23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I deposited {$820.00} into my Robinhood account and purchased XXXX which I planned to send to a friend. After purchasing the XXXX Robinhood restricted my account saying I was unable to transfer or withdraw funds due to a flag in their system. Over the last week I have contacted customer support multiple times. They have requested I verify my identity by submitting pictures of a drivers license and screenshots of my XXXX  holding which I have provided. It is now XX/XX/XXXX and my account is still restricted. They requested information on the friend I tried sending XXXX too which I have provided his name and how I met him. My account is still restricted and I cant withdraw the {$820.00} in my account.
Product: Credit reporting or other personal consumer reports

I purchased furniture from Macys in XXXX with Macys card. I was told card will not receive a charge until furniture was delivered. I called twice to set up automated payments, but was told I could not pay until sofa was deliver. I am XXXX going through XXXX XXXX and told Macys I would not remember to pay due to my condition. Still I was not allowed to set up automated payments. When discovered late from credit bureau alert. Called Macys to as to billing statements. But Macys stated account was closed due to inactivity in XXXX. Macys also was updated to new address. Apparently, payments were sent to old address. I never received. Macys took away late fees and stated credit report would get corrected. But, Esperian crediit report remains the same. I need Macys to correct my credit report. Debt was paid as soon as I was notified. Correct when account was actually closed for inactivity in XXXX and remove lates for failure to sent statements to correct address.
Product: Debt collection

I explained that this I have addressed this matter with the doctors billing that I have reached out to them no response and that I would not be speaking with them on this matter again they have continued to call and hang up
Product: Money transfer, virtual currency, or money service

The company is called Cash App, did not issue a refund in the form of {$50.00} on XX/XX/2020 at XXXX XXXX. They told many numerous times they would issue me a refund, believe me when I tell you that I am a patient, reasonable and rational person. I was passed along from " Customer Service Representative '' to " Customer Service Representative '' who each told me the exact same thing in that I would receive my refund within 2-5 business days, to date, it has been 11 complete business days. 

Additionally, I filed a dispute with my Bank called XXXX  XXXX XXXX XXXX who told me there is unfortunately nothing to investigate because there was never a payment received to the aforementioned bank 's Accounting Department. I spoke with XXXX XXXX, Branch Manager at XXXX  XXXX XXXX XXXX and I gathered her personal information : XXXX, XXXX which I then passed along to Cash App Customer Service ( otherwise known as XXXX ). Cash App Customer Service appears to be automated at best as they promised documentation following a dispute proving a transaction was made from Cash App as an " EFT '' ( or electronic funds transfer ) to my bank account, instead I was willfully told that my case has been closed without the promised documentation.
Product: Vehicle loan or lease

I am filing this complaint because I was charged fees that I didnt agree to. Also, the car sales person who helped me with my car loan lied. I went to the XXXX XXXX Volkswagen dealership in XXXX TX with an approval from my bank. The sales person who assisted me at the time then advised after speaking with the loan officer that I wouldnt be able to use my bank loan, but they were able to finance me. I had a car at the time that I had less than a year left to pay on they then advised me that I would have to turn in my current car in order to be approved. In the end I signed a four-year lease with Volkswagen in 2012. And I traded in my current vehicle for the lease. After leaving the car dealership I had a bad feeling about the deal. I called my bank the next day and asked them was I not approved for the price of the car and was I required to trade in my current car. The bank rep advised that they approved me for the new car with the current car that I had. And they were aware that I was currently paying off a car loan. I then contacted XXXX XXXX Volkswagen and advised them what my bank stated, and I wanted to bring the car back and get my car that I traded in from them. They advised that I couldnt do that once I drove off the lot. A few hours later the manager called me because of my concerns and he then to advised me that they couldnt take the car back. And then I just dropped it and was very unhappy about the whole ordeal but took it as a lesson learned because I didnt have a greater understanding of what could be done to undo thing. Once it was time to turn the car in after the four-year lease I tried to obtain a loan for the car because he was only {$8000.00} more left to pay on the car. Volkswagen finical stated they couldnt approve me for the loan and I had to return the car. Once I returned the car it had normal wear and tear but was in good condition. However, once I received my end of loan bill it was over 10,000 because of damages as well as mileage overages. I contacted them right away because when I review the paper work the loan officer had me sign from that day it didnt include anything regarding mileage overages. Ive called several times to customer care they advised there is nothing they could do, and I owe the money. Im willing to provide as much information as needed but there is no way that I owe fees for things I did not agree to and damages I did not cause.
Product: Debt collection

