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

I recently did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 

XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX Also, In accordance with the Fair Credit Reporting Act, the list of accounts above have violated my federally protected consumer rights privacy and confidentiality under 15 U.S.C. 1681.

15 U.S.C. 1681 Section 602 A. States that I have the right to privacy.

15 U.S.C. 1681 Section 604 A, Section 2 States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 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 reason to believe that the information is inaccurate.

15 U.S.C. 1681c ( a ) ( 5 ) Section states no consumer reporting agency can make any consumer report containing any of the following items of information Any other adverse item of information, other that records of conviction of crimes which antedates the report by more than 7 years.
Product: Money transfer, virtual currency, or money service

In ( XXXX XXXX XXXX +XXXX  ), I transferred XXXX XXXX ( XXXX XXXX XXXX ) cryptocurrency from my hard wallet to my Crypto.com address/account. The token never arrived in my account on crypto.com. 
I immediately asked them to verify what happened, and I receive the answer that I didn't make any mistake and that the crypto.com team would verify and get back to me ( which never happened ). 

Today, XX/XX/2022, after more than 90 days, I decided to ask them again, but now they say they don't support that type of transaction and I lost my money. 

I won't wait for more than 90 days without an answer. 

The link below provides the transaction hash : XXXX XXXX XXXX I've uploaded a pdf with all the conversations I had in the past with them, especially where I ask if I did any mistakes, and they confirmed I didn't, where they have a dedicated team that can search and possibly retrieves the funds if necessary! 

I appreciate any help on this matter!
Product: Credit reporting, credit repair services, or other personal consumer reports

Portfolio Recovery Associates is listing 2 separate accounts as in an open status. They are both from the same creditor XXXXXXXX XXXX. They are both paid collections and should be listed as a closed status.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to first apologize as this is definitely still a learning process for me. I am truly attempting to understand the things that are not said which creates the hrey space in which some organization operate. 

In XXXX of XXXX I was on XXXX XXXX and receiving outpatient care. I ended up XXXX  in XX/XX/XXXX for a few months and missed a payment. I made the payment but then had some additional medical issues that left me incapable of executing my financial responsibilities. In XXXX of XXXX I applied for a loan modification which was not approved until XXXX. In XXXX of XXXX my house was damaged due to hurricane Florence which was a natural declared disaster. My credit report has been changed several times by Freedom Mortgage until they just put a delinquent status for 4 months XXXX XXXX to XX/XX/XXXX ). During that time I was in a Forbearance, natural disaster and military orders. Do any of these impact how information is reported to the credit agencies? 

This year I am in a Forbearance however I was current went the Forbearance was implemented yet there is no positive reporting. Is it only negative information that is reported? Please pardon my ignorance
Product: Credit reporting, credit repair services, or other personal consumer reports

After paying the loan in full. Affirm added the account to my credit report with a status of late. 
Somehow this came out as verified after XXXX investigated it.
Product: Debt collection

On XX/XX/2024 I filed a quit claim deed to revoke power of attorney from XXXX XXXX XXXX XXXX  but they refuse to drop the auction even tho they don't have any power of attorney over my property..
Product: Credit card or prepaid card

o Tickets purchased through XXXX on XX/XX/XXXX in the amount of {$260.00} for 3 tickets to see XXXX XXXX  in Concert on XX/XX/XXXX at XXXX in XXXX XXXX XXXX Maryland XXXX Order # XXXX. 
o XXXX XX/XX/XXXX, received email from XXXX stating that the event that had been scheduled on XX/XX/XXXX then XX/XX/XXXX ; the event was rescheduled for XX/XX/XXXX. ( All due to Covid concerns ) o On XX/XX/XXXX, received an email in regard to event being cancelled that was scheduled for XX/XX/XXXX was cancelled. This email notified me that I would receive a refund of all charges within 30 days. Please note that this email was received 11 days after the event was to occur. 
o I waited for the refund of {$260.00} ; contacted XXXX XXXX late XXXX about refund. I was told by XXXX XXXX that I would be receiving a check in the mail. 
o I was emailed a few days later that the refund was sent to XXXX and was excepted by XXXX so XXXX said there was nothing else that XXXX could do about it. 
o XXXX was contacted and they had no transaction of the refund and that the account XXXX was closed. This account was closed by me sometime in early XXXX I believe because it was too easy to get into debt with the convenience of XXXX. 
o The XXXX was closed, there was no record of receiving the refund from XXXX, but I was told that the refund probably transferred to XXXX XXXX XXXX and they would issue refund ; more phone calls, more run arounds, and no resolution of money owed me. 
o I checked my Fidelity VISA transactions and noticed that I had a refund from XXXX dated XX/XX/XXXX. Great, this whole mess is finally resolved! 
o I again checked my Fidelity VISA transactions again. There was a transaction of a charge reversing my refund on XX/XX/XXXX, XXXX Who stole from me this time? XXXX, XXXX, XXXX XXXX XXXX, or Fidelity VISA? 
o XXXX of this, I want resolution on this in the form of a refund on the Fidelity VISA account immediately in the amount of initial transaction amount of {$260.00}.
Product: Credit reporting or other personal consumer reports

