23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have been trying to get a modification and keep getting the runaround. Now I have a foreclosure sale for next month.
Product: Checking or savings account

Subject : Complaint Against Robinhood for Account Restriction and Fund Access To Whom It May Concern, I am writing to formally complain about my experience with Robinhood.com. On XX/XX/year>, my account was unexpectedly restricted and subsequently closed without any explanation. Since that date, I have been unable to access my funds, which total {$2900.00}. 

Despite my attempts to reach customer support, I have been blocked from contacting them, and my emails have gone unanswered. This situation has caused me significant distress, as I urgently need access to my funds for immediate expenses. 

I kindly request your assistance in resolving this matter and ensuring that Robinhood releases my funds to me as soon as possible. 

Thank you for your attention to this urgent issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I received a copy of my credit report with the intention of trying to improve my credit and take care of responsibilities and noticed a few accounts that need more clarity. I am not 100 % sure if they are accurate. I also read something called the Fair credit reporting Act where by law I have a right to challenge anything I am not sure is accurate. Some people are reporting things on me that dont seem accurate. 

Are you familiar with something called 15 Usc Sec 1681a? I heard that if you cant provide proof, these accounts need to be deleted immediately! Well I want these accounts deleted if they are not 100 % right and correct. So you have up to 30 days to complete this investigation, which was confirmed by a lawyer. Please investigate the following accounts and remove them if the information is not correct! 
My student loans are not consistently the same information across the 3 credit bureaus. So i am confused as to why the dates arent the same because per law, these pieces of information have to match identically with the 3 creditors. 

Also any type of credit transactions whether its finance, leases, loans, purchases have to be cash in hand. I never received any type of compensation for those loans. 
Per 15 U.S. Code 1679, these transactions were never done which is a violation. 

Also XXXX was sold to a different company and bought out and i was never sent any documentation on what I owe or moving forward
Product: Debt collection

RPM placed a derogatory comment on my credit report, regarding a disputed debt with XXXX. XXXX has recently contacted me to say they have reversed the disputed amount in question and will contact RPM to remove any derogatory comments or other items that might affect my credit. RPM should remove any negative comments regarding my credit, as promised by XXXX.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to request credit inquiries that were unauthorized to be removed from my credit report. I received a copy of my credit report and became aware of inquiries that I did not authorize. They are as follows. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Equifax had had a block on my credit report since XXXX XXXX XXXX preventing me employment, loans, and several other life altering things. I have tried to fix the issue several times with no resolution. The first time they made excuse saying for identity protection I need to send in Id and social, however I sent in those items and there were no change they lied to consumer protection and said they needed verification in which I had already my sent them verification. Im prepared to take legal action because due to this my life has been horrible since last year being unable to even get a car from a second hand car dealer because of unexplained things on my credit report. I had one lender tell me that nothing showed at all on my credit and that she has never seen that happen in her career. I feel as though my account is intentionally being manipulated to harden my life and there is nothing being done about it.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and found several items that are inaccurate. Under the Fair Credit Reporting Act ( 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ), credit reporting agencies are required to ensure maximum possible accuracy of the information they report and to promptly delete or correct any inaccurate, incomplete, or unverifiable information. 

The items I am disputing are as follows : XXXX XXXX XXXX XXXX : {$2300.00} Account # XXXX Date Opened : XX/XX/XXXX Account Status : Closed XXXX XXXXXXXX Balance : {$1900.00} Account # XXXX Date Opened : XX/XX/XXXX Account Status : Closed XXXX XXXX Balance : {$660.00} Account # XXXX Date Opened : XX/XX/XXXX Account Status : Closed XXXX  Account # XXXX Balance : {$280.00} Date Opened : XX/XX/XXXX Account Status : Closed XXXX  Account # XXXX Balance : {$1200.00} Date Opened : XX/XX/XXXX Account Status : XXXX XXXX XXXX Account # XXXX Balance : {$790.00} Date Opened : XX/XX/XXXX Account Status : XXXX XXXX XXXX Account # XXXX Balance : {$2300.00} Date Opened : XX/XX/XXXX Account Status : Open XXXX XXXX  Account # XXXX Balance : {$1600.00} Date Opened : XX/XX/XXXX Account Status : Open EXPERIAN** XXXX Account # XXXX Balance : {$0.00} XXXX Opened : XX/XX/XXXX Account Status : Closed XXXX Account # XXXX Balance : {$280.00} Date Opened : XX/XX/XXXX Account Status : Closed XXXX XXXX XXXX Account # XXXX Balance : {$1800.00} Date Opened XXXX XX/XX/XXXX Account Status : Closed XXXX XXXX Account # XXXX Balance : {$2300.00} Date Opened : XX/XX/XXXX Account Status : Closed XXXX XXXXXXXX Account # XXXX Balance : {$790.00} Date Opened : XX/XX/XXXX Account Status : Closed XXXX XXXXXXXX XXXX XXXX : {$2300.00} Account # XXXX Date Opened : XX/XX/XXXX Account XXXX : Closed XXXX  Account # XXXX Balance : {$280.00} Date Opened : XX/XX/XXXX Account Status : Closed XXXX Account # XXXX Balance : {$790.00} Date Opened : XX/XX/XXXX Account Status : Open XXXX Account # XXXX Balance : {$2300.00} Date Opened : XX/XX/XXXX Account Status : Open
Product: Credit reporting, credit repair services, or other personal consumer reports

Although this issue has cost me thousands in higher interest rates I only discovered the actual cause of the problem in XX/XX/XXXX. 
Transunion ( TU ) is treating my {$150000.00} Home Equity Loan ( HELOC ) as unsecured credit card debt instead of a loan secured by real estate. TU even mentions this in the XXXX notes explaining whats negatively impacting my score ( no real estate loans and too high revolving debt ). As such my FICO score when calculated through TUs XXXX model is OVER 100 POINTS lower than when my FICO score is calculated using a model created by XXXX ( and, I believe, XXXX ) .TU rates me a C while XXXX  has me either a B+ ( very good ) or A ( excellent ). Two weeks ago - on the same date - my TU FICO was XXXX/XXXX while my XXXX  FICO was XXXX/XXXX. ( I can only find pictures I took showing TU at XXXX on the same day XXXX was XXXX and will attempt to upload them. ) My HELOC is from XXXX XXXX. It originated on XX/XX/XXXX as a five year line of credit. On XX/XX/XXXX the loan became exclusively a 15 year repayment -mortgage like- loan in the monthly amount of {$1300.00}. 
The HELOC has always been secured by my home so I do not understand how TU is permitted to treat it as unsecured credit card debt.
Product: Debt collection

Date : XX/XX/2018 Amount : {$1900.00} I contacted the apartment complex on multiple occasions to get this debt removed from my credit reports, and I didn't get a response. The debt was paid for with my tax refund check and it hasn't been reported to my account.
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Missouri Laws Dear WAKEFIELD & ASSOCIATES, I am writing to address a clear violation regarding the unauthorized reporting of information to my credit report, as established under the Fair Credit Reporting Act ( FCRA ), including Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as relevant provisions of Missouri law related to identity theft and fraudulent credit reporting.

It has come to my attention that WAKEFIELD & ASSOCIATES has engaged in unauthorized reporting to my credit file without my explicit consent. Federal law, specifically under the FCRA, mandates that such reporting requires consumer consent, as outlined in Section 1681b ( a ) ( 2 ). The FCRA 's protections are designed to safeguard consumers from wrongful reporting that can harm their credit reputation.

In addition to federal provisions, Missouris identity theft and fraud laws, including Mo. Rev. Stat. Section 570.223, protect residents from the unauthorized use of personal identifying information. The statute clearly defines identity theft and stipulates penalties for those who use, possess, or transfer personal identifying information with the intent to defraud. Unauthorized credit reporting, without my express permission, constitutes a serious violation under both federal and state law, including Missouris protections against identity theft and fraud.

I affirm, with absolute certainty, that I have not granted consent to WAKEFIELD & ASSOCIATES to report any information to my credit report. This failure to obtain my authorization is a blatant violation of my legal rights, potentially harming my credit standing and violating the FCRA as well as Missouri state law.

I hereby demand that WAKEFIELD & ASSOCIATES immediately cease all further reporting to my credit report without my explicit consent, as mandated under FCRA Section 1681b ( a ) ( 2 ), and that they comply with Missouris statutes on identity fraud and unauthorized use of personal information. Should this matter not be resolved within 30 days, it will be considered a willful violation of federal and state laws, subjecting WAKEFIELD & ASSOCIATES to penalties for noncompliance.

This demand is not a matter for negotiation but a requirement for adherence to federal and state regulations that protect consumers like myself from unauthorized and damaging credit reporting.

I expect immediate action and full resolution of these violations. Failure to comply will leave me no choice but to pursue legal remedies as allowed under both federal and Missouri state law.

Done in good faith.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX  XXXX and would like for all listed Items to be blocked and deleted company information from TransUnion. 

Please delete the following Items XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX  {$2800.00} XXXX XXXX - XX/XX/year> XXXX XXXX - XX/XX/year> XXXX XXXX - XX/XX/year> XXXX XXXX  - XX/XX/year>
Product: Credit reporting or other personal consumer reports

I am writing to formally complain about the failure to address inaccurate information on my credit report, specifically regarding the date of last activity, date opened, and date last reported. Despite your claim that the account in question has been verified, the inaccuracies remain unchanged on my report. 

I request that this incorrect information be corrected immediately, or that the account be removed from my credit report. 

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : accounts not mine XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$130.00} Status Closed. 
XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent number emails and I called XXXX XXXX XXXX. I called on XXXX the XXXX XXXX to advised that my loan was not being reported on my credit report at all. The Loan has been active, current and paid as agreed since XX/XX/XXXX. ( FCRA ) Fair Credit Reporting Act of 1970 requires creditors to provided accurate information listed on the report report. Its really simple I'm paying on time and it is not being reported accordingly.
Product: Debt collection

This was due to an over drawn back account was on my credit report for over 4 years with the same amount owed of {$4100.00} This amount was given on Cashier ; s Check with Restrictive Endorsement that the bank agreed with by cashing the check and not returning it! After the payment the bank slapped other {$2200.00} and did not live up to the agreement of the Restrictive endorsement that they signed and cashed, When I called the Bank the bank told me to talk to the Attorneys office on this matter? The bank had the attorneys office call me I explained too two different individuals at the law firm that they already Settled the case by casing the Restrictive Endorsement the Attorneys office said OH we have to reach out to the bank? The Attorneys office emailed be Back with this  Statement? 
Thank you, sir. 



I appreciate your briefing. However, the bank disagrees with your position. We are open to settling the remainder of the claim for {$3300.00} due by XX/XX/2020. You will have to forward payment to our office, not the bank, but payable to Frost Bank. 



Respectfully yours
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am not convinced that you have suitably fulfilled the policies of the Fair Credit Reporting Act in doing your evaluation. I have to pursue my efforts to resolve this matter which required intent to my personal credit report. I am frustrated because the inaccurate item is still reported on my personal credit report. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please fix the account below : XXXX BANK XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this due to non-compliance with the ( XXXX XXXX Transunion ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Product: Checking or savings account

I HAVE A CHECKING ACCOUNT WITH US BANK, XXXX, WA. BRANCH # XXXX. I am the only signatory to this account. Nevertheless the bank added my wife, XXXX XXXX, to the account without my permission or hers. And then the bank, without my permission or hers, starting sending the statements to a XXXX address, not my own. It took me months to figure out what happened. I then contacted the bank and spoke to several individuals who would not correct the problem. I eventually spoke to XXXX XXXX, District Manager. He admitted he had no signature card from my wife but refused to correct the problem. He said my only alternative was to close the account ( and I eventually withdrew all my funds. ) On XX/XX/2023 I filed a complaint with the OCC 's customer assistance group # XXXX. I never received any correspondence from this agency other than an initial acknowledgment. I called several times and was told they had received a letter from the bank but refused to give me a copy even though OCC 's form letter to me of XX/XX/XXXX told me I should carefully review the bank 's response and respond to OCC accordingly. I requested a copy of the letter from the bank, XXXX 's assistant XXXX XXXX said she would get back to me but never did and I have not received a copy of the letter from anyone. 

