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

I opened a brokerage account with ROBINHOOD FINANCIAL , LLC CRD # : XXXX # XXXX XXXX on XX/XX/2022 and I deposited XXXX $ from my own savings account. They claimed that it was a suspicious activity and have been holding my money hostage since then. They asked me for all kind of documentation ( bank statement, copy of SSN card and ID card ) and even after I did provide it all, they still dont want to release my money. I asked to have the money just sent back to my savings account but to no available.
Product: Payday loan, title loan, or personal loan

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/2023 XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Creditor account # XXXX Subject : Cease-and-Desist Notice for Account # XXXX Dear ConServe I am writing to formally bring to your attention a matter of great concern regarding my account, It has come to my attention that certain activities, unauthorized by me, have been taking place within the mentioned account. 

I hereby demand an immediate removal of collection acc. # XXXX and thorough investigation into this matter as it raises serious legal and ethical issues. As per my rights and responsibilities as an account holder with XXXX XXXX XXXX XXXX, I expect prompt and appropriate action to rectify this situation. 


Allow me to emphasize that this account is under my sole ownership, and I am the only individual authorized to conduct transactions on it. Therefore, any transactions carried out without my explicit consent are considered illegitimate and must be reversed or nullified at the earliest. 

I kindly request that you immediately cease and desist all related operations on my account until a full investigation is conducted and a resolution is reached. In addition, I wish to be informed of the steps being taken to rectify this matter and secure my account from further unauthorized activities. 

Please ensure that all communication regarding this issue is conducted in writing and directed to the address provided above. Furthermore, I request that all necessary documentation pertaining to this case be provided to me in a timely manner. 

I trust that XXXX XXXX XXXX XXXX, an institution known for its commitment to customer service, will promptly investigate this matter and take all appropriate actions to resolve this situation. Failure to do so may result in further legal remedies being pursued, should it become necessary. 

I look forward to your immediate attention to this matter and appreciate your cooperation in resolving this dispute promptly. 

Yours sincerely, XXXX XXXX
Product: Credit card or prepaid card

I had applied for a XXXX XXXX Credit Card with Bank of America on XX/XX/XXXX. Application number is XXXX. I called and spoke to a representative named XXXX in the credit department on XX/XX/XXXX and she did a 2nd review of my application and credit and still denied it on basis for grounds that I feel is discriminatory and demand that it be re-looked at again. She told me that I cant be approved because i had several secured credit cards and or loans in the past. Why does that matter. That builds credit. Them loans and credits were never defaulted and were paid as agreed. She asked me why my XXXX XXXX credit cards were closed by the grantor. Why, I will tell you why.. XX/XX/XXXX I had a disagreement with a rep from XXXX  XXXX, I didnt keep my mouth shut, spoke my mind and they didnt like it and closed all my cards with them. Again, why does that matter. They were paid off, on time, and never late. How are you gon na base judgement on someone that had secured products in the past. Who cares. Thats down right discrimatory. You offer secured credit cards .... WHY ... .. FOR WHAT CAUSE. DO YOU DENY PEOPLE BECAUSE THEY HAD A SECURED PRODUCT OF YOURS IN THE PAST. I will take this matter to the highest level of court if i have to. The problem is that you know my credit is very good with a XXXX  of XXXX at the time of application, and just trying to find little reasons to deny it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion said investigation complete. Was unable to access any alleged completed report. 
Reported same information to XXXX, a Transunion affiliate. Company did not acknowledge correction either. 
Credit scores are incorrectly calculated based on incorrect verified errors on credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The account listed below aren't mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

US DEPT ED XXXX DEPTEDXXXX XXXX DEPTEDXXXX  XXXX XXXX XXXX DEPTEDXXXX  XXXX DEPTEDXXXX  XXXX DEPTEDXXXX   XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or remove. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX BALANCED {$0.00} XXXX XXXX BALANCED {$0.00} XXXX XXXX XXXX BALANCED {$6000.00} XXXX XXXX XXXXXXXX BALANCED {$2100.00} XXXX  XXXX XXXX XXXX BALANCED {$0.00} XXXX  XXXX XXXX XXXX BALANCED {$0.00} XXXX XXXX XXXX XXXX BALANCED {$1600.00} XXXX XXXX XXXX XXXX BALANCED {$2400.00} XXXX XXXX XXXX BALANCED {$1300.00}
Product: Mortgage

