23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Companies 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 XXXXXXXX In accordance of the Federal Credit Reporting Act this creditor 's has violated my rights. 
Under 15 USC 1681 SECTION 602 state 's I have a right to privacy. and under 15 USC 1681 section 604a section 2 state 's that a consumer reporting agency can not furnish an account without my written instruction 's.

Under 15 USC 1666b state 's. A creditor may not treat a payment on a credit card under and open a consumer credit plan as late for any purpose.
Product: Money transfer, virtual currency, or money service

My Name : XXXX XXXX 

Complaint against : Company Name : Robinhood Financial LLC Company Address : XXXX XXXX XXXX, XXXX XXXX, CA XXXX, XXXX Website : robinhood.com Date of Complaint : XXXX Subject : Unjustified Account Restriction and Inability to Access Funds Complaint Details : I am filing a complaint against Robinhood Financial LLC due to an unjustified account restriction and their complete failure to provide customer support, resulting in my inability to access over {$30000.00} of my funds. 

In the last months of XXXX, I opened a brokerage account with Robinhood. As of [ Date ], my account holds approximately : {$1200.00} in a Roth IRA {$20000.00} in XXXX {$11000.00} in cash When I attempted to withdraw my Bitcoin, I inadvertently exceeded a transaction limit, which triggered an account restriction for " suspicious activity. '' This restriction has effectively frozen all of my assets held with Robinhood.

Since the restriction was placed, I have made numerous attempts to contact Robinhood customer support through various channels, including : Multiple phone calls, often waiting on hold for extended periods with no response. 
Numerous emails, none of which have received a reply. 
I managed to speak with a representative only once. During this conversation, they requested a bank account closure statement from an account that was closed four months prior and has no connection to my current Robinhood account or funding sources. Furthermore, they are also requesting a bank statement from the same account. Robinhood 's platform only allows for the upload of one document per account, making it impossible for me to provide both the requested documents. 

Because I can not contact Robinhood and can not fulfill their unreasonable document request due to their system limitations, I am unable to access any of my funds. Robinhood has effectively taken control of my money, and their lack of communication and support has left me with no recourse. They will not even allow me to withdraw my cash balance directly to my current bank account. 

This situation has caused me significant financial and emotional distress. I am requesting the CFPB to investigate Robinhood 's practices, specifically their : Unjustified account restrictions.

Lack of adequate customer support.

Unreasonable document requests.

System limitations preventing users from complying with requests.

Holding of customer funds without proper justification.

I have attached my Robinhood account summary, my bank account closure statement and last bank account statement, a screenshot of a failed cash withdraw, and my user interface, which denies me the ability to upload the documents requested. 

I request the CFPB to intervene and assist in resolving this matter so I can regain access to my funds. 

Desired Resolution : Restitution of fees incurred in the withdrawal process Immediate removal of the account restriction.

Release of all my funds held by Robinhood.

An investigation into Robinhood 's customer support practices. 

Thank you, XXXX XXXX
Product: Money transfer, virtual currency, or money service

On Tuesday, XX/XX/2023, I received money on my PayPal ( PayPal Holdings, Inc. ) account for goods and services sub-totaling {$130.00}. After PayPal deducted an automatic fee of {$3.00}, the total that was received in my account was {$120.00}. 

Problem is, I was not the intended recipient, and I am given no option to review transactions before funds are deposited into my account. Per PayPal 's refund policy : " If you receive a payment for selling goods or services that is later refunded or invalidated for any reason, you are responsible for the full amount of the payment sent to you plus any fees ( including any applicable chargeback fee or Dispute fee ). Whenever a transaction is refunded or otherwise reversed, PayPal will refund or reverse the transaction from your PayPal account. '' Now, not only do I have to issue the refund for a transaction I have nothing to do with, but by policy, PayPal has placed the onus on me to pay out-of-pocket the {$3.00} that they automatically deducted. 

I was only finally able to get this resolved by calling their customer service line, where the fee was reversed and the full refund issued at no cost to me. There were no in-app options to pursue.
Product: Money transfer, virtual currency, or money service

I am Filling a complaint against cash app ( Block , Inc. ) Due to the inadequate customer service and unfair practices, with violate the consumer Financial protection act ( CFPA ). Specifically cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic funds transfer act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Prepaid card

After completing a round of interviews at the firm, XXXX, I received a {$360.00} American Express prepaid electronic gift card as reimbursement for travel-related expenses. Although the card says it is active and I have added it to my XXXX wallet, I am unable to use the card at any vendor ( cash payment apps like XXXX or at stores like XXXX ). Each time I try to use the card, {$0.00} gets deducted from the balance, despite the fact that I can not actually use the {$360.00} balance on the card. I would prefer a check instead of the card, as the card seems unusable.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital one credit wise is not revealing the correct information they claim that my oldest account ( which is with them ) is closed. They claim that the information listed on the report was reported by XXXX XXXX. But when I contacted XXXX XXXX this is what they had to say : You can contact them directly and let them know that you verified with XXXX but your Capital One account is not even closed, so they can check for you. Capital ONE says Im require to write a letter and physically mail it to get the information updated. Meanwhile their process of lowering my credit score is affecting how much I pay for things and Im attempting to refinance my home. I find this negligent and incomparable to the consumers. Im tired of fighting for my credit.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ).

