23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My insurance company  (   XXXX  of Arkansas  )  had an internal processing error, which resulted in my, and everyone else insured by this company, policies to not be renewed. These claims were denied due to this error. I eventually had the problem fixed and my policy was then renewed. These collections were inisiated due to no fault of my own. If they would resubmit them to my insurance company the debts  may  be paid. Thank you.
Product: Credit reporting or other personal consumer reports

I recently review a copy of my credit report and notice i had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit
Product: Checking or savings account

I have been locked out of my Robinhood account because the system says that they have sent a verification code to an old phone. I have followed the steps to unlock my account by submitting my license into the robinhood app, taking pictures and videos of my face into the app as well as logging into XXXX using my connected bank accounts. I continue to receive the same message that my identity can not be verified. I have sent Robinhood over XXXX emails to the support email and they keep responding telling me to follow the same steps that I have already tried. At first the support email address was responsive then they just started ignoring my emails and replying several days later. Despite what their website says, there is no way to chat online or speak on the phone with Robinhood unless you are already logged into your Robinhood account which I am unable to log into. I keep repeating the same thing to them over multiple emails for almost 1 month now. I have requested a phone call, to speak with a manager and I keep getting the same generic response from different representatives asking me to follow the same steps. I have called the generic number listed for Robinhood but the system hangs up on me because I do not know my account number because I cant log in. I have been locked out of my account about a month now and have a lot of money in my account. I have recenlty missed a historic stock trading oppurtunity because I have been unable to access my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 15 USC 1681 g ( a ) ( 1 ) I requested a copy of my credit file from both Experian and XXXX XXXX. Experian responded with a copy of a credit report.During my discussion with their customer service and supervisory people. I was informed that the file and report were the same thing ; and that the my file belonged to Experian ; and that I have no right to it.I replied that the information is mine ; and the statute mandates that they provide it upon request. They stated that would not ; and that I would need to sue them ; and then subpoena the file. XXXX XXXX did not reply at all to my request,.
Product: Debt collection

I had identity theft in XXXX in XX/XX/XXXX I requested my credit report and corrected wrong information. There was a collection XXXX at XXXX XXXX XXXX for {$2900.00} from XXXX XXXX XXXX. I disputed this account because I never received info on it. In XX/XX/XXXX the collection was deleted from my report. In XXXX I applied for a loan and this debt showed up again as opened XX/XX/XXXX. I disputed it with XXXX who said the collector was accurate? I never received any info on this debt? It was opened on XX/XX/XXXX But it was opened XX/XX/XXXX! That is not accurate. And I do not know if that is my Bill or identity theft because I was never given any info at all. The debt is barred XX/XX/XXXX which I dont understand because it was initially opened XX/XX/XXXX! It was deleted now XXXX says they provided accurate info? This cant be true.
Product: Debt collection

I received a notification from XXXX XXXX about a collection that was placed on my XXXX  report which dropped my score 31 points. It was from Debt Recovery Solutions for the amount of {$1400.00}.
Product: Vehicle loan or lease

I've contacted the company on 4 separate occasions each time they told me they would call back when I call them. They say they do not make call backs. I recently spoke with someone in the credit department who said they removed my account for my credit report because they reported something incorrectly. They say they are not obligated to put it back on my credit report and will not do so. 

On my last call, they said someone would be escalated, and they would call me back with a resolution.The resolution is that they will not put it back on my credit report. As a result, my credit draft XXXX points.
Product: Credit reporting

