23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

purchased a XXXX XXXX in XXXX from XXXX paid off in XXXX received ttitles in XXXX traded it in XXXX to XXXX XXXX XXXX texas XXXX, they reported was reported on my credit XXXX/XXXX/XXXX {$1000.00} why would I have the titles if I had a balance, I do not owe anything, please remove off of my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  rejected a {$75.00} enrollment fee, which I attempted to pay. Then, without any notification from them, they closed my account, continued charging late fees for 2 months and reported me as late payment, tremendously impacting my credit. I had never used the card, and was immediately hammered by this company because they don't communicate, and I believe this issue should be dealt with, along with removing the late statuses from my credit.
Product: Credit card

Hi I jjst got an email from Amex statingWe are writing to let you know that, after careful review of your Membership Rewards account activity, we have removed points from your Membership Rewards program account. Please ensure that any Additional Card members who are authorized to redeem points from your account are notified of this change in your Membership Rewards balance. 

Why We Are Removing Your Points We recently noticed point accrual and redemption activity on your Membership Rewards program account that indicates an effort to obtain and use points in a manner that is not appropriate. Please recall that the Membership Rewards program terms and conditions state that " if you attempt to use or obtain points in a fraudulent way, we may : Take away all points in your program account, Cancel your program account, or Cancel any of your American Express Cards '' Your Options If you have any questions about this letter, or if you believe that the points have been removed in error, please contact us at XXXX ( XXXX ) I had an offer in the mail to sign up for Amex Platinum and get XXXX sgin up points when i got that email and called they said i had that offer before and i don`t qualify for this XXXX 1- I had Amex card before and I NEVER REDEEMED any offers as the card was open for 1 week. 

2- i got the offer MAILED to my house with my name on it with an offer code after I applied, did hard pull on my CR and met min. spending requirement now they say you don`t qualify? 

I would like Amex to honor their advertised offer bearing in mind that i fulfilled their terms and conditions and I NEVER redeemed any bonus offers from them in the past
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/ It was reported to my credit that I am late on a loan payment for a vehicle loan through Huntington National Bank. However, the vehicle was totaled and XXXX insurance was to pay off the loan. I have a letter from XXXX expressing that this attempt was made on their part XXXX  times in XXXX of XXXX before realizing they had the wrong information included in their records, and that this is not my fault. After the information was corrected on their end, they overnighted a payment with the correct information to pay off the loan on XX/XX/2023.
Product: Credit reporting or other personal consumer reports

these account not is mine, i have only one account with XXXX  is open. i need removed this accoun from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have NEVER had an account with XXXX XXXX XXXX  but they keep reporting on my credit. I have called them and they have confirmed that there is no existing account. They told me to have it removed, dispute with the credit bureaus because their agents don't know how to remove it. The credit bureaus remove it them later, they put it right back with duplicates on my credit.
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 an 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

On XX/XX/24, I received an email from 5/3 Bank regarding an unauthorized debit card transaction in the amount of {$300.00} by XXXX XXXX. I immediately contacted the XXXX number to report an unauthorized transaction and was put into the dispute area of 5/3 Bank. Today, I followed up because I was unable to access my online account on my phone app and was told by the representative that they don't know how long their investigation will take to place the {$300.00} back into my account for the unauthorized transaction. I have the debit card used ( XXXX ) in my possession and have never allowed anyone access to same. The debit card has been closed as of XX/XX/24.
Product: Debt collection

caught XXXX  2 times on top of that my XXXX kids caught XXXX  spoke with the fortiva rep who said she would update my account stating i had XXXX  my account was closed after i made a partial payment, they are still harassing me about a payment which i just got back to work
Product: Student loan

I was kicked out of school, because of false allegations. All I received was a email from the school without stating I was dismissed. There was no investigation or evidence presented. Then they canceled my email, I was not able to contact anyone. This was done within two semester of me obtaining my XXXX degree. These credits are non transferable there for forcing me to obtain new funding as I would have to start my academic journey for a second time. 
XXXX XXXX  was also on the verge of closing their XXXX campus which brought them pressure to downsize, I believe this was the main cause for my wrongful termination.
Product: Credit reporting, credit repair services, or other personal consumer reports

