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

School loans late payments came back verified. And i sent a permissible letter to Experian and Experian removed the XXXX accounts. After Experian did a reinvestigation and the XXXX account came back verifed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/XXXX I have tried to get Experian to take me off the loan they are showing on my credit report that I am responsible for. I have submitted documentation that I was taken off the loan and even in my credit file it shows the co-signers which is not held in my name and removed in XX/XX/XXXX. My XXXX XXXX has taken a significant hit with this outstanding loan and I will now need to take legal action to get removal and compensation for damages done. 

Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Status Open/Never late. 
Status updated XX/XX/XXXX XXXX {$7900.00} XXXX updated XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Dispute of Inaccurate Information in Credit Report Account Number : XXXX Dear XXXX XXXX XXXX I am writing to formally dispute the accuracy of certain information in my credit report, which I believe constitutes a violation of 15 U.S.C. 1681e ( b ). This provision requires credit reporting agencies to maintain reasonable procedures to ensure maximum accuracy of the information they report.

I noticed that the above account has been reported as a charge-off multiple times by the original creditor. A charge-off is a one-time event, and reporting it more than once is inaccurate and may violate the Fair Credit Reporting Act ( FCRA ), which requires information on credit reports to be accurate and not misleading. In addition to multiple charge-offs being reported, I also believe there may be other inaccuracies related to this account. 

The inaccuracies include reporting only XXXX charge off on my Transunion in XX/XX/XXXX. You have reported over XXXX charge offs on my XXXX since XX/XX/XXXX up until XX/XX/XXXX. And recently when I filed a report through the CFPB about the XXXX you refused to send me, you decided to report a charge off for the month of XX/XX/XXXX on my XXXX. My experian has a total of XXXX charge offs from XXXX XXXX XXXX. This account has been charged off and closed since XX/XX/XXXX. 

XXXX Credit Reporting Standards : According to the Fair Credit Reporting Act ( FCRA ) and credit reporting guidelines, a creditor can report an account as charged off only once. After that, the account remains in charge-off status until it is resolved ( e.g., paid, settled, or transferred/sold to a collection agency ).

2. Impact on Credit Reporting : If the original creditor reports multiple charge-offs on the same account, it could unfairly damage your credit score by making it appear as if multiple charge-offs occurred. This would be considered inaccurate reporting under the FCRA.

3. Possible Errors or Misinterpretations : Sometimes, creditors may update the charge-off status monthly ( e.g., Charge-Off - $ XXXX Past Due ) until the account is resolved. While this can be legal, it is not the same as reporting new charge-offs each time. If it appears as multiple charge-offs on your credit report, it may be a reporting error.

I am requesting that you investigate this matter and correct the inaccuracies on my credit report immediately. Please provide me with the following : 1. A detailed explanation of how the account is being reported, including the dates and statuses of each charge-off.

2. Verification of the accuracy of this account as it appears on my credit report.

3.Removal of any inaccuracies found during your investigation, including the removal of duplicate charge-offs or misleading information because this is illegal.

Please conduct your investigation within the 15-day timeframe required by the FCRA and provide me with a written response detailing your findings. If you find that the information is inaccurate or unverifiable, I request that it be removed accordingly. Thank you for your attention to this matter.
Product: Credit card

I applied for a PNC credit card on XXXX  and got denied. Regardless of the reason for being denied, I have the right to my own credit, withholding my access to my securities is securities fraud and they are violating the equal opportunity credit act as well as the consumer credit protection act since they are denying me my credit they can either reconsider the application or they can remove my application from their system and remove the inquiry it put on my credit report. If they still deny me I will hold them guys accountable with {$1000.00} fine per violation I find. It is against the law to deny me of my own credit and Im willing to let that slide as long as they accept my application. 

