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

Robinhood placed an account restriction on my account citing under review due to unusual activities. I did not do anything which violates any Robinhood policy, terms of service, or law. All funds on the account are rightfully mine and were transferred from bank accounts under my control. I am currently unable to transfer funds or open new positions with the stock brokerage which has effectively locked me out of a large percentage of my monetary assets. 

I reached out to Robinhood support directly to request information on what flagged my account and approximately how long the investigation would take. I am open to cooperating and providing any supporting documentation that is needed. However, the service representative was unable to provide a clear answer to either questions.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX. I made a request for Credit from XXXX XXXX. I was denied and then received a notice that I could view my denial letter online. So following the instructions to view this the Words were the following " Based on a report from 3 Local Agencies it shows I am deceased. I assure you I am not deceased. I have attached the denial Letter stating I was deceased as well as I am XXXX XXXX since XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

My consumer report contains multiple errors : inaccurate personal information, addresses that were never associated with me, wrong phone numbers, inaccurate bankruptcy information ( wrong Case number, asset amount ). 
I've tried several times to fix it with Experian. But they either never answer or just send you a letter that the account was verified. They never answered my request to provide method of verification and the name of the person they had verifies the information with. Moreover XXXX of the XXXX XXXX told me the never share information with CRAs. So the furniture of the information on my Experian consumer report is inaccurate.
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 XXXX XXXX XXXX. States I have the right to privacy. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 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. 

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

Hello, I sent XXXX, XXXX, and XXXX letters asking them to investigate and verify my debt on my credit report just to make sure the names, amounts, dates and everything else involved with the accounts were accurate. I have received the credit bureaus responses and uploaded them to this case. They have stated that everything is verified and correct, and validated correctly, however, my credit report is still showing inaccuracies and inconsistencies. I have highlighted all of the inaccuracies by circling the account name and underlining the inaccuracies and inconsistencies in RED pen. You will be able to see my credit report from before and after their updated reports to show as proof that it is still showing inconsistencies and inaccuracies. In accordance with the Fair Credit Reporting Act XXXX XXXX. XXXX ( A ) ( XXXX ), the following accounts have violated my rights, which states that " 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. " : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

AN ACCORDANCE OF FAIR CREDIT REPORTING ACT XXXX XXXX AND XXXX  XXXX HAVE VIOLATED MY RIGHTS UNDER 15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY. 15 USC 1681 SECTION 604A SECTION 2 IT ALSO STATES THAT CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY READING INSTRUCTIONS. UNDER 15 USC 1666B A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN AND CONSUMER CREDIT PLAN AS LATE ON ANY PURPOSE. MOREOVER THE LATE PAYMENTS HAVE BEEN REPORTED DURING 2019 WHICH WAS A COVID YEAR, DURING THAT TIME FINANCIAL INSTITUTION DID NOT HAVE A RIGHT TO REPORT ANY NEGATIVE ITEM TO THE CREDIT AGENCIES.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports. DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATION/XXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATION/XXXX  XXXX XXXX DEPT OF EDUCATIONXXXX XXXX, and XXXX XXXX XXXX XXXX. Please remove these accounts ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are unverifiable XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and I have also ask the creditor and credit bureau to provide with proof bearing my signature that I owe this debt. They have both failed to do so. 
Also, 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. 1
5 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 als
o states a consumer reporting agency can not furnish a account without my written instructi

ons 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

The data furnishers indicated that disputed accounts are accurate. However, they don't send any documentation to prove that the accounts are accurate. 

If they really validated the accounts, why is my credit report showing errors. Check the reasons for every accounts indicated in the attached documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

my account is showing 30days late and is not 30 days late. says its late for the month of XXXX XXXXnd payments are due on the XXXX of each moth
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

XXXX : XXXX XXXX XXXX  Account number XXXX Equifax XXXX XXXX XXXX Account number XXXX XXXX : XXXX XXXX, Account number XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611. Please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation
Product: Credit reporting, credit repair services, or other personal consumer reports

I have resided in Tenn since XXXX on XX/XX/XXXX there was a attempt to open a account with XXXX XXXX Bank to get a car loan in California. I called XXXX XXXX and they confirmed someone did indeed tried to open a account but they blocked it since I have alerts placed with all 3 credit bureaus stop fraudulent attempts to open accounts without my knowledge and alerted all 3 bureaus of attempt to open account in my name, XXXX and XXXX removed it from my report, TransUnion on the other hand still refuses to remove it from my report saying that is my responsibility to prove that its not me who did this. So could you please look into this matter and hopefully resolve it so TransUnion will remove it from my report. 

