23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I received a message on my phone from Citibank on XXXX XXXX stating I was in default on my Home Depot account. I immediately called the number in the message and paid the entire amount due. Then I went to look up the account at Home Depot and learned they had the incorrect address listed. I entered the correct address and tried to contact someone at Home Depot but could not. I then called Citibank to explain to them that I have not received any statements from my Home Depot account because they had the incorrect address and I wanted them to get my correct address on the file. I also said I made the payment immediately and I did not want my account to show a late payment. Citi told me they couldn't help me ; it was my problem. I pointed out that I had other Citi accounts and I had never made a late payment or missed payment and that they could not help me. I wished to get copies of the previous statements, but I was not able to do so. I have not been able to get ahold of Home Depot to help at all.
Product: Vehicle loan or lease

I purchased a 2009 XXXX XXXX about two years ago. I financed the vehicle with US Auto Credit Corp. I recently began to have mechanical issues with the vehicle. The repair costs made it difficult for me to afford my bi-weekly payments. I reached out to US Auto Credit to inform them of the situation and to find out if there were any options available to help me reduce the financial strain to avoid late payments or defaulting on the loan. The only option presented to me was a forbearance. The forbearance wasnt a good option because it would have extended my loan term. The maintenance is going to be required more frequently in the future. The forbearance only provides temporary relief. At this point Ive made over 50 bi-weekly which totals close to {$10000.00}. The interest rate is 26 %. It would be close to impossible for me to pay the car off before it died. Since US Auto Credit didnt have any other options I had to look into refinance options. Luckily my bank approved the refinance but they would only approve {$6600.00} which is the value of the vehicle. I was told the payoff amount was around {$7700.00}. I would have to pay the difference. I didnt have {$1100.00} but I really needed to do this refinance. It lowered my interest rate, payment, and term by almost 50 %. I went back to US Auto to ask if they would write off a portion or reduce my balance. They sent me a settlement offer for {$7100.00}. The loan wouldnt be reported as paid in full but as paid in full- charge off less than balance. They also said that the would issue a XXXX for the any reduction amount greater than {$600.00}. I finally spoke with a supervisor XXXX XXXX who said there wasnt much more they could do. He advised me to continue paying on the car for another year ( {$4400.00} ) and try to refinance at the end of the year. At the end of our conversation he told me that he would have upper management look at it but he was almost positive that they didnt have any other options available. He said hes never seen them offer any other options for situations like mine in the 4 years of his employment. The companys mission statement says the want to help and treat consumers with fairness and dignity. My experience has been the complete opposite. I feel like this company is taking advantage of people with less than perfect credit. I dont feel like the lending practices are designed for you to successfully pay off a loan. And when you get into a situation like mine which I feel was created by their predatory lending practices ... they dont offer viable options to help. They relentlessly demand money and refuse to offer fair resolutions ... leaving you stuck or putting a person into a worse credit situation. I was young with poor credit and I needed a car. This company took complete advantage of that. The dealer made it seem like this company would be doing me a big favor by approving my loan because my credit score was low but I was actually being lied to and taken advantage of. I can only imagine how many people have gone through this and didnt know what to do.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Inaccurate Reporting by Credit Bureaus Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint regarding inaccurate credit reporting by the major credit bureausspecifically, Experian, Equifax, and TransUnion. I have noticed discrepancies in my credit report, and despite my efforts to dispute the errors, these inaccuracies remain unresolved. 

Here are the details of my situation : Full Name : XXXX XXXX XXXX of BirthXXXX Social Security Number ( last four digits ) : XXXX Account ( s ) Affected : XXXX XXXX Account number XXXX XXXX Account number XXXX The inaccurate information includes : 1. XXXX XXXX account is reported as a settled for less on the experian report while also being reported as a settled for less was a charge off on transunion. i contacted XXXX XXXX and they provided evidence that this account paid and settled and should be showing settled not charge off. These inconsistencies and inaccuracies in reporting are violating the guidelines for credit reporting and should be deleted off my credit reports 2. XXXX XXXX account that is reported as a charge off but I was never given a 1099c which is required by the law, I contacted the bank to provide the 1099C on a phone call but all in vein. I have since disputed these discrepancies with the credit bureaus involved, but the incorrect entries remain on my report.

The inaccurate reporting is affecting my credit score, which in turn negatively impacts my ability to apply for a loan, credit card, mortgage, etc., and I am concerned about the long-term consequences on my financial health.

I respectfully request that the CFPB investigate this matter and assist in ensuring that the credit bureaus correct these inaccuracies and adhere to the Fair Credit Reporting Act ( FCRA ). The inaccurate reporting violates my rights under the FCRA, and I seek prompt action to resolve these issues.

Attached are copies of the relevant documents, including my credit report, dispute correspondence, and any supporting documentation I have provided to the credit bureaus.

Thank you for your attention to this matter. I look forward to your assistance in resolving this issue promptly. If you require any further information from me, please feel free to contact me at XXXX or XXXX. 

