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

XXXX  under Account # XXXX This account is being illegally reported on my credit report. I requested method of verification on this account. 

How is this accurate if the term duration being reported inaccurate, date opened is inaccurate, high credit amount is inaccurate, credit limit is inaccurate, last reported date is inaccurate, & the date last active & last payment date is inaccurate.

Therefore, I am now formally requesting method of verification according to the Metro 2 Compliance standards. Any automated response, or E-Oscar verification is unacceptable. 

This listed item is entirely inaccurate and incomplete and must be deleted. 

Furthermore, if at any time during your investigation the above account is verified by XXXX. I requested method of verification pursuant to the FCRA, including the name of the person with whom you spoke, who has firsthand knowledge of the account in question. 

15 U.S.C. 1681 Section 602 A. States I have the right to privacy. 15 USC 1681 ( A ) ( 4 ) 15 U.S.C. 1681 Section 604 A Section 02 : It also states a consumer reporting agency can not furnish an account without written instructions. 15 USC 1681b ( A ) ( 2 ) 15 U.S.C. 1681c. ( A ) ( 5 ) Section : It 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.

15 U.S.C. 1681i ( 5 ) ( A ) ( I ) If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation.
Product: Checking or savings account

On XX/XX/2024, I receive correspondence from Robinhood regarding my account and their decision to close them and the Investment relationship along with that same email the communicated that the remaining funds would be returned within 15 business days of that decision. Fast forward to today, five months later, I have still not received the remaining funds in the accounts, and Robinhood has been absolutely no help in finding a resolution to whatever is keeping them from sending me the money. I have asked them to contact me via phone call and have been ignored. Ive asked them to email me and have been ignored. Ive asked them to provide a solution to this problem and have been ignored.

I filed complaints with the FINRA and XXXX XXXX XXXX Bureau and neither complaint made a difference to Robinhood and they have chosen to continue to ignore my attempts to resolve this. 
Ive communicated that I have documentation to verify the validity of remaining funds in my accounts multiple times via email and have sent countless requests and emails via their application and directly to their support team via emails and have been ignored and refused assistance. Ive tried providing the documents I have for them to review and release the funds they have held without my authorization for the last five months.

Robinhood refuses to provide a way for me to submit the documents and notarized letter to verify the funds in my account. 
I have never experienced something so difficult and impossible to deal with, they ignore and refuse to answer questions or requests for a phone call. 
Its been the worst experience with a company Ive ever had. They should be put out of business. Ive suffered so much due to their negligence and willful ignorance, the financial sets backs Ive suffered along with the emotional and metal stress Ive been under due to their poor customer service and criminal negligence is insurmountable.
Product: Mortgage

The simple truth is our new mortgagor, XXXX XXXX, is trying to get an official payoff letter from our old mortgage holder Quicken Loans. They have made two previous requests one in XXXX and one in XXXX. They have not received the letter. Our refinancing with XXXXXXXX XXXX is approved all they need is the payoff letter. 
XXXX out of frustration asked us to call Quicken Loans and ask of the payoff letter. 
My wife called then on Tuesday morning, XX/XX/XXXX to request the payoff letter. 
Not 20 minutes later she got a call from a Quicken Loans sales representative asking her why we were leaving Quicken Loans and wanting us to refinance with them. She told him that we were going with another bank and ended the call. On Thursday morning XX/XX/XXXX she gets a call at XXXX from a different Quicken Loan salesman but with the questions and requests with the same response. Then around XXXX XXXX on XX/XX/XXXX I get a text on my phone from Quicken Loans saying they want me to contact them to discuss a refinancing proposal they have worked out. I have not responded. 
With the full court press going on to get us to go with Quicken Loans do you think they are issuing a payoff letter? I want these weasels to issue XXXX XXXX  a payoff letter.
Product: Money transfer, virtual currency, or money service