My auto loan has been open since 2012. Equifax has been reporting for years accurate information then out of nowhere they delete the account. The account, XXXX XXXX, is 1. Open 2. Reaffirmed during bankruptcy 3. Has 1 late payment on XXXX 2014 4. Is current and paid satisfactory according to Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. XXXXXXXX XXXX Inquired on XX/XX/2020, XXXX XXXX XXXX  XXXX on XX/XX/2020, XXXX XXXX XXXX Inquired on XX/XX/2020, XXXX Inquired on XX/XX/2020. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.
Product: Credit reporting

Back in XXXX of this year I pull my credit report I notice several things that did not belong to me. I reach out to the companies by mail some of the items were removed and some where not. I have submitted to Equifax over and over over again to remove the inquires and accounts that are not mines. Along with please removed the double account. Equifax say they investigate the issue they do not I know this because I disputed XXXX account that was not mines and the company removed it. Before I disputed with the original company I tried with Equifax and they sent me a letter telling me this was my account when indeed it was not. Also Equifax have my credit profile with double accounts XXXX listed a bill for for XXXX dollars XXXX times - XXXX XXXX has listed a bill for XXXX times for XXXX dollars. XXXX listed a bill for XXXX once all is showing this was open in 2015. XXXX has list XXXX bills for XXXX and XXXX bills for XXXX listed XXXX times. XXXX I disputed with them a few years back and they fail to investigate and respond to consumers to within the 30-day timeframe. I wrote them again in XXXX 2015 they could not even validate they just send a letter back to me. Also under XXXX XXXX XXXX the collection company have listed XXXX XXXX times and XXXX XXXX times and XXXX XXXX times and I reach out to them and these debts they are not showing me in the information they mail me. Also Equifax has XXXX accounts listed in open collections. XXXX - XXXX is listed as open when indeed XXXX sent me a letter back in XXXX or XXXX where they could not validate this to be mines and the letter states they would close this account - I sent the letter to Equifax twice I just sent the letter again on XXXX I sent the letter to XXXX and they did close the account. Equifax has XXXX open collections on my credit profile and my credit score of XXXX. XXXX has XXXX open collection with a credit score of XXXX I still show XXXX XXXX on my profile just not close. I have also request by writing to XXXX and Equifax to remove the dispute status off each account I disputed and they did not properly investigate and remove this never happen. XXXX is totaling to show XXXX and Equifax shows XXXX in debt. I also will like to file a complaint against the collection company that has double jeopardy this has ruin my life. I can fax you letters and any proof needed. I did not want to go this far in filing this. However each and every one of the Credit Bureaus list what they want to and do not investigate anything. And Experian I seen so much on that report I never even seen before and so any inquires. I have sent a police report showing that my computer was hack a few years back and the hacker got all my store personal information and still these credit bureau companies will not help. And these collection companies are double jeopardy me they keep listing the same account can be reach at XXXX. I can not attach my proof I 'm currently at work If you have a fax number or email I would love to send you the information. 


Thank YouXXXX XXXX XXXX XXXX XXXX, Texas XXXXXXXXXXXX
Product: Prepaid card

Purchase a Visa gift card from XXXX XX/XX/23, depositing {$300.00} on card for online shopping.After activating card it allowed no transactions, Called Vanilla Card Company, sent all documents asked.Faxed & E-mail 5 times because customer representatives said no faxes or email 's were being received in the time period asked.And closed out my card.I have proof of timely sent Faxes, E-mails. Along with receipt of purchase for card.Can you help me too resolve this {$300.00} problem thank you.
Product: Credit card or prepaid card

Account with XXXX XXXX was opened and used by another person
Product: Credit reporting, credit repair services, or other personal consumer reports

I have carefully reviewed my credit report in Experian. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. XXXX XXXX XXXX
Product: Checking or savings account

In XXXX of 2022 I received an international wire transfer per the attached screenshot. Ally bank for a reason unknown received the money and then sent it back to the sender, which the original sender has as of the date of this complaint not received. I have called and written emails to Ally Bank to find out where the money is and no one seem to be able to give me any answers and hands me off to other representatives who also have not much information. I am requesting that this be investigated so that the sender can re-send me the money as this was for a refund on a vacation. I am requesting that Ally bank communicate in writing only regarding this matter please.
Product: Checking or savings account

My name is XXXX XXXX XXXX I am a XXXX XXXX XXXX XXXX woman that can not do much for myself. I didnt realize I lost my debit card in New York before going back to my residence in XXXX where I noticed I didnt have my card and my money was taken from my account. I am a sick elder and Navy Federal refuses to help me. I did not authorize or approve any withdrawals on my account and according to the XXXX XXXX XXXX for unauthorized transactions this is considered fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXXXXXX 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: Money transfer, virtual currency, or money service

Around XXXX XXXX  on XX/XX/, I started receiving notifications on my XXXX XXXX that all my positions were sold including XXXX, XXXX, and two other stocks I had purchased. I thought this was strange because I never made an order to sell. I quickly logged onto Robinhood and noticed I had {$20000.00} in my account. This was highly confusing to me because the day before I only had somewhere between {$4000.00} and {$4500.00}. I looked at my transfers and noticed that {$20000.00} was deposited into my account from my bank account. I did not authorize this transaction. In fact, I only had {$1.00} in my bank account. I cancelled the pending transaction, but it was too late, the hacker was already spending the {$20000.00}. Robinhood does " instant deposits. '' Before they check if you even have the money, they deposit it into your account to invest with right away. The hacker purchased several option contracts which expired in minutes. They spent {$20000.00} ( money that does not exist ) and they spent the money I had in my account. I was able to transfer {$2600.00} into my bank account before the hacker spent that money as well. I contacted Robinhood at XXXX XXXX  that day. This is almost immediately after noticing the suspicious activity. Robinhood closed my account so no other transactions could be made. They asked me questions and said they will get back to me. It has been three days now and I am out around {$2000.00}. I used Robinhood because I trusted their platform. Whatever happened to two-step verification? I was never notified that my account was logged in from another device. Secondly, I never authorized a withdrawal from my bank account. I have never bought option contracts before. To purchase option contracts on Robinhood, you have to manually sign up for it through the app and the hacker did this. I never shared my login information to anyone and I only use Robinhood through my phone or computer. The hacker not only stole money from myself, but Robinhood. If it was not for instant deposits the hacker would not have been able to spend all of the money and if Robinhood had a more strict login protocol, this would not have happened. I dont understand how this happened because when I login to Robinhood from my computer, they ask me to sign in on my phone to verify, so how did the hacker get into my account? Robinhood has yet to tell me where these transactions have been made and have no proof that I authorized these transactions. Upon further research, I have discovered many other accounts have been hacked on Robinhood and this has been an ongoing problem for years.
Product: Credit reporting or other personal consumer reports

This is purely identity theft. I do not recognize these accounts. These accounts are damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX # XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/2022 XXXX XXXX XX/XX/XXXX XXXX REMOVE THESE IDENTITY THEFT ACCOUNTS ASAP!!! 

I will never stop filing complaints against you because I know my rights! 

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

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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: Credit reporting or other personal consumer reports

They are trying to collect on a debt that was dismissed by the court
Product: Money transfer, virtual currency, or money service

1. On XX/XX/XXXX, we XXXX XXXX XXXX from XXXX invested in XXXX XXXX, XXXX in New Jersey, USA. 

2. In XX/XX/XXXX, XXXX XXXX XXXX XXXX was acquired. We XXXX XXXX  transferred shares to the new buyer. XXXX XXXX XXXX XXXX appointed XXXX XXXX XXXX XXXX XXXX to transact mergers and shares affairs. At that time, DB temporarily withheld an amount of money from all the investors for escrow use, and if there is any left, it will be refunded to the investor time by time. ( For example, to pay taxes ) 3. In XX/XX/XXXX, another XXXX shareholder of XXXX XXXX informed us that DB erroneously withheld 30 % of the tax for overseas shareholders. The nature of this amount is the capital principal and should not be withheld. We immediately asked DB about this. 

4. DB answered that because the W-8BEN form we gave before was expired, they withheld 30 % of the tax directly, but DBs statement has problems : a. The nature of the amount incorrectly withheld in XXXX XXXX is " Investment Principle '' and not capital gain, so it should not be withheld. This is not related to the W-8ben form. In fact, DB made a tax error to cause investors losses, but DB has been reluctant to actively fix this error. 

b. DB said that they had notified overseas shareholders to update the valid W-8BEN form, but we never receive the notice. Another oversea shareholder also told us that they never received the notification, and they also think that DB should be responsible for this. 

c. We asked DB to provide the notified records to us, such as e-mail, etc., but DB has never provided it. We began to question whether DB 's answer was true.

5. DB Services America , Inc. is still unwilling to take responsibility for these overseas investors, which has affected the willingness of overseas investors to invest in the United States in the future. 

6. The complainants this time are 4 XXXX XXXX companies, and the total amount of wrongful withholding tax is XXXX {$180000.00}. We believe that DB Services Americas, Inc. should be held responsible for their mistakes and compensate us for our losses.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protection consumer rights to privacy and confidentiality under 15U.S.C .1681 ... the accounts below has violated my rights. 15 U.S.C. section 602a state i have the right to privacy ... ..15 U.S.C 1681 1681c ( a ) ( 5 ) Section states : NO consumer reporting containing any of the following items of information any other adverse item of information, other than records of CONVICTIONS of crimes which antedates the reporter by more than 7 years. 15 U.S.C. 16811s-2 ( A ) ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I have been trying for 2 months to payoff my mortgage which has a high rate, and I 'm retired. I have called Dovenmuehle consumer service dept. to complain on XXXX, XXXX, XXXX, and XXXX, each time doing exactly the required paperwork and sending it US mail, email, and their internal email. I am told each time that they have records of my calls, but not the written requests, and will not take phone requests. On XXXX, they finally put me through to a. Supervisor who told me he would personally guarantee that the payoff info would be sent out the next Monday.. It is now 10 days later, and no word. Today, their automated system would not even recognize my loan number. We told them in XXXX about our address change and repeated the new address on every phone call and written correspondence since. HELP!
Product: Credit reporting or other personal consumer reports

Tried to get my free credit report from Experian several times within the last month and could not gain access. 

Tried to obtain my free Experian credit report through XXXX and could not gain access to it. 

Experian requested that I created an account, which I created with my email address XXXX as the username. But everything I tried going to the next step error message states : Experian is committed to protecting your personal information. We utilize a thorough identity verification system because your security is important to us. 
Unfortunately, we have not been able to properly identify you from the information you provided. Please note that your order has been canceled. 
Call us toll-free at XXXX Hours of operation : Mon - Fri : XXXX XXXX to XXXX XXXX PT Sat - Sun : XXXX XXXX to XXXX XXXX PT, All I want is to obtain my credit report online. 

I called XXXX only to be told wait 72 hours and called back, because system lock file. ; I call back XXXX three days later and the automated system would not connect me with a live person. 

Felt that the automated telephone system purposely had me going through different prompts that prevented me from speaking to a live person. 

As of today, I dont have access online with Experian to get my free credit report or to file a dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to REMOVE the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX, KY XXXX ; XXXX XXXX XXXX XXXX, MI XXXXXXXX XXXX XXXX XXXX XXXXXXXX, KY XXXX ; XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX : {$5100.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.