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

It is XX/XX/year>, a few weeks ago I began to transfer assets out of Robinhood due to a total lack of customer support. Little did I know that would come full circle, when they restricted my account for no reason. I have my entire savings there and it has now been restricted for weeks. Their customer support chat is non existent, I have been waiting for a representative shortly for more than a week and the call backs usually take XXXX days. On my last call back the lady would not take my information or transfer me to a manager and told me to redo the whole process because she input my information incorrectly. Also when I transferred my ROTH IRA account out of Robinhood I got a {$100.00} fee slapped onto it for no good reason, that they decided to add, it was not a withdrawal of funds merely a transfer, so no fee should be included. I am now stuck with my entire savings restricted for no good reason and absolutely no one to speak to about this.
Product: Checking or savings account

1. I paid {$5000.00} through XXXX ( on the IRS website ) in XXXX 2023 to cover an estimated tax payment for 2022 taxes.

2. XXXX took the money out of my account and I thought therefore it had been paid to the IRS.

3. We filed our taxes before the XXXX XXXX, 2023 deadline with a XXXX 4. The IRS returned something to us in XXXX 2023 saying we actually owed taxes of {$350.00} 5. We investigated via the IRS and found the {$5000.00} was never applied.

6. I paid the {$350.00} to avoid further penalties 7. I called the IRS and sent a letter asking them to investigate. ( Letter is attached ) 8. The IRS got back and said they never received payment 9. I investigated further and we looked up the provider XXXX and called them to find out what happened.

a. They said that they never received payment and that the debit card had refused payment when they tried to charge it b. I asked to speak to their manager.They refused and said I need to take this up with my bank if Im missing the funds and then hung up on me 10. I called my bank BOK FINANCIAL to dispute the charge on XX/XX/XXXX a. A dispute was filed with XXXX different departments within the bank b. Both investigated and refused to dispute the charge because it had been over 1XXXX days from the original charge c. I sent my bank another letter informing my bank that this was actually a case of fraud by XXXX " Dear XXXX XXXX, At BOK FINANCIAL, our ongoing commitment is to provide you with outstanding client service, and work to resolve any problems you may experience. On XX/XX/2024, you informed us of the XXXX  Debit Card transaction ( s ) you believed to be in error.

We can only dispute a transaction involving consumer participation if the error is reported to us within XXXX-day time frame, unfortunately the disputes team is unable to attempt a recovery of funds through the disputes process, your local branch or XXXX may be able to assist you further.

Should you have any questions or concerns, please contact XXXX XXXX XXXX XXXX XXXX XXXX ( Toll Free ). Your business is important to us, and we appreciate the opportunity to serve your financial needs. '' *This is an automated email ; any replies will not be monitored* 11. I looked up XXXX on XXXX  and other internet companies.They have done this to hundreds or maybe even thousands of people.Only when it was brought to XXXX or some other institution did the person get their money back.

12. I filed with XXXX but have not heard back
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Even after I entered into a forbearance program in XX/XX/XXXX after being a victim of natural disaster ( Harvey ) in XXXX, Texas, they are are reporting a late payment for me in XX/XX/XXXX ... they had specified no late payments were going to be reported. This had ruined my credit and I need this late payment to be removed and status to be current. On top of all this they stopped reporting my payments after they reported that late pay. So as of now XX/XX/XXXX, my payment history is inaccurate and they are not willing to correct it. I have called them numerous times, and they just say they will get with me but never do. Not only did they report a late pay that they were not supposed to but also have stopped reporting my payments after that.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : - 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 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 an account without my written instructions.
Product: Mortgage

As of XX/XX/XXXX I have been seeking help from my bank .SELECT PORTFOLIO SERVICING, the process was back and forth with documents. During the process, every time I follow up over the phone, representative says that I am not qualified because I have done a modification before and could not do it again. After a year XX/XX/XXXX received a denial letter showing NPV. 
This year my husband got laid off and all we are seeking is for us to start anew from our behind payments. Started processing application on XX/XX/XXXX and same thing.. 
1 ) Documents processing is too long..Thought processing take only 30 to 45 days. but asking back and forth for documents2 ) sent all the application together with the attached documents, bank statements, pay stub, tax return and others. Calls to verify if threy received..said yes but everytime I call to verify or follow up once a week, a new documents needing again. Asked to process because im afraid theres an expiration to each documents categories. My account manager said " NO '' theres no expiration. Then talked to another representative, ,yes there is an expiration. I am still sending documents here and there. Theres a lot of things happen 8 months. Within 8 months they still asking for documents. Last one is the statement..they said that I have not circled my income within the statement. But I circled it previously, keep sending it until wait again for another expired document ... .then theyre going to ask to send again. 
please..all im seeking is an answer and help. These faxing back and forth is a time consuming and its expensive per document. Please help.. bank statement will expire in another month..and pay stub will expire in one week..and no answer yet. All I receive a call is when they ask for documents to resubmit or say it expire. I hope to hear from you soon..
Product: Credit reporting or other personal consumer reports

Bank Robbers came into my home and used my bank cards and information. They Kidnapping my daughter XXXX XXXX XXXX and requested ransom. XXXX XXXX XXXX impersonating XXXX XXXX and XXXX XXXX XXXX and XXXX XXXX XXXX XXXX Also, XXXX XXXX and XXXX XXXX from 1XXXX XXXXXXXX XXXX Kidnappers
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 any account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