My Identity Information has previously been compromised and used to open several accounts and inquires without my permission. These are just some of the accounts that were opened that I do n't recognize.
Optimum Outcomes Inc XXXX XXXX Emergency Medical Date opened- XXXX XXXX, 2016 Balance-XXXX This account is fraudulent and needs to be removed off of my credit files with XXXX, XXXX and XXXX.
Product: Debt or credit management

In XXXX I was contacted by SPS Servicing stated they bought a loan from XXXX XXXX in which you were investigating on my behalf for a loan they claim was mine and I know a loan I had from a company name XXXX was paid off. I asked for original documents and checks that I was to had signed and I received a document with a signature that is not mine which I informed them then they sent me a document which had my daughter and son in law name on it and the loan number was hand written in. I know that my daughter is paying a mortgage for her house and I think they added the mortgage to my house as well trying to get double money from us. I am almost XXXX XXXX XXXX my house was purchased over 50 years ago. XXXX sold this loan to them knowing they were scamming me to get money
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing some items on my credit report consistently for almost six months now and I haven't received any results or response from Equifax, XXXX  or XXXX  throughout this process. I'm really trying to progress forward in my life and there are items on my report that hinder this. I haven't received any response for them and it's frustrating because I can't get a home or even get jobs because of some of these accounts. Something needs to be done.
Product: Money transfer, virtual currency, or money service

I authorized plastiq to withdraw {$3000.00} from my credit card to send a money order to my apartment complex. My apartment complex never got the check and I cant get in contact with plastiq to return the money to my credit card
Product: Credit reporting, credit repair services, or other personal consumer reports

In a recent pull of my credit reports from the credit bureaus my Mortgage with USBank does not show up at all. Since I was in good standing with my mortgage this should show up with no late payments. When I made the complaint here about USBank not reporting the correct information within months all information disappeared of the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX and I'm including it again. 
XXXX XXXX Balance : {$29000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$2.00} XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

Dispute Letter XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, OH XXXX DOB XX/XX/XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX XXXX XXXX 
Account # XXXX To whom it may concern : I recently received a copy of my credit report and found proof that you are illegally reporting inaccurate information about me. The following alleged collection account is not only listed as being open but also as having a past due balance of {$2900.00}. 

This is a violation of the FCRA and is in violation of the r

equisite METRO2. Compliant reporting standards. 
According to the Fair Credit Reporting Act, I have a right to a completely accurate credit report, and you are required to remove any information that is not true, verifiable, or accurate.

Please immediately remove this account from my credit report and send me an updated report showing your compliance with all METRO2 reporting standards. This account will be removed upon completion. 


