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

Attn : I had invested thousands of dollars in the stocks with Robinhood and I also had a debit card attached to this account. I had fraudulent purchases on my account and once I found out I notified Robinhood immediately in XX/XX/XXXX. 
They have refunded some of the fraudulent charges and some have not been refunded. 
I have been in communication with them constantly and I have been unable to resolve this matter. I have reached out to XXXX to assist with this matter and Robinhood has been uncooperative with them. 
I was referred to your department by XXXX for you to assist with this matter. 

Robinhood XXXX ID : XXXX I had money in the stocks with Robinhood, some items were reimbursed, and then all of a sudden my account went into the negative.

Where did my money go? How can I go from a positive to a negative and Robinhood will not give me an explanation of how this happens?

Where is my invested money in the stocks?

I have repeatedly requested for Robinhood to send me a printout of all these transactions in the past and I have not received any response. 

This is an example of some of the disputed items : The XXXX were XXXX separate transactions XX/XX/XXXX was {$530.00} and on XX/XX/XXXX : {$530.00} So, in essence, all that was returned was the full amount of {$530.00} What happened to the refund for {$530.00}? 

These transactions were credited to my account and then Robinhood reversed them : XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/30 I found out via email ( in Spanish ) that an electronic transfer was submitted through PayPal. I immediately went to PayPal.com and the first problem was after entering my email address ( username ) everything was in XXXX with no way to convert to XXXX. I found out *after* you log in, you can change the language preference - which, of course, was of no help to me in the moment. I deciphered the foreign language through an external translator, and got what I needed to log-in. I saw a pending {$1000.00} bank transfer from my linked bank account in PayPal with an estimated delivery date of XX/XX/XXXX. The transaction was initiated a couple hours prior. I immediately changed my password and turned on two-factor authentication. I tried to call PayPal, and after several minutes of XXXX prompts I was told " I'm sorry we can not help you over the phone '' and it disconnected. I read through their XXXX how to report unauthorized activity. I went through the directions in the XXXX XXXX. As this is the only transaction in the history, I selected the {$1000.00} ACH transfer and clicked XXXX. I was taken to a page that stated : " We're unable to file a case on this transaction. Since this is money youve received, you'll need to contact the sender directly to resolve your issue. '' I tried this a couple times to make sure I had everything right ( which I did ) and ultimately have been unable to mark this transaction as unauthorized. Tried to call PayPal again - was also brought to the abrupt disconnect announcement. One last thing, I also tried to change my security questions on PayPal ( on a desktop computer ) and -you guessed it- problems there too. After changing the XXXX questions, it says " Sorry, something went wrong. Please try again. '' So I did. And again. Same problem. So how am I supposed to ensure the same dirtbag doesn't hack into my account again if I can't update the security questions? This is unacceptable for a company of this size and volume. The fraud protection, prevention, and resolution area is completely unprepared or unable to address unauthorized, criminal, and fraudulent activity. I think an investigation needs to occur at the company and in particular the tools and resources they've so poorly designed for the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a debt in delinquency, which is on my credit report. That debt was sold to a collection agency, which is also on my credit report, so the delinquency is on my credit TWICE. I filed an online dispute with each credit bureau but the company - XXXX - responded that it is valid. My understanding is that the same item can not be listed on a credit report more than once. Thanks!
Product: Credit reporting, credit repair services, or other personal consumer reports

MIDLAND CREDIT MANAGEMEN Account number XXXX This account is not mine. its been removed a few rimes and keeps coming back to my credit report. I need it removed please it is not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed several complaints regarding various issues related to the same accounts with subacconts. The CFPB complaint numbers are : XXXX, XXXX, XXXX, XXXX. The last XXXX entries were closed out with Equifax stating an " investigation was conducted and results were delivered. '' However, for at least XXXX subaccount, a copy of my credit report current as of XXXX XX/XX/2021, indicated no new information was updated since XXXX XX/XX/2021, a date BEFORE at least XXXX of the aforementioned complaints was filed. 

What is clear is that Equifax may be responding to the CFPB as " in-progress, '' but then making no attempt to reconcile the errors on a credit report that even contracdict other information for the sae account/tradeline. For example, Equifax claims a date of first deliquency for XXXX of XX/XX/2021, but the payment history clearly indicates " no data available, '' and the data furnisher has made clear, in a letter dated XXXX XX/XX/2021, the account was in deferment at that time. The corresponding date the deliquency was first reported has been re-aged to a date in XXXX of 2021, over XXXX ( XXXX ) year AFTER the alleged date of first deliquency. More egregious is a payment history status for XXXX showing XXXX XXXX but an amount is listed showing there was no amount actually charged-off. 

