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

I opened an account with Robinhood more than half year ago, I rarely use the account or perform any transaction. On XX/XX/2020, I requested Robinhood to close my account. They suggest me to leave the account open. I affirmed my decision, they informed me that I need to pay the negative charge first, which was caused due to the deposit reverse nearly half year ago. I then linked my bank account to Robinhood and paid the charge and asked them to close my account again. They stated I need to wait until the transaction is approved. On XX/XX/2020, I reached out to Robinhood and asked them to close the account, delete my personal info, and stop sending me any marketing messages again, they suggested me to downgrade the account. I have no idea of what they are trying to do, and have not received the confirmation of the account closing.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
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 XXXXXX/XX/XXXX
Product: Mortgage

I am the XXXX Representative for an Estate that contacted JPMorgan Chase to give me a payoff for the deceased home loan for payment. The home sold, the closing date and time were determined. For exactly two plus weeks Chase gave me false information and would not honor my request. I contacted the Office of the Attorney General in Minnesota for assistance. They did contact Chase Mortgage on my behalf. Chase did give the payoff amount to the advocate that acted on my behalf. Had the Office of the Attorney General not assisted me I would still be trying to obtain the payoff amount for the loan. Chase Mortgage also added fees to the loan which were not applicable in this case.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 6th 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 Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$590.00} XXXX XXXX XXXX XXXX*** Balance : {$10.00} XXXX XXXX Balance XXXX {$3500.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXXXXXX Balance : {$590.00} XXXX XXXX XXXX XXXX**** Balance : {$10.00} XXXX XXXX Balance : {$3500.00} XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$590.00} XXXX XXXX Balance : {$3500.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1600.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX CARD Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to Experian XXXX a late payment reported by XXXX CARD. I referenced the Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) and the Truth in Lending Act ( TILA ) ( XXXX XXXX Code XXXX ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment made within the XXXX grace period : My payments were made on time, which falls within the standard XXXX grace period offered by XXXX CARD. The payments were not late, and the XXXX and XXXX late entries are inaccurate. 
Clerical error by XXXX XXXX : Despite making the payments on time, it was incorrectly recorded as late due to a clerical error. This error caused an inaccurate XXXX and XXXX late payment report on my account. 
Evidence provided : I have attached bank statements and payment confirmation receipts showing that the payments were made on time. This evidence clearly demonstrates that no late payments occurred. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and XXXX, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my XXXX XXXX and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Product: Mortgage

In XXXX, I had questions, and, requested copies of checks written in XXXX and XXXX, XXXX. They could not find the 2 checks i, and, my attorney subpoenaed, they did find a {$13000.00}, and a {$7500.00} cash withdraw, a week apart. I NEVER TOOK ANY CASH ADVANCES, ONLY CHECKS. The fraud department took a fUllman application, and, concluded it was too long ago ...? During this time, they offered a forbearance during the investigation time frame. They lied, Sent my rental property into foreclosure, didn't tell me until XX/XX/XXXX, a week after my tenant advised me of a foreclosure date, of XX/XX/XXXX, next Wednesday. I just wired them the {$4200.00} past due. I was given a court ordered, 30 day mediation time period. They received my modification /refi pkg. On XX/XX/XXXX. They claimed it was less than 38 days before the sale date, thus for, null and void. I relaxed the application on XX/XX/XXXX, because, losing/throwing applications in the trash, claiming that they never received it, is standard business policy for Wells Fargo. Retaliation for the recent fines put on them.
Product: Credit reporting or other personal consumer reports

Wells Fargo is inaccurately reporting a charged-off account ending in XXXX. I have disputed this account multiple times and requested documentation under FCRA 609, but they have failed to provide any verifiable proof of the debt, such as a signed agreement or validation.

They also continue reporting it with incorrect utilization ( 107.9 % ) and without issuing a 1099-C, suggesting the debt may have been written off while still being reported, in violation of FCRA 623. 

In addition, they are reporting my name incorrectly as XXXX XXXX instead of my full legal name XXXX XXXX XXXX, violating FCRA 607 ( b ), which requires maximum possible accuracy of personal information. 

These reporting failures have caused me real harmdenial of housing, loan rejections, and emotional distress. I have attached a formal pre-arbitration settlement letter.
Product: Credit card or prepaid card

On XX/XX/2018 I purchased a dining room set for {$380.00} from XXXX XXXX  XXXX XXXX. The next day I asked XXXX XXXX   XXXX XXXX for a refund. I never took the dining room set. On XX/XX/XXXX I did not see the refund on my Capital One credit card that I used to purchase the furniture. I called to complain to Capital One to tell them I wanted the charge removed from card. The Capital One representative said that until the store refund showed on my credit card account, she would put a credit on my account for the {$380.00}. The refund from the XXXX business did not show up until XX/XX/2018. On XX/XX/XXXX I look online at my Capital One account and saw that I had been charged again for the furniture on XX/XX/2018. I called Capital One on XX/XX/XXXX and asked them to remove the charge, because I did not receive the furniture. I talked to a supervisor and she also refused to take the charge off of my card saying that Capital One was only taking back the credit that had given me for {$380.00}. I told them I understood that, but that I still believed I should not be charged on my card for furniture I did not have.
Product: Credit reporting or other personal consumer reports

Third party agencies have shared my Non Public Personal Information, in violation of the Fair Credit Reporting Act. ( Account Balances, Charge offs accounts, etc I kindly ask Transunion, XXXX and XXXX to delete from my credit report the following information : XXXX. XXXX XXXX, charge off, as per 115 U.S. Code 1692g and 115 U.S. Code 1635 2. XXXX XXXX XXXX, charge off, as per 115 U.S. Code 1692g and 115 U.S. Code 1635 3. XXXX XXXX XXXX, collection, as per 115 U.S. Code 1692c and 115 U.S. Code 1692g and 115 U.S. Code 1681 e ( b ) 4. XXXX XXXX, collection, as per as per 115 U.S. Code 1692c and 115 U.S. Code 1692g and 115 U.S. Code 1681 e ( b ) XXXX. XXXX, charge off, as per 115 U.S. Code 1692g and 115 U.S. Code 1635 6. XXXXXXXX XXXX XXXX XXXX, Account Number XXXX, Inaccurate or false Information, affecting negatively my XXXX XXXX. 
XXXX. XXXX XXXX, Charge Off, Account Number, XXXX, as per 115 U.S. Code 1692g and 115 U.S. Code 1635 Thank You!
Product: Credit card

JPMCB Chase card added the same hard inquiry to my credit report twice. XX/XX/XXXX and it was duplicated on the XXXX of XXXX. There should only be 1 inquiry not two. Information is showing up on my XXXX credit report and probably others.
Product: Credit reporting or other personal consumer reports

My information has been compromised due to your data breach Equifax! I Demand you EXCLUDE the following TRANSACTIONS/EXPERIENCES from XXXX from my consumer report! The status reporting, and late payments are all transactions and experiences! According to 15 USC 1681a Definitions ; Rules of Construction ( 2 ) EXCLUSIONS-consumer report DOES NOT INCLUDE- ( A ) ( i ) Report containing information solely as to TRANSACTIONS OR EXPERIENCES BETWEEN THE CONSUMER AND THE PERSON MAKING THE REPORT, Also According to 15 USC 1681b-Permissible Purpose of Consumer Report, also according to 15 USC 1666bb-Timing of Payments- states late payments do not report late for any purpose, YOU MUST ABIDE by the LAW, this IS NOT TO VALIDATE IF THE ACCOUNT IS ACCURATE OR MINE, but to point out VIOLATIONS you have illegally allowed by including transactions and experiences on my consumer report that by law shouldnt be reported!
Product: Credit reporting or other personal consumer reports

Dear Experian, Subject : Second Notice Follow-Up on Charge-Off Dispute and Request for Documentation Regarding Account Number XXXX On XX/XX/XXXX I sent you a formal dispute letter regarding the reporting of the charge-off account associated with Account Number:XXXX on my credit report. In this letter, I requested the following : XXXX. Authenticated double-entry accounting records for the account. 
XXXX. Authenticated evidence, including original signed contracts or agreements, verifying the legal right to collect and report the debt. 
XXXX. A copy of the 1099-C form, if the debt has been canceled or settled for less than the full balance. 