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion.

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors.

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion. 

I am also placing a FTC reference number- XXXX XXXX  so that you can verify the inaccuracy of fraud that is placed on my credit report. 

Now based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation. 

Enclosed are copies of documents supporting my claim for your review. 

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.
Product: Debt collection

I previously disputed a tradeline held by the collection agency XXXX XXXX XXXX for the creditor XXXX  in the amount of {$300.00} on my XXXX report on XX/XX/XXXX. On or around XX/XX/XXXX the results were completed and the tradeline was properly removed as inaccurate credit reporting. On XX/XX/XXXX, the XXXX account was transferred to Waypoint Resource Group who reported the same XXXX XXXX XXXX collection account for {$300.00} on my XXXX report, which I disputed. However, XXXX refused to remove the same tradeline after the dispute was completed on XX/XX/XXXX. On XX/XX/XXXX, I disputed this matter with Waypoint and provided them with a copy of an email in which XXXX states that I am " not responsible for any early termination fees and [ my ] account has been zeroed out. '' XXXX has refused to disclose what they claim this debt is for. Pursuant to 15 U.S.C. 1681i of the FCRA, XXXX, Waypoint, and XXXX are required to immediately remove the negative tradeline or face civil liability for willful noncompliance.
Product: Money transfer, virtual currency, or money service

My Coinbase base account was compromised. I am unable to login to my account. However, someone who was able to withdraw all my monies from my bank account. I called my bank account and had to close the account that was linked to Coinbase and open a new one.

I wrote Coinbase about the complaint, but have not received a phone call or anything that could resolve my issues. I have over {$4000.00} in asset in my Coinbase account.
Product: Credit reporting, credit repair services, or other personal consumer reports

AN ENORMOUS AMOUNT OF PROBLEMS seems - to have started when something went wrong with XXXX account at XXXX XXXX! 

It was a Checking Accnt. I was using that account to make automatic payments to a lot of Credit Card Companies. 


When something went wrong with that checking account at XXXX XXXX- it caused things to go wrong with payments to Credit Card Companies! 


Then - that caused Credit Card Companies to start sending false info to my files at Credit Bureaus! 

Then - that caused those Credit Bureaus to send false info about me to a lot more Companies! 

Maybe all over XXXX XXXX? 

How many Companies??? 

Strange thing- if something goes wrong with XXXX account - if it is a checking account- it can spread a lot of problems to a lot of companies! 

I will file a more detailed complaint when I have more time & more energy! 

When I have better health!
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union Credit Reporting and a Background Data Solutions company under its umbrella that is reporting totally different, inaccurate and extremely harmful information that has on multiple occasions caused me to be denied housing. 

There incorrect reporting of closed, dismissed and even fraudulent information has cost over {$500.00} in denied apartment application fees as well as the inability to be approved for housing anywhere. 

They are reports totally different credit scores to different rental history report companies. They have within the last two weeks reported the false information to XXXX XXXX and I was denied XXXX XXXX XXXX and even AFTER disputing it and successfully having it removed, they still reported the information to another rental background company names XXXX  and got me denied again. The score was over 75 points lower than the score provided in the credit report that I received and no where does it say which score or what accounts where in the report. 

Trans Union is actually reporting totally different information in customers credit files and it doesn't even match addresses or correct SSN of the files. They have cause me alot of mental anguish and embarrassment by reporting this false information and taking part in denying me my right to fair housing!
Product: Credit reporting, credit repair services, or other personal consumer reports

i paid off the account and was told it would be removed and its still showing on my report as negative
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 , 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 an 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 called Mohela XX/XX/XXXX anfd was on the phone with them for almost XXXX hours. I informed them that my student loan balance is showing duplicated on my credit report. They informed me that this is a known issue and that they submitted a ticket however, they would not provide me with a letter verifying that a ticket was submitted. It has been over a month and the issue is still not resolved. I am in the process of purchasing a home but I have been denied due to the errors being made by Mohela 's faulty system. I am being penalized and denied the opportunity to provide a better living situation for myself and my family. I have called on XXXX separate occasions and am being told the same thing, a ticket was submitted. I need this resolved immediately. XXXX is refusing to remove the information as they are receiving it from Mohela.
Product: Credit reporting or other personal consumer reports

Per 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information I am opting out of my information being reported to a nonaffiliated third party. Per 15 U.S. Code 6802 " the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; '' I was never given or notified of an option to opt out before the time any information ( payment history, account balance, late payments ) was reported to the credit bureaus ( nonaffiliated third party ). As you may know everytime my account information was sharing to a nonaffiliated party without giving me prior notice or option to opt out is {$1000.00} per violation. The debt was sold to a 3rd pary and is now charged off. When a debt has been charged off it is now considereed a certifiacte of indebtness which is considered income and income can not be reported to credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance : {$420.00} XXXX XXXX XXXX XXXX : {$550.00} XXXX XXXX XXXX Balance : {$420.00} XXXX XXXX XXXX  Balance : {$420.00} XXXX XXXX XXXX  Balance : {$5300.00}
Product: Checking or savings account

