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

Dear Sir/Madam, I am submitting this formal complaint against Robinhood Financial , LLC regarding their unfair and unjustified restriction of my account following a simple disputed transaction, which has resulted in severe financial consequences for me.

Complaint Summary 1. Account Restriction Without Justification My Robinhood account was suddenly restricted after I disputed a charge that I did not authorize. 
My account was not compromised, not shared, and no XXXX or verification was requested, making their restriction baseless. 
Despite multiple attempts to communicate with their support team, I have been repeatedly dismissed without resolution. 
2. Withholding of Payroll Funds Just before the restriction, my entire paycheck from my employer was deposited into my XXXX account since I had switched my direct deposit to their platform. 
As a result, I have been completely locked out of my own paycheck, leaving me financially stranded. 
This timing seems highly suspicious, as they restricted my account immediately after receiving my payroll deposit. 
3. Severe Financial and Personal Impact Due to XXXX unjustified hold on my funds, my rent payment has bounced, and I am now facing eviction proceedings. 
I have also incurred substantial overdraft fees, late fees, and other financial penalties because I am unable to access my legally earned wages. 
XXXX has continuously delayed the resolution, each time pushing the timeframe further without taking accountability. 
Regulatory Violations and Consumer Rights Violations Fair Credit Billing Act ( FCBA ) & Electronic Fund Transfer Act ( EFTA ) : Robinhood is improperly punishing me for disputing a transaction, a legal right protected under federal regulations. 
Consumer Financial Protection Bureau ( CFPB ) Regulations : Financial institutions are required to provide fair and timely dispute resolution, which XXXX has failed to do. 
XXXX XXXX  XXXX Compliance Failures : Failure to properly handle customer funds in a timely manner. 
Potential misuse of account restrictions without proper cause. 

Requested XXXX I demand immediate access to my funds and a full explanation from XXXX regarding their actions. Specifically : 1. Immediate lifting of my account restriction and access to my paycheck.

2. Compensation for bounced rent payment, overdraft fees, and all financial penalties caused by their delay.

3. An investigation into XXXX practices regarding their handling of disputed transactions and account restrictions. 
4. Regulatory action against XXXX for their negligence and mishandling of customer funds. 

Robinhoods failure to responsibly manage consumer funds is unacceptable and has caused severe personal and financial harm. I request urgent attention from regulatory authorities to hold XXXX accountable for their negligence and prevent them from harming other consumers. 

Thank you for your time and consideration. Please let me know how I may further assist in the investigation.
Product: Payday loan, title loan, or personal loan

On  XXXX , I signed a contract with  XXXX   XXXX   XXXX   ,   XXXX , to have my home painted with  XXXX . Shortly after the work was completed I received notice that the loan had been sold to   XXXX   XXXX  , a program of SunTrust Bank, a Georgia banking corp., in  XXXX , Georgia. My minimum monthly payment on loan #  XXXX   XXXX   XXXX   XXXX , was set at {$130.00}. Nearly every month I made payments of {$150.00}, but some months I paid double that amount, {$300.00}. In  XXXX ,  ( o r possibly sooner, not sure ), I started receiving notices by mail as well as phone calls that I was behind in my payments. I tried asking the callers how I could be behind when I was making payments that were in excess of the minimum due and was therefore, in reality, ahead of schedule. I was never given an answer. The only response from them was, " When are you going to pay. '' After several rounds of this I quit answering the phone calls. I continued to make 'extra payments but no matter how much I paid ahead, the calls and notices continued. In  XXXX , I sent a letter to  XXXX  outlining the payments I had made vs. the minimum amount due and showing the amount that I was ahead by. I have never been given the courtesy of a response. It should be noted that it was a long time before I started receiving a monthly statement. The first one I find in my file is for  XXXX . In  XXXX , I sent a second letter to  XXXX  with a {$500.00} payment. In that letter I reiterated the info and facts of the first letter as well as a request of credit for all late fees and charges I have made by their errors as well as a payoff amount for the loan. As of this date, I have received no response to either of my letters. I received a debt collection letter dated  XXXX , that states that I am behind {$260.00}. There is no credited acknowledgement of the above indicated payment of {$500.00}. On their paperwork they have indicated, " There is no prepayment penalty. '' Yet it is clear to me that I am being penalized for doing just that. I am at a complete loss as to how to have this problem rectified, thus I am contacting you because I want to pay off this loan. I want to pay what I owe but nothing more than that. Thank you for your time, interest and assistance in resolving this matter!                    XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Mariner finance needs to remove this damaging information on all three credit reports or ill sue them! I'm trying to get a mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Experian about the following negative accounts XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$270.00} XXXX ), XXXX ( Date Opened : XX/XX/XXXX, Balance : {$3600.00} XXXX XXXX ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Debt collection

