23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This complaint serves as a formal and legally binding demand for the immediate removal of fraudulent accounts associated with the unauthorized use of my Social Security number and personal information. These accounts were not opened, authorized, or consented to by me in any form and do not pertain to any legitimate financial activity I conducted. 
Legal Basis for Immediate Removal : Pursuant to 15 U.S. Code 1681c2, I am invoking my legal right to demand the permanent removal of these fraudulent accounts. Under 12 CFR Part 1022, Subpart H, credit bureaus are required to block and eliminate fraudulent data upon receiving notice of identity theft. You are required by law to remove this information within four ( 4 ) business days of receiving this letter. These are the list of Items need to be deleted ASAP XXXX XXXX XXXX XXXXXXXX {$8500.00} Date Opened : XX/XX/year> Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction.

Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this allege
Product: Checking or savings account

Hi, About a month and a half ago, my XXXX XXXX high yields savings account got frozen because of some mail that was returned back. I have a new address and it wasn't updated on my account so the mail was going to my parent 's address and the mail was returned. Therefore, XXXX XXXX has frozen my account due to mail being returned so they can prevent fraudulent actions being taken on my account. 

I called XXXX XXXX and they have instructed me to send in an invoice of a utility bill with my new address and I have done that. I have faxed it over and they still haven't responded or unfroze my account. Every time I call an operator, they are just pushing me through to the next operator. I am getting no help from Synchrony 's customer service. 

My savings account has been locked for almost two months.
Product: Bank account or service

I disputed a XXXX charge from a PNC Bank checking account. Letter dated XX/XX/2016 from PNC Bank denied the claim.
Product: Checking or savings account

I received an email my checking account balance was below a certain amount which I knew was not accurate. I logged into my Chase.com account and saw a check pending for XXXX which I did not write. I called thinking there had been fraud. The chase representative pulled up the check details it was not my name or my account number it was a system error that took the money of out of my checking account by mistake- I said great so fix your mistake we cant so they can take the money out but they cant put it back in? This is not my mistake and now I cant go grocery shopping and my bills will not clear and checks will bounce and Ill get fees over something chase did wrong. The representative sent me to a supervisor named XXXX who claimed its a 5 day process to fix their mistake and he couldnt give me my money back or do anything to help me. So at anytime chase can go into my account take my money and theres nothing I can do about it.
Product: Student loan

I was contacted by Navient by email about a payment due of XXXX on XX/XX/XXXX. The total due was XXXX plus interest ( XX/XX/XXXX ). Since that time I've been trying to find out why I suddenly owe this money. My loan was completely paid off and I received a letter of this on XX/XX/XXXX. Not one person out of the multitude I've spoken to from Navient and myeddebt.ed.gov can show me exactly why I now owe this money. I've searched the websites off both companies logged in under my account and I don't see anything to support what little information I have gotten from them. I've searched my bank records for anything to show what they are saying is why I owe. I've provided those records to them to show that they're wrong and was told I still owe. I will pay this amount if they can show that I absolutely owe this. But they have yet to do this and are still harassing me saying that I am behind. Also you can't contact the Department of Education directly to dispute. They just auto transfer you back to the debt collector.
Product: Checking or savings account

Subject : Formal Complaint - Robinhood Account Discrepancy and Mismanagement XXXX Reversal Chargeback XXXX confirmed ( Transaction ID : XXXX, XXXX : XXXX ) Robinhood Account No. RHS XXXX XXXX XXXX XXXX of the Incident : 1. I initially deposited {$3000.00} into my XXXX account. 
2. Robinhood suddenly placed a restriction on my account, preventing withdrawals. 
3. I filed a chargeback claim with XXXX for the {$3000.00}. 
4. In the interim, Robinhood lifted the account restriction, allowing me to withdraw funds. 
5. On XX/XX/XXXX, the chargeback was processed, but I immediately contacted XXXX to reverse the chargeback. 
6. On XX/XX/XXXX, I received confirmation from XXXX that the chargeback reversal was sent. ( XXXX ID : XXXX, XXXX : XXXX, Date : XX/XX/XXXX ) 7. It has been confirmed with XXXX, and by the XXXX number, that the {$3000.00} was returned to Robinhood 's bank account on XX/XX/XXXX. The XXXX number confirms receipt of the funds. 
8. Despite this confirmation, Robinhood continues to claim they have not received the funds and has maintained a - {$3000.00} deficit on my account. 
9. Robinhood has received my funds, yet they persist in keeping my account in deficit. I welcome legal action, as I will respond with a counter-suit. However, I demand that my account balance be returned to {$0.00} immediately. 
10. It is a severe issue that a large company like Robinhood can not detect a {$3000.00} account discrepancy. 
11. Despite providing all necessary information for them to locate the funds, they have failed to take appropriate action. There is a clear need for regulatory oversight of this financial institution. How can a financial firm operate while being unable to locate customer funds? 
12. Therefore, I am filing this formal report. 