My employer directs deposit my check every other week and I was supposed to be paid on XX/XX/year> and the funds were not available. I called that day and spoke to customer service and they couldnt give me any information about when it would be available. I have automatic payments that are withdrawn on my payday and because of them Im not able to pay anyone. I called again and after waiting for over a hour I was finally able to speak to someone on XX/XX/year>, at XXXX XXXX. I was told a third party that they work with is the one with the issue which is concerning that my information is with a different company that I was unaware of. This is affecting me not having my paycheck and this has never happened before and the representative said that she has never seen this happen before. This is alarming and Capital One needs to be held accountable for making working people suffer. Its a holiday weekend and I dont know when my funds will be available and neither does Capital One
Product: Credit reporting or other personal consumer reports

According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 
They stated my account were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. 
And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Date : XX/XX/2020 Actions : Was trying to connect my bank to donate directly to a non-profit and I was informed PNC made changes that prevents me from being able to link my account through XXXX XXXX  to the organization.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to formally file a complaint regarding inaccurate and inconsistent reporting by the major credit reporting agenciesTXXXX XXXX and XXXXconcerning my Macys/American Express account

. Specifically : XXXX  and XXXX  are reporting the account as closed.

XXXX, on the other hand, is reporting the account as 120 days late.


This discrepancy is not only confusing and misleading, but it also constitutes a violation of the Fair Credit Reporting Act ( FCRA ), which requires that information furnished to consumer reporting agencies be accurate and consistent across all bureaus. I did not authorize nor was I made aware of any activity that would warrant this derogatory and inconsistent reporting. The conflicting information is damaging my creditworthiness and financial standing. I am requesting that this matter be fully investigated and that the inaccurate derogatory reporting be removed from my credit reports with all three bureaus immediately. Please let me know what additional information or documentation is required to move this forward. Thank you for your assistance in this matter.
Product: Credit reporting or other personal consumer reports

I was not present at the dealership for the purchase of this vehicle. My information was given to the dealership by my brother who is an addict. I did not agree to be the main signer on this account, nor was I given any information on this matter. 
Exeter Finance never sent any letters stating the account wasn't being taken care of, only a phone called years after when the account was closed with a letter for payoff. I was not notified of a payment being deferred either. 

Exeter has now claimed the account has just closed on my credit report. Which I haven't been in contact with them in years.
Product: Credit reporting, credit repair services, or other personal consumer reports

It should not cost to freeze and unfreeze credit. With the recent breach, freezing all three should be free. Even giving one free freeze/ unfreeze a year would be good.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit card balance is {$0.00} on my XXXX XXXX Card and all three bureaus keep showing it as {$10.00} over the limit. Then they won't let me dispute the balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I hope this letter finds you well. I am writing to file a formal complaint regarding a significant issue with the reporting of my credit information on my XXXX credit report. I have encountered numerous challenges in attempting to rectify this matter with the involved parties, and I am seeking your assistance in resolving it. 

The issue at hand involves multiple inaccuracies related to my Affirm loans on my XXXX credit report. Specifically, I have observed the following discrepancies : Incorrect Number of Charged-Off Loans : I am aware of six Affirm loans that were charged off. However, my XXXX credit report displays a total of seven charged-off Affirm loans, which is an inaccurate representation of my credit history. 

Multiple Collections Companies Reporting the Same Debt : After the charge-off, my Affirm loans were reportedly sold or transferred to three different collections agencies, namely XXXX XXXX, XXXX, and XXXX XXXX. Despite this, Affirm continues to " own '' these charged-off accounts on my credit report. Consequently, the collections agencies have been unable to update the credit bureau themselves, as they " do not own the debt, but only report to Affirm. '' Paid-off Loans Not Updated : Four out of the six Affirm loans were paid in full or settled between XX/XX/XXXX and XX/XX/2023. However, my XXXX credit report still reflects these loans as " charged off and unpaid, '' which is misleading and inaccurately represents my credit standing. 

Unresponsive and Uncooperative Affirm Customer Service : I have attempted to address these issues by reaching out to Affirm through email and phone calls. Unfortunately, I was met with unhelpful responses, stating that the information on my credit report is " accurate, '' despite the evident inaccuracies. 

Dispute with XXXX Unsuccessful : In my efforts to resolve this matter, I disputed the accuracy of the negative accounts with XXXX. Regrettably, they asserted that the information provided by Affirm was accurate and thus could not be removed. 

I firmly believe that these inaccuracies have significantly impacted my creditworthiness and financial standing. As a responsible consumer, I have taken appropriate measures to address my financial obligations, yet the misreporting persists, hindering my ability to access credit and financial opportunities. 

I am hopeful that your intervention will result in a prompt resolution of this matter and restore the accuracy of my credit history. I am prepared to provide any additional documentation or information necessary to facilitate the investigation. 

Thank you for your attention to this complaint. I eagerly await your response and cooperation in resolving this pressing issue.