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

I did found out this morning that I received the email from XXXX XXXX said that I have XXXX point off on my credit score. Because of Inquiries ( Target credit card ) I didn't apply for target credit card on XX/XX/2022. I will like to please remove that in my credit and MUSR BE FRAUD. I just spoken to XXXX live person said I have to go thru fill it out paper form on FTC.GOV. I give them my drive license and social security and explain to them what happen then mail it. they will received from me then they will remove target credit card on my credit.
Product: Vehicle loan or lease

XX/XX/XXXX I submitted a consumer statement to my credit file through XXXX. I was not aware of the damage incurred re my ALLY FINANCIAL LATE payments caused as a result of the COVID pandemic. My late payments were the result of financial hardship. Ally Financial reported 13 late payments during months ; XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
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 : DEPTEDXXXX  Account Number:XXXX  Account Name : XXXX XXXX XXXX Account Number:XXXX  Account Name : XXXX Account Number:XXXX  has violated my rights. Or a list of inquiries : 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX addressed to the Credit bureaus requesting to remove the NAMES, ADDRESSES, and Public Informartion that is UNKNOWN to me. According to the FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit reporting Agencies are required to remove any accounts and information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint & I am including it again. If XXXX and TransUnion choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. I need the Credit Bureaus to please remove the disputed items completely from my Credit File : XXXX XXXX XXXX, XXXX, 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, CA XXXX XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX
Product: Debt collection

XXXX 's XXXX is charging me a collection debt on a membership that was already canceled in person. I've contacted the gym but they say I never canceled my membership. I'm 100 % sure I canceled my membership since they had restricted access to the gym and I no longer wanted to pay full price for a gym membership where I didn't have full access. I have an email where I specifically ask for my account to be frozen and they stated that I had to pay a past due fee which I did. I refuse to pay XXXX $ for a mistake they did but I have no way of proving I payed because I payed in person and lost the receipt. The same thing happened to my girlfriend but she got fooled into paying twice. XXXX XXXX is ripping people off.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX 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: Debt collection

Debt collection agency is adding a additional 25 % in fees to balance owed to XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 15 U.S code 1681b ( a ) ( 2 ) I am aware that a consumer reporting agency needs the written instructions of I, the consumer, to furnish a consumer report. Without written instruction this consumer reporting agency has committed fraud by using my identifying information without any lawful authority to furnish this information on my consumer report. Please provide the written instructions that I, the consumer, gave to XXXX which has authorized the furnished information. If you can not provide me with these instructions written, this has been a fraudulently made consumer report using my identifying information. 

XXXX. Addresses : XXXX XXXX XXXX XXXXXXXX XXXX VA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX, XXXX XXXX XXXX XXXX XXXX Ca XXXX XXXX. Phone number : XXXX XXXX. XXXX. XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. XXXX XXXX XXXX XXXX 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 XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, transunion and XXXX completed investigations of 5 school loan accounts that are negative, credit destroying accounts.I disputed them as not mine.they are not mine ;, all 3 investigation summaries are attached.XXXX   came back certified that they are mine.both transunion and XXXX verified that they are mine.THEY ARE NOT MINE! 
EITHER IT IS ID THEFT OR MORE LIKELY THE " UNEDUCATED '' DEPT OF EDUCATION 'S FAULT.I CALLED THEM AND THEY REFERRED ME TO THEIR COLLECTOR SAYING THEY HAVE NO INFORMATION.I UNDERSTAND I CAN SUE THE CREDIT BUREAUS FOR KEEPING FALSE INFORMATION ON MY REPORT AFTER INVESTIGATION WHICH I MAY PURSUE. 
I have attached the investigation paperwork from 31 days ago. 
I want them suppressed immediately, then permanently removed from my credit files and history.The community service Police of XXXX XXXX will be at my house shortly to take a police report and investigate.
Product: Credit reporting, credit repair services, or other personal consumer reports

My bank called me and told me there was a unknown charge on my account. They wanted to verify if it was mine and they were correct it was not mine. I then later that day got a second call from another bank and I immediately knew my identity had been stolen. I got online and made a account with XXXX XXXX and got a copy of my report. For several years my name and social was used to open accounts that are not mine. Please remove these items from my credit report. 

