23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

Account # XXXX XXXX XXXXXXXX XXXX XXXX : XXXX Multiple unexplained charges. Delayed application of payments. Double billing. Erroneous towing reported to credit due their billing systems issues. Unresponsive and dilatory to requests to investigate problems. Billing processing ( i.e. submission, receipt, application ) does not include transaction/confirmation numbers with date/time stamps.
Product: Money transfer, virtual currency, or money service

Dear Consumer Financial Protection Bureau, I am writing to file an urgent complaint against Robinhood, which has caused me significant financial harm and distress. On XX/XX/XXXX, I deposited {$480.00} into my Robinhood account, with the clear expectation that the funds would be available by XX/XX/XXXX, as per their own stated policy. However, on XX/XX/XXXX, my account was locked, and I was unable to access or withdraw my money, despite their assurances that the funds would clear. 

In an attempt to resolve the issue, I tried to cancel the transaction, but Robinhood refused to allow me to do so. Instead, they restricted my account entirely, trapping my money with no clear explanation. I complied with every request they made, providing my ID, Social Security number, and bank statement, but despite all this, my account was closed, and my money is still inaccessible. 

This is not just a technical issue this is theft. Robinhood has stolen my money, and as a direct result of their actions, I have now been evicted from my apartment. My rent was due, and because Robinhood refused to release my funds, I am now homeless. They have left me in a dire financial situation with no way to resolve it.

Furthermore, Robinhood has made it impossible for me to contact them. I am unable to call, email, or chat with anyone from their company. They have effectively disappeared and left me without recourse.

I am demanding the immediate return of my {$480.00}, along with compensation for the harm and suffering caused by their reckless and unlawful actions. I am also demanding interest on the funds that they have held unlawfully, and I request that the Consumer Financial Protection Bureau intervene to force Robinhood to make this right.

Robinhoods actions have caused me significant emotional and financial distress, and I will not stand by while they continue to abuse their position of power. I have all documentation, including screenshots, transaction records, and communications, to support my claims.

Please take immediate action to ensure that Robinhood is held accountable and that my money is returned with interest. I will pursue legal action if necessary, but I am hopeful the CFPB can intervene to resolve this situation as quickly as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several letters to XXXX, XXXX, and Equifax in regards to inaccurate reporting that I've noticed on my credit report and they have failed to meet the request of deleting the inaccurate information from my credit report. I need this account DELETED immediately from my report I do not who these are affecting my entire life.
Product: Debt collection

I have received several threatening phone calls in response to an accident that I was not involved in. I have relayed the information that I wasnt involved in the accident however, they continue to contact me I have asked them several time to stop they then began to call and make threats to have my license suspended they refuse to allow me to talk and explain the situation or even relay the contact information of the involved party they just keep calling and threatening me
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   improperly billed for an incomplete improperly installed HVAC home improvement project. The project financed remains incomplete, does not comply with state and local codes, is unsafe as installed and in dispute. No payments have been made on the account. Billing began in  XXXX   2017 , with the subsequent  three mo nths showi ng 30-60-90 da ys late payment. In  XXXX   XXXX  finally issued a statement ( due  XXXX   XXXX   2017 )  showing no amount due and no late payments. The  XXXX   2017    statement was sent to all   XXXX   credit reporting agencies to dispute 90 day late account report. Result of investigation from all  XXXX  credit reporting agencie s ( Transunion,   XXXX   XXXX   XXXX   ) was  to remove the single 90 day late for  XXXX     2017 f rom credit report and not remove th e 30  and 60 days late for  XXXX  and  XXXX     2017 on  the credit report. This is incorrect as all billing,  XXXX ,  XXXX ,  XXXX ,  XXXX  was and remains premature and statements from  XXXX  forward now show  XXXX  due and  XXXX  past due.
Product: Consumer Loan

I recently tried to purchase a vehicle for XXXX XXXX Nissian XXXX XXXX XXXX XXXX XXXX Ga XXXX. They " supposedly '' had me approved and I signed the paper work and left the dealership with the auto. 3 weeks later after no response from the dealership regarding multiple denial letters I had recieved in the mail I was told I had to return my vehicle because they were unable to get the approval needed. Upon further insights I found they had ran my credit 14 times through various companies making my already poor credit score suffer even more. Making it impossible to even be reconsidered for financing. Just feel this is very unethical and please help.
Product: Credit card or prepaid card

I am having issues with USAA Savings Bank and their reporting to the Credit Agencies. I have sent them 10 letter disputing what they have noted on my Credit Report. When I call their customer service team, they agree with me and say it will be updated. I have provide a great deal of information to no resolve. I even wrote the President & CEO, whose office says it will be corrected and they say it will be corrected and has not been done. 

