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

New account was opned with Robinhood on XX/XX/XXXX Deposited {$50000.00} from my personal bank to Robinhood on XX/XX/XXXX My Robinhood account was restricted on XXXX XXXX I have uploading my ssn , drive license copy and self picture per their request, My account still got restricted. ( Case ID : XXXX ) I've contacted Robinhood customer service more than 10 timesphone/email ) regarding this matter, They told me they can see all my identity was verified but have no idea why it was still restricted. 

My Robinhood account was deactivated on XX/XX/XXXX XXXX ( Case ID : XXXX ) Email from Robinhood as below " XXXX XXXX, Thank you for your patience. Based on the information provided, we will no longer be able to support the account in question. Please be advised that this is a final decision. 
Next Steps : We will begin the process of scheduling the remaining funds on your account to be returned to their originating source. Please be aware that this process can take up to 60 days, for additional information please contact the originating bank. Upon the completion of this process your Robinhood account will be scheduled for deactivation. Thank you for your assistance as we have reviewed your account. We regret these circumstances, but we simply can not facilitate this type of account activity '' I emailed Robinhood I have urgent use on these funds and need to withdraw my funds to my personal bank account asap, they reponsed me they will no longer be able to support the account in question As of today XX/XX/XXXX, Robinhood has held my {$50000.00} almost 4 months since the account opened.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive called and talk to Experian over and over again & they told me they need a FTC & Proof of identity to handle the XXXX fraudulent accounts that are open in my name Ive provided the information they needed I need the XXXX fraudulent accounts removed immediately its causing me very financial hardship I need help please
Product: Debt collection

XXXX 's fraud bills caused my husband 's XXXX XXXXXXXX XXXX. He is useless person. A life has been destroyed by greed? our gov't can't do anything about it!!!?? They all say they don't have teeth what's point? reminds me famous saying - When united states system fails XXXX ( XXXX ) will be there!. 
I paid my final bills with proof XXXX but XXXX still kept generating bills, send collection agency. I called collection agency demanded their business licences and insurance info they refuse to do so. Every phone company records the conversation, NSA does, so does the XXXX. How a poor person can get justice?
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 8th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXXXXXX XXXX XXXX Balance : {$210.00} XXXX  ) XXXX Balance : {$520.00} XXXX  XXXX Balance : {$600.00} XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

COMPLAINT FORM I am a XXXX born in XXXX. On a social security payment of {$920.00} retirement monthly I was issued a credit line of {$4000.00} with a XXXXXXXX XXXX XXXX XXXX. Way beyond my age and means ... ( Credit Baiting ) I was financing 2 businesses at the time and was using this this credit for my living expenses as a Business line of Credit. 
I was sending in {$300.00} a month to cover the payment and the balance kept kept rising. 
I requested the account be locked and closed in XXXX... No response, balance kept rising. 
This was totally out of control causing a financially taking advantage, bullying, and Elder abuse situation. 
There has been an increase of {$500.00} in balance after I requested the accounts being closed. 
I need help in dealing with this situation as it is out of my hands, and I need protection as I will be put into collections as the balance continues to rise. 
It seems all my online accounts have been compromised, and information disseminated Is all this a coincidence? 
Paypal Master card Raided canceled. 
XXXX  XXXXXXXX XXXX XXXX raided canceled. 
XXXX XXXX XXXXXXXXXXXX XXXX XXXX canceled. 
XXXX XXXX XXXXXXXX XXXX XXXX canceled. 
Documentation forthcoming
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft. There are inquiries on my Experian and XXXX credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are 1. XXXX XXXX XXXX - XX/XX/XXXX 2. XXXX XXXXXX/XX/XXXX - XX/XX/XXXX 3. XXXX XXXX XXXX - XX/XX/XXXX 4. XXXX XXXX XXXX - XXXX XXXX, XXXX 5.XX/XX/XXXX - XX/XX/XXXX 6. XXXX XXXX - XX/XX/XXXX 7. XXXX XXXX - XX/XX/XXXX 8. XXXX - XXXX - XX/XX/XXXX 9.XX/XX/XXXXXX/XX/ XXXX XX/XX/XXXX 10. XXXX XXXX - XX/XX/XXXX 11. XX/XX/XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XX/XX/2023
Product: Credit reporting or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX 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 XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX DE XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

I had a hospital bill from XXXX XXXX that was for {$86.00} from 2014. It was paid and now 5 YEARS later Wakefield and Associates reach out to me asking to pay again. I knew it was a scam that they couldn't prove that it was paid. I looked them up online and indeed, they have been scamming people.
Product: Debt collection