Upon reviewing my TransUnion credit report, I have identified unauthorized inquiries. I kindly request the deletion and blocking of these items that do not belong to me within the next XXXX business days.
Product: Payday loan, title loan, or personal loan

This is my second complaint about this company. I understand that as a consumer its my responsibility to manage my debt however when i took this loan i took it with good faith that I was going to be able to pay it since I had a full time job. That wasnt the case, I ended up losing my job as my XXXX  got bought out and they downsized my department. I fell in to default and thats when the harassment begin and continues to this day. 

Ive been getting calls, emails AND even texts messages stating that I will be taken to court for this loan, I am in the state of Texas and that is highly illegal. Ive tried to work with them to settle this debt but life has happened and working part time and trying to stay a float is tough. However today I called in because on a holiday, CFW left me a threatening voicemail AND a text message saying I was going to be taken to court. I spoke with XXXX and it was the worst experience Ive had. She started threatening over the phone stating I wasnt helping my case because i didnt want to give her a set date as to when I would be able to pay the loan. Thats when all broke loose and she started telling me based on my pay dates she was going to set it up for XXXX and forcing me to agree to something. 

I was essentially forced in to an agreement just so I could get off the phone and stop her from suing me. 

Unacceptable
Product: Mortgage

Our mortgage loan was transferred to a new servicer in XX/XX/XXXX. 

On/about XX/XX/XXXX, we received the XXXX XXXX Account analysis ( dated XX/XX/XXXX ). 

The analysis increased our monthly mortgage by a total of {$710.00} due to anticipated escrow payments for the XXXX tax year and an escrow shortage in the amount of {$4800.00}. 

XX/XX/XXXX : We called the servicer to get an explanation/understanding of the shortage. We explained that we had a homestead exemption for the XXXX tax year. The rep informed us that she could not locate any relative documents in our file, and requested that we send the documents again. That same day, we sent the email which included our XXXX tax bill from XXXX XXXX and the receipt as attachments. We were informed to follow up in a week. 

A week or so later we followed up only to find that our file/ticket had been Closed. At that time, we requested that the file/ticket be reopened as the issue had not been resolved. 

XX/XX/XXXX : We called and spoke to a XXXX who informed us that he would look into the issue, and that he would call or email us back. 

XX/XX/XXXX : XXXX : We had not received a call or email from anyone, so we call the XXXX. We were informed that nothing had been done with the file and to check back on on Wednesday. 

XX/XX/XXXX : We call once again only to find that our request to have our escrow account reanalyzed taking into account of homestead exemption had been denied. The reason being the homestead exemption did not cover all of the taxes. ( Our XXXX property taxes were {$2000.00}. The homestead exemption was {$2000.00} ).
Product: Debt collection

I turned in the XXXX equipment no need to be charged over for it
Product: Debt collection

I was sent a letter by an attorney  XXXX   XXXX  with  XXXX   XXXX   XXXX   XXXX .  XXXX   XXXX ,  XXXX  CA  XXXX . They stated that I owed  XXXX  to  Capitol One  Bank  XXXX .  XXXX   XXXX .  XXXX , VA  XXXX , and they were going to obtain judgement against me for that. This letter was dated  XXXX   XXXX ,  2017 , I had 30 days to write them back and dispute the debt. I did so, and asked to see the application for the debt, and to know where the moneys were sent to. Because I never signed such an applicaton nor have I ever recieved any moneys from them.   They wrote me back a letter with reciepts attached f rom Capitol One Ba nk. Not what I requested? Nor was it any help to me.   I am going to reply to both  Capitol One a nd  XXXX   XXXX   XXXX , but have not yet done so as I am requesting help from you.
Product: Credit reporting or other personal consumer reports

