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

I had several charges for goods on my debit card issued by Robinhood that were not received. The merchant revoked the goods permanently and totally without cause. I had attempted to report goods not received to Robinhood through their app, as their FAQ and website instructs is the only way to issue a dispute. The app told me I can not open disputes in the app so I had to run around in circles to find out how to contact the company directly. 

Two weeks after my support ticket was sent in ( with an average response time of >24 hours reported ) I received an email stating my cases had been opened for the charges and that I should provide any additional information I have at this time. Just 2 business days later, before I had even had a chance to respond, Robinhood notified me all of my disputes had been closed in the merchants favor due to insufficient proof. They didn't even give me an opportunity to provide details from side and I'm certain they have not received anything from the merchant in such short timeframe. This appears to be a case of Robinhood blatantly ignoring the Fair Credit Billing Act in it's entirety by not actually conducting an investigation. I'd love to see any proof they have of conducting one since I'm positive no such activity transpired.
Product: Debt collection

Subject : Cease and Desist Notification Pursuant to 15 U.S.C. 1692c ( c ) Account # XXXX This letter serves as my formal notification that, under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c ( c ), I am requesting that you immediately cease all communication with me concerning the alleged debt associated with account number [ Account Number, XXXX ]. 

Please be advised that the FDCPA prohibits debt collectors from further contacting a consumer upon written request to cease communication, except to confirm receipt of the request, inform the consumer that no further action will be taken, or notify the consumer of specific legal actions that may follow. Any further attempts to contact me beyond these exceptions will be considered a violation of federal law and subject to appropriate legal action. 

This request applies to all forms of communication, including but not limited to : Phone calls ( including calls to my home, work, or mobile phone ) Written correspondence Electronic communication ( e.g., email, text messages ) Please note that failure to comply with this request may result in my filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and/or my state attorney generals office. Additionally, I reserve the right to pursue legal remedies available to me under the FDCPA and other applicable laws. 
If you believe this debt is valid and intend to take legal action, please limit your correspondence to written communication sent to the address provided above. 
Thank you for your prompt attention to this matter. I trust that you will honor this request and ensure compliance with the law. 

Sincerely, XXXX XXXX
Product: Credit reporting

XXXX Mn XXXX XXXX / Dob XX/XX/XXXX EQUIFAX CC Consumer Financial Protection Bureau I 'm exercising my rights to request verifiable proof of negitive events you have listed in my credit file The 15 U.S CODE & 1681g - Disclosure to consumer requires CRA to disclose the sources of information reguarding the negative events that are beging reported by your agency upon request of the consumer this is not a dispute account XXXX XXXX closed account account XXXX XXXX late payments closed XXXX XXXX account That has not been reported on in Years.. 
and all credit inquires that are not showing any active accounts on my credit file I expect that you will provide verifiable proof as required under the 15 U.S CODE & 1681g disclosure to consumers If you are unable to provide such proof with in the timeframe I expect these negative events to be remove from my credit file please communicate your intentions in writing. I have asked you to comply and do whats right but you fail to do so.. 
XXXX I have included you in on this Because I 'm going to take legal action if this request do n't get solved ... Also for evidence for my case Thank you XXXX XXXX
Product: Debt collection

This company has violated FCRA, The company has admittedly said that they received my FCRA 609 letter on XXXX the XXXX and they did not send out a letter until XXXX the XXXX, therefore taking more than 30 days to respond. I have never received a letter with my rights, I would like the company to look into their records and tell me what address they claim they sent the letter XX/XX/XXXX. 

They have also violated FCDPA, threaten to sue me for debt that was never validated.
Product: Debt collection

I called XXXX bank to settle a XXXX XXXX XXXX credit card debt. They couldn't find the debt as it was sold to a collection agency. So I called a firm claiming to handle the debt. I was transferred to a man named XXXX at XXXX. I offered to settle to debt. I made a offer of 30 % of what they claimed I owed. He put me on hold several times He acted like he was sick. He came back twice without any counter offer and said his supervisor told him he can't settle the debt. So I am writing to you as I want to settle the debt but I can't negotiate against myself. This was a good faith effort to settle and pay this debt. I am trying to buy my 1st home ever and I need this cleaned up in order to get the loan for the home If they won't work with me how am I suppose to move forward? I have attached the name of the companies involved in the paperwork I have been sent. Now that I have started to look for a home they are harassing me to pay this debt in full I don't fee this is fair because for the last 12 years I didn't even know this debt was hanging out there until now. I appreciate any help you can give me on this. I really want to settle the debt and move on. Thank you.
Product: Money transfer, virtual currency, or money service

Coinbase. 
I sent a request to Coinbase Support regarding a trade I made in error. 
I had no from Coinbase response for months. 
I had already accepted that it was my fault for making the trade in error and moved on. 
Months later they sent me a notification via email that the account was disabled. 
It has now been disabled for almost a month. 
I have no ability to buy/sell or have access to my funds.
Product: Credit reporting or other personal consumer reports

Transunion, XXXX, and XXXX continue to report inaccurate information on my consumer report. My name is XXXX XXXX there should be no other name variations on my consumer report if it is it is incorrect and should be deleted immediately. My address is XXXX XXXX XXXX XXXX, IL XXXX any other address is not correct and causing me not to have my mail delivered in a timely fashion due to the numerous incorrect addresses on my report. 

( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Checking or savings account

I had an account open for my business with Wells Fargo. The business was called XXXX  XXXX XXXX XXXX, XXXX. I had access to this account and online access to it to be able to check transactions. 

Somehow another account was opened for XXXX  XXXX XXXX XXXX XXXX XXXX, a checkbook was ordered, and over {$400000.00} was stolen in mostly {$9900.00} increments and some in larger increments. My employee admitted to forging my name on the checks in a deposition, and that I had not allowed her to sign them or to distribute these amounts. 

The signature does not look like mine. I don't know how the account got opened or how the checkbooks were ordered.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation into these inaccuracies and the subsequent removal of the inaccurate accounts. I have attached supporting documentation, including identification documentation, to verify my claims and request a thorough investigation into this matter. I understand the importance of accurate credit reporting, and I expect that my complaint will be taken seriously and addressed promptly. The following accounts should be removed right away : DEPT OF ED/XXXX XXXXXXXX Balance {$980.00} ; DEPT OF EDXXXX XXXX Balance {$3000.00} ; DEPT OF EDXXXX XXXXXXXX XXXX {$2300.00} ; DEPT OF EDXXXX XXXXXXXX Balance {$1600.00} ; XXXX XXXX XXXXXXXX Balance $ XXXX.
Product: Checking or savings account

I am the POA and son of my mother XXXX XXXX XXXX. I handle all her business as instructed in the POA paper provided. 
My mom 's account was made and it was to be used to house funds to set till we settled on what to do with them. 
I had an account with Axos Bank and it seemed fine to me so far. I notified the bank that I was her POA and I needed to be added to the account to I could have to access. 
The reps did not seem on how to handle it and But on or about XX/XX/20 I faxed them the POA papers. ( Proof # 1 ) After some time I guess I was sent some other POA form they created that they wanted me to have notarized and sent back. ( Proof # 2 ) I refused as instructed by my legal team because they wanted to be exempted from any liability on the account. My legal team advised me that they as a bank can not be exempted. They sent me another form which I signed and notarized and sent back. ( Proof # 3 ) I was told even thou I am POA of her accounts that I would have no access to online banking or mobile app banking. 
I discussed this with my legal team and was told that can not be done. XXXX XXXX XXXX is an XXXXyear-old woman. I as her POA pay all her bills and buy all her food and so forth. I called in a couple of days ago to discuss this matter and talked to a phone bank rep named XXXX and she was very rude and not helpful. I asked her how I was going to deposit a check if I had no access to online or mobile banking. She said you can mail it in or do banking on phone. I said you can not do that. She said it was their policy. She did not seem to all-around smart on what a POA dose. 
Weeks later I got no call from a supervisor. 
Today, I called and spoke with a lady who again does not know how to handle this account. She refused me a supervisor. And as far as I know, I have no callback. 
I am worried as well as my mom is worried they will close the account because of retaliatory action. Only because I am making them follow the law and making me have full access to the account. 
I am the POA and I am supposed to be treated no differently than the account holder. That's how POA 's work.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX 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 and list of Inquiries. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've tried several times electronically and through hand written mail to get XXXX XXXX XXXX XXXX removed from my report. I was never in debt to them the case was dismissed in my favor by a California judge, the agency then added debt bogusly to my report after the fact. I submitted the court docs to the credit reporting agencies as proof but they refuse to remove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this complaint over an inaccurate late payment. I was protected under the XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX # XXXX. I have never been late on this account. I am also contesting the charge off on the XXXX XXXX # XXXX. 

I am requesting that the late payments be removed from my report. I was serving my country from XXXX - XX/XX/2019 as a XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted transunion multiple times complaining about XXXX XXXX and XXXX XXXX submitting false information to disrupt me credit score and my life in general.there both wanted by the XXXX XXXX XXXX New York US marshals XXXX and are under investigation by the new York states attorney general office please call XXXX XXXX and confirm for murders bank fraud etc. and transunion continues to accept information from these two fugitives that are seeking revenge for me reporting the i was an XXXX in XX/XX/2016 now i'm a XXXX can you have transunion explain this? they cant the only number transunion should accept from any regular person in from my phone if there no bank financial instantiation this fraud as stop me from securing a car loan a credit card i'm XXXX i don't have many option on a fixed income thank you XXXX XXXX XXXX i would like my credit score restored its correct number and no number but my own personal home phone be accepted for information accept for financial instantiation that are verified to be real financial instantiation.And do to the fraud XXXX XXXX denied me a credit card claiming i was last is the last 12 months which isn't true at all because XXXX and XXXX contacted both transunion and XXXX XXXX harassing empolyee 's pretending to be me using my Social security number name address and D.O.B thank you XXXX XXXX XXXX and the CFPB staff for helping resolve this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXL XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent out a 609 FCRA letter on XX/XX/2020, to ALL three credit bureaus to remove all inaccurate items and items I never gave permission to be reported. It has been well over 30 days and I have not received any investigation results.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous dispute regarding the inaccurate reporting of a negative entry on my credit report across all three major credit bureaus. Despite my repeated attempts to address this matter, it remains unresolved, and I am deeply concerned about the continued inaccuracy.

The latest credit report I received clearly shows discrepancies that are impacting my creditworthiness. Although the entry is listed as current, the payment history for this account incorrectly indicates 30-day late payments for XXXX, XXXX, XXXX, and XX/XX/year>. This inconsistency is present across all three bureaus, and it is unacceptable. Please see attached screenshot.
Product: Debt collection

I have found multiple unauthorized accounts on my latest credit report. Please block and remove these fraudulent entries at once.
Product: Debt collection

I received a notification that my credit score dropped a couple points and when I checked my credit monitoring account there was two accounts from Portfolio Recovery A in the amount of {$980.00} and {$420.00} ( opened XX/XX/2020 ) from XXXX XXXX credit card company. I currently have two XXXX XXXX credit cards in great standing and has never had any others. This is not my debt and I would like it remove from my name and social security number asap.
Product: Credit card or prepaid card

I called the customer hotline on Thursday ; XX/XX/2017. I paid off 50 % of the total debt with the credit card company. I mentioned that the reason I was in excess debt was that I had financial hardship in XX/XX/2017 for losing my job and I was also injured in car accident that made it difficult to work certain jobs. Now that I am working a lot more, my goal at the moment is to completely pay off the debt, but my interest is high and the payments are very high as well. I asked if they can lower my interest rate and payments so that I can pay off my debt with them but the representative said that they will not help me in this matter and to just pay more per month to finish paying the debt off. My previous statement I owed {$5500.00} and now I only owe {$3000.00}.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX # XXXX HAS VIOLATED MY RIGHTS, XXXX XXXX XXXX XXXX # XXXX HAS VIOLATED MY RIGHTS, XXXX XXXX # XXXX HAS VIOLATED MY RIGHTS, XXXX XXXX # XXXX HAS VIOLATED MY RIGHTS, XXXX XXXX # XXXX, XXXX XXXX # XXXX HAS VIOLATED MY RIGHTS 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt nor therefore any such debt in fact therefor exists in requesting documentation none was provided. Due to identity theft this should be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX 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, has violat

ed 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. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

I signed up for a card that advertised 0 % interest on purchases for 15 months. I accidentally selected the wrong radio button and paid the full amount due instead of the minimum payment. I called up AMEX and explained the situation -- they offered to refund my payment and assured me that the balance would remain at 0 % for the remainder of the 15 month period. When my statement closed and I saw XXXX of dollars of interest charges, I called them up to ask them what happened -- after much investigation, the agent explained that the balance on the card had n't been placed back at 0 %, but that he was submitting a ticket to fix the issue. He also refunded my interest charges and told me that he was extensively notating my account with the resolution. Assured that the problem had been fixed, I did n't worry about it again until I saw the next month 's statement with even more interest charges. I called up AMEX again and this time, despite having XXXX previous agents telling me the balance should be at 0 %, they told me that there was nothing they could do about the issue and that I would either have to pay off the card or continue to accrue interest charges. It is incredibly disingenuous of American Express to repeatedly assure me of one thing, and then purposefully do another. It 's bad customer service and it 's bad business, especially considering that I 've been an AMEX customer since 2001 and have spent XXXX of XXXX of dollars on AMEX credit/charge cards.