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

The complaint is about my money XXXX XXXX XXXX XXXX XXXX on the service ROBINHOOD I receive an alert on my app and via email on XX/XX/year> " Action required : Your account is temporarily restricted '' requesting to send : Front and back photos of your government-issued ID, Live selfie photos from XXXX angles ( left, center, and right ). 
PDF bank statement ( XXXX ) The app only allowed me to send selfy photos, but there was no other option to send either the Diver License ( ID ) or any bank XXXX. I try to call but they have a system that doesn't allow a direct call, they call you back. I tried several methods, but finally, I received a call on XXXX. However, I was outside the country, so I missed it. 
I asked for another call today ( XX/XX/XXXX ), and they started asking me verification questions that included where I want to transfer my money ( they should not care ), where I learned about XXXXXXXX XXXX XXXX XXXX  a very unpolite person just hanging on me. 
This is the second time I have lost the possibility of investing my money ( in this case, about $ XXXX ) in other ways. I wanted, in this case, to transfer my money to buy XXXX, and not being allowed to do so cost me thousands of dollars. I just don't trust this company, so I didn't want to make any other transactions with them. A few years back, the issue was similar when the XXXX XXXX had a big up spike, and the app didn't allow us to sell. This company is literally doing what it wants with its customers. It is our money not theirs, and what we do with it shouldn't be their problem As of today, XX/XX/year>, I receive another email : XXXX XXXX, XXXX day! This is XXXX with Robinhood Support. I hope everyone around you is doing well.

We have placed a temporary restriction on your account for the security and protection of Robinhood and our customers. We need some more information from you before we can lift your accounts restriction.

There should be an Action Required card displayed in your app. Please tap its prompt to upload the following documentation : The front and back of your driver 's license OR your passport o Please keep glare on the ID itself to a minimum, so everything is legible.

o All four corners of your ID must be visible o Both horizontal and vertical photos are accepted so long as all requirements are met.

Well reach out to you if any additional information is required. Please check out our Help Center for more information on the types of documents we can accept. 

As usual, the option doesn't work, it is unbelievable. As soon as this restriction is lifted, I will take my money out of their app as fast as I can and never use the app again.
Product: Checking or savings account

The bank charged towards my checking account two inquire fees, that was not correct. These fees are for {$2.00} each, and are stated as balance inquire fees from a XXXX XXXX XXXX  in XXXX, Wisconsin XXXX XXXX XXXX XXXX These inquire fees are listed on me account statement : XX/XX/2017. There are 9 total statements going up, they 've posted a - XXXX balance at the top of my account statement, as I attempted too resolve this matter w/ the rep 's at the bank, they agreed to reverse the fees that I originally wanted to dispute w/ the correct department, but I was not successful. This then posted a balance of XXXX in my checking account. I figure that the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Wisconsin should have had a fee that would have been posted and was not present on this particular statement. From my experience these representatives at the Wells Fargo bank reversed the fee that they originally assessed towards my account and from the - {$3.00} to a XXXX. is what you 'll see.
Product: Checking or savings account

I requested 5/3 Bank to wire my savings to XXXX 3 weeks ago. The transaction was not successful since the money never showed up on my other account. But 5/3 doesnt know where the money is. Theyre trying to track it but still nothing after 3 weeks!! I have provided them with all the documentation but not even a partial credit has been given to my savings account.
Product: Checking or savings account

