23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account : XXXX  XXXX # XXXX Account : XXXX  XXXX # XXXX Account : XXXX XXXX # XXXX Account : XXXX XXXX # XXXX Account : XXXX XXXX XXXX-XXXX # XXXX 15 USC 1681 section 602 A States I have the right to privacy.

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

15 USC 1681c. ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 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, credit repair services, or other personal consumer reports

It is now my third time disputing the erroneous information that you continue to report on my credit file. This is the final letter before litigation. T For the final time I am unaware of the accounts listed on my credit file. I am a victim of identity theft and I have provided documents previously to you. I was also affected by the credit breach with XXXX and Equifax. I am disputing the accounts as an affidavit and an internal dispute. The error accounts are XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. I am giving you 5 days to investigate this internal dispute and I am keeping record of all letters information and etc leading to our day in court. My next step is definitely to seek litigation. Please remove all other address, Names, and Accounts and inquiries your company reports continues to report erroneously. The correct information is listed below. I will follow up with a call within 2 days to get this issue resolved permanently. Remove XXXX XXXX XXXX XXXX FL XXXX. This isnt my address which I have stated time and time again, I am unaware of that address and the accounts affiliated with it. It seems erroneous and fraudulent. I wont mention it again. Its been well over 4 months and 3 disputes later and the erroneous information remains on my report and it isnt mine. By law it must be removed immediately today. 

Thank You XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Product: Credit reporting or other personal consumer reports

For the past few months, I have requested that an XXXX XXXXXXXX XXXX that does not belong to me be removed. Each time I sent the credit bureaus a request, the account still needed to be removed. XXXX eventually removed the account. For some reason or another, the account remains on XXXX and Experian. The XXXX account is not mine, and I was initially an authorized user. The original owner removed me from the account, but the credit bureaus refused to remove it from my credit report.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number:XXXX  Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX XXXX Account XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXccount Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently discovered that Experian is charging me for a credit monitoring service without my authorization. I signed up for free monitoring but discovered I am being charged monthly a little over XXXX dollars. 

I have called XXXX. 
I have called XXXX as well as XXXX. In which I am told by an automated system that I can not be transfered to a Experian XXXX. And I am not even given the option to do so. 

I have tried to above method of contact for more than three days and I would like to handle this matter as soon as possible. I can not even find out how long I've been paying for this unauthorized service.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and I am asking that they be deleted from my credit report. Based on 15 U.S. Code 1681 c-2, 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 in identity theft, no later than 4 business days after the date of receipt. 

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft. Please delete these items as soon as possible. 

These accounts should not be furnished on my consumer report as they are in violation. Under 15 U.S. Code 1681b- Permissible purposes of consumer reports ( A ). In General subject to subjection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency any WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the listed accounts IMMEDIATELY. I reported the theft of my identity to the Federal Trade Commission, and I have also enclosed a copy of the FTCs Identity Theft Affidavit. Please delete these items as soon as possible. 


Fraudulent Accounts : XXXX XXXX  XXXX XXXX Reported : XX/XX/XXXX -XXXX  XXXX XXXX  : XXXX  Date Reported : XX/XX/XXXX. XXXX
Product: Mortgage

I have been paying my mortgage automatically, on XXXX XX/XX/2022 i received a letter saying a shortage of Escrow, i went ahead i paid the Shortage on XX/XX/XXXX mortgage payment was showing a different amount of {$2100.00} so i called and tried different methods and no answer, after many tries someone called me almost end of XXXX to tell me that they can not do nothing thats the amount, i have try to get an explanation but with no luck. I dont get why my payment change if everything is same and now they are not applying ny payments so Making my loan get extra fees. This is not fair for a XXXXXXXX XXXX  Veteran. My account is Good and my Payments have been sent and they are not applying anything and want me to pay the {$2100.00} instead of my Mortgage payment of {$1700.00}. So i need help for this bank to do the right thing i can not understand how they can change a payment so fast because a Shortage but when the customer pays the Shortage is hard for them to put the payment back how it was real concerning.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX  : XXXX XXXX. 
However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 
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: Checking or savings account

I received a check for the sale of my interest in a property I legally had claim to. The check was from citizens bank. I opened a citizens bank checking account with a branch manager who assured me I'd have access to the funds same day due to the check being drawn from citizens. Initially this was true. About 12 hous later my funds were on hold to be verified. I called as high up as I could in citizens and got a supervisor who seemed to have fixed the issue that same day. Over the next week every other transaction I made froze my card, made no difference online or via card, each time I had to waste 25+ mins calling in and having to verify my last 5 transactions, one day there was 7 phone calls placed to unfreeze. Then during a very crucial moment ny card declined. I called in and was told my card didn't exist. I went into a branch and was told they couldn't tell me why or whats going on but my account is suspended and under review and gave me the cust. Service phone number. Humoring it I've called every day for a week now with the highest ranking individual being the head of citizens office of the customer, who has promised me a call back by end of day 3 days ago and has not done so. The other part of this complaint is in regards to the policy of sending a letter informing thr customer of this closure. I do not have a physical address at this time as I was supposed to make a down-payment on a home that I was unable to do because of the hold. The letter will not reach me. No one seems to care about this and I've suggested multiple alternative methods and I'm still not getting calls back, being " accidentally '' hung up on, and wasting easily 3 hours a day attempting to reach a solution or even any information, the mobile app dosent recognize my acct anymore and my debit card was cancelled, I have zero access to my own funds ... that were from a citizens bank check, deposited in a citizens bank acct. Due to an investigation ... of thier own money.
Product: Debt collection