Key Points : Clear confirmation from XXXX with transaction details and ARN number. 
Continued denial from Robinhood despite proof of funds being returned. 
Demand for immediate resolution and restoration of account balance. 
The fact that they can not locate these funds, after being provided the information is a very big red flag regarding this financial institutions ability to properly maintain customer accounts
Product: Credit card or prepaid card

An adverse action letter was sent on XX/XX/2023 and delivered on XX/XX/2023 stating " We are closing this account because activity on this or another account is not consistent with our expectations for account usage and violates the Capital One Customer Agreement '' The only different activity on an account was exercising the right to use the Bill of Exchange Act. There was no other change in account usage. There were no wrong usage of the account nor any violations made. The federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The closing of the three accounts were discrimination from exercising rights in good faith.
Product: Money transfer, virtual currency, or money service

Yesterday, I was trying to XXXX money from my checking account to my son in Ohio. The online banking at Chase would not allow me to do so, thinking it was a fraudulent transaction and freezing my account. After numerous unsuccessful attempts to resolve the problem over the phone, I went into the local branch, identified myself to the representative, and asked for her help. She, XXXX XXXX, tried to assist me, but after several failed attempts ; she called someone to ask for further assistance! I forgot to get the name and # of the lady she spoke with, but was assured that she would resolve the problem. We were told that it would take a half hour or slightly more for everything to process. By then, it was XXXX and I had been trying steadily to get this sent since XXXX. XXXX suggested that I go home and try again at XXXX. She said she would be available untill XXXX if I still had problems! After trying again at XXXX, failing and being locked out again, I tried to call XXXX 4xs and was unable to get through! I tried to logon to my Chase account again this XXXX. Still locked out, XXXX is off work today, XXXX said he would have someone call ( XXXX ), but nobody has called!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow-up letter, I sent a letter on XX/XX/XXXX, to remove these items : XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX  XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, NJ XXXX XXXX, XXXX ( Original creditor XXXX XXXX XXXX / ) XXXX Balance : {$1400.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX the aforementioned items are UNKNOWN to me, Ive already included this in my previous Complaint & I am including it again.,
Product: Credit card or prepaid card

So on XX/XX/XXXX a XXXX transaction was made from my card. From a company called XXXX. I called my bank when I noticed the transaction. They sent me a fraud report and told me it would take 45 days for them to investigate. American Express Serve is the bank. I waited the 45 days as they said I had to. They say I should have received an email which I did not. Stating they denied my claim and all I can do is reopen the investigation and wait an additional 45 days. According to them I made the purchase and I need to contact the company which is XXXX. I don't know this company. I have never dealt with this company. And I want my money back. But the bank refuse to help me. Instead they were rude to me. And told me either reopen the investigation or that's it. I'm upset. Because I did not make this transaction and the bank refuse to help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiries below ain't mine they are fraudulent. Please remove as soon as possible. They should not be on report. XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I hope this message reaches you in excellent condition I am writing to bring specific inconsistencies in my credit report to your attention, specifically pertaining to billing errors as outlines I 15 U.S CODE 1666 ( B ) under the billing error category : ( 4 ) The creditors failure to accurately reflect a payment made by the obligator or a credit issued to the obligor on a statement. 
( 5 ) A compilation error or similar accounting error made by the creditor on a statement It is my knowledge that the creditor failed to furnish me with a statement 21 days prior, which ought to be render any ramifications of late payments regarding the linked accounts. Am in pursuit of concrete evidence from the creditors bank records that will support the assertion I failed to make a payment, resulting in an erroneous designation as late- a sign of an invoicing error- therefore. 
I humbly request that the subsequent entries be promptly updated on my consumer report to reflect their current status as follow : paid as agreed. 
Also as you can see in the picture below there are multiple errors which is a violations all 3 creditors has to report the same thing therefore my credit need to be updated YOU HAVE A LOT OF INCONSISTENCIES
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently reviewed my credit report and found a duplicate account that does not belong to me. I have reached out to the company via letter already to have the issue investigated and delete and I have to received a response. This information is damaging my financial profile. There is another account on my credit report that does belong to me but the account has been paid off. Please help me remove this duplicate account asap so that i can fulfill my financial obligations in a timely fashion. None of the dates are adding up at. I was advised by a financial lawyer that i have a right to an accurate credit report. I have attached a copy of my letter as well as the duplicate account in question. 


