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

I noticed fraudulent charges in my trade account with Robinhood, and i contacted them immediately. 

Someone had gotten access to my account, sold all of my stocks, and transferred all the funds out. 

I first notified Robinhood of this on XX/XX/XXXX via email. They have no number for me to call. 

Aside from asking what transactions were fraudlent and for me to proivde ID they have no responded to me since. I've continued to email on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX but have no received any response other than an automated responses on XX/XX/XXXX saying thanking me for providing the information ( which was provided on XX/XX/XXXX ). 

I contacted their XXXX  account on XX/XX/XXXX as well asking for a number to call, but have been told they do not have any help line and that they would escalate my case.
Product: Debt collection

XXXX XXXX XXXX XXXX agreed to a settlement through their agent XXXX XXXX of CU Recovery on a collection account. I have paid as agreed upon but they continue to report a balance and have even flagged the account as a new XXXX, further damaging my credit and creating hardships for my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with FED LOAN SERV. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and FED LOAN SERV with no successful resolution. XXXX, XXXX  and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two inquiries on my report that I disputed with XXXX and the credit bureaus. I also spoke with XXXX  concerning the two inquiries and XXXX stated they do not show the inquiries in there system. XXXX told me to dispute them with the credit bureaus and I did. TransUnion, XXXX and XXXX keep stating they verifed the inquiries. The credit reporting agencies did not verify. If this was true they would be removed. I called XXXX again and they stated the credit bureaus did not verify anything with them. The inquiries were on XXXX XXXX, XXXX and XXXX XXXX, XXXX. These inquiries are affecting my score and I want them removed immediately! The number I used to contact XXXX is : XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of account/item which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX, NJ XXXX, XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXe : {$0.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy ... and the bank 's records ( learned through more research both parties require ). Please block/remove this file. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible. 

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: Vehicle loan or lease

Ive reviewed my report and noticed that I didnt authorize for this company to use my information. The dates are from XX/XX/2022 through XX/XX/2022.
Product: Credit card or prepaid card

My identity was stolen I contact Discover Card. They did their own investigation they provided me with a letter stating that I was not a fault and they would update my credit report now they're trying to hold me liable after they provided me the letter and they're still refusing to remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX reportedly announced me as guilty of check fraud because I had reported it and drawn funds against a check I had deposited. This was then used against me by XXXX XXXX   using XXXX XXXX as a credit reporting agency. 

XXXX  is waiting for an associate with XXXX XXXX to admit that she had made payment arrangements before the payment was late. This has since been paid in full but still holds up my credit report somehow, further impeded by the multiple efforts to get a mortgage refinance so I can get out of debt sooner. These inquiries, about 50-60 total, also hold up the process.
Product: Debt collection

I've had repeated emails from them asking for me to pay a collection that does not exist. I spoke to the original creditors ; I believe they are going to remove it. Yet this third party is trying to collect the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I moved from my last apartment on  XXXX   XXXX ,   XXXX  . I paid the bill we received in  XXXX  but nothing after that. However, I see that {$110.00} has been sent to collections and is a negative mark on my credit report. I called in  XXXX    XXXX   to close my account so I do n't know why I was ever charged for months that I did n't live in the apartment. I have a lease to prove that I was not in the apartment for the charges ( {$110.00} in  XXXX    XXXX   ).     I contacted  XXXX   XXXX  but they refused to do anything about it unless I could provide written proof that I contacted them to shut off my account in  XXXX    XXXX  . I did this over the phone so I have no  paper trail.
Product: Credit reporting or other personal consumer reports

This morning, I was shocked to discover incorrect accounts on my credit report, and I can't understand why. I regularly check my report, and everything was always fine until now, but today, there were unexpected discrepancies. I even refreshed my browser, thinking it might be a glitch, but unfortunately, the errors remained. Because of this, Im requesting a thorough review of the documents Ive submitted so that I never have to deal with this worry again.
Product: Mortgage

Applied for a refi loan on XX/XX/XXXX with XXXX XXXX. He provided me with an estimate and asked for a {$500.00} good faith deposit via email that I gave him using my XXXX XXXX credit card. I was " conditionally '' approved on XX/XX/XXXX and processing was transferred to XXXX XXXX who asked me to pay my XXXX real estate taxes prior to the estimated closing date of XX/XX/XXXX. The XXXX County Tax Office replied to me via email that such info would not be available until XXXX XXXX. I asked Mr. XXXX if he there was another option and he said that he did not know. That was the last time that I heard from Amerisave until XXXX XXXX at which time Mr.XXXX emailed me saying that my file had been closed due to incompleteness. I placed a dispute with XXXX XXXX and they credited the {$500.00} back to my account and gave Amerisave until XXXX XXXX to reply, which they did not do until XXXX XXXX asking for an extension " to reply '' until XXXX XXXX. I am a XXXX  years very old and infirm retired person who was trying to lower his monthly payment but was bamboozled by this Company, I need the money to pay my bills, I live on Social Security and a small annuity payment of {$250.00} every month This company has been very heavily fined by that Bureau for their shady/ilegal practices. 
Please help me. Thank you.
Product: Payday loan, title loan, or personal loan