I requested a response within 30 days of receipt of the letter, but I have yet to receive the requested documentation or confirmation that the account has been deleted from my credit report. This lack of response constitutes a failure to meet your obligations under the Fair Credit Reporting Act ( FCRA ) and 15 U.S.C. 1681i ( Reinvestigation of Disputed Information ), as well as 15 U.S.C. 1681s-2 ( Responsibilities of Furnishers of Information ) . 
Furthermore, in Johnson v. MBNA America Bank, NA, 357 F.3d 426 ( 4th Cir. 2004 ), it was determined that furnishers are required to conduct a proper investigation of disputes and verify the accuracy of information reported to credit bureaus. Your failure to respond and provide the requested documents is a violation of both your federal and state legal responsibilities. 

In light of your failure to comply, I am sending this follow-up letter to request an immediate response. If I do not receive the requested information within 15 days, I will be forced to escalate the matter further, including : Filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) for non-compliance with the FCRA. 
Pursuing legal remedies, including statutory and actual damages, as permitted by law. 
Reporting this matter to the IRS and submitting a Suspicious Activity Report ( SAR ) regarding any potential fraud, should you continue to report inaccurate or unverifiable information. 

This will be my final attempt to resolve this matter directly with you. Please respond with the requested documents or confirm the deletion of this account from my credit report by 15 Days from the Date of This Letter. 

Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX
Product: Student loan

I contacted Navient about reducing my monthly payments because they were extremely high based on my income, which was the only income of the home. I heard about the income based loan/forgiveness for public service and decided to take that route to pay off my loans. I applied for the income based loan which gave a reduced monthly payment plan for specific jobs that could be paid off in 10 years of 120 payments, as a XXXX I qualified. I provided the necessary information on-line and was given a quote. The amount I was quoted was roughly {$210.00} a month for the next 10 years, however when I got my first statement the amount due was about {$100.00} more than the already extremely high monthly payments. Example : Initial Payment- {$570.00} Reduced Payment- {$670.00}. I then put the loans back in to deferment because I could n't afford the monthly payments. I have been in and out of deferment agreements because there is no alternative payment plan. 

In addition I have loans for XXXX colleges, XXXX College and XXXX College. I have only worked at XXXX as a XXXX and no relief has been offered for my student loans. Below are a list of the XXXX : XXXX XXXX, XXXX -5 YEARS XXXX XXXX, XXXX 1 YEAR XXXX XXXX , XXXX- 5 YEARS XXXX XXXX, XXXX-2 YEARS
Product: Credit reporting or other personal consumer reports

I realized in XXXX that my information had been stolen so I called Experian to place a freeze on my credit report. Later on XX/XX/ when logging into my Experian XXXX XXXX account I went to dispute a fraudulent inquiry and realized someone had created a fraudulent Experian membership account with all of my information. I reported this immediately and faxed all of the verification requested on XXXX XXXX XXXX ( license, social and insurance bill with home address ). Experian confirmed as received and cancelled the fraudulent membership. I also requested that Membership services flag the fraudulent e-mail address and telephone number be and flagged. 
After the first fraudulent account was canceled, I enrolled with valid contact information to create a new Experian account. However, when I went to log in to the Experian account on XX/XX/ I was locked out. Someone had yet again bypassed Experian 's weak security with the same fraudulent email and telephone number that they had used to create the initial fraudulent account. 
I called Experian immediately and again requested that account be deleted and asked to flag the fraudulent email address and telephone number again and also asked that a 2 factor identification be required outside of my DOB/SS/Full Name because it was clear that my information had been compromised. 
In addition to the disregard for my multiple requests to delete the fraudulent account I discovered Experian had also allowed someone to open a fraudulent money market account with my information using that same fraudulent email and telephone number which I had requested at that point multiple times to be deleted and flagged. 
As one of top 3 credit bureaus cyber security measures should be top priority. The measures in place are close to nonexistent and showcases the total lack of concern for the welfare or safety of customers. 
Although I requested my account be flagged, I continue to receive offers from Experian to open new credit card accounts and loans with my good credit. A credit bureau that peddles credit accounts to customers with good credit rather than doing whatever they can to protect that good credit is not only unethical but also a conflict of interest. 
The back-and-forth phone calls to Experian call centers around the world is extremely time consuming, unnecessary, and frustrating. It is simple, delete the fraudulent account, flag the fraudulent email address and require 2 factor identification on the account. 
I have every phone call with Experian documented and a log of everyone I spoke, including how much time I have wasted with needless transfers back and forth to and from the same departments. With all of the time I have spent on the phone I am in exactly the same position as I was 3 months ago having to fax my verification information once again. Experian has no regard for the security of their customers whatsoever. I can probably attribute the identity theft to one of Experian 's security breaches.
Product: Debt collection

XXXX XXXX XXXX XXXX is currently reporting on my credit reports for Speedy Cash, the loan was assigned XX/XX/XXXX, I disputed it XX/XX/XXXX, the amount is showing XXXX, I have never done business with XXXX XXXX and I never had a contract with them, before I changed numbers they contacted me saying I was committing a crime and a warrant would be issued for my arrest.
Product: Money transfer, virtual currency, or money service

I created my Paypal account on XX/XX/2020, to sell two items I had, on XXXX. My first item sold on the same day XX/XX/2020, I received the payment from the buyer to my Paypal account and I shipped the item the next day via USPS, the buyer received the item and was very pleased with his purchase! The second item sold on XX/XX/2020, and the funds were immediately transferred to my Paypal account, and I shipped the item to the buy the following morning through XXXX and updated the buyer with the shipping status and the tracking number. I understand XXXX and Paypal each have a money hold policy of approximately 30 days. 
I received an email from Paypal Tuesday XX/XX/2020, saying that I can no longer do business with PayPal along with a reference number, and a brief ( and insufficient ) explanation " After a review, we decided to permanently limit your account as we found potential risk associated with it. You'll not be able to conduct any further business using Paypal ''. 
I reached out to Paypal customer service via phone this morning XX/XX/2020, to be told by the agent that Paypal was indeed going to be holding on to my funds for at least 180 days. I asked her why, and she couldn't or wouldn't give me any details ; only saying that their security team identified my account as a potential risk. The agent would not allow me to speak with a Supervisor.
Product: Credit reporting or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX I purchased 4 tickets via the XXXX XXXX website from XXXX to the XXXX XXXX for our XX/XX/XXXX vacation, we flew from XXXX Oregon thru XXXX XXXX to XXXX where we arrived at XXXX instead of XXXX due to aircraft delays. We took our family and stayed at the airport since our XXXX XXXX flight was supposed to leave to the XXXX side of the XXXX XXXX at XXXX. When we tried to find XXXX XXXX much to our dismay it had gone bankrupt without telling anyone the month before and we had to purchase tickets to XXXX via XXXX XXXX  for {$880.00} the last minute price. When we returned from our vacation we contacted USAA and filled a disputed claim where USAA opened a claim, usaa then withdrew the claim saying we did not want to continue it and the time had elapsed and to contact XXXX XXXX, XXXX XXXX statement to the public which we made usaa aware of says to take this up with the bank or credit card company. That email was on XX/XX/XXXX ... we are now trying yet again on XX/XX/XXXX via phone because they have locked the ability to dispute these transactions. We have provided USAA with local news in Hawaii showing that the airline had closed and there is no longer XXXX XXXX website. We did not receive services and and being penalized for the date I purchased airline tickets. Below is the new article with the statement from XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Currently, as a federally protected consumer Im seeking proof of the alleged debt, under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Thus, absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. The amount said that is owed at XXXX. 

I am disputing the information directly with you, the furnisher of information, and I am requesting an investigation in the FCRA Section 623. The FCRA regulates how the credit bureaus handle your report under section 611 for accuracy { 15 U.S.C. section 1681-2. Any attempt to collect this debt without validation violates the FCDPA. ( FAIR Debt Collection Practices Act ). 

806. Harassment or abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts * Please note that proper documentation is NOT a printout or bill from you but rather actual proof of the alleged debts existence ( original alleged contract bearing my signature ). Expeditious weekly updates are scheduled to be sent to the CRA electronically. Lastly, please provide evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX