23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

This listing is incorrect. I once owned a business that was called XXXX XXXX. This business was sold and there was never a Bankruptcy filed by me. I do not have a bankruptcy listed to me and there was never any debt discharged. Please look at the total amount it is XXXX ( XXXX ). This listing is erroneous and I want to have TransUnion confirm this listing as it is old and I had it cleared up. They refuse to reconfirm that this listing is indeed still listed and that it is mine. TransUnion has a reputation for being the worst reporting agency because they refuse to follow legal protocol regarding credit reporting. 

This listing is not correct and it is not listed with any of the other reporting agencies. It is affecting my credit score and jeopardizing my ability to qualify for a mortgage loan. I really appreciate your services and help to the consumer. Thank you, XXXX XXXX ***********
Product: Vehicle loan or lease

XXXX XXXX loan took out XX/XX/XXXX. I have paid approximately 8000 on a XXXX loan and as of today XX/XX/XXXX my payoff is more than originally borrowed. Yes Ive  been late and deferred some payments however the interest rate and fees are obsurd and its either keep paying or return the vehicle at which point my credit will be worse and Ill have no way to work. Every done I lay goes straight to interest this should be against the law its no different than the check cashing businesses that were shut down in my state
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following accounts. Block and remove it. 
XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, DPT EDXXXX XXXX Balance : {$0.00} & XXXX XXXX Balance : {$15000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need these removed from Transunion & XXXX I've send them copies by mail and fax.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with Experian for a fraudulent account with XXXX XXXX with account number XXXX. The account was investigated and removed. After a few months now, the account has been re-inserted onto my credit report again fraudulently without the proper 5-day notice which carries a {$1000.00} fine per violation. I attempted to call the Experian fraud department and the guy on the phone kept deflecting the fact that Experian was breaking the law with the re-insertion. HE kept trying to get me to refile the dispute under fraud. There is no need to investigate further with a company that i don't owe and also had been removed prior and the credit bureau has blatantly violated the FCRA and seemingly doesn't care that they do it.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX, MD XXXX XX/XX/2022 XXXX XXXX Balance : $ XXXX XXXX OF XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1300.00} XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX Balance : {$160.00} XXXX XXXX XXXX Balance : {$160.00} XXXX XXXX Balance : $ XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1300.00} XXXX XXXX XXXX
Product: Debt collection

I have an account by the name of Bank of America reporting to my profile I am a victim of identity theft and would like this account removed from my profile. I am a victim of identity theft and I also had my information leaked in the XXXX data breach. I might add that the information that is reporting don't match and the social security number on the account don't even match my social security number.
Product: Money transfer, virtual currency, or money service

Dear CFPB, I am writing to formally request immediate assistance regarding my Robinhood account restrictions and the {$1200.00} currently held in my account since late XXXX. Below is a detailed summary of the issue : I deposited {$1100.00} from my XXXX account into my XXXX account with the intention of buying and trading Bitcoin. Shortly after the deposit, my XXXX account was restricted from buying, trading Bitcoin, or withdrawing funds. 

I contacted Robinhood support and was instructed to upload a selfie, bank statements, and additional documentation. I have provided all the requested information, yet the restrictions remain in place. I was advised to request a call for further assistance, but I have not received any updates or communication from Robinhood. 

This situation has caused significant financial distress, as the funds were intended for bills and XXXX expenses. I find it unacceptable that my funds remain inaccessible without resolution. 

XXXX Requested : XXXX. Immediate return of the {$1200.00}, either : Via Direct Deposit to my XXXX account : Routing Number : XXXX Account Number : XXXX Or Mail a check to my address : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, LA XXXX XXXX. Close my Robinhood account after the funds are returned. 

My Account Details : Name : XXXX XXXX XXXX Phone Number : XXXX Email : XXXX Last XXXX Digits of XXXX : * -- XXXX Robinhood Account Number : XXXX My current available balance in Robinhood is {$1200.00}, which verifies the legitimacy of my account. I respectfully request your immediate assistance in resolving this matter.

