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

My daughter and I went to the chase location in XXXX TX ( XXXX XXXX XXXX XXXX, XXXX, TX XXXX ) in order to close my husband 's checking and saving 's account on XX/XX/XXXX. When we presented the Consulate Report of Death Abroad given to us by the US Consulate in XXXX, they refused to accept that as a Death Certificate as they claimed it was not a sealed/certified document. However, the US Consul official informed us that there is no other format that they release as the new form has their signature and electronic seal directly onto the document and all prints of the same count as the original of the document. 

Due to this, they refused to close the account and release the remaining funds in the account ( XXXX USD in the Checking, XXXX in the XXXX ). 

Over the weekend, there was a hold placed on both accounts, so I am unable to access them electronically anymore, either. Now I can not withdraw the funds through the application or the website. This hold also placed the Savings account in a negative status with a debt of - XXXX, with no description other than " Misc Debit ''. 

I called CHASE 's Estate department on XX/XX/XXXX and spoke with a young lady who informed me that I should be able to close the Checking account with my ID and my husband 's death certificate, as I was a co-owner of the account. However, she refused to even answer questions about the status of the Savings account or correct the error on the account that is causing the debt to appear, as I was neither co-owner nor beneficiary on the account. As such, I am unable to determine what I can do to retrieve the remaining XXXX USD from the Savings account or even what is causing that exorbitant debt to appear.

As it stands, the accounts are not closed, but placed on hold and with an unknown debt added to the Savings account. They refuse to acknowledge my relationship with my deceased husband, who has passed away as of XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activity must be removed and blocked from reporting to my credit reports. I have attached the letters and FTC report that was sent on XXXX  2021 which I never received a response for. They are still contacting me and this is still showing on my credit report. I will sue them if they continue to collect/report debt that does not belong to me!
Product: Credit reporting

Phoenix Financial Service continues to report negative information on my credit reports in regards to a location in which I did not reside. I recently received a copy of my credit report ( XXXX, XXXX and XXXX ) and after reviewing it I found questionable items listed by Phoenix Financial Service. In the past, I have asked that Phoenix Financial Service send me copies of the documents that they have in their files that are used to verify the accuracy of the account. I have no documentation with an account number. No one has ever answered my request. In fact, Phoenix Financial Service completely fails to disclose to me all of the documents that they have in their possession that is concerning the account that is being reported negatively in my credit report. Instead of providing me with the documentation, Phoenix Financial Service insists that the account has been verified and is correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable accounts that are keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding these accounts. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I'm currently facing a frustrating situation with Robinhood. Here 's what happened : 1. Account Creation and Initial Transfer : I opened a Robinhood account and transferred {$4700.00} into it. 
2. Unexpected Account Restriction : Right after setting up my account and before I could make more than two transactions, Robinhood restricted my account. They did not provide any explanation for this action. 
3. First Attempt to Resolve the Issue ( XX/XX/XXXX ) : Concerned, I called Robinhood 's customer service. They conducted a series of identity verification questions and assured me the issue would be resolved promptly. 
4. Second Call from Robinhood ( XX/XX/XXXX ) : Ten days later, Robinhood reached out to me, repeating the identity verification process. They said it would take time to review, and that my account would remain frozen when they review, meaning I couldn't trade or even withdraw my funds back to my bank account. 
Current Dilemma : I'm left in a bind because Robinhood is holding my {$4700.00} without any legal basis, effectively locking me out of my own funds without the ability to use or retrieve them. 

This ordeal has left me feeling powerless and seeking answers about my rights as a customer and Robinhood 's accountability in managing accounts transparently.
Product: Checking or savings account

My account was locked Tuesday XX/XX/year> while trying to buy my XXXX KIDS SOMETHING TO EAT! All my funds are on my Citi card. I havent been able to go to work since last Tuesday. Im basically FIRED! The van I use was recently towed on Thursday XX/XX/XXXX as well. Now the price is up to almost {$2000.00} to get it out! Because youll locked my account for NO APPARENT REASON & I cant access my funds. My kids havent ATE I HAVENT ATE! I want to file a lawsuit because of this! Why do I have. To keep waiting days for a verifications letter when I can walk in the branch myself with my ID SSN BIRTH CERTIFICATE WHATEVER THEY NEEED TO VERIFY! I attach my police report when I got pulled over and they impounded car which I wouldve gotten out the next day if my account wasnt locked as well as XXXX reeling me Im negative XXXX  because I havent been to work in a week Im negative 40 hours!!
Product: Credit reporting or other personal consumer reports

My account with XXXX  XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX AND XXXX was never late! I have had exceptional payment history witH XXXX  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 my 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 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 XXXX  XXXX XXXX AND 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: Debt collection

In mid-XXXX I received a call from Harris and Harris for a XXXX XXXX doctors bill they said I owed from XX/XX/2023. I answered the call and told them that it was with my insurance company ( XXXX ) and I was waiting for XXXX to pay its portion and I would pay the remainder of the claim when notified by XXXX. On XX/XX/XXXX I paid XXXX the balance of what was my responsibility to XXXX XXXX through XXXX 's online payment. 