I contacted Lowe 's through Syncrony bank which finances Lowe 's credit. I told the collector during the last week of XXXX that I would pay {$100.00} on the XXXX of XXXX. He wanted me to submit a phone check in that amount and I told him I would be paying through my bank 's bill pay on the XXXX in the amount of {$100.00}. So he said, so you are refusing to make payment arrangements. I stated I am giving you payment arrangements in the amount of {$100.00} on the XXXX, I am not doing a phone payment. He said, " We have your account number. '' I let him know I was aware of that but he was not to use it. On the XXXX of XXXX Lowe's/Syncrony debited my account for {$100.00}, overdrafting my account. My bank declined the charge. During the second week of XXXX I attempted to pay my payment via Lowe 's website. On the website they showed a minimum payment of {$230.00} and regardless of what I did on the website it showed that I was making a payment of that amount, which I can not afford. Lowe 's debited that amount from my account, the bank will not decline or reverse it and calling Lowe 's I can not speak to a live person. I had XXXX  in XXXX and XXXX and XXXX on XX/XX/XXXX. I am behind in my bills and trying to make arrangements. How is it legal to take money out of my account without my consent?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have mailed in letters several times to XXXX, XXXX and Equifax in regards to my account with XXXX Account # XXXX. Starting in XX/XX/2020 up until XX/XX/2020. I have gotten some responses which I will attach. Yet inconsistencies remain on my report for XXXX. For your convenience I am attaching the latest response from each bureau. I will also list the issues I see. 

1. Date of first delinquency is missing 2. Purge date is not listed 3. Full payment history is not listed, specifically scheduled and actual payment amount.

4. Closed date is not listed on Equifax or Experian According to your own industry standard which is the Metro2 the above information must be reported.

I do not see an actual proper re-investigation completed after addressing the issues set forth.
Product: Debt collection

I do not know this company with a balance of {$130.00}. I was never notified, so therefore I do not know who this debt is with or from.
Product: Credit reporting, credit repair services, or other personal consumer reports

My account at Golden One credit union was overdrawn by about XXXX dollars including their fees. It took me time to pay it off but they promised to remove my delinquency from XXXX XXXX 30 days after the payment. They still have yet to remove my account from XXXX XXXX after payment and Ive been denied opening up a new bank account with XXXX XXXX XXXX because of their negligence in removing my account as promised.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispure in XX/XX/2018 against XXXX XXXX. I went into a payment agreement with XXXX and they promised not to report late as long as I kept to the schedule. My dispute was that all payments were made on time. according to agreement. Experian agreed with my update however dropped my FICO score 14 points for no reason. There was absolutely NO CHANGE to my credit report. I tried to work it out with their dispute team and they were extremely rude and impossible to work with.
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX 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: Mortgage

I applied for assistance in saving my home with my lender, Bank of America, on XXXX/XXXX/2015. I hired an attorney to help me submit my paperwork to my lender Bank of America. My attorney confirmed Bank of America received my full and complete application and all financials. Bank of America then recorded a Notice of Sale against me on XXXX/XXXX/2015 with a sale date set for XXXX/XXXX/2015. I am told per RESPA - Mortgage Servicing Regulation X XXXX, my servicer is not supposed to move forward with foreclosure ( XXXX ) if I have an application submitted XXXX days prior to any sale date. My application was submitted 41 days prior to any sale date. I feel my servicer, Bank of America, illegally recorded a notice of sale against me and is therefore now " Dual Tracking '' my foreclosure process. I am currently under review for a loan modification. I feel I qualify for assistance. My attorney says I qualify for assistance. Bank of America 's actions appear to violate RESP Reg x ( 1024.41 ).
Product: Mortgage

We are unable to cash an escrow check ( {$580.00} ) received on XX/XX/XXXX. 
We had lost the check but recently found it. Believing that Citi would have deposited the money with the Massachusetts unclaimed property agency, we called but found that Citi had not done so. 
On XX/XX/XXXX, we called Citi and their agent instructed us to fax a letter and supporting documentation to their Research Service Department. Not having received a response or acknowledgement, we got in touch with Citi again and the representative instructed us to send the request by mail instead. This was sent by certified mail on XX/XX/XXXX. We never received a response or acknowledgement on this second attempt either. Multiple subsequent calls to Citi have been unsuccessful as they refuse to transfer our calls to their Research Service Department nor give us an update on the matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Reporting Act XXXX XXXX  account number XXXX XXXX XXXXXXXX account number 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 XXXXXXXX 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.
Product: Debt collection

TODAYS DATE : XX/XX/XXXX XXXX XXXX XXXX  Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious XXXX XXXX  XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Product: Payday loan, title loan, or personal loan

I went to One Main Financial to get a personal loan for {$5000.00} instead I received a check for {$4900.00}. During the process there was an agreement of two and a half years to paid the loan back. After signing the loan, the sale person came back stating that she had to make sure that everything is correct. At that time I did not know that changes were made on the contract. 
On XX/XX/2021, I called One Main requesting to pay off the loan. I was told that they will send out a letter with he payoff amount. I never received a letter giving me that payoff amount. I called One Main from XXXXXXXX XXXX  thru XXXXXXXX XXXX  but never re an response. 
On XX/XX/2021, I stop the automatic withdrawal. Around XXXXXXXX XXXX One Main start calling with collection calls until XXXX XXXX, One Main stooled my car from my driveway at XXXX in the morning.. At that time I did not know it was One Main, I thought it was stealing a part from my XXXX XXXX. I did not know One Main Financial was Springleaf Financial I never would have gotten the loan due to my bad experience with them in the past.
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX ending n XXXX- closed the card XX/XX/XXXX - disputed charges of XXXX a month for XXXX XXXX. They gave me a credit instead of mailing me a check and are continuing to bill the disputed charges to my closed account. I spent two hours on the phone with Synchrony this morning being passed around. A " supervisor '' finally said that they couldn't do anything about it that it was handled by XXXX, transferred me to XXXX and XXXX had no idea what I was talking about. XXXX apparently has nothing to do with XXXX XXXX XXXX XXXX. I tried to look at back statements to see if I had been charged but the statements between XX/XX/XXXX and XX/XX/XXXX are not posted. Synchrony explained that the charges were continuing to be charged to my closed account because it is a recurring charge. That makes no sense to me, not my charges and I closed my account.
Product: Debt collection

VALIDATION AND CEASE AND DESIST Collection agency name : Hunter Warfield Address : Account number : Your NAME : XXXX XXXX Your address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear Hunter Warfield, I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 

Thank you for your prompt attention to this matter.
Product: Credit card or prepaid card

I have been trying to close this credit card account for 2 years. 

In XXXX I opened a Best Buy credit card account for an XXXX computer. I paid it off completely and closed the account out in XXXX. The account was completely closed in XXXX. Surprisingly, In XXXX I was charged an annual fee for the credit card account. I called Citibank in XXXX and told them that I had closed the account the previous year, so they waived the annual fee and late fees and told me that I would not have this problem again. 

Now in XXXX, they are trying to charge me an annual fee AND late fees AGAIN for a card that I closed completely 2 years ago, in XXXX. Every single time I try to call Citibank to see what's going on, I get somebody on the line that doesn't speak XXXX clearly and I can not understand. I am consistently transferred to somebody new that I have to explain the entire problem to from the beginning again. I've spent several hours on the phone being transferred around, several times, only to repeat myself over and over. Every time I ask anybody for their extension number or company ID, they either hang up on me or try to tell me that there is no such thing as an extension number or company ID at Citibank. 

I figured out I could have my call transferred to somebody " stateside '' in the USA, that's when I connected with XXXX ( Company ID # : XXXX ) She was the first person to be able to actually help me. She told me there must be a glitch in the system that keeps charging me an annual fee even though my account is closed. She transferred me to somebody that spoke clearly and was able to waive ALL of my account fees. 

Now only one month later, they are charging me an annual fee, and several more late fees. All I want to do is close the account completely and be left alone. This has lowered my credit score and caused me hours of headache. Please help me get this credit card closed completely because I can not deal with Citibank anymore.
Product: Credit reporting, credit repair services, or other personal consumer reports

Found : Social Security Number Potentially Breached Site : XXXX  - breach occurred in XXXX, XXXX On XX/XX/XXXX, XXXX announced that all XXXX locations, POS and gas pumps were potentially affected by a malware data breach that exposed customer payment card information between XX/XX/XXXX through XX/XX/XXXX. 

Connects XXXX takes the security of your funds seriously. Your card has been identified as a compromised card that was used at XXXX during the data breach. 

on XX/XX/XXXX XXXX, we found your Social Security number on a Dark Web site View Details Your Social Security number has turned up on one of the thousands of Dark Web sites we monitor each day for you. This activity does not necessarily mean that you are the victim of identity theft, but your personal information may be vulnerable.