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

On XX/XX/2021 I attempted to withdraw {$1000.00} of the roughly {$2000.00} in " Withdrawable Funds '' listed on my Robinhood account. This transaction was declined, and the error message was listed as " Account withdrawal disabled. '' with no other reasoning given. I had not made any deposits to Robinhood since XX/XX/2021, and I had no pending trades or unsettled funds. I attempted this transaction again on the following days : XX/XX/XXXX - 3 times XX/XX/XXXX - 1 time XX/XX/XXXX - XXXX Time XX/XX/XXXX - 1 Time XX/XX/XXXX - 2 times XX/XX/XXXX - 3 times XX/XX/XXXX - 1 time I did not deposit any funds, or make any trades during this time. I have never had a failed deposit to Robinhood, I've never traded on margin, and I've never had a negative balance. The funds were listed as withdrawable funds. I reached out to Robinhood about this on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, and have received zero correspondence back as of XX/XX/XXXX. 

On XX/XX/XXXX, I initiated a full account ACATS transfer to XXXX XXXX. On XX/XX/XXXX, that transfer was rejected by Robinhood. According to XXXX XXXX, the reasoning was that there was a restriction on my Robinhood account, and that I needed to contact Robinhood support to lift this restriction. 

I've received zero communication from them via email, which is the only way to contact them as they have no support phone line. 

My funds and my holdings are fully restricted from leaving the Robinhood platform in any way for almost a full month now, and I have nobody to communicate with to fix this problem or receive any additional information about why this is happening.
Product: Credit card or prepaid card

Fortiva sent a XXXX that I did not apply for and it is now on my credit report. I do not want this to affect my credit score as a closed account since I never opened the account. This is a huge issue for me my credit is frozen to prevent this type of fraud.
Product: Debt collection

XXXX XXXX is listed as a debt collector on my credit report. I have no idea what debt is being reported. I do not owe anything to XXXX and have not received a debt validation notice.
Product: Mortgage

My mortgage service co Ditech hired a company to break into my residence and change the locks while the home was in the foreclosure process.. The home was not listed for sale. The company continued to harass me with threatening phone calls. 
In XXXX I agreed to a modification program. The agreement signed stated the first payment was due XX/XX/XXXX. If the next 3 payments were made on time, the modification would be permanent.. The next 5 payments were made on time, I also applied for the hamp program only to say they are reviewing. it. This went on for 5 months. XXXX then sold my mortgage and is now being serviced by XXXX. I have been in contact with them, and they state they are awaiting the paperwork from Ditech. I have made my payments with shellpoint on time. They state that they do no even participate in the HAMP program. 
XXXX failed to its guarantee to have new company honor previous agreements. I want to have the issue resolved with my current modification and for them to honor it. I would like also for them to honor the HAMP process before it was sold.
Product: Checking or savings account

I was charged illegal overdraft fees from Navy Federal for several years in my checking account.
Product: Credit reporting or other personal consumer reports

Dear Experian, RE : Failure to Respond to CFPB Complaint is a Violation of Fair Credit Reporting Act ( FCRA ) I am writing to express my outrage regarding your companys failure to respond to the complaint I filed through the Consumer Financial Protection Bureau ( CFPB ). Complaint number XXXX filed on XX/XX/year>. Including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. It is appalling that Experian, a company that is legally bound by the Fair Credit Reporting Act ( FCRA ), continues to show such disregard for the rights of consumers. This is not the first time Experian has failed to comply with its obligations, and your company 's track record of being involved in numerous lawsuits for violations of consumer protection laws only reinforces the seriousness of this matter. 
Under the FCRA ( 15 U.S.C. 1681 et seq. ), you are required to investigate and respond to disputes about inaccurate information on credit reports in a timely and efficient manner ( 30 ) days. Your failure to respond to my dispute in accordance with 1681i ( a ) is not only a violation of federal law but also an indication of systemic negligence on your part. Given that Experian has faced lawsuits in the past, including high-profile class action cases and settlements regarding violations of the FCRA, it is extremely concerning that these patterns of noncompliance and disregard for consumer protection continue. It appears that Experian has learned nothing from these legal actions and is once again acting in bad faith by ignoring my legitimate dispute. 
I demand that you immediately address the inaccuracies in my credit report and provide a formal response to my CFPB complaint. If I do not receive a satisfactory response within the next ten ( 10 ) days, I will take further action, which may include : Filing additional complaints with the CFPB and Federal Trade Commission ( FTC ) for your violation of the FCRA.