I receive debt collection calls on a bi-weekly basis as well as monthly letters telling me I still owe the payment. I have spoken with Harris and Harris 4 times to explain that it was paid and that they needed to review their info with XXXX  XXXX. On XX/XX/XXXX I spoke with Harris and Harris again, and told them to stop harassing me, that XXXX  XXXX had received the payment ( I can see it on XXXX ) and that my XXXX claim shows I paid the entire balance off months ago. I sent two emails to Harris and Harris with the XXXX claim, proof of payment and XXXX XXXX XXXX balance. I have owed nothing since early XXXX. 

Today I again received a letter and, again called. This is harassment. Many people would just pay this and therefore pay twice - Harris and Harris is trying to collect money that is not owed and profit from their harrassment techniques.
Product: Credit reporting or other personal consumer reports

I am writing to dispute inaccurate information that appears on my credit report. I am exercising my right to dispute this information under the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S.C. 1681i ). 
The following item on my credit report is incorrect and I request that you investigate and remove it : Creditor Name : [ XXXX XXXX Bank ] Account Number : [ XXXX ] Reported Late Payment Date : [ XX/XX/year> ] This late payment report is inaccurate because the payment in question was never actually late. The issue arose due to a dispute regarding an escrow account payment, which was charged unfairly for a reported lapse in our insurance policy. We were actively disputing this charge at the time, as we had continuous insurance coverage and believe the reported lapse was an error. 
During this dispute process, we continued to make our regular mortgage payments on time. Unfortunately, it seems the disputed escrow amount was incorrectly flagged as a late payment. 
I request that you investigate this matter and remove the erroneous late payment report from my credit history. If you are unable to verify the accuracy of this information, it should be promptly deleted from my credit report as required by the FCRA. 
Please provide me with the results of your investigation within 30 days, as required by the FCRA. If you find that this information is indeed inaccurate, please send me an updated copy of my credit report. 
Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

Dear Comenity/Ideal Image I am writing to you again in disbelief that Comenity/Ideal Image would deny its legal status as a consumer reporting agency ( CRA ) under the Fair Credit Reporting Act ( FCRA ). At this point, your contrary claims can only be characterized as a willful disregard for the unambiguous language and decades of case law interpretation of the FCRA. 

Let me reiterate in full detail exactly how Comenity/Ideal Image irrefutably qualifies as a CRA to avoid any possibility of further confusion or misrepresentation on your part : Under 15 U.S.C. 1681a ( f ), a CRA is defined as " any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties. '' It is indisputable that Comenity/Ideal Image furnishes consumer credit data, including payment history and account balance information, to XXXX, XXXX, and XXXX on a regular basis. Furnishing such consumer reports to credit bureaus is considered " engaging ... in the practice of assembling or evaluating consumer credit information ... for the purpose of furnishing consumer reports. '' Gillespie v. Equifax Information Services, LLC, 484 F.3d 938 ( 7th Cir. 2007 ). 

Further, multiple circuit courts have affirmed that this definition of a CRA includes furnishers of information like XXXX. See, e.g., Shaunfield v. Experian Info. Sols., 991 F. Supp. 2d 786, 791 ( N.D. Tex. 2014 ) ; D'Angelo v. Wilmington Med. Ctr., Inc. , 515 F. Supp. 1250, 1253 ( D. Del. 1981 ). 

To remove all doubt, the Federal Trade Commission 's ( FTC ) official commentary on the FCRA definition of a CRA explicitly states that furnishers of information, such as creditors, landlords, and employers, meet the definition : " they are CRAs and they must comply with all applicable requirements imposed by the FCRA and its implementing regulations. '' 16 CFR Part 600, Appendix. 

The inescapable truth is that by furnishing consumer data to XXXX, XXXX, and XXXX, XXXX XXXX in every sense " regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information... for the purpose of furnishing consumer reports '' and thus qualifies unequivocally as a CRA under 15 U.S.C. 1681a ( f ) with all attendant legal duties. 

To continue denying this legal reality exposes Comenity/Ideal Image to serious liability, including potential FTC enforcement actions and class action lawsuits. I urge you again to acknowledge the facts and remedy your non-compliance without further delay. My detailed outline of the law leaves no room remaining for doubt or excuse. Please advise how you intend to properly address my dispute in accordance with your FCRA obligations as a CRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

My bank provides me weekly credit score updates from Transunion and said my score dropped XXXX points in a week and when I checked the report it said it was a new account listed. I tried to chat with Transunion to dispute explaining I am only an authorized user on the new account and my permission was never given for my report to be checked and they told me that even though I am only authorized user It affects me and my score just like a new account would though I never authorized my credit to be checked or effected. I tried saying my other accounts where I am only authorized do not impact my score as they are very high limits it would greatly increase my score but they didn't want to listen.
Product: Student loan

I have been repaying for over 5 years. I would like to find out why my loans are not being lessened every month. I pay {$1400.00} every month and it goes in to the whole total of the loan. These loans are direct and private apparently. The payment page says it is put towards my loans however I have looked for the past year that the money is some how disappearing. In XXXX of XXXX I paid the XXXX and the loan balance is {$2900.00} but as of XXXX the loan balance was XXXX. Please tell me where my XXXX dollars went? XXXX I paid XXXX again and finally the balance did go down to XXXX, something I did unfortunately not write that one down. However it appeared the money was finally used but what happened to it in XXXX? Now XX/XX/XXXX the loan shows XXXX when I went to pay the loan on the XXXX of this month. Today the XXXX I looked to see what my XXXX went It is now at XXXX. When I did the math to this my loan should be XXXX. There is a XXXX discrepancy on the loan.So my money is again missing. Please help I have no clue what to do. I have been paying the loan off for over 5 years it started at {$80000.00} and I am finally down to XXXX. Still WHERE is my money going? Thank you.
Product: Checking or savings account

I tried to open both a savings account and a CD for my elderly ( XXXX XXXX  ) father. I applied with two different online banks to get a better interest rate than he was getting locally. 
CITBANK which is First Citizens Bank sent me a refusal email ( attached ) after I filled out all the application papers online, and gave out his funding banks information over the internet. 
Same exact think happened when I tried to apply for a high yield savings account with an online Bank out of XXXX XXXX called XXXX! Can you tell me whats going on, is this an age discrimination thing or what. Why do they have the option of choosing who they can or can not do business with?
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress For these violations
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX XXXX of Debt bondage and would like for all listed accounts to be BLOCK AND DELETED COMPANY INFORMATION EXPERIAN LLC CUSTOMER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And 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 general, 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.
Product: Debt collection

The credit reporting agencies and the collection agencies stated the debt was mine. I began disputing this information on my credit report in XXXX of 2024. I sent letters to the credit reporting agencies that my personal information was wrong on my credit report, my name was spelled wrong. There were numerous spellings of my name, multiple addresses that were not mine, the employer listed was not correct, and the phone number was incorrect. I sent the disputes by mail certified with a receipt. My credit reports do not show any disputes with the collection agencies. I filed with the FTC because since I have caught this issue my data has been breached 4 times in less than a year. I have no online access to XXXX or XXXX because I am locked out of those credit reports online. Since my information is not correct when I call the two agencies they can't identify me as the account owner. I have never signed any agreement to have my personal information to be sold to any third party. However, since the original creditors have sold my information and the credit bureaus have failed to manage my personal information my social security number has been compromised and now I am dealing with identity theft.
Product: Credit reporting

I found XXXX addresses on my XXXX report where I 've never lived. I have had my XXXX / ATM card used fraduantly in the past. I got a new card back then, and did not think there were any further problems until today until I click on my credit information. I 'm not well versed in this. And will have to seek help to resolve this. As XXXX address is in a state I 've never even visited..
Product: Credit reporting, credit repair services, or other personal consumer reports

Im resubmitting 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 FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 


According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

North America Credit Services are using harassment tactics to collect a debt. 
They have not provided any proof of this debt. 
Everything they are doing is in violation of the FDCPA.
Product: Debt collection

XXXX XXXX XXXX has for the second time sent a bill to collection and effected my credit report for a bill that is not mine. I never attended this facility on XX/XX/2016. My insurance is with XXXX and does not permit me to use this facilities unless I want to pay out of pocket for service.
Product: Debt collection

I recently noticed on my credit that there is a listing of a company name XXXX XXXX which they claim " i owe {$860.00} '' this information is incorrect and its hurting me financially. 
I contacted the company by register mail two times back in XXXX and XXXX of 2018 asking the removal of this incorrect listing. I stated that this account was not mine. 
They reply by sending me photo copies of a bill from XXXX claiming that " I owe {$860.00}, the XXXX bill had an unknown address and it was not on my name. I called the company on XX/XX/18 and the agent told me that the only way they consider the removal of the listing is by filing a police report as an identity theft case, I don't believe my identity was stolen, I believe it was a clerical error by the original creditor or by the collection company is reporting it. I wont file an identity theft because the credit bureaus may flag my credit or put a temporary lock on my credit which I believe is not necessary. it will damage me more in case I need to applied for credit.