Adding a signatory to the account without my permission exposed me to liability for my wife 's creditor 's who could have garnished my account if they had a judgment and captured my separate funds. This is a profound beach of the bank 's fiduciary duty to your undersigned. The bank seems to take the position that it had a right to add the signatory to the account based on my telephone inquiry asking how could I do that if I wanted. I was told she must fill out a signature card and return it to the bank -- which we decided not to do. 

But even after we told the bank to correct the error it refused. This is an unfair or deceptive act or practice and the bank should be sanctioned.
Product: Money transfer, virtual currency, or money service

I made a payment to XXXX Visa from TD bank XXXX, under social security XXXX on my checking account on XX/XX/2020 and the TD bank after many weeks refused to pay XXXX  Visa. I am now left with a late fee on the XXXX payment to XXXX XXXX and now behind on two payments. I paid {$100.00} to join XXXX XXXX as well as XXXX a year so it is a total loss for me not to have the card. 
TD bank is locked up, and their phone service is totally unavailable. I wrote them a letter and tried XXXX but they no longer communicate with the customers. My roommate just uses the ATM and no change is available anymore for laundry. I used to get quaarters there.
Product: Credit reporting, credit repair services, or other personal consumer reports

n XX/XX/2019, the President shut down the federal government for a month and a half. Because of this I couldn't maintain my mortgage because we didn't get paid 2 checks. XXXX put me on a Forbearance plan until XX/XX/2019. Those missed months will be worked into a Home Modification plan in XX/XX/2019. When XXXX came, XXXX XXXX  took over from XXXX with my account and start the process for Loss Mitigation plan. I was to maintain my $ XXXX monthly payment and try to catch up the {$8000.00} balance from the miss months. I was told that because I'm in this process of sending documents to their underwriters and maintaining my monthly payments. They wouldn't report any 30 day late payments. Well I didn't miss any payments and I just finally paid the entire balance in XX/XX/2019. They are still working on my Loss Mitigation/Home Modification package. Last week, XXXX account report a 30 days late from XXXX XXXX  on my XXXX  and XXXX and dropped my score 64 points. This should be removed based on the information I stated and was told. I'm including documentation.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX APT XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Experian XXXX XXXX Assistance XXXX XXXX XXXX XXXX XXXX, TX XXXX RE : DEMAND for IMMEDIATE DELETION of unlawfully reporting of inaccurate, incomplete, and unverifiable information in dire infraction of federal laws. 
To whom it may concern CAPABLE of making appropriate changes, Please DELETE the illegally reported items below : XXXX XXXX XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$0.00}, Payment : {$0.00}, Issue : Unverified through FCRA and Metro2 STANDARD. 
XXXX XXXX XXXX XXXX XXXX, Date : XX/XX/XXXX, Account # : -, Issue : Unverified through FCRA and Metro2 STANDARD. 
XXXX XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$0.00}, Payment : {$0.00}, Issue : UNVALIDATED THROGH FRCA AND METRO 2 COMPLIANCE XXXX  XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$0.00}, Date : {$0.00}, Issue : Unverified through FCRA and Metro2 STANDARD. 


1681i. Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general 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- ( i ) 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; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

( B ) Requirements relating to reinsertion of previously deleted material About e-OSCAR ACDVs initiated by a CRA on behalf of a consumer are routed to the appropriate Data Furnisher based on the CRA and subscriber code affiliations indicated by the DF. The ACDV is returned to the initiating CRA with updated information ( if any ) relating to the consumers credit history. If an account is modified or deleted, Carbon Copies are sent to each CRA with whom the DF has a reporting relationship.

Cushman vXXXX XXXX Credit Bureaus Must Delete Without Proof. 


XXXX XXXX