XXXX XXXX ATTORNEY FOR ALL CAPS NAME FOR XXXX XXXX XXXX
Product: Debt collection

A phone call was received on XX/XX/XXXX XXXX from XXXX XXXX Office of hunter Warfield on behalf of XXXX XXXX XXXX XXXX in regarding the debt collection in the amount of XXXX some change ( I dont recall the exact amount ). After a phone conversation was finished, the resolution came out to be a 50 % discount of the original debt and this was approved. However, when I requested a letter of acknowledgement from Hunter Warfield and I was denied because they will not provide any written notification about this requested. I also requested a phone recording as part of proof just in case I was being scam and I was denied again. In a situation like this, can I requested a letter of acknowledgement if agreement is done by verbally? I do not want to end up paying anything extra if the settlement is already agree.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT -- 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4000.00} -This is not my account.
Product: Credit card or prepaid card

I have had a Citi bank credit card for over 10 years. The use if the credit card is in good standing. The card expires XX/XX/2021 and when I called today they informed that the card will not be renewed and it is closed. Im currently buying a house and closing this account will affect my credit negative and it will prevent me from buying the house. I contacted Citi and they say that it was due to company 's policies. I want Citi to keep my credit card open and the card to be renewed, Im not delinquent and It is not fair that they damage my credit report. If they do not fix this I will make this public.
Product: Credit reporting or other personal consumer reports

There are several errors on my Equifax and XXXX credit reports. on my Equifax 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
Product: Checking or savings account

I have another complaint with wells fargo to go along with my other complaint. I made a fraud claim back on XX/XX/XXXX which was about XXXX weeks ago, nothing investigated my money still not returned and know that has caused me to go negative in my account while they also charged me XXXX XXXX dollar overdraft fee on something that i didnt cause, there lack of giving me my money back has caused me financial hardship, my next step is taking this to court because i am not paying those fees
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. I'm looking forward that the disputed items will be updated and repaired as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX TX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/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 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 reporting, credit repair services, or other personal consumer reports

I have contacted Transunion about the inquiries in question only to be met with " Inquiries are a statement of fact ''. I have been disputing the following unauthorized inquiries : XX/XX/XXXX - XXXX XXXX XXXX, XX/XX/XXXX - XXXX XXXX XXXX, XX/XX/XXXX - XXXX, XX/XX/XXXX - XXXX XXXX, XX/XX/XXXX - XXXX XXXX, XX/XX/XXXX - XXXX XXXX, XX/XX/XXXX - XXXX. Only XX/XX/XXXX XXXX was removed and I am asking that since the aforementioned were not verified, that they be omitted and removed from my report per the FCRA.
Product: Credit reporting or other personal consumer reports

I had XXXX JP Morgan chase cards. 
I had received an offer to pay off the cards in exchange for having the late/derogetory remarks removed from my credit report. I agreed to pay both cards, yet they still keep reporting negatively on my credit.
Product: Money transfer, virtual currency, or money service

The company involved is robinhood. I have been using robinhood for a while now, around XXXX we decided as a whole family to invest in cryptocurrency. Me being the XXXX son decided to use my robinhood account to invest. On the XXXX of XXXX I made an ACH transfer of $ XXXX from my XXXX  total checking account to my robinhood account. On the XXXX of XXXX I made another ACH transfer of $ XXXX from my XXXX  total checking account to my robinhood account. Then finally on the XXXX of XXXX I made another ACH transfer of $ XXXX from my XXXX  total checking to my robinhood account. The following week the ACH transfer I made was already available in my robinhood account. So I purchased $ XXXX worth of XXXX and was going to send out, immediately I got a message saying you cant send out crypto at the moment The next moment I saw a displayed card saying * account restricted*, saying I should verify my identity using my ID card and I should do a selfie verification, which I did immediately. 

Another display card popped up saying I should provide a recent pdf bank statement of the account linked to my Robinhood account. I contacted my bank and they said the statement for the month is not available yet, I had to wait for 2 weeks before the statement was out. 