This account with BMW FIN SVC with account number XXXX, has been paid, and thus, it should be removed from my credit report. There is no longer any balance on it and it has been closed. I have reached out to the XXXX, XXXX and XXXX Bureaus and to the furnisher but no response was ever made by both of them. They have neglected my request of giving me a response or deleting this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has placed 5-30 day late marks and 2-60 day late marks. There should only be 2-30 day late marks and zero 60-day. My payments are automatically withdrawn from my account and are always made within 30-days!
Product: Credit reporting or other personal consumer reports

Good day! I'd like to let you know that the transactions on this account and its respective charges are all fraudulent to which I never benefitted from. Please prevent further harm and fraud to my personal information by having all these fraudulent transactions and account removed from my credit report. It would be a big help. Thank you.
Product: Credit card

I was approved and given a statement of account for a charge card with bank. Bank staff refused to provide I with a credit card device with correct name and continues to attempt to alter name and use in reference to name.
Product: Debt collection

I want to be absolutely clear : I did not approve these transactions to be in my consumer report, neither in writing nor verbally. So, I formally ask to block and remove them from my record. This isn't a mistake, nor is it based on any misrepresentation. These transactions were included without my clear consent or instruction. I'm stressing this to show how serious my request is. It's based on accurate info, and I'm not trying to deceive or manipulate the situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

These companies are reporting my information without my consent. I sent them notice that I am aware I'm of the fraudulent reporting. According to my federal laws 15 U.S. Code 1681b - Permissible purposes of consumer reports they need my permission to report my information and I haven't given them my permission
Product: Mortgage

I have been working on my current loan modification for 3 years now with no resolution. This is my 3rd attempt at a loan mod. Some years back I completed a loan mod on my own. After the trial payments were completed and additional payments made the loan docs were never re-done to reflect the new loan terms. I was forced to stop payments due to the lack of new docs showing my new loan moving forward. A second loan mod package was completed again on my own. At the end of this process with a week or two left to close, my loan was sold to a different servicer. I was in shock. I started a new loan mod package with them. At t the end of this process they approved me again, however, my payment was going up more than {$1500.00} a month? At this point I was told take the deal or you will be forclosed on. Granite, my income had gone back up but I stated my income fluctuates and it will be tough to maintain that payment. They did n't care and pressured me into that mod or be foreclosed that month. A CLEAR VIOLATION OF FRANK DODD. Of course, after 12 months of payments I could not manage the payment anymore. Now after 3 years with representation, I still have no resolution. In fact, XXXX 5 months ago I challenged them on their valuation of of my property and them trying to deny my loan mod. I 'm a real estate appraiser and rebutted and destroyed their appraiser and valuation. To my surprise that entire loan package was lost/deleted or who knows and I was asked to submit a new complete package. This brings you up to date. Of, course they want me to submit more docs as I write to you today. Lastly, they have put my house in the foreclosure process again as I am still in negotiations. My lawyer asked why they did this and he was told because they can. Again, forclosure notices taped to my front door, mailings to the house, phone calls from people that want to buy my house. My kids harassed on the phone. The XXXX is now unbearable. I 'm not sure they even have a clear title on my property. This servicer has VIOLATED Frank Dodd by pressuring me etc. 
I 'm claiming reverse RED LINING due to my home being located in an affluent predominantly white neighborhood. And for the same reason just mentioned above, I claim I 'm being discriminated against. Please Help!
Product: Credit reporting or other personal consumer reports

There is information on my consumer report that is a result of identity theft. I did not give any written permission in accordance with the FCRA to have the below identified transactions furnished on my consumer report. Please block the reporting of this information. The identified transactions are not related to any transactions by me the consumer. This block is not being made in error, or on the basis of a material misrepresentation of fact. I am, in fact, requesting this block on behalf of myself. 

Accounts are listed below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

For the last 3 months, I have been getting double withdrawals on my mortgage. It was reversed the first two times in 3 days after my calling and straightening out the auto-pay process with the bank. I called within three days this time as I did not get the reversal, and I don't understand why it is still happening. The bank is saying they can not start the process until 4 days after it is posted which would be XXXX. 

This is the 3rd time this bank has double-debited my account, and this feels like fraud to me. My bank account empties for days after the double debt, then it takes time to refund me. 

