23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Between XXXX and XX/XX/ Robinhood allowed fraudulent charges to my spending account. I was in the hospital and my wallet was stolen. During this time, Fraudulent charges occurred at what appears to be a casino in XXXX, OK. My phone and wallet were both stolen from the hospital. These charges range from XXXX to XXXX, to XXXX to a XXXX restaurant. These facilities were located in another state over 4 Hours from my home address in Texas. All of these charges occurred in OKLAHOMA. I reported this once I was able to exit the hospital, I took a look at my charge list and see charges to this facility. I immediately reported the card as stolen, and reported the charges as unauthorized as soon as the system would allow me. Robinhood denied my dispute telling me I didn't provide relevant information. Even though I advised I was in the hospital at the time and these charges are not from me. I did not sign any receipt. The pin number was stolen with the wallet which was written down on paper. Robinhood was aware of that when I reported these charges. Additionally my phone was stolen at the same time, and I had to obtain a new phone. None of these charges were ever signed nor authorized. Which I explained to Robinhood. I was in the hospital in XXXX, TX. This merchant is in Oklahoma. Over 4 Hours away from my hospital. I again do not do business with this merchant. Robinhood requested further documentation which I am providing an FTC Identity theft Affidavit. Robinhood also told me I need to provide them proof of a credit report or a credit pull during these transactions. Yet Debit transactions have NOTHING to do with Credit. These are Fraudulent Withdrawals and transactions. Again, I did not physically make any of these transactions. These are fraudulent withdrawals and fraudulent transactions to a facility over 4 HOURS AWAY. In another state. I do not believe robin hood conducted a proper investigation and I am owed a refund for unauthorized charges. I did not sign any receipts nor provide my information to this merchant or merchants. I had previously scheduled Apple pay deposits around this time, I did not PRE SCHEDULE ANY of these fraudulent charges. Again I was in the hospital in a procedure at the time of these transactions. I have provided attached an FTC Affidavit and this is a legal consumer statement of the fraud. Robinhood needs to conduct a proper investigation and provide me refunds to these UNAUTHORIZED Charges. As required by the EFT ACT. I am not responsible for unauthorized charges.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in Cushman v TransUnion, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

At the end of XXXX I tried to open a 18-month CD with Capital One Bank online . After a couple of days I realized they never received the transfer of funds from my existing Bank, XXXX XXXX. I went in person and we did the whole thing with the manager and she said everything was fine. A week went by, I called several times I was told to wait a few days it takes a while As of today I was told when I called that the account was closed because the money never transferred. I explained that I saw on social media that Capital One was having trouble with their funds transfer software. They just insisted that I did something wrong, this after several attempts and several phone calls and a personal appearance. No one called me or acknowledged the account.
Product: Credit reporting or other personal consumer reports

I have reported to all entities including the creditors that this information is a result of identity theft. Transunion XXXX and XXXX were all provided a copy of FTC report with all accounts that do not belong to me. All on the report were removed except the account XXXX XXXX XXXX. 

I requested a block for the accounts listed on the FTC report FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
ALL OF THIS WAS SENT TO THE CREDIT AGENCIES The credit agency came back and said a block was not required, however all the other accounts listed were blocked and removed XXXX and XXXX. 

None of this applies to this account - The account was NOT disputed in error, - The block was NOT requested on basis of material misrepresentation. 
- I did NOT obtain possession of goods, services, or money as a result of the blocked transaction or transactions. 

FCRA 605B ( 15 U.S.C. 1681c-2 ) ( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines that ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im a divorcee, worked 1 and 2 jobs most of my life and raised XXXX sons ( now grown ) on my own and never made excuses. 
Ive always taken personal responsibility for my poor credit, but when I XXXX in 2012, I filed for a Chapter XXXX and yet paid my bills and managed to pay off {$40000.00} in a 6 year period. 
My sons were now grown and my income had improved, so I worked on improving my credit. 
Ive monitored my credit for 6-7 years and its slowly improved. However, the Bankruptcy recently fell off my credit, and now after 6-7 years my credit score dropped 53 points.