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

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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: Debt collection

this is on my Experian, please ask them to remove the following that are not my accounts. # 1 XXXX XXXX account # XXXX # 2 XXXX XXXX account # XXXX # 3 XXXX XXXX account # XXXX # 4 XXXX XXXX account # XXXX XXXX XXXX account # XXXX please help with this I wrote to XXXX and they had these deleted after they investigated .... this is NOT a DUPLCATE request Thanks for your help in this matter, there are are 10 's of thousands XXXX XXXX in Texas.Thanks again
Product: Credit reporting or other personal consumer reports

I have sent multiple dispute to this company about inaccurate reporting and falsely saying accounts are verify you can only verify accounts with the actual creditor or company and they have not they went throw third parties where information is reporting inaccurate 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 & Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : 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. The bankruptcy court do not report to the credit bureaus that is a violation of my hippa rights
Product: Credit card or prepaid card

One day when my card was declined, I called into the bank and discovered multiple purchases that I did not make. The representative told me some of these were online purchases. After filing my disputes for the fraudulent unauthorized transactions, I asked specifically for the names and addresses for billing and shipping for the purchases to demonstrate I did not make the purchases, as well as to assist in any legal prosecutions. 

There are two separate claims because some of the transactions were pending at the time, and I had to call into to file another fraud claim on them once they had cleared. 

The bank decided that I had authorized the larger of the two claims. In their decision letter, the information I requested was not provided, and no evidence nor explanation was provided to as to how the bank came to that conclusion. I firmly maintain that I did not make nor authorize any of the transactions. 

The bank informed me they had decided the second claim in my favor and that payment of it to my account was pending, but I have yet to receive it after almost 2 weeks. 

Claim 1 : XXXX Claim Amount : {$570.00} Result : Bank claims authorized. 

Claim 2 : XXXX XXXX XXXX : {$110.00} Result : Bank decided in my favor, but has yet to pay me back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I look at my credit weekly due to fraud with someone having same name and DOB as me in same city, now I am seeing a lot of inquires on my credit on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX from several companies I have had no contact with nor have any idea who they are and what they be using my ssn number for as I am not needing anything regarding my ssn number. The companies that have illegally used my ssn information is Westlake Service XX/XX/2020, XXXX XX/XX/2020 and XXXX XXXX XX/XX/2020. I would like these illegal inquires removed immediately as well as documentation showing my id and signature allowing use of my ssn. Furthermore I was working on each one of these days 12 hours and we are not allowed phones on my job which is a little more alarming as to how my credit was ran without my consent or me in person.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, a dispute was submitted to XXXX on behalf of XXXX Bank, XXXX bank XXXX and XXXX XXXX Bank. The Dispute disclosed the evidence needed to validate that the Debt that is reported to being to XXXX  BANK, XXXX BANK XXXX AND XXXX XXXX BANK in fact does not belong to those credit agencies as they have been sold to another company and paid. 

XXXX BANK account ending in XXXX was sold to XXXX XXXX XXXX XXXX ( XXXX File Number XXXX ) Final payment was resolution payment was received XX/XX/XXXX. 

XXXX BANK XXXX account ending XXXX was sold to XXXX XXXX XXXX XXXX and final resolution payment was received XX/XX/XXXX. 

XXXX XXXX Bank was sold to XXXX XXXX XXXX. 

by XXXX agreeing to publish the inaccuracy of the account information on my credit report, they too are violating the FCRA statue.
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. 


Account name : XXXX XXXX  XXXX XXXX Account XXXX Account name : Untitled Account XXXX Account name : XXXX XXXX XXXX  Account XXXX has violated my rights. Or 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

My XXXX XXXX XXXX sent me a credit alert, stating a credit card balance over {$500.00} from XXXX XXXX, which I do not have. Someone mustve used my personal info to open a credit card account under my name. I went to a local branch, but they dont see anything strange under my name. The only business I ever did with XXXX XXXX was a balance transfer, which I paid off long ago. I never opened up any credit card accounts after that. The alert even showed I had a change of address, which I obviously didnt. This fraud account has dropped my credit score over XXXX points and its concerning me, as I work VERY HARD to pay all my accounts on time every month.
Product: Credit reporting, credit repair services, or other personal consumer reports

I enrolled in Experian 's Boost feature on their website, connecting my bank accounts so that streaming service payments could be identified and reported as payments on my credit report. The goal is supposedly to boost your credit score by a few points - at least that is what Experian advertises ( https : XXXX  XXXX ) and heavily promotes. 

