23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Unjustified Account Restriction and Lack of Support from Robinhood Dear CFPB, I am writing to express my significant concern and distress regarding an unexplained restriction placed on my Robinhood investing account. On attempting to log in, I was informed that my account was restricted for my safety and that no action was required from my side. Contrarily, this restriction barred me from making deposits or withdrawals, directly impacting my ability to manage my finances responsibly, particularly in relation to paying down my margin debt, which was well within safe limits. 

Upon contacting Robinhoods support for clarification, the representative was unable to provide any reason for the restriction or outline any steps I could take, despite the message stating that no action was required. The interaction was not only unhelpful but also handled rudely, prompting me to seek assistance again through a different representative. Although the second representative promised to expedite my case to a supervisor, I received no further communication, and my access to the app was subsequently blocked without explanation. 

This situation has left me extremely irate, stressed, and concerned about the security of my funds and the integrity of Robinhoods customer service protocols. It is unacceptable to restrict access to ones financial assets without clear communication or justifiable reason, especially when purportedly done for the customers safety. 

I urgently request a thorough investigation into my case ( Case # XXXX ) and demand immediate and transparent action to restore access to my account and funds. 

Thank you for your attention to this critical matter. 

Sincerely, XXXX XXXX
Product: Mortgage

I started the modification request process on XX/XX/XXXX. After months and months of delays by Shellpoint ( including no response, repeated requests for same documents and etc. ), I finally received verbal and written confirmation ( see letter dated XX/XX/XXXX ) that the file was complete and was being submitted to underwriting. I then received the letter dated XX/XX/XXXX stating it had been denied because I haven't provided the documents requested!!! I called and wrote a complaint to them asking how it was possible that after finally acknowledging that it was complete on XX/XX/XXXX, could they send me a denial on XX/XX/XXXX based on incomplete information. They said they would respond within XXXX days. When I didn't hear back from them within XXXX days, I followed up. I then received a letter stating they would respond to THAT within XXXX days. I then called them and they said because so much time had elapsed, I'd have to start the process over!!! I explained to the representative and then to the the XXXX that I was waiting for a response as to how they could possibly decline for being incomplete when they acknowledged that it WAS complete. They said they would escalate to management and get back to me. That was several weeks ago and I haven't heard back from anyone! Now the XXXX XXXX sale is scheduled for XX/XX/XXXX and my family and I risk being evicted. PLEASE help me in getting them to respond to my modification request. I want to work out a payment schedule and try to save my home. 

I have attached the pertinent documents but certainly can provide anything else you XXXX need.
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall REMOVE 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. CXXXX 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 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 XXXXXX/XX/XXXX
Product: Credit card or prepaid card

I was going to load money on my card when I noticed that the money o had in there was gone. 
On XX/XX/XXXX I had my fiancee to deposit XXXX on my card that was my rent money plus emergency back up money on XX/XX/2019 there was XXXX sent somewhere by XXXX XXXX, I immediately contact them as they sent me a new card and started the dispute but not onced but twice my dispute was denied the women who called me the second time to inform me that the decision stands was very rude. 
During the time period of XX/XX/XXXX to XX/XX/XXXX I was in the hospital with XXXX and plus possible XXXX XXXX XXXX but I am a victim of identity theft all of my stuff has been compromised I had tried explaining that but they didnt care just like they didnt care that me and XXXX kids got thrown out of my house.
Product: Credit reporting, credit repair services, or other personal consumer reports

I own a company, XXXX XXXX XXXX. I had an employee steal my personal and business information. They opened accounts in my name and ruined my credit. I have brought civil action against XXXX XXXX & XXXX XXXX. I won my lawsuit. They were also charged criminally and convicted. I have attached my legal work and I ask immediately that these accounts listed below be removed from my credit report due to fraud. 