In 6-7 years, Ive paid my bills on time and most often paid them early.

Now Im being told that because of algorithm used by Transunion, its impacted my credit score negatively.

There is something very wrong with this. I understand that Transunion and XXXX are separate companies, but with XXXX my score fell for the same reason 8 points. 
Its like Transunion is working against me and others. There is something very wrong with this picture. 
Transunion uses terms like algorithm as an excuse. I am asking that you look at my credit report situation and correct my credit report. I am XXXX years old now..through an emergency situation that recently arose, I was made aware that I need a new roof on part of my house. I was looking forward to getting a positive credit score so that I could arrange for financing at a decent interest rate. Transunion has caused me great harm. I am very upset.please advise.
Product: Credit reporting or other personal consumer reports

I have contacted Synchrony Bank repeatedly regarding my balance on an Amazon Store Card. The balance is being reported as {$1000.00} charged off, {$1000.00} due on credit reporting agencies. When contacted to settle the account, Ive been told that synchrony has ceased all collections of the past due amount and that a payment will not be accepted. I have attempted more than once to at least get the balance down to {$0.00}, even if it continues to report as a charge off the balance is impacting my utilization. Ive attempted to reach XXXX XXXX several times from my previous complaint yet she refuses to return phone calls. Calls on the phone to the general synchrony lines are met with individuals who just reiterate I cant make a payment.
Product: Checking or savings account

I opened my Capital One 360 savings account in XXXXXXXX XXXX XXXXXXXX The interest rate was advertised and rewarded at 4.35 %. I checked this month and the interest rate went down to 3.80 %. I was not notified of this change, no email, no phone call, nothing. I rechecked all of my statements and the interest rate gradually decreased over the months. The interest rate decrease does reflect on the statement, but I was not told this would happen. I dont regularly check my statements.
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and corrected immediately. The XXXXhree credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my report. Thank you. 
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: Credit reporting, credit repair services, or other personal consumer reports

This accounts are inaccurate and false reporting. Please remove it from my credit report. 



XXXX XXXX / XXXX / {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX / {$190.00} Chapter XXXX Bankruptcy / XXXX / {$0.00}
Product: Credit reporting

I have items on my credit report that exceed the 7 year mark and need to be removed
Product: Debt collection

On XX/XX/2019 I was informed by my tenant and then verified by the US Postal Office that XXXX XXXX XXXX XXXX and all previous Trustees have been illegally sending my personal financial information to a Mrs. XXXX located at XXXX WA XXXX. 

We have checked and verified with the postal service that this has been occurring for a few years now, even before XXXX XXXX XXXX XXXX was called XXXX XXXX etc ... so this company has been sending my private information out to this party ( XXXX XXXX ) and who knows whom else for years now and I am demanding that this privacy breech stop NOW! 

Ms XXXX has also verified that she has been receiving our personal financial documents, letters, Notices etc for years as well! 

She has used and is currently using my personal financial information to interfere with my landlord/tenant business relationship as well as harass and intimidate me and my tenants in order to get me to walk away from a modification so she can purchase my property at a foreclosure sale for a cheap price! The illegal actions of both Shellpoint Mortgage Servicing and their trustees have caused me severe financial difficulties and now I am facing a XX/XX/2019 sale date in order to go through with Ms XXXX threats as she is working with these companies to interfere with my legal rights for a modification. This person is a licensed real estate agent and should also be held to state and federal laws that are being broken to commit these fraudulent crimes!
Product: Credit reporting, credit repair services, or other personal consumer reports

( 18 ) Unidentified inquires on Transunion report.
Product: Checking or savings account

On XX/XX/XXXX, a washed check cleared the business account that we wrote through Truist in the amount {$14000.00} on check XXXX. We did not notice this as when we check online banking the criminal had not changed the amounts! On XX/XX/XXXX, a second washed check cleared the business account in the amount of {$12000.00} with check number XXXX. On XX/XX/XXXX our vendor made it aware to us that they had not received payments, We then went to our local Truist Bank branch found these two washed checks, and made a fraud claim. Both checks were deposited online to XXXX XXXX  under two separate names and addresses. Truist fraud department is denying our credits for this fraud due to late reporting. In fact, we reported the second check just 2 days after the statement was realized but because the first check was unfound on XX/XX/XXXX they are denying credit for both checks. We use banks to protect us against theft. This was grand theft and Truist is using an arbitrary time loophole to put the bill on us! They say they are working with XXXX to recover the money but it may take up to 6 months and let 's be honest why would XXXX just be willing hand over {$27.00}, XXXX to anyone. We need your help! This is a small business and this much money makes a big deal for us! Its equivalent to a half year salary for one of my employees.
Product: Debt collection

I recently sent them a letter on XX/XX/22 and I have not received an response from them. There is an account that I do not recognize, and I have asked to investigate this account numerous times but have not received anything from XXXX, XXXX, XXXX XXXX or I C System. I was incarcerated when this account shows it was opened. I'm not sure if someone else opened this account in my name or what but this is not the only inaccurate information on my report.
Product: Vehicle loan or lease

I have a loan with GM FINANCIAL. I have always made my payments on time yet the item has been repossessed. Another thing, this was an illegal repossession followed by illegally reporting on my credit report ; this should have been investigated and corrected immediately. I tried contacting XXXX, XXXX, and XXXX Credit Bureaus requesting a complete payment history with this account for me to review the exact date on which the late payments and repossession were posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. There was definitely an error on their part. There was definitely an error on their part. The bureaus are condoning illegal behavior and willfully in violation of FCRA. PLEASE REMOVE IT FROM MY REPORT IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and Equifax refused to accurately investigate or remove inaccurate accounts from my credit report as follows : XXXX XXXX with account number XXXX XXXXXXXX XXXX  with account number XXXX XXXXXXXX XXXX  with account number XXXX XXXX with account number XXXX XXXX XXXX XXXX with account number XXXX XXXX XXXX XXXX with account number XXXX XXXX XXXX XXXX with account number XXXX XXXX XXXX XXXX with account number XXXXXXXX XXXX XXXX XXXXXXXX with account number XXXX All of the above accounts are reporting inaccurate information and contain different information in all 3 bureaus, which violates 15 USC 1692e.
Product: Debt collection

On XX/XX/XXXX, I contacted American Express to resolve the issues previously reported with this agency in regard to contacting me, and offer a settlement to avoid possible litigation. The letter specifically states that it is " not a validation request ''. Please see the attachment titled " SettlementOffer21821 ''. Rather than resolve this matter, American Express, continued to respond as if the letter was a validation request, or " dispute ''. Beginning on XXXX, XXXX, XXXX, American Express, first sent an improper message stating that it wanted to contact me, via email, in regard to a " dispute '', but the address wasn't working. Then on, XX/XX/XXXX, American Express, wrote to state that in " response to my inquiry '', their alleged account is in internal collections. Finally on XXXX, XXXX, XXXX, American Express, contacted me to state that they have not finished investigating " my inquiry ''. Please see the attached document titled " 321violations ''. Of course, there is no inquiry, or intended dispute at this time, and these responses are improper. Again, I contacted American Express in hope of reaching a settlement agreement without intervention. These messages are further violations of past complaints in regard to American Express dubiously bombarding my mail box with its alleged and unwanted documents, rather than providing a proper response in hope of resolution. I contacted American Express in XXXX to stop contacting me under the Fair Collection Acts. This complaint is not a validation request, or intended as an admission or denial of any debt.
Product: Credit card or prepaid card