The XXXX XXXX XXXX XXXX XXXX, has charged me for a third-party debt that is fraudulent and unauthorized. XXXX XXXX XXXX XXXX made fraudulent charges on my credit report. This company created a fictitious apartment ledger without a letterhead or any documentation with my name attached, stating that I rented an apartment unit from XX/XX/XXXX until XX/XX/XXXX, which is fraudulent. They proceeded to attempt to open an XXXX account in my name. My attorney contacted them in XX/XX/XXXX to ensure they corrected the issue. I turned in a 60-day notice in XX/XX/XXXX and received at least two letters from the acting landlord in XX/XX/XXXX. XXXX has since gone back and forth about the authenticity of the letters, stating they didnt want to honor the letter since their employee was terminated. XXXX also alleged they did not receive documentation from my attorney. They contradicted themselves by claiming that I lived there until XX/XX/XXXX, which is false, and did not turn in keys and had extensive damage to their apartment unit, and then they received their keys. There were no damages to the unit, and I owe no cleaning fees. In addition to the fees being unauthorized and fraudulent, the company is listed as a collection/charge-off on my credit report. They are listing the account as open, which is incorrect. The account also has late payments, which makes no sense, and a balance, which is against the FCRA laws. I never received a 1099-C. The account has no outstanding balance because I moved out and left the account in good standing, and the charges are fraud. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX - XXXX XXXX - XXXX. XXXX - 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 : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXXXXXX XXXX Account XXXX has violated my rights XXXX 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 declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. 

XXXX XXXX XXXX XXXX Why are there so many missing fields of information? Did XXXX XXXX XXXX not supply that information to you? Shouldn't all data fields be complete? Either complete it or delete the whole account. 
Trans Union is reporting the date last active as XX/XX/XXXX, XXXX is reporting it as XX/XX/XXXX, and XXXX is reporting the date last active as XX/XX/XXXX. Which date is it? It can't be all three? 

Why isn't Trans Union reporting any payment history? Why isn't XXXX reporting any payment history? How can I be on time with my payment in XXXX of XXXX with XXXX but charged off the very next month? When was I reported late with Trans Union or XXXX? What was my monthly payment for this account? When was my last payment received for this account? When was the date of first delinquency with all 3 consumer reporting agencies? 

Attached you'll find a screenshot of the trade-line displaying the inaccurate reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

The payment history information reported is incorrect. I've continued each credit bureau and the creditor, XXXX XXXX XXXX. 

XXXX  states in the comments state in the comments Paid was past due 30 days 2 or 3 times Then they show in the payment history only 1 late payment ( XX/XX/XXXX ) That's incorrect information TransUnion state in the comments state in the comments Paid or paying as agreed Then show 1 late payment XX/XX/XXXX That's incorrect information XXXX state in the comments Pays account as agreed Then show 1 late payment XX/XX/XXXX That's incorrect information Payment history is 35 % of the credit score. And all ( 3 ) of the reporting agencies and inconsistent, inaccurate information. All of them are extremely hurting my credit score with incorrect payment history information reporting.

I've sent multiple letters to all ( 3 ) credit bureaus They all updated to state paid as agreed with no late payments Then went back and started changing the late payment dates which cause even more issues as I was in the middle of the home buying process.
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 : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX and 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: Checking or savings account

Good Day, I am a XXXX  military on XXXX  in US. 
Chese Bank mishandle my funds and withdraw a " Federal Interest '' on regular basis.

I am not a subject of US taxation.

I know it all and deliberately continue withdraw money from my account without my consent. I went to the bank branch and fill out all paperwork ( Form 5 ) instead of Form 9 they insisted me to fill. Form 9 is not applicable to me, but the Bank still sent me requests to fill it out even I have nothing to admit for it. 
The Branch Banker assisted said me he does not know how to resolve " Federal Interest '' withdrawals and advised to contact IRS. IRS is unreachable by any means. Nevertheless, I have nothing to do with the IRS at this point, and the Chase Bank does not respect my rights, nor conduct due diligence in his business.

I tried several times escalate the matter over the phone, and XXXX refer me to Branch. Branch does not what to do. Secure Messages I sent coming back with the same response : to call them. So it is closed circuit, where illegal activities are ongoing. They support each other and does not resolve a simple matter even when all types of documents are provided and all forms are submitted.

They does not want to dispute transaction as they telling me they have no power on these withdrawals.

