23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I am writing to file a formal complaint against Robinhood Financial LLC for unjustly freezing my account and withholding my funds without proper justification. This action occurred immediately after I attempted to transfer funds from my Robinhood account back to my original bank account on XXXX. This account freeze has left me unable to access my own money, which I had originally deposited with full trust in their platform. 
Approximately XXXX months ago, I transferred funds into my Robinhood account without any issues. However, when I recently attempted to transfer a portion of these funds back to my original bank account, Robinhood immediately froze my account. There was no warning, no communication about any alleged issues, and no valid explanation for this freeze. It seems Robinhood is perfectly happy to accept deposits from my bank account, but when I try to move my money back, they freeze my account without justification.

I have repeatedly contacted Robinhoods customer service, yet they have failed to provide any meaningful assistance or reason for the freeze. It is completely unacceptable and feels like I am being blocked from accessing my own funds without a legitimate basis. The only explanation they have hinted at is fraud prevention, but I have not been informed of any suspicious activity, nor have I violated any terms of service.

This lack of transparency and improper handling of customer funds is both infuriating and deeply concerning. I believe Robinhood is engaging in unethical practices by allowing money to flow into accounts but then restricting customers from withdrawing their own funds when needed.
Product: Credit reporting or other personal consumer reports

Transunion is failing to uphold their responsibility of deleting information that is inaccurate after being notified why such information is inaccurate. They are blatantly disregarding the law by reporting this false information.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of # # # XXXX. Personal Information Disputes The following items in my personal information section are inaccurate : - Name : ** XXXX XXXX - Employer : XXXX XXXX XXXX  - Date of Birth : ** XXXX - **Incorrect Address : ** XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX Please update my record to reflect only the correct, verified information. 
# # # XXXX. Account Disputes I am disputing the following accounts as they contain inaccuracies and XXXX not meet verification standards : - XXXX - Account Number : XXXX - XXXX XXXX Account Number : XXXX - **Self / Lead** - Account Number : XXXX - XXXX XXXX  - Account Number : XXXX Each of these accounts should be reviewed for compliance, accuracy, and documentation as outlined in the FCRA. 

# # # XXXX. Inquiries Dispute The following credit inquiry appears inaccurate or unauthorized : - XXXX - XXXX Date : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Company continually displays incorrect information on my account, an account was paid in full and closed and now they are trying to report it as XXXX  months delinquent. Another account was inaccessible for months to make payments and they also reported that as delinquent. I called multiple times attempting to pay, but it is common knowledge their system was down for a long time and my account was being reported incorrectly.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, XXXX, and XXXX credit XXXX XXXX XXXX XXXX and remove information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of t multiple fraudulent accounts appearing on my consumer report which I do not recognize as reported and which are the results of identity theft and fraud. I will list the fraudulent accounts, XXXX  on XXXX account XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX, XXXX XXXXXXXX XXXX on XXXX account XXXX XXXX, XXXX XXXX XXXX on XXXX account XXXX XXXX, XXXX on XXXX account XXXX XXXX, XXXX XXXX on XXXX account XXXX XXXX. These accounts have resulted in several fraudulent inquiries, collections and charge offs on my XXXX credit report. I demand that the aforementioned fraudulent items be removed from each consumer credit report and all the collection activity related to said items cease pursuant to my rights within the FCRA and the FDCPA laws. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me.
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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or 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

I am reaching out because I am at a complete loss right now. I am attempting to get a mortgage and my credit reports show I have 9 missed payments to my student loans. When I investigated this further it shows I have 2 missed payments from XX/XX/XXXX and 7 missed payments from XX/XX/XXXX. I disputed this with the credit agencies and they came back and stated that they verified the information and they can not remove it. I then requested my student loan status history. For all 9 of the reported missed payments I was in economic hardship deferment. I was in deferment XX/XX/XXXX to XX/XX/XXXX and also XX/XX/XXXX until XX/XX/XXXX. The missed payments being reported fall within these times of deferment. I wrote a letter and attached supporting information to Aidvantage and they wrote a letter back stating that I am still responsible for the missed payment and they can not retract the negative mark from my credit. I have been so stressed out about this! It does not seem fair that while I was in economic hardship deferment they can " kick me while I'm down ''. I then called Aidvantage credit reporting line on XX/XX/XXXX right before I wrote this email and while the guy I spoke with understood and agreed with what I was saying the only advice he could offer me was to write a letter to Aidvantage. I explained that I did that already and he stated there was nothing he could do. 

I am hoping that you can help me get this resolved or point me in the right direction. I am a single mother and have XXXX  small kids and I really just want to provide a house, a place they can grow up, and I am being haunted by missed payments that should never have been reported in the first place.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 at XXXX I called TransUnion to asked to speak to the fraud department. Once connected I explained how TransUnion is reporting inaccurate information on my file and how it's fraudulent. I explained to the agent that I have already had the Public Record removed from XXXX and XXXX and the documents that I sent them. I explained that I have also provided the same documentation to TransUnion as the other agencies and the Public Record has since been removed. The agent at TransUnion proceeded to tell me that I needed to go to the court and ask to have the public record expunged. I proceeded to ask the agent how can I get a letter for a Public Record for a bankruptcy that does belong to me.
Product: Credit reporting

Recently, I have checked my credit report and found XXXX negative items in relation to a 1 year lease with the XXXX XXXX. There are XXXX amounts of {$3500.00} and {$4400.00} in collection with the XXXX XXXX XXXX. I fulfilled all my lease obligations with the XXXX. My monthly rent was {$980.00}. The same building complex was hit with XXXX Code violations by the City of XXXX in 2011. By the way, they have changed their name to Sphere now. The building is still violating housing rules and regulations. I want these items removed from my credit report. I do n't owe them, and they have not returned my security deposit.
Product: Credit reporting or other personal consumer reports

Names and addresses are wrong on credit report And I have inquiries on report that I never aurthorize
Product: Credit card or prepaid card

For 3 months now I have not been able to login to my online account. Have called multiple times where representatives have tried to delete my registration but have not worked. Everyone just says they cant help me. Can not even make payments using the website.
Product: Credit reporting or other personal consumer reports

I sent a letter onXX/XX/XXXX and asked them to investigate the completeness and accuracy because I found that some things are inaccurate and not complete. I received the results and noticed they did not fix nothing. There are breaking Federal law According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
According to 15 USC 1681 ( 5 ) it states this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and i ) promptly notify the furnisher of that information that the information has been modified ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. 
This is unfair and if they are doing this to me imagine who else they are doing this too.Can you fix it
Product: Debt collection

LVNV Funding, LLC is in violation by federal law of 15 U.S. Code 1692c ( a ) Communication with the consumer generally- Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. I did not give consent. This company in violation of 15 U.S. Code 1692g a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice. I was given a written notice in five days of initial contact. Also this company is in violation of 15 U.S. Code 1692d where states a debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Therefore I did not give this debt collector permission to contact nor did this agency was apart of original agreement with original creditor. Therefore the communication is harassment. See attachment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2020 I have been in a constant resistance from the credit bureaus and collection agencies involving none responses from disputes stemming from myself who has been a victim of identity fraud. FTC report # XXXX and report # XXXX included specific, detailed, information regarding fraudulent related accounts appearing on my credit report. I have not received any correspondence in regards to claim and it has been well over 30 days. There are several fraud related collection accounts ( Caine & Weiner, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ) that are appearing randomly on my credit report without me have receiving any INITIAL 5 DAY NOTICE of a collector obtaining a debt. These accounts were not listed on my credit report in XXXX of 2020 and but yet are appearing on my report to this day. In addition XXXX, XXXX, and XXXX  has not removed the FRAUDULENT ADDRESSES from my credit file as per requested either which is a deliberate refusal to honor a consumers request. are some of the accounts that were opened due to identity fraud that still remain on my credit file. Under the Fair Debt Collection Practice Act ( 1692g ( a ), Fair Credit Reporting Act and Fair and Accurate Credit Transactions Act per sections 605b, 609, 611, & 623 my rights have been violated. I am familiar with the law due to my own research so accusing me of using a credit repair company is unjust and won't hold up in court. Your data furnisher or metro 2 verification system only uses general information in formats of codes ( name, social, date of birth, address ) meaning any individual with access to that information would be able to pretend that they are me and easily commit identity fraud. Since XXXX, XXXX, and XXXX  has all violated my rights and I have specific proof, I've given them the opportunity to remove these accounts or my information will be forwarded to a consumer attorney for legal proceedings.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wakefields and Associates is on my collections report for an old doctor visit that was written off by the hospital as " XXXX XXXX ''. The hospital wrote the bill off due to my financial standing at the time being a college student and now Wakefields ( third party debt collection ) bought the unknown about debt from the hospital and is asking me to make a payment on a bill. Once they contacted me, I asked them for documentation that they had proper paper work and they can not provide information of the bills. This account has no legal right to be on my credit collections.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, NY, XXXX XXXX XXXX XX/XX/year> Source Receivables Management , LLC XXXX XXXX XXXX XXXX, NC, XXXX Re : Request for Debt Validation and Assignment Contract To Whom It May Concern, I am writing in response to your recent communication regarding the alleged debt referenced below. Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting validation of this debt, including proof that you have the legal right to collect on the debt. Account Number : XXXX Amount Owed : {$1700.00} As part of the debt validation process, I request that you provide the following : The complete details of the debt, including the amount owed and the dates of the debt. An original copy of the contract bearing my signature. A copy of the assignment contract or any document showing that the original creditor has legally assigned the debt to your agency for collection. A detailed statement of the account showing any payments made, interest added, or other adjustments from your agency as well as the original creditor Proof that your agency is licensed to collect debts in my state. Please note that I request this information within the XXXX period allowed by law, and I am exercising my right to dispute this debt until the requested validation is provided. Should you fail to provide proper validation, I will expect that this matter be resolved in accordance with the FDCPA, including cessation of further collection efforts. I have made multiple attempts to obtain this information from your company. 

Thank you for your cooperation. I look forward to receiving the requested documentation. 

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

Attached you will find screenshots of 15usc1681a I need all inquiries deleted permanently from my reports as well as any closed accounts and information that is not updated on all 3 bureaus the same way This includes XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX And any other information that goes against the consumer me
Product: Credit card

I booked a flight in XXXX using XXXX points with my chase card. 

The flight was canceled at the airport due to a maintenance issue ( airline 's fault ). The credit card company received the refund instead of me, and has not given me a refund for the last 4 months. They gave me assurances that they were creating a case and were going to refund me within 1 month back in XXXX ( they didn't ). I called again today and they still couldn't refund me the points even though they previously assured me I would get my refund. 

I feel like I was stolen from by the credit card company and airline company, left with lots of damages from this experience ( XXXX never responded to the complaint letter that I submitted about this experience ). 

Chase case numbers and XXXX  refund numbers were provided but no satisfactory resolution was commited to by the company. I feel I need to sue them to get my refund. Beware using points because the credit card company doesn't offer any resolution when things go wrong...
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get Equifax to correct the incorrect information on my report since XXXX. Equifax stated it was corrected. I recently applied for a refinance for my mortgage and the SAME ERROR WAS ON THE EQUIFAX REPORT -- NOT ON ANY OTHER REPORT. 
IN ADDITION -- THE ERROR MADE INDICATED I HAD A XXXX XXXX CHARGE CARD WITH OUTSTANDING BALANCES. 
I DO NOT NOR EVER HAD A XXXX XXXX CHARGE CARD. AND THIS COINCIDES WITH THE DATES OF THE DATA BREACH OF XXXX XXXX CREDIT CARD FRAUD JUST IN THE NEWS TODAY XX/XX/XXXX THIS HAS OBVIOUSLY GOING ON SINCE AT LEAST XXXX. 

AND EQUIFAX ALSO HAD ME LIVING AT ADDRESSES I HAVE NEVER LIVED AT UNDER NAMES I NEVER HAD. 
PLEASE ADD THE XXXX XXXX INFORMATION TO THE CLAIM I SUBMITTED XXXX. AS STATED EARLIER, I HAD CONTACTED MY STATE CONGRESSIONAL SENATOR WHO ALSO TOLD ME EQUIFAX HAD ASSURED HIM THE ERROR WAS CORRECTED. THIS WAS IN XXXX. I HAVE LETTERS FROM SENATOR XXXX XXXX -- STATE OF CONNECTICUT IT NEVER WAS.
Product: Credit reporting, credit repair services, or other personal consumer reports

Refuses to remove inaccurate XXXX information. XXXX has removed it, so should this reporting agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked again my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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, credit repair services, or other personal consumer reports

The following accounts are reporting inaccurate XXXX  days late. I was never XXXX days late on the following accounts : XXXX XXXX XXXX XXXX  days in XX/XX/XXXX XXXXXXXX XXXX XXXX  days in XXXX, XXXX, XXXX and XX/XX/XXXX 2020
Product: Credit reporting or other personal consumer reports

I contacted Equifax on behalf of my credit file merging with someone else 's credit file. I contacted them around XX/XX/XXXX and again in XX/XX/XXXX. In Both times I contacted Equifax I have undergone an extensive identification process by answering security questions, spelling the correct spelling of my name, and also sending in verified bills, driver 's license, and social security card. On the phone each time I contacted Equifax, I was told that the information was either requested to be removed or removed from my file. I asked Equifax to send a corrected Credit Report to my home address which I never received. About XXXX days later around XXXX or XXXX of XXXX, I tried to pull my credit file via online at Annual Credit Report.com , Upon inserting my information to check the updated information on my credit file. I was unable to obtain my credit report and advised me to contact Equifax. On XX/XX/XXXX I reached out to Equifax via phone to verify myself via Drivers License and photo evaluation verification and was told the same information was still showing on the credit file, Again I disputed the information throughout the waiting process I was not contacted by Equifax no updated credit report was sent and I still had no access to pulling credit report from Equifax and either XXXX or XXXX. On XX/XX/XXXX I contacted Equifax via phone and spoke to yet another representative verifying myself as such, my Drivers License and picture verification process where the representative stated she saw in the system where I sent in the proof of identity and requested the merged name be removed from credit file and request to update the name on my credit file. She confirmed bill and social security card were in the system yet she could not update the address or remove/ dispute any other items on the credit file until I sent yet another bill/ proof of address i asked to speak to a supervisor and the telephone line was disconnected. I am very irritated and frustrated I have 3 children and this circumstance is causing severe hardship i have done all I can do on my part by providing Equifax with all the information requested so this issue can be fixed and yet has to be fixed. Per FCRA Equifax has violated the Fair Credit Reporting Act by mixing my credit file with someone else 's, refusing my rights as a victim by not updating the inaccurate information on the credit file, still reporting wrong and misleading information on my report, and failing to correct or remove errors. On XX/XX/XXXX I was able to get in my Equifax report and dispute name discrepancy confirmation # XXXX The name still shows on credit file and contacted Equifax on XX/XX/XXXX which also verified information over the phone with a docusign that was sent via email to send social security card and ID, confirmation for dispute # XXXX. XXXX provided case # XXXX for phone call.