The rrors are as follows, they say I was late the following times : XXXX - XXXX, 30 days late XXXX - XXXX, 60 days late XXXX - XXXX, 30 days late This account has been open since XX/XX/XXXX and never late before or since. I was told one customer service agent that this was due to a " mix-up '' with another account and it would be fixed and it never has. USAA is such a large institution, I think I have been the victim bureaucracy PLEASE help me get to the right people to remove these errors on all three of my credit reports. I appreciate it so much.
Product: Credit reporting or other personal consumer reports

ive been working in XXXX for 5 years i came back and i found these accounts this is improper use of my credit report. in accordance with with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602, states i have the right to privacy, 15 USC 1681 section 604A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. under 15 USC 1666B, a creditor man not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose i contacted all of them and showed them that i ve been living outside the united states for over 5 years and no one responded XXXX XXXX reported XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Money transfer, virtual currency, or money service

In XX/XX/XXXX  I requested a transaction of ( EUR XXXX ) from my account Wise directly to the account XXXX XXXX XXXX XXXX. I tried to resolve with XXXX seen that this is the host account of XXXX that is the final beneficiary. I tried to resolve with many costumer service inclusive XXXX but nobody help me to recover my money. I know that the transition had been with other currency but Wise.com surely insurance my request and then why nobody try to help to refunded from the XXXX XXXX  XXXX XXXX XXXX ( California ), that is the bank where XXXX XXXX XXXX has the account and where my funds was arrived them. I tried to communicate many time with XXXX, XXXX  and they replied that I'd should contact Wise for refund. Finally I request the refund from Wise, but there was just this response " We sent you the Wire Transaction Details, We can't do more than this, sorry but it was been past many time. For me this is a steal or fraud because Wise tried to while made away time to told me finally that my funds was losted. So, I need your help to try to reclaim them.
Product: Debt collection

A debt collector sue me because i owe XXXX XXXX an amount of XXXX $ and they send me a citaion on XX/XX/2022 with amount of XXXX $ and i called then to discus the payment options, i told that i can make a monthly payment of XXXX $ monthly and they refused that amount even if i said that all what i can afford because i have another bills i need to pay too.
Product: Student loan

I would like to know the specific breakdown of how my  XXXX  Reflected that I paid between   XXXX - XXXX  pe r year, but not last year as it appears to have been fixed for future years but to this point I have over paid in student loan interest when my interest rates were only  4-8 p ercent.     I asked for this information over a year ago from the company and did not get a response. I spoke with the company after my last complaint and asked for it again and was not provided it.     When my loans were consolidated, the payments were not applied correctly over a year ago and I have made several phone calls to try and have someone submit something to fix it but have not been successful.     The loan monies were supposed to pay off the HIGHER interest loans first and leave the lower interest.     I have several loans and I have never had a loan company treat me this way.  XXXX  is who I consolidated with and they realized that they did not give me a loan percentage decrease and proactively sent me an email that they would fix it. I didnt even recognize the mistake, but it seems that there are several reasonable companies to deal with but navient is still not responding to my previous request.     I am only asking for them to fix THEIR mistake and credit me the back money that they owe me as a result. I am not denying any terms I signed.
Product: Debt collection

The balance from my M & M CREDIT ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) with the account number XXXX was paid to the physicians company who stated they would verify as paid in full with your bureau. No update was made. This company has engaged in deceptive practices and violated the Fair Debt Collection Practices Act by reporting a balance on a paid in full and closed account. Please contact this company, verify as Paid, and change status immediately. Please note you are also reporting my private health information. To do so, you must provide your HIPAA clearance to me. Please provide documentation proving that you are not abrogating my rights by reporting.
Product: Vehicle loan or lease

I had a truck loan with Ally Financial. They are showing i was 30 days late on one payment. That is incorrect and this loan is paid in full.
Product: Credit reporting or other personal consumer reports

Please advise on how previous investigation was processed, please provide transcripts on investigation. I have not received an 1099c from this merchant as account was charged off. No accurate information reported on my consumer profile is a violation. Please delete this information from my credit profile or I will be forced to take legal action.
Product: Debt collection

On or before XX/XX/2021, I went to XXXX XXXX XXXX  in XXXX, SC to work out for the last time before I departed for college in XXXX, SC. Since XXXX is XXXX hours from XXXX, I stopped at the membership counter on the way out and spoke to the XXXX 's employee. I explained that I needed to cancel my membership, and after the employee looked up my membership information, the employee told me that my membership " was taken care of ''. Now XXXX 's is claiming I owe {$910.00}!!! This is a very fishy tactic and I suspect they have done the same to many other people, especially since they closed the XXXX location in the last year. Please help me and others that XXXX 's may be treating unfairly.
Product: Mortgage

United Guaranty XXXX XXXX XXXX of North Carolina, has come after me for a property that was foreclosed on in XXXX. The original loan was with XXXX XXXX as Account # XXXX and is currently listed on my credit reports as foreclosed. XXXX XXXX indicated the property was foreclosed on XXXX/XXXX/XXXX and after they sold the property the transferred my account to United Guaranty. I had NEVER received anything from United Guaranty and do n't know why I would owe them anything since the house was foreclosed on, the property was redeemed, I received a cancel debt XXXX to report as income in XXXX. They have now transferred the written off, cancel debt to another malicious collection agency called XXXX XXXX XXXX. This company has now redated the debt, added thousands of $ of interest and put on my credit report account stating that I owe them {$43000.00}. United Guaranty/ XXXX XXXX XXXX and XXXX XXXX has the same debt listed on my credit report! Different Dates, different amounts and different companies that I supposedly owe. My complaint is that they are willfully and maliciously reporting false information to my credit report. ( XXXX ) companies have the SAME information reporting on my credit report and according to FDCPA 807. False or misleading representations- these companies United Guaranty XXXX XXXX XXXX and XXXX XXXX XXXX are clearly violating my rights. I am requesting that because they violated my rights and addition I believe my loan may have been apart of the sham kick-back scheme XXXX : XXXX ). 

I am desperately seeking your the help of the Consumer Financial Protection Bureau to get this information deleted from my credit reports.
Product: Credit card or prepaid card

Credit karma told me I was pre-approved for multiple cards over the past few years. I applied and was denied XXXX XXXX XXXX XXXX  My credit went down each time and I'm just now finding out this is fraud.
Product: Debt collection

On XX/XX/2020, a representative from ERC spoke at legnth with my spouse regarding the alleged debt they claim is owed. This is in violation of 15 U.S. Code 1692b.regarding the disclosure of a debt to a third party. I have since mailed a cease and desist letter to the company and asked for validation of the debt.
Product: Credit reporting or other personal consumer reports

I am filing a report against Equifax for the failing to propery investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating account is accurate, without providing any evidence of a inorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

I submitted detailed dispute letters to Transunion, XXXX and XXXX on XXXX, XXXX, XXXX. About a negative account. 
In stark contrast to their actions XXXX on XXXX. Upon receiving the same documentation, promptly investigated and corrected the issue, updating the account status to " Repaired ''. Thereby, accurately reflecting my credit history. However, both Transunion and XXXX have failed to fulfill their legal obligations under the Fair Credit Reporting Act ( FCRA ). They continue to report this account inaccurately, which is causing substantial harm to my financial standing. The failure to act is a clear violation of the FCRA, which mandates that credit reporting agencies must conduct a reasonable into disputed information and correct or delete any inaccuracies within 30 days. Both agencies have failed to adhere to this legal standard.
Product: Debt collection

Credit Acceptance Corp is reporting incorrectly on XXXX a collection for the amount of {$12000.00} account number XXXX. ( Please see page 39 of the attached credit report. ) This account is not mine. I do not know who Credit Acceptance Corp is and I do not know how this account got reported to XXXX and ended up on my credit report. This incorrect reporting is harming my credit score. I have contacted XXXX to fix this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife and I both froze our credit with all three credit bureaus after the XXXX   information hack in 2017. Recently, we decided to purchase a house and needed to unfreeze our individual credit reports. Because we are residents of the District of Columbia, Experian would not allow us to unfreeze my credit report over the internet and required each of us to send our personal information to their PO Box address, including social security number, a copy of a government ID, the PIN number we created with Experian when we froze our credit and a copy of our recent banking statements. I sent all that information on XX/XX/XXXX through registered mail and received notice from the US Postal Service that it was received on XX/XX/XXXX. As of XX/XX/XXXX, our credit report with Experian has not been unfrozen and I have been given no notification about why not. Experian provides no customer service phone numbers to contact about this matter and all attempts to contact them are routed into the automated service menus. All attempts to reach someone to speak with at Experian have been rebuffed. Experian is providing literally no way for us to resolve this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bankruptcy A-Discharged CH-XXXX  XX/XX/XXXX I have disputed this several times. XXXX XXXX deleted this permanently. This needs to be taken off my report. 

