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

On XX/XX/2020 i went into a Chase branch to cash a lawsuit check and deposit another one as well as open a account to keep the deposited amount. My funds were available at the moment and a few days after i was notified my account was closed. The first reason was because i had a pending balance on a old account. When i returned to the branch to issue the problem i was told it was closed because of prior account history. That my check would be issued for the amount deposited as a cashiers check. I waited about 15 days before contacting chase multiple times in regards to my funds. I received different information everytime i have called. First i was told they need to have the funds verified. Also i was told they had a missed call from the issuer but they had been having trouble contacting them back. As well as in one occasion i was told to take paperwork of the lawsuit to the branch which i did, once i was there were contacted and decided that was not enough after all. I have been calling chase to try to get updates and have them call the numbers but all they say is that the hold time is too long. I really need my money and i don't understand why its being held if it was available and the check was confirmed when i deposit it to the bank. The bank has my money in a suspense account gaining interest fees from it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the fair credit Reporting act XXXX XXXX XXXXXXXX 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 2 : It also states a consumer Reporting agency can not furnish account without my written instruction.
Product: Debt collection

This debt collection company just called me and threatened to sue me to collect an alleged 23 year-old debt I purportedly owed to the Goodyear Tire Company. When I asked for the date of the alleged credit extension, I was told " 1993 ''. Then, when I explained that I did n't think I owed the debt and asked why no one had contacted me and/or sued me before regarding this matter I was told that my statements were " an indication of my terrible moral character '' and that they would " come after me, my [ social security ] income, and my property ''. Before I could say anything else, the caller hung up her telephone.
Product: Checking or savings account

I am writing to bring to your attention a legal matter which has been ongoing since XX/XX/XXXX. This is related to the closure of my late father 's bank account with Citibank, which has been handled by Citibank in a way that is very confusing and distressing. 

On XXXX XX/XX/XXXX my father very sadly and completely unexpectedly passed away. He was in XXXX with the family at that time. Later in the year we found out that my father was a Citigold customer at Citibank, XXXX, Florida. 

My father had no will but under XXXX Law he has XXXX beneficiaries all XXXX other beneficiaries gave me the authority to act on their behalf, in securing their rightful inheritance, in this case my late fathers bank account with Citibank. Under XXXX law, that is all that is needed for me to assume that responsibility. 

At the beginning of XX/XX/XXXX, I contacted Citibank for the first time by telephone and informed the bank of my fathers passing. Since then, even though I have provided every single document from the checklist Citibank originally sent, together with some other documents requested on several occasions at a later stage, often with insufficient or no explanation or justification for such requests. Despite that, Citibank refuses to release my fathers funds, although Citibank has recognized seemingly, that the XXXX of us are indeed the rightful beneficiaries. 

During the last XXXX years Citibank and their team assigned to my case were not only making it difficult to effect the closing of my late fathers account and the release of the funds to his proven beneficiaries, but they also threatened me on a few occasions with changing the status of the bank account to inactive as well as abandoned. 

Therefore, I hereby respectfully request you and your office to contact Citibank on our behalf to sort out what lies behind their refusal to act professionally and reasonably in releasing our funds. If my late fathers funds are not promptly released, I will have no choice but to consider potentially seeking legal redress, with all the additional stress and costs that such a course of action could incur for us. 

I await your response, and I am hopeful that the Consumer Financial Protection Bureau can help in resolving the closure of my late fathers Citibank account and the release of the funds to his rightful beneficiaries. 

The history of this whole process thus far, is set out in the attached document.
Product: Credit reporting or other personal consumer reports

I am writing to request your assistance as a victim of a severe form of XXXX  in persons, as defined under 22 U.S.C. 7102 ( 11 ), or XXXX XXXX  under 22 U.S.C. 7102 ( 12 ). This situation makes me eligible for certain adverse credit information to be blocked according to 12 C.F.R. 1022.142.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because Experian has continuously ignored my request to provide me with the documents that their company should have on file that was used to verify the accounts I disputed. They have gone long beyond the 30 day mark and can not provide a legally binding verification, nor proof of that verification, which FCRA Section 611 ( 5 ) ( a ) states that I am entitled. On XX/XX/18 around XXXX CST I spoke with XXXX XXXX an Experian Supervisor in the fraud department. On a recorded line I was told, Experian does not verify the accounts with the original creditor and a third party was used ; it may or may not have been XXXX. I specifically asked for the name and business address of the third party furnisher of the information and was told that NO ONE at Experian has that information, so they CAN NOT provide it to me. 

