23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I, XXXX XXXX, purchased XXXX cryptocurrency through my Robinhood account. I started by depositing {$500.00} from my linked debit card, and then used Robinhood online marketplace to buy the coin. After buying it, I went to transfer it a cold wallet for safe storage. At this time I was notified that my account was restricted and could withdraw or move funds. I tried to reach out to Robinhood dozens of times and was unsuccessful. Initially the callback portal was available, and I was able to request one. I was never called. After that the callback portal was disabled, as was any over means of contacting any member of Robinhood staff. After about 3 days Robinhood requested documents via the automated portal. They were submitted immediately, and then Robinhood stated that the case would be reviewed within 24 hours. ( by XX/XX/XXXX ) Keep in mind all of this communication is automated notifications on the account main screen. 
XXXX hours went by, then XXXX, XXXX, etc. Each day the notification was pushed back one day. It now says XX/XX/XXXX. Still zero update on when my funds will available.
Product: Vehicle loan or lease

Westlake Financial has been asked to correct the proper information reported to the credit bureau since XX/XX/XXXX. as far as correcting the delinquent payments on my account. The account was never late. A Westlake representative asked me to hold off on making a payment because the account was being paid off on a payment between XX/XX/XXXX and XX/XX/XXXX due to my insurance company reaching out to westlake to notify them of payoff for the car after the car was declared a total loss. Westlake financial is a bully with customer and treated me as if I was a front door rug to wipe their feet on. They are a company that seems to get away with derogatory remarks to clients and unfair reporting due to retaliation for customers paying out early on their accounts. Westlake has a reputation of horror stories for dishonesty from other customers and harassment experiences. I am writing to express my dissatisfaction with Westlake 's reporting on my account, stating that it was late. This information is incorrect, and I request that you rectify this error promptly, or for the account to be deleted immediately please please please and thank you.
Product: Credit reporting or other personal consumer reports

Upon disputing a Bankruptcy showing up on my credit, Equifax responded with a letter stating that they have verified the Bankruptcy on my credit report. The data furnisher listed is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX. I have contacted this Court and they stated that they do not report any information to credit Agency, nor they have verified any information. This is a lie and an inaccurate reporting from Equifax. I demand that this Bankruptcy be Immediately Removed from my Credit Report.
Product: Credit card

Whent to the mall XXXX executive office gave me original receipt for each pillow and showing the payment information!!
Product: Vehicle loan or lease

I financed a vehicle with GM Financial. I ended up refinancing with another company, however GM Financial never provided a final statement, they just marked my account closed. It makes me wonder if any overpayment was kept by GM Financial and not sent to me. I thought that a final statement is required to show a {$0.00} balance.
Product: Mortgage

Roundpoint Mortgage has failed to refund my {$5800.00} escrow overage months after the closing on my previous mortgage. 

XX/XX/year> Closing on the property - advised shortly thereafter by Roundpoint that they would issue any escrow refunds within XXXX business days of closing. My address was updated to my current address at that time. 
XX/XX/year> Issuance of escrow analysis by Roundpoint detailing the amount owed XX/XX/year> I spoke with an agent at Roundpoint since I have not received the check in the amount they sent me. I was advised I should wait another XXXX business days because stopping payment on the original check would cause further delays. 
XX/XX/year> I spoke with an agent and they with their supervisor and the check has not been received. Roundpoint advised it would take another XXXX business days to stop-payment on the check and then they could reissue another one. I advised that was unacceptable given the significant lapse in timeline. They reconsidered and advised that, since the original check had been returned to them because of an incorrect address ( neither of which are true ), they could reissue a check by XX/XX/year> and that I should receive it in the next week. 
XX/XX/year> I received a check dated XX/XX/year> in the appropriate amount and deposited it to my bank XX/XX/year> I was advised by my bank that the check was not viable and the funds were removed from my account XX/XX/year> I contacted Roundpoint again and requested that a check be issued immediately and overnighted to me. They agreed to do so and to provide a tracking number to me via email. The direct contact I was given was XXXX. 
XX/XX/year> I have not received a tracking number or any contact from Roundpoint. I emailed the address provided and have not received a response. 

Roundpoint 's phone system is programmed to forward all closed mortgages to a recorded phone tree ( with no ability to speak to a human or seek additional assistance ). In order to seek additional assistance, I sit on their recorded line for XXXX minutes entering false authentication information and am then placed into a queue to speak to humans. This is not conducive to any issue resolution on closed mortgages.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. there is some inaccurate information reporting XXXX XXXX Account XXXX : XXXX Delete this account. 


2. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


4. there is some inaccurate information reporting XXXX XXXX XXXX Account Number : XXXX Delete this account. 


5. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Delete this account. 


6. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


7. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Delete this account. 


8. there is some inaccurate information reporting XXXX XXXX XXXX Account Number : XXXX Delete this account. 


9. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX  Account Number : XXXX Please remove it from my credit report. 


10. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Delete this account. 


11. there is some inaccurate information reporting XXXX Account XXXX : XXXX Delete this account. 


12. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


13. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


14. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


15. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Debt collection

Under the doctrine Estoppel by silence, Engelhardt v. Gravens ( MO ) XXXX XXXX XXXX, XXXX I XXXX presume that no proof of the alleged debt, nor therefore any debt, in face exists. I have contacted LVNV FUNDING on a matter that pertains to my credit. I have been a victim of fraud. I sent LVNV FUNDING a certified letter via usps to validate this account asking to send original documents and a host of other things. I have not received any of the documents I requested. I have XXXX accounts on my credit that does not belong to me. I asked LVNV FUNDING to remove the unvalidated information and nothing was done. I have the receipt that I sent the letter via XXXX certified. Removing the accounts from all three credit bureaus ( XXXX, XXXX, XXXX ) is what needs to take place there is no validation. I take pride in my credit and I have a XXXX score on my credit bureaus. This fraudulent account is ruining my credit to the extreme. A consumer can not provide signed documentation for an fraudulent account that they never authorized but I also asked for a signed documentation bearing my signature that I agreed to pay LVNV FUNDING and the collection agencies could not provide that information. You purchased this debt from the original creditor. I am very aware how this process goes. You have no legal right in this matter. Send me the documents that I signed stating I owe LVNV FUNDING. You can not because this is not my debt nor do I owe LVNV FUNDING anything. I want this information removed IMMEDIATELY! DO NOT SEND COPIES! I NEED ORGINALS WITH MY SIGNATURE FROM LVNV FUNDING NOT WHOMEVER YOU BOUGHT THIS DEBT FROM THAT DOES NOT BELONG TO ME!
Product: Credit reporting or other personal consumer reports

I wish to highlight 15 U.S.C. 1692e ( 8 ), which prohibits the communication or threat of false credit information. If false information is communicated or if there is a failure to prove the accuracy of reported debts, it can lead to legal consequences, including fines. Entities reporting data in the Metro 2 Format must comply with relevant legal standards.
Product: Checking or savings account

On XX/XX/year> I received an email that my checking account was to be closed due to a check that I deposited suspected to be altered. The check got flagged and they did not make an effort to verify the check from the sender. On XX/XX/year> I made a call to the fraud department to see what I needed to do to resolve this issue. The representative told me that the person who wrote the check needed to call them to verify the check and provided me with a case number. I provided the call back and case number to the person who wrote the check, they called and the representative told them they couldnt provide them with information. On XX/XX/year> I again reached out to the fraud department to get an update. They said they hadnt received a call and provided me with the call back and case number once more. I again provided this information to the person who wrote the check. They called the department and were told the same thing. On XX/XX/year> I reached out to get an update and they tell me the same thing, that they hadnt received a call. They provide me with the call back number and case number. I give this information to the person who wrote me the check and the representative now tells them that we need to have a 3 way call to be able to verify the check and resolve the issue. I call the fraud department to let them know that the person who wrote the check already called and tried to verify the check. They told me that had no record of a call and to have them call back. I had to ask them multiple times if they could make the call. They finally called and were able to verify the check but they told me they will still be moving on with the closure of my account due to other reasons. The email solely listed that it was due to be closed because on an altered check. They made it almost impossible to resolve this issue. There was a lot of back and forth which was very inconvenient. I believe that the closure of my account was unethical. Wells Fargo does not value customer retention. I would understand the account closure if I was banking with the for a short period of time but Ive been banking with them for well over a decade.
Product: Checking or savings account

Hi! I usually use XXXX XXXX with my BOA debit card. After having this account for years, Ive only ordered XXXX 2-3 new bank cards when they were lost. This time I wasnt aware of this card being lost. Until I noticed an unusual transaction on my card and Ive had this bank and only this bank for the longest, and this would be the FIRST time Ive been a victim of fraud. I called & reported this and was told to open a new account and order a new card.. which I did. But now Im unable to even open an account although I was not at fault. I love this bank and never had any issues with them until NOW! I am beyond angry because I am being punished for someone elses doing and I was not aware until late notice. So now I have to start over with a NEW bank and resubmit all of my information to each and every one of my jobs I am truly saddened that they have to lose a costumer due to the lack of empathy.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following ( Equifax, XXXX, XXXX ) credit reporting agency ( CRA ) is reporting inaccurate information on the listed accounts below ; Due to their errors in reporting Im reporting these violations. The first being with the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. And the second being the FCRA, which requires all reporting to be 100 % accurate. If the information is NOT 100 % accurate it must be deleted from the agencys report. The following information listed below is inaccurate. The CRA has not taken the correct steps to evaluate the information. I need you to please evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw these accounts from my personal file. ( XXXX XXXX XXXX  XXXX XXXX XXXX Date opened XX/XX/2009 Balance {$1100.00} ).
Product: Credit reporting or other personal consumer reports

Sent dispute letters on 3 separate occasions. The first two disputes went unanswered ( sent in XXXX and XXXX ), which prompted me to send certified mail for the third and final request for removal on XX/XX/XXXX. Here is the cert mail confirmation number : # XXXX. It was delivered on XX/XX/XXXX. Explanation of item being disputed : - The report shows I currently owe {$150000.00} as of XX/XX/XXXX.. This debt is not derived from credit and is in violation of the FCRA - FACT ACT ( 2003 ).- Under Court Case - 15 U.S Code SS1681 - XXXX XXXX XXXX XXXX, TransUnion, XXXX this account is in violation and therefore needs to be completely removed. 

