23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX To : Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX XXXX Consumer Assistance XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Demand for Business Account Update & Legal Name Recognition To Whom It May Concern, This letter serves as my formal demand that your agencies immediately update my records to reflect that my credit file is associated with a business account under the name XXXX XXXX XXXX. My previous name, XXXX XXXX XXXX, is a DBA ( Doing Business As ) and is no longer to be classified under a personal credit profile.

I have provided the court-ordered name change documents, the assumed business name filing, and my legal identification. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Consumer Financial Protection Bureau ( CFPB ) regulations, you are legally obligated to maintain accurate and complete information in both consumer and business credit reports.

Applicable Legal Provisions Supporting My Demand : FCRA 611 ( 15 U.S.C. 1681i ) Requires credit reporting agencies to investigate and correct inaccurate or incomplete information when a consumer submits valid documentation. Your failure to update my name and account status after receiving verified legal documents constitutes a violation. 
FCRA 623 ( 15 U.S.C. 1681s-2 ) Mandates that data furnishers and credit reporting agencies accurately report information related to identity and credit files. Misclassification of my business name as a personal account is an actionable violation under federal law. 
12 C.F.R. 1022.42 ( CFPB Regulation V ) Governs the accuracy of information in credit reports, explicitly requiring reporting agencies to properly classify consumer and business accounts to prevent misleading or false reporting.

12 C.F.R. 1002.6 ( b ) ( 8 ) ( ECOA Equal Credit Opportunity Act ) States that credit institutions must recognize a legally changed name when proper documentation is provided.

Since I have provided legal proof of my name change and business registration, you have no legal justification for failing to update my credit profile to reflect my business status. If you continue to misrepresent my identity and account type, you will be in willful noncompliance under 15 U.S.C. 1681n, exposing your agency to statutory damages, punitive damages, and attorneys fees.

Final Notice Before Legal Action If you do not update my name to a business account within 30 days of receipt of this letter, I will proceed with legal action, including : Filing a formal complaint with the CFPB Filing a federal lawsuit for FCRA violations Seeking statutory and punitive damages for willful noncompliance I expect written confirmation that this update has been completed no later than XX/XX/XXXX. 

SincerelyXXXX 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

I received the letter from BoA saying they were going to send my New Credit Card, for which I never applied. Bank of America close the account after receiving my call complaints, but refused to investigating who issued the card. Even if that information is critical to breach my financial privacy. And also, Bank of America did not voluntarily offer that they will make sure the credit card account NOT to be recorded in my credit report.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX Robinhood ( robinhood.com ) placed a restriction on my account when I went to transfer the balance of my bitcoin from Robinhood and into a wallet. This is seen in the screen shot with the transaction history and the " Failed '' transfer, which was the beginning of the restriction. On the website the notification indicated that my account would be reviewed by XX/XX/XXXX. All week I continued to log in, check my balances, and see if the restriction was lifted. On the XXXX the notification asked for invasive amount of personal verification : front and back photo of my license, selfie front and sides, and a photo of a bank statement from an account from which I had originally transferred money into Robinhood. It seemed excessive and invasive, but wanting to free up my account, I complied. The on-screen prompt confirmed my documents would be reviewed for removing the restriction, again by XX/XX/XXXX. 

It's now XX/XX/XXXX and the account is STILL locked, with the error notification indicating the restriction date is moved out to XX/XX/XXXX. 

I tried calling Robinhood only to find only an automated recording directing callers back to the website chat to request a phone call, then disconnects. The website chat ( which seems to be only available on desktop ) does not provide a place to enter text, just to click on a pre-written response accepting the situation. 

Never has any bank withheld my money or asked for more than a 2-step verification top grant access. It seems more like an ongoing Hostage situation and is deeply inappropriate!

Regarding attachments- I advise anyone to take more screen shots than you think you need. I failed to when submitting the ridiculous documentation, or any confirmations from Robinhood ( If there were any, I don't remember ), or their XX/XX/year> promise, and 100 % regret missing those.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX Experian Dispute Department po box XXXX XXXX, TX XXXX Dear Experian Dispute Department Inaccurate Credit Reporting ( 15 USC 1681s2 ) To whom it may concern, I am writing this letter to inform you that I have notified the credit bureaus of misreporting by your company in accordance with the Fair Credit Reporting Act. According to which, as the furnisher of the information in question, you have a grave responsibility of maintaining the accuracy of that information. 