XXXX XXXX sent me a final bill for services and agreed to waive the early termination fee because I was moving to a location that did not allow satellites. They never waived the termination fee as agreed. I paid XXXX {$530.00} for my last month of service and early termination. XXXX then sent my account to collections ( Receivables Performance ) stating I owe {$800.00}. I don't know where they got that balance from and why it was ever sent to collections when I paid XXXX directly in a timely fashion.
Product: Payday loan, title loan, personal loan, or advance loan

I paid {$160.00} a month for about XXXXyears plus ; around XXXX. They gave me the option to refinance my loan and they asked me if I had any vehicle paid off as collateral, I advised yes, which was odd to me because I had answered that on the previous loan. So the loan officer asked me again and I said " yes '' provided the loan officer the year, make and model of my paid off vehicle. Next thing I know, I get a letter from my insurance company in XXXX or XXXX telling me to add One Main Financial as the 'lien holder '. It was a huge shocked to me and set back because I could not sell my vehicle until I paid off the loan with them. I contacted them once I realized what they sneakily did and I asked them I did not sign up for a title loan, and the woman on the phone said " you have nothing to worry about if you pay your loan on time. '' I told her if I would have known that I would not refinance the loan. I was livid because I wanted to sell my car to purchase another car.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has a few account 's listed on my credit report that are inaccurate. After several attempts including notifying Transunion that i was a victim of Fraud. They did not remove these inaccuracies. These accounts were not verified. They put incorrect remarks on these accounts and these are dragging my credit scores down. Which it seems like Transunion is attempting to try to push me towards bankruptcy by force due to this inaccurate information. 

Accounts include -XXXX XXXX XXXX # XXXX Which is a charge off for {$1000.00} which i never opened, and i notified XXXX this was a fraudulent account nor ever lived at the address. They also stated that i opened this account and reported fraud and that the fraud was listed on my account and sent letters to me. This is also false, i never received any mail from them. 
XXXX XXXX - Charge off for XXXX XXXX XXXX XXXX # XXXX {$10000.00}. 
XXXX XXXX - Charge off for XXXX XXXX XXXX  XXXX # XXXX for {$15000.00} I never opened these accounts, and have notified transunion on many attempts at resolving this. 

Secondly my auto loan XXXX XXXX # XXXX says Redeemed repossession. This was never a repossession. I have always had this in my possession and have paid current on time, every month. This is false information and the remarks need to be removed. They were not there up till last month and the car was not repossessed. 

Also XXXX XXXX XXXX - XXXX XXXX XXXX # XXXX It shows 150 Days late which is this inaccurate. The XXXX company had agreed to match the last two payments which would have paid off the balance. XXXX  did not match pay these payments for several months after over 20 calls, and several emails and mailed letters. I asked several times when they would hold up their end of the contract and they said they were processing it. Finally they did match the payment but the deliquesces are inaccurate. 

XXXX - XXXX card. I never opened this account. This account was a result as of fraud that occurred when my identity was stolen. Please remove this inaccurate account from my report.
Product: Credit card or prepaid card

On XX/XX/XXXX, I applied for a Capital One Savor One Card. Since I subscribe to XXXX XXXX and XXXX, I received an alert that XXXX, XXXX XXXX and XXXX had been pulled for evaluate my Capital One credit application. 

I received a online response when I completed the application indicating additional review was necessary and I would receive a decision within 7 to 10 business days. It has now been almost a month ( 20 business days ) and I have not heard one word from Capital One. I have called them several times and I keep getting a response that they are sorry but more time is needed. I have been an exceptional  customer of Capital One for many years and I am at a loss as to why they havent made a decision on my application and refuse to communicate with me. 

No consumer should be treated so unprofessionally. With the 30 days approaching will my application be voided. Will additional pulls of the Bureaus be necessary to continue the application process?
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting Act XXXX  XXXX  XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX  XXXX  XXXX Account # XXXX have violated my rights. 

15 U.S.C 1681section 602 A. States i have rights 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: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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>
Product: Mortgage

This is a continued case from Compliant # XXXX I received 2 calls both a message with no person 's name just a voicemail to call HomeBridge and a phone number. ( Very unprofessional ). When I called back they said that everything is cleared up on my account and that I did not owe any past due amounts. They said I would receive a letter any day about them sending a notice to a 3 credit agencies to remove any negative marks. ( I did received the letter ). After our conversation ended, the rep called me back and told me that I actually overpaid all this time {$2700.00} and asked if I wanted a check. I told the rep that it was suppose to be applied to the principal all this time. I told him I would discuss with my Husband and my bankruptcy attorney. I received the 2nd call no name just voicemail and I called back they said my loan will be transferring to a new mortgage company. I told the lady rep that I wanted them to apply the {$2700.00} to the principal. She said she would make note. 
In regards to the letter from Homebridge
( see their response on the previous C
ase # XXXX. My comments to this letter are : I received a escrow statement they sent to my lawyer every year except XXXX. By LAW they are to send every year 's escrow payment to the bankruptcy lawyer and file with the court. They did not do this for XXXX. My bankruptcy confirmed they did not file with the courts per court records. Homebridge does say due to an inadvertent staff member error .... I never saw a past due amount on the escrow statements I received in XXXX and XXXX and paid what the new amount was. The letter further says that I told them to apply part of the {$2700.00} over payment to my XXXX mortgage and apply the balance to the principal. I did NOT tell the rep this. 1st of all I had already paid my XXXX payment. I told her to apply all the {$2700.00} to the principal. They need to go back to the RECORDED call! I do not yet again want the {$1700.00} I just paid for XXXX mortgage to be setting in Homebridge 's savings account getting interest when I said to apply all of the over payment to the principal. 

All of this time that I have been paying extra to go toward the principal was going to Homebridge 's account earning interest for them while they were sending remarks to my credit agency. This also caused me to pay more on interest since it was not being applied to the principal. I do not think this is fair. Finally there is a Monetary relied amount listed of {$340.00}?? What is that? I haven't seen that and that is nothing compared to this mess and time I have to waste on something due to HomeBridge 's employees errors. 

To make this all worst!! I received another statement 2 days ago with past due amounts AGAIN {$1300.00} pre bankruptsy and {$1800.00} past due???. This is not cleared up and now this will be reported to the credit agencies again! I would like these past due amounts to be taken off my account ( see statement attached ). I may have to take additional means to get this cleared up.
Product: Mortgage

I had an equity line of credit with Citizens Bank of Rhode Island. This line of credit expired last week XX/XX/18. On XX/XX/18 I received a letter telling me to pay a {$180.00} " discharge fee ''. They further went on and said that if I don't pay this fee they will not close my account AND they will not release the lien on my house, even though I have a XXXX balance and I owed them nothing. ( see attached letter ). 

I tried calling the " Customer Service '' number provided in this letter and its a joke. This number was strictly for making a payment. So I could not talk to a person regarding this situation. 

Furthermore, the " discharge fee '' was not listed in our contract. They just popped that one on me. That is highly unethical. Reading complaints against Ciltilzens Bank there has been the same issue with other customers so this is an ongoing issue. Are they targeting Seniors because Seniors are less inclined to dispute this charge? 

So, in essence, they did a paper version of " ransomware '' on me by trying to extort {$180.00} from me. At this point, I can not get another loan and I can not use my credit to get another loan. Like ransomware, I can not access and enjoy my intellectual property ( credit ).
Product: Credit reporting or other personal consumer reports

XX/XX/ I went on my XXXX XXXX site, PenFed XXXX Pentagon Federal Credit Union. In their credit card application, they clearly state, PREQUALIFY WITH NO IMPACT TO YOUR CREDIT SCORE! I applied and before I could even press submit, I was getting an alert from XXXX XXXX about a hard pull on my credit report! I only applied because they clearly stated, no impact on my credit score! I have a screenshot of this company stating the no impact on your credit score.
Product: Mortgage

I am writing to formally request that Mr. Cooper, who is purported to be the current Note holder, provide the following documentation : Proof of Holder in Due Course : Evidence that Mr. Cooper is the legitimate holder in due course of the Note, Accepted Accounting Principles ( GAAP ) verification that your company is a creditor of the instrument, as mandated by GAAP with the appropriate book entry debit for the transaction. 
Original Note : The original Note bearing the wet ink signature, as required by law. 
Despite multiple requests for this information, I have not received the documents as requested. These omissions represent a violation of the Truth in Lending Act ( TILA ) and serve as prima facie evidence that the attempts to collect on this note may be based on fraudulent practices. 

I am also formally putting on record that fraudulent activity is suspected in relation to the property, as detailed in the following timeline of events : XX/XX/XXXX : Purchase contract signed for the construction of a new home. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nationstar Mortgage, also known as Mr. Cooper, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  subsequently filed for dissolution and ceased operations ; Foreclosure re-filed by Mr. Cooper. 
XX/XX/XXXXXXXX XXXX XXXX Property foreclosed with {$490000.00} in proceeds. 
Grantors for Sale/Transfer XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Requesting that Mr. Cooper provide the list of items as requested, Original Note, with my original wet ink signature, as required by law, Proof of claim that you are the current holder of due course of the Original above mentioned Debt Instrument and I wish to have the the instrument presented to me for visual inspection. ( XXXX XXXX XXXX XXXX
Product: Checking or savings account

Me and my parents have an account at Citizens Bank and the bank froze the account with no explanation whatsoever. 
This was done at the beginning of the year 2022 around XX/XX/XXXX is when we noticed a problem with the account, reached out to the branch managers and told me that they send us a letter to our home address and we NEVER received any letter. I called the customer support number, the fraud department, no one wanted to give me answers. 
Today XX/XX/XXXX they withdrew all our money and they said they would send it in the mail. 
We never asked our account to be closed, all we asked was assistance and an explanation of that is going on. The account has no shady transactions, this is there retirement account that I manage ( joint account, me and parents were on it ) for them to pay their bills, direct deposit for their Social Security and mortgage payments. 
This is completely unacceptable. They withdrew {$32000.00}. What happens if we don't get the check? since we already didn't get the letter notification.
Product: Checking or savings account

I transfered money using there pay anyone transfer, I entered the phone number that i was sending the money too and it was sent to someone else. They stated there was no error because that phone number is linked to that persons CHIME account. I sent them my phone bill to show that that is my phone number with the phone number and my name showing and account number but they stated that was not an error because that phone number is linked to that CHIME member it was {$1600.00} and it was my rent money. Please help me please
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a Capital One account showing on my credit report as closed. This is inaccurate information and is affecting my lively hood. I have also missed out on a job opportunity because of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized and inaccurate reporting to my consumer report multiple violations and failed to fix problems
Product: Credit reporting or other personal consumer reports

Threatening corrupted and fraudulent letters from a law firm Linebarger Goggan Blair & Sampson, LLP representing XXXX XXXX against a honorable or ordinary citizen, erodes our justice system, WE THE PEOPLE will not be silenced and will appreciated checking this law firm and XXXX XXXX XXXX, fraudulent stated : vehicle tag # XXXX unpaid parking fines, knowingly that this vehicle title did not correspond to the name involve in this letter received and attached in this complaint for fraud that harm our family, this could be of robbed of identity affecting our credit record. 
We are fighting against fraud and corrupt and silence is not an option. Please review and make right thing, protecting the community.
Product: Vehicle loan or lease

I purchased my auto in XXXX. Made every payment early and over the amount. Paid last payment to Hyuandai Finance on XX/XX/XXXX. I still have no title. They said that it is an electronic title with XXXX XXXX Florida. XXXX XXXX Florida XXXX said its an electronic title with a non electronic XXXX. All I need is a lien release notarized paper from Hyuandai. Hyuandai is refusing to overnight me this paper after auto was paid off over 1 year and 3 months now. I have made numerous calls, heard Hyuandai blame me and the XXXX for errors.
Product: Payday loan, title loan, personal loan, or advance loan

We got a loan out on our car, and we were making payments for a while until we got our hours at work reduced, both of us had our names on the loan. I injured my back at work and I'm off without workers comp. My wife is XXXX old and she recently retired getting SSA benefits next month, and she only works XXXX  days a week. We are well below the poverty rate. We sent proof that we get food stamps, and we sent the document to the company to get the garnishments of wages stopped. It didn't stop, so I called the person assigned to the account of the loan and she said she got the document, and it should be stopped soon. As of this week, the garnishments of wages are still taking my wife 's money. I told her I was going to make a complaint if it didn't stop by next check and here, I am complaining.