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

On XX/XX/XXXX I purchased approximately {$2000.00} of stocks and some options on the trading app Robinhood Financial LLC. I have been trading stocks on Robinhood for 3 years and everything I have purchased I have been able to buy, sell, and trade options on the securities after I purchased them. Today on XX/XX/XXXX I am no longer able to trade these stocks and options as I normally would be able to, resulting in my ability to earn money. Now the securities are worthless as Robinhood has restricted people from trading the stocks. Robinhood manipulated the market.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ally financial keep negative report in my account and its wrong
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted a complaint with the Consumer Financial Protection Bureaus website to get assistance in correcting this information and Trans Union added more fraudulent addresses for out of state. Now I am submitting an additional complaint and hope this can be expedited so that I can be done once and for all with this. 

On XX/XX/XXXX I paid {$20.00} for a certified letter to Trans Union containing a signed and notarized document, notary certificate and a Identity Theft Affidavit. On XX/XX/XXXX I received confirmation that Trans Union received my certified letter and it's contents. As of XX/XX/XXXX, I paid the credit monitoring website, XXXX a fee of {$24.00} to refresh my credit reports with all three credit bureaus and I became aware that the fraudulent information with Trans Union is still on my credit report. There are fraudulent/invalid addresses which are not mine. I have lived at my current residence in XXXX, Ca for over 10 years ( Since XXXX ) and I have never lived out of state. 

On XX/XX/XXXX, I paid an additional {$24.00} to my credit monitoring account to refresh all three bureaus and noticed Trans Union added more out of state fraudulent accounts.
Product: Credit card or prepaid card

I have had this CapitalOne credit card for nearly two years. I have no late payments. It is a secured card. I have asked multiple times when I will get a credit line increase for this card. The credit limit is {$500.00} and I have to pay this card down multiple times a week when I travel for work. Sometimes I become stranded at airports because I can't rent a car while a payment is pending. CapitalOne has told me over and over and over and over and over and over and over that there is a random system that will grant me a credit line increase when I meet the criteria. I demanded CapitalOne tell me who administers this 'random system ' and then they told me that it is done by under writers. I demanded to know where the under writers are, and CapitalOne says they can not reach them because they are in another building. I want the credit line on this card increased to {$10000.00} so that I can use it for work. I want an explanation in detail why I have been told different versions of how this card is considered for limit increase.
Product: Payday loan, title loan, or personal loan

This loan was opened by someone other than me I was a victim of fraud and they refuse to remove it from my credit and also theyre adding interest on the loan which isnt mine.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern and frustration regarding a dispute I have raised with XXXX concerning unauthorized hard inquiries on my credit report. These inquiries are inaccurate, have a detrimental impact on my creditworthiness, and I urgently request their removal in accordance with the Fair Credit Reporting Act ( FCRA ). 

The following unauthorized hard inquiries have been reported on my XXXX 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  I have diligently reviewed my credit report and can affirmatively state that I neither authorized nor initiated these inquiries. The inaccuracies in my credit report are not only damaging my credit score but also affecting my financial well-being. It is my understanding that the FCRA mandates accurate reporting by credit bureaus, and the presence of unauthorized and erroneous hard inquiries directly contradicts this requirement. 

I have previously contacted XXXX to dispute these inaccuracies, providing all necessary documentation and information to support my claim. However, despite my efforts, XXXX has not taken appropriate action to rectify the situation, and these unauthorized inquiries remain on my credit report. 

I kindly request your intervention in this matter to ensure that XXXX promptly investigates and resolves this dispute in accordance with the law. I urge you to take immediate action to facilitate the removal of these inaccuracies from my credit report to restore the accuracy and integrity of my credit profile. 

I appreciate your attention to this matter and request that you keep me informed of the progress and resolution of this dispute. I look forward to a swift resolution in compliance with the FCRA. 

Thank you for your assistance in this crucial matter. 

Sincerely, XXXX XXXX
Product: Mortgage

UNABLE TO CONTINUE WITH MONTHLY PAYMENTS ON PROPERTY DUE TO UPSTART OF NEW BUSINESS VENTURE AND THE DEPLETION PERSONAL ASSETS.
Product: Mortgage