During the wait period I was able to withdraw $ XXXX back into my XXXX  bank account, I tried to withdraw another $ XXXX the next day because there is a daily withdrawal limit of $ XXXX but Robinhood didnt allow me anymore. 

Finally the statement was out and I was able to provide them with a recent pdf bank statement, so they said they are reviewing my account, I was asked to wait 7- 10 business days. After waiting that long, I was sent an email saying Hi XXXX, We can no longer maintain your Robinhood account. We reserve the right to close accounts in our terms and conditions. 
All funds will be returned if eligible. We are working directly with your bank to return funds. Please reach out to your originating bank for questions. 
At this time, we have no further details available to share. 
We appreciate your understanding. 
Sincerely, Robinhood Support Case ID : XXXX This was all that happened, now they said the money will be back in my account and its not there yet. 


All I was trying to do was to invest and they did me this bad The email address on my robinhood account is XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian should not be reporting the XXXX XXXX XXXX   partial account number XXXX. ( Please see pages attached from my credit report. ) This account does not belong to me. This account belongs to my father. I have contacted XXXX, as well as Experian to remove this account from my credit report however, I have not been successful. This account is also reporting ( 90 ) days late and is seriously harming my credit score. Please remove this line item from my credit report.
Product: Debt collection

Reported account as fraudulent and to be removed ( Credence Resource Management ) as well as XXXX, XXXX, and XXXX keep reporting account on my report without giving a detailed description of how account was verified, the steps took to verify, or providing me with the original contacts with wet ink signature and all disclosures forms with my wet ink signature as well. Multiple violations of the FCRA
Product: Money transfer, virtual currency, or money service

I am writing to formally Express my concerns regarding Zelle 's handling of disputes, Particularly in light of the Recent CFPB Lawsuit highlighting significant issues with The platform. Despite using Zelle numerous times and reporting discrepancies, my Financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only Neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. 
This lack of accountability and transparency Is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

In XX/XX/year>, we moved to a new home and my cell phone would not work properly nor would our internet. When the company came out, they were not able to fix the problem or increase our internet speed which I need for our business. so XXXX XXXX XXXX recommended us getting another company. so we switched companies. I was sent a envelope to send back my phone, which I did. We paid our final bill and They received it and we moved on. Then I started getting phone calls from XXXX XXXX XXXX about my service contract which had to be paid. After hours literally almost XXXX hours of calls It was escalated to the Presidents office where I was told that it was not to do with my phone bill but the contract I signed when receiving the phone. I asked for a copy multiple times and never received XXXXne. I had paid for the phone which was sent back, so I asked for a refund for the phone, which I never received. After more hours talking to the executive team, no one was willing to review the case, all they wanted was {$540.00} for remainder of this contract. If they had been able to provide the services I needed I would not have switched companies. Then the phone calls started threating me, they called every day at XXXXXXXX XXXX XXXX XXXX XXXX for over a year. This was severe harassment. I own XXXX companies and would never treat a customer the way i was treated, now they turned me over to a Collection Bureau, which is Sunrise Credit Services. I tried to call and the person who answered had a XXXX  XXXX XXXX  and I could barely understand, her name was XXXX XXXX. She told me what was owed and would not connect me to a supervisor ar send me anything. She just keep saying I XXXX  this money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent two certified letters demanding the following accounts be verified and validated or removed immediately. I have received no response or removal of all the items from Experian. I have sent these requests via certified mail and these requests were received by them. I have also waited in a timely matter for a response. I now demand that the following accounts be deleted and removed from my Experian credit report : XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX
Product: Debt collection

I contacted XXXX via letter is regards to account # XXXX, which they claim my account was charged off {$2300.00}. I requested information regarding account and received a print out of a bill. I responded with ... .This is formal notice that your claim is disputed. I contacted the company via certified mail XX/XX/2018 in regards to there claim I owe {$2300.00}. They still have not provided me sufficient proof of my signature.
Product: Checking or savings account

PNC bank instituted a change in policy with regards to maximum number of transfers from a savings account due to COVID- where they stopped charging fees to consumers for transferring more than 6 times per month from a savings account. I was not informed why this changed - and became accustomed to the added flexibility of being able to move funds freely without restriction. 

