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

On XX/XX/XXXX, My car insurance which is XXXX ( entity of XXXX ) electronically transferred {$23000.00} and some change to my Ally account due to my vehicle being a total loss. On or around XX/XX/XXXX, my mother wrote a check for {$25000.00} to help me pay off my next car when I did indeed buy it. I did a mobile deposit to Ally with that check. My moms bank was calling her to verify the amount and transaction but she did not call back in time so the amount was reversed from my account. She finally called her bank ( XXXX ) to let them know she indeed did write it and they informed her to let the payee know to resubmit the check. I could not resubmit the same check so she wrote another one and voided the prior check. I called to let them know the check was reversed and approximately 2 hrs later Ally restricted my entire account even after letting them know this information and also having verbal confirmation from the person who wrote the check. I even sent them documentation on where the completely unrelated insurance money came from, but they will not even release that. Due to this, i have no money to pay bills or purchase another car. I have an elderly person at home and we have no way of getting around. My motor vehicle status is in a lapse due to having plates and no vehicle and i continue to pay insurance on my totaled car so i do not lose my insurance. This is all causing extreme hardship and convenience.
Product: Money transfer, virtual currency, or money service

My funds were deposited into a virtual currency stock, yet I found myself unable to execute trades due to a potential software glitch on Robinhood. Consequently, my funds were locked in, preventing me from selling. Despite my repeated attempts to reach out to Robinhood via the in-app chat and email, I received no response. After approximately 40 minutes of frustration, I was finally able to trade the funds, albeit incurring a net loss due to the delayed action. Had I been able to trade instantly, as expected, I would not have experienced this loss.

Therefore, I am lodging a complaint with the Consumer Financial Protection Bureau ( CFPB ) against Robinhood. Should the company fail to provide a satisfactory resolution, I intend to pursue legal action. 

Below is a detailed timeline of the incident : XX/XX/year>, XXXX XXXX : Placed a buy order for {$20000.00} worth of stock. 
Between XXXX XXXX and XXXX XXXX : Made numerous email requests and in-app chat requests to Robinhood for assistance. The order remained in a pending status, and I was unable to execute trades despite having purchased the stock. I possess video and photo evidence supporting this claim. 
XX/XX/year>, XXXX XXXX : Finally managed to execute a trade, resulting in a significant loss of {$700.00}. 

As a consumer of the Robinhood app, I am entitled to immediate access to the funds in my portfolio, as per Robinhood 's terms of service. Denying me this right not only constitutes a breach of contract but also resulted in heightened stress and had a detrimental impact on my mental well-being during the 40-minute period of restriction. This is an unjust and direct violation of my rights as a user.

I demand prompt action from Robinhood to address the {$700.00} loss incurred as a result of this ordeal.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  XXXX XXXX XXXX showed paid XX/XX/2023 ; XXXX ( not my lender per their correspondence inaccurately reported my payment as late, if you are not my lender you can not claim my payment as late and report it as late ). Remove it from Credit Bureau Transunion, XXXX, XXXX as late. 

XXXX XXXX  XXXX XXXX XXXX showed paid XX/XX/2023 ; XXXX  ( not my lender per their correspondence inaccurately reported my payment as late, if you are not my lender you can not claim my payment as late and report it as late ). Remove it from Credit Bureau Transunion, XXXX, XXXX as late. 

XXXX XXXX  XXXX XXXX XXXX showed paid XX/XX/2023 ; XXXX  ( not my lender per their correspondence inaccurately reported my payment as late, if you are not my lender you can not claim my payment as late and report it as late ). Remove it from Credit Bureau Transunion, XXXX, XXXX as late. 

XXXXXXXX XXXX XXXXXXXX XXXX showed paid XX/XX/2023 ; XXXX  ( not my lender per their correspondence inaccurately reported my payment as late, if you are not my lender you can not claim my payment as late and report it as late ). Remove it from Credit Bureau Transunion, XXXX, XXXX as late. 

XXXX XXXX  XXXX XXXX XXXX showed paid XX/XX/2023 ; XXXX  ( not my lender per their correspondence inaccurately reported my payment as late, if you are not my lender you can not claim my payment as late and report it as late ). Remove it from Credit Bureau Transunion, XXXX, XXXX as late. 

