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

On XX/XX/year>, my Robinhood investment accounts and checking was restricted for no reason whatsoever. They gave me a claim number to call for cases like these but every time I call and get on the phone and wait in line for XXXX hours+ and once its my turn the call drops, every time. And since my account is restricted, I cant access the main support chain which is through the mobile app. I have over $ XXXX in those accounts just restricted and its causing me financial distress and harm. Their customer support is so bad I had to reach out to them via social media but I still havent gotten any aid. 


I am writing to file a formal complaint against Robinhood Money LLC for the unauthorized restriction of my Robinhood Spending Account. On XX/XX/year>, without any proper authorization or notice, my account was restricted, leading to severe financial distress and infringement on my rights. This action violates my rights under federal consumer protection laws and the principles of equity. The restriction of my account without due process infringes upon my innate right to the pursuit of happiness and may constitute a violation of consumer protection laws. I request that the CFPB investigate this matter and take appropriate action to ensure that Robinhood Money LLC complies with all relevant consumer protection regulations. Thank you for your immediate attention to this issue.
Product: Checking or savings account

I received a phone call from Bank of America about a potentially fraudulent account that was opened with my Social Security Number. I informed them that I did not open any accounts and they confirmed that it was fraud. There was no money in the account, and Bank of America closed the account due to fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I like to file a dispute for fraudulent items on my credit report for the following : XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. I have attached a copy of the ID Theft Report with this complaint.The report number XXXX. Please review.
Product: Mortgage

In XX/XX/XXXX we applied for a loan approval with Guild Mortgage, our Sales Manager was XXXX XXXX. We attempted to have a face to face meeting multiple times with him so we can have a firm understanding of what to expect for mortgage costs etc. The sales manager didn't set up a meeting with us until XX/XX/XXXX and we never received a GFE ( Good Faith Estimate ) before this date. During this meeting I explained to XXXX that my girlfriend was XXXX  and these financial numbers didn't make sense for my family and I, and I couldn't afford this loan on my own. My girlfriend and I decided that she shouldn't return to work and focus on raising our soon to be XXXX XXXX. I asked XXXX why he waited this long to have a meeting with me about this and he had no excuse and all he did was apologize. If my family and I knew before hand how much the mortgage was going to be and all other details we would've avoided doing business with the home builder XXXX XXXX. Because of XXXX 's unethical business practices and incapability to handle our transaction responsibly, I have lost {$16000.00} to the builder and they refuse to refund any/all of the financial funds. I attempted reaching out to Guild Mortgage branch manger XXXX XXXX through email to explain to her the situation going on, she was unresponsive. I emailed XXXX XXXX on XX/XX/XXXX.
Product: Mortgage

I sent a check ( ck # XXXX ; {$3100.00} ) for my XXXX mortgage to General Mortgage Capital Company in the beginning of XXXX, and the check was cashed by them on XX/XX/2023. After I sent my XXXX check to them, I received a letter from them that my mortgage was transfer to XXXX XXXX and the payment we paid to General Mortgage Capital Company will be transferfed to XXXX XXXX. Then, I realized that the payment did not transfer to my new loan company, and I started to call General Mortgage and submitted proof of check withdrawal to confirm my payment on XX/XX/2023. Based on the phone call, the CSR from General Mortgage told me that they need to confirm if they have received my payment. If they have received it, it might take XXXX  months to complete the transaction. Then I keep calling to follow up with them, but still no update. The last time I call General Mortgage was on XX/XX/2023. The customer service from General Mortgage told me that they confirmed they did not receive my payment. I was so shocked at that time. Then I called the bank and told them the situation and tried to dispute this transaction. However, after the banker checked on my case, he said this check was cashed by General Mortgage Capital Corporation which is the same with the title on my check. The XXXX bank is unable to stop this payment. Seems like my money disappeared after General Mortgage XXXX XXXX cashed the check. I have attached all the documents, like proof of check withdrawal, letter form General Mortgage Capital Company that showed they did not receive my payment and did not apply the check amount to my mortgage account.. 
Please let me know if you need more information from me.
Product: Credit reporting or other personal consumer reports

Hard Inquries need to be removed from my reports. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2021 Chime spontaneously closed my account managed by XXXX XXXX, XXXX. one of its banking partners. The account had over {$2500.00}. I contacted Chime to see when I should expect my check for the funds I had in the account and was told that they would keep the money and quickly ignored me afterwards. So then I contacted XXXX XXXX XXXX. which was the real actual bank behind my account to resolve the issue, and I was told to contact Chime and then they too ignored me.
Product: Debt collection

I 've been dealing with the Home Preservation Department of Wells Fargo to resolve my late mortgage. I have received multiple calls per day and this morning I was called at XXXX from Wells Fargo .
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/XXXX XXXX Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the TransUnion 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 a credit card from XXXX XXXX with a balance of {$15000.00}, Mortgage with XXXX XXXX  with a balance of {$0.00} dollars, Mortgage with XXXX XXXX  with a balance of {$0.00}. Hard Inquires from XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XXXX XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX  XXXX on XXXX XXXX and XXXX XX/XX/XXXX. 