I paid the property tax bill for this mortgaged property in error on XX/XX/22. The Treasurer 's Office for XXXX XXXX, VA sent a refund check in the amount of {$1000.00} to Citizens Bank on XX/XX/22. After multiple calls to Citizens Bank Customer Service between XX/XX/22 and XXXX, we have only received a refund of {$820.00} despite the fact that all loan payments ( including the escrow portion ) have been made in full and on time for the last 4 years. There is no justification for withholding a portion of this reimbursement in the escrow account controlled by the bank. There were sufficient funds in the escrow account when they made the tax payment, and they have been fully reimbursed by the taxing authority. 
Please assist us in receiving the full reimbursement we are owed. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them from all 3 credit monitoring agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX  Date of inquiry : XX/XX/2020 This is not mine. 

2. Identity Theft XXXX  Date of inquiry : XX/XX/2020 This is not mine. 

3. Identity Theft XXXX MACYS Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXXXXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Account Number : XXXX This is not mine.
Product: Credit reporting or other personal consumer reports

Opt Out Request : Submitted XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DOB : XX/XX/XXXX Consumer Privacy Report Request : Submitted XX/XX/XXXX Please note : AS OF XX/XX/XXXX an active FRAUD ALERT was placed on my XXXX credit profile. Opt out should be effective from XX/XX/XXXX. 

Please Note : AS OF XX/XX/XXXX an active FRAUD ALERT was placed on my XXXX XXXX credit profile. See attached. 

Please note : AS OF XX/XX/XXXX an active FRAUD ALERT was placed on my XXXX credit profile and access to XXXX XXXX IS NOT-PERMITTED, AS THESE ACCOUNTS ARE CLOSED AND PAID - NOT-REAFFIRMED AND INCLUDED IN XXXX XXXX XXXX DISCHARGE. See attached. 

I have collected evidence that demonstrates the fraudulent activity of XXXX XXXX Any parties found to be engaging in attempts to prevent, conceal, redact, and/or destroy evidence will be prosecuted for their complicity in the crimes.

Please find the attached XXXX Credit Profile information. Under FCRA guidelines I am entitled to the names, dates, addresses as well as all information related to the sale and distribution of my personal information.
Product: Mortgage

I was approved for 18 months of assistance from the homeowners assistance fund. Payment has been sent to M & T bank but not posted to my account. Payment was sent to M & T on XX/XX/2022 by Florida XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an unauthorized inquiry on my credit report. I reviewed my credit report and noticed an inquiry from : XXXX XX/XX/year> XXXX XX/XX/year>XXXX XXXX XXXX  XX/XX/year> XXXX XX/XX/year> XXXX XXXX  XX/XX/year> This inquiry was made without my permission, and I believe it is either a mistake or fraudulent. 

According to the Fair Credit Reporting Act, I have the right to dispute any information that I believe is inaccurate. I kindly request that you investigate this inquiry and remove it from my credit report. 

I appreciate your attention to this matter and look forward to your prompt response. 
Thank you for your assistance.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles dispute resolution process, especially in light of the recent CFPB lawsuit that has highlighted serious issues with the platform. Despite being a frequent user of Zelle and reporting discrepancies, my financial institution and Zelle failed to conduct a thorough investigation into my claims. I was informed that recovering lost funds was not possible and that tracking the transactions was impractical. The CFPBs findings suggest that Zelle has not only failed to protect consumers but has also enabled repeat offenders to exploit the system, leaving users exposed to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Student loan

I sent an email to Navient regarding their consistent misapplication of funds in my account. They are lowering amounts showing due and pushing due dates back without my consent. I have instructed them not to alter due dates or amounts due when I add extra to my payments each month. 