XXXX XXXX XXXX XXXX XX/XX/XXXX Have them to send me the original contract with my signature agreeing to do business with them. They will not find it. Have them to remove it from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the Public Records area of my credit reports, I see a Bankruptcy that was last reported on XX/XX/13 to XXXX XXXX. The account now shows closed and with a XXXX dollar balance and as a Chapter XXXX discharge from Equifax with the same XXXX dollar amount balance. I made the mistakes, I paid my dues and I suffered the embarrassment ; I think its only fair to allow me to go on with my financial life with what I have learned only to grow from it. The account was closed, dismissed, and discharged,  long enough ago for me to now have a piece of mind. Recently, I tried to make a large purchase for my family and the only thing that hendered the purchase was a Bankruptcy that was unfairly remaining on my credit from years ago that is now PAID IN FULL! The statue of limitations for this detrimental information would be up even if the account were open or still valid. Its time to remove the account and stop the deformation of my financial charter. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage with XXXX XXXX  XXXX was transferred to XXXX  XXXX  XXXX, and XXXX had the service on my mortgage since XXXX. I had many hard times with the payments on this mortgage, and I remember being up to 90-says late in XXXX and XXXX. Therefore, my late payments within the legal 84 month timeline qualifies me for the removal of this account. XXXX has even posted the account twice under two separate account numbers. The template to the FCRA is as follows : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 [ United States Code ] or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years. 
( 2 ) Civil suits, civil judgments, and records of arrest that from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period.

( 3 ) Paid tax liens which, from date of payment, antedate the report by more than seven years.

( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. ( 1 ) ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.1 ( b ) Exempted cases. The provisions of subsection ( a ) of this section are not applicable in the case of any consumer credit report to be used in connection with ( 1 ) a credit transaction involving, or which may reasonably be expected to involve, a principal amount of {$150000.00} or more ; ( 2 ) the underwriting of life insurance involving, or which may reasonably be expected to involve, a face amount of {$150000.00} or more ; or ( 3 ) the employment of any individual at an annual salary which equals, or which may reasonably be expected to equal {$75000.00}, or more. ( c ) Running of reporting period. ( 1 ) In general.

The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) ** of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. 

Accordingly, XXXX must give the credit bureaus the proper account payment history, and apply the rules of the subscriber agreement they agreed to with all pertinent credit reporting agencies. This account must be deleted immediately. It has been re-aged and must be deleted permanently. Thank you for your cooperating in this matter. 

XXXX XXXX
Product: Debt collection

I keep getting calls related to a medical bill for my son that occurred in XX/XX/XXXX. I paid the bill entirely in XX/XX/XXXX. I sent copies to Eagle Credit Recovery in XXXX and XXXX showing not only the date of service but also that the copies of the cashed check. I've dealt with this now in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and now again in XX/XX/XXXX. The debt was passed on to XXXX XXXX XXXX  and I've had to start the entire process over. Every interaction I've had with XXXX -- including an XXXX and a XXXX was met with a very rude reaction to my questions and comments. While they " technically '' answered my questions they did so in a passive aggressive/attitude driven way. I feel as though I've being treated unfairly when I've actually gone over and above to prove that I've paid the debt they are attempting to collect. 

The final answer they've given me is that it's pending review and it will take up to 60 days and I will have no notification if the debt is closed successfully which is unacceptable to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a lease with Hyundai from XXXX XXXX XX/XX/2021 and completed paid the lease in full. They even sent me a paid in full email and XXXX my autopay and ability to make payments in XX/XX/2021 as I was completed with the car lease. After the paid in full status, Hyundai reported a repossession then changed it to a charge off/collection for {$190.00} which is inaccurate. I have disputed this for over a year with no results. I have no signed contract with Hyundai to continue making payments to them past my original lease agreement.