While checking my Equifax credit report, I noticed unauthorized and fraudulent credit inquires made by the following Creditor 's : XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX AN # 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 I did not authorize any of this companies to make any inquire and view my credit report. 
I have called Equifax several times, and I spoke to different representatives, no one is willing to help me. I sent a letter asking for verification, and proof of my signature, and I did not receive an answer. 
I asked Equifax to send me written confirmation that they have complied with my request within 5 business days or, it will be my evidence used in Federal Court of their willful noncompliance ( XXXX U.S.C. & XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have XXXX XXXXXXXX garshment of my wages. They will give me credit on my credit report after almost having it paid off. Transunion will fix my credit report after dispute it XXXX something time. They it fixed right of course XXXX XXXX had a data breach in 2019.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently been informed that there is a Bankruptcy XXXX XXXX in the file you maintain under my Social Security Number. Upon ordering a copy of my credit report, I see an entry listing Bankruptcy XXXX # XXXX. According to FCRA 623 ( a ) ( 5 ) if the credit bureau can not VALIDATE the information they must remove said information from the consumer credit file. The United States Bankruptcy courts DO NOT report any activity to credit bureaus. Federal law protects the privacy of most personally identifiable information reported. However, credit bureau actively searches public records for any judgments and tax liens through third party research. A Bankruptcy is public information, Again, the U.S. Bankruptcy Court DO NOT report anything to the various credit bureaus, nor do they verify that the information reported is accurate. Your agency has found information on bankruptcys through third-party research. Please validate this information and provide me with copies of any and all documentation associated with these accounts bearing my signature. I formally request that this information be immediately deleted from the credit file you maintain under my social security number. Please note that I am closely monitoring my credit file and you have exactly 30 days to complete this investigation as per the Fair Credit Reporting Act 623 ( a ) ( 3 ) and I will be keeping very careful records of all actions taken regarding my file. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your Agency. I will be seeking {$5000.00} in damages for, but not limited to : 1. Defamation 2. Negligent Enhancement of Identity Fraud 3. Violation of the Fair Credit Reporting Act You will be required to appear in court venue local to me in order to formally defend yourself.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed some unauthorized inquires that I do not recognized. I also took the necessary steps to file a FTC report that I will attach in the files. The inquires that I need removed are listed on the report.
Product: Debt collection

The  Compa  ny : Enhanced Recovery  Co  L  address:  XXXX   XXXX   XXXX   fl  XXXX , placed a collection account for {$300.00} without notifying me that there was even an attempt to collect a debt or even information to dispute the collection. The company is in direct violation of the Fair Debt Collection Practices sect ion 809 ( a ). Validation of debts. The company has placed this negative mark on my credit reports and I would like it removed because it is hindering my chances to gain other credit and tarnishing my name that I have been working to clear in inaccuracies in order to maintain good credit.
Product: Credit card

On several occasions I have complained to the credit card company ( AMEX in partnership with XXXX ) that charges were not appearing on my digital account. I told them that it was causing a lack of awareness of what I was spending. XXXX representative told me I was spending too much. Another told me that it takes a few days for certain transactions to show. And the last representative I spoke to told me that the XXXX XXXX XXXX XXXX XXXX pending transactions hidden. I asked her why that occurred and she said that it was the merchant who wasnt releasing the transaction and thats why the bank was hiding it from me. I told her to please send feedback that it would be most helpful to see every transaction I have to best understand where my balance is every day. She said she did. That was the third time I had asked for the bank to consider sharing more details about my account because the lack of details leads me to believe the at I have a lower balance than what the bank knows to be true. This has caused me to believe Im paying off my credit card and realizing XXXX hours or XXXX hours later that I have not. This hurts my ability to use my digital account to manage my finances. The bank advertises the digital account as an account management tool but I cant manage what I can not see.
Product: Debt collection

This company is reporting fraudulent inaccurate information on my credit report. have requested that they provide the purchase agreement to show full ownership of such account and also other documents so l can review to see if this is actually an account that belongs to me.
Product: Credit reporting or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. I haven't received any response from them. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to be deleted immediately 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: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my personal information including such items as name, social security number, address, birthdate, driver 's license number, and possibly more. 

They allowed a data breach to occur, and they confirmed I could be affected on their website, XXXX. 

