23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/XXXX I ordered a couch from XXXX. I tried to cancel the order but the merchant refused. Then I tried to schedule delivery of the couch and the merchant still refused. So I paid XXXX and was not able to receive a refund or the couch back. I filed a dispute with Citi bank but the bank told me I was responsible because I classified the dispute as " cancelled item '' rather than " missing item '' As proof I was provided an email chain between the vendor and an email address I don't even recognize. The vendor never contacted me and never delivered my item and yet Citi won't refund my money.
Product: Checking or savings account

On Sunday, XX/XX/year>, Robinhood suddenly restricted my XXXX account from trading or withdrawing funds. I reached out several times in the next few days without being able actually to speak to anybody ; my online app just stated my account was still under review, and no explanation was given. 

I finally spoke to someone twice on Thursday, XX/XX/XXXX. On the first phone call, they verified my identity with personal information feedback, and I was told the account was still under review. No explanation was given, and there was nothing further I could do to resolve it at that time. 

Before the second call, I received an email notifying me that I had to verify my identity through the app. I submitted that ( copy of my driver 's license front and back, a live selfie of front and both side profiles, and a copy of the newest bank statement I had dated XX/XX/XXXX, which had the same address as my driver 's license, and the same account number as registered on my Robinhood account ). 

A couple of hours later, I received a phone call from Robinhood, but I could never speak to a person ; I just received a recording telling me I was in line. I waited XXXX minutes on hold and requested a callback. 

About an hour later, I received a phone call from Robinhood. Again, a live person verified my identity with personal information feedback, and they said they received my driver 's license, selfie, and bank statement, and all that looked good. She asked me a long series of questions dating from the present to back to information from over XXXX years ago, which I confirmed as all being my activity. There was nothing wrong with the activity ; they just wanted to verify that it was me. I thought this would finally resolve the issue until, at the end of the call, I was told everything appeared good but that it needed to be returned to review further. 

Robinhood has confirmed that all the activities are my own, and none violate XXXX laws or Robinhood rules. At this point, they are just holding my funds XXXX for no reason whatsoever. 

At this point, I feel like I will never have access to my funds again, and I have exhausted all remedies.
Product: Mortgage

Rushmore is late in payment from escrow on my towns property tax, forcing me to make payment to avoid a 30 Day Notice of Lien ( attached ), despite having informed Rushmore when the notice was received. They have removed monies from my escrow account. This is still not resolved after nearly a month of my calling, practically daily and spending hours each call, forcing me to pay out of pocket to cover the cost and avoid the notice of lien. They have no estimated resolution. I do not have confidence Rushmore can effectively manage payments or escrow. They are negligent in their servicing and incompetent in their resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

Not my accounts reporting on my Equifax
Product: Credit card

I disputed a credit card charge on my Bank of America Visa card. B of A sent me a letter stating what I needed to mail or fax them to substantiate the claim. I purchased a windshield for my boat - the part was too small and does not fit. Numerous attempts to get the merchant to return my calls so I could get a RA in order to return the part failed. They never called me back, so I disputed the charge. 
One paragraph in the letter is what my issue is. It stated that I had to get a signed second opinion from another qualified merchant on their letterhead! Who would do that??????????? And the qualified merchant ( second opinion ) must physically inspect the merchandise in dispute! 
This is simply putting a requirement on the consumer that is impractical at best and allowing B of A to rapidly close the dispute without a just and fair outcome to the consumer.
Product: Mortgage

BB & T is using 365 days this year to calculate their interest on my HELOC ( interest only ) loan with them. I believe 366 days should be used in the calculation. The use of 365 increases the actual interest rate charged above the actual interest rate agreed to and advertised. I contacted BB & T about this and have not received a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX my address is XXXX XXXX XXXXXXXX XXXX  XXXX XXXX NC XXXX. I am a XXXX XXXX  XXXX veteran the credit reporting company 's like Transunion, XXXX and XXXX have misused my credit report. My identity has been misused and they haven't removed or deleted any inaccurate information from my credit report. i have sent them proof of my address and i have sent them my police report and bank statements. The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. It was intended to shield consumers from the willful and/or negligent inclusion of erroneous data in their credit reports. To that end, the FCRA regulates the collection, dissemination, and use of consumer information, including consumer credit information. [ 1 ] Together with the Fair Debt Collection Practices Act ( FDCPA ), the FCRA forms the foundation of consumer rights law in the United States. It was originally passed in 1970, [ 2 ] and is enforced by the U.S. Federal Trade Commission, the Consumer Financial Protection Bureau and private litigants.
Product: Credit reporting or other personal consumer reports

I am writing to formally request your assistance in investigating inaccuracies and unauthorized accounts and other inaccurate information on my credit report, which have directly impacted my ability to be approved for loans. Despite my efforts to resolve the issue with the credit reporting agencies, these discrepancies remain unresolved. The information on my credit file includes which I did not authorize or recognize. As a result, my creditworthiness has been significantly affected, leading to my denial for crucial financial opportunities, including loansIappliedfor. 

Inaccurate Address XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Charge Off XXXX XXXX {$9800.00} Date Open : XX/XX/XXXX XXXX XXXX XXXX {$0.00} Date Open : XX/XX/XXXX Collection XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$630.00} Date Open : XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX {$9000.00} Date Open : XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX {$5800.00} Date Open : XX/XX/XXXX Repossession XXXX  XXXX {$12000.00} Date Open : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

On XX/XX/year> I contacted Robinhood about my account because it was restricted from withdrawing funds until I uploaded my driver 's license picture and take live selfies through the Robinhood app. I attempted 5 times to take the pictures and complete the selfies, but the app just kept looping telling me to try again and again. When I texted customer service, they did contact me via phone and told me further information would be provided via email. The email received indicated that my account was under restriction while they did further security review. They would respond by XX/XX/XXXX. 

When they did call me on XX/XX/XXXX, I was going into a doctor 's appointment and could not talk to answer the security questions. I asked that they call me back. They responded with an email and a XXXX ID : XXXX and asked for times for them to call me back, which I provided. They have failed to call me back and since the XXXX, my account no longer allows me to contact Robinhood and receive a call back. I've emailed them multiple times and a different representative writes back that they've contacted the agent assigned my case who will contact me. However, he never contacts me back. They gave me until XX/XX/XXXX to submit the bank statement before they freeze my funds but I have no way to upload the bank statement to prove that this is my identity and it is my account. I'm very concerned that they will freeze my account with open stock positions and funds. It is unbelievable that Robinhood does not provide immediate assistance to unlock my account. Please HELP!
Product: Credit reporting, credit repair services, or other personal consumer reports

( All documents, proof and/or evidence attached ) attached : return receipts, validation letters to XXXX and XXXX XXXX, certified return receipt mail sent to Equifax, XXXX  and XXXX. 
The following account/accounts that fall under have failed to be validated. I have sent the creditor ( XXXX XXXX XXXX XXXX letters of validation ) Neither has been able to validate the accounts that fall under Account # XXXX. 

-Sent XXXX Validation request dated : CERTIFIED MAIL AND SIGNED RETURN RECEIPTS ATTACHED 1st request for validation : sent XX/XX/XXXX XXXX request for validation : sent XX/XX/XXXX -Sent XXXX XXXX Validation request dated : CERTIFIED MAIL AND SIGNED RETURN RECEIPTS ATTACHED 1st request for validation : sent XX/XX/XXXX 2nd request for validation : sent XX/XX/XXXX I requested a method of verfication from Equifax, XXXX and XXXX via certified mail/return receipt : ( Attached as rd.1 letters ) Equifax : Signed for XX/XX/XXXX XXXX : Signed for XX/XX/XXXX XXXX : Signed for XX/XX/XXXX for the following accounts : 1. XXXX 2.  XXXX 3. XXXX 4.  XXXX 5. XXXX 6.  XXXX 7. XXXX 8.  XXXX 9. XXXX 10.  XXXX 11. XXXX 12.  XXXX 13. XXXXXXXX 14.  XXXX 15. XXXX -Per a previous dispute with the credit bureaus they stated that the creditor XXXX has validated these accounts.
Product: Credit card

XX/XX/XXXX I applied for a credit card with Bank of America. The contract stated 0 % interest for 18 months, ending XX/XX/XXXX. 
Beginning XX/XX/XXXX, they started charging me interest. By the time I realized it, they had charged {$120.00}. 

I called and got a run around, had to talk to two low level people who couldn't do anything, then was told a refund could not be submitted due to having a Merrill Lynch banner on my profile. I told them I did NOT and never have had a Merrill Lynch account and the issue was a B of A issue and they were breaking the law. 
saw online that this is an illegal practice and that you have fined them. PLEASE NOTE, THE PRACTICE IS STILL CONTINUING. 



The representative XXXX told me he could not submit the request. I spent over 2 hours on the phone and issue isn't resolved.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report.
Product: Credit reporting or other personal consumer reports

XXXX disputing information on my credit report. Pursuant to FCRA 605B Im including exactly what youre requesting. Proof of my identity, account which were involved with the theft & a copy of a completed & submitted FTC identity theft report. Im complying with the letter of the law & what youre required to have to honor my 605B request. This account need to be blocked or removed from my report. Please see this matter is attended to with the utmost urgency. 
XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reporting act XXXX  XXXX  # XXXX has violated my rights XXXX XXXX XXXX XXXX XXXX XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX XXXX : A creditor XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Mortgage

I am a XXXX XXXX provider but due to the Covid 19 pandemic lock down there was literally zero business.During the lock down I did not work for more than a year and applied for government mandated mortgage forbearance plan which was approved as well as extended. 
This XXXX i started working and i tried to resume my mortgage payment. The bank refused to accept regular monthly payment and demanded me to pay back the full forbearance balance at once, which is more than XXXX XXXX dollars. 
I did not work for more than a year, i asked the bank for deferment of the balance, which they denied verbally over the phone, stating my lender does not offer deferment. 
Then the bank asked me to apply for loan modification, which they denied as well. 
My home loan was modified back in XXXX during the real estate market disaster, my bank keeps referring to those policies. 
This is year XXXX, there is a global pandemic and financial recession, how could the bank ignore current situation and base their decisions on XXXX. 
I am in a position to resume my home mortgage payments, it will be possible only if the bank is willing to work with me. 
I applied for modification which was denied based on the XXXX modification, this is unrealistic and unfair.
Product: Credit reporting or other personal consumer reports

I checked my credit report and I see that there is a credit card XXXX XXXX for XXXX on my credit report. However I never applied for XXXX XXXX credit card. I only have a XXXX auto loan at this present time. According to US CODE 15 6801 US CODE 15 1602 US CODE 15 1681a ( 2 ) I ) US CODE 15 1666b Please remove this account from my credit report Possible identity theft. I was a victim to identity theft within the last 3 years
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my Experian credit report along with My XXXX report at the same time an notice wrong names listed within my credit profile. These names are inaccurate an should be removed immediately. 

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: Debt collection

I moved from the XXXXXXXX XXXX in XX/XX/2021 at the end of my lease. I was completely paid in full through the rent portal. Three months later, I was told by a realtor that a collection was on my credit from the apartments, added in XX/XX/2021. I never received a phone call or letter from them stating I owed any debt. I called and spoke with leasing agent XXXX who stated I did not owe a debt. I also spoke with XXXX who agreed that I did not owe the debt but said she could not do nothing about it because she already sent it to collections with a company called Genesis. Genesis refuses to respond to any disputes sent and I have been sending them for two years.
Product: Credit reporting, credit repair services, or other personal consumer reports

This year in 2019 during the months of XXXX, XXXX, and XXXX I have been in constant contact with Experian Consumer Reporting Agency in regards to several accounts appearing on my credit file that was established without my knowledge or consent or due to identity theft. One account in particular, which still remains on my credit report is XXXX XXXX XXXX. Experian continues to violate my rights as a consumer as well as the Fair Credit Reporting Act by reporting this account without providing 100 % Accurate Verification and blocking the account within 4 business days of notification. In addition, this account has been blocked and removed by both XXXX and XXXX consumer reporting agencies. I expect Experian to adhere to the FCRA by immediately removing this account from my personal credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was pre approved for credi card under false pretense and had my credit score go down after check.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB officer, I have contacted both your department & the company ( XXXX  ) this month and I was being confirmed by the company, there had been NO credit reporting late for 30 days. Due to that, my credit went down to XXXX points while I am in the process of refinancing another home. 
Today, I have reported that XX/XX/2023 payment has been recorded late which is clearly NOT the correct case. I have sent screenshot of my credit monitoring page to show that later reported on my credit. 

I therefore am asking you to remove this credit reporting from my credit. Thanks!
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency 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 the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

This matter relates to a JOINT CHECKING ACCOUNT held by me and spouse with Key Bank National Assoc. 
The events are as follows : 1. Due to a theft ( c. late XXXX XXXX ) of purse, a couple of checks ( contained in the purse ) were lost. However, this was not detected until a fraud was committed using the stolen checks ( see attached - note date and amounts ) to withdraw funds c. late XX/XX/XXXX. 
2. As soon as this was detected XXXX early XX/XX/XXXX, my spouse notified the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX to start the process. For a long time, we were NOT notified of any progress/status update by either the above branch or ANY action re our attempt to recover the funds. 
3. c. late May, I was approached by XXXX XXXX XXXX XXXX XXXX XXXX Key Bank University XXXX XXXX - details below ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as he had learnt internally about ( lack of any action ) re my case and offered to help. He initiated a formal Fraud Investigation and thereafter the matter was escalated upto the XXXX Offices, as follows - * Fraud case number is XXXX ; phone number to Key Bank XXXX XXXX XXXX. 

4. After a further period of wait, I was contacted by XXXX ( XXXX? ) via phone from Key Bank XXXX XXXX in XXXX, for collection of information. After another period of wait, I was told verbally over the phone that Key Bank was DENYING my claim because of DELAY in filing the fraud paperwork. I have recorded VM message of contact by Key Bank but no other record of conversations with representative of the XXXX XXXX ( although I was told that a transcript is kept ). 
I have since repeatedly asked for this formal determination via email or writing that I am yet to see till today. Note that Key Bank does NOT contest the fact that fraud was actually committed but is nonetheless denying the claim due to the above procedural issue that we were NEVER informed about when 1st reported.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX  Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX  XXXX XXXX XXXXXXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

As I reviewed my recent report, I have found a lot of erroneous information reporting on my EQUIFAX Credit Report. I am not sure if you have conducted a thorough investigation as I have requested for so many times and they seems ignoring my request and not taking action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXBalance : {$0.00} XXXX XXXX XXXX XXXXXXXXBalance : {$0.00} XXXXBalance : {$0.00} XXXX XXXX Balance : {$0.00} XXXXBalance XXXX XXXX$0.00} XXXX XXXXBalance : {$0.00} XXXXXXXXBalance : {$0.00} XXXX XXXXBalance : {$0.00} XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$870.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 I spoke to a XXXX rep about incorrect personal information and 4 fraud accounts XXXX XXXX XXXX {$740.00} ref # XXXX XXXX XXXX XXXX {$5000.00} ref # XXXX XXXX {$940.00} ref # XXXX XXXX $ -- ref # XXXX I was assured it would be immediately taken off, so I followed up after checking my credit report seeing it was not removed. 
On XX/XX/22 I called XXXX got to a supervisor, where we went over the incorrect personal information and 4 accounts that were still reporting. The supervisor was very unprofessional and told me they never received any call from me. She said that I had no recourse and would have to go through the civil court system.
Product: Debt collection

From XX/XX/XXXX to about XX/XX/XXXX, I was a victim of identity theft where an unknown person was using my name and personal information to open multiple bank accounts XXXX XXXX XXXX XXXX and XXXX ), as well as lease an apartments ( XXXX XXXX XXXX ) with my identity. The total amount was {$5700.00} dollars. I have alerted banks creditors and leasing agents to try and help resolve this issue. To my knowledge the thief opened up a bank accounts in XXXX XXXX and leased apartments in XXXX XXXX Nevada.