XXXX XXXX XXXX XXXX XXXX defines Verification as confirmation of correctness, truth, or authenticity of a pleading, account, or other paper, by an affidavit, oath, or deposition. XXXX XXXX vs. XXXX, XXXX, XXXX. XXXX, XXXX XXXX XXXX XXXX ; XXXX vs. XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Fed. XXXX ; XXXX vs. XXXX, XXXX App. Div. XXXX, XXXX XXXX XXXX XXXX XXXX. This legal definition is saying that the person verifying must be able to testify to its accuracy under oath, either by affidavit, in court or in court proceedings such as a deposition. In order to testify to accuracy the person would have to have 1st hand knowledge otherwise it is considered hearsay because the furnisher of the information is relying solely on public information and technology that has known to have mistakes. The courts has a firm ruling on hearsay : Testimony, whether live or in the form of an affidavit, to the effect that the witness has reviewed a file and that the file shows that the debtor is in default is hearsay and incompetent ; rather the records must be introduced after a proper foundation is provided XXXX XXXX XXXX XXXX vs. XXXX XXXX XXXX , 238~ These accounts have not been properly verified and are being reported with incorrect dates. During the XX/XX/18 call with XXXX ( an Experian Fraud Department Supervisor ) on a recorded line I was told, to go to the original creditor and request a stamped and certified statement to validate that the information Experian is reporting on my credit report contains errors. Yesterday I received certified, stamped and signed statements from the original creditor and attached it to this complaint. Experian is reporting outdated and inaccurate information with incorrect filing dates. Please reference the attached Experian credit report and the certified, stamped and signed statement from the original creditor. I am demanding that these derogatory accounts be immediately removed.
Product: Debt collection

OCWEN LOAN SERVICING/PHH MORTGAGE IS STATED IN CORRESPONDANCE TO YOU OUR LAST PAYMENT WAS ON XX/XX/XXXX FOR INSUFFICIENT FUNDS. THAT WAS AN INVESTOR PAYMENT AND IT PROVEN ON OUR TRANSACTION HISTORY, OUR LAST PAYMENT WAS ON XX/XX/XXXX WHICH ALSO WAS STATED TO BE TRUE IN CORRESPONDANCE FROM OCWEN LETTER DATED XX/XX/XXXX WITH THIS BEING SAID OCWEN AND PHH MORTGAGE OUR FALSE STAMENTS TO YOU AND OTHER GOVERMENTAL AGENCYS AND WE WANT IT CORRECTED. 
WE WERE INCOMPLIANCE WITH OUR LOAN, VICTIMS OF FALSE CLAIMS ACT.
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

I have an account with American Express that I fell behind on payments due to a financial hardship. The account is now closed and sent to a third party collection agency. I have tried resolving the balance by contacting American Express and they have told me that the account is no longer with them and will not accept my settlement. However, they are still reporting to the credit bureaus that my account is delinquent every month even though they no longer have the account for me to pay. The Fair Credit Reporting Act states that credit companies can not ding my account every month for a charged off account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dept. of Ed/XXXX  was advised that this information would be no longer reporting this account because it violated internal policies. See Exhibit 1. This is a confirmation sent from to me on XX/XX/2022 verifying that this above account was removed by XXXX. This was removed because it violated my privacy and an act of Identity thief. According to the FCRA if information is removed or block that in fact, should be reported to the other 2 reporting agencies. Dept. of EdXXXX failed to pass this information on and instead they continued to report the above account verified. 

On XXXX XXXX I submitted another complaint see CFPB complaint # XXXX. You Experian stated that you opened a reinvestigation and that the above account was verified. Once I requested the steps of the reinvestigation, I was denied the process and never received requested information which is a direct violation of Federal law. A FTC Identity theft Report has been Filed with you as Experian as the CRA and a FTC Report against Dept. of Ed/XXXX  ( See Exhibit 2 & Exhibit 3 ) .Considering that this information was removed because it was in direct violation of privacy according to 15 U.S. Code 1681c2. Please revisit Exhibit 1 for verified proof of block. 

Attachments -Affidavit of Truth -Exhibit 1 ( Confirmation Letter of Blocked information ) -Exhibit 2 ( Dept. Of EdXXXX ) -Exhibit 3 ( Experian FTC Report )
Product: Credit reporting, credit repair services, or other personal consumer reports

In response to CFPB complaint XXXX CitiBank approved monetary relief for my private student loan under its permanent XXXX program for military veterans. I have contacted XXXX and CitiBank to notify them that the credit reporting agencies are still showing I owe the debt + interest. XXXX on several occasions informed me they do not service my former loan and that I need to contact Citi. When I contact Citi, Citi tells me XXXX does service my loans and they have been instructed to remove and perform the appropriate actions. I again contact XXXX and is told the same information " we do not have any information on your loans, your loans is with a different servicer possibly ''. XXXX also told me that I should probably dispute the information with the three credit agencies. 

I contacted all three agencies and opened a dispute and each dispute was closed as " No Change, Creditor validated information on report is correct ''. Therefore, the credit agencies still is under the impression I owe this debt despite me sending them the letter from CitiBank showing the loans should be removed. 

I have uploaded the original complaint, the letter from citi, and the response from one of the credit agencies.
Product: Debt collection

I hope this letter finds you well. I am writing to dispute an account that I believe to be fraudulent and associated with your services, as it has appeared on my credit report. I kindly request that you investigate this matter promptly and take the necessary steps to remove the fraudulent account XXXX XXXX XXXX XXXX XXXX from my credit report. I am taking immediate action to address this issue by disputing the account 's validity.
Product: Debt collection

Between the first and last weeks of XXXX, Medical Revenue Service, XXXX XXXX, XXXX, Florida XXXX called my work phone ( XXXX ) from XXXX approximately XXXX times. The specific dates I have noted for this XXXX # are XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX., XXXX XXXX at XXXX and XXXX XXXX at XXXX. However, I deleted the first XXXX or XXXX instances without making a record. In addition I received calls from XXXX also associated with Medical Revenue Service at my work phone on XX/XX/XXXX at XXXX. and XX/XX/XXXX at XXXX. 

In no case did Medical Revenue Service identify their business name, nor the purpose of the calls. I did not actually receive any of the calls because they were either made after business hours or I was not actually in my office to receive calls ( I took off most of XXXX on leave ). 

I have only figured out that these calls came from Medical Revenue Service because on XX/XX/XXXX I received a bill from them dated XX/XX/XXXX. The bill was originally for a date of service at XXXX XXXX Hospital from XX/XX/XXXX. I have called XXXX Hospital Billing, paid the bill, received a confirmation number from XXXX, and XXXX has informed me that they will notify Medical Revenue Service. I have separately filed a complaint against XXXX for never sending me an original bill back in XX/XX/XXXX. I had no idea that monies were owed until I received the collection letter. 

However, I want to file a complaint that Medical Revenue Service did not contact me appropriately. It is my understanding that collection agencies are not supposed to call places of employment. My message on my office phone clearly identifies the phone as a workplace phone.
Product: Credit reporting or other personal consumer reports

I recently saw a late payment on my credit report. I spoke to multiple representative XXXX who assured me i was not late. I scheduled a payment of an apparent past due amount of {$330.00} for XXXX. This is the 3rd time i have had a problem with Wells Fargo.
Product: Credit card

On XXXX XX/XX/year> I sent a Registered Mail Ref # XXXX parcel to CITI CARDS Account ending in XXXX containing a Payment Instrument UCC 3-104 NEGOTIABLE INSTRUMENT along with a PAYMENT ORDER/Instruction UCC 4A-103. ( See attachments ) CITI CARDS received the Payment Instrument /order XXXX XX/XX/year>. To date they have refused to except my Instrument as payment with no legal justification. According to UCC 3-603 TENDER OF PAYMENT ( b ) IF tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender. The Instrument was stamped and endorsed tendered in the amount of {$4700.00} XXXX XXXX XXXX XXXX XXXX XXXX and XXXXXXXX 31

CFR 328.6. According to t he Law that govern consumer transactions this debt is Discharged.

UCC 3-301. PERSON ENTITLED TO ENFORCE INSTRUMENT states that the " Person entitled to enforce '' an instrument means ( i ) the holder of the instrument. I am the Holder of the Instrument, therefore I am entitled to Enforce the Instrument. I have made multiple attempts through phone communication informing CITI CARDS of their NOTICE OF DISHONOR. UCC 3-503. Their only response is that they dont except the form of payment they received from me. This indicates that they have received my payment resulting in a Discharge of the debt. I have asked for written justification of which they have refused to supply me. Their actions are a violation of multiple code/ laws covered Code of Federal Regulations and Uniform Commercial Code. CITI CARDS has violated their fiduciary responsibilities as servicers of my Credit Line. I have a forensic Auditor at my discretion to investigate whether or not they have Securitize any portion of line of credit with CITI CARDS.
Product: Money transfer, virtual currency, or money service

Updated Complaint Regarding Robinhood Financial LLC - Complaint # XXXX Complaint Summary : Since my initial complaint on XX/XX/2024, regarding the unauthorized transactions and mishandling of my account by Robinhood, I have faced further alarming developments. Despite clear evidence of fraud, a police report of severe intimidation, and financial records solely in my name, Robinhood continues to mishandle my case. 

After reporting the unauthorized transfers totaling {$10000.00} on XX/XX/, Robinhood locked my account, including {$8000.00} in unaffected funds that should not have been restricted. I repeatedly requested that the joint account ( which was funded exclusively by me ) be closed, and the remaining funds returned to my personal account. 

New Incident : On XX/XX/2024, Robinhood lifted the account restrictions without addressing my concerns, allowing an additional {$3800.00} to be stolen from the joint account, despite my explicit request on XX/XX/2024, to close the account and secure my funds. This brings the total amount stolen to over {$9100.00}. 

Robinhood 's Findings : Shockingly, Robinhood has concluded that no fraud took place. This is in direct contradiction to the evidence, which includes : Account access from an unfamiliar device that transferred funds out of my account. 
A police report documenting the threats and intimidation I experienced. 
Clear financial records showing I am the sole contributor to the joint account. 
I believe this conclusion is a form of retaliation for escalating my case to regulatory bodies, as Robinhoods actions have been negligent at best and malicious at worst. 

Negligence and Breach of Fiduciary Duty : Robinhood has failed to safeguard my account, even after I initiated the fraud investigation. 
They allowed additional funds to be stolen by not acting on my multiple requests to close the joint account. 
Their mishandling of my case has led to significant financial and emotional distress. 
Requested Action : I urge the CFPB to take immediate action to hold Robinhood accountable for their gross negligence and breach of fiduciary duty. I demand an immediate reimbursement of the {$9100.00} stolen from my accounts and a full investigation into Robinhoods conduct throughout this matter. 

Sincerely, XXXX XXXX Contact : ( XXXX ) XXXX Email : XXXX XXXX
Product: Credit card or prepaid card

Citibank closed my credit card acccount during the pandemic, and seized my baluable reward points I had accumulated on the card! 

XXXX XXXX credit cardholders have had their credit limits slashed or their credit cards closed in just the first XXXX months of 2021. This happened to XXXX out of XXXX credit cardholders, according to a report by online financial marketplace XXXX XXXX. 

It's due to banks reducing their risks during the Coronavirus pandemic, and it has hurt millions of consumers - like me - by lessening their XXXX scores by often XXXX or more points. 

To make matters even worse, in my specific case, my Citibank ThankYou Preferred card was closed abruptly by the bank. I received a curt letter in the mail advising me of the closure. What was NOT addressed in that letter were the XXXX ThankYou Points that were in my account. 

These are points that I earned, belonged to me, and could be used for airline trips, retail purchases, hotel stays, etc. They are valuable, and Citibank confiscated them with little notice and without providing me an option to spend them, redeem them, or transfer them. They just commandeered them. 

It was a pure greed XXXX by Citibank of my personal property that I earned and owned. And, I'm pretty sure they did this to hundreds of thousands of their customers. 

I believe the Federal government must intervene on behalf of the consumer public on these personal property XXXX. Please assist me and numerous others.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance Owed : {$230.00} XXXX XXXX Balance Owed : {$8500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S.C 1681 Section 602 A States I have rights to privacy.

15 U.S.C 1681 Section 604 A It also states a consumer reporting agency can not furnish an account without written instructions. 

15 U.S.C 1682 Section C without prior consent given directly to the debt collector or the express permission of a court competent jurisdiction a debt collector may not communicate with a consumer in connection with the collection of any debt,
Product: Debt collection

I 'm constantly being harassed and sought after over a debt that is not mine! I have disputed many of times and have been sent everything but a contract and proof of identification stating that the debt is mine!! This debt is not mine and I will like it removed from all credit bureaus!
Product: Credit card or prepaid card

These accounts with CAPITAL ONE BANK USA N with account number XXXX and XXXX has been paid, and thus, it should be removed from my credit report. There is no longer any balance on it and it has been closed. I have reached out to XXXX, XXXX and XXXX Bureaus and to the furnisher but no response was ever made by both of them. They have neglected my request of giving me a response or deleting this account
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently put up a copy of my credit report I saw a bunch of inaccuracies on my reports. I immediately reached out to the bureaus about this issue. I have read online that the bureaus have 45 to 60 days to do a investigation and I have waited patiently. I sent my letter dated XXXX I have still not heard anything back from the From the bureaus letting me letting me know that they have even started on my dispute. I believe this information is in accurate and whatever it has not been validated must be deleted according to the FCRA section 611 please Reech to to them and help me I also feel like these companies on my credit report have violated some of my rights XXXX. Harassment or abuse XXXX. False or misleading representations XXXX. Unfair practices XXXX. Validation of debts These items have cause such trouble in my life I just want them gone Im seeking litigation for a few of the accounts as well
Product: Debt collection

Amount of XXXX was sold without my permission from XXXX to trueaccord. 
Account was closed and place for collection on XX/XX/year>2023 by XXXX. 
TureAccord send me emails repeatedly attempting to collect debt