In XXXX of this year, they began reinstituting the fee collection process but did not distribute a notice to all of their customers. My savings account had 13 transfers, equating to 7 total {$3.00} fees. 

The bank refunded the fees but it is very troubling to me that the bank changes their position on fees without a proactive notification to customers. I confirmed with a bank representative that they had no indication of sending me a notice during my call which ended at XXXX.
Product: Credit reporting or other personal consumer reports

I accounted XXXX XXXX XXXX in XXXX of XXXX asking for an investigation into this debt. On my credit report, it shows that account number XXXX is in a closed status and had been charged off with a balance of {$1600.00}. I have not received a XXXX form, since this is now considered income. Even though this has been written off and now income for me, there have still been collection attempts made on behalf of this company.
Product: Vehicle loan or lease

I was denied a car loan from XXXX. My income is {$1900.00} with my XXXX  as a co-signer. But they still denied me saying I would need a 3rd co-signer which I don't know anybody. So I'm stuck between a rock and a hard place. My XXXX  checked is credit report and it is a good credit score of XXXX and I was still denied. I am being unjustly denied a car loan. I'm getting all these car loan offers for a car loan because my bankruptcy has been discharged for a year now. But they still deny me. They just get me into the dealership to embarrass me. It's because of my race white and my gender being a female and my age.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, I received notification that a collection account had been reported on my credit report. I mailed a disputes letter to the credit bureaus to validate my debt with company XXXX XXXX XXXX on XX/XX/2018. The company never responded within the 30 days allowed to responded. I have yet to receive the information as well. This is hindering me from receiving adequate living arrangements. I have no knowledge of this company or any debt owed to them. I am asking that they be removed from my credit report due to non compliance of submitting the information within a timely manner. I have not received the credit bureaus paperwork with whom they spoke with at the company or proof of debt.
Product: Debt collection

I surrender a car in XXXX due being laid off from Covid now Im being garnished and the totally is falsely inflated and its been closed and takes off my credit report but they still garnishing me through a debt collector
Product: Mortgage

In XXXX I had reached a settlement agreement with the second lien on my home, with the servicer Ditech Financial LLC in XX/XX/XXXX. At about the same time, XX/XX/XXXX Ditech filed for bankruptcy, so this may have caused the confusion, but I was unable to complete the settlement, even though it was offered in writing ( see attached ), because when I would contact Ditech, either I was told that there was no settlement in their system or that it was placed on hold. I was given the run around. Then in XXXX XXXX received a letter from Shellpoint saying that my mortgage had transferred from Ditech to Shellpoint. ( Shellpoint is the servicer for the first lien as well, on my home ). At that time, the Pandemic had just started and everything was paused. I did reach out to Shellpoint but they advised me that they could not find a second loan, not with the account number in my notice of transfer letter or my social security. The only account that they can locate is my first lien. The representative today, XX/XX/XXXX, advised me that she can not locate any second loan, and that the account number I gave her is not XXXX she has ever seen before. I spoke with XXXX XXXX at Shellpoint. I explained that the letter was from Shellpoint and noticed that the mailing address and phone number for the old & new servicer were the same ( Ditech & Shellpoint ). I also explained that I contacted XXXX XXXX XXXX & they confirmed that Shellpoint held the second mortgage on my home. Also the transfer dates are inconsistent.
Product: Vehicle loan or lease

I was hospitalized for a month in XX/XX/2019, which caused me to miss a month of work. Due to loss of income I fell behind on my auto loan. I got an email from Capital one that I could put my payment to the end of my loan, but when I called I was told my account was not eligible for this. I was also told I can not do payment arrangments due to not being able to make payment via ACH, but I told them i could put my debit card on file.