Legal Action Taken So Far : 1. Contacting Robinhood Support I first reached out to Robinhoods customer support after my account was restricted following a deposit of {$1100.00} from my XXXX account. I intended to trade XXXX, but soon after the deposit, my account was blocked from buying, trading, and withdrawing funds. 
I followed their instructions to upload personal documents like a selfie and bank statements, but even after providing everything they asked for, my account remains restricted. Despite requesting a call for further assistance, I never received any follow-up or resolution. 
XXXX. Filing Complaints with Regulatory Agencies Since the issue hasnt been resolved, I filed complaints with several regulatory bodies, including the Securities and Exchange Commission ( SEC ), FINRA, and the Consumer Financial Protection Bureau ( CFPB ).

In my complaints, I outlined the situation and requested their help in recovering my funds and investigating Robinhoods failure to resolve the issue. 

Thank you for your attention to this urgent issue. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting

I HAVE SENT IN NUMEROUS CERTIFIED MAIL TO ALL XXXX BUREAUS IN REGARDS TO IDENTITY THEFT I SENT THEM MY IDENTITY THEFT AFFADAVIT # XXXX NOTARIZED AND STAMPED I SENT IN CONSUMER FINANCIAL PROTECTION BUREAU # XXXX
Product: Credit reporting or other personal consumer reports

I checked my credit report and noticed on XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX reported that my account with XXXX XXXX XXXX was in collections with them. This is against the law to report my credit by anyone without my written permission. 

XXXX XXXX XXXX - Acct. XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Amt. {$160.00} In accordance with the Fair Credit Reporting Act, the list of accounts below have violated my Federally protected consumer rights to privacy and confidentiality under 15 USC 1681 15 USC 1681 section 602A states I have the right to privacy.

15 USC 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

To Whom It May Concern, I am writing to file a formal complaint and dispute regarding violations committed by CKS PRIME INVESTMENTS , LLC against the laws and regulations enforced by the Consumer Financial Protection Bureau ( CFPB ), specifically citing violations of 12 CFR 1006.34 ( b ) ( 5 ), 12 CFR 1006.34 ( c ) ( 4 ) ( i ), 12 CFR 1006.34 ( d ), and 15 USC 1681-s 2 ( 7 ) ( A ).

Details of Violations : Violation of 12 CFR 1006.34 ( b ) ( 5 ) : This regulation prohibits a debt collector from threatening action that can not legally be taken or that is not intended to be taken.

Violation of 12 CFR 1006.34 ( c ) ( 4 ) ( i ) : This section mandates that a debt collector must disclose certain information, including the amount of the debt and the name of the creditor, in the initial communication with a consumer. The Collection Agency failed to provide clear and accurate information about the debt.

Violation of 12 CFR 1006.34 ( d ) : This regulation prohibits a debt collector from engaging in unfair practices, including using unfair or unconscionable means to collect or attempt to collect any debt.

Violation of 15 USC 1681-s 2 ( 7 ) ( A ) : This section of the Fair Credit Reporting Act ( FCRA ) requires that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner that is fair and equitable to the consumer with respect to the confidentiality, accuracy, relevancy, and proper utilization of such information. The Collection Agency has failed to ensure the accuracy and relevance of the information they reported to consumer reporting agencies, which has adversely affected my credit report.

Requested Action : I request that the Consumer Financial Protection Bureau thoroughly investigate these violations and take appropriate enforcement actions against collection agency in accordance with the laws and regulations mentioned above. Specifically, I am seeking : 1. Verification and correction of the inaccurate information reported to consumer reporting agencies.

2. Revoking all rights of them communicating with me through email/text/calls 3. Requesting a purchase agreement between collection agency and the original creditor. 
4. Proof collection agency is licensed and bonded
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Inaccurate Late Payments on Credit Report Complaint Details : I am submitting this complaint regarding inaccurate late payment that is reported on my credit file maintained by Equifax. I believe this late payment is erroneous and do not accurately reflect my payment history. 
Account XXXX : XXXX XXXX Account number : XXXX XXXX payment reported : XXXX XXXX XXXX. Inaccurate Reporting : The late payment listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts. 
XXXX. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of this late payment violates my rights under the FCRA ( XXXX XXXX XXXX ( b ) ), as they misrepresent my creditworthiness. 
XXXX. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts. 
XXXX. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information. 
Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections XXXX XXXXXXXX XXXX  XXXX and XXXX XXXX XXXX  XXXX, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files. 
Furthermore, under the FCRA, articles XXXX and XXXX ( XXXX XXXX. XXXX and XXXX ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the XXXXXXXX XXXX requirements. 