TRANSUNION AND XXXX HAS FAILED TO REMOVE XXXX XXXX  FROM MY CREDIT REPORT. XXXX HAS INVESTIGATED AND REMOVED THIS ACCOUNT FROM MY CREDIT REPORT DUE TO INACCURACIES AND MY INFORMATION BEING INVOLVED IN A DATA BREACH. TRANSUNION HAS FAILED TO REMOVE XXXX XXXX FROM MY CREDIT REPORT EVEN THOUGH THEY'VE YET TO PROVIDE ME WITH THE DOCUMENTS THAT I REQUESTED TO VERIFY THAT THE ACCOUNT BELONGS TO ME. IVE SENT SEVERAL DISPUTES AND NOTHING HAS BEEN RESOLVED. TRANSUNION AND XXXX HAVE TWO DIFFERENT CREDIT LIMITS AND OPEN DATES FOR GRAIN TECHNOLOGY AMONGST OTHER THINGS. I ALSO DONT RECALL THE ACCOUNT AND THEY HAVE NOT PROVIDED ME WITH ANY INFORMATION VERIFYING THE ACCOUNT IS MINE. I WILL ATTACH DISPUTE LETTERS AND THE DISPUTE RESULTS OF XXXX REMOVING THE XXXX  ACCOUNT. I WILL ALSO ATTACH MY FTC REPORT AS WELL.
Product: Credit reporting

there is an account showing with XXXX which is not mine. I have previously been a victim of identity theft and this is one of the accounts listed on the police report and bureaus refuse to remove.
Product: Vehicle loan or lease

So the time of the repossession me and my husband had already split up his name was first on there I don't believe it should be on my credit report as I didn't have the vehicle in my possession although because he had taken a vehicle from me before it was repossessed I had personal belongings in the vehicle that were not sent to me including my mom and dad 's ashes some of my children 's clothes some of my clothing some very important things that are on replaceable because my parents are not deceased and when I contacted them to get my belongings back they had no idea what I was talking about but they were in the vehicle because a friend of mine had seen it being repossessed and everything was in the vehicle cuz she went up to them to talk to them
Product: Debt collection

Disputed with company online XX/XX/18 stating I did not have knowledge of account. The company updated account XX/XX/18. Having not known what that meant i sent via certified mail XX/XX/18, a letter ( example uploaded ). The dispute was opened XX/XX/18 and company again updated XX/XX/18 without the requested verification. XXXX  deleted the account stating meeting FCRA requirements XX/XX/18.
Product: Credit reporting or other personal consumer reports

I requested my information and I have yet to receive anything. 

Please have this company upload the following documentation. 

Last XXXX  months of billing statement, payment history, the terms and conditions of this agreement, and a document showcasing how my payments were applied. I.E. allocation of payment.
Product: Credit card

I obtained a credit card from Bank of America that I kept in perfect standing at all times. when payments were due, I always paid double or more rather than the minimum amount due. I made a payment before midnight and not knowing the cut off time was XXXX, was charged a late fee. While discussing the situation with an associate a few days later, she got very out of hand and we wounded up exchanging a few argumentative words. I saw where I was not getting anywhere, decided to hang up. She ( I believe ) submitted a request on my behalf to close the account. Not knowing this until I attempted to pay a bill, called the bank and was told that I requested to close the account. They would not reissue my card unless I reapply and they would run my credit which has a hard inquiry toward my credit score. Should I have to go through this after assuring them that I did not request to close my account? Your assistance is greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX # XXXX # XXXX # XXXX XXXX XXXX XXXX # XXXX 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  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 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: Checking or savings account

As of XX/XX/year>, I have approximately {$17000.00} worth of stock assets and around {$7000.00} in cash in my Robinhood account. I attempted to make a {$4000.00} payment to my XXXX XXXX ( XXXX ) account from the cash balance in my Robinhood account, but the transaction was rejected. I immediately contacted Robinhood support via chat, and they informed me there were no restrictions on my account and advised me to check with XXXX. Upon contacting XXXX, they confirmed that the issue was on Robinhood 's side. 

To resolve the issue, I decided to withdraw {$5000.00} from my Robinhood account to my bank. However, this attempt resulted in my account being temporarily restricted, and I could no longer access or withdraw my funds. I contacted Robinhood support, who requested bank statements and other documents for verification. I promptly submitted the requested documents and was told to wait for a phone call by XX/XX/XXXX. 

On XX/XX/XXXX, the support response changed, stating that I should expect a phone call by XX/XX/XXXX. However, on XX/XX/XXXX, it was updated again, saying I would receive a call by XX/XX/XXXX. This pattern has continued, and the deadline for support contact is now listed as XX/XX/XXXX. I no longer believe that Robinhood will resolve this issue by the stated deadline. 

As of now, my account remains temporarily restricted, leaving approximately {$17000.00} in stocks and {$2300.00} in cash inaccessible. Despite repeated attempts to resolve this issue, Robinhood has taken no meaningful action to address the problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted TransUnion and ask that tgey address the following issues on my report. They have failed to do so resulting in my credit being updated and causing harm to me by way of unfair interest and credit worthiness. 