The Company called me saying they are Attorneys and would not send me a validation notice in the mail so i can see if it 's my debt they were very rude! They even open up a new account on my credit report! ..How is this legal? They did n't verify that it was my debt and they would n't send me anything in the mail from the company that the debt was from! I 'm a XXXX Veteran and I think it 's a shame these Debt Collectors can get away with this!
Product: Mortgage

On XX/XX/XXXX, I paid off the XXXX 's amount. 
On XX/XX/XXXX, I initiated another transaction, specifically targeting principal. However, {$1800.00} of the transaction had been allocated to pay XXXX 's interest. 
On XX/XX/XXXX, the XXXX 's statement was out. 

On XX/XX/XXXX, I paid off the XXXX 's amount. 
On XX/XX/XXXX, I initiated two transactions, specifically targeting principal. However, in the first transaction, {$1700.00} had been allocated to pay XXXX 's interest. In the second transaciton, {$1600.00} had been allocated to pay XXXX 's interest. 
On XX/XX/XXXX, the XXXX 's statement was out. 

On XX/XX/XXXX, I initiated a transaction specifically targeting principal. However, {$1600.00} had been allocated to pay XXXX 's interest. 

Due to this unintended pre-payment, the reduction of my principal balance has slowed down and I have paid ~ {$150.00} extra interest than I should have. 

I contacted the bank on XX/XX/XXXX, XX/XX/XXXX. They contacted on XX/XX/XXXX. 

During evey of such commnications, in the beginning, the representative always tried to fool around and tried to get away without fixing my problem. I had to insist firmly to push them to correct my transactions. 

After the communications, they corrected the transactions on XX/XX/XXXX and XX/XX/XXXX. However, they had difficulty to correct the transaction on XX/XX/XXXX. 

In total I have spent 7 hrs on this issue. Without noticing the issue myself, I may end up paying thousands of extra interest this year. 

I request the bank to send a public notice so all mortgage constomer can check their payments, but they refused.
Product: Credit reporting or other personal consumer reports

I filed a dispute on XX/XX/25 and on XX/XX/25 I was notified that this account was verified. The CFPB just sued Experian for violating the FCRA with these practices. Im not able to get new financing because of these unethical practices.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the permanent blocking of a fraudulent account on my credit report under Section 605B of the Fair Credit Reporting Act ( FCRA ). 

The account in question, listed as XXXX XXXX was opened as a result of identity theft and is not my responsibility.

Section 605B of the FCRA mandates that credit reporting agencies must block information resulting from identity theft upon receiving appropriate documentation. Accordingly, I am providing the following information and documentation : 1. A copy of my government-issued ID to verify my identity.

2. A copy of the police report filed regarding this identity theft, which confirms that I am a victim and did not open this account.

3. A statement identifying the fraudulent account and requesting its immediate and permanent block from my credit report.

Please ensure that this fraudulent account is removed from my credit report and that it no longer impacts my credit score or report. This action must be completed within XXXX business days as required by the FCRA. 

I would appreciate a written confirmation of the removal of this account and any actions taken in response to my request.
Product: Debt collection

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on REC MGM SYS. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I placed a dispute in to the major credit reporting agency on XX/XX/2017, yet I have yet to hear of any resolution to my issue. I am a victim of identity theft and provided proof of the crime and me being a victim.
Product: Money transfer, virtual currency, or money service

I am filing a formal complaint against cash app ( block, inc. ) for inadequate customer service and unfair practices that violate the 12 U.S.C. 5531 ( a ). Specifically, cash App failed to implement timely and effective measures to prevent and address fraud on there platform, leaving my account vulnerable and unprotected, which constitutes an unfair and deceptive act or practice under CFPA. Furthermore, cash Apps dispute resolution process was both unfair and deceptive. They failed to comply with the error resolution requirements mandated by the Electronic Fund Transfer Act ( EFTA ), 15 U.S.C. 1693f, and its implementing regulation, Regulation E, 12 C.F.R. 1005.11. These laws require financial institutions to investigate and resolve disputes promptly and in good faith, yet Cash App failed to meet these obligations. These violations have caused significant inconvenience and financial loss. I am seeking appropriate redress for these violations of federal law.
Product: Checking or savings account

I tried to transfer funds from my account to an external account that I had linked up via trial deposits. After entering a funds transfer on XX/XX/year> for roughly {$830.00} Huntington froze access to my account and is now requiring me to go into a branch to confirm that I own the outside account.