Date Opened : XX/XX/2016 Account number : XXXX Account Status : Derogatory Thanks
Product: Checking or savings account

XX/XX/year>. A transaction appeared on by bank stating that {$1100.00} was withdrawn from by bank account because a check was bounce. I called the bank immediately to report fraud as I did not cash in the check nor was I aware of this transaction. XX/XX/XXXX, I went in person to ask for information such as where the check was cashed, which bank was cashed at so I could possibly get camera footage to fight against my case. They did not provide. I called multiple times to ask for updates. Did not provide any additional information until XX/XX/XXXX, I called and they said my case was close without providing any help of such or explanation. I went in person immediately same and was told that my account number and fake identification was used to cash out a fake government check. I tried to reopen my claim. Chase failed to uphold their security system bypassing a fake check and identification, allowing this to happen and is not taking responsibility towards resolving the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is one " 30 day past due '' remark on my XXXX account. It has come off and gone back on my credit reports. I want this immediately and permanently removed. I have sent copies showing credit updates showing " before '' and " after '' where it had been removed. See attached reports from XXXX  and XXXX  showing " previous '' with 30 days past due and then " current '' showing it removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX  XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, once again, would like to request the removal of the erroneous accounts and information you have been reporting on my Credit File. When I checked my credit record, I discovered a lot of billing problem. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on these accounts because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. Below is the list of the disputed accounts that you should remove immediately : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

So i sent a letter off on XX/XX/2022. To remove personal information that i dont want on my credit report. According to the Fair Credit Report Act 12 USC 1681. I have the right to Privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. 

These are clear violations of my federally protection consumer rights..
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX  XXXX DEPTEDNELNET XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud
Product: Bank account or service

Received a letter from BofA on XX/XX/XXXX, dated XX/XX/XXXX, stating that as of XX/XX/XXXX they would no longer be my servicer, and that they would cease processing any payments. Told me my new servicer is XXXX XXXX XXXX, in FLA. Contacted XXXX, and as of XX/XX/XXXX they had NO record of my account. They ( BofA ) did the same thing last year after I filed a CFPB complaint. CFPB closed that complaint, stating BofA was no longer my servicer. Two weeks later I got a letter from BofA saying that they had decided to remain my servicer. Not sure to whom to direct this complaint, as BofA changes their tune each time a complaint is filed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act.

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to Transunion and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XX/XX/1994 XXXX XXXX XXXX XXXX, CA XXXX XXXX These account have been opened fraudulently without my legal consent or permission. The credit bureaus will not remove. I have filed police reports as well. 
Please have them remove these inaccuracies immediately. 

If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and creditworthiness, and I will seek damages if they are not removed and you are unable to provide the necessary documentation. 
It is my right that under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Failure to comply with the deletion demand if you are unable to provide METRO 2 COMPLIANT DOCUMENTATION AND EVIDENCE will be met with complaint to the CFPB, the FTC and the Attorney General of the State of YOUR STATE. Additionally, if you fail to comply with my deletion demand I am prepared to and will sue your company for the maximum civil, criminal and punitive damages available by law. 

ACCOUNTS : XXXX Amount {$1400.00} Open XXXX XXXX XXXX  XXXX Amount XXXX {$900.00} XXXX XXXX  Amount {$990.00} XXXX XXXX XXXXXXXX Amount {$420.00} XXXX XXXX XXXX XXXX Amount {$670.00} XXXX XXXX  XXXX Amount {$190.00} XXXX XXXX Amount {$210.00} XXXXXXXX XXXX XXXX XXXX Amount {$1000.00} XXXXXXXX XXXX XXXX XXXX Amount {$1700.00} XXXX XXXX XXXX Amount {$560.00} XXXX XXXX XXXX Amount {$470.00}
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXXXX/XX/XXXX under the account number XXXX with a balance of {$69000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX XXXX XXXX  ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've held my XXXX XXXX card account uninterruptedly since 1982, as is evidenced on the front of my current XXXX card. I've had a continuously solid payment history with XXXX for over 38 years. My XXXX card recently changed from a XXXX XXXX  to a XXXX XXXX XXXX  card, but my length of continuous credit with XXXX XXXX remains at 38+ years. The problem is, my current credit report lists my " Length of Credit History '' as only 14 years ( that is the length of time I've held my 2nd-oldest card, a Visa through XXXX XXXX XXXX XXXX ). This erroneously-shortened length of credit history is having a negative impact on my credit score, lowering it by several dozen points. Please correct my length of credit history to reflect all my years of solid credit with XXXX XXXX. Thank you!