1 ) XXXX XXXX XXXX CC Opened XX/XX/XXXX balance {$16000.00} ( Remove ) 2 ) XXXX XXXX Opened XX/XX/XXXX balance {$6000.00} ( Remove ) 3 ) XXXX/XXXX  Opened XX/XX/XXXX {$0.00} Balance ( Remove ) 4 ) XXXX Opened XX/XX/XXXX Balance {$32000.00} ( Remove ) 5 ) XXXX  Opened XX/XX/XXXX Balance {$4500.00} ( Remove ) 6 ) XXXX Opened XX/XX/XXXX Balance {$27000.00} ( Remove ) 7 ) XXXX XXXX XXXX ( Home Equity Line of Credit ) Opened XX/XX/XXXX {$320000.00} ( Remove ) 8 ) XXXX XXXX XXXX Opened XX/XX/XXXX {$0.00} Balance ( Remove Account was compromised by fraud because my bank account used to make payments was stolen ) 9 ) XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$2100.00} ( Remove Account ) 10 ) XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$99000.00} ( Remove Account ) 11 ) XXXX XXXX   Opened XX/XX/XXXX Balance {$0.00} ( Remove Account ) 12 ) XXXX Opened XX/XX/XXXX Balance {$3500.00} ( Remove Account ) 13 ) XXXX Opened XX/XX/XXXX Balance {$0.00} ( Remove Account ) 14 ) XXXX XXXX Opened XX/XX/XXXX {$3500.00} ( Remove Account ) 15 ) XXXX XXXX XXXX Collection Opened XX/XX/XXXX ( Remove this Account it is part of my civil suit ) 16 ) XXXX XXXX Opened XX/XX/XXXX Balance {$6100.00} ( Remove this account ) 17 ) XXXX    XXXX Opened XX/XX/XXXX Balance {$3500.00} ( Remove this account ) 18 ) XXXX XXXX Opened XX/XX/XXXX Balance XXXX ( Remove this account
Product: Credit reporting or other personal consumer reports

I looked on my credit report and noticed that there is a late payment for 30 days for my credit card account for XXXX XXXX in XXXX of XXXX  PLEASE Update this account to PAID ON TIME and NEVER LATE I have never been late on my credit card payments and it is inaccurate please help me fix this with the credit bureaus to update my report asap.
Product: Credit card

Account closed with no notice. All Rocket customers cancelled same day. I called in was told no payment plan options. Must pay full balance now.
Product: Credit reporting or other personal consumer reports

I have recently received late payment credit alerts on my consumer report : System Services & TechnologiesXXXX XXXX # XXXX These companies are clearly in violation of the law. Under 15 USC 1681b- permissible purpose of consumer reports, The Law Clearly States : ( a ) In General Subject to subsection ( 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 did not give you written instructions to furnish this in my credit report. Show proof that I gave you written instructions to furnish this on my credit report or remove.

Furthermore, the Fair Credit reporting Act 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a credit report clearly states : ( 2 ) Exclusions- except as provided in paragraph ( 3 ) the term consumer report does not include ( A ) Subject to section 1681s-3 0f this title, any- ( i ) report containing information solely as a transaction or experience between the consumer and the person making the report.

This means late payments should not be included in my credit report, because they are transactions. 

The late payments are also inaccurate. I was told by XXXX that I was in good standing. I made a large payment of over {$26000.00} to XXXXXXXX XXXX XXXXXXXX said I did not have to make a payment for a very long time, but I was flagged for multiple late payments by XXXX account handler System Services and Technologies. System Services & Technologies claims not to be a collections agency and claims to handle open accounts for XXXX. If this is correct, then there seems to have been a lapse in communication causing multiple inaccurate late reporting on my consumer report. Delete the above late payments from my consumer report. 

