23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am distressed to inform you that you have included inaccurate information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure maximum possible accuracy in the credit reports you publish. Credit reporting laws require that bureaus report only 100 % accurate credit information. YOU ARE VIOLATING FCRA REGULATIONS AND UNITED STATES XXXX XXXX Please block and remove all erroneous information from my credit report and send me an updated copy. 

Under the Fair Credit Reporting Act ( FCRA ), this disputed item may not appear on my credit report if it can not be supported by any evidence. 

15 U.S. Code 1681n - Civil Liability for Willful Noncompliance, 15 U.S. Code 1681o - Civil Liability for Negligent Noncompliance, and 15 U.S. Code 1692k - Civil Liability : I am entitled to monetary compensation due to your multiple violations. Specifically, under FCRA 15 U.S.C. 1681i ( 6 ) ( Notice of Results of Reinvestigation ), a consumer reporting agency must provide written notice to a consumer of the results of a reinvestigation within XXXX business days of completion. Failure to do so constitutes a violation of my rights. 

Additionally, as per FCRA, a " consumer report '' excludes any report solely detailing transactions or interactions between the consumer and the reporting entity. Including late payments or derogatory statuses constitutes an infringement of 15 U.S.C. 1681a ( d ) ( 1 ). 

Accounts listed below in green XXXX highlighted and tag as in violation under 15 U.S. Code 1666 ( b ) billing error are inaccurate late payment history, must be updated to paid on time as never been late as agreed. 

( XXXX ) The creditors failure to properly reflect a payment made by the obligor or a credit issued to the obligor. 

( XXXX ) A computation error or similar error in the creditors accounting on a statement. 

This is a clear violation of the United States XXXX Law ( TILA, 15 U.S. Code 1666 ( b ) ). These accounts must be updated to reflect " paid on time. '' Any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) And Accounts listed below in yellow XXXX highlight text accounts in status of Charge off that is tag FDCPA Section XXXX Violation Misleading False Reporting together with incorrect personal information Must be deleted Immediately!. 

Collection Accounts listed below in XXXX XXXX highlighted that is tag as in violation Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately! 

Items listed below that is tag as Unauthorize inquiries that's Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( XXXX ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. Must be deleted in my credit report. 

Please update my credit report as per law abiding accuracy of data.
Product: Student loan

I have been a co-signer for my granddaughters student loans. All loans have been with Wells Fargo. This year we again applied for her final year loan of {$8000.00}. I am a preferred customer of Wells Fargo, I have substantial monies on deposit with Wells Fargo. I have no debt and own two homes. Wells Fargo 's student loans are not required to be paid until after the student graduates. This is a " perk '' advertised by Wells Fargo. 
In previous years I was provided discounts based upon my preferred customer status and high credit scores. This year we were initially quoted a loan in excess of 10 %. In previous years our loans have been in the 4-5 % range. When questioned Wells Fargo stated it was because of my credit score and my granddaughter 's credit score. This was quite a shock because neither myself or my granddaughter had any new financial transactions except this years student loan. Wells Fargo always uses XXXX  as the reporting company for their loans. This is done because XXXX is always 40-50 points lower than the other two reporting companies. I believe there is a relationship between Wells Fargo and XXXX to produce lower credit scores so that Wells Fargo can charge higher interest rates. Wells Fargo always orders a credit score from XXXX. XXXX lowers the credit score because of Wells Fargo 's inquiry and then Wells Fargo uses the lower score to justify a higher interest rate. Wells Fargo and XXXX  does this even though Wells Fargo 's student loans are not required to be paid until after the student graduates. The borrower is penalized because no money has been paid on the student loans even though no money was required to be paid. Neither myself or my granddaughter had any " negative '' changes during the past year to our credit other than the student loan with Wells Fargo. After complaining our student loan was reduced to 6.24 %. However, when we were provided the papers to sign the loan was shown at 7.24 %. After complaining about the increase the loan papers reflected the 6.24 as promised. Wells Fargo manipulates the credit score to get a higher interest rate. The student loan rates is not reflective of the possibility of default. In our case it does not reflect a co signer, no debt other than Wells Fargo student loans, which are not in default or required to be paid until graduation, the borrowers inability to get relief from the debt by bankruptcy, or the rate Wells Fargo is charged to borrow money from the Fed. The credit score is fictitious because no credit reporting company will disclose how they take a persons credit information and come up with the individual credit score that is assigned. A person with no debt and significant assets will receive a lower score than a person with significant debt and no assets.
Product: Credit reporting, credit repair services, or other personal consumer reports