But my accounts have not been added and I have not received any of the promoted " boosts '' to my credit score for regular payments. When I called today, Experian customer service stated that I had to have utility bills, streaming services, or phone bills to qualify, and that those services had to have been paid three times in the last six months. 

My streaming services are : XXXX -paid XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX - all in XXXX. 
XXXX - Paid XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX- all in XXXX  XXXX XXXX  account # XXXX - paid XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX - all in XXXX XXXX XXXX account # XXXX - paid XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

None of these accounts have been added to my credit report as promised even though I have exposed my bank account information to Experian on their promotion and advertisements that I would. 

The Experian website states that the bank connections from XXXX XXXX to Experian were successful, so there are no connection issues. 

When I called I was told there was no " guarantee '' that these would be placed on my credit report but the advertising and promotions say otherwise.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company reported this problem does not belong to them ( XX/XX/2023 ) Company pulled 4 hard inquiries ( discrimination ) no reason for them to pull these requests at all
Product: Credit card

On XX/XX/XXXX, I contacted Capital One about a payment plan for my card ending in XXXX. I was awarded enrollment in the XXXX XXXX XXXXXXXX and told I needed to make the agreed upon payment on $ XXXX by last day of the month to stay enrolled and avoid additional interest fees. I made a {$30.00} payment on XX/XX/XXXX. In XX/XX/XXXX, I received notification that my plan had been cancelled, my account had been closed and charged off, and that I was responsible for the full balance. I called Capital One and was told because an autopay on XX/XX/XXXX for {$130.00} failed that I was in default of the payment plan. I still had 20 days to make a payment, which I did. And it was the agreed upon amount set forth in the written XXXX XXXX XXXXXXXX that I received from Capital One dated XX/XX/XXXX. Not once was I told that if an automatic payment failed that I would be considered in default or that my account faced being closed or charged off.
Product: Mortgage

I have a problem with the loan modification. I got a loan modification in XXXX after getting my mortgage refinance by a predatory lender. The loan modification ened in XXXX. I pay my mortgage every month and I just noticed that less and less of my payment is going to the principal and more to the interest. I have been paying this since XXXX, and after 13 years out of {$650.00} only {$93.00} is going to my principal? They are corrupt and the govenment should be investigating them. I want a audit of my mortgage and I will pay for it.
Product: Credit reporting or other personal consumer reports

XXXX XXXX - XX/XX/2023 - {$68.00} XXXX XXXX XXXX - XX/XX/2023 - {$900.00} XXXX XXXX XXXX - XX/XX/2023 - {$460.00} XXXX XXXX XXXX XXXX - XX/XX/2023 - {$290.00} On XX/XX/2023 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response, yet I feel like Im being take advantage of and ignoredonmydisputes.
Product: Bank account or service

My husband and I bank with PNC and someone obtained his PIN number and made a fake debit card and took almost {$3000.00} from us all with atm withdrawals. We live in XXXX and this took place in XXXX. It was never stopped and we were never notified. I was under the impression they had 10 business days to return our funds temporarily while they investigate. Here we are day 10 after we filed the claim with no credit to our account. XXXX have been told they do n't know when the money will be put back onion and that it could take as long as 45 days all awhile they are incouraging us to use my husbands credit card which is of course through them and suggest that I open XXXX as well with them. We are very frustrated as we have a child and have bills to pay.
Product: Debt collection

Sa-Vit Ent Inc XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nj XXXX This Company has been reported as pasted due balance on my XXXX CREDIT REPORT. I do not know this company. I have never done any business with this company. This company does not have contact with my signature
Product: Credit card or prepaid card

Barclays Bank Delaware ( Barclays ) in concert with XXXX Mastercard and XXXX  XXXX  are in violation of committing unfair or deceptive acts in violation of FDCPA, 15 USC 1692 a-l, the FCRA, Barclays - Your Cardholder Agreement with Us, Investment Company act of 1940, Public Law 73-10 as well violations of 15 USC 1 Restraint of Trade, Insurance Fraud, and XXXX. Barclays issued Payment Coupons that were tendered as payment that were not honored and refused to accept Federal Reserve notes for payment. 

I contacted Barclays several times to make payment and they refused saying they only took XXXX dollars. XXXX XXXX told me I was unable to receive XXXX dollars from my account and they would only give me Federal Reserve Notes. Barclays also refused to take their payment coupon attached to the monthly statement as payment. I made several attempts to pay with the payment coupon as well as with Federal Reserve Notes and those tendered payments were refused. In UCC 3-603 ( b ) If tender is made and refused then there is discharge. 

Since Barclays refused to accept Federal Reserve notes which are legal tender for all debts public and private, there can not be a debt associated with this Account.