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

CB INDIGO : This is a credit card that I once had, closed the account and paid the balance, yet the creditor continues to report misinformation about the account to the credit bureau 's and significantly impacts my score each time. Anywhere for XXXX points, this has been happening after disputes. I believe the creditor is maliciously targeting my credit and there's not much I can do other than dispute. 

XXXX XXXX : This is a credit card that I once had, closed the account and paid the balance, yet the creditor continues to report misinformation about the account to the credit bureau 's and significantly impacts my score each time. This creditor broke my final payment so that they could report negatively on my credit report, and reporting an incorrect balance and close date. 

XXXX XXXX XXXX : I have two closed accounts with this creditor, in which, in dispute I requested that they remove the negative ratings on the closed accounts, especially since I continue to have a unsecured loan with the creditor. This negative association impacts my creditworthiness but the same creditor can issue new loans to me. The negative rating is associated with the creditor having an open payment status but both loans were paid early and closed. 

XXXX XXXX XXXX  : This creditor is reporting an incorrect, unverified, sold collection and despite disputing will not remove. 

XXXX XXXX XXXX : This creditor is reporting an incorrect, unverified, sold collection and despite disputing has not responded within the thirty day timeframe.
Product: Mortgage

Bank of America mortgage broker XXXX XXXX changed the terms of the loan and has not been replying to my email. I was charged a {$870.00} appraisal fee which never happened. The Bank changed the loan terms after we had agreed to the initial terms and signed the application. Attached are both the initial agreed upon terms and terms changed after the initial application
Product: Credit reporting or other personal consumer reports

I have been trying to get Transunion to correct my personal consumer report but they refuses and continues to furnish inaccurate and unverified information on my consumer report and file. I am in the process of taking control and securing my personal and private information. This massive data breach has exposed my information and I am very concerned with inaccuracies on my report. Please address this matter. Attached is a notices for demand Transunion to remove all items within attached notice.
Product: Credit reporting or other personal consumer reports

Hello Looking at my credit report and disputing with the 43 bureaus which have gone nowhere and now no correspondence from them, I still have discrepancies that must be removed immediately. 
These discrepancies are majorly impacting me from providing a house for my family. 
According to 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 : XXXX XXXXXXXX Account # XXXX Violating 15 U.S.C 1681 section 602 A. and 15 U.S.C. 1681s-2 ( A ) ( 1 Account XXXX XXXX Account # XXXX Violating 15 U.S.C 1681 section 602 A. and 15 U.S.C. 1681s-2 ( A ) ( 1 XXXX XXXX Bankruptcy Reference number XXXX, XXXX This has been on my credit reports for 9 years violating 15 U.S.C 1681c. ( a ) ( 5 ) I am asking for these accounts that are reporting incorrectly to be removed immediately. Thanks
Product: Debt collection

XXXX XXXX called stating that she 's sorry she took so long to contact me with information that I needed ( she called my office line ) and left her contact information with no indication that she was a debt collector or calling to collect on a debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed identity theft XXXX when tryin to by a home things came up I have sent dispute letter to credit bureaus with no response XXXX will be 30 days Address I never lived before XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Never lived here and never live in my life 2 of the address where my sister old addresses Accounts tht are not mines XXXX XXXXXXXX XXXX this account was paid in full XXXX XXXX XXXX not mines XXXX XXXX XXXXXXXX not mines XXXX XXXXXXXX not mines XXXX XXXX not mines XXXX XXXX XXXX not mines XXXX this was closed n paid please remove XXXX not mines XXXX XXXX XXXXXXXX not mines XXXX XXXXXXXX not mines XXXX XXXXXXXX not mines I have wrote the credit bureau XXXX disputing all these items and I havent gotten a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A Creditor may may not treat a payment on a credit card account hunter an open end consumer plan as late the purpose.
Product: Credit reporting or other personal consumer reports

I recently checked my credit reports and saw this specific account reporting that I do not recognize.
Product: Credit reporting or other personal consumer reports

I've tried numerous times to including hiring a company to remove and/or update information on my credit reports with XXXX, XXXX, and Experian with no results, no reasons why no results and not answers to results after more than 30 days. Its been time consuming and costly. I want these items removed.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX  # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : 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 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: Debt collection

I have continuously contacted the debt collector who refuses to honor my dispute of identity theft. I have provided all the information needed to support this including the police report and what happened when my car was broken into and all of my items were stolen.
Product: Money transfer, virtual currency, or money service

Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against Robinhood Financial , LLC regarding the unjust and unexplained restrictions placed on my brokerage accounts since XX/XX/2024. Despite numerous attempts to resolve the issue directly with Robinhood, I have encountered significant challenges, including unhelpful responses and a lack of transparency. 

On XX/XX/2024, I discovered that my Robinhood accounts were restricted without any prior warning or explanation. Since then, I have made several attempts to seek assistance from various departments within Robinhood, but each time I was met with a dismissive attitude and the following automated response : " Your case will be closed immediately, and further communication will be followed up shortly by email. '' The subsequent emails received merely reiterated Robinhood 's right to close accounts as outlined in their terms and conditions, with a vague promise of returning funds if eligible. 

Despite my continued efforts, I have been unable to reach a specialist who could provide clarification or address the questions I have regarding the account restrictions. Moreover, my attempts to escalate the matter to higher positions within Robinhood have been thwarted, as I am either met with resistance or provided with excuses as to why I can not be transferred to a supervisor or manager. 

Adding to the frustration, the date displayed on my account message regarding the account review has continuously been pushed back since XX/XX/XXXX, and as of the current date, it reads " XX/XX/XXXX. '' Throughout this period, Robinhood has failed to initiate contact or provide any updates, leaving me in the dark about the status of my accounts. 

The prolonged restrictions on my accounts have resulted in significant financial losses and a diminished purchasing power, especially during critical market conditions. I have communicated this concern to Robinhood on multiple occasions, yet the issues persist, and my questions remain unanswered. 

I am seeking the assistance of the Consumer Financial Protection Bureau to investigate this matter thoroughly and ensure a fair resolution. I request your intervention to compel Robinhood Financial , LLC to provide a clear explanation for the account restrictions, promptly address the issues raised, and release the funds held in my brokerage account. 

Thank you for your attention to this matter, and I appreciate your assistance in resolving this dispute.
Product: Debt collection

Dear National Grid ; National Recovery Agency ; I am writing to address an alleged debt that I have no knowledge of and believe to be fraudulent. I have never engaged with your companies or the original creditor, nor do I recognize any contractual obligations with them. The inaccuracies in this account 's reporting violate FCRA and FDCPA regulations. 

To resolve this, I insist on proof of this debt, specifically the alleged contract or agreement bearing my signature, and proof of your authority in this matter. Without such documentation, I demand the correction of any erroneous credit reports pertaining to this debt. 

Please provide the following promptly : Evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) for this matter.

Legal basis for your collection of this information and debt.

Evidence of your authorization to operate in this state. 
Proof of the alleged debt, including contracts or instruments bearing my signature. 
Complete account history, including collection-related charges. 
I am filing a formal complaint citing violations of my consumer rights under the FCRA and FDCPA. According to 15 U.S.C. 602 ( a ), I am entitled to privacy, and 15 U.S.C. 604 ( a ) ( 2 ) specifies that no account can be furnished without my written instructions. Therefore, I demand an immediate cessation of all communication and collection activities regarding this account. I also request the deletion of this account from my credit report due to its unrecognized status and absence of contractual obligations.

Your actions have infringed upon my rights under the following sections of the FDCPA : 1692d : Harassment or abuse in connection with debt collection.

1692e : Use of false, deceptive, or misleading representations.

1692g ( b ) : Failure to properly disclose my rights.

1692f : Use of unfair or unconscionable means to collect a debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, and I have rights under 15 USC 1681. 

Equifax is given by 15 USC 1681, and they violated my rights numerous of times. I demand the accounts listed below be removed because according to 15 USC 1681 : : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

XXXX XXXX ( account ending in XXXX ) XXXX XXXX ( account ending in XXXX ) -XXXX XXXX XXXX ( account ending in XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite my repeated attempts to have XXXX validate my debts, I received no evidence of my obligation to pay these so-call debts. These debts do not belong to me. It is the result of ID theft and reports have been filed with the FTC and local law enforcement and copies were provided to XXXX  on numerous occasions. XXXX  is in violation of the FCRA by continue to report unconfirmed, unverified derogatory accounts on my credit file.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Request for Account Information ( Account Number : XXXX ) Dear Sir/Madam, I am writing to request specific information regarding my account with Hunting National Bank . To ensure accuracy and clarity in my financial records, I kindly request the following details : 1. The date of last payment on the account.

2. The date the account was charged off.

3. The date of the first delinquency.

Please provide this information in writing at your earliest convenience. If there are any fees associated with processing this request, kindly inform me beforehand. 

Should you require any additional information or documentation to locate my account, please do not hesitate to contact me at XXXX Thank you for your attention to this matter. I look forward to your prompt response. 



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

According to the Fair Credit Reporting Act 15 USC 1681 section 602a states - " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Transunion is a consumer reporting agency and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 The financial institution and the Consumer reporting agencies do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent whether it be verbal, non-verbal, written, implied or otherwise is revoked.

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. '' I was never informed of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Transunion is not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. 

The following accounts are in violation of my consumer rights and shall be REMOVED 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  The following accounts are in violation of my consumer rights and shall be REMOVED IMMEDIATELY!
Product: Credit card or prepaid card

I filed a complaint and dispute with Bank of America they found that it was 100 % in my favor and if my money was supposed to be deposited immediately however I've had been having trouble for the last 15 days receiving my money back from Bank of America now yesterday XX/XX/2020 the claim says resolved and paid this is fraud nothing has been resolved and nothing has been paid and nobody knows nothing at Bank of America they say they can not access my account to be able to help me