Requested Resolution : I request that Equifax conduct a thorough investigation into this matter and remove the inaccurate late payment from my credit report. I ask that all such entries be updated to reflect my true payment history of 100 % on-time payments. 
I expect to receive written documentation confirming the removal of this entries within XXXX  days of this complaint submission. Failure to resolve this issue may lead to further action to protect my rights as a consumer. 

Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

I was notified by XXXX that I have a past due balance, but I never ordered anything. My identity was stolen, and used to create an account, and items purchased which I never ordered or received any benefit for the items. I never authorized anyone to open an account in my name, nor did I open any account. No action has been taken by the company. I never received the items, nor opened the account so that account should be closed immediately and removed from my credit record, as my identity was clearly stolen.
Product: Credit reporting or other personal consumer reports

Several emails have been sent to Stillman Law office to remove an incorrect collection balance that is being erroneously reported and impacting my credit scores. The balance was paid in full and cleared my financial institution on XX/XX/XXXX for {$3800.00}. Acknowledgement was received of the paid in full amount through the NH court. 

Filing Details Case Number XXXX Case Style Absolute Resolutions Investments, LLC v. Personal name intentionally removed. 
Date/Time Submitted XX/XX/XXXX XXXX PM EST Filing Type Paid in Full Notice Activity Requested Paid in Full Notice Filing Description Notice of Full Payment Filed By XXXX XXXX XXXX XXXX Absolute Resolutions Investments, LLC : NH E-File ( XXXX ) XXXX XXXX XXXX ( XXXX ) Despite my best efforts to resolve, Stillman Law Office has been non responsive to my request and email correspondences.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX AND XXXX XXXX XXXX I have never lived at this property nor did i ever move in. When i did the application, i never submitted it due to the fact that i was looking XXXX XXXX. XXXX XXXX, emailed me to send him documents and i did. HE pushed the application through without any consent without me and i was approved. now you guys are trying to charge me for an application that i did not complete on my behalf, he did
Product: Consumer Loan

In 2015 Onemain Financial acquired Springleaf. I have interest-bearing loans with both finance companies. Since the acquisition I have continued to pay these loans separately. I have asked a few times what can be done to consolidate my loans so that I have XXXX payment and XXXX interest rate, their feedback is that they can not do it. Between the XXXX loans I 'm paying north of 50 % in interest charges.
Product: Credit reporting or other personal consumer reports

I purchased a XXXX XXXX XXXX on XX/XX/XXXX. The first payment was due on XX/XX/XXXX, which I paid. The issue I have is that the company has not deducted my payments from the balance and it looks as if I have not made any payment on this car. I have been given extensions, and have been charged late payments even if I pay earlier in the month. 

I have been told that 11 payments were extended. I have asked for the extension paperwork which I have not received. Extensions were explained to me that they go on the back of the loan which extends the length of time that I pay for the car. 

My issue is that the balance owed is incorrect, which makes it look as if I am not paying for the car. When I looked at my Equifax credit report it states incorrectly that I have only made one payment, since XXXX, which is not correct and the car would have been repossessed. I need this corrected on my credit reports to reflect that I have been making payments which should decrease the balance. 

I am being contacted constantly by the company, but have not been able to speak to anyone higher than customer service to get this corrected. When I ask about the balance on the loan and why the payments are not being reported correctly as it should be going down, I am told about the daily interest, 11 extensions, late payments etc. That does not answer the questions I am asking. 

I need the balance reported correctly as I have been paying on this loan since XXXX and it should not reflect the same amount as the beginning balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act everything has to be 100 % accurate on my credit report. The listed accounts below violated my federally protected consumer rights .The Credit bureaus have stated a proper investigation was performed but I find this to not be accurate or possible, the open dates are inaccurate, the dates last active are inaccurate, and dates last reported are not accurate, these are grounds for removal. On XXXX i sent a letter regarding the inaccurate and unknown things on my credit report. To this day over 30 days later I have not received any response. I feel like I've been taken advantage of and also being ignored. Section 611 ( a ), it's plainly stated that a failure to investigate these items within 30 days gives reasons to immediately remove these items from my credit report. It has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress caused in this process.

The credit Bureaus also violated 15 usc 1681 section 623 ( 9 ) ( b ) ( 2 ) The credit bureaus are supposed to complete all investigations before the expiration of the period under section 611 ( a ) ( 1 ).