The following accounts : XXXX XXXXXXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX Account XXXX : XXXX XXXX Bank Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXXXXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX/XXXX  Account Number XXXX XXXX XXXX/XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXXXXXX is reporting a balance when it is my understanding an reason to believe that because this debt was charged off by you that is was memorialized with a Form 1099C as proof or evidence thereof. And that because of that fact, this debt is cancelled and at least should not reflect the balance that is currently showing on my consumer file. 

This would indicate inaccurate reporting on your behalf and therefore is a violation of the FCRA by you the furnisher to continue to report this inaccurate information. Especially with the actual knowledge, notice and confirmation of the errors. 

I would demand that the accounts be removed from my credit report completely to avoid any legal recourse or action on behalf of myself by retained counsel. 

Thank you in advance, XXXX XXXX
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law.. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$990.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Owed : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$1000.00} XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX Owed : {$990.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received my credit report and noticed unauthorized items that shouldnt be reporting to my credit profile
Product: Credit reporting or other personal consumer reports

I need to emphasize that this issue is not a simple mistake. The inaccuracies on my credit report have been deeply troubling and continue to negatively impact my life in ways that are hard to describe. These are difficult times, and the stress from these errors is overwhelming.
Product: Credit reporting, credit repair services, or other personal consumer reports

UNABLE TO CANCEL TRIAL MEMBERSHIP FOR CREDIT MONITORING AND FREE CREDIT REPORT : on XX/XX/2018 at approximately XXXX PDT, based on receiving 9 email alerts and one text from XXXX that a security and monitoring issue had occurred with my personal financial information. As such, I ordered a credit report through Experian online via a 7-day trial for {$1.00}. When I proceeded to cancel the membership, as directed on their website, I was instructed that had to be done by phone. When that call was placed, via their voice automated system at approximately XXXX XXXX, the system announced the wait would exceed OVER TWO HOURS! It has now been 55 minutes, and this is a completely unacceptable situation in an attempt to cancel further " membership '' charges. I have also put this cancellation request in writing which will be placed in the mail today.
Product: Credit card or prepaid card

I am currently being sued for a fraudulent interest and fee attachments by Capital One Bank Corp. I have continually disputed these charges of Interest and Fees because Capital One Bank hidden the account charges until interest and fees were accrued. Capital One Corporation representatives claimed that I requested a " paperless '' account statement. When in fact, I never authorized paperless statements from Capital One Bank ( I never use paperless statement and I always validate my charges from written/ paper statements ). This dispute has been going back and forth for the last three years (? ). At one point, I managed to negotiate a settlement but it was rejected because I demand they restore my credit and Capital One Corp expunge bad debt charge with all credit rating agency. They repeated kick-back the settlement and rejected my " full '' settlement payment.
Product: Credit reporting or other personal consumer reports

I am writing to raise serious concerns regarding several issues I have encountered with the credit bureau, including false account entries, unauthorized inquiries, inaccurate credit reporting, billing discrepancies, and accounts that do not belong to me.
Product: Student loan

I applied to change from the XXXX plan to another XXXX plan so that I can start making payments on XX/XX/XXXX. XXXX told me they forwarded the request to Mohela on XX/XX/XXXX. My account should have been placed on a processing forbearance, which should have granted me 60 days of time that counts towards XXXX. As of XX/XX/XXXX my account is at XXXX payments. I simply need XXXX more to qualify for discharge. That 60 day time delay would put me at exactly XXXX. I can't get Mohela on the phone due to excruciating wait times ( XXXX to XXXX hours! ). It is unfair that I should have my account in limbo with no available actions. I want to make my payments and achieve XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested numerous times to get these disputes removed off my credit reports, they are keeping me from getting approved for my mortgage to purchase a home. I have already submitted complaints XXXX / XXXX / XXXX. I have contacted XXXX, XXXX, and Transunion to please removed these disputes from my credit reports, they have said that it was done, but it is not. Please help me to get these disputes removed from my credit report, I am past frustrated and tired of talking to these companies about getting these disputes removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

These companies are in violation of 18 U.S. Code 1028A. Also, 15 USC 1681 section 602 A states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an 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.

Also, they aren't even in compliance with Metro 2 credit reporting. I have evidence to prove my case!
Product: Checking or savings account

There were a lot of money missing from my checking account and unidentified charges to my account. There was also a dispute that was made where I gave them proper documents and provided police report and the bank still kept my money. I am missing XXXX from my checking account with Wells Fargo and they close out my account saying I owe XXXX.
Product: Debt collection

XX/XX/2020 to current. I have been requesting from Professional Finance for validation of debt and to cease and desist all attempts to collect this alleged debt until it has been validated. The companies has failed to comply to the request and have violated my consumer rights.
Product: Mortgage

Our authorization was faxed XX/XX/XXXX. 

On XX/XX/XXXX I spoke to a rep who said they had received our authorization and there was no foreclosure date scheduled. 

On XX/XX/XXXX we also faxed and emailed the Purchase Agreement, HUD, Buyers LLC Docs and Buyers Proof of Funds. 

XX/XX/XXXX we called in to make sure they received the offer documentation. We were told SLS will not review the file for a short sale since it was received less than 45 days before the auction date..Suddenly there is a foreclosure date of XX/XX/XXXX? AND they are refusing to work on the short sale? 


I want SLS to work on the short sale as there was no foreclosure date when the offer was submitted.
Product: Credit reporting or other personal consumer reports

I have not supplied under the doctrine of estoppel by the silence of Engelhardt v Gravens ( mo ) 281 SW715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXX XXXX  XXXX balance {$520.00}, XXXX XXXX, XXXX balance   {$130.00}, XXXX XXXX XXXX balance {$0.00}, XXXX XXXX XXXX balance {$0.00}, XXXX XXXX XXXX XXXX balance {$4100.00}, XXXX balance {$950.00}, XXXX XXXX XXXX balance {$270.00}, XXXX XXXX balance {$0.00}.
Product: Credit card or prepaid card

Per the credit reporting company an individual credit card was opened using my name and social security number. 

BB & T XXXX, NC opened XX/XX/20 no balance as of XX/XX/20 credit limit {$15000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion, XXXX, and XXXX  are showing the only ADVERSE ACCOUNT on my credit report to be a XXXX XXXX credit card which I do not have and have never had, a XXXX XXXX credit card. 
On a phone call with XXXX they confirmed that the SSN for the XXXX XXXX account did not match my own but they have not removed the false information from my credit report. I have made the same complaint to Transunion. They know the charge is not mine but have yet to remove it. 
It has been almost a year since I have contacted them and they still have yet to remove the data from my report. 
These agencies have caused me serious distress and have lawlessly disobeyed the requirement to remove false data within 30 days of confirming the inaccurate information.
Product: Credit reporting or other personal consumer reports

XXXX credit agency has violated my rights as a consumer in regards to reporting inaccurate, outdated and misleading information about me. 

i tried contacting the company in the form of a dispute but my pleas have been ignored i informed the company that they are reporting outdated and inaccurate information on me and i asked them to correct the information because its affecting my credit worthiness the company has XXXX different names with different spellings XXXX different addresses my deceased husband is still listed on my report causing me XXXX  and XXXX XXXX, XXXX different employers and literally hundreds of inquires that i never applied for, i explained that i was affected by the transunion data breach and that my information was compromised and requested that they delete any inquiry that isnt attached to an open active account
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX money was accidentally transferred to an old inactive bank account. Now CashApp isn't willing to assist me with getting back {$800.00}!!!
Product: Mortgage

This is not a duplicate complaint so do not mark it as that! I have been in the process of a modification for over half a year, a process that takes no more than 30 days to finalize. I have sent in all documentation in a timely manner to be reviewed for a modification and PHH Mortgage has yet to review my file. Please see the detailed notes below as well as the letter that I sent in. 

XX/XX/XXXX, XXXX XXXX NOTE [ n ] - Called PHH to f/u on modification, rep XXXX ID XXXX XXXX said that as of XX/XX/XXXX a request for mortgage assistance packet is needed. I asked to speak with a supervisor as we have been told multiple times that he is in full review for a modification. Rep said she could not transfer me to a supervisor and could not give me a direct line to call the relationship manager and could not give me the relationship managers email address. I told her that I need to speak with a supervisor TODAY. She said she can schedule an appointment for a week from now. I told her again that I needed to speak with a supervisor TODAY as ever time I schedule an appointment, my relationship manager never calls me, and if I do receive a call, it is from someone in XXXX or the XXXX letting me know my relationship manager is not available. The rep hung up on me after that. 

XX/XX/XXXX, XXXX XXXX NOTE [ n ] - Called PHH to f/u on Mod, said it was still in review. Asked to speak with a supervisor, none available. Scheduled call back for tomorrow. Said documents were received XXXX. Said a supervisor will call tomorrow and make sure underwriting is reviewing. 

XX/XX/XXXX, XXXX XXXX NOTE [ n ] - Called PHH to f/u on appeal, rep # XXXX said that as of XXXX that the mod packet was complete. 

XX/XX/XXXX, XXXX XXXX  NOTE [ n ] - Called PHH to f/u on appeal, docs were received, sent a note to underwriting saying the dox were received. Scheduled appointment for XX/XX/XXXX @ XXXX XX/XX/XXXX, XXXX XXXX NOTE [ n ] - Sent in Quarterly Profit & Loss statement along with Signed & dated letter stating XXXX does not receive any income. 

XX/XX/XXXX, XXXX XXXX  NOTE [ n ] - Called PHH for update on Appeal as relationship manager never called. Agent ID # XXXX said that the appeal was received yesterday XX/XX/XXXX. Asked to be transferred to loss mitigation. Said there is missing items : -2 recent bk statements OR -quartely profit & loss statement XXXX  : -signed & dated letter stating no income BY XX/XX/XXXX Scheduled and appointment with Relationship manager XXXX on XXXX @ XXXX XXXX AM NOTE [ n ] - Sent appeal letter to XXXX *** XX/XX/XXXX, XXXX XXXX  NOTE [ n ] - Called PHH to f/u on modification, rep ( XXXX # XXXX ) said that as of XX/XX/XXXX that the mod was denied. she was unable to tell me why. Said she will send the letter to me via email. Also said that he is eligable for a modification if we wanted to do a financial interview over the phone.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint against Experian for failing to comply with the requirements set forth in the Fair Credit Reporting Act ( FCRA ), specifically XXXX USC XXXX ( b ), XXXX USC XXXX, XXXX USC XXXX ( 5 ), and XXXX XXXX XXXX ( c ). I have attempted multiple times to resolve inaccuracies on my credit report through formal dispute letters, but Experian has failed to adequately investigate and correct these errors. 
I have read about the recent lawsuit filed by the CFPB against Experian for sham investigations into consumer disputes and re-inserting incorrect information into consumer credit reports. Based on this lawsuit and my personal experience, I believe that Experians actions are in violation of the FCRA, and their failure to properly investigate and address the inaccuracies on my credit report is causing significant harm.
Product: Student loan

I write to complain about the debt collection conduct of XXXX, XXXX XXXX, and XXXX loan servicing. I owe about {$30000.00} on a private student loan I took out with XXXX to attend XXXX school in XXXX XXXX XXXX. I graduated in XX/XX/XXXX, and was working in the XXXX XXXX XXXX XXXX XXXX XXXX when I XX/XX/XXXX XXXX XXXX The injury occurred two years ago, and as a result I had to stop working. I got XXXX, and, only now have been able to start looking for a job. I have used up my savings as well as the financial good will of my friends and family to maintain payments on these loans. As of XX/XX/XXXX, I no longer can pay the loans. <P/>I called XXXX well before XX/XX/XXXXand advised them of that i was running out of savings and income and that i would need some sort of accommodation until i could find work. XXXX told me I was only entitled to 12 months of forbearance and that I had already used that up sometime during the 9 or 10 years that I have been in repayment. XXXX began calling me in XX/XX/XXXX, telling me i was late on my payment. Every time they called I explained my XXXX XXXX and how it stopped me from working and that I had used up my savings. XXXX then transferred the case to a new servicer, XXXX. XXXX began calling onXX/XX/XXXXXX/XX/XXXX, demanding that I make payments. I continued to explain my financial situation, and asked if there were any options to help. The answer was no. XXXX has since called relentlessly, sometimes several times a day, telling me this isnt a debt you can ignore, and threatening to report me to the credit agency. <P/>I have similar problems repaying loans held by XXXX XXXX.. XXXX gave me one-month forbearance for XX/XX/XXXX, but says I must make six more months of payments before I can access the remaining 3 months of forbearance. This is not possible.