When I emailed Navient, I got an auto-reply thinking me for my request to alter my due date. I am just dumbfounded how this company can be trusted with management of so many student loan accounts.
Product: Debt collection

This agency is harassing me over a 10-year-old debt, which is pass the statute of limitation. Their first point of contact was XX/XX/19, and I have not received a written verification or proof of my debts, which they advised they have sent. I am aware that they must send in writing a verification letter within 30 days of the initial contact and collection calls must be stop until the debt is verified. This company has continuously called me and several of my family members with threatening messages. 
This company violated my rights and exposed to my family members information about my debt, which is private information. The law protects states that it is illegal for debt collectors to disclose the existence of debts to anyone other than authorized individuals. I have voice recordings to prove my case. 
I believe this company is a scam and I am requesting that they cease from any contact with me and my family members.
Product: Credit reporting or other personal consumer reports

XXXX XXXX terms of agreement was set XXXX, XXXX a XXXX month term was agreed for $ XXXX.i realize once the agreement was paid in full XX/XX/XXXX with interest. i was being harassed to make more payments for terms i did not agree to. when i reconciled my bank statement i had in fact overpaid the company. the company called and said they changed management and did not have the original agreement to provide and i will be responsible. they refuse to find the original agreement and adding unauthorized activity and lengthening the term. 
XXXX XXXX unknown accounts placed in multiple collections. never had the service. 
XXXX reporting closed charged off student loans. they were charge off by Us Dep of Ed and keep appearing and being harassed for payment. illegal actions. 
XXXX XXXX reporting balance / unauthorized charges. i did not use the card once i paid it off. never been late. i have been deputing the reports and the account got closed wit a balance i did not authorize. 
closed account being reported current late and they were charged off. i had given evidence of fraud and im being ignored.
Product: Vehicle loan or lease

On Monday, XX/XX/XXXX I reached out to XXXX hop finance about my past due balance for XXXX dollars and asked if they were going to be taking the vehicle. I was told that the account has to be at least 30 days past due. The account is not 30 days past you, but they came and repossessed my vehicle today.
Product: Credit card or prepaid card

I began this loan around XX/XX/XXXX. Loan amount {$3800.00} The promotional 0 % interest ( which I did not know about ) ended on XX/XX/XXXX. 
I was never informed that the interest was going to begin at a specific time. Nothing was ever sent to me specifically informing me I was in a promotional 0 % interest for my loan was with a 1-year limit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Following accounts was disputed FOR ACCURACY several times but I am in fact questioning the method of validation for such investigation : XXXX XXXX Inquiry XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX As per my conversation with Equifax Representative ( XXXX ID # XXXX ) today XXXX they are mailing to me XXXX  of all letters to furnishers and from furnishers to validate to me that their investigation was actually completed. If such copies are not received by me in 15 days as prescribed by FCRA all this accounts in question must be deleted and blocked from the further appearance.
Product: Credit reporting or other personal consumer reports

Barclays credit card XXXX sent me to collections and dropped my XXXX XXXX over XXXX points for late pay of the annual fee. However, I never received any paper or email bills from the company stating I had a balance due. I only received a collection notice. I have had that account for years and never been past due or late. The company refused to make any attempt to resolve or assist. I contacted XXXX for a dispute, they only documented costumer disagrees. XXXX late payment of XXXX dollars, when I had no idea I owed that XXXX XXXX should not drop my credit over XXXX point! There should be some resolution process for this.
Product: Credit card or prepaid card

The instructions on the back of my credit card statement for disputing a charge state that I must dispute it in writing, to be sent to the " billing inquiries address listed on the front of your statement. '' There is no such address listed anywhere on my statement. There are three addresses listed on my statement, none of them labeled for billing inquiries. The credit card statement is from AT & T Universal Card. I've gone through AT & T 's laborious, confusing automated customer service phone system to ask them what the billing inquiries address is, but I couldn't get through.This is very frustrating and I assume many others must find this frustrating. Can someone please make AT & T properly list their billing inquiries address on their statements? Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm filing a complaint regarding this account XXXX XXXX XXXX, Account # XXXX XXXX to XXXX, XXXX & Equifax since I have already received a response from XXXX XXXX XXXX XXXX XXXX dated XX/XX/2022, in response to my Dispute letter to Validate the alleged debt I owe to them. They confirmed that they had already closed the file and terminated the collection action to an account stated above.
Product: Checking or savings account

I open my account on XX/XX/XXXX with cash bonus Citi offered. ( EARN {$1000.00} MINIMUM DEPOSIT : {$75000.00}, attached ). I deposited the {$75000.00} through my joint brokerage account in earlier XXXX on XX/XX/XXXX, I got notified my citi checking account will be cancelled without any reason. After calling the number provided within the letter. The customer representative shared the account will be closed within 30 days instead of the 60 days in the letter, and all my money within the checking will be send back to me as a check. 