The credit Bureaus also violated my rights under 15 U.S.C 1681 section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. I haven't given these accounts written permission to furnish these accounts on my credit report In accordance with the fair debt collection practices Act. Debt collectors are not allowed to communicate with me under the 15 usc 1692C 1- ( XXXXXXXX XXXX XXXXXXXX XXXX # XXXX ) Has violated my rights 2- ( XXXX XXXX  XXXX XXXX # XXXX ) Has violated my rights 3- ( XXXX XXXX/ACCOUNT # XXXX ) Has violated my rights 4- ( XXXX XXXX # XXXX ) Has violated my rights 5- ( XXXX XXXX XXXX/Account # XXXX ) Has violated my rights 6- ( XXXX XXXX XXXX/Account # XXXX ) Has violated my rights 7- ( XXXX/Account # XXXX ) Has violated my rights 8- ( XXXX, INC./Account # XXXX ) Has violated my rights 9- ( XXXX XXXX XXXX/Account # XXXX ) Has violated my rights 10- ( XXXX XXXX XXXXAccount # XXXX ) Has violated my rights 11- ( XXXX XXXX XXXX XXXX/Account # XXXX ) Has violated my rights
Product: Credit reporting or other personal consumer reports

This morning, I discovered incorrect accounts on my credit report, and I have no clue how they got there. As part of my usual routine, I checked my report, but this time, I found unexpected discrepancies. I even refreshed my browser, thinking it might be a temporary glitch, but the errors remained. Given this issue, I am requesting a thorough review of the documents I have submitted so that I wont have to worry about this again.
Product: Debt collection

On XX/XX/XXXX the following complaint was submitted : I have attempted to dispute the claimed debt owed multiple times directly with the companies and with the credit reporting agencies to no avail. The companies continue to report unverified collection accounts even after I have asked for verification docs, account statements, original agreement copies, and proof of their legal right to even attempt to collect on the alleged debt - all requests have gone unanswered. I have requested this information in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX with no response. According to the collection companies own websites/consumer portals - my information does not link to a record within their files yet they continue to claim and report thousands of dollars as owed to them to the credit reporting agencies. This fraud and their lack of being able to properly verify the debt should mean that the debt is uncollectible and therefore they should cease reporting the incorrect information and promptly remove the reported info linked to my personal info from all credit reporting agencies. Following this complaint, the collection company marked the account as closed with the credit agencies roughly 10 days after the complaint was made. The company stated they would mark the account as disputed. As of XX/XX/XXXX, the collection account has been reopened and shows an active balance due, the record does not state that I have disputed the account either. Further, the company stated they would send me info on the account and that never happened and it has been over 30 days since my original complainXXXX XXXX XXXX XXXX XXXXXXXX XXXX continues to make false claims that a debt is owed when that debt has failed to have been verified. They are committing fraud at this point and the false claims have severely negatively impacted my credit- legally speaking, this is a damage and loss that I have full right to claim against them. Their actions are fraudulent and are construed to be harassment. They have failed multiple times to adequately respond to the dispute ( XXXX ) and they have failed to properly verify the alleged debt in the allotted time offered to them per FDCPA guidelines. Per FDCPA, FTC, FDIC and CFPB guidelines P & B Capital Group is in violation of Federal regulations and State regulations and must be ordered to close the account, remove all negative remarks from any/all credit reporting and end all collection efforts regarding this alleged debt. Prompt action must be taken to resolve this matter. The company has claimed twice now that they have sent verification documents to my address listed on file and listed within the prior complaints - no documents have ever been received, this company has yet again, made false claims.
Product: Credit reporting, credit repair services, or other personal consumer reports

A negative account ( XXXX XXXX XXXX ) was added to my report without proper notification, this negative account was allowed to attach to my credit file without following FCRA rules, I have asked via certified letter 3 different times for documentation showing this is in fact my debt and have been ignored each time and on this ground this account should be removed expeditiously.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX I received a call from someone saying they are from XXXX and that my services will be disconnected if I don't pay. First it was the minimum of XXXX he said the system wasn't accepting the price that I had to pay XXXX so my service wouldn't be cancel. I called TD bank thet my said its nothing they can do about it.
Product: Credit reporting or other personal consumer reports

FCRA 605B, as I understand it, obliges us to eliminate any erroneous entries from my credit report. Would you mind reviewing the documentation? Some of the accounts listed show inaccuracies in reporting, with incorrect amounts and dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX