could never get any help. Also, the Store Manager of the XXXX store along with HR for XXXX have tried multiple times to get this resolved. It has now been a year and I have yet to receive my funds and when I've contacted XXXX they just put it on Wisely ADP. The store managers name is XXXX XXXX. I would like to be made right for this money owed as I did work the hours. XXXX can confirm that I worked all hours and I am still owed {$470.00}. Please help me resolve this issue. Thank you
Product: Credit reporting or other personal consumer reports

I am formally contesting any inaccurate or undocumented information found in my credit report. This includes unverified claims, which I challenge under the FCRA and the accepted STANDARD of XXXX XXXX data field reporting. The alleged delinquency and inquiries lack factual proof, and it is inappropriate to report claims known or should be known to be unlawful. 

Listed below are the Personal Information that are being challenged Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX, XXXX, FL, XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX, XXXX, FL, XXXX Employer - XXXX XXXXL Employer - XXXX XXXX Incorrect DOB : - XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX Incorrect Name : - XXXX XXXX XXXX Incorrect Name : - XXXX XXXXXXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Inquiries that are being challenged 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 opened a credit card account with XXXX XXXX in XX/XX/XXXX. It is reported on my credit as discharged in a bankruptcy that was filed in XXXX. The bankruptcy was discharged in XX/XX/XXXX. Therefore there is no way the credit card could have been issued, run a balance, charged-off within one month, and be included in a bankruptcy that occurred a year prior. Additionally, I have paid this account in full and it shows on my credit report as a charge off and derogatory. They have also reported differently to each credit reporting agency.
Product: Mortgage

XXXX XXXX was my original mortgage company. The ownership of my mortgage was transferred over to XXXX XXXX XXXX XXXX XXXX. 
But they are not the servicer of my loan. The servicer is Specialized Loan Servicing LLC. The Loan was transferred XX/XX/2018. 
Since the transfer, I have not received a detailed statement ( escrow balance, payments made on my behalf, verification of homeowners insurance and property taxes paid ) or ANY statement for that matter. I have called several times only to be promised a statement to no avail. 
Not only do I not have any way to pay my mortgage without a statement, they want to charge me a service fee to pay over the phone! 
I have escalated this issue to the managerial level several times and have been promised I will receive a statement. I have NOT received one to date.

I am concerned that there may be some sort of fraudulent activity with this company.
Product: Student loan

In XX/XX/XXXX, XX/XX/XXXX, they continue to contact my references listed on my loan who have no bearing on paying this loan. They will not lower my payment, they change every other day on the overdue days. They mis report payments. 
Their interest rates constantly change and not within the market rates.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 Experian deleted an unverifiable bankruptcy. How under status of the following account the still have discharge in bankruptcy. 
Since they removed an unverifiable bankruptcy they must remove from any account or delete the account. Here are the following inaccurate accounts : 1.XXXX  XXXX  XXXX 2 . XXXX XXXX They are reporting a balance on XXXX XXXX XXXX of XXXX. I do not owe a balance on this account. They are reporting a charge off. This account was not charged off.
Product: Money transfer, virtual currency, or money service

I was attempting to purchase a dog from a website when I was scammed out of {$990.00} over XXXX on XX/XX/22 at XXXX and called the bank ( Chase ) at XXXX XX/XX/22 and was told there was nothing they could do. They said they would not refund my money. I then reached out to XXXX as well to let them know about their fraudulent account they allowed money to transfer to and they also said they would not help me obtain my money lost ( also contacted XX/XX/22 ). I reported the scam to the bank within 1.5 hours of it happening and provided all information on website, phone number/texts and no help was provided.
Product: Credit reporting or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX Balance : {$330.00} XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX  XX/XX/2022
Product: Debt collection

I recently viewed my credit report and noticed a collection account, from a company that I am not familiar with, NCB MANAGEMENT.. I tried to contact the original creditor,XXXX XXXX XXXX but to no avail. 
Not only do I not know of the original creditor, but I also received no formal communication, in regards to the debt, right to dispute the debt, or to rights to request the validation of the debt. It only appeared on my credit report. 
As I have a fraud alert on my credit report, I was not made aware by the bureaus of any inquiries made or new accounts added to my reports.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX Balance : {$21000.00}