All contacts were with customer service XXXX. 
XXXX I have a closed checking account at UMB and an active checking account. I was scheduled to receive a direct deposit into active account from XXXX XXXX. However, XXXX XXXX misdirected the funds of {$1000.00} into the closed account. I contacted UMB on conference call with XXXX XXXX, at which time it was explained by UMB representative that the funds were not being reflected. And since account was closed it would revert back to originator automatically. I should confirm receipt of the funds with originator in 5 business days. 
XX/XX/XXXX- Contacted UMB because XXXX XXXX hadn't received the funds. I was instructed that since the account was closed the funds were being forwarded back to me at my home address as a check. Should arrive within 5-7 days. 
XXXX Contacted UMB and was advised a check wasn't being mailed to me, but to XXXX XXXX and it had been processed on XXXX, so regular mail should have it there within 7-10 days.I requested a reference number or tracking number and was told nothing like that was available. 
XXXX I called and spoke to XXXX XXXX customer service who gathered the following information. The accounts receivable department had deducted {$8.00} from original direct deposit of {$1000.00} and I would be receiving by mail {$990.00} which was being sent via registered mail based on the dollar amount. This check has already been mailed and I should receive by XXXX, XXXX. She provided reference # XXXX. She was the only thorough person during this process. 
I explained to XXXX, I am traveling for work and wouldn't be back in the area for over 60 days. Otherwise, I would have tried to have this addressed at local branch in XXXX XXXX, TX. Also, I advised that I was unsure if I could get someone fto pick up mail. So she advised the check would be resent to my temporary address, if not received by XXXX, XXXX. I asked XXXX to find out from Accounts Receivable why this process has taken nearly 30 days to resolve and she was told, they have 14 days to process the transactions. 
XXXX I contacted UMB customer service and requested a supervisor. I was transferred to XXXX. After reading the notes, XXXX advised me a stop payment would only be completed after XXXX, XXXX and the check was sent regular mail. I should contact them again on XXXX XXXX, XXXX. I requested of XXXX that thorough documentation including my frustration with the timeline, the extreme miscommunication and my dissatisfaction with the EXTREMELY poor customer service, I had received EXCEPT for XXXX 's assistance on XX/XX/XXXX. I have contacted the FDIC, who refered me to Consumer Finance. GOV for assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, My fianc just recently purposed to me. We are ecstatic, and ready to start out dream wedding. 
Upon review of my credit report, there are an ample amount of Accounts, Collections, and inquiries that do not pertain to me and I are results of identity theft. Please remove these item as they our affecting my credit worthiness. 
Please remove these item from my report or legal action will be taken. 
Thanking you in advance.
Product: Debt collection

My identity was stolen and used to open a fraudulent account XXXX {$1600.00} without my knowledge. This fraudulent account appears on my credit report and is having an adverse affect on my credit rating. I did not open this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I C System added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold to multiple companies. I am not responsible for this account. I have attempted to dispute this information numerous times with all credit bureaus as an attempt to receive correspondence from the debtor with more information. The debtors creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say that it belongs to me. According to the FCRA, I C System has violated my rights as a consumer and I am requesting legal action to remove this account immediately
Product: Credit card

I have a KeyBank XXXX XXXX. 
It was attached to a checking account with KeyBank as overdraft protection. On XX/XX/XXXX a fraudulent actor accessed my online bank account. The account was immediately placed on XXXX Hold. The customer service representative at KeyBank said nothing can be withdrawn during this time. The fraud was determined real. And on XX/XX/XXXX they were closed. At that point there was a ZERO balance on my credit card. But around XX/XX/XXXX {$100.00} dollars was forwarded to my Fraud held checking account for being in overdraft?? I should not be responsible for anything after XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX, XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX, XXXXXXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in months that are reported late to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX, XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Payday loan, title loan, or personal loan

I complained starting on XX/XX/XXXX My account at their website where you make your payments is totally useless as it will not allow me to link my bank to my account so as I can make a payment. After many e-mails that were in large part ignored and a couple of aborted phone calls nothing has changed. I just sometimes receive a form letter reply that runs me around in the same circles and with no results, no resolution. There is only one e-mail link on their sire help and it is pointless to go there again and again. I have tried many times and in many places to find a support address or phone number with no success. I have repeatedly asked them for support and pay by phone telephone numbers in my e-mails to them and was ignored and sent the same form letter. I just want to be able to make payments on my account and fear they are going to impose late charges and other penalties on me. I think I should be protected from their negligent and high handed practices.
Product: Debt collection

On XX/XX/XXXX I was checking my Consumer Credit Profile and I noticed a collection file placed on my XXXX Consumer Credit Profile I didnt recognized. I contacted Credit Collection Services XXXX to speak to them regarding the information on my Consumer Credit Profile to seek an Validation letter of the debt. The collection agency is unable to provide me the original contract with the wet ink signature. I was informed that this debt was purchased from the original creditor XXXX XXXX XXXX XXXX I was never notified by XXXX XXXX XXXXXXXX XXXX XXXX Credit Collection Services written disclosure regarding this matter. The XXXX XXXX XXXX XXXX XXXX XXXX, or simply XXXX XXXX, is a licensed insurance agency that is a subsidiary of XXXX XXXX XXXX the name was changed to XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, and in XXXX. According to XXXX XXXX XXXX XXXX ( XXXX ), protects the confidentiality of Nonpublic personal information that you provide to us or we collect. Any nonpublic personal information we have about you or listed drivers is confidential information and kept private. It may include motor vehicle records, driving records, accident reports, claims history reports, insurance records, and consumer reports that may include credit information. Upon your written request to us, we will provide you with a copy of this information. I never received any information in writing stating that a third party or debt collection agency would have access to information on my Credit Consumer Profile. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' 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. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I obtained a copy of my XXXX, XXXX and Equifax consumer reports in XX/XX/XXXX and XX/XX/XXXX. I have identified information on my consumer report that are a result of identity theft. There was no permissible purpose for the identified transactions to be reported on my consumer report. I have requested that the recording of this information be blocked and deleted immediately. My request to block and delete is not being made in error, nor is my request to block and delete being made on the basis of a material misrepresentation of fact by me relevant to the request to block and delete the identified transactions. Although I sent a ten page Affidavit of Fact which highlights specific accounts and account numbers as provided by, along with copies of government identification and Social Security Card, all which were sent via USPS Certified Mail # XXXX XXXX XXXX XXXX XXXX XXXX and USPS Certified Mail # XXXX XXXX XXXX XXXX XXXX XXXX through Notary Presentment, on XX/XX/XXXX and XX/XX/XXXX respectively. The response to my CFPB complaint is that I did not specify the accounts in question and for me to send my government identification, social security card and a utility bill. In my telephone conversation with the respective representative on XX/XX/XXXX, I informed the representatives these items are not related to any transactions completed by me. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report.The identified transactions are not information related to any transaction by me as the consumer. The information in question are as follows : -Names ( XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ; -Addresses ( XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX -Year of Birth ( XXXX ) ; -Phone numbers ( XXXX, XXXX, XXXX XXXX XXXX XXXXSpouse or Co-Applicant ( D ) ; -Employers ( XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX ; -Accounts ( 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 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 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: Credit reporting, credit repair services, or other personal consumer reports