On XX/XX/XXXX, I noticed fraudulent charges on my credit card account in the total amount of {$1400.00}, including 5 charges from XXXX ; {$270.00}, {$65.00}, {$320.00}, {$320.00}, {$430.00}. I immediately notified Bank of America ( BoA ) over the phone regarding those fraudulent charges. 
On XX/XX/XXXX, BoA sent a letter saying that the fraud claim was not approved because " we confirmed the merchandise was shipped or service ( s ) was provided to an address listed on your account ''. However, nor only did I nor any of my family member not make any purchases from XXXX, but also we did not receive any merchandise nor service ( s ). There was no information nor evidence provided that proves those were our charges. 
On XX/XX/XXXX, I made a call to the BoA dispute department and asked to reopen the investigation and send us any information and evidence pertaining to these fraud charges. However, they never send any further information. 
On XX/XX/XXXX, I mailed ( registered mail ) a letter to BoA asking to re-investigate and provide more detailed information on those charges. 
On XX/XX/XXXX, I received another letter from BoA ( dated XX/XX/XXXX ) saying that " our decision to decline your fraud claim for this transaction ( s ) hasn't changed ''. However, there was no further information such as the name of the person who made the purchases, email address, phone number, IP address in which those charges were made, and the proof that those merchandises or service ( s ) were received at our address, etc. 
As of XX/XX/XXXX, I have not heard nor received any correspondence from BoA regarding this matter.
Product: Credit reporting or other personal consumer reports

To Whom It XXXX Concern, Acima Leasing ( hereinafter us, we, our ) responded to my second complaint # XXXX and stated they have already addressed my concerns but in fact have NOT Acima did XXXX IRS FORM XXXX which was not a concern of mind I acknowledge in the first complaint # XXXX I was aware a XXXX was NOT filed Acima also stated no XXXX claim for debt was filed divulging other unwarranted information and I was still responsible for the debt as of XX/XX/year> but if I had any further concerns call XXXX DEPARTMENT @ ( XXXX ) XXXX which I did on XX/XX/year> and spoke to XXXX in XXXX department XXXX a recorded line who also could not give me an answers after XXXX suggested I email the Bankruptcy department and maybe they could answer whether or not this debt was filed as a profit loss with the IRS for any tax XXXX I have asked specifically very clearly in both complaints referenced above was this debt filed with the IRS as a profit XXXX to receive any tax benefit and Acima has allude my XXXX in both complaint so that leads me back filing a third complaint requesting information did Acima file Schedule C XXXX form XXXX ) profit or loss from business and was this lease # XXXX debt of {$5600.00} included in that filing or any IRS form to receive XXXX tax benefit?
Product: Credit reporting, credit repair services, or other personal consumer reports

An inquiry was placed on my credit report on XX/XX/XXXX in which I personally never applied for from this Company. Nor have I ever heard of this organization. I reached out to this company on XX/XX/XXXX and was told inquiry would be handled. I never received any documentation and inquiry is still on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am bothered by the action taken by the Credit Bureaus! It appears that my credit has been compromised and yet the Credit Bureaus have been ignorant! I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the Credit Bureaus are required by law to remove any account and information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for yours and the bank 's records. Please remove these files. If the Credit Bureaus feel there is a possibility these items belong to me I will require all documentation which bears my signature. If the Credit Bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. So please comply with the law so this matter can be handled swiftly. Please remove the disputed items as they were opened without my consent or knowledge, pursuant to Section 605B of Fair Credit Reporting Act : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXXXXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$6200.00} XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX  XXXX Balance {$0.00} Date opened XX/XX/XXXX XXXX XXXX  XXXX XXXX Balance {$0.00} XXXX XXXX  XXXX XXXX Balance {$0.00} XXXX  XXXX Balance {$0.00} Date opened XX/XX/XXXX XXXX  XXXX XXXX Balance {$15000.00} XXXX XXXX  XXXX Balance {$19000.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXXXXXX Balance {$0.00} XXXX  XXXX Balance {$19000.00} XXXX XXXX  XXXX Balance {$0.00} XXXX XXXX  XXXX Balance {$0.00} XXXX XXXX  XXXX Balance {$0.00} XXXX XXXX  XXXX Balance {$9700.00} XXXX XXXX  XXXX Balance {$6500.00} XXXX XXXX  XXXX Balance {$3200.00} XXXX XXXX  XXXX Balance {$0.00} XXXX XXXXXXXX Balance {$3700.00}