Consulting legal counsel to explore further action, including but not limited to civil penalties as outlined under 1681n for willful violations and 1681o for negligent noncompliance. 
- Bringing this matter to the attention of relevant media outlets and consumer advocacy groups to expose your ongoing failure to comply with consumer protection laws. Let me remind you that your company has already faced consequences for ignoring the rights of consumers. I expect you to take this matter seriously and provide me with a resolution without further delay. Thank you. 
XXXX XXXX social Security number XXXX.
Product: Credit card or prepaid card

I received new credit cards ( old ones expiring XX/XX/18 ). Before activating these new cards I went to USAA member access to review charges, payments, interest and make an online payment. However, the XXXX XXXX was no longer listed among my other accounts. After, several attempts to access the account through alternate web site navigation I gave up and initiated a chat session. The USAA chat agent was unable to locate the account either and referred me to an XXXX  number. I explained it was not my job to find USAA 's lost signature visa account, would have my family switch to another credit card we have and that a USAA customer service manager could call me when / if they were ready to make it right.
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. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  XXXXXXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : US DEPT ED Account XXXX : XXXX Account Name : US DEPT ED Account Number XXXX XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : 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

Upon reviewing my credit file, incorrect information were found in my reports. The TransUnion/XXXX Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$260.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$260.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} TRANSUNION : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX AV XXXX XXXX, NJ XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$260.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Product: Checking or savings account

On XX/XX/2020 I went to deposit a check into the ATM at XXXX, OHIO. 
I am from XXXX, pa but was on my way to a friend 's house to spend the night. 
The ATM said " this service is not available '' after I pressed " deposit ''. 
I was furious!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! 
And then I called the horrid 800 number, and was on hold for 45minutes!!!!!!!!!!!!!!!!! 
That is totally unacceptable!!!!!!!!!!!!!!!! And it cost me XXXX XXXX a minute with my cell phone to boot!!!!!!!!!!!!!!!!!!!!!!!!!!!!! 
I had to drive all the way back to XXXX, PA, over 25miles one way to deposit in the ATM!!! 
That is the MOST HORRIBLE SERVICE I EVER EXPERIENCED IN AN ATM!!!!!!!!!! 
IF IT DOESNT WORK, SHUT IT DOWN, PUT A BLASTED SIGN ON IT!!!!!!!!!!!!!! 
THIS HAS HAPPENED AT THAT BRANCH MULTIPLE TIMES!!!!!! 
THOSE XXXX  THAT " WORK '' THERE SHOULD BE FIRED!!!!!!!!!!!!!!!!! 
HOW DARE THEY LET IT GO LIKE THAT AND NOT PUT UP A SIGN!!!!!!!!!!!!! 

FINE THEM AS MUCH AS POSSIBLE!!!!!!!!!!!!!!
Product: Checking or savings account

XX/XX/2020 - XX/XX/2020 hehehehe this non sense bank blocked my checking account but still they processed the 2 ach deit transfers from the external linked account, a total non sense, why they do not simply block the funds and retirn them to the original bank account, instead of their wasting of time non sense procedures now they have blocked my account with a {$120000.00} balance transfreed from my external checking account with out my authoization i have answered to their non sense questions both to the automated phone system and to the agent but they still say that they will not refund the not authorized ach transfers to the original bank account, and they want to keep the account blocked until i will send them paper documents, that in fact i do not have they ask for a document id that contains the adress that i have indicated on the discover checking account and the social security number as well this request is a non sense since  i'm a XXXX XXXX of this country, but i'm a XXXX  citizen, so i have a XXXX  pasport the XXXX passport does not contain the XXXX adresses or the social security number i asked if they will keep the funds blocked and their answer was " well good question, yes until you send us all the required paper documents, the funds and the checking account will remain blocked, for a unlimited time '' i have my XXXX  passport and the social security card but i do not approve their request for a copy of the passport and ssn card, since i do not send my document id here and there by fax, only because their security procedures are a non sense if they recognize a not authorized ach debit transfer from the linked external account, they must simply cancel the ach debit transfer and they do not have to wait until the ach debit transfer clears or otherwise if they can not cancel a not authorized ach debit transfer, then can bock the account temporarily until the funds are cleared and then refund the funds to the original bank account, instead of wasting the customer valutable time with their non-sense procedures i also want to clarify that they advertize the discover checking account as a online only checking account and when i signed up for the online/web discover checking account nobody told me ad there were no indicationsm that they send sms codes and request paper docs for a online only checking account a non sense a normal bank can confirm identity by sending a code to the registered email on bank account discover likes sms and smartphones, not the internet/web but they do not indicate that on their website they are not compatibles with the internet/web but still they insist with their online only checking account, that works with a sms, a fax or a paper document i suggest them to transfer their bank activity, including their so called online account by sms and their ach transfers funtionality, from the web/internet to a normal blick store, because discover isn't compatible with the internet
Product: Credit reporting or other personal consumer reports

I am submitting this complaint and there is no third party involved. The Fair Credit Reporting Act 15 U.S.C 1681 section 602 states there is a need to insure that consumerreporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for theconsumers right to privacy. XXXX, Equifax, and XXXX are consumer reporting agencies and I am the consumer. The consumer reporting agencies XXXX XXXX, Equifax, and XXXX have been reporting inaccurate information onto my consumer credit report without my written consent. It is illegal to report transaction history Per 15 U.S.C 1681a ( d ) ( 2 ) Exclusions ( A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. I did not give my written consent for inquiries listed on my credit report so please remove all inquiries that is not an open ended credit account Per 15 U.S.C. 1681 ( b ) permissible purposes. If your investigation concludes the account is verified, please provide me with the documentation that was used to verify the open account.
Product: Checking or savings account

I got an email today XX/XX/year> about them limiting my account. I called the number on the email and she stated the person sending via XXXX was impersonating a government official. I informed them I would not know that. I asked for a supervisor and he stated I would not be able to get my money out or why my account was being investigated. He stated he does not know when it will be over and I would not be able to get my money.
Product: Credit reporting or other personal consumer reports

To whom it may concern the violating my rights and Im a victim my identity Consent to any one of these companies and please verify a signature on the document. 

1681b. Permissible purposes of consumer reports A consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena XXXX issued in connection with proceedings before a Federal grand jury. 
( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
( 3 ) To a person which it has reason to believe- ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumer 's eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicant 's financial responsibility or status ; or ( E ) otherwise has a legitimate business need for the information in connection with a business transaction involving the consumer. 

These are a list of all 8 false accounts or close accounts affecting me for pursuing and achieve better in my life. Theyre all closed and I dont recognize. 

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

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. ( These are all account numbers stated on Experian.com and they read : XXXX XXXX XXXX account number : XXXX, XXXX account number : XXXX, XXXX XXXX XXXX account number : XXXX & XXXX XXXX account number : XXXX 15 USC 1681 section 602 A states I have the right to privacy.

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

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

Collection was opened XX/XX/XXXX for a XXXX XXXX account. Amount was XXXX. I have taken numerous steps with the company but I have not gotten anywhere. There is no way I could have opened a XXXX account, 1 because it was opened in XXXX/XXXX  of XXXX when I had no way of opening it, secondly I have a XXXX account of my own
Product: Credit reporting

My report contains information that should be deleted due to settlement with the original creditor, a third party agency refuses to remove their mark even after I proved to them that I paid the debt, according to settlement with XXXX they placed a balance for collection after I settled the debt with them then they reported the wrong open date to keep it on my report, this is a violation of FCRA
Product: Credit reporting or other personal consumer reports

Subject : TransUnion Failed to Provide Verification Proof FCRA Violation I submitted a dispute to TransUnion requesting verification of several negative accounts on my credit report. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i ( a ) ( 6 ), the credit bureau is required to provide the method of verification used to confirm the disputed accounts.

