23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

My account was closed AFTER I submitted for SCRA benefits. I wasnt called, sent an email, messaged through the website/application or received any type of official correspondences regarding why my account was abruptly closed. I have always paid these accounts on time. I am not aware of when my accounts were closed but when I attempted to make a payment on XX/XX/year>, I noticed the account was closed. The company reopened a previously paid off and closed account. However, the request was regarding a different account, ending in XXXX. I am thankful for the reopening of a previous account. However, it was the wrong account I am submitting my request on.
Product: Credit card or prepaid card

XXXX   XXXX   XXXX   has merged w ith Huntington National Bank, all of my accounts were to be transferred to Huntington   Bank, after waiting patiently for my new credit card to be sent from Huntington Bank over six weeks later I have not recieved the card. I called Huntington to find out what happened and I was told the account had been closed per my request. I informed them that I had not made any   requet to close my account, and that I had no prior communication with them or   XXXX   XXXX   XXXX   at all about closing an account. I was told that nothing could be done at this point. I ask them to tell me when was request submitted, and how was it done because it was not me.  Huntington responded by telli ng me they were not allowed to give me that information even though they claim it was me who made the request, they could not provide proof or any information to support that statment because they know it is not true.
Product: Bank account or service

I have XXXX account with Bank of America.One account is a primary checking another checking account and also a Money Market account. Last month XXXX XXXX XXXX fees were added to my account by the bank.They added XXXX and a additional XXXX monthly fee. I called the bank to complain about this. They told me they added these fees because I had to many withdraws. I was told by a second representitive that they could refund me some of the money the bank had charged me. This person tranferred me to another representitive and they said there was nothing they can do to help me. I have had this account since XXXX and they did n't ever charge me. I ask them to not put additional charges on this account due to no activity since the month it happen but there has been another XXXX dollars fee added this month.
Product: Credit reporting 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am reporting an issue under Section 605c of the FCRA ( Section 605c of the Fair Credit Reporting Act ). Thank you for your attention to this matter and express your hope for a prompt response. I am reporting an issue of inaccurate information of numerous account balances that is not mine. This information is highly affecting my credit score and my ability to secure loans. Please remove these accounts. These accounts are not mine. 
Please have these accounts removed as soon as possible. These accounts listed are not mine.
Product: Checking or savings account

Pursuant to FCRA 15 U.S. Code 1681i, I am requesting that ChexSystems not furnish any information about me concerning my credit file. I believe the information for XXXX XXXX XXXX Account Number XXXX XXXX XXXX is a result of identity theft ; thus, please stop reporting information about me to consumer reporting agencies. 

Please be advised that I am a victim of identity theft. My wallet has been stolen on several occasions and my information has been leaked in a data breach. Following these events, someone used my name, Social Security number, date of birth, and other identifying information, without my authority, to commit fraud on behalf of XXXX XXXX XXXX, Account Number XXXX XXXX XXXX. 

As has been noted, an investigation is supposed to involve reviewing documents, researching facts, interviewing witnesses, or comparing handwriting. During my previous dispute process, Chex Systems did NOT conduct a meaningful examination of the underlying facts, which is a mere violation of the Fair Credit Reporting Act. Chex Systems employees are no more than data entry clerks in the dispute and investigation process. Chex Systems did NOT properly review any documents, research facts, or interview any witnesses, such as family, associates and/or neighbors. 

I am requesting that all information about me and my accounts remain private. I want my name, address and credit data excluded from your marketing lists. 
In accordance with the requirements of the FCRA, I am hereby requesting your complete compliance with any and all of the provisions. 

I have been receiving harassing phone calls from some debt collectors. All of the debt collection agencies are committing actions that are prohibited by law. It is my understanding that debt collectors may not harass, oppress or abuse debtors or any third parties they contact. I have also been threatened to be taken to court if I do not pay these debts. These phone calls are completely oppressive, harassing, and burdensome. 

I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Consumer Financial Protection Bureau, the Attorney General 's Office, and the XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX XXXX  Credit Cards XX/XX/XXXX Experian XXXX XXXX  I Mortgage Companies XX/XX/XXXX Experian XXXX XXXX I XXXX XXXX XX/XX/XXXX Experian XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX Experian Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my credit report, which I initially brought to the attention of Equifax on XX/XX/XXXX. To date, I have not received any response from Equifax regarding these discrepancies. I am providing the details of the erroneous information and the necessary corrections required : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$28000.00} Issue : The following account was never late. Please correct/update this inaccurate information on my credit report. 

XXXX  Date Opened : XX/XX/XXXX Balance : {$1700.00} Issue : The information for the account is inaccurate, as I am not familiar with the company XXXX, and I have no contract with them. I dispute the reported balance of {$1700.00} and request verification of the Date Opened and Date of First Delinquency. 

XXXX  Date Opened : XX/XX/XXXX Balance : {$2200.00} Issue : The reported collection agency is unknown to me, and I do not have any contract with them. The reported balance of {$2200.00} appears inaccurate, and I believe it should be lower. Additionally, the reported balance exceeds the High Balance on the same account, suggesting an inaccuracy. I dispute the entire account and request verification of the Date Opened and Date of First Delinquency.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am really tired of filing complaints against Equifax. This time I am getting robbed by Equifax. They keep locking me out of my account but they are charging my debit card monthly. This company will not let me breathe and they stubbornly refuse to take their knees off my neck. I have sent my proof of identity to them several times. I can not get my account unlocked. I tried to cancel my service and they said NO. I am getting XXXX by Equifax in broad daylight. Please help. Sadly, I am paying monthly service for XXXX, and Equifax.com. I am XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Reporting these items as unconfirmed information is unacceptable without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely repaired : XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 13th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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: Debt collection

on XX/XX/2019 a company called William and Fudge called me from a North Carolina number. They stated I had a federal Perkins loans that had been transferred to their office. Prior to this I had never heard of the company or received anything from the original loan provider XXXX XXXX XXXX , XXXX . When I spoke with the company they confirmed that they never sent anything out. I requested a be mailed something that verify who this company is and that the account had been transferred to them before giving them my personal information. They stated they wanted to add this to a loan set up I already have with another Student loan provider. They wanted me to give them the information to that company so they could add this amount. I never received anything that verified the company. On XX/XX/19 I received an email from a ( XXXX ) only when opening the email does it say William and Fudge. Once again this letter doesn't make any reference to the original company or that account number nor did it state any information validating the company. In fact it looked like a logo was copy and pasted into the email and then they typed below. Additionally the number listed in the email does not match the number they call from. When you call the number back they don't answer with a company name.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not looking for this complaint to be changed to a request for a dispute. Ive done that already. I am looking for this information to be DELETED per the FCRA. This company has failed to investigate & obtain, as mandated by law, proof of such debts. They have had more than 90 days, which I have given more than enough time and more than 3 dispute letters were sent to resolve this. Now it is time to DELETE the accounts per the FCRA
Product: Checking or savings account

I opened the account two years ago and its been over drafted XXXX since then
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a both a fraudulant collection and inquiries on my XXXX. I have tried going direct to bureau and companies to have this removed. They have already been removed on my experian for the same reason and I have the right to an accurate credit profile according to the FCRA. 

Collection account - Merchants Credit Guide ( {$570.00} ) Fraud Inquiries - XXXXXXXX XXXX XXXX XXXX  Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX  - XX/XX/XXXXXXXX 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 XX/XX/XXXX
Product: Debt collection

I rented a home from XXXX XXXX in 2018. I had numerous complaints that involved water leaks, repeatedly, and a rat infestation. They kept saying that they would come out and never did. I finally called XXXX XXXX XXXX  and they came out and told me that they needed to go inside my attic and patch of sever holes as well as a few holes outside of the home because there was a severe infestation in my home. XXXX XXXX told me that it was not needed to do all of that and they came by and dropped off a few rat traps. The same ones that I had already purchased. I faxed them the paperwork from XXXX and they still said that the home did not need all of that. It was so bad that I could not stay there. We were killing mice and catching rats a few times a week. I called and advised them that I was leaving the home and that they had 30 days to get the infestation taken care of. If they did then I would be leaving the home. I paid my rent in full and waited 30 days. They never contacted me or fixed the situation, so I moved out on day 31.
Product: Credit reporting or other personal consumer reports

I AM LIVID! I AM LITERALLY IN THE PROCESS OF MAKING A BIG PUECHASE WITH MY CREDIT AND XXXX XXXX HAS REPORTED INACCURATE INFORMATION TO MY CREDIT REPORT AND THEY WILL NOT FIX IT THE REP WHO WAS SO UNHELPFUL AND OVERSPEAKING ME AND PRETTY MUCH TELLING ME IM A LIAR TOLD ME I NEEDED TO MAIL IN DOCUMENTS TO HAVE IT FIXED. XXXX XXXX OFFERS XXXX XXXX ITS EVEN REPORTING THERE THEY REPORTED MY ACCOUNT IS ALMOST MAXED OUT WHEN MY STATEMENT CLOSED AT XXXXXXXX XXXX THIS NEEDS TO BE FIXED ASAP. THEY ARE PROVIDING ALL THREE CREDIT REPORTING AGENCIES INACCURATE INFORMATION INCLUDING THEIR OWN REPORTING. THIS NEEDS OT BE FIXED THEY ARE DOING THIS BECAUSE I AM XXXX AND THEY DONT EXPECT ME TO PAY ATTENTION TO MY CREDIT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had a few issue with account that I do not recognize on my credit report. I am refinancing my home when I found the following accounts : XXXX  XXXX XXXX # XXXX**** XXXX XXXX XXXX XXXX # XXXX**** XXXX # XXXX**** I have requested a re investigation to dispute the unknown accounts I need a copy of my credit report for my own personal review.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently requested XXXX, XXXX, AND XXXX to investigate a few accounts reporting on my consumer file, The investigation took welll over 30 days and I have not been notified of the outcome.
Product: Checking or savings account

I filed a claim for XXXX fraud. In the first one, someone lied and said I was willing to withdraw the claim, which I had to call again a couple of days later and get filed again. As of today, I'm being told that the claim was denied. XXXX fraudulent was taken out of my account in 48 hours. I never got any alert text or anything to verify fraud charges at the time
Product: Credit reporting or other personal consumer reports

During XXXX, I had some financial hardships, and I was unable to bring my account up to date. I was offered an payment arrangement that would remove all past due account statuses If I paid XXXX consecutive months. I did that during the months of XXXX to XXXX, and the past due status was never removed. Finally, this account was paid in full, and it is not reflective in all of the bureaus.
Product: Credit reporting or other personal consumer reports

After viewing my credit report for XXXX credit card, XXXX, there was a LATE PAYMENT which reports. 
LATE PAYMENTS are illegal to be reported per 15 USC 1666b ( a ) Time to make payments : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I do not receive statements 21 days before due date.

15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I was never given an option to OPT OUT. 
I hereby revoke XXXX XXXX XXXXXXXX XXXX from reporting information for the account mentioned to all credit reporting agencies. Again, XXXX XXXX XXXX XXXX and the Consumer reporting agencies XXXX, Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Equifax, XXXX, whether it be verbal, non-verbal, written, implied or otherwise is revoked for XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, unauthoroized inquiries are being reported to my personal credit file. The XXXX, and TransUnion Credit Reporting Agencies has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continued to report unverified information without providing any proof required by law. The Credit Bureuas have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. I need the following inquires to be removed ; 1. XXXX Inquired on XX/XX/XXXX 2. XXXX XXXX XXXX Inquired on XX/XX/XXXX 3. XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX 4. XXXX XXXX Inquired on XX/XX/XXXX 5. XXXXXXXX XXXX Inquired on XX/XX/XXXX 6. XXXXXXXX XXXX Inquired on XX/XX/XXXX 2022
Product: Money transfer, virtual currency, or money service

On Thursday, XX/XX/XXXX, I tried to verify a transfer to the " Robinhood Wallet '' app using my Robinhood account. I accidentally submitted the wrong government ID documents and they promptly restricted my account, disabling me from trading. They did not give me the opportunity to correct my mistake before restricting my account. 

They sent me a change of name request form but quickly voided the document before I had time to read through it. 

Since they restricted my account, many actions have been restricted in the default " Robinhood '' app, most notably withdrawing funds back to my original bank account. As a precaution, I attempted to withdraw my funds listed as " Withdrawable '' within the app. However, my account withdrawal has been disabled. 

I have tried to contact Robinhood customer support with no success. They have decided to continue closing my account with little information on what I did wrong. Here is the customer support message I received : " XXXX XXXX, I hope all is well! My name is XXXX with Robinhood Support. Thank you for reaching out!

At this time, we can no longer maintain you

r Robinhood account. ?? We reserve the right to close accounts in our terms and conditi ons. 

All funds will be returned if eligible to either the accounts that deposited the funds or a linked bank account. Youll receive email alerts as these transfers are processed. It may take up to 15 business days to complete this process. 


Thank you for your understanding. 


Sincerely, XXXX XXXX ID : XXXX '' End of email. I am worried that they will label ALL of my {$6800.00} as " non-eligible '' and that I will never be able to withdraw my funds. My {$6800.00} is listed as " Withdrawable cash '' and I receive an error every time I try to withdraw through the app or website. I have since liquidated all my funds out of an abundance of caution. 

I currently have my correct government ID documents and cards with me, however, I have not been given an opportunity to present the correct documents to them. 

The brokerage is listed as " Robinhood Markets Inc '' at XXXX XXXX XXXX, XXXX XXXX, California XXXX.
Product: Money transfer, virtual currency, or money service

I signed up for direct deposit and they issued me a routing and account number. I received my first direct deposit on XX/XX/2022. I received the second one on XX/XX/2022. The time for the third deposit to hit on XX/XX/2022. Never hit. I checked my other bank account and my funds had been deposited as normal. I wait until later in the day and still no deposit posted to Coinbase. I was given the run around after calling so decided to read the terms and agreement. I found that XXXX handles the heavy lifting and the direct deposits. I called them and entered my information in and they advised that they had records for all three deposits that were posted to the account Coinbase gave me and to contact them. I tried reaching out to Coinbase and no one knew what I was talking about and could help. They then flagged and locked my account as a risk once I started calling and emailing more. I just want my {$660.00} deposited into my account so I can be done with the horrible scam of a company.
Product: Credit card

I have a XXXX credit card account. I had purchased a computer with an interest fee of 0 % for the first year. I carefully calculated my payments and the computer was to be paid off prior to the interest fees. I had autopay set up for $ XXXX payments. At the end of XXXX i received an email stating they were selling my account, and access would be restricted. I called XXXX at that time, to make sure my last payemnt ( {$97.00} ) would not be charged late, or if the autopay would still work, etc. I was told no late fees are charged, and as soon as I got the letter stating the account was changed, to login, and make sure all was in order. I received the letter around XX/XX/XXXX. It stated that I had incurred interest of {$280.00} because I did not pay my promotional purchase off in time. I reached out to the creditor, and was told that there is nothing they can do, as I did not pay my promotion off in time. My promotional balace would have been paid off in time had they NOT SOLD my creidt account, and restricted my access to the account while the transfer was occuring. Even if you can not assit, I would like others to be warned of the predatory manuever of creditors, as this is totally unfair. Thank you.