Water came into my kitchen from a broken pipe at XXXX XXXX XXXX XXXX. XXXX, GA XXXX. I share a wall with this townhouse. The address is a foreclosure and XXXX XXXX XXXX is the mortgage holder now. I have been fighting this issue since XXXX 2015. My only contact at XXXX XXXX is XXXX. She has at times been friendly, sometimes hostile but never comes through with a solution. I feel as though I am being ignored. I do n't know if I have mold growing under my linoleum or in the wall. The water continued to come in for a month because there was no way to enter the house and everyone I contacted blamed it on someone else. I hired a plumber who told me it was coming from # XXXX. He could reach into a broken section of their garage and could feel the standing water. Finally the original mortgage company, XXXX XXXX, sent out XXXX men who entered the house and fixed the pipe. On XXXX/XXXX/15 an inspector was at # XXXX. He would not tell me who sent him, but only said they wanted to know what the lady next door ( me ) was complaining about. He said there was a leak in every room and possibly black mold in the sunroom. The roof at # XXXX has been soft for years. The hole in the roof over the sunroom has been there for more than 6 years.
Product: Credit reporting or other personal consumer reports

I can not access my Experian reports using my Social Security number and telephone or address.
Product: Money transfer, virtual currency, or money service

I began calling around XXXX almost XXXX eastern time. I spoke with someone who was able to help me change the receiver name for my XXXX XXXX transfer. I was emailed a third party form and put my Fathers name XXXX XXXX at the receiver. I sent it back and called back immediately. I then was told to call back in 30 mins. Within 30 mins I called back and they said that they were waiting for XXXX XXXX to approve it. I asked the representative if they could called XXXX XXXX and she acted as if she was unaware of how the process was done. I end up calling XXXX XXXX myself and was told that all they needed from XXXX was the employee XXXX  number that would be approving this request. I then called back once more and requested this information and was hung up on. I called back and was hung up on again. I have been told that this request would go through today and now I just played phone tag with this company and XXXX XXXX for hours, just to see no results. After being told the request would be approved by today. It looks like to me that this company could care less about the XXXX XXXX I am going through. This company got paid for approving my advancement and now it looks like this company could care less on how or when I receive my funds. I will be telling everyone about this and posting this experience everyone on the internet. I will never request anything from this company again and best believe I will make sure no one I know will ever use this company for anything. Thank you for taking my money and showing me you dont value me as a client. Kindly issue my money so I can part ways and protect my peace. This company has cause me so much unnecessary stressed. Worst company ever!
Product: Credit reporting, credit repair services, or other personal consumer reports

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

PNC bank accnt : XXXX This account was lost and had all the unauthorized charges since early XXXX. I've called and reported first thing when I got back from overseas. They reviewed and ruled that this was all mine, even thought I lost it a month prior. Since then, I've called XXXX more times, but each time i got nowhere. They kept transferred me around and promised me someone will call me back but nothing ever happened. Its been like this 6 -9 months now. NOw my credit report scores had dropped down significantly. it messed my score really badly. I need help with this urgent. I dont know where to go. Please come in and help me disputing and resolving this.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reportedd to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
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 has 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 XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, 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/XXXX 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. 

XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I had a mortgage with XXXX for my property for over 12 years ... ... XXXX sold the mortgage to Bayview Loan Servicing. I keep seeing a reoccurring charge for the amount of {$7400.00} ... .labeled as Corporate Advance. I have tried numerous times with verbal communication with Bayview to explain this charge ... ..I have sent them 2 written requests for information regarding this charge. I have requested in writing for time sheets, explanation of charges, the name of the law firm along with the attorney who handled the case. I have gotten nothing and nowhere when I have requested info on this charge ... ..and have been ignored.
Product: Credit reporting, credit repair services, or other personal consumer reports

On all XXXX credit bureaus. I have disputed numerous addresses. There are still more that do not belong to me. Also numerous social security numbers. XXXX paid of accounts still on reports. Equifax, XXXX XXXX
Product: Credit reporting

XXXX, XXXX XXXX SEC # XXXX XXXX XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX FL, FL XXXX Todays Date : XXXX/XXXX/XXXX To Whom it May Concern : XXXX XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX. Box XXXX XXXX, GA XXXX TransUnion , LLC XXXX XXXX XXXX, PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

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 Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX XXXX SEC # XXXX XXXX XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX FL, FL XXXX
Product: Debt collection

This company owed {$1100.00} XX/XX/2020 from me my account shows this is energy bill for 120 days dew bill this is not my bill its frad case I need help who did this.company names bellows Transworld system XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/18, I purchased XXXX of Ethereum from Coinbase for {$15000.00}, including their fee. I used a new account with XXXX XXXX that they had already verified using small test transactions. Several days later, when profit of over {$5000.00} was assured, they reversed the transaction, instead of delivering the above shares to my account. Their excuse was that XXXX XXXX, who they had already verified, reversed the charge. Instead of charging a different account for the shares, they simply kept these profits for themselves. In their email about the reversal, they even acknowledge their ability to deliver shares not paid for yet, giving them the obvious option to have delivered the shares to me if the trade were not profitable ( and holding me accountable for order amount rather than their taking the loss ). This reeks of double dealing and I insist they put the original transaction through with the other linked account I have on record with them ( XXXX XXXX XXXX ).
Product: Debt collection