It is important to note that this bank does its paperwork by USPS Mail and not electronically. I did not receive their welcome letter when I started my mortgage a year ago and called at that time to work with their advisors - she did not mention auto pay or the welcome letter. In XXXX I opened a case, and they claimed in XXXX. 
I don't think anyone would be happy about having an additional {$3200.00} taken out on the 1st of every month unexpectedly. The bank is taking my money for 1 week every month- so they earn the interest, and I do not have the money in my account to pay my bills.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my 3 Bureus consumer report and I noticed some late payments/inaccurate information posted on my consumer report : US DEPT ED XXXX Balance {$3600.00} US DEPT ED XXXX Balance {$5200.00} US DEPT ED XXXX Balance {$7700.00} US DEPT ED XXXX Balance {$3600.00} US DEPT ED XXXX Balance {$4000.00} US DEPT ED XXXX Balance {$2600.00} US DEPT ED XXXX Balance {$2500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE DO NOT MARK AS DUPLICATE, I HAVE VERIFICATION. XXXX XXXX should be listed as paid in full for less than the full balance. My account should reflect a zero balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXX XXXX  and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX Experian and XXXX has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the following accounts listed below. I believe it was reporting in error. 
XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$890.00}
Product: Money transfer, virtual currency, or money service

A person in my household made an unauthorized transaction on my Paypal account to a foreign company, XXXX XXXX on XX/XX/XXXX. The charge was made via Paypal against a XXXX XXXX Credit card. I received the necessary notifications, showing the authorization as {$7700.00} ( or XXXX XXXX ). I immediately contacted XXXX XXXX advising of the charge and they processed the cancellations, within XXXX mins of the charge. It seemed the crisis was averted and all was handled. XXXX days later I received a notification from XXXX XXXX that {$7300.00} was refunded, or {$350.00} short of the original charge. 
I contacted Paypal clarifying the unauthorized charge and they advised me that the Exchange Rate was the reason for the difference. I asked for justification of the published exchange rates and they were unable to provide. I frequently travel Int'l and can be tolerable to a slight exchange rate difference, but not a XXXX % decline in the matter of hours. After not receiving satisfactory service via the Customer Support call center ; I further emailed Paypal, and after a couple of exchanges where the first indicated my matter was 'resolved ' ( which wasn't even close to true ) they advised they would contact me on XX/XX/XXXX. So far, almost 30 days later, I still have not been contacted by PayPal.
Product: Mortgage

MY LENDER NATION STAR MORTGAGE RECEIVED {$100000.00} TO PAY OFF MY LOAN ON XX/XX/year>2023 IT CLEARED THE BANK ON XX/XX/scrub> 2023 I HAVE REQUESTED TEY APPLY THIS TO MY MORTGAGE FOR OVER A YEAR THEY HAVE MADE ME SUBMIT PAPERWORK TIME AND TIME AGAIN AND THEY STILL HAVE NOT APPLIED THIS PAYMENT TO MY MORTGAGE! I JUST RECEIVED A CERTIFIED LETTER THAT THEY ARE FORCLOSING ON MY HOME WHICH SHOULD OF BEEN PAID OFF OVER A YEAR AGO!
Product: Bank account or service

I would like to file a complaint about TD Bank. I have had an individual personal checking account with this bank since they took over from XXXX. Their routing number is XXXX and my account number is XXXX. On XX/XX/2017 this account was debited for {$4600.00}. The account also had a hold put on it for the same amount resulting in a net debit of {$9200.00} and subsequently overdraft charge. Since I was unaware what this was I visited the XXXX NJ branch at XXXX on XX/XX/2017 and spoke with their representative XXXX requesting an explanation. He indicated that my son 's student checking account was overdrawn, an account that I had been added on to. I asked him for a copy of the overdraft notice that was sent to me. He was unable to supply it indicating it was sent to the address on record. I asked him if it a notice was sent to me, not my son as I never received anything. He again indicated a notice was sent to the address on record and would not confirm if one was sent to me. I then asked for the copy of notice sent to me indicating they are debiting my account. He replied that they have the right of offset and are not required to send a notice. So, at this point I was not notified of the overdraft on my sons account or debit on my personal account. Finally I asked why my account was debited and put on hold resulting in a double debit. He reviewed the account and indicated it was a bank error and removed the hold and credited back the overdraft charge. The handling of this situation has caused this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate accounts in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Sunday XX/XX/2022 I received a called from Harley Davidson advising that my payment was due after which I explained to the female that I was sick XXXX XXXX and I would make the payment when I recover. She then told me that calls would continue and I told her that if I asked them to not call, they had to cease their harassment. They have called everyday and now calling my place of employment. This is clearly harassment
Product: Credit reporting or other personal consumer reports

PLEASE BLOCKED AND REMOVED I urgently request that you promptly remove the unauthorized ACCOUNTS from my credit report, as I did not provide authorization for them, and they are causing me significant distress. I implore you to correct this error without delay.
Product: Credit reporting or other personal consumer reports

XXXX AND THE DEPARTMENT OF EDUCATION is on my credit report and On XX/XX/2024 they have forgiven my loans I have proof of this with the account number attached please remove the students loans from XXXX AND THE DEPARTMENT OF EDUCATION account ( XXXX ) with in 30 days please and thanks.