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

My issue is that the credit bureaus must report accurate information consistent with the Fair Credit Reporting Act. I recently received two credit alerts ( on XXXX & XXXX respectively ) that XXXX dropped my credit score by XXXX points XXXX Transunion dropped my score by a whopping XXXX points, with no explanation provided. I've done nothing wrong. Didn't miss a payment. The credit bureaus should not be reporting negative score information as I am in good standing with all of my creditors & accounts.
Product: Mortgage

I have been trying to get a Loan Modification on my home due to loss of job in XXXX when I received original loan and now being full time employed but at a much lower salary. I have repeatedly mailed, emailed paperwork to Pacific Union Financial to continue to be told information is missing, which they find was actually sent when requested, to be told by numerous employees of PUF different stories, letters are in the mail, underwriting has it in there hands should be approved next few days to, today being told my the Rudest of all XXXX in Loss Mitigation that since my appeal letter, my payment has actually gone up. I Am At A Loss and can get no help and no resolution.
Product: Credit reporting

Equifax is reporting judgement that I have been disputing for several months and still on my reports I do n't get any response from Equifax I need help judgement not mine and I do n't know how anyone can report something on my reports
Product: Checking or savings account

Hello I tried to apply for a bank account and was denied because of something called the early warning system I read that it was fraud going on with accounts as far as checks and owening banks I saw that I owe like XXXX dollars I have never wrote nor misused any accounts I was a victim of identity theft I have know knowledge of this report. I would like to have this resolved so I am able to open a bank account. The date of supposed incident or closure date is XX/XX/2017. I'm not admitting fault but if I have to pay it back that's what I'll do.
Product: Mortgage

New American Funding of XXXX, CA is listing me as an mortgage consultant on their company websites and on XXXX searches. I have never worked there or accepted any position with them. They have set up a website for me, issued an XXXX XXXX  and an email address. I previously worked at XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX for 20 years through XX/XX/2024 ( the XXXX XXXX XXXX XXXX went out of business ) and immediately started my employment at XXXX XXXXXXXX XXXX XXXX  on XX/XX/2024. Inquiries from past clients and referral sources are being directed to an XXXX XXXX or an email address per these on line advertisements/searches which will never get to me. This has apparently been going on for the past 34 days. It is unknown how many people have tried to contact me this way. It is also unknown how this has financially harmed me.
Product: Checking or savings account

Hi CFPB Team, I am writing to formally lodge a complaint against Robinhood Financial LLC regarding their abrupt decision to close my brokerage account without providing sufficient documentation or a clear rationale. This unexpected closure has greatly impacted my ability to access and use the funds within my Robinhood account. 

On XX/XX/year>, I received an email from Robinhood informing me that they will no longer support my account and that this decision is final. The email, sent by XXXX, who manages escalations at Robinhood, stated that I should refer to an attached document for further details. However, no such document was attached. 

Here is the content of the email from XXXX at Robinhood : -- - Hi XXXX, Thanks for your patience while I worked to respond to your email. My name is XXXX and I manage escalations here at Robinhood. Your case was forwarded to me for further review. 

We regret to inform you that after careful consideration, Robinhood will no longer support your account. 

Please refer to the attached document for further details. 

We wish you the best in your future investing. 

Please note that this is a final decision. 

Sincerely, XXXX Case ID : XXXX -- - Upon noticing the lack of attachment, I immediately reached out to Robinhood for clarification and requested the missing document. In their response, they apologized for the confusion but maintained that no attachment would be provided and that their decision remains final : -- - Hi XXXX, Thanks for getting back in touch. 

Please refer to the message sent to you on XX/XX/year> regarding this matter. My apologies for the confusion, there will be no attachment in relation to this decision. 

We appreciate you letting us know about your CFPB complaint. Once received, our teams will respond accordingly. 

Please note that this decision remains final. 

We appreciate your understanding. 



Sincerely, XXXX Case ID : XXXX -- - This situation is deeply concerning for several reasons : Lack of Transparency : Robinhood failed to provide any documentation or specific reasons for the account closure. 

Failure to Attach Critical Document : The email indicated there would be an attachment providing details about the decision, which was not included. 

Final Decision Without Recourse : Robinhood 's stance of finality leaves me without any means to understand or contest the decision. 