Used online International wire transfer at Chase Bank to send {$3900.00} on XX/XX/2022. Sent online complaint on XX/XX/XXXX that money was not received, told they would look into XXXX XXXX they replied that busy but working on it. XX/XX/XXXX, they have tried to contact, recall but receiving bank not replying. I should call the bank. I did and they stated they did not receive the funds, and I need to go back to XXXX. I contacted chase and asked them to provide proof of delivery thru XXXX XXXX. At this point, I was told if I want to talk to a person I would have to go to local bank for help as I was not a business customer, so i went to my local bank in XXXXXXXX XXXX  They filed and executive complaint and a person would get back to me. I have received XXXX call backs from this department after going back to the local bank and complaining I did not get a call back. The calls stated they were looking into it but too busy to find out or identify the problem. I again asked for proof of delivery so I could complain to receiving bank but they implied this was proprietary info and not for customer? It is XX/XX/XXXX, they have had my money since XX/XX/XXXX, it has not reached the intended account or bank ( from receiving bank ) and XXXX has provided no information on where the money is? or what I can do to recover the funds.
Product: Credit card or prepaid card

HSBC approved my balance transfer request in the amount of {$5000.00} on XX/XX/2019, from a XXXX XXXX XXXX Mastercard. My outstanding account balance, including the fee for such transfer, was {$5200.00}, as of XX/XX/2019. The funds have not been received by XXXX XXXX XXXX, and HSBC was unable to provide any evidence that funds were sent to XXXX XXXX XXXX. 

It is deceptive and misleading to charge my account on XX/XX/2019, for funds that have not been transmitted as of XX/XX/2019. To the extent that HSBC requires processing time, my balance with HSBC should be held in a pending status, rather than being charged immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Certified mailings. Phone calls and online disputes. 
From XX/XX/2022 until present. I have not received access to my free reports. Error, technical issues or dispute in process but no changes to report from paid access. 

I've called XXXX XXXX they said they no longer report inaccurate information and i have no liability with them. Yet Equifax XXXX and XXXX have all exhausted the 30days of investigation but have not deleted the inaccurate unverified accounts XXXX XXXX inaccurate information XXXXXXXX XXXX which is close to it's statue of 7 years despite inaccurate information XXXX deleted account XXXX because of discrepancies and unverified accounts but it still remains
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the unauthorized inquiries listed on my credit report, which are fraudulent in nature. Despite my multiple correspondences with your bureau and the submission of the required FTC Identity Theft Report, these inquiries remain on my credit file. As a victim of identity theft, I have taken all necessary steps to address this issue, including contacting the institutions associated with these inquiries and providing comprehensive documentation to substantiate my claims. Despite these efforts, your bureau has yet to resolve this matter satisfactorily. It is essential to note that the fraudulent nature of these inquiries has been confirmed by the respective institutions, and they have assured me that these inquiries were erroneous and should be removed. Furthermore, other credit bureaus have already acted on the FTC report and removed these unauthorized inquiries from their records. Therefore, I am perplexed and concerned by your bureau 's continued reporting of these fraudulent inquiries. This ongoing issue not only undermines the accuracy of my credit report but also causes significant distress and potential financial harm to me. 

XXXX, XXXX. XX/XX/year>XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I sent certified dispute letters to XXXX XXXX XXXX XXXX XXXX ( XXXX ) and the original creditor, XXXX XXXXXXXX, regarding medical collection accounts that have been improperly reported on my credit report. These accounts include the following : Amount : {$670.00} Date Opened : XX/XX/year> Status : Collection/Charge-off Despite my formal dispute and the accompanying documentation, these accounts remain on my credit report. This is a violation of the Fair Credit Reporting Act ( FCRA ), which requires the reporting agency and the collection agency to validate the debt and investigate disputes promptly. 

Additionally, this medical collection involves sensitive information protected under the Health Insurance Portability and Accountability Act ( HIPAA ). No authorization has been provided for the disclosure of my medical debt to third parties or the inclusion of this information in credit reports, which constitutes a breach of my protected health information rights under HIPAA. 

Furthermore, my personal information has been sold without my consent to third-party entities for the purpose of collection. This unauthorized sale of my information is illegal and has resulted in identity theft. I have filed an identity theft affidavit and dispute claims with the credit bureaus, but the collection accounts have not been removed. 