I sent off two notarized dispute letters on XX/XX/XXXX and XX/XX/XXXX. It has been over 30 days and I have yet to receive a response from Equifax. With that being said under the FCRA, if an investigation is not completed 30 days after receiving a dispute letter, they must delete all of the unverifiable and inaccurate information contained within that dispute letter. Also, they are reporting inaccurate personal information on this account which is another violation of the FCRA as well.
Product: Student loan

As my previous complaint explained, Zuntafi ( Formerly known as XXXXXXXX XXXX XXXX XXXX XXXX when I first got the loan ) was not truthful and did not properly inform me of the type of loan I was getting into before agreeing to it. On multiple occasions I spoke to a loan officer and it was never discussed or told to me that this was an adjustable rate mortgage. Never once was this even mentioned. I was sent a large number of documents to sign after discussing the loan with the loan officer. Again, I was never notified when speaking with the loan officer that this is adjustable rate. That is something that MUST be said or mentioned before sending documents over to sign. With the large amount of documents sent over there is no way I could have fully understood them all and made a proper decision without the help of a loan officer. The loan officer was completely unhelpful and unethical in not making this distinction during the discussions. That is extremely predatory in nature with the intent to get me into a loan that is not best in my interest or even something that I could reasonably have the ability to repay once interest rate hikes reach their maximum. I am not ok with the companies response and know that this is a way of getting young uneducated people like me into high interest loans that do not benefit me in the long term. If I had any proper indication that it would have become what it is now, I would have never taken the loan in the first place. This is WRONG
Product: Money transfer, virtual currency, or money service

I sent money through the company Zelle, which I had contacted to my XXXX XXXX account and I want to buy something from this woman. Everything was legitimate her website, but it just turned out to be a similar website that was compared to hers anyway so I end up sending money and obviously I never received the package that I was originally intended. It was just a bunch of pointless newspapers and I saw I tried to report this few to XXXX XXXX and all that, but they told me that sent the money was sent through Zelle. this happened back in 2022. I ended up losing out on you know money that was meant to be for XXXX presents for my kids and turns out they end up getting barely anything that year.
Product: Credit card

I disputed a charge and provided the necessary paperwork to validate my claim. Chase came back and said the claim was not valid a provided me with a receipt from the merchant. I called in to get additional clarification, explained to the agent the situation and they told me to upload my additional supporting document. After sending in the additional details, I spoke with an agent named XXXX who just told me there's nothing they could do. I asked on how I could appeal the decision and they told me there's no way to appeal the decision.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute a hard inquiry that appeared on my credit report. According to my credit report, a hard inquiry was made on XX/XX/2022 by XXXX XXXX XXXX. However, I do not recall authorizing this inquiry, nor have I had any dealings with this company. 

I am requesting that this inquiry be removed from my credit report, as it is negatively impacting my credit score. I have attached a copy of my credit report for your reference, highlighting the inquiry in question. 

As you may know, hard inquiries can have a negative impact on credit scores, and I am concerned that this inquiry may harm my creditworthiness. I have taken great care to ensure that my credit report is accurate and up to date, and I would appreciate your assistance in resolving this matter. 

Please investigate this inquiry and remove it from my credit report if it was made in error. This inquiry was not authorized by me, I request that you take appropriate action against the company that made the inquiry.