My Robinhood account has always been well-managed with no issues or violations. The sudden closure happened without warning and for no apparent reason, which has caused significant inconvenience and distress. It has also greatly impacted my ability to access and use the funds within my account.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Equifax regarding their failure to properly resolve a dispute I submitted concerning inaccurate information on my credit report. Despite my formal request for verification and correction of the disputed items under the Fair Credit Reporting Act ( FCRA ), the response I received from Equifax has been inadequate. 

Here are the details of the issue : Confirmation numbers : XXXXXXXX XXXX XXXX XXXX  XXXX Dispute Submitted : XX/XX/year> Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Original Dispute Reason : This account does not belong to me. 

Equifax informed me that the disputed item had been " updated '' but failed to provide any verification or documentation to support the continued reporting of this item. I formally requested verification as required under FCRA Section 611, and I have not received any substantiating evidence from Equifax to confirm the accuracy of this information. 

Summary of My Issue : I requested verification of the accuracy of an account on my credit report, and Equifax claimed they updated the item but did not provide any documentation to support their findings. 

I asked for the supporting documentation, as is my right under the FCRA, but Equifax has failed to respond appropriately. 

The inaccurate information remains on my credit report, which is negatively affecting my credit score and overall financial standing. 

Resolution Requested : I am requesting the CFPB to assist me in ensuring that Equifax : Provides the necessary verification documentation they claim to have used in their investigation. 

Removes the disputed item if they are unable to provide verifiable proof of its accuracy. 
Ensures that any actions taken by Equifax comply with the XXXX investigation requirement as mandated by the FCRA. 

I also request an investigation into XXXX handling of consumer disputes, as this failure to provide proper verification and their vague response regarding an update is causing significant harm to my credit.
Product: Debt collection

Alliance Collections Agencies Inc. is improperly and illegally reporting a medical collections debt that has been paid completely to XXXX XXXX XXXX XXXX. 

Alliance is violating HIPPA laws and the FCRA by falsely reporting a fully paid debt. 

Additionally, when Alliance contacted me via mail, I asked for them to turn the debt back to XXXX XXXX XXXX XXXX. They refused to acknowledge my letter and did not reply or listen to my request.
Product: Debt collection

XXXX ( XXXX XXXX XXXX Calls me everyday looking for someone else, i have asked them XXXX times to stop calling me and they continue calling me.
Product: Credit reporting

I 've recently obtained a copy of my credit report from your agency, and found the following error on my credit report in the name of XXXX and XXXX XXXX ( Judgement ) Please note that before making this request, I sent letters to the organizations responsible to determine their validity. Although I sent these letters return receipt requested and have proof that my letters were received more than 30 days ago, they have failed to respond. Therefore, I ask for your assistance in resolving this matter. 
In accordance with the Fair Credit Reporting Act, I respectfully ask you to investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I ask that you immediately delete the unauthorized inquiries outlined above. 

If your investigation determines the inquiry was authorized, I respectfully request you forward to me a description of the procedure used to determine this within 15 days of the completion of your re-investigation. Thank you for your consideration and cooperation and if you have any questions concerning this matter I can be reached at ( XXXX ) XXXX. 

I 'm reminding you that you are required to conduct the subject investigation in a timely manner. The Fair Credit Reporting Act states that the investigation should be completed within 30 days. Please send me a copy of my updated credit report to the address listed above following the completion of your investigation. 
Please also provide me with any documentation that you received in connection with the above investigation including, but not limited to, the telephone and/or contact information of the inquirers, any and all responses provided by the furnishers of information, and the specific action taken as a result of those responses.
Product: Credit reporting or other personal consumer reports

I am writing to verify an account that appears on my credit report. The account in question is reported under the following details : Account name CBNA  Account number XXXX .... 
Reported Address : XXXX ( identification number ). 

I would like to formally request an investigation into this account, as it is associated with an address where I have never lived. According to the Fair Credit Reporting Act, I have the right to dispute inaccurate information on my credit report. 