However, instead of providing actual documentation or proof of verification, TransUnion only sent me a generic response stating that the accounts were verified without including any supporting evidence.

I am requesting the CFPB to investigate TransUnion 's failure to comply with the FCRA and require them to : 1. Provide concrete proof of how they verified these accounts.

2. Delete these accounts from my report if they can not provide evidence.

3. Ensure compliance with the 15 U.S.C. 1681i ( a ) ( 6 ) provision of the FCRA regarding method of verification.

I have attached the four-page response from TransUnion to prove that they failed to provide the required verification documents.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : Requesting you Block and Remove Fraud from My Consumer Report I am contacting you about the compromising of my social security number. I am a victim of a Data Breach/ Identity Theft. I contacted the Federal Trade Commission and filed an FTC Report Number : XXXX  which is attached. Please block and remove all information from my credit report and send me an updated copy of the credit report. 

Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below. 

XXXXIdentity Theft. 
XXXX Account Number:XXXX I need to see all bank transaction that belong to this company that would proved my payments were not accepted on time or you need to removed these unverified late payment XXXXIdentity Theft. 
XXXX Account Number:XXXX Please investigate and delete from my credit report. 
XXXXXXXX XXXX XXXX Account NumberXXXX Please remove it from my credit report. 
4.Identity Theft. 
XXXX Account NumbeXXXX XXXXXXXXIdentity Theft. 
XXXX XXXX  Account Number:XXXX Please ensure that all information is accurate XXXXIdentity Theft. 
XXXX  Account Number:XXXX I need to see all bank transaction that belong to this company that would proved my payments were not accepted on time or you need to removed these unverified late payment XXXXIdentity Theft. 
XXXX Account Number:XXXX XXXXIdentity Theft. 
XXXX  Account Number : XXXX have not supplied proof under the doctrine of estoppel by silence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX i my presume that no proof of the alleged debt nor therefore any such debt in fact exists Failure to respond satisfactorily will result in a small claims action against your Agency. I will be seeking damages but not limited to and each violation is a statutory cost of {$1000.00} each Per 15 U.S.C 1692k : XXXX. Defamation of Character XXXX. Negligent Enhancement of Identity Fraud XXXX. Violation of the Fair Credit Reporting Act XXXX. Violation under 15 U.S. Code 1681o - Civil liability for negligent non compliance XXXX. Violation under 15 US Code 1681n ( b ) - Civil liability for willful non-compliance 6. Failing to comply with 15 USC 1692 ( g ) 7. Violation under 15 U.S. Code 1681b Permissible purposes of consumer reports XXXX. Under 15 U.S.C. 1681i ( 7 ) Method of verification 9. Violations under 15 USC 1681 a ( 4 ) right to privacy XXXX. Violations under 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports I expect this letter to be taken seriously and I demand this fraudulent account be blocked and removed from my report as I have provided you with the required pieces of information. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent the following letter to the credit bureau to which they replied they would not comply with the consumer laws of the united states XXXX on the XXXX team told me he was a credit agency and he had permission because he was an agency that is not the laws of the united states of america. 



XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX XX/XX/2022 RE : XXXX To whom it may concern, I, XXXX XXXX, never gave Any Consumer reporting agency verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute. 

You also do not have any permissible purpose to furnish my personal information to any third party. 

15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
As a consumer, I am demanding a deletion of the utilization on all my revolving accounts. Under 15 U.S. Code 1681a 2 ii excluded from a consumer report are any transactions between the consumer and company ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report DOES NOT INCLUDE ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to TRANSACTIONS or EXPERIENCES between the consumer and the person making the report ; Please send an updated report when this issue is resolved Sincerely -XXXX  XXXX