Actions Taken : On XX/XX/year>, I sent certified dispute letters to XXXX XXXX XXXX XXXX XXXX and the original creditor. 
I filed identity theft affidavits to address the misuse of my personal information. 
Despite these efforts, the collection remains on my report, and no resolution has been provided. 
Impact : These actions have caused significant harm, including damage to my credit score and the unauthorized exposure of my private medical information.
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 investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX
Product: Debt collection

I was told that if I refinanced a loan with BMG, they would consider my proor loan paid in full. After refinancing, they are continously marking the account as a charge off. After many calls and emails, it was finally updated to settled for less then owed, which is still not what was promised. It also means it had been reporting wrong for months and damaging my credit. Which is still not what was promised. I would have never refinanced if I would end up damaging my credit and owing 2 loans. That doesn't make any sense. I have called & emailed numerous times to get it updated & still haven't received a response or correct update. At this point, this is very predatory.
Product: Mortgage

XXXX I faxed my " Loss Mitigation " Paper work to the XXXX AZ office. I called the phone number on the loss mitigation papers { which was completely different than XXXX Number } later that day to see if they received it and I was redirected to XXXX XXXX She told me it looked like they got some of the papers I sent. Then quickly changed the conversation to needing a payment I explained that I was calling just to confirm that my papers were received and that my husband would be calling in with the payment information. She yelled at me and said my husband and I need to get things straight. She said you have to answer to payments and continued to scold me on how I purchased a home knowing that I could n't afford it. She put me on hold and sent me to another representatives which would n't give me any information regarding my paperwork sent. She continued to harass me for payment. I felt like I was being " BULLIED " by these XXXX Green Tree Associates!! I had to hang up because I was brought to tears and for the first time I felt hopeless. I was scared that this new provider was out to take my home. We just recently got sold to Green Tree. Our last mortgage company was XXXX XXXX XXXX. Green Tree has no soul.. I 've never been subject to such brutal tactics. XXXX I called the loss mitigation number and XXXX XXXX Answered and again she would n't tell me what was missing from my submission of paperwork before she told me I had to make a payment. I told her she was wrong for treating me this way and that I 'm trying to get help so I could make my payments on time. She told me that she was sending me to her manager. XXXX is her name and she was completely understanding and told me what was missing and listened to my concerns and lastly before we hung up she reminded me of payment and I was cooperatives with confirming a confirmation on calling on Monday to schedule a date for payment. I know they are changing to XXXX in the coming months. I hope that they clean out the Rude and unprofessional associates XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX was verified without any proof other credit bureaus saw that it was not mine and deleted it from credit report. I have never done business with this collection company or the company they represent XXXX was verified with no proof. Other credit bureau deleted it from credit report. 

These are violation of the fair debt collection act.
Product: Credit reporting or other personal consumer reports

I am filing this complaint to dispute a late payment reported by COMENITYCAP/ALPHCOS on my credit card account XXXX. Under 15 U.S.C.1666 B, creditors are prohibited from treating a payment on a credit card account as late for any purpose under an open-end consumer credit plan if specific conditions are not met. The reported late payment violates this provision In accordance with the fair credit Reporting act XXXX Account XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts don't belong to me they are fraud accounts. I have listed these accounts in my FTC report. I demand these accounts be removed from my credit report and blocked from any future reporting. I have attached the following information for your review. I have been a victim of identity theft, my information was found on the dark web as well as XXXX and XXXX were exposed. I demand the blockage of these accounts. I am in the middle of purchasing a home and these items are affecting my closing. Failure to not comply with my demands will sue for defamation of character, and violation of my rights to privacy. I will pursue this in small claims court if my demands are not met. Federal law requires all information to report accurately if not removal is needed. 




XXXX. Provide a complete log regarding dates and times you attempted to contact me. If this alleged account was established by another party, then please detail your relationship- i.e., whether you are reporting this information as an assignment or whether you have purchased an alleged account outright. Also provide the account details for at least a year leading to this action, as well as any collection fees or interest and, if you are a third-party collector, your license or bond to collect in my state so that I may confirm your identity. Should you be unable or unwilling to answer, then you should respect my consumer and privacy rights and remove the damaging trade line from my credit reports immediately. 
I demand that you show me a copy of the items listed in this letter as well as those stated below if you can not produce these items, you must delete them. 

XXXX. XXXX. Validation of the debt-that is, the actual accounting. 
XXXX. 
XXXX. Verification of signed Invoice. 
XXXX. A copy of the Contract binding both parties ( you and them ), in a letter by certified mail so that there is an independent witness to it having been delivered. 
XXXX. Please provide the original do curse and wet signature if you can't provide these items Delete them.
Product: Credit card or prepaid card

I applied with Comenity through XXXX XXXX to for a credit card. There was a promo offer that offered up to 15 % off of your purchase or {$50.00}, the lesser. I was buying a product that was about {$550.00} and it made sense to take the hard inquiry The terms clearly showed the rewards benefit of the general purpose visa offer or the private label in store only card. I selected the XXXX option, as the rewards outside of XXXX XXXX along with the instore benefit of the purchase seemed a good exchange for the hard inquiry on my bureau. 