However, until now XX/XX/XXXX ( after 60 days ), I still didn't receive any letter about my account, I still didn't receive any check for my own money!!! 

Now I can not access my accounts and my own money for more than 60 days. I am unable to afford the mortgage because the money money was swallowed by this bank!!!
Product: Credit card or prepaid card

I had a kohls credit card which is now in collection. the problem is the amount is wrong and the dates are wrong and inaccurate. please also provide me proof of ownership of this debt via a written contract signed by me with my signature, If you do not provide such proof you must delete this account by law,
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Date of Birth XXXX XXXXXX/XX/XXXX SS # : XXXX XX/XX/XXXX Transunion TransUnion LLC Consumer Dispute Center XXXXXXXX XXXX XXXXXXXX XXXX XXXX PA XXXX RE : XXXX Block Request To Whom It May Concern, I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 
XXXX. XXXX Account number : XXXX XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXXXXXX XXXX Account Number : XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act.

Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 
Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter. 

Sincerely, XXXX XXXX
Product: Mortgage

We applied for the HomeOwners Assistance Program in Wisconsin and were awarded XXXX that was sent to Wells Fargo on XX/XX/XXXX. 

They have refused to give us a breakdown of how the money was applied. 

Our Balance at the time of the Homeowners Assistance progran was XXXX with XXXX in a deferred status from XXXX. 

The payment from the state fund was to pay off the deferred amount and to pay the tax bill due from XXXX. 

Now the statement says we owe XXXX and there is still XXXX under deferred interest and they have given me the run around every time I call and will not send a breakdown. 

I believe they have violated our rights under the Truth and Lending Act because how could our balance be XXXX and they are sent XXXX and the loan balance only decreased by XXXX and they are saying we owe XXXX in back payments. 

This makes no sense. 

Please assist.
Product: Debt collection

I had a collection from Credit Collection services that I wasn't notified I had until I received an email from XXXX that my score has gone down. Immediately I called the company to pay it as the amount was only {$500.00}, and asked why they hadn't contacted me. They informed me they had been sending the letters to an address that was incorrect, and had not reached me any other way. They say they attempted to contact me via phone only twice, once in XX/XX/2021 and once in XX/XX/2021, but I never answer unknown numbers and they never spoke to me until XX/XX/2021 when I called them once I had seen it on my credit report. When I called, the representative I spoke to did not inform me I had the right to dispute the debt, did not inform me that paying the debt would not remove a negative mark on my credit report, and told me they had mailed my letters to an incorrect address. I have filed a dispute with all XXXX credit bureaus as I am now currently trying to get a mortgage, and although having 100 % on time payment history, this single collection has damaged my score by over XXXX points. A kind representative from XXXX today contacted CCS and spoke to a supervising XXXX, who informed him they would refuse to authorize XXXX to remove this debt from my credit report even though they failed to notify me or inform me I had a right to dispute, and simply said allowing them to remove it would make my credit report " inaccurate '' even though there are no laws that state this. I am incredibly frustrated and upset, I can't secure a good interest rate and I'm just trying to get ahead in life after years of saving and working hard. I explained my situation to CCS and they refused to help me, even though the rest of my credit report shows I've never missed a payment, ever.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance Owed : {$3700.00} XXXX XXXX Balance Owed : {$2200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I Recents really realize inquiries on my credit report that I did not authorize I have been a victim of identity theft with my ID and Social Security card was stolen I did send out letters. On XXXX, XX/XX/XXXX XXXX and XX/XX/XXXX asking for this inquiries to be removed from my credit report that I do not authorize. customer service at XXXX or XXXX would not help correct my file by deleting the unauthorized inquiries reporting to my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

On XX/XX/2018, I was told that I could not make my {$720.00} payments lower because MY COSIGNER made too much money. My co signer called to try to explain to them that I'm paying for my student loans, and then she too tried to get the payments lowered but told her they saw that she took out a XXXX car loan so they would not be lowering the payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX am writing to complaints on wrong information on my credit report. Following Addresses are inaccurate and not my current or correct address : XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX. Following inquiries are on my report that were not applied for by me : XXXX XXXX XXXX, XXXX XXXX, XXXX 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 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following employers are on my report are not accurate or current : XXXX XXXX XXXX