I kindly request that you investigate this matter and remove this account from my credit report, as it is not valid.
Product: Money transfer, virtual currency, or money service

I ordered a cashiers check on XX/XX/2024 and mailed it on the same day via certified mail. The check was supposed to be delivered on XX/XX/XXXX. I received a notice from my landlord on XX/XX/XXXX that my rental payment was not received. After, checking the tracking information my check was never delivered and has not had any tracking updates since XX/XX/XXXX. I submitted a declaration of loss with my financial institution and Im being informed that I have to wait 90 days before they would consider canceling/reissuing the check. Ive submitted several service request with the postal office and they closed the cases stating they are unable to provide a resolution.
Product: Checking or savings account

Hello my name is XXXX XXXX Capital One restricted my account due to receiving a check from XXXX XXXX. The account has been restricted since XXXX XXXX. They took my direct deposit and XXXX excess away. They also misinformed me information on my account. I was told I can not receive any written or email correspondence as to why my account is being restricted. The loan was approved in my social security number yet Ive been told it was in a ein number and it does dont match. I spoke with the lender and the lender clearly stated that there is no issue on there end and capital one has no right to hold the funds. Capital one stated they will refund the funds but failed to do so. Capital one representatives are very rude and obnoxious. I would like legal action against them for I been a loyal customer to them since XX/XX/XXXX. 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to send me proof of my written authorization and the permissible purpose I made I never received any response from them. 

In accordance with the Fair Reporting Act, these companies have violated my rights. 

Listed below are the companies and the date of inquiry : XXXX XXXX XXXX XX/XX/2022 Experian XXXX XXXX XXXX XXXX  XX/XX/2022 Experian XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXXXX/XX/2022 XXXX 15 U.S.C. 1681 Section 602 A States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/2017 credit inquiry. I had applied for a checkings account and didnt know they would do a hard pull. 
XXXX XX/XX/2017 - XX/XX/2017 XXXX XXXX XXXX XX/XX/2017 - XX/XX/2017
Product: Checking or savings account

I opened a business account and a personal account, I deposited 1 check, no transactions were done and they closed my accounts with no warning, and their best response is we have the right to close any account anytime for any reason!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

The information reported by following creditors and collection agencies in my credit reports are incorrect. I tried to contact them and they are taking time to remove - SEARS/CBNA # XXXX XXXX XXXX XXXX # XXXX
Product: Mortgage

Good afternoon, I have previously submitted a complaint on 2 late payments ( XXXX XXXX XXXX on our credit history from Mr.Cooper /NationStar/ XXXX XXXX . Much of the information in the response contradicted itself in their letter. One being that we were informed of a payment change in XXXX ( which is true ) ; however, that was not effective until the XX/XX/year> payment. It states that in the response from Mr.Cooper. I responded back to their response stating that information through out the letter was inconsistent and asked for someone to look at the case again. I did not get a second response and the case was closed. I'm asking that someone please read thru the information provided again. We have been informed by several mortgage companies that what they did was wrong and needs to be addressed. Attached you will find responding letters, Mr. Cooper 's Letter, etc. Thank you looking into this for us. It's devastating to work so hard on your credit, only to have something like this destroy all your hard work.
Product: Credit reporting or other personal consumer reports

I am filing this complaint personally. After reviewing my credit record, I found instances of late payments. Despite sending letters over 30 days ago, I have not received a response, and they have failed to provide satisfactory validation. I kindly ask for your assistance in resolving this matter.
Product: Credit reporting or other personal consumer reports

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 dated XX/XX/year> regarding a dispute on the above account & reference numbers & also previous disputes regarding this account and reference numbers. 

You've responded to my previous DISPUTES with a statement stating that you have reported accurate information to my CONSUMER REPORT. First of all I have never asked if you are reporting accurate information! The LAW in 15 U.S.C. 1681a ( d ) ( XXXX ) ( a ) ( XXXX ) is very SPECIFIC. You are reporting a transaction on this account that XXXX defined in the consumer report where TRANSACTIONS or EXPERIENCES are NOT included in the consumer report. I never asked about ACCURACY, please stop providing me with information I did not ask for. 

XXXX15 U.S.C. 1681a ( d ) ( XXXX ) Exclusions. Except as provided in paragraph ( XXXX ), the term consumer report does not include ( A ) subject to section XXXX, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; " This is a specific section of the LAW that speaks SPECIFICALLY that TRANSACTIONS or EXPERIENCES between the CONSUMER ( I, XXXX XXXX ) and XXXX XXXX XXXX / HALSTED FINANCIAL SERVICES / XXXX XXXX XXXX XXXX XXXX are NOT included on the CONSUMER REPORT. Maybe you will need to re-read this section of the LAW or send this over to your legal department immediately. 