1. Remove unknown and inaccurate Names, Addresses, and Employment. 

2. TransUnion has also failed to update my XXXX card account ( acct # XXXX ) to reflect a balance of XXXX. I have checked with XXXX along with the two other major credit companies, all have properly reported this account accept for TransUnion. The last update TransUnion allowed was XX/XX/2021.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022
Product: Credit reporting or other personal consumer reports

Just how in the world was I ignored multiple times with my requests to have these accounts verified because I don't think they were reported with a hundred percent accuracy. This has been making me feel ignored and XXXX because how am I supposed to go on with my life knowng that my credit scores has negatively impacted my applications for so many things and it's all because these accounts weren't even verified or certified to a maximum accuracy.
Product: Credit reporting or other personal consumer reports

am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent INQUIRIES and ACCOUNT that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent INOUIRIES and Account from my credit report. : XXXX XXXX  XXXX : number XXXX
Product: Credit card or prepaid card

Somehow My father accidentally added me as an authorized user on his credit card at   XXXX   XXXX    I was never and have never been involved with his  XXXX  account and never had anything to do with it. I never signed anything or was asked if I desired to be added to the account. I have since had myself removed from the account but it still effected my score. It shows a drop from the  XXXX  's down into the  XXXX  's and has affected my ability to get an addiquit house loan.  XXXX  removed me from the account but my credit report still shows that I was responsible for the account for some period of time. I need this to be removed from my credit report entirely because like I said I never authorized any such thing and I feel like whoever processed this without my permission has done something entirely illegal. What would keep me from walking into a  XXXX  and telling them that I want to add  XXXX   XXXX  as an authorized user on my account and affecting her credit score. It just does n't make any sense. I know this was a misunderstanding and my father never intended to add me so that is n't the issue, it 's just my credit report that is the problem.  XXXX   XXXX  has done what they can and removed me from the account, I just do n't know how to make the credit report agencies understand that I was not ever involved at all
Product: Credit reporting or other personal consumer reports

Equifax is reporting unauthorized fraudulent inquiries on my credit report. I also have incorrect names on my credit report as well. Whenever Equifax send mail it has XXXX XXXX XXXX XXXX that is not my name. And they are also reporting employment that I do not work for.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection Bureau, CFPB : SEVERAL FEDERAL DIC, FDIC, INSURED BANKS ARE ENGAGING IN BANK FRAUD, ROBBERY, AIDING AND ABETTING BANK FRAUD, ROBBERY, HIRING PEOPLE WHO MAKE ERRORS AND OMISSIONS, MISTAKES, AND XXXX-XXXX  ACCIDENTS. THOSE BANKS BEING ( INCLUDING BUT NOT LIMITED ) TO XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ( NOW XXXX ), XXXX XXXX XXXX XXXX, AND XXXX XXXX XXXX XXXX. ALL ACCOUNT CLOSED. DO NOT HAVE COP XXXX COUNTY COPS XXXX XXXX NOR THAT CONFUSED XXXX XXXX A. GOOD BADGE XXXX CONTACT ME EVER AGAIN. HOLD THEM ACCOUNTABLE AND HAVE THEM CEASE AND DESIST, MAKE CORRECTIONS, FINE THEM, AND TELL THEM TO MOVE THE XXXX ON. 

TRACE ALL CASHIERS CHECKS BECAUSE I AM THE PURCHASER AND THE ONLY PAYEE. THOSE ARE GUARANTEED FUND FOR ME, MY FAMILY, AND MY VERY XXXX XXXX  SAFETY ONLY. I DID NOT PLACE A STOP PAYMENT, I DID NOT REPORT THE CASHIER CHECK LOST, STOLEN, DAMAGED, FORGED, AND I HAVE NO KNOWLEDGE OF A LEGAL STOP PAYMENT. THAT IS MY VALID SIGNATURE ON ALL CASHIER CHECKS. 

XXXX YES, I WANT TO PRESS CRIMINAL CHARGES. I DO NOT OWE XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, NOR XXXX XXXX XXXX XXXX XXXX XXXX NOR XXXX XXXX XXXX XXXX. AND XXXX NO THEY CAN NOT WRITE OFF DEBTS I DO NOT OWE AND REPORT TO ANY XXXX NOR 3 CREDIT BUREAUS ( XXXX, XXXX, NOR EQUIFAX ) AFFECTING MY CREDIT AND SAFETY ABILITY TO MOVE ONWARD. THEY ARE IN VIOLATIO OF 15 USC 1692 AND EACH BANK OWES ME {$1000.00}. 

I ATTEST, AFFIRM, AND CERTIFY THE STATEMENT AND INFORMATION IS VERY ACCURATE, VERY TRUTHFUL.
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX