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

When I established my Robinhood ( RH ) investment account, I funded it with a direct XXXX XXXX wire transfer. From my XXXX XXXXXXXX XXXX ( XXXX ) to Robinhood. There were two transfers : XX/XX/2020 {$100.00} and XX/XX/2020 {$1000.00} for a total of {$1100.00} which was used to make two purchases of XXXX and XXXX stock. Subsequently, those stocks were cashed in and then the trouble began. Once my RH account had waited for the monies to clear and be available for withdraw ( back to the original XXXX that funded RH ) I attempted the transfer and was given an error message 'Account withdraw disabled '. I reached out via email ( the only way apparently to contact the RH ) 1st attempt XXXX Case # XXXX and again on XXXX Case # XXXX. Both requesting RH remove the bank restriction so I'm able to complete the transfer but I've never gotten anything other than an automated email response saying they received my email, some hyperlinks suggesting self-help, and if further help is needed to respond. I have to in both cases responded additional help is needed yet no further follow up or response from RH has occurred. My monies are still trapped unable to be withdrawn.
Product: Consumer Loan

Company took XXXX payments of {$110.00} on XXXX/XXXX/2015, XXXX/XXXX/2015 and XXXX/XXXX/2015. applied all XXXX payments to the account in one month and assessed a late feel on XXXX/XXXX/2015
Product: Checking or savings account

made two credit card payments to XXXX from my Chase account on XXXX XXXX and XXXX. Chase did not submit funds, yet the funds came out of my account. Coincidentally, I was a victim of fraud on my checking account. The fraudster convinced Chase Customer service to change my verbal password and security questions, then changed my address. My account was closed at the end of XXXX. The XXXX dept. at Chase found my money, but since my account was closed they mailed a cashier 's check. The fraudsters address was on my account. The check was mailed there and the fraudster signed my name and did a mobile deposit to her XXXX XXXX account. Chase will not return my funds and gave me contact info for me to call XXXX XXXX myself. I did nothing wrong. No one has told me why they did not send my payments to XXXX. Chase Customer Service allowed the fraudster to change my verbal password and additional security questions. WHY??? If the person didn't know my verbal password, what's the point of establishing these additional levels of security. Chase is the one who made several mistakes and they won't give me my money until they get it from XXXX. I shouldn't have to wait. This is not right. I am owed {$2800.00}
Product: Debt collection

Account name XXXX XXXX XXXX  Original creditor XXXX XXXX XXXX XXXX XXXX XXXX sold - Date opened XX/XX/year> Status updated XX/XX/year> Account type Debt Buyer ( FRAUD AND IDENTITY THEFT ) Status Collection account. {$38000.00} ( XXXX XXXX AUTHORIZED ) past due as of XX/XX/year>. ( UNVERIFIABLE ) Balance {$38000.00} ( UNVERIFIABLE ) Balance updated XX/XX/year> ( UNVERIFIABLE ) Original balance {$38000.00} ( UNVERIFIABLE ) Monthly Payment - Past due amount {$38000.00} ( UNVERIFIABLE ) The debt buyer reporting on my credit report has inaccurately listed a debt that I do not owe. This debt is fraudulent and a result of identity theft, violating my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692e, which prohibits false and misleading representations of a consumer 's debt. Additionally, this debt is unverifiable and inaccurately reported, violating the Fair Credit Reporting Act ( FCRA ), 15 USC 1681e ( b ), which requires that all information on my credit report be reported with maximum possible accuracy. The unauthorized use of my personal information and reporting of this false debt constitutes an invasion of my privacy under 15 USC 1692c, further damaging my creditworthiness. Under 15 USC 1681n and FDCPA, I am entitled to seek compensation for the harm caused by this misrepresentation and violation of federal law. This debt must be removed from my report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint # XXXX I the consumer filed a complaint. I was informed that one of the accounts are to remain. Looking at my consumer report all accounts asked was deleted except 1 so I am guessing its the account that was request to stay on consumer report by furnish-er. ( XXXX XXXX XXXX ACCT # XXXX ) EXPERIAN STATED Regarding one of the accounts, at your request to conduct a re-investigation, we contacted the data furnish-er ( s ) or public record ( s ) vendors and asked them to verify the accuracy of the information with which you disagree. They responded and stated that the account is to remain as is. The result summary was sent to you on XX/XX/2022 for review. 

I WOULD LIKE TO REQUEST A DESCRIPTION OF PROCEDURE OF THE RE-INVESTIGATION IN WHICH I AM LAWFULLY ENTITLED TO PURSUANT TO 15USC1681i-PROCEDURE IN CASE OF DISPUTED ACCURACY.. ( XXXX XXXX XXXX ACCT # XXXX ) EXPERIAN HAS 15 DAYS TO SEND THIS I REQUEST THAT XXXX  BE SENT TO THE LOCATION ON FILE AN VIA EMAIL XXXX XXXX
Product: Credit card or prepaid card

I have been paying regularly my credit card balance in full for years to my Key Bank credit card. I was a customer of XXXX before they sold their NY state business to XXXX XXXX, which later was acquired or merged with Key Bank. In the last few months they started a practice where they place holds on my payments. For example, I paid this month on XX/XX/XXXX, {$1300.00} and the next day on XX/XX/XXXX, the payment went through my bank account. Key, however, has placed a hold - a transaction to reverse may payment. The same thing happened in XXXX and they didn't release the hold until XX/XX/XXXX, or more than a week after receiving the payment. 

Such emerging/new practices make planning very difficult, something that Key already specializes in, as it doesn't even let its customers set a payment day in the future. I like scheduling my payments well in advance, and Key is the only account for which I have to remember to do the payment on the XXXX, unless I want to make it early. Despite that, I have never been late with a payment and their practices are unnecessary consumer harassment. Plus, if they hold 1/3 of the balance of an account for more than a week, shouldn't they provide consumers with appropriate disclosure?
Product: Payday loan, title loan, or personal loan

On my credit report from all three credit companies they are still showing accounts that are open when they should be closed and they are all have XXXX balance remaining to be paid.
Product: Consumer Loan

In XXXX I signed a contract to purchase a car with Ally Financial through XXXX XXXX XXXX. My XXXX payment was due XXXX XXXX, 2015. In that time, I suffered some financial difficulties and could not make my minimum monthly payment. I spoke with a representative of Ally to notify them of my situation and hoped that we could make alternative arrangements until such time as I got back on my feet. I informed them I could n't make the minimum monthly payment of {$170.00}, but I could make at least {$100.00} payment every month. The company refused to lower the payment amount, and is now harassing me with telephone calls asking for payment. They call me on my cell phone, they call me on my work phone ( State agency ), and they call my home number which is no longer in service. They have at least XXXX different representatives call throughout the day, every day, seven days a week. They are also sending me threatening letters in the mail, telling me that they will repossess the car if I do n't pay the minimum amount every month and make another payment to catch up what 's left. I am doing what I can to ensure they are at the least getting something. I have no alternatives.
Product: Checking or savings account

On XX/XX/2024, I sent a letter to Citibank to re-activate my savings account. I also requested that my account is to be closed and to send a check to my address. They activated my account, but did not close my account. In XX/XX/2024, I requested a new ATM card and they complied. On XX/XX/2024, I requested that my account be closed once again and was told that it could not be closed, because the account was inactive. 

CFPB has not done enough to resolve this problem to my satisfaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

HOLD UP!!! WAIT A MINUTE!!! This is my 2nd attempt at respectfully trying to achieve a lawful resolution to my situation. I've asked on 2 occasions to have an investigation of an item that is reporting inaccurately on my credit report removed. My complaint was closed ( XXXX ) as the credit reporting agency EQUIFAX is using a stall tactic claiming that I am using a 3rd party to submit this request and that additional authorization is needed. I am reopening my case offering my statement as proof that no such 3rd party exists in submitting my dispute. I've recently received notification from this credit reporting agency that the inaccurate information on my consumer report continues to report as being verified. There is NO WAY that this can be true. I am invoking my rights per the Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D for the credit reporting agencies to PROVE that they have actually DONE an investigation and not just submitted a response per a computer-generated document. These erroneous entries are detrimental to my overall credit rating and have caused me severe financial and emotional distress. This complaint is not being submitted through a 3rd party and by NO MEANS are there any additional authorizations needed for my inquiries to be addressed. I immediately demand that the entry that I have disputed be permanently deleted from my consumer report as it is reporting incorrectly. Should EQUIFAX refuse to do so, I will have no choice but to continue invoking my rights under the Fair Credit Reporting Act, Section 616, to pursue legal action to make me whole.
Product: Checking or savings account

I called Huntington Bank to close my account, and they refused to close my account over the phone. They told me I HAD to go into a branch to close it. I do not want the account anymore, and it has a monthly fee. I can not make it to a branch during business hours, which I told the lady on the phone, but she refused to make an exception. I asked several more times to no avail. It seems very unethical to me that they are making it so difficult to close my account with them. I don't even know how I will do it.
Product: Credit reporting, credit repair services, or other personal consumer reports

o Whom it May Concern, My name isXXXX XXXX, the last four of my Social Security number isXXXX. 

This letter is to formally inform you that I recently received a copy of my consumer report that your company publishes.My Consumer Number : XXXX and Case Number : XXXX. After areview of my consumer report, I found an item that is inaccurate. The account in question is a BANKRUPTCY. Listed under BANKRUPTCY FILING # XXXX, Bankruptcy Court Details : XXXX  XXXX XXXX. Therefore, I am requesting that you please send me copies of the documents that you have in your files as of this date that your company used to verify the accuracy of the bankruptcy. I have contacted the court listed on my consumer file and the court informed that they do not have a record of bankruptcy under my name, full social security number and date of birth They informed methat they do not send any information for anyone bankruptcy to LEXISNEXIS and that you may have got information from XXXX in which it is not complete per the bankruptcy court. Lastly, I did not file a bankruptcy so please explain how you got this information. I want you to remove this bankruptcy that do not belong to me from my consumer report. Also, I like to dispute a CRIMINAL OFFENSE RECORD XXXX XXXX XXXX ( XXXX ) ID Number XXXX. I have a son with my exact name who is a junior who is in prison NOT ME. How did you get this mixed up? I would think before you list adverse information on my consumer report you would verify that you have the complete personal information of a consumer, that includes full social security name, full correct name, address and date of birth. I am allowing you 30 days to complete this investigation after which I authorize you to mail me my updated report along with the investigation results.
Product: Credit reporting or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year> And noticed some things are incomplete and inaccurate according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681B ( 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: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair Credit Reporting Act, XXXX XXXX XXXX Accnt # XXXX in the amount of {$7900.00} has violated my rights posted by the Credit Bureaus on or around XX/XX/2020. 

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 : States " A Consumer reporting agency can not furnish an account without my written instructions ''.
Product: Debt collection

We have requested identification of original debt for this debt collector. We do not have any open debt that relates to the account # they are claiming. Furthermore - despite repeated attempts for copy of original debt, we have received nothing. We are receiving sporadic debt collections mail, pre-recorded phone calls. This harassment is impacting our health as well as our credit rating and want this to stop.
Product: Checking or savings account

My chase check account was closed by the company around XXXX, the company said they will send a check to my place but I didn't receive it, and they said they will resend it again, however, a few days later they said they need to have some documents signed by me and then can send the check, but later they said I have to go to any branch to do that myself. Which is not an option for me now since I am not int the states now.
Product: Credit reporting or other personal consumer reports

i sent the CRA 's a letter disputing the inaccurate and incomplete information they are reporting on my credit report, per 15 usc 1681eb and 15 usc 1681i5, the accounts have inaccurate account numbers, high balances, payment history. I am requesting that the inaccurate and incomplete items be delete.

the inaccurate and incomplete information be delete from my consumer report 15 usc 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. also 15 usc 1681i5 ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

The inquiries that are currently on my report were stated by me to be fraudulent activity. I currently have no accounts correlating with the timeline of the inquiries nor did I attempt to apply for credit from the following lenders. 

1. XXXX - XXXX SERVICE Date of inquiry reported by Equifax : XX/XX/XXXX No action taken by the company nor bureau with proof or verification of information validating inquiry. 

2. XXXX XXXX Date of inquiry reported by Equifax : XX/XX/XXXX No action taken by the company nor bureau with proof or verification of information validating inquiry. 

3. XXXX - XXXX SERVICE Date of inquiry reported by Equifax : XX/XX/XXXX No action taken by the company nor bureau with proof or verification of information validating inquiry. 


4. XXXX XXXX XXXX XXXX XXXX Date of inquiry reported by Equifax : XX/XX/XXXX No action taken by the company nor bureau with proof or verification of information validating inquiry. 

5. XXXX XXXX Date of inquiry reported by Equifax : XX/XX/XXXX No action taken by the company nor bureau with proof or verification of information validating inquiry. 

6. XXXX Date of inquiry reported by Equifax : XX/XX/XXXX No action taken by the company nor bureau with proof or verification of information validating inquiry.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX {$680.00} and list of Inquiries. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

This debt has disappeared, then reappeared reporting on my credit file with different dates however, this debt is a result of identity theft. I have contacted the credit bureas who claim debt has been validated and therefore won't remove this account from my credit reports.
Product: Checking or savings account

Under Citi Bank 's promotion plan, if I open a new account, deposit {$50000.00} in 30 days and keep them in the account for 60 days, I can get a {$700.00} bonus. I opened the new accounts in XX/XX/XXXX, which is the start of the nightmare. 
When I tried to deposit the money, I received the email stating that I have to submit utility bill & SSN, but I have submitted them and had received the receipt from Citi before ( see attachment 1, 2a, 2b ). It is obvious that Citi 's system had something wrong. Then I tried to contact Citi to figure it out. 
From XX/XX/XXXX, the second day of the new account opening, to XX/XX/XXXX, I have called or chatted online with the Citi agents for MORE THAN 20 TIMES ( see the attachment of Timeline ), struggling to find out what documents actually I should submit, when I can deposit the money, and even who really know the actual situation and give me a certain instruction. Sadly, in the 20-more calls or chatting, different people told me different answers. 
As all of the agents told me explicitly that I can not deposit money into the new account since it is on hold, I had to deposit them after XX/XX/XXXX, when I received the deposit notice. But Citi told me that my account does not qualify for the promotion bonus any more as I hadnt deposited the money in 30 days after account opening. It is so ridiculous! 
Firstly, it is the Citi agents who told me not to deposit the money when the documents were reviewed, which can be proved by the transcripts attached. Even more absurd is when the supervisor of the department rejected my complaint, she told me ACTUALLY I COULD deposit even the account is on hold. Who should I believe? 
Secondly, it is Citis confused management that led to the delay of document review. They kept on requesting the same documents which had been confirmed by their own system, they didnt send even one single message to request form W9 I only know it when I called by myself. I am even not sure when they have received all of my documents. 
Thirdly, Even the agent online who knows all of the processes admitted : since there was a delay of the account opening due to those documentation purposes, I'm sure that our Specialist team can enroll your account for this offer. But Citi just rejected my bonus disregarding all of the process and the records clearly kept in their system. 
I have attached the timeline of the whole case, I have attached all of the transcripts I chatted with Citi agents, and I think Citi has all of the call records in their system. I think it is quite simple to find the truth.
Product: Credit card

At the beginning of XXXX, XXXX  I paid my XXXX XXXX  bill at XXXX. During the month, I returned items and then had an overpayment. I requested a refund by check of {$300.00}. XXXX XXXX transferred its credit provider from XXXX to Synchrony some time after that. I never received my refund and now neither provider will take ownership and J Crew just gives me contact information for XXXX and Synchrony. I have called both and written formal letters to both. I have not been made whole or explained where I might be wrong in my understanding. It is now XX/XX/XXXX.