Transunion did not remove the account nor properly investigated this account. Because of this, they are reporting incorrection information which is a violation of the law. I am being deprived and denied of opportunities because of this inaccurate information.
Product: Debt collection

I was contacted on XX/XX/year> at XXXX by XXXX XXXX XXXX I asked them to not contact me again as I had already spoken to a representative and no longer wish to be contacted. My ex-husband received two text messages on XX/XX/year> and XX/XX/year>. These text messages were from XXXX XXXX and included my first name, my original creditor and the current creditor. The message stated that this was a debt collector. I never gave anyone permission to text my ex husband, he was not on any of my accounts. I also had already requested to not be contacted.
Product: Credit reporting

XXXX is my current lender. I filed Bankruptcy in XXXX and discharged in XXXX XXXX. My credit report is incorrect. I am trying to refinance my home and because of this inaccurate reporting I 'm unable to move forward. They have not filed any payment history and recorded my bankruptcy as XXXX XXXX. I have remained current on my payments with them since my bankruptcy discharge which reaffirms my debt. I have requested in writing, calls, faxes to have this fixed on my credit report with XXXX as well as Experian, XXXX and XXXX to no avail. I have attempted three times with all supporting documentation ( Bankruptcy Discharge dated XXXX, payment history, credit report showing inaccurate information ) and neither XXXX nor the credit bureaus are willing to help. Both point to each other that it is their responsibility to correct this on my credit report. I desperately need assistance in having XXXX be added to my credit report with the correct payment history and correct BK date of XXXX XXXX. I can provide all supporting documentation to you if needed. I appreciate your time and assistance and can be reached at XXXX. 

Kind regards, XXXX, VA XXXX
Product: Credit reporting or other personal consumer reports

I checked my credit report & I found that I had XXXX unauthorized inquries on my report, one from XXXX, one from US bank, and the last one being from XXXX XXXX, I never made nor authorized any of these inquries on my credit report.
Product: Debt collection

I received a letter from McCarthy , Burgess & Wolff, their reference number is XXXX. They are representing XXXX. I have never done business with that company. McCarthy, a debt collection company, claims that I owe XXXX I called them and told them that I did not do business with this company and that I will not pay this bill as I have never done business with XXXX. I continue to receive letters From McCarthy , Burgess & Wolff. Whom ever incurred this debt in my name is a criminal and the victim, XXXX, should file a police report in the proper jurisdiction. I am not responsible for this charge. 
Respectfully, XXXX
Product: Credit reporting

I have repeated notified Experian that they are reporting and or maintaining inaccurate information on my credit report for the following company 's and refuse to correct the information. 
1. XXXX XXXX - opened date of XX/XX/XXXX - account # XXXX. This account is reporting negative information that is more than 7 years from the initial date of delinquency of XX/XX/XXXX ( per the payment history shown on the attached report ) this information should be deleted2. XXXX XXXX XXXX XXXX opened date of XXXX this account is reporting inaccurate negative information. The payment history as listed on the attached credit report shows that in XXXX, the account was suddenly 90 days late with no prior late payment for XX/XX/XXXX or even XX/XX/XXXX. so its impossible to be sudden 90 days late. The information needs to be updated to show never late or the account deleted in its entirety. 
3. XXXX XXXX XXXX XXXX XXXX opened date of XX/XX/XXXX. account # XXXX. This account is showing 3-30day late payments for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I have notified Experian multiple times that this is inaccurate and provided canceled checks showing the payments were all made on time but they still refuse to correct or delete the information as required by law ( please see attached cancel checks ). 
4. XXXX XXXX XXXX XXXX - opened date of XX/XX/XXXX account # XXXX. This account as shown on the report attached shows closed and paid as agreed, never late but Experian is listing this as a negative account that was part of a BK. This account was closed and paid off before the bankruptcy was ever filed.. so this account should show as a positive account with no negative information or deleted all together. 
5. XXXX / XXXX XXXX - opened date XX/XX/XXXX account # XXXX with an initial delinquency date before XX/XX/XXXX and 150 days late as of XX/XX/XXXX. This account is should be deleted as its initial late payment is more than 7 years ago. 
6. University XXXX XXXX collection account with initial delinquency report date of XX/XX/XXXX should be deleted as it is 7 years old. 

XXXX XXXX XXXX - opened XX/XX/XXXX this account is 7 years past the initial delinquency date. 

I have repeated tried to contact and work with Experian but they will not investigate nor update the inaccurate information listed above
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 Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX and 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

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

The following accounts I have marked as incorrect and inaccurate and where not correctly investigated : -XXXX XXXX XXXX XXXX XXXX