I request to refund all and any amounts withdrawn from my account by Chase Bank at any time.
Product: Credit reporting

I need to have a past car loan on my credit report changed from a degoratory status to not deregotory
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute a Hyundai reported delinquency on my payoff of the lease-end residuals. I just want to take this opportunity to point your attention to the fact that I have 2 leases with Hyundai Financials for the entire life ( 3+ years ) of these leases I was never late with my payment. 
I was paying it off in a good faith, as arranged with their lease-end dept. representatives, who reassured me that have time to pay until charge-off of the Account, that would have happened in XXXX, 2021, when I spoke to them in XXXX and then again in XXXX. Based on that arrangement I spaced my payments to complete paying off the balance by end of XXXX. To accomplish this I was making 2 to 3 payments a month ( see below ). 
Date Received Amount XX/XX/2021 {$400.00} XX/XX/2021 {$200.00} XX/XX/2021 {$150.00} XX/XX/2021 {$150.00} XX/XX/2021 {$150.00} XX/XX/2021 {$150.00} XX/XX/2021 {$300.00} Now when I found out that my account was reported as delinquent on XX/XX/XXXX, which caused my credit score to plummet, I called again and happen to talk to the same Hyundai representatives I spoke in XXXX, but he didnt acknowledge that arrangement, and continued to state that they didnt indicate that I have time to pay until charge-off of the Account that would have happened in XXXX. They caused me financial difficulty by reporting my account as delinquent to 3 credit agencies, which caused my credit score to drop 40+paoints ( from excellent to good ). 
As a result I filed a dispute with 3 Credit Agencies : XXXX, XXXX, and XXXX  and writing to you as a consumer with an excellent credit rating to right this wrong so that I can have back my excellent credit score that I worked so hard to build and maintain for the past 15 years. They ruined me. Looking forward to the positive outcome of this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX and XX/XX/2021, I made XXXX attempts to initiate a dispute with TransUnion against unauthorized inquires on my credit file. After making phone calls and writing a letter, I submitted two complaints to CFPB informing them that TransUnion deliberately refuses to investigate disputes against inquiries. As a follow up to my complaint with CFPB, TransUnion has reached out to me by providing a letter explaining the " Explanation of Inquiries on Your Credit Report. '' They have not offered me a remedy on how to dispute any inquiries on my credit report. TransUnion is the only credit reporting agency which does not allow the consumer to dispute inquiries on their report. Currently, there is a class action lawsuit being brought against TransUnion for this same issue. I am now providing supporting documentation for a newer complaint which will show the webpages where TransUnion allows the consumer to dispute credit account information BUT NOT INQUIRIES. Nowhere listed on their website can anyone select " dispute '' for inquiries. TransUnion 's letters to me in response to my multiple requests for an inquiry dispute did not answer my request for a dispute but avoided the issues I brought forth repeatedly. I have attached two copies of letters I received from TransUnion on XX/XX/2021 and XX/XX/2021 as well as a copy of the webpages from XX/XX/2021 showing NO option to dispute any inquiry. The word " DELETE '' is next to each item that is to be disputed, however this option is not listed under the " inquiries '' section of the dispute pages. This is a violation of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello the reason why I am writing this complaint without prejudice because I realize building my credit again I made consent payment on a car loan that was under my name and my credit report. The company " XXXX XXXX XXXXXXXX '' reach out and told me that I have to make payment on this loan after the loan price reduce from {$17000.00} to XXXX. As well as the start of a XX/XX/XXXX I start to make monthly payments on the following date XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. On the listed dates you will see on my bank statement, looking at my credit report these 's payment was not report on my credit report. After the payment on XX/XX/XXXX they told me that I will have to call them to rearrange a payment on another payment plan to continue to pay off the loan. I did not even receive any notice about this payment arrangement or plan. But I still try to pay it off to get a positive reporting but that did not happened. Base off " The Fair Credit Billing Act ( FCBA ) '', For disputes about billing errors '' failure to post payments and other credits, such as returns. I will like to challenge this auto loan inquiry that is damaging my credit report and history.