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

Robinhood changed my last name on my account without my permission, which is causing issues with my SSN. Despite me providing multiple forms of ID to demonstrate that my last name has a special character ( there is a phonetic spelling and a preferred spelling ), they have restricted my account and refuse to provide customer service support. Details below. 

On XX/XX/year>, I received an email from Robinhood asking me to upload an ID, or my account will be restricted. This happened last year as well, so I immediately provided supporting documentation to avoid an account restriction. When I registered for an account with Robinhood years ago, I used the preferred spelling of my last name ( XXXX ) since that's on record with my SSN. The phonetic spelling of my last name is XXXX, which is what's written on my driver 's license. Robinhood changed the spelling of my last name from XXXX ( correct ) to XXXX ( incorrect ) without my knowledge. This obviously caused a mismatch with my SSN. I pointed this out to them several times, but the correction was not made, and my account was eventually restricted. 

I have contacted customer support over 25 times during the past 2 months. My chat requests weren't returned for 3 days each time, and the responses were always inappropriate, not focusing on the issue or even trying to understand what I was saying, which is not rocket science. 

Initially, there was no option for a phone call, but eventually, this option appeared. When I asked for a callback, which is the ONLY way to get on the phone with someone, I wasn't called back for days! And when I received a callback ( on 3 separate occasions ), it was always at XXXX which makes me think it was purposefully done that way to make sure I " miss '' their call. There was a callback number provided in the voicemails which gave me an error stating the number is disconnected- WHAT THE HECK! 

Most recently, on XX/XX/year>, I received an email from customer service saying they understood my issue and apologized. They said if I uploaded ( yet another ) ID document ( I lost count of how many times I did this at this point ), the issue should be resolved. I did exactly that and even notified the person that I had completed my task. I uploaded my passport which includes BOTH spellings of my last name ( phonetic and preferred ). After 10 days, there were no updates, so I emailed back the same email thread asking for an update. I received an auto-response stating my case had been closed! My account is STILL restricted, so I'm not sure what they did or what the update was. This is so beyond frustrating and a colossal waste of my time. What a failure of customer service. I will close my account and reach out to an attorney AS SOON AS they release my funds, which they have been holding hostage for months now. This is unacceptable. 

The worst part is most of my chat history, documenting my frustration and Robinhood 's incompetence have been miraculously removed from my account. I am providing whatever 's left in my account but know that most of my chat history has been DELETED by the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve.I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX Date of inquiry XX/XX/2021 XXXXXXXX XXXX Date of inquiry XX/XX/2021 XXXX XXXX Date of inquiry XX/XX/2021 XXXXXXXX XXXX XXXX XXXX Date of inquiry XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

Delete fraud alerts and extended fraud alerts from all three bureaus TransUnion : # HK # EFCRA EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCOUNT. CONTACT CONSUMER AT ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT XXXX XXXXXXXX OR XXXX XXXXXXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX 

XXXX : FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act U.S. Department of Education Account XXXX, U.S. Department of Education Account XXXX, XXXX XXXX Account XXXX, XXXX XXXXXXXX XXXX, XXXXXXXX XXXX XXXX Account 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 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

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX {$XXXX} XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

I entered into a debt management program with American Express on XX/XX/2023. The terms are XXXX payments of {$22.00} on the XXXX of each month. The debt management company paid the payments in a timely manner and I was still marked delinquent and American Express is refusing to correct the information on my credit report.
Product: Debt collection

National Commercial Services continues to attempt to extort money that is not owed. They have not, and can not provide any evidence that any money is owed, yet continue trying to collect and have even reported a delinquent debt to the credit agencies. Their client was paid all that was owed. They can not supply any agreement or contract that supports a claim for any payment.
Product: Debt collection

I am trying to sell my house and last week, I was informed by the title attorney that there is a judgment lien on my property. I was not previously aware there was a lien. Upon further investigation, I discovered that this lien was a result of a default judgment that was obtained against me in  XXXX . I was never served with the lawsuit and thus never had a chance to respond. The original amount of the judgment was {$11000.00} but with judgment interest of over {$18000.00}, the current judgment amount is {$32000.00}. The background of this credit card debt is that my wife, at the time, opene d a Discover c redit card account while I was  XXXX  overseas. Although I did not authorize the account, upon my return and discovery of the amount due, I contacte d Discover 's  collection agent,   XXXX   XXXX   XXXX   XXXX    (   XXXX   ) and in  XXXX , I agreed to a full and final settlement of {$11000.00} to be paid over monthly installments of {$590.00}. Of this amount, I have paid {$10000.00}. I stopped making payments when in  XXXX   XXXX , I was informed by my bank that my monthly payment of {$590.00} was returned. When I contacted  XXXX  to find out what happened, I was informed that my account had been sold to   XXXX     XXXX . I was never informed that this sale took place or that my account had moved. I tried to contact  XXXX   XXXX  to resolve this matter and resume my payments but they refused to honor the settlement agreement. In  XXXX , I was contacted by yet another debt collection company,  XXXX   XXXX   XXXX , demanding full payment of the original amount due. I tried to explain what happened but they would not listen to me or try to resolve this matter. I wanted to pay the amount of the settlement as agreed, but the account kept being resold and/or placed with another agency, and the successor agencies did not have any information about the previous agreement and would not honor it. I want this judgment lien removed because I was never served with the lawsuit and I in any event, I have paid a substantial part of the judgment amount. I am about to lose the sale of this property because of a fraudulently obtained default judgment and the inability of Discover Bank to track its sales of charged-off accounts and prevent further abuses by debt buyers and collection agents.
Product: Credit card or prepaid card

I called on Wells Fargo on XX/XX/2020 because i was having online Access issues. I spoke an agent call length 12 minutes and 50 Seconds # called XXXX. I specifically asked the agent if my account was at risk of being closed due to no usage. Agent responded with no he did not see any indication that it was at risk of being closed. Today XX/XX/2020 i called to inquire on why my account was closed and was advised it was closed due to non usage and was closed on XX/XX/2020 number called XXXX XXXX XXXX They claim they have no record of the call. 

I feel that my card was closed as part of risk management during the Covid pandemic. I ave had this card for long time now. I am extremely disappointed that wells fargo treats consumer using predatory measures
Product: Credit reporting or other personal consumer reports

I am filing this FTC Identity Theft to report 5 separate fraudulent accounts appearing on my consumer XXXX credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a. XXXX  opened at XXXX XXXX XXXX {$450.00} on XX/XX/XXXXXXXX XXXX  opened at XXXX XXXX XXXX {$1100.00} on XX/XX/XXXX XXXX opened at XXXX XXXX XXXX XXXX, XXXX {$1100.00} on XX/XX/XXXXXXXX XXXX  opened at XXXX XXXX {$450.00} on XX/XX/XXXX XXXX opened at XXXXXXXX XXXX {$430.00} on XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that akk collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Debt collection

I lived at a Apartment in XXXX until XXXX when I moved out I had a {$0.00} balance. I am in the process of trying to buy a house and this apartment is on my credit 3 different times.I called National credit system to resolve the matter and they do n't want to meet me half way.I first offered XXXX dollars and they said complex would n't accepted it so I came up with XXXX and still would n't accept that either so I need help. please ....
Product: Money transfer, virtual currency, or money service

I wired Binance.us {$10000.00} on Sunday, XX/XX/2021. I paid extra for a " same day '' wire. It could not actually be done the same day since it was Sunday, but Binance had the funds by very early Monday morning ( I have confirmation from my bank on this ). Yet, 5 days later, the funds are still not in my account. There is an entry in my ledger that has said " Processing '' all week. 

They have no customer service phone number. They say the only way to resolve problems is via their ticket system. But, I filed a ticket on Monday ( and filed follow-up tickets ). They do not answer the tickets. 

This is a banking service. Delays cost people money ( assuming that this is just a delay, and the money has not somehow gone missing ). Binance needs to rectify this immediately. 

Additionally, I do not think any business that is effectively a bank and moves around large sums of people 's money should be able to just not have any live customer service. I do not know if there are any regulations to this effect, but if there are not and CFPB has any say in such matters, I would suggest that being contactable, the same day ( at least during business hours ), should be a requirement for a bank.
Product: Credit reporting or other personal consumer reports

Creditors : XXXX  XXXX ad Deserve Violated Section 15 U.S Code 1681a.-Definitions : rules of construction- Exclusion-Except as provided in paragraph the term " consumer report '' does not include- any report containing information solely as a transaction or experience between the consumer and the person making the report ; 15 USC 166B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purposes I need for these late payments to be removed from my credit due to the violation of my consumer report
Product: Debt collection

I did not receive any notification that this debt was sold to XXXX XXXX XXXX XXXX nor was I able to confirm or deny this debt is valid. Additionally, the debt was removed from my credit report in XXXX  2016 and now has reappeared. The debt does not meet the requirements set forth by The Fair Debt Collection Practices Act ( FDCPA ) and The California Fair Debt Collection Practices Act ( CFCPA ).
Product: Checking or savings account

i had i checking account with capital one i have stolen 2 checks was cashed it was not my writing on my signature on the checks capital one cleared the checks when i find out that they just gave me very hard timeo get copys of the stolen checks never willing to help me and closed my account i filed a complain against the cashing bank XXXX XXXX after while XXXX XXXX refuse to give me info ( there letter included ) they said i have to file dispute with capital one and here im capital one they are responsible for my money taking away
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a Fraudulent Account on my credit reports for XXXX, Equifax, & XXXX I have disputed this account multiple times. 