They have put me and millions of others at risk of identity theft and/or fraud due to negligent security protocols in handling consumer information.They are further attempting to profit from the situation by signing injured parties they are responsible for up for " trial periods '' of their ID protection services.The negligent loss of personal information of millions of consumers is unethical, and it is further unreasonable that they are not directly notifying every single person affected by this incident.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear all, Kindly below assist to remove the below inquiries in my Experian profile, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

On XX/XX/20, I contacted Shellpoint  Mortgage Servicing ( NewRez LLC ) to request a reversal of a NSF fee that was due to a banking error. ( The mortgage was ultimately paid in full in the month that the payment was due. ) Shellpoint  's response was anti-consumer. Their requirement was to ask me to engage my bank and request that the bank provide proof that the issue originated in a banking error. This response is anti-consumer because it requires further coordination of the consumer ( waiting on hold, multiple follow-ups with the bank and mortgage servicer ) from an event that was not the fault of the consumer. I believe this is an attempt to make it very difficult for the consumer to recover the fee even if the fee should ethically, morally, and/or legally reversed. This is even more anti-consumer because I did not choose to conduct business with this mortgage servicer, and in fact have had multiple issues with their level of customer service. My loan was sold to this company, which I would much prefer to avoid for the foreseeable future.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting agencies are showing two accounts on my report as though I am an authorized user. I do not know anyone that has a XXXX XXXX card or a XXXX XXXX. Also Equifax is reporting an inquiry with XXXX which I did not apply for. That was a fraudulent account and they did remove the actual account but not the inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, Portfolio Recovery Associates has added two derogatory marks on my credit reports per XXXX XXXX and XXXX. Upon, further research these accounts was sold or transfers and I no longer responsible for accounts. Debt collector did not verify these accounts. Also, there was no written contract and original signature with these debts at all. A bill without a written signature does not validate the debt and anybody can send a bill and say it's mine. According to the FCRA, Portfolio Recovery Associates, LLC has violated my rights as a consumer and I am requesting legal actions to remove these accounts immediately.
Product: Debt collection

On XXXX. XXXX, 2022. SPRING OAKS CAPITAL LLC OPENED A COLLECTION. 
Account -- {$880.00} that I owe. 
I have never signed any written document saying that I owe this debt to the collector. 
They are violating my rights of the FCRA as a consumer. 
I do not know who they are and have not written consent from my end. 
Also, they have not verified that I owe this debt to this alleged company. 
Please have this removed from all three credit bureus. 

XXXX XXXX
Product: Consumer Loan

I took out a loan for {$42000.00}. 
The first month payment was {$3500.00} and then it was {$2500.00} a month after that. After almost a year of paying I called requesting a pay off amount. They told me the pay off would be almost {$47000.00}!!! I do n't understand how the balance goes up? 
Please help me resolve this. I have not missed a payment.
Product: Credit reporting

I have several items on my Transunion and XXXX report the were previously deleted and have since be added to my report again along with inquiries. I am aware that Transunion had a glitch in their system that violated the rights of their consumers under Secion XXXX. As a result my credit score is suffering and I have been gravely effected. No notice was ever given that these previously deleted items or inquiries were being placed on my credit report again and I am requesting that ALL previously deleted inquiries and previously deleted creditors be removed.
Product: Checking or savings account

Tuesday XX/XX/year> XXXX of my accounts had multiple duplicate debits and credits! I called the bank. I was told not to worry I wouldn't be charged for any fees since it was a bank error. Later that day I checked my accounts. The Bank deleted removed all transactions from the XXXX. Wednesday XX/XX/XXXX all transactions were back in different order with no duplicate transactions but had many fees.. Later that day I checked my accounts. This time everything was removed deleted from Monday XX/XX/XXXX. Thursday XX/XX/XXXX all transactions were back in different order with no duplicate transactions but had more fees. I went to the bank not to make a deposit. I was scared to, didn't know what was going on with my accounts. I talked to the teller. I was told nothing could be done until the bank manager came back from vacation. I thought that was also odd. A corporate bank has no one else that could explain and or fix the problems. Today XXXX  XX/XX/XXXX went back to the back. The manager was back from vacation. Yes, I waited a week to make any cash deposits and I only wrote checks that I had to. So I put my business on hold which was extremely in convent. I was told today the only day the bank had a problem was on XX/XX/year>. I emailed the screenshots from the XXXX to send to corporate. Now I wait again for an answer if I get one.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Checking or savings account