I went through the origination process, and was granted the in store private label card, not visa general purpose visa, a credit limit of {$1000.00}, and the higher rate in the risk based pricing schema ( two price points, XXXX and XXXX ). I was not given the visa, nor was I presented with the reason codes for not getting the visa or the highest rate ( risk based pricing notification ). 

My credit profile as of the time of application was clearly Super Prime : FICO XXXX XXXX XXXX XXXX XXXX Income ( self reported XXXX per year ) DTI ( including housing ) = 11 % ( my mortgage is my only debt and it is approximately 1360/mo ) I attempted to contact Comenity several times to get clarity on the matter and was not successful getting to the correct party and was regularly disconnected. I will write a letter to their dispute and complaint office now, reference this complaint and email them as well. This is ludicrous and if my profile is not worthy of the lowest rate highest limit product they offer, they are advertising a product that fewer than 1 % of American 's will qualify for. A true bait and switch concern. 

Please see attached for credit history images for both XXXX ( from XXXX XXXX and FICO XXXX from XXXX XXXX to substantiate my concerns.
Product: Mortgage

The representative at the Call Center identified as " XXXX '' not willing to give any other information. I asked to speak with his supervisor XXXX, he advised XXXXXXXX XXXX  id is XXXX. 

I am in the process of changing my banks locally, I had a returned XXXX in XXXX XX/XX/XXXX, I made the payment from a different bank XXXX XXXX on XXXX was on vacation thru XXXX of XXXX and never got a chance to change the banking information, again not late my payment will be made on XX/XX/XXXX using XXXX XXXX. 

XXXX advised I will no longer be allowed to use XXXX - forcing me to us wires, money orders, and cashier 's checks. I advised these will all cost additional money and time - also why wasn't I notified of this restriction after the XXXX infraction. They communicated on the XXXX infraction applying the mandatory restrictions. 

This does not allow for proper notice!
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a police report with XXXX Police Department in Texas with the Report # being XXXX on a case of identity theft with Discover Fin SVCS LLC under account # XXXX across all three credit bureaus. I had a fraudulent credit card opened in my name which I regret doing I paid this account off after numerous attempts to collect debt from me from discover Fin SVCS LLC. My information was exposed in a data breach on the dark web and with me being young at the time I didn't know that I could dispute identity theft and I thought that I had to pay this credit card even though I had my identity stolen and I had no idea about disputes. Discover had also told me that if I paid this account this account would be put behind me and be removed from my credit report and would no longer hurt me. For the past 6 months this representative and discover lied to me. I am still being affected by this fraudulent credit card that was opened in my name as this account has 6 late payments and still isn't removed from all 3 of my credit bureaus. I sent in the police report along with FTC reports to all 3 bureaus with no avail. I need the CFPB help with this situation as I have no where else to turn to.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> 5 inquiries on my report that I have no knowledge of XXXX XXXX XXXX I never had a account with the debitor thats claiming I lived in that apartment
Product: Credit reporting or other personal consumer reports

Dispute Letter for Unauthorized Inquiries XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX, IA XXXX Subject : Dispute of Unauthorized Credit Inquiries Dear CFPB, I am disputing unauthorized inquiries on my credit report. Below are the details of the disputed inquiries : Company Name : XXXX Date of Inquiry : XX/XX/XXXX Credit Bureau : TransUnion Company Name : XXXX Date of Inquiry : XX/XX/XXXX Credit Bureau : XXXX Company Name : XXXX Date of Inquiry : XX/XX/XXXX Credit Bureau : TransUnion Company Name : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Credit Bureau : XXXX XXXX Name : XXXX Date of Inquiry : XX/XX/XXXX Credit Bureau : TransUnion Company Name : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Credit Bureau : XXXX I did not authorize these inquiries. I request that the CFPB investigate and direct the companies to provide proof of my authorization. If no such proof can be provided, I request the removal of these inquiries from my credit report. 

Thank you for your attention.