XXXX XXXX XXXX XXXX {$6400.00} XXXX XXXX XXXX {$510.00} XXXX XXXX XXXX  XXXX {$1200.00} DEPT OF EDUCATION/XXXX XXXX {$26000.00} XXXX XXXX XXXX {$400.00} XXXX/XXXX XXXX XXXX {$24.00} XXXX XXXX XXXX XXXX {$2500.00} XXXX  XXXX XXXX XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00}
Product: Mortgage

On XX/XX/XXXX, I replied to Shellpoint 's email on how to make my loan escrowed ( send insurance declarations, insurance receipt, tax receipt ). I sent all the required documents. They have yet to respond to me. I have called the company 4 times since XX/XX/XXXX asking for updates to which they tell me " we don't have any because that department only works with emails, not phone calls ''. Their chat support also replies in the same manner. I simply want me loan escrowed and have followed every one of their required steps but they ignore my communication.
Product: Checking or savings account

On XXXX, XXXX, XXXX NFCU, mishandled the phone to assist me for a dispute. After she refused and disconnected the call. I am resorting to CFPB to resolve. 
The issue is I was charged for an appointment : According to the above the consultation was NOT completed. ( On this point, it was done via text and ongoing for a couple of days. ) It was cancelled because consultation was not completed I received a phone call from XXXX XXXX on the night before appointment XXXX because they did not have the hair available. 
No service was performed and I spoke with rep whom stated no service could be performed as they were not ready to go forward. No understanding of what I wanted was given. I send a picture of my hair desired look. ( via text ) From there the I received a call from rep and moved forward with purchase of hair NFCU {$360.00} dollars. I do not have the hair and the was manipulated with a color not requested and not in it original state as bought. However, at the end of day I do not have the hair. ( NEVER RECEIVED IT ) The merchant has done something which was not requested. This action has caused the hair to not be in the original state and it has been altered. 
The hair has been altered from its original state Never received the product.

Please refund all monies in this regard I requested a call from the manager and I left a message for her to return my call but no response. I tried to communicate with XXXX for resolution for communication in this regard but no response there either.
Product: Credit card or prepaid card

Previous complaint never properly resolved. Overcharged {$71.00}. Merchandise either defective or provably undelivered. XXXX acknowledged the total failure and gave a {$7.00} shipping credit. An admission of wrongdoing. I received a letter from Discover saying the account is closed. Now a week later they are billing me for the totally bogus ILLEGAL charges and applying interest. Discover isn't clean as well having spuriously charged me {$30.00} on a " returned check fee '' when I wrote no check and had some problem getting Discover to recognize a new bank account. The ILLEGAL FRAUDULENT THEFT charges will never be paid.The account has been closed and I am NOT RESPONSIBLE FOR ANY DISCOVER FICTION.
Product: Checking or savings account

On XX/XX/2019 I discovered that my XXXX cell phone CIM card had been swapped without my knowledge. This enabled thieves to have access to my phone and banking information. 

The same day, the thieves went to two separate branches of Bank of America and were able to make over-the-counter withdrawals of {$2500.00} from my savings and two withdrawals from joint checking in the amounts of {$4500.00} and {$6300.00} for a grand total of {$13000.00}. These fraudulent transactions were reported the next day to Bank of America and a police report with the City of XXXX was also filed. 

Over the last seven weeks, I have received no communication from Bank of America either by phone, email, or letter. I still do not have any documentary acknowledgement of the claims from Bank of America. 

After having spend 47 minutes on hold in order to speak to a member of the fraud department, I was informed that we were only on day 36 of a 90 working day process to investigate my claim and resolve it. ( My understanding is that federal regulations require these items be resolved in 60 calendar days. ) Additionally, I complained to a supervisor in the fraud department and was given no estimates or  assurances of when my funds would be returned and was fobbed off by the excuse that BOA has to work the claims backlog in order and that they were very busy. 

The amount of time to resolve this issue and return my funds is excessive and I am beginning to suspect that this slow-playing of legitimate claims by customers may be intentional on the part of the bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke to an XXXX dispute rep today as well as a supervisor about an account that are still reporting inaccurately on my consumer report. I also explained that the accounts should be deleted as they are inaccurate. Account # XXXX - Prof Debt Mediation let me know they could not verify the debt so they requested to delete the trade-line. XXXX and XXXX have deleted Professional Debt Mediation. Yet, XXXX has not. Also, while on the phone with a supervisor explaining this at XXXX, I was hung up on. This is far from okay and I will be seeking out a lawyer to address the violations.
Product: Student loan

I 'm with Navient and was encouraged to enroll in the Income Driven repayment plan. I make XXXX a year, however, that does n't show/take into consideration what I pay for yearly rent, car payment, insurance, credit card & medical debt. My first couple of payments were close to XXXX. Very manageable. With in a few months, my payment shot up to {$570.00}. I ca n't pay that monthly, which drove me in to Navient 's next " best option '' forbearance. They also wo n't allow you to change your payment plan unless you call them. You can only apply for deferment or forbearance on their site. I know they 're in a law suit right now, so I 'm hoping this complaint helps with that. They made no efforts in truly educating me on the income based plan. To my knowledge the first few years of payments would start low and end higher based on my income growing. Clearly this was n't the case. And the amount of interest I 've incurred because of forbearance is just ridiculous.
Product: Mortgage