3 months ago, I filed a fraud at Bank of America, they gave me a temporary credit l, then after few months they reverse the temporary credit without notifying me. Thats make my checking account overdrawn, and wasnt able to pay my bills
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam, I hope this letter finds you in good health. I am writing to bring an urgent matter to your attention regarding my consumer report. LEXIS-NEXIS and XXXXXXXX XXXX XXXX XXXX both third-party vendors, have reported a bankruptcy on my consumer report without providing any validation of the bankruptcy in question. 

Having noticed this bankruptcy claim on my report, I took immediate action and contacted the bankruptcy court for confirmation. The court clarified that they do not provide any bankruptcy information to third-party vendors. Therefore, it appears that LEXIS-NEXIS and XXXX XXXX XXXX have not only inaccurately reported a bankruptcy on my consumer report but have also failed to verify this information from a reliable source prior to reporting. 

Furthermore, it is my understanding that the Fair Credit Reporting Act ( FCRA ) requires that all information reported about a consumer must be accurate, and I have the right to dispute any inaccurate information. Therefore, I formally request that the CFPB investigate this matter and ensure the removal of this inaccurate bankruptcy claim from my consumer report. 

Moreover, I have not granted permission to LEXIS-NEXIS or XXXX XXXX XXXX  to share or release my personal information. Their actions are a clear violation of my rights under the FCRA, which guarantees my right to privacy and control over my personal and financial data. 

I kindly request your immediate attention to this matter. I believe that the CFPB, with its mandate to protect consumers from unfair, deceptive, or abusive practices and take action against companies that break the law, is best positioned to help me resolve this issue. 

Thank you for your attention to this matter. I look forward to your prompt response and the resolution of this issue. 

Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

Someone try to open a Barclays Bank credit card on XX/XX/XXXX on under name I need that credit inquiry removed from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern, XXXX XXXX Consumer Financial Protection Bureau I am writing to request the removal of unauthorized credit inquiry/inquiries on my ( name of the credit bureauXXXX XXXX XXXX XXXX ) credit report . My latest credit report shows ( number of hard inquiries you are disputing ) credit inquiry/inquiries that I did not authorize.
Product: Checking or savings account

On XX/XX/year> I used my business banking card to pay for proposed services. I spoke with the merchant who confirmed I would receive such services. I traveled to the the venue only to be offered different service options and suggestions for future services. The merchant did not provide the services I paid for and because it was digital I was not paid a refund in cash. Upon attempting to refund my payment online the merchant marked the transaction as cancelled which rules state theres no refund if the customer/me doesnt show up. The transaction was verified once posted. However upon attempting to submit a dispute I was instructed to seek my refund for services not rendered from the merchant up until 15 days. However the merchant has blocked my emails, calls and the bank has yet to seek compensation on my behalf. Rather than stating I must attempt to receive a refund from the merchant.
Product: Credit reporting, credit repair services, or other personal consumer reports

Currently on myequifax website I can can not submit any disputes. My credit report does not show up on the site but it gives me a credit score. attached is a dispute letter to the accounts that I will like to be addressed.
Product: Debt collection

this debt collector of RS Clerk and associates of phone number XXXX had somehow threaten me by perhaps contacting my apartment complex as the third party to stop my XXXX housing assistant. the landlord will not give specific probable cause. because I was not in violation of my XXXX. this XXXX accountant of address XXXX, XXXX , Texas XXXX, phone number XXXX of XXXX I must paid {$850.00} left that i could not paid monthly of {$50.00} anymore. just because the XXXX accountant could not wait every month anymore. the debt collector will not accepted a lower amount of {$30.00} or {$40.00} a month. I do work part time and had problems getting my Social Security XXXX benefits started again and other bills had to paid. but perhaps to contact my apartment complex third party to stop the XXXX should have no civil right of this debt collector.