These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. 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 that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX from FTC report as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX # XXXX XX/XX/year> -- {$13000.00}
Product: Mortgage

When I purchased my home, WELLS FARGO was the lender. During turbulent financial times in america, I was hit with a layoff. I emptied my savings to pay my mortgage. With less than {$400.00} in my account, Wells Fargo would call and harass me about being behind. At that time, I also had a checking account with them. The representative would tell me how much money I had in my account and would threaten to take that. That was money I had to buy food and gas for my car while I looked for work. I did get a foreclosure notice and filed bankruptcy to save my home. Because of PMI, Wells Fargo was paid on the default while I was also paying them via bankruptcy. To this day, there is still a struggle.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went in to purchase a car and gave the financial department XXXX XXXX XXXX permission to run my credit to one financial institution and they ran my credit over 20 times. I did not authorize them to do that I had no knowledge they were going to run my credit so many times. This is goes against my rights as a consumer and should be handled immediately! I am no longer able to live my life freely and do what I need to for my family because most financial institutions wont give me another try to pull out any credit cards.
Product: Checking or savings account

IM POSTING THIS SAME COMPLAINT AND DO NOT CLOSE IT!!! CFPB LEAVE MY COMPLAINTS XXXX XXXX ALONE AND STOP BEING BIAS AND ALLOWING CRIMINALS TO COMMIT FELONY CRIMES, THEY HAVE NEVER PROVIDED A VALID RESPONSE!!!!! LEAVE MY COMPLAINTS ALONE!!! criminals of america refuses to show their side of the accounting, that in fact they are doing business selling my name as a bond and doing business with the secretary of the U.S. treasury, they are XXXX lying criminals, they can not respond with clarity to one complaint ive filed,,, they respond with total XXXX talk and irrelevent information, and its a XXXX shame that CFPB allows this to happen, and my complaints being closed fraudulently bank of america refuses to send me notification of closed account and NO CURRENT CONTRACT!!!!!!!!!! secret accounting without full disclosure and A LIFETIME CONTRACT OF TOTAL FRAUD, THEY OPEN AND CLOSE AN ACCOUNT AT WILL AND TRADE A FICTITIOUS NAME FOR $ $ $ $ BEHIND MY XXXX BACK,!!!!!!
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and found some hard inquiries that I do not recognize. I would appreciate it if you can help me remove these accounts off of my credit report. The hard inquiries are not mine so the information isnt accurate. I appreciate your time! I also filed a report to identify theft.gov Can you please help me this has been so stressful on me having unauthorized accounts destroying my credit. 

Unauthorized accounts Account name : XXXX XXXX  Account name : XXXX XXXX Account name : XXXX Account name : XXXX XXXX XXXX 


Under 15 USC 1681 c-2 c ( a ) The credit reporting agency must block and remove any allege pieces of information. The consumer considers identity theft within four business days of receiving the complaint.

Thank you so much!
Product: Credit reporting or other personal consumer reports

The following accounts are reporting on my credit, I suspect identity theft, I contacted the FTC and did a report, filed a dispute with all three credit bureaus but there are still items reporting. 

The disputed items are : XXXX XXXX XXXXXXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX {$7500.00} XXXXXXXX XXXX XXXX XXXXXXXX {$1500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed information on my Equifax credit report multiple times and it continues to stay. XXXX XXXX XXXX  account is reporting 120 days late. XXXX XXXX  provided me an affidavit that they would correct their reporting and remove the 120 day late in XXXX of XXXX. As of XX/XX/XXXX the account was still reporting 120 days late. I disputed with Equifax while providing the affidavit and twice now they are continuing to report inaccurate information.
Product: Credit reporting or other personal consumer reports

A new employment background check was done for XXXX XXXX. I found 2 addresses that are incorrect : 1 ) Never lived in AR - XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX, AR XXXX. 
2 ) Likely a typo - Lived at XXXX XXXX XXXX. XXXX but never XXXX XXXX XXXX XXXX, XXXX XXXX. 
3 ) Also gap of employment is incorrect Employment ended XX/XX/XXXX, but began XXXX XXXX in XX/XX/XXXX. There is a reason for the gap. 
4 ) Lived at XXXX XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX and XXXX XXXX XXXX XXXX from XX/XX/XXXX to present.
Product: Student loan

I am currently employed by a third party fiduciary whom in partnership with subscriber agencies locally and federally was able to secure a scholarship and loan for educational purposes for my person. I would like to verify the status of such loan information as it pertains to " 18 U.S. Code 1708 ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, XXXX, and TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of XXXX XXXX. If the completeness or accuracy of any item of information contained in my file at XXXX, XXXX, and TransUnion are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX BANK SS XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXXXXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$160000.00}.
Product: Credit reporting or other personal consumer reports

I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third-party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
I have attached a copy of my XXXX  issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. 
You were advised by me by certified mail that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third-party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
On XX/XX/XXXX, I wrote to the below creditors requesting an investigation into items that I believed were fraud, inaccurate, and falsely reported. To this date I have not received a response. Not only do I believe this to be a stall tactic on their part to grant an additional XXXX  days to comply with my original request, but I believe it to be a blatant violation of 15 U.S. Code 1681i - Procedure in case of disputed accuracy. 
Your credit reporting agency has been reporting inaccurate and incomplete account information to my credit file. I am distressed that these referenced inaccurate accounts are on my credit profile. Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information they report and may be liable under 15 U.S.C. 1692g validation of debt. Also, in XXXX XXXX Equifax Information Services LLC XXXX  XXXX XXXX XXXX ), your reporting agency may be liable for false reporting. Credit reporting laws ensure that bureaus report only 100 % accurate credit information.
Product: Money transfer, virtual currency, or money service

Bank of America branch on XXXX XXXX in XXXX XXXX has remodeled its branch to include seven office cubicles and only one teller window. I was told by the branch employee that they no longer need tellers for people as you can do all your banking on-line. Meanwhile, the office cubicles are empty - no one in them, and the line is forming in the bank. I said that I felt this was inconsiderate to the average bank goer to be made to wait for services in the bank because there are no employees to help or an infrastructure to support the needs of the community. I was also told that I could not get coinage due to the shortage of coins and to complain to the Federal reserve about this. I asked what the plan was to remedy the coinage problem and I did not get an answer- instead I was told to complain to the Federal reserve . I understand Covid has created many issues for all of us, but service continue in hospitals, police and fire stations, schools etc .... why are the banks not supporting the needs of the community. Every neighborhood should have at least one full service bank branch. Our bank branch has turned into basically a glorified ATM. Please let me know what you can do about this problem. It seems that all I get is run around about this issue.

Thanks
Product: Credit card or prepaid card

On XX/XX/2022 I noticed that I was overcharged interest by One main financial through their brightway Plus credit card when I reached out to speak to management in regards to the overcharge I was given the excuse of the interest charge was based off of {$460.00} which was not even my ending balance for the month of XXXX they repeatedly told me that it wasn't for the month of XXXX I was being charged interest it was for the month of XXXX when I explained to them they had already charged me interest in XXXX and if their interest charges are based off of the prior month then I shouldn't have seen any interest at all for my first statement but I did. When I spoke to a supervisor she too gave me the same excuse and the same poor answer when I explained that my ending balance for XXXX was {$68.00} and some change and my interest charge is meant to be based off of that she kept repeating that the interest was charged based on XXXX but my statement says it was based off of XXXX when I asked to speak to a manager in regards to the situation because the charges don't add up and they don't make sense and legally as far as what they're supposed to be charging for interest and how they're supposed to charge interest they certainly aren't following those rules if they're charging me based on my last month as opposed to my last month which is on the current statement there is an issue because that's not what I signed up for I was under the impression that if I paid off my balance before the end of the month which I did that I wouldn't see interest if XXXX 's ending statement showed {$68.00} then I should have been charged interest based on {$68.00} and when I let them know I was filing complaints with the better Business bureau as well as consumer finance they begin to ignore me and refused to assist me they have refused to respond to the better Business bureau and they refused to call me and refuse to address the situation this is a very unprofessional very greedy company because if they're ripping people off on a large scale they're raking in millions off of fraudulent finance charges
Product: Credit reporting or other personal consumer reports

Delete hard Inquiries XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
The accounts below have violated my rights. 
15 U.S.C 1681 section 602A. 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 tem of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 
15 U.S.C 1681s-2 ( A ) ( a ) 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. 
Delete the accounts below.
Product: Debt collection

Jefferson capital systems , LLC by and through theirs attorneys XXXX XXXX XXXX XXXX XXXX keep threating they going to seize my bank account and report me to credit reporting agency
Product: Checking or savings account

Bank of America placed a {$2000.00} hold on my account back on XX/XX/year>. Despite me sending proof and supporting correspondence to clear up issue they have yet to remove the hold on my account. Its been 60 days and the bank refuses to release the hold on my account. I already have a previous complaint open about this. Im been given the run around each time and its 2 months in and the funds have not been released. The supporting documents i sent 100 percent clears everything up.
Product: Credit reporting or other personal consumer reports

I am submitting this formal dispute regarding the late payment entries on my credit report : XXXX XXXX - XXXX - {$0.00} These records do not reflect my actual payment history and should be corrected. I have made multiple attempts to get this matter resolved, providing all relevant documentation and following up persistently, yet the errors remain. This situation has not only impacted my financial health but has also caused me a great deal of frustration and stress. 

The Fair Credit Reporting Act ( FCRA ) ensures my right to an accurate credit report. Any incorrect, outdated, or misleading information should be promptly removed or updated. I urge you to take immediate action to correct these records. 

Please prioritize this matter, as these errors are negatively affecting my credit standing. I look forward to your timely response.