XXXX XXXX  XXXX XXXX XXXX showed paid XX/XX/2023 ; XXXX  ( not my lender per their correspondence inaccurately reported my payment as late, if you are not my lender you can not claim my payment as late and report it as late ). Remove it from Credit Bureau Transunion, XXXX, XXXX as late.
Product: Debt collection

Portfolio Recovery Associates ( PRA ) operates illegally. Portfolio Recovery Associates , LLC Representing, XXXX XXXX XXXX. This company continues to harass me for an un-collectable debt. Portfolio Recovery Associates ( PRA ) may also sometimes make harassing calls. Harassment and abusive calls are prohibited by debt collection companies. Calling at " unreasonable times '' such as before XXXX or after XXXX. They use profane or obscene language during calls. I have numerous witnesses that have heard the conversations on speaker phone. This is illegal according to and under the Fair Debt Collection Practices Act ( FDCPA ), debt collection companies such as Portfolio Recovery Associates can not do the following mentioned above while trying to collect a debt. 
PRA is in violation of the Telephone Consumer Protection Act ( " TCPA '' ), using an automatic telephone dialing system ( " Autodialer '' ), for allegedly calling me on my cellphone without their prior consent. 
Portfolio Recovery Associates claims they have purchased the XXXX XXXX XXXX , XXXX . XXXX XXXX XXXX credit card account ending in XXXX from XXXX ( " XXXX XXXX '' ) on or about XXXX XXXX, 2012. I have court records of an order to " dismiss with prejudice '' on this exact account ending XXXX and same amount from another debt collector. This order is valid and I will use it in the court of law against PRA if they continue to report to the XXXX credit bureaus that the account is open and they own the account. 
They have illegally purchased an old debt from original creditors who has already written off the debt and received a tax deduction for it. I have proved in court that this debt was not mine and it was dismissed with prejudice. 
According to my most recent credit report, Portfolio Recovery Associates is currently reporting to the XXXX credit bureaus. PRA needs to remove the inquiry from the XXXX main credit bureaus, XXXX, XXXX and XXXX. The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. PRA needs to remove themselves from my credit report.
Product: Credit reporting or other personal consumer reports

I am writing once more to express my perplexity regarding your credit bureau 's handling of the investigation into the fraudulent accounts on my credit report. As you are aware, I have submitted the required FTC report to the Federal Trade Commission regarding this fraudulent account, and following this submission, XXXX and XXXX have removed these accounts from their records. I have also directly contacted the companies associated with these accounts, and they have confirmed the removal of the accounts. Therefore, I am puzzled as to why these accounts are still being reported by your bureau. It is imperative to recognize that as a credit bureau, you are legally mandated to ensure the accuracy and timeliness of your records. Failing to remove these fraudulent accounts not only violates this obligation but also exposes me to further harm. 

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

To Whom It May Concern, I am writing to formally dispute the following unauthorized hard inquiries on my credit report under my rights granted by the Fair Credit Reporting Act ( FCRA ), including Section 604 and other applicable laws : XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> Under FCRA 604 ( a ) ( 3 ), a permissible purpose is required for any hard inquiry on my credit report. I did not authorize these inquiries, nor did I initiate any credit applications with these institutions. As per FCRA 609 ( a ) ( 1 ), I request full documentation of my written authorization for these inquiries. If no such authorization exists, the inquiries must be removed immediately per FCRA 611 ( a ).

Failure to comply with this request within the legally mandated timeframe may result in further action, including reporting violations to the Consumer Financial Protection Bureau ( CFPB ) and other relevant authorities.

Please provide written confirmation of the removal of these inquiries at your earliest convenience. Thank you for your prompt attention to this matter.
Product: Credit card or prepaid card

i just received a note on acct ending XXXX saying if they so choose they can cancel my account due to disputes. I recently had my card used without my authorization. Another issue is since the pandemic many items i ordered were STOLEN. as such i disputed them i dispute being in this category of being at risk to have account closed and i want to talk to someone in authority when good for me. I have had this account many years good customer. I want more info.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the Experian credit reporting agency, block information appearing on my credit report that is the results of Identity theft, data Breach and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts XXXX XXXX : Account number : XXXX, XXXX XXXX : Account number : XXXX, XXXX XXXX : Account number : XXXX, XXXX XXXX : Account number : XXXX, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARINTG IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, DATA BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.
Product: Credit reporting or other personal consumer reports

According to the information given to us from the XXXX XXXXXXXX, they do not report the XXXXto the credit reporting agencies, per ( 17 ) ( CFR ) ( 160.7 ) ( FG1 ). Therefore, we hereby refrain from sharing our non-public personal information. Additionally, we request that you provide us with an updated privacy policy that reflects our opt out preferences and an updated copy of our credit reports from all three ( 3 ) credit agencies. See letter from Trustee Agency below. 
*************************************************************************************************** XX/XX/2024 Dear XXXX & XXXX XXXX, I wanted to correspond regarding our previous conversation on the credit bureaus, the trusteeship, and your completed XXXX case. Upon the completion of a XXXX XXXX XXXX plan the standing trustee files a Final Report and Account with the XXXX XXXXXXXX. The trusteeship does not report to nor correspond with the credit bureaus. After the Trustees final report is filed with the court, the presiding judge will discharge the trustee from the case and officially close the XXXX As the status of the case changes based on the orders from the corresponding judge, the updated status become available through the courts electronic records. It is often the use of these electronic court records through which relevant parties are made aware of the status of a particular XXXX case. In addition to the courts electronic records, each creditor listed under the XXXX  plan is also notified by the court of the discharging and closing of the case. Some of these creditors will update their own records with the credit bureaus so that the completed status of the case is reflected. 

Best regards, XXXX XXXX XXXX XXXX XXXX of the XXXX XXXX TXXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, IL XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I had paypal balance of {$25.00} and a prepaid card from XXXX of {$50.00}. I was attemtping to buy something above the price of the prepaid card and Paypal wasn't allowing me to split the payment between my balance and the prepaid card the only way I could afford it so I transferred {$25.00} from my PayPal balance to the Prepaid Card. It ended up being {$24.00} to the prepaid card after Paypal transfer fees. On XXXX it shows the same amount as a purchase and it was deducted from my account and also from my paypal account. Both companies are pointing the fingers at each other and not understanding the situation. I filed a dispute with Paypal and it was denied they told me the money was sent I filed a dispute with XXXX and they told me it takes up to 90 days and I'm sorry I'm not waiting that long. I lived on a fixed income and {$50.00} nearly that I've lost is a lot of money to me. I don't know who's fault it is its just pointing fingers on my paypal account it shows the money transfer from the Paypal balance to the XXXX  prepaid but on the XXXX website it shows a purchase from Paypal. This has to be some sort of major screw up or potential fraud on their behalf. If the card isn't loadable it shouldn't allow you to attempt to load it and outright deny it. But instead of that it deducted the money from both ends. The companies of course are playing XXXX not understanding what I'm explaining with no help at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

I FILE CHAPTER XXXX BANKRUPTCY ON XX/XX/2016 AND MY CASE NUMBER OF MY BANKRUPTCY IS XXXX. XXXX XXXX XXXX   XXXX WAS NOTIFY OF MY BANKRUPTCY ON XX/XX/2016 BY CERTIFICATE OF NOTICE FROM THE BANKRUPTCY COURT. I WAS DISCHARGE FROM BANKRUPTCY ON XX/XX/2016 OF THIS DEBT FROM XXXX XXXX XXXX XXXX. AND THEY WERE NOTIFY OF MY DISCHARGE FROM THE COURT ON XX/XX/2016. I HAVE DISPUTED THIS IN THE PAST WITH THEM AND SO FAR NOTHING HAS BEEN DONE TO COMPLETE MY ERROR. I REACHED OUT TO TRANS UNION AND THEY STATE TILL THIS DAY THEY HAVE NOT RESPONSE TO MY ISSUE AND ACCORDING TO THE LETTER THAT I RECEIVED FROM XXXX XXXX XXXX XXXX THEY HAVE NO PLANS TO FIX MY ISSUE. ACCORDING TO THE THE FAIR CREDIT REPORTING ACT I BELIEVE IF A CONSUMER FEELS THAT THERE IS ERROR ON THE CREDIT REPORT THEY HAVE LOOK IN AND FIX ANY ERROR. ON MY TRANS UNION CREDIT REPORT THIS ACCOUNT WHICH IS DISCHARGE UNDER MY BANKRUPTCY IS STILL SHOWING THIS ACCOUNT IS STILL OPEN BUT NOT CLOSE. I CALLED XXXX XXXX XXXX XXXX ON THE NUMBER XXXX AND I STATE TO THE REP WHO ANSWER THE PHONE O STATE THAT I WAS NOTIFY ON THE PHONE THAT ACCORDING TO TRANS UNION THIS ACCOUNT WAS PART OF MY BANKRUPTCY BUT THIS ACCOUNT DOESNT HAVE A CLOSE DATE AND THIS ACCOUNT IS STILL SHOWING AS OPEN. I AM NOT ASKING ASKING XXXX  XXXX XXXX XXXX TO REMOVE THIS ACCOUNT OFF MY CREDIT REPORT. THIS ACCOUNT IS DISCHARGE UNDER MY BANKRUPTCY AND THIS ACCOUNT IS CLOSE AND IT XXXX   XXXX XXXX XXXX JOB IS TO CONTACT TRANS UNION TO UPDATE MY CREDIT FILE AND STATE THAT THIS ACCOUNT IS CLOSE AND DISCHARGE UNDER CHAPTER XXXX BANKRUPTCY. SECOND XXXX XXXX XXXX XXXX   HAS THE WRONG DATE LISTED ON THE LETTER OF MY DISCHARGE OF MY BANKRUPTCY. I HAVE ENCLOSED MY DISCHARGE LETTER TO SHOW THE CORRECT DATE AND THEY NEED TO UPDATE MY CREDIT REPORT AS SUCH
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXXXXXX 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

On XXXX of 2018, I informed the finance company ; XXXX XXXX that I was refinancing my home and that they would pay off the remaining balance of the vehicle. In XXXX, XXXX finally responded and sent me the wrong payoff balance for the XXXX XXXX. The title company tried repeatedly to get the correct balance to no avail. Finally, I XXXX, the title company sent me a hard paper check in the wrong payoff amount to which i sent to XXXX XXXX, since the amount was wrong, I still owed a small balance and I paid that off in XXXX. In the meantime, XXXX marked me late 30 days for the month of XXXX, reported the late to the credit bureaus, then marked the account paid in full in XXXX!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to all of the three credit bureaus and they all said this account was accurate, but upon my investigation and research there are lot of inconsistencies and incorrect information. In accordance with the Credit Reporting act XXXX XXXX XXXX Account # 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.C 1681c. ( a ) ( XXXX ) XXXX 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 records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681sXXXX ( A ) ( XXXX ) 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 or other personal consumer reports

I, XXXX XXXX XXXX, want to clarify that this message is being sent independently and not on behalf of any third party. Recently, I scrutinized my credit report and was deeply troubled to find unverifiable, invalidated, inaccurate, and questionable entries. Your agency, entrusted with ensuring the accuracy of consumer reports, has failed in its obligation to guarantee the complete accuracy of reported information.
Product: Credit card

CFPB XXXX AS shown the CFPB closed the investigation on XXXX and failed to have Synchrony provide the SIGNED CONTRACT. All synchrony produced were statements and their written explanation. AFTER Synchrony was deciding how they wanted to charge my account and have accounting fights over their accounting fees and application of payments misapplied to which I had to call in because the charges were invalid and they removed them. Right now they still have the account open and the balance is up to the original purchase amount in fees as when I purchased originally because they say I agreed to the terms that I don't have the signed contract stating. I said send me the signed contract. Your office bailed after they sent me an accounting overview for the second time which wasn't the original main part of the complaint, it was the fact of the terms agreed to as/ I don't have a copy of the signed contract showing the original signed terms. I only have what they put on my statements after they decided to use the NEW PROMOTION that no one ever heard of before. So they charge me what they want because your office didn't listen to the fact of how I said " I need a copy of the signed contract. ''
Product: Checking or savings account

An small business company deposited a check for {$25000.00} from a real estate investment trust company - focusing on cloud and carrier-neutral interconnected data centers, with a market cap of {$48.00} XXXX- for program management services delivered under a standard purchase order and invoice process. The check was deposited at JPMorgan Chase Bank in XX/XX/year>, but the funds have not been credited to our account. Despite the check issuer confirming that the check cleared in XX/XX/year>, Chase has continuously delayed the release of the funds. 

Numerous escalations have been made to Chase, starting in early XXXX, including providing all requested supporting documents like : 1. XXXX escalation letters 2XXXX XXXX letter from check issuer 's Accounts Payable Manager certifying the checks legitimacy 3. Electronic endorsement confirmation of cleared check 4. Copy of deposited check 5. Copy of Purchase Order from check issuer 6. Copy of Invoice referencing the Purchase Order 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 11. Filing Receipt XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

These documents were uploaded to Chase 's system by their branch representatives.

On XXXX XXXX XXXX, an escalation letter was submitted, and an analyst from the Chase XXXX XXXX XXXX XXXX informed us that further checks were required. 

On XX/XX/year>, a second escalation letter was submitted, we were informed during a visit to a Chase branch that our business checking account had been closed. At the same time, Chase mentioned that a XXXX XXXX Secretary of State Business Entity search found missing information related to the companys executives and addresses, which was now being used as a reason for withholding the funds. 

On XX/XX/XXXX, XXXX phone calls were made to the XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ), where the agents confirmed that the XXXX XXXX Secretary of State does not display the missing information for XXXX. Both agents recommended that Chase contact them directly at the same number for confirmation. Additionally, they referred Chase to the FAQ section of their website, which clearly outlines this policy. 

After receiving this information, we sent another email to Chase to escalate the matter once again and informed them of the results of the call with the XXXX XXXX Department of State. 

Despite multiple attempts to resolve the matter and the clear written confirmation from the check issuer, Chase has failed to provide an alternative solution or return the funds. As a small business, these delays have put us in a difficult operational and financial position. 
Chase Claim # XXXX was provided for follow-up purposes.