" 15 U.S.C. 1681n ( a ) In general. Any person ( CORPORATION ) who willfully fails to comply with any REQUIREMENT imposed under this title with respect to any CONSUMER is liable to that consumer in an amount equal to the sum of " - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - 15 U.S.C 1681a ( d ) ( XXXX ) ( a ) ( XXXX ) is a REQUIREMENT This is my FINAL dispute/rebuttal or letter of communication regarding this matter. If you persist to report information on my consumer report that is NOT included in my consumer report based on the guidelines of the FCRA, I will have no choice but to SUE you under section XXXX for CIVIL LIABILITY for WILLFUL NON COMPLIANCE. 

I DO NOT CONSENT TO THE REPORTING OF SUCH UNLAWFUL INFORMATION TO MY CONSUMER REPORT
Product: Credit reporting or other personal consumer reports

I did not authorize these lenders or companies to obtain my consumer report or anything about me, I want the inquiries removed of my consumer report as soon as possible because it is hurting my ability to obtain credit or I will take legal action as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

went to dealership was told in house financing but ran my credit with other companies without telling me XXXX XXXX XXXX XXXX XXXXXXXX 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
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 
XXXXXX/XX/XXXXXXXX XX/XX/scrub>/2024, XXXX XX/XX/year>2024 & XXXX XXXX XXXX/XXXX/2024
Product: Debt collection

Consumer Adj CO. who listed as the debt collector, whom I have no knowledge of, reported a debt for XXXX XXXX XXXX  who is listed as the original creditor reported to XXXX and XXXX a fraudulent debt of XXXX that is stated to have opened XX/XX/2022. This is fraud! An attempt to fraudulently collect monies. I do not have an open or closed contract, agreement nor contact verbally or non-verbal with this entity and have no knowledge of this company. It also shows record Consumer Adjustment CO is a closed facility, or non-operating entity. This entity has been sued constantly and lost cases for fraudulently creating false claims of debts owed. Per the XXXX  website, each case they lost. I've never received any communication. This is a fraudulent debt collection attempt.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have unauthorized inquiries that need to be removed I didn't do this
Product: Debt collection

I have attempted this complaint twice now regarding Chase Bank. They are calling me so many times, they are making this website crash so they can push the call through. 
I had identity theft in XX/XX/2023. It took 90 days to get about 75 % of the money stolen from. XXXX accounts. The credit card company refused to listen and now they are calling from XXXX to XXXX sometimes 15-20 times a day and calling from different numbers. The balance is to {$1800.00} and the limit on their card was {$1500.00}. I asked for a limit change and they refused. Now their fees are well over the credit limit and I owe 100s of dollars more. 
If they call again during this session, I can not keep repeating the issues and typing all this on my phone.
Product: Money transfer, virtual currency, or money service

on XX/XX/XXXX I was sent XXXX from my brother, through Paypal. 
Paypal withheld the money for 5 days then I received an email from Paypal stating that the money was ready to be to be claimed. I then logged on to my account and when I attempted to to transfer the money I received a message stating that my transaction couldn't be completed at this time come back later. I kept trying and then called paypal to find out what was happening, I was then locked out of my account and had to wait on hold for over an hour, each time being transferred to another department, never receiving an answer that explained why there was an extra hold on my funds. Banks don't place holds on money as long as paypal has. Finally I was told that there was a internal computer security problem that would be delaying the availability of my funds indefinitely. Paypal 's internal computer security problems shouldn't affect the funds that belong to me Failed to honor funding times, Neglected to post payments when website fails, Mishandled customer disputes about payments. Paypal has a history of poor and deceptive business practices, and even after class action lawsuits have caused punitive damages, they continue these same practices. After I threatened to file a report they changed the error message on the transfer
Product: Credit card

They have asked for more time to investigate but meanwhile they are negatively reporting to the credit bureau! They are reporting Ive missed a payment now. I cant make a payment on an account they cut off my access to! Im mad!
Product: Checking or savings account

I noticed a ATM withdrawal of XXXX from XXXX XXXX AZ on XX/XX/XXXX. I was in XXXX California that day and even made purchases with the card showing I was in XXXX. I only noticed this because on XXXX someone tried making an unauthorized purchase of {$150.00} early in the morning. I called Wells Fargo to report the fraud, initially they gave me the credit for {$140.00}. on XX/XX/XXXX they then took that money back claiming there was no issue and I was the one withdrawing that money. I even had an address and requested the police were to be involved, they didnt even look into it. I called Wells Fargo back questioning this and they basically told me tough luck.
Product: Debt collection

I never signed any documentation or agreed to this rental property that XXXX XXXX  has now forward over to fair collections and sourcing of XXXX. I never lived at this address