I asked to cancel the transfer as I can not make it into a branch. The representative stated there is no way to cancel the request and no way to give access to the account until I go into a branch with a statement from the receiving financial institution.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate deletion of the account referenced below from my credit report due to violations of the Fair Credit Reporting Act ( FCRA ) : - **Account Name : [ XXXX  XXXX ] ** Account Number : [ XXXX ] The basis for this request is that the information you have furnished to the credit reporting agencies is inaccurate and/or unverifiable, and as such, it should not be included in my credit report in accordance with the FCRA. Specifically, the following violations have occurred : XXXX. **Failure to Provide Accurate Information ( 15 U.S.C . 1681s-2 ( a ) ) ** : The information you reported is inaccurate and has not been corrected despite my previous disputes. 
XXXX. **Failure to Reinvestigate Disputed Information ( 15 U.S.C . 1681s-2 ( b ) ) ** : You did not properly reinvestigate the disputed information as required by the FCRA. 
Given these violations, I am requesting that [ XXXX  XXXX ] immediately cease reporting the inaccurate information and delete the account from my credit report. Please send me a written confirmation of the deletion within XXXX  days of receiving this letter. 
I am writing to formally notify you of several serious issues regarding my account, specifically your failure to provide the required Form 1099-C, as well as violations of both tax regulations and the Fair Credit Reporting Act ( FCRA ). 
This is my XXXX  attempt which you have ignored my first request sent on XX/XX/24. I sent a request stating that there are inaccuracies and I wanted those addressed. 
**Failure to Provide Form 1099-C** Under 26 U.S. Code 6050P, you are required to file a Form 1099-C with the Internal Revenue Service ( IRS ) and provide a copy to me when you cancel a debt of {$600.00} or more. Despite the cancellation of my debt, I have not received this form from your company. This failure to comply with IRS regulations constitutes a serious violation and can be considered tax fraud. 
**Violation of Tax Regulations** Your failure to issue a Form 1099-C as mandated by 26 U.S. Code 6050P is a violation of federal tax law. This omission prevents me from properly reporting my income to the IRS, which may expose me to potential penalties and interest for underreporting income. Additionally, it constitutes tax fraud under 26 U.S. Code 7206, which addresses fraud and false statements. 
**Violation of the Fair Credit Reporting Act ( FCRA ) ** Furthermore, your actions are in violation of the Fair Credit Reporting Act, codified at 15 U.S. Code 1681s- 2. This section requires furnishers of information to provide accurate information to credit reporting agencies and to correct any inaccuracies. Your failure to provide accurate information, including the status of my debt, has caused inaccuracies on my credit report, which negatively affects my creditworthiness.
Product: Checking or savings account

What Happened In XX/XX/year>, I noticed a Robinhood promotion offering a $ [ XXXX ] credit when enrolling in Robinhood Gold and depositing a specific amount ( e.g., {$2000.00} ) by the promotions deadline. I followed the instructions precisely : -Enrolled in Robinhood Gold before the stated deadline.

-Deposited the required funds ( totaling {$2000.00} ) into my Robinhood account.

-Maintained my Gold membership in good standing. 
After meeting these requirements, I did not receive the promised promotional credit. Beginning around [ XXXX ], I contacted Robinhood Support multiple times, providing email confirmations and transaction history to demonstrate my eligibility. 

Companys Response and My Actions First Response : Robinhood Support stated that I was never enrolled in Gold at the time, which contradicted my email confirmations and transaction records. 
Second Response : Support claimed the promotion had expired and would not make exceptions. However, I enrolled and deposited funds before the deadline.

Further Attempts : I continued to contact Robinhood via email, chat, and support tickets to seek clarification. 
Recent Responses : They insist I did not meet eligibility requirements, but refuse to specify which exact requirements were unmet. 
Multiple support agents have elevated my case, but the official stance remains that my account did not qualify, without providing concrete proof. 
Throughout these communications, I have repeatedly asked Robinhood for a breakdown of the specific requirement ( s ) they believe I failed to meet. Instead, I have received generic denial messages. This is the third or fourth time I have attempted to clarify my eligibility and secure my rightful credit.

Why I am Filing a Complaint Lack of Transparency : Robinhood has not provided evidence or clear explanations for denying the promotional credit, despite my documented compliance with the terms. 
Potential Misrepresentation : I believe advertising a promotion, then withholding the reward without transparent justification, is deceptive and undermines trustespecially for a financial platform. 
Repeated Denials Without Basis : Having contacted them multiple times since, I have not received a fair resolution or a credible explanation. 

I am requesting the CFPBs assistance to obtain a clear, factual determination of whether I met the promotional terms. If so, Robinhood should credit my account as promised or formally provide a justified reason, backed by specific terms and conditions, for denying my claim. 

Expected Reward : $ [ XXXX ]. 

Conclusion I have substantial evidence ( emails, membership confirmations, transaction history ) proving I completed all promotional steps. Robinhoods unclear and contradictory responses have left me no choice but to seek resolution through the CFPB. Thank you for reviewing this complaint.