23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Robinhood has restricted my entire spending account and shut off my debit card completely for no reason. I tried chatting with multiple representatives who immediately closed the chats after I mentioned my issue and Ive been unable to access support at all. When I call them on the phone, Im unable to reach the restrictions department and no one else can get in contact with them either. I keep getting referred to this team via email, but theres no direct contact, so Ive been waiting for an update with my account locked.

I then received an email update from representative XXXX who informed me that my brokerage account is the one under review and Im unable to trade stocks, even though the official email says its my spending account and debit card. The email ended with XXXX stating the case would be forwarded to the relevant team, which does not give me any more information or a resolution. 

I recently filed a dispute on a debit card charge, and now XXXXobinhood is restricting my entire account just two days later. It seems as if Robinhood is trying to avoid adding a provisional credit to my account ( which they are required to do under Regulation E ), or they want to prevent me from accessing and using the funds when they are applied.

These are extremely shady business practices on Robinhoods end. Ive been a customer for several years and not one person has been able to tell me the real reason for this restriction or how it can be rectified. I need this resolved ASAP with confirmation my dispute is still in progress on the timeline required by Regulation E.
Product: Checking or savings account

The amount was {$700.00} that i had to repay my account was from XXXX to XXXX
Product: Debt collection

I filed a previous complain with consumer financial regarding Gateway One Lending and Finance, case number XXXX. Gateway One has sent representatives to MY HOME, contacted my sister ( as stated in my previous complaint ), however, now they have reached out to my best friend, informing her of my debt. In the company 's response to Consumer financial they insisted they would no longer contact family members, friends, or make harassing phone calls to me. They have not honored that agreement. The company has called me at least 10x '' s per day ( which I can prove with voice messages ). My husband has reached out to a representative named XXXX @ ext. XXXX informing him a payment would be made to satisfy the outstanding balance on XXXX XXXX, 2016 once we are in receipt of my husband 's monies withdrawn from his 401k. In addition to coming to my home and disclosing my personal information without my consent to my sister and friend, the company continues to make harassing phone calls, and came to my phone. I have had a car loan before and never have I experienced such harassing and aggressive action by a lender. Gateway one has also gone into my bank account without my consent or authorization, I was told representatives can hear me give consent for the lender to access my account for payment when a payment was made 2 days prior ( paid my XXXX and called representatives the same day to provide confirmation number ) to them attempting to withdraw monies. I have asked repeatedly to hear this recording, however I was told I needed to obtain a court order. I will have to take legal action if these issues are not resolved, this does not feel by their words or interactions with me, to be a legitimate lender as they often convey themselves in such an inappropriate, aggressive manner.
Product: Credit reporting or other personal consumer reports

I have a very low credit card debt. I primarily use a XXXX 's XXXX XXXX for Credit card with a {$10000.00} credit limit for my monthly purchases. I ALWAYS pay the full balance every month ahead of the due date, ALWAYS. Last month, XX/XX/XXXX, I made some XXXX purchases and booked a trip for our daughters wedding on XX/XX/XXXX. My bill reached a whopping {$2100.00} for XXXX presents, airline flights a rental car and some hotel stays over the XXXX holiday. I paid the full balance on XX/XX/XXXX. On XX/XX/XXXX I received an email alert from Experian saying that because of my balance they lowered my exceptional FICO score by XXXX points!!! I was appalled at this action especially based on my credit history and spotless record of paying my debts. So, my complaint comes from the inability to talk with a person at this company. These companies who can deeply impact a persons financial health and future purchases should never be allowed to have no customer service representatives to answer a call from someone who has no choice whether they publish their credit rating. If I hired Experian to represent me in credit situations, I would FIRE them instantly for having no customer service.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit report there is a credit card from chase bank credit card I am currently living in XXXX and have not lived in the United States for 12 years. This is fraudulent activity on my credit report. I need to have it removed to keep my credit in good standing. If you look at my credit report you will see theres been no activity in the United States for the past 12 years. I can provide you with proof of identity and residence in XXXX.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date XX/XX/2023. Since then the account has repeatly been updated as charge off every month. This is an update in the payment history. A charge off account should NOT include an active payment history. This inaccurate information falsely manipulates the statue of limitations. You failed to investigate this account properly and your neglect has violated my rights.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that XXXX will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : Account Name- XXXX XXXX Account Number:XXXX
Product: Checking or savings account

Someone took {$620.00} fraudulently from my account have tried to call the bank they have closed my dispute two different times that I've had to reopen they say there's no fraudulent activity detected but all of the transactions were in Texas I live in Utah they were done while I was at work and I've called the bank several different times have been fighting with them all weekend about it and they say there's no fraudulent activity detected I've had to have them reopen the disputes twice now because they keep closing them and denying my money
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX continues to report a debt that is not mine. Due to this fact XXXX has stated that they will no longer attempt to collect on the alleged {$550.00} debt. However they have not removed it from my credit report. I never authorized this account. This is not my debt and in accordance with the FCRA this should not remain on my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to express my concern and disappointment regarding the handling of the 2nd attempt to correct late open accounts during [ Specify the Process/Action ]. It is essential to address this matter promptly and effectively to ensure fairness and transparency in the process.

[ Describe the instances of late open accounts during the 2nd attempt, their impact on participants, and any evidence or documentation supporting your claim. Emphasize the importance of punctuality and adherence to timelines in maintaining the integrity of the process. ] Despite assurances and a previous attempt to rectify the issue of late open accounts, I regret to inform you that the problem persisted. This recurring issue not only disrupts the proceedings but also undermines the confidence and trust of participants in the integrity of the process. 

It is essential to demonstrate a commitment to accountability and transparency in resolving this issue and restoring confidence among all stakeholders. 

Furthermore, I request transparent communication regarding the steps taken to address this matter and ensure the timely opening of future rounds. Timely and clear communication is crucial in rebuilding trust and confidence among participants. Failure to do so not only compromises the integrity of the process but also undermines the trust and confidence of stakeholders. With this, I am asking for your assistance to correct these accounts in my credit file : XXXX XXXX Balance : {$3400.00} ; XXXX XXXXXXXX Balance : {$1500.00} ; XXXX XXXX XXXXXXXX Balance : {$450.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is reporting inaccuracies on my consumer report. I have tired to resolve this issue with the company mentioned in this complaint. They are continuing to report inaccurate information on the fallowing account. I recently sent you a request to investigate the information previously disputed on my consumer report on XX/XX/2022 your company has not fixed issue. It is still reporting inaccuracies on my consumer report. Please investigate these accounts and send me an updated report with these changes. As these companies are in direct violation and is subject to 15 U.S. Code 1681i ( a ) and 15 U.S. Code 1681i 5 ( a ) ( i ). Your company is also reporting a chargeoff/collection acccount, I have not recived a 1099c form this company please provide me with one do not update this account delete immediately! 

ACCOUNT NAME : WXXXX ACCOUNT # : XXXX ACCOUNT NAME : XXXX ACCOUNT # : XXXX ACCOUNT NAME : XXXX ACCOUNT # : XXXX ACCOUNT NAME : XXXX ACCOUNT # XXXX ACCOUNT NAME : XXXX ACCOUNT # : XXXX
Product: Credit reporting or other personal consumer reports

Payment history on XXXX XXXX XXXX is incorrect. It is stating written off in XX/XX/2018 ; however, there's no previous payment history. This is an attempt to keep the card on the credit report in a negative manner longer than XXXX years.
Product: Credit card or prepaid card

Capital One  is inaccurately reporting a charge off record on my report. They continue to say that I owe them {$2700.00} but I have never had an account with them in the past.     Their records should show how many times I have called to address this issue. I am filing this complaint with the CFPB because this is not my debt and it needs to be deleted from my report as soon as possible.     My father and grandfather both share my same name so it 's possible it  may be one of their accounts.  I am   XXXX   XXXX   XXXX   XXXX  . I no longer have any contact with them so it 's very hard for me to verify if they ever opened an account with this bank. My report shows this account it was opened in   XXXX   so that means I would have been in high school when I applied for this credit card. This does not make any sense.     The account number according to my report is : "   XXXX   ''.
Product: Payday loan, title loan, personal loan, or advance loan

12 CFR 1002.7 A creditor shall not refuse to allow an applicant 's to open or maintain an account in a birth-giving first name and surname.

Your in Truth And Lending I'm trying to oversee how much equity have included in this account. Are you telling me I entered a contract without equity every contract post to be equally for both parties. As I'm XXXX and have the capacity to contact. 12 U.S.CODE 1431 I gave you security with interest and I received nothing
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act ; XXXX, XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States that i have the right to privacy.

15 U.S.C 1681 Section 1604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a bunch of inquiries I've never authorized. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX 2. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX 3. XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX 5. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX 6. XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX 7. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX 8. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX 9. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX All of these are on XXXX, Equifax, and XXXX and I didn't authorize them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Transunion credit bureau to validate these accounts ( A ), as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. TransUnion 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 items of information contained in a my file at TransUnion 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 items 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. It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and delete : XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$460.00}
Product: Debt collection

I had my credit drop 43 point for an account put on my report I did not owe. I disputed this amount and it was removed from my report but the next day the same company First Federal Collections called saying they were going to destroy my credit even more if I did not pay them {$140.00} when I asked for a detailed list of the charges they all of a sudden were not able to produce it and when I threatened legal action they said they would remove the debt. When I contacted who they said the debt was from I was told my account was payed and nothing owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 XXXXXXXX In Accordance with the Fair Credit Reporting Act XXXX  Accounts 1-10, 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 a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX {$210.00} XXXX XXXX XXXX {$770.00} There are no valid claims ... accounts were settled with original creditors and has been confirmed, grave errorsfalse claims and reportingI want these accounts removed immediately or litigation may follow. Debts can not be reported incorrectlythis is unlawfulDebts can not be collected twice Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature.

As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting.

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation
Product: Credit reporting or other personal consumer reports

I reached out to Experian numerous times over the last 6 months and have sent in my Identification and proof address and i still cant access my Experian reports. I have also called them to see why i cant access my reports and they are very rude and then i get hung up on. Also i have asked to speak to a supervisor and still nothing. Without being able to access my Experian credit report i cant purchase a car or start the process to buy my first home. If i cant buy a car i cant get to work. This is holding me up and costing me money.
Product: Debt collection

I have written to XXXX XXXX, XXXX, and XXXX on several occasions disputing inconsistencies regarding wrong name variations, addresses, social security numbers, phone numbers and erroneous accounts. The credit bureaus continue to state that they have verified the debt and items have been deleted/removed. Let this be a formal complaint against XXXX and XXXX. The following accounts are the items the credit bureau has refused to investigate, delete, and remove : NATIONAL CREDIT ADJUSTERS , LLC : XXXX AND # XXXX ; XXXX XXXX XXXX # XXXX ; XXXX XXXX XXXX # XXXX. In addition, XXXX is reporting XXXX XXXX XXXXXXXX XXXX # XXXX and XXXX XXXX # XXXX AND XXXX AND XXXX are not reporting the same account information. Why is all the provided data different on each credit report? According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit record within 30 days. During the investigation period, the items I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. The Fair Debt Collection Act/ ( O.R.C. 2305.07 ) and ( O.R.C. 1303.16 ( B ) Ohio Debt Collection Statutes of Limitation. If the account can not be verified, your company must delete the account from my credit report. Please be reminded it is your duty to ensure that all information reported is consistent and most importantly, accurate and you have failed to do so per the Fair Credit Reporting Act
Product: Debt collection

XXXX XXXX XXXX this is on my credit report for XXXX this is not my account reporting on XX/XX/2023 Hunter Warfield inc this is not on my credit report for XXXX this is not my account reporting XX/XX/2023
Product: Vehicle loan or lease

I told Bank of America that I must have a lower monthly payment because of reverses in the stock market and because I have limited means from my Social Security funds! The bank cruelly refuses to help me out a citizen of advancing years with serious medical problems! The bank is being brutal! 

I have dutifully paid each and every monthly car loan payment of {$770.00} ON TIME!
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX : # XXXX XXXXXXXX Balance {$35000.00} XXXX looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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.

and according to 15 USC 1681s-2 they are suppose to 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

This morning, I was stunned to see inaccurate accounts appear on my credit report, and I have no explanation for why this happened. I check my credit report routinely, but this time, the discrepancies were completely unexpected. I even tried refreshing my browser, thinking it might just be a temporary error, but the inaccuracies persisted. Im asking for a thorough review of the documents Ive sent so that I can stop worrying about this once and for all.