Had issue working with XXXX after making a payment for XXXX and XXXX. Was instructed that payment wasn't posted for XXXX but for XXXX after making payment for XXXX in end of XXXX. Company failed to help or take that into consideration and have charged account to be late. Company still reported past due even though a payment was made for XXXX, XXXX, and XXXX, and XXXX. No letter was sent to me to share this information as well.
Product: Debt collection

Starting XX/XX/2018 I have been receiving phone calls From XXXX XXXX debt collection agency. Upon every phone call I verified my name and mailing address and requested a debt verification letter to be sent to me. In XX/XX/2018 I informed XXXX XXXX that I have never received any debt verification letter. Today is XX/XX/2018 and I have still not received any debt verification letter from Midland. Since Midland started calling me weekly since XX/XX/2018, I have asked for a debt verification letter and I have reviewed and verified my mailing address. Midland maintains that they have sent a debt verification letter ; Midland continues to call and request payment by phone or online for a debt of {$560.00}.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

in XXXX i took a look at my credit report, i found a couple items that are fraudulent. i contacted the credit bureaus and they instructed me to file a police report. I did everything that i was instructed to do, but they havent removed the fraudulent accounts.
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : Account Name : XXXX XXXX  Account Number : XXXX Balance : XXXX Date account was opened : XX/XX/XXXX Account Name : XXXX  XXXX Account Number : XXXX Balance : {$2800.00} Date account was opened : XX/XX/XXXX Account Name : XXXX  Account Number : XXXX Balance : XXXX Date account was opened : XX/XX/XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Balance : XXXX Date account was opened : XX/XX/XXXX Account Name : XXXX XXXX XXXX  Loan Account Number : XXXX XXXX Balance : {$99000.00} Date account was opened : XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Type : XXXX  XXXX Bankruptcy Discharged Date Filed : XX/XX/XXXX Account Name : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Balance : {$0.00} Date account was opened : XX/XX/XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I have never been late in paying any accounts, and I always pay on time and did not give written consent for the reporting of these late payments. The accounts with reported late payments on my credit report are inaccurate and do not reflect my actual payment history. Upgrade Inc 's reporting of these late payments violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c, as they failed to ensure accurate reporting. I request an immediate investigation.
Product: Mortgage

This complaint is against Shellpoint Mortgage and CFPB for ineffective response to previous complaints. Per attached, a Shellpoint representative has essentially acknowledged that the error is by Shellpoint 's escrow accounting despite months of claims the faults is the buyers. These complaints will continue until the issues is resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report was checked today, XX/XX/22, and it is showing an inaccurate history of XXXX late payments on my report. There should not be any late payments shown on my account. Please assist in resolving this issue
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( I ) promptly notify the furnisher of that information that the information has been modified or delete from the file of the consumer. 

Please remove the following items from my credit report immediately : XXXX Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, The personal information is incorrect please remove this from my credit report immediately. 

XXXX Receivable MGMT GroupXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The personal information is incorrect please remove this from my credit report immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, The personal information is incorrect please remove this from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/, my identity was stolen to open a credit card with XXXX XXXX. A credit inquiry was made on my credit report which is how I found out. I contacted XXXX regarding the fraudulent credit inquiry and the fraudulent opening of a credit card in my name and requested it be closed. XXXX XXXX indicated they have closed the account. 
I wish my credit report be cleaned of this fraudulent inquiry.
Product: Checking or savings account

I deposited a check from a marketing company I received to do surveys. I thought I had lost the check and found it in an purse I had used previously. The check/cashiers check was returned and I am told was flagged as a fraudulent item. This deposit occurred on XX/XX/2023. On XX/XX/2023, my transactions were declined which is the same day my standard direct deposit to the same account for approx. 1 1/2 years. I contacted the bank being able to see that my XXXX had been processed. I was informed the account was suspended, I had no access to funds due to the previous deposit of the cashiers check had been returned, and an investigation was occurring. No notice, no next steps, no access to funds, and it would take 14 days. My XXXX more than covers the return ( cashiers check was approx {$1400.00} and I had a balance of approx. {$400.00} at the time of the deposit ), and my XXXX is approx. {$3000.00}. I was treated as if I had done something wrong despite having my account for several years with Bank of the West/Now BMO without incident. I am incurring late charges, return charges, unable to pay basic needs such as rent, food, insurance, and despite stating a notice was mailed, I have yet to receive any communications from BMO. They will not even inform me of how they will contact me after the investigation upon multiple requests of the process and next steps. I am requesting their notifications, practices, and reasons be inquired upon, along with the release of any funds as a result of my XXXX which is currently unavailable, and any and all late charges, be compensated for. I am being treated like a criminal v. a victim of fraud and without any support from BMO. I have spoken to and provided them with all the information I have, to no avail.
Product: Credit card

Summary of My Issue for CFPB Complaint : On XX/XX/year>, I discovered that my Robinhood Gold Credit Card account had been closed without prior notice. When attempting to make a purchase, my transaction was declined. Upon contacting Robinhoods supportwhich only communicates via text messageI was informed that my account had been closed on XX/XX/year>. The reason given was transactions flagged for abuse of the Robinhood Gold Card rewards program, stating that my account was used for business-type transactions, which are prohibited.

I use the card as my personal credit card. Since my employer does not provide corporate cards, I occasionally use my personal card for work-related expenses and then submit receipts for reimbursement. I was unaware that this violated the cardholder agreement, and I was not given any prior warning or opportunity to rectify the situation.

I have always paid my bill in full every month and have never accrued interest or fees. Despite this, Robinhood has revoked my rewards points and cashback : I am unable to withdraw approximately {$170.00} in cashback that I had already earned.

They have not applied cashback on about {$22000.00} worth of purchases made before the account closure.

When I reached out to Robinhoods support to resolve the issue and requested to speak with someone over the phone, they declined, stating that they do not offer phone support. All I received were generic, boilerplate text messages, and they refused to provide further assistance or escalate my concerns effectively.

I find this situation extremely frustrating and believe I have been treated unfairly. I feel that Robinhood has : Closed my account without adequate notice or a clear explanation.

Withheld earned rewards and cashback without justification.

Provided inadequate customer support by limiting communication to text messages and not allowing for a meaningful dialogue to resolve the issue.

Desired Resolution : Reinstatement of my credit card account.

Restoration of my earned rewards points and cashback.

Clear communication regarding the specific violations and guidance on how to comply with the cardholder agreement in the future.

Improved customer support channels, including the option to speak with a representative over the phone.

I have made every effort to resolve this issue directly with Robinhood but have been unsuccessful. I am seeking the CFPBs assistance in addressing this matter and finding a fair resolution. 

Thank you for your attention to this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I settled this with XXXX XXXX XXXX, XXXX XXXX XXXX has no right or valid contract, it is against the law to collect money twice ... XXXX XXXX XXXX has no right or valid contract, this was settled with XXXX XXXX XXXX XXXX XXXX, you can not collect money twice ... 
I contacted original creditors and was told that your system may not be updated or is in error ... XXXX   verification is faulty ... and they told me that they ( the creditors ) did not verify this to you ... please remove or litigation will follow, this is in violation of F.C.R.A. law
Product: Credit reporting, credit repair services, or other personal consumer reports

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent.

1. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX The inquiry was not authorized XXXX XXXX  Date of inquiry : XXXX  Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XXXX  Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XXXX  Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXXXXXX XXXX XXXX XXXX XXXX  XXXX. The inquiry was not authorized XXXX  OF Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested Equifax to remove addresses that did not belong to me over 2 months ago and they still haven't done anything and it's effecting with my disputes.
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 XXXXXXXX Account XXXX Account Name : XXXX XXXX Account NumberXXXX has violated my rights. Or a 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 or other personal consumer reports

According to my research about FCRA XXXX, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1600.00} XXXX  XXXX Balance : {$9300.00} XXXX  XXXX Balance : {$2300.00} XXXX  XXXX Balance : {$5200.00} XXXX  XXXX Balance : {$800.00} XXXX XXXX  XXXX Balance : {$1600.00} XXXX XXXX  XXXX Balance : {$9300.00} XXXX  XXXX XXXX Balance : {$5200.00} XXXX  XXXX XXXX Balance : {$800.00} XXXX  XXXX XXXX Balance : {$2300.00} XXXX XXXX XXXXXXXX Balance : {$1400.00} XXXX  XXXX Balance : {$7400.00}