It is very clear that the data furnisher can not keep accurate, verifiable records. As such I have asked that Equifax remove the accounts/tradelines with the erroneous data. What Equifax has done instead is to manipulate the dataset they receive to try and make the to reconcile the unverifiable information -- that exercise has failed. 

The accounts/tradelines correspondig to the data furnisher for XXXX and XXXX, being wholly inconsistent and contradictory for the same temporal periods, needs to be removed.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : I am filing this CFPB complaint to request that TransUnion , pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ), block information on my credit report that is the result of identity theft and fraud within XXXX business days of receiving this complaint. 

The fraudulent, inaccurate, and false information includes : 1. XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX Balance {$180.00} -- - These accounts have led to several unauthorized hard inquiries and fraudulent collections on my XXXX credit report. All these accounts, collections, and inquiries are the result of identity theft and fraud. 

Enclosed is a copy of the FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the U.S. Federal Trade Commission that all the mentioned credit accounts, collections, and inquiries are due to identity theft and fraud.
Product: Debt collection

Today XX/XX/2020 The debt collector called my work asked to speak to my boss/supervisor. He explained to my boss that he is collecting a debt and needed to talk to me. She told him I was with a customer he told her he was needing to serve me a doc # XXXX. My Boss said I will give her the message. She did call me in to her office told me I was called by a debt collector and to fix my personal affairs. Now not even an hour later he calls again and speaks to another co worker and tells her the same thing. Now another employee knows about my personal business. Anytime I get a call from someone about a personal situation I make sure they know to not call me at work. The number that was called from and Unavailable but the company name is Central Sources. The Doc # XXXX I assume is an extension and his name is XXXX XXXX. I am at high risk of losing my job due to the private information that was shared and told to my Boss
Product: Credit card or prepaid card

I received a letter from Pen Fed stating the following reasons for denial : -Serious delinquency and collections -proportion of loan balances to loan amounts -length of time revolving accounts established -number of accounts with delinquency However, when I called inXXXX I was told the REAL reason is because I had a small amount charged off years ago. I was also told by the lady who assisted me on XX/XX/22 at about XXXXXXXX XXXX pst that I would NEVER be able to get a credit card with Pen Fed, even if I repaid what I owed. I was further told the system will always automatically decline my application despite my credit score. Pen Fed is in violation of CFRA and federal bankruptcy laws. 

I want my application to be reconsidered. My credit score is good ( XXXX ) and I have no collection accounts. I manage my credit responsibly and my balances are below 2 % utilization for my current credit cards. My XXXX is 4 years. XXXX delinquency.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I faxed and mailed challenge letters to Experian in reference to accounts that are reporting falsely which are XXXX XXXX XXXX/ XXXX, DEPARTMENT OF DEFENSE , AND XXXX XXXX XXXX XXXX with all the account numbers to match. I asked Experian to investigate these accounts because they are reporting falsely. I listed the reason for the violation and what I wanted done which is for the items to be deleted. I asked after deleting these accounts to send me a COMPLETE and fully updated credit report. I included a tracking # and a paper trail # so that I can have these for my files. I also included supporting documentation that shows the inaccuracies and circled them in red as proof. I also including my identification to prove that I am who I say I am. The investigation was opened on XX/XX/2019 and the investigation was closed on XX/XX/2019. The date of status never changed for the XXXX XXXX or XXXX XXXX XXXX which is a violation for one and two shows that NO INDEPENDENT investigation was ever conducted which is a violation under the FCRA. For the DEPARTMENT OF DEFENSE account it states the item was updated from processing of dispute in XX/XX/2019 but I just challenged this account on XX/XX/2019 which also tells me no investigation was ever performed. I very upset and very dissatisfied with this company and how they are handling my credit and personal information and my rights under the FCRA. I want these items deleted from my credit report immediately because I have done exactly what was asked which was a letter 100 words are less stating the issues supporting documentation to go along with and what I wanted to be done and this has not happened
Product: Student loan