I've had this phone since XX/XX/XXXX. When I asked about unlocking my phone, I was told that it needed to be paid off before unlocking. The person I spoke with said that I owed {$240.00} then said a different amount when I asked her again. So, I bought a new XXXX that claimed to be compatible with XXXX  ; it wasn't. I asked the person why since the package stated it was and she didn't know. 
I've dealt with customer service several times regarding other e-mails on my account ; they said they don't have control about that. I questioned the person about requesting they be removed and he/she said they'd take care of it every time I called but it wasn't, resulting in XXXX XXXX  ( XXXX ), XXXX XXXX XXXX Then I asked about the protection which I paid for and was told they ( XXXX  ) couldn't control or fix the problems. I have not used this account since XX/XX/XXXX. They have charged me since then and I am not even connected to them. 
Thank you, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611. Please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation
Product: Debt collection

Company attempting to collect on a debt not owed to them in the amount of {$3000.00}
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The following accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX account number XXXXXXXX XXXX  account number XXXX has violated my rights. 


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: Credit reporting or other personal consumer reports

I was a victim of identity theft recently. Today, while reviewing my credit reports, I noticed that XXXX, XXXX, and Transunion are showing unauthorized inquiries from the following company which are a result of identity theft : XXXX. XXXX XXXX  - XXXX XXXX XXXX. XXXX XXXX  - XX/XX/year> As per the Fair Credit Reporting Act, any inaccurate items need to be removed from my credit report.
Product: Debt collection

Couple weeks ago, I submitted a complaint regarding the same company Columbia Debt Collector ( Genesis ). Nothing was solved so I went ahead and paid the amount they tried to charge me. And now they added another payment and asked me to pay. Right after I paid the other payment. This is A MATTER THAT NEED TO BE LOOK AT. They been doing this to many individuals and someone need to look into it please!!
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2. 

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

15 U.S.C.1681 section 604 A SECTION 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu 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 ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
Product: Mortgage

We XXXX sisters, work very hard and took a loan from Wells Fargo to buy XXXX rental properties in 2004. The rate of interest Wells Fargo charging is 6.875 %. We have asked so many times to refinance at a reduced rate of interest, but Wells Fargo refused each time. 
Please see attached statements and help us refinance at a lower rate. 
Thanking you in anticipation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint on XXXX-XXXX-2017 with XXXX Credit Reporting and also with XXXX for a collection that was recently placed on my credit reports by a collection agency named Midwest Recovery Systems. Allegedly, the collection agency, Midwest Recovery Systems, claims that I have a unpaid Payday loan with a company called XXXX XXXX in the amount of {$1200.00}.
In the Commonwealth of Virginia, it is against the law to obtain internet Payday loans and it is also against the law to provide payday loans to Virginia residents if your are not a licensed business in the Commonwealth of Virginia. With those laws in effect, how would it be possible for me to take out said loan.
Also the Payday loan laws in Virginia state that the maximum amount you can borrow at one time on a loan in Virginia is {$500.00} so how would it be possible for me to take out a loan in the amount of {$1200.00}.
I was not notified by mail or by phone by Midwest Recovery Systems of this alleged Debt Collection prior to it being reported to the credit bureaus. I 'm not even sure if Midwest Recovery Systems is a licensed to do business in the State of Virginia.
Product: Mortgage

Received XXXX Enhancement  letter from InterContinental Capital Group , Inc. I understand this is a long-running scam using different names for the lender in an attempt to obtain additional personal information. They ask that the recipient call by a certain date to take discuss your new loan. 

They claim they are at : XXXX XXXX XXXX XXXX, XXXX, CA : phone XXXX. 

They give their NMLS # XXXX.
Product: Credit reporting or other personal consumer reports

I have disputed both accounts numerous times through XXXX and XXXX XXXX, however each time it is disputed it tells me that it is updated when no information has changed on my credit report. I have provided to proof of payment letter on each occasion, as well as confirmation that they would be removed off my credit report due to the account being paid in full however it has still shown up on my credit report even though it's been almost 2 years. I paid these accounts in full, XXXX of XXXX, I received proof of payment then as well. I provided proof of payment to XXXX and have disputed this account countless number of times. The information is not accurate and nothing is being done to change it on the credit bureaus end what soever.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted an investigation request to Equifax on XX/XX/XXXX. They were supposed to respond with the results within 30 days, but have not.