I am having a new issue where XXXX  keeps not answering this new problem that I have with them. This is completely brand new and there is a lot of miscommunication. The payment for XX/XX/XXXX was done and the payment is not being as reported for that month. This absolutely has nothing to do with XXXX and XXXX being reported on time or a late payment. It has to do with the fact that this payment needs to be updated as paid on time for the month of XXXX. I am not staying or complaining that the payment is late. My complaint is that XXXX  is not reporting XXXX as paid to XXXX. The current report is no payment has been made which is incorrect. 
I contacted on XX/XX/XXXX asking XXXX  to fix the way they are reporting the XX/XX/XXXX payment ( see attachment ). It is currently reporting as no data, which is incorrect. XXXX  XXXX  participates in the Illinois Hardest hit program. The HHF Homeowner Emergency Loan Program ( HELP ) provides mortgage assistance to homeowners who have experienced at least a 15 % income reduction due to a qualifying hardship event. 
As you can clearly see from the hardest hit document a payment of {$6500.00} was made on XX/XX/XXXX, which confirms that the payment for XXXX was made. On XX/XX/XXXX I sent XXXX  an email asking you to correct the problem. I also sent them a follow up email on XXXX XXXX. 
I also went to the corporate office 4 times and spoke with XXXX XXXX who referred me to XXXX XXXX the compliance officer. I called Mr. XXXX three times so I could have this problem resolved over the span of two weeks. To date, he has ignored my calls and not responded to. I find this very inappropriate because the corporate office on XXXX specifically directed me to this individual to resolve the problem I am complaining about today. 
Today I got a letter from XXXX saying my claim was resolved. However, the resolution they made has nothing to do with what I have been asking them to do. It refers to late reporting for XXXX and XXXX in XXXX. I have informed XXXX  in person, via email, and over the phone that they have not corrected this problem. I am reporting them also to the consumer finance because I am paying them a lot of money and when I ask them to resolve a problem they don't listen. Again XXXX is reporting no data, which is incorrect. It should be reported as paid for the month of XXXX. 
There should be a green dot on the credit report for the month of XXXX. Currently the month is being reported as no payment made. When I contact XXXX  there response is " we contacted the data furnisher and the listed account was verified as accurate. The results of the reinvestigation were forwarded to you on XX/XX/XXXX. '' Its important that XXXX  fixes this because the interest rate on my insurance is a 4.999 % and the interest rate has significantly went down significantly and this error is affecting my ability to refinance and get a better rate.
Product: Money transfer, virtual currency, or money service

I am writing to file a formal complaint against Robinhood due to ongoing issues with the approval of my account application. I have been attempting to open an account since joining the platform in 2018, but my application has not yet been approved, and I have not received adequate explanations for these delays. 

Details of the Complaint : Username on Robinhood : XXXX Nature of the Issue : Application has been repeatedly under review and no definitive feedback or resolution has been provided. 
Despite multiple inquiries, the responses received have been unsatisfactory and have not addressed the core issue of why my application remains unapproved. I am concerned about the lack of transparency and the potential impact on my financial opportunities. 

I kindly request a detailed explanation of the reasons behind the non-approval of my application and what specific steps I need to take to resolve any issues. Furthermore, I would appreciate prompt attention to this matter and an expedited review of my application. 

Please let me know if you need any more information to facilitate your investigation. 

Thank you for your attention to this matter. 

Sincerely,
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER XXXX U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Product: Credit reporting or other personal consumer reports

These credit reporting organizations have not respected my disputes and are in violation of FCRA rules. Under 15 U.S.C. Section 1681i ( 6 ). They have not supplied me with written results of their inquiry or a statement stating that the reinvestigation process has been completed. That should have been sent 5 business days after the investigation concluded. It's been almost 45 days since I voiced these concerns, and I have yet to get any such notice or comment from their agency. This is when the law, namely 15 US Code 1681i ( 6 ), comes into play, and they are required to follow it.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of a mortgage account from XXXX XXXX, located at XXXX XXXX XXXX XXXX, XXXX, TX XXXX, under the account number XXXX. 

This account has resulted in a fraudulent 30-day late payment for XX/XX/year> appearing on my consumer FICO credit report. I do not recognize this account or the late payment as reported. The aforementioned account is the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that the account is fraudulent and due to identity theft.
Product: Credit reporting 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 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items 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 them immediately in my 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received the following notification from XXXX " CCB/BREADCASHBACK made a Bank / Credit Card Inquiry by checking your XXXX Credit File '' The address listed is XXXX XXXX XXXX, XXXX, OH XXXX. 

I have made no new credit applications and am not familar with this bank. I have made a report with XXXX. 
I tried to find company information online and found several links to this bank but all were ads and promotions for opening new credit card accounts. Other than the above address I could not not find a phone number or other contact information for this bank. 

I do not know if this is an issue with this bank or of someone committing fraud. Around XXXX I was the victim of someone filing a false federal income tax report using my information.
Product: Checking or savings account

XXXX XXXX I called Bank of America because I saw some transactions that was made in XXXX and I was in XXXX they looked into it Bank of America said Im in good standing with them. But when I tired to open and bank account it said I had some on my report saying fraud..