Fraudulent Account : XXXX XXXXXXXX XXXX Account number 00 Date opened XX/XX/XXXX Open/closed Closed Status Charge-off Past due amount {$400.00} Fraudulent Account : XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Status 60 days Late Past due amount {$0.00}
Product: Payday loan, title loan, or personal loan

Linked my account but it says XXXX doesnt allow me to do so
Product: Credit reporting or other personal consumer reports

have multiple fraudulent, unauthorized inquires on my credit report, Transunion shows 2 unauthorized inquires 1 ) XXXX XXXX XXXX inquired XX/XX/year> XXXX ) XXXX XXXX inquired XX/XX/year> as well. XXXX Shows 1 unauthorized inquiry for XXXX XXXX inquired on XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

As XX/XX/XXXX I've called and spoke with customer service about a fraud that put on my account by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Account # XXXX this company stated the account was open in XX/XX/XXXX I have told the agent was a victim in of fraud in XXXX as well and I assured they would ask for documentation of proof and today I received and email stating it's Verified as accurate.I request XXXX to provide Proof of certified documentation of accuracy of this update to my credit file. This collection company is not licensed in my state nor did this company send my a letter of dispute by mail. I request proof of signature and proof what address when this account was opened.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues. 

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621. 

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : Original Creditor : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : DEPTEDXXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX  ACCOUNT NUMBER : XXXX COLLECTION AGENCY : US DEPT ED ACCOUNT NUMBER : XXXX COLLECTION AGENCY : USDOEXXXX ACCOUNT NUMBER : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several paper work and letters to Experian stating the information they have on file is fraud and I have disputed with XXXX and XXXX  and which those 2 companies removed that information from my credit report now its Experian who has stated its been verified and I have ask for verification about this account and they have refuse to provide me information no letter no response only its been verified to of my knowledge I have a right to request documentation and as usually they refuse to give my that.
Product: Debt collection

I received a notice from BCA financial services inc XXXX XXXX XXXX XXXX  XXXX XXXX XXXX FL XXXX via mail on Saturday XXXX. There is only a phone number for the company and they are closed when I finally received this notice. I wish to dispute this bill as I believe it was already sent in. There is no information on dispute of rights under fair credit act listed at all. There is only a payment address to pay. There are not even any choices listed on how to pay only detach lower portion with payment. I don't even know if this is legitimate. I don't want to report that until I am sure. I will be dispute this and requesting a copy of the original bill.
Product: Debt collection

On XX/XX/XXXX at XXXX ; XXXX XXXX  a guy called me telling me he is from Transworld System to collect a debt from XXXX XXXX. 

I was asked for personal information. 
I did not disclose because I do not know who this person is or if XXXX XXXX actually hired them. 

The guy started to get hostile and informed me that without my personal identification - he can not disclose any information even basic ones such as which location of XXXX. 

I asked him for XXXX  contact number so I can call and verify - he refused to give me and got more rude and hostile and said " I don't care - do whatever you want to do. '' He demanded information accusing me of have getting billing mail from XXXX XXXX. I advised I moved addresses this year. 
He did ask but demanded my home address. 

Once again I have declined because I do not know who he is and if indeed XXXX reached out to them and not familiar with nature of call. 

Right after within 5 minutes I kept getting the same call at work. 
This is form of bullying and harassment. 

I have every right not to disclose personal information such as date of birth and social security number.
Product: Debt collection

BYL COLLECTION SERVICES , LLC contacted me via USPS in regards to an alleged debt on XX/XX/2021. I wrote a letter demanding validation of this alleged debt as I have no record of consenting to be communicated by BYL COLLECTION SERVICES , LLC nor am I legally obligated to pay any and all alleged debt to them as I have no contract with BYL COLLECTION SERVICES , LLC. I also attached a cease and desist with the beforementioned letter. Both documents were sent off XX/XX/2021 certified mail with a green return receipt and received on XX/XX/2021. BYL COLLECTIONS SERVICES, LLC was given 5 days upon receipt to provide proof for me to see that validates their alleged claim. They have failed to do so resulting in this matter being settled.