I requested an IDR plan via studentloans.gov on XX/XX/XXXX, about a month before my first payment would be due to XXXX XXXX. They sent me a bill for {$310.00} and only billed me for my loans from undergraduate. I have new loans now because I just finished grad school in the summer of XX/XX/XXXX. I called them on XX/XX/XXXX to check in about why my IDR application hadn't been processed because I knew the payment they provided was too high. The person on the phone told me that the application hadn't been processed and I had to request forbearance to avoid making a payment so I requested a forbearance and now, 12 days later, it was never processed and there's no record that I requested as forbearance. I submitted a complaint through their ombuds and they told me that I never requested a one month forbearance on my original IDR application and they sent me a copy of a paper application ( I completed the application online ). I'm on the phone with them now and they're telling me that I need to pay a minimum of {$5.00} to switch my loans to an IDR plan and that my IDR application is done, yet my account still says I'm 12 days past due and that I owe them {$1300.00}. At no point have they contacted me to tell me my IDR application was approved, to tell me what my payments would be, to tell me what loans do or do not qualify. There is a " request summary '' on my account homepage that has a status bar that says they received my IDR request, but nothing further has been done. I'm on the phone now with XXXX # XXXX and he's telling my application has been processed, I just need to pay a {$5.00} min to get my loans switched over to a new plan. I'm so confused and angry because every time I call their customer service folks give me different answers. They don't know what they're talking about and then they don't follow through. There was a note on my account that said they weren't going to do the forbearance because my loans were in queue or something of that nature. He's now saying that the person tried to place the forbearance on all my loans instead of the ones I was originally billed for, which is why the forbearance never went through. I paid the {$5.00} minimum and the customer service person, XXXX, notated this on my account. I'm not sure why I had to pay {$5.00} for my request to be processed however.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$4400.00} Chagreoff XXXX XXXX XXXX Opened : XX/XX/XXXX Balance Owed : {$450.00} Late/Open
Product: Credit reporting, credit repair services, or other personal consumer reports

I currently have a Capital One credit card reporting to my credit that doesn't belong to me. It's an authorized user account. I did not request to be added to this account. It has a 30 days late from several years ago which is causing a blemish on my credit. Outside of this 1 negative reporting, my credit is perfect.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I checked my XXXX XXXX and saw two hard inquiries from CIC Credit on the dates for XX/XX/2023 and XX/XX/2023 which I did not approve or give my consent including any of my personal information for this to happen.
Product: Credit card

Hello good after, I am messaging to file a complaint about the application criteria of TD Bank for the TD Double Up Cash card. My credit report is impeccable, with no missed payments, fully paid off student loans, a steady FICO score of XXXX, XXXX debt, and XXXX titled properties. 

I was denied with NO explanation at the branch in person, or over the phone. I have been a customer for XXXX years. I have XXXX figures of money with TD Bank across savings, a CD and a debit account with direct deposit. TD Bank has my direct deposit from my job, they know I receive regular checks and have since the inception of the account. This decline is asinine and unjustified. My financial history on my credit report as well as the personal history with TD Bank is more than adequate to be accepted for this card. 

Additionally I request the lowest XXXX when my application is approved. I personably know people with far worse financial history that easily get approved, that ought not to. 

Swift manual review and acceptance of my application is requested, Thank you
Product: Credit reporting or other personal consumer reports

Subject : Formal Request for Immediate Deletion of Reinserted Account XXXX XXXX # XXXX Dear Sir/Madam, I am writing to formally request the immediate deletion of an account that has been improperly reinserted into my credit report. The account in question is XXXX XXXX # XXXX, which was previously deleted from my report following a successful dispute. Its reinsertion violates my rights under the Fair Credit Reporting Act ( FCRA ) because the required legal procedures were not followed.

Under FCRA Section 611 ( b ) ( 5 ) ( B ), if a previously deleted account is reinserted into a credit report, the credit reporting agency is required to : 1. Notify me in writing within five business days of the reinsertion.

2. Provide verifiable documentation from the information provider that supports the reinsertion of the account.

As of now, I have not received any written notice or supporting documentation regarding this reinsertion, which constitutes a direct violation of my rights under the FCRA.

Additionally, under FCRA Section 623, information furnishers are required to : Ensure that all information they report is accurate and complete.

Correct and update any inaccurate or incomplete information they provide to credit reporting agencies.

Furthermore, FCRA Section 604 mandates that any information included in my report must meet specific criteria for validity and relevance. In this case, the account does not comply with these requirements, as it was not validated prior to its reinsertion.

I am formally requesting the following : 1. The immediate and permanent removal of the XXXX XXXX # XXXX account from my credit report.

2. A written explanation of how and why this account was reinserted, including verifiable evidence provided by the creditor, if applicable.