These companies are in violation of 15 USC 1681 As I have mentioned before, I have already disputed this matter, and you did not comply. I see that as willful noncompliance. This will be my final attempt. Failure to respond satisfactorily with deletion of the above account will result in legal action being taken against your company, for which I will be seeking compensation for damages per violation for : 1. Fair Credit Reporting Act 15 USC 1681 violation of willful noncompliance- 616. Civil Liability 2. Defamation of Character 3. Negligent Enablement of Identity Fraud 4. Fair debt collection Practices Act 15 USC1692g violations
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX XXXX the party filing false information on my credit report, and they refused to remove the false information ; I contacted Equifax, and XXXX with a complaint, and they refuse to remove this from my credit report ; I had a XXXX XXXX   from XXXX XXXX I never used, and a XXXX Card I used, and all payments were made on time, they reported a late payment which I was never notified I owed anything to them, they reported both cards, two seperate accounts under the same complaint ; they reported that I never made the first payment, but it clearly shows on the report two payments prior were made on time, customer offered me {$50.00} late fee credit, and no fees until XXXX as their solution, I stated I wanted the accounts closed, as they are paid in full, and wanted this false information removed from my credit report, XXXX XXXX refused, the credit reporting agency are holding this on my report.
Product: Debt collection

A company called XXXX debt collectors has repeatedly called me stating that I owe money to a doctor I saw in the hospital. I tried to look up where this doctor practices since I have never once received a bill from there office. I tried to reach out to the hospital I was seen at to see if they had the offices information. They number they had on file was for a practice that he does not work at. I tried to look online and it states that the office he works out of it Permanently closed. I told the representative from the collection agency that I have never received a bill from the doctor of them. I asked for information on the doctors office so that I could reach out to them but they stated that they dont have any of this information. They were very rude on the phone and kept talking over me. They repeatedly call Atleast once a day. I finally picked up about a week later and I got the same answers and the same attitude from another employee. I work in a XXXX XXXX doing XXXX  and I know how it works, if a XXXX  calls and asks for the XXXX  information they are more than willing to give that information out. As well, when I look up the collection agency all the results are stating that this is a scam.
Product: Credit card

I have asked them to please cease and desist contact as they are calling me up to 10 times a day regarding my past due balance. I have told them on several occasions that my husband has lost his job, and it is down to my income only. I have to choose to feed my family or pay the creditors and my family comes first. I can not have them calling me up to 10 times a day 7 days a week. It interrupts my work and any time I do have to get other things done. I am doing the best I can in this situation and calling me nonstop is not going to make me pay any faster. I have tried explaining it and they say well we can only stop calling for a few days until you give us money. I can't afford to give any money right now as I am barely hanging on and we are close to bankruptcy. I just need the calls to not be so excessive. 1 time a day is way more than enough. I know I owe money. Calling me constantly isn't going to make money appear.
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 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 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. 
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, 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 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

Account was paid in full mot charged off there is no past due balance furthermore the company agreed to remove account from the three credit reporting agencies. I am pretty sure that you know that this is a violation. I demand the immediate removal of this accout to ensure that your agency is reporting full and only complete information on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings, I have been contacting the 3 credit agencies about some accounts which were not created by myself or anyone I know reporting on my credit reports. 

I've sent all the documents they have requested to do a proper investigation and sent it by certified mail each month for the last 3 months and they still have not removed these fraudulent accounts which were not created by me. Every time I call and reach out to ask about the investigation, the company says they have either not received my information and I need to resend it, or they just do not respond to the investigation entirely, and I am fed up because this is hurting my ability to obtain credit and move on with my life. I am trying to get these accounts removed because they are not mine. Here are the details of the disputes I have submitted. 

I sent my last round of disputes by certified mail on : XX/XX/2023 for XXXX XXXX and XXXX  XXXX XXXX XXXX and several inquiries for credit which I did not commit.
Product: Debt collection

I had a Sears Card thier were some issues with the card so I made an agreement to have the card cancelled and pay the debt off, I did so. Now it is showing up on my credit report as a COLLECTION. I have no idea how this happened when I honered the agreement I had with Sears.
Product: Debt collection

Debt was reported to the credit agency, no contact information. I then received a phone call the caller did not identify himself just the agency he was calling from and reason for the call, I inform him that the insurance company paid the debt and I was not responsible for the entire amount just {$57.00} copayment. He then proceed to tell me how embarrassed I should be and I could be sued and my wages garnished if I did not pay. Or if I wanted to have the derogatory mark on my credit for 7 years he would see to it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im accordance with the Fair Credit Reporting Act XXXXl XXXX Account # XXXX Dept of Ed/AXXXXe Account # XXXX Dept of Ed/XXXX  Account # XXXX Dept of Ed/XXXX Account # XXXX Dept of Ed/AXXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Service Account # XXXX XXXX XXXXl Service Account 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: Checking or savings account

On XX/XX/XXXX and XX/XX/XXXX, I had numerous unauthorized charges hit my Great Western Bank checking account from XXXX. I didn't see them until XX/XX/XXXX and at that point, my account was overdrawn by almost {$500.00}. I saw that on XX/XX/XXXX, the bank had already charged me a {$170.00} overdraft fee. I called XXXX and disputed the numerous charges and they agreed to refund all of them but stated it could take 3 to 5 days to complete the refunds.There were also several pending charges that they cancelled for me. I notified my bank of the situation and that the charges were being refunded. I asked at that time if they would be able to refund me the overdraft fee once the account was refunded. The teller I spoke to said that she would pass on the request to her branch manager. The next day, I checked my account. About half of the unauthorized charges had been refunded, but I saw there was a second overdraft fee in the amount of {$170.00} from my bank. I called them again and asked why they were continuing to charge my account. The branch manager said that due to the fact that the charges were not a bank error, they would not be refunding the overdraft fees. I explained to her the impact that the total of {$350.00} in fees was having on my account and tried to persuade her to reconsider. She adamantly refused, stating not only would she continue to charge the fees, but that she was obligated to. She began to argue the validity of my claim that the charges were not authorized. I reminded her that XXXX had agreed that they were not which is why they were issuing me a refund. She was completely unwilling to work with me. By XX/XX/XXXX, the unauthorized charges had been completely refunded and the overdraft fees remain. I believe my bank should refund the fees due to the fact that the unauthorized charges were the cause of my account becoming overdrawn.
Product: Debt collection

This One Account has been passed around to 4 different collection companies and it dropped my score just for appearing on my credit report ; it was even a verified debt. I recently sent a email to XXXX with proof that this account has been deleted on XX/XX/2019. XXXX XXXX is responsible for passing this account around twice ( XXXX XXXX XXXX, XXXX & Superlative RM ) after the sent me a letter confirming the account has been deleted any consumer reporting agency. The Original Creditor is XXXX XXXX XXXX XXXX. Superlative also called acting as if this was a different account but amount was the exact same.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordamce with the Fair Credit Reporting Act. The list of accounts have violated my federally protected rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX : XXXX, XXXX XXXXXXXX : XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX, XXXX XXXX : XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX, DEPT OF ED XXXX : XXXX, 15 USC 1618 Section 602 A States I have a right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681c. ( a ) ( 5 ) sections states : NO consumer reporting agency may make any consumer report containing any of the followings items of information. Any other adverse items of information, other than records of convictions of crimes which antecedents the report by more than seven years. 15 USC 1681 Section 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. Who verified such information as accurate.

I will need to be provided original contracts with my wet signature of all accounts that are deemed verified and accurate. I will also need names of people who investigated all items listed above as I will be suing for compensation for damages these false and inaccurate investigations have caused to me as it is a direct violation of my consumer rights. Please be prompt in handling this matter as this is my last attempt to rectify this before seeking legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitted disputes with XXXX, XXXX, and TransUnion regarding Public Record being inaccurately reported on my reports XX/XX/2022. Each bureau stated the information was verified by XXXX XXXX.
Product: Credit card or prepaid card

Hi, In XXXX I applied for a Bank of America XXXX XXXX credit card. I got rejected ( I have the letters to prove it ) and forgot about it. I received some mail and email form BOA that was promotional and feedback on the application process. However, I went to check my credit score and it turns our BOA had opened that account for me and is trying to charge me {$75.00} ( the annual fee for the card ). I don't have the card, an account number, username, or any other info to even close the account. I've reached out to BOA but have not gotten a response.