3. Assurance that steps will be taken to prevent any further improper reinsertions.

I expect a prompt response and resolution to this matter within XXXX calendar days, as required by law. Please confirm receipt of this letter in writing.
Product: Student loan

I believe I have sufficient evidence that National Collegiate Trust is violating my consumers protection rights and has permanently damaged my and my co signers, my grandpas, credit. I took out two loans thru XXXX XXXX in the amount of {$15000.00}, in XXXX, and another in XXXX for {$6500.00}. XXXX sold my loans right after purchase to National Collegiate Trust and the loans were serviced by American Education Services ( AES ). AES consolidated my payments for the two loans. XX/XX/XXXX a collections company, XXXX XXXX called representing National Collegiate Trust asking for a settlement and threatening to take me to court if I dont. At that time I had already paid {$15000.00} to the {$15000.00} loan and {$4800.00} to {$6500.00} loan. I didnt have what she was asking for so I asked to make a payment and she said it was not an option that I had to talk to my co signers and figure out something. After over an hour long nonstop harassing call, She finally said she would give me a month. She took the {$500.00} I offered as payment to go towards the settlement. I was able to take out {$4000.00} loan against my car. A month later when she called I paid the {$4000.00}, which she said still wasnt enough so I had to set up XXXX withdrawals. The last withdrawal payment was XX/XX/XXXX. I had money in the bank XXXX and XX/XX/XXXX if the agreement was for more. Overall my settlement was for {$5500.00}, which means between the two loans I borrowed {$21000.00}, with XXXX yrs to pay, and paid {$25000.00}, in 9 years. After the settlement I saw on my credit report XXXX XXXXscharged the debt and it has a {$0.00} balance. I have not heard from NCT or AES until last year when they filed two lawsuits against me asking for {$23000.00} for the {$15000.00} loan and {$8100.00} for the {$6500.00} loan. They claimed they arent affiliated with XXXX XXXX but they took the payment and recorded it as recovered principle and interest between the two loans. I then found, before I received the summons, my co signer received in the mail from XXXX a letter asking for a settlement from him this time, proving their affiliation again. Ive had 5 settlement conferences with them where the magistrate instructed them for better balancing and proof of debt. I was never supplied with anything new. I went to court XX/XX/XXXX where they brought a expert witness that works for them at trans world to explain how to read the loan. Before I got my turn to present my case the judge thought we should go to the breakout room and try to settle again. In the breakout room I asked about the balancing discrepancies and their expert witness had no explanation other than he didnt make those reports it was AES XXXX They offered me a {$12000.00} settlement. I said I would consider it, because I have XXXX XXXX XXXX XXXX XXXXs and can not afford a lawyer. I went on to consult with a financial advisor that advised I make this complaint. Now I have my second court date with the judge Wednesday XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting agencies did not correct my credit files whereas they are still reporting unauthorized accounts inwhich was derived from my identity being compromised and misused in away, I'm misrepresented. In light of my previous attempts I've also demanded physical documentation as well as the Method of Verification used in regards to these accounts. Before any escalation of these claims charging the major credit reporting agencies, I'm demanding that these accounts be removed and blocked as of this writing. Please remove the following : 1 ) XXXX XXXX   {$700.00} 2 ) XXXX XXXX {$300.00} 3 ) XXXX XXXX XXXX {$300.00} 4 ) XXXX XXXX 5 ) XXXX  XXXX XXXX 6 ) XXXX  XXXX 7 ) XXXX XXXX {$600.00}
Product: Credit card or prepaid card

Deceptive business partnership practice with an XXXX XXXX program featuring 12 no interest payments for XXXX equipment. I have been billed for the purchase and the equipment is not even in production at factory. I have requested a refund for the purchase because the financing terms were deceptive.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit Reporting act XXXX  Accounts # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It is also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on my credit card account under a open end consumer credit plan as a late for any purpose.
Product: Credit card or prepaid card

I applied for the XXXX XXXX card. The promotion clearly states before applying for the card ( instant XXXX dollar gift card upon approval ). I only received a XXXX dollar gift card. XXXX is denying that XXXX dollars. I called XXXX XXXX the issuer of the card and they stated it indeed is a XXXX dollar gift card but XXXX has to issue it. Ive spent over 6 hours on the phone with out a resolution.
Product: Credit reporting or other personal consumer reports

Hey Good afternoon, My name is XXXX XXXX and i'm filing this complaint because I reached out to Equifax multiple times to update my personal information and to fix my credit report. On multiple sites Im unable to see my credit score or report, and its starting to affect me mentally and emotionally cause me distress.
Product: Debt collection

Consumer has requested for complete validation of debt, this debt collector has failed to validate the debt of the consumer. Please see attached.