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

DELETE ALL CREDIT INQUIRY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information on my credit file. I recently reviewed a copy of my credit report. The credit report showed credit inquiries that I did not authorized. I understand that you shouldn't be allowed to put an inquiry on my credit file unless I authorized it in writing. Please have these inquiries removed from my credit file immediately. 
The FCRA states that the only permissible purpose for pulling someone's credit is for : A. Firm offer of credit B. Insurance C. Employment D. Court Order The following credit inquiries are related to none of these the aforementioned permissible 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
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date XXXX inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX & XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXXDate of inquiry : XX/XX/XXXX XXXX CARD Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of XXXX XXXX XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of XXXX : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

United Wholesale Mortgage reported my account late in XXXX of XXXX but my late payment was waived on XX/XX/XXXX therefore a late credit report shouldnt be on my credit file. Its false and inaccurate and was never paid late.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT. 
Wrong Address : XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Debt collection

I had 2 credit cards with The XXXX XXXX XXXX, one was charged off and I paid it off immediately. The other credit card I had with The XXXX XXXX XXXX I paid it off closed it myself. This collection agency LTD ACQUISITIONS LLC XXXX XXXX XXXX XXXX XXXX, TX XXXX has no claim against me and can not continue to put false information on my credit reports. They must be forced to prove exactly where they are getting their information. I do not owe The XXXX XXXX XXXX any money and if I did I have plenty of resources to pay them off immediately. I am about to purchase a house and this is a hardship to me. I have disputed this countless times, I have also tried to call LTD Acquisitions and no one ever answers the phone. I don't know what else to do to get their attention so they can address this matter and correct it.
Product: Debt collection

I requested from the company to provide me with a verifiable original copy of the contract having bilateral agreement between myself an a sentient representative of the company. Under the guidelines of the FCRA subsection 602 ( a ) ; 603 ( d ) ( 2 ) ; 603 ( p ) ; 603 ( q ) ; 605 ( a ) ; 605 ( d ) ; and 609 which the company never did.
Product: Bank account or service

Scottrade has the worst customer service. If anything goes wrong in your account, expect your account to be closed as Scottrade will not give you XXXX seconds of their time to resolve the issue, especially if they are at fault. 

In my case, my Scottrade account was hacked and when I reported the fraud to Scottrade they said that I was no longer a customer. During that time that I was suffering and needed help from Scottrade I was throw out and refused service. 

After reading other comments on the CFPB 's complaint portal, this appears to be common practice for Scottrade, so I guess it might be my fault. I should have researched Scottrade more. 

A warning for the wise. Do not do business with Scottrade if you expect even a hint of customer support.
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
Product: Mortgage

Don`t know what happened with my first complaint, now I am starting over. Perhaps you will retrieve it. As, I have stated this complaint is about a loan with the XXXX lender XXXX XXXX XXXX XXXX XXXX. XXXX transferred it to XXXX and finally to Ocwen. The home was purchased in XX/XX/XXXX by me and my daughter. Many years later we asked Ocwen to sent loan documents to examine. To our surprise we found that the co-borrower signature had be compromised and placed on documents unauthorized. A complaint was made with the Commissioner of Banks and a fraud package was sent to us by Ocwen. All documents were filled out and forwarded back to the commission. Ocwen continue to " state that they never received the paperwork. The commission contacted Ocwen and spoked to their contact and finally they got the documents after continuing on going complainting. Recently, this company did not report to the credit bureau our earnings sent since XX/XX/XXXX. Reporting just started a month or so ago and the second loan still is not being reported. Since they became my servicer I have been loyal and pay every month on time without late entry`s and this is how we continue to be treated. Ocwen promise to send a explanation in writing explaining what happen in why they failed to report to the credit bureau, but still have not received XXXX response. As a result, emails have been sent to upper management and just have been ignored. I am tired now at this point paying money for a home that was attained under false pretenses. I have the right to no what happen. I believe all the parties should be held accountable for their wrong doing. I do hope you can assist me into making the right decision.Thank you!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written can called XXXX numerous time about XXXX XXXX XXXX Accounts XXXX XXXX
Product: Payday loan, title loan, or personal loan

I have been trying to make my payment through the app but it is not allowing me to. Ive submitted several requests through their website for someone to contact me and have been unsuccessful and now my payments are past due. I attempted to reach them on : XX/XX/2022, XX/XX/2022 and today XX/XX/2022
Product: Checking or savings account

I got a car loan from XXXX and I paid it off before the due date. I had money left in my account and I decided to keep it in my account. Every XXXX months I received a statement. The last statement was from XXXX 2024 and my balance was XXXX. I had {$20.00} but on XX/XX/XXXX there was an XXXX XXXX XXXX for {$20.00}. I called the bank and they said I received a letter that this was going to happen because I haven't used my account. I did not receive a letter, and if I had I would have gone to the bank and closed my account. The next person I spoke with told my I would not have received a letter because I had less than {$100.00}. If I had {$100.00} or more I would have received a letter and the money would have been handed over to the state where I could have gotten it back. So XXXX different stories from employees of the same bank. I then went into the bank and after a XXXX minute wait I spoke with a manager who said this whole thing didn't sound right to her. She called me the next day and left me a message saying it was correct. I am not contacting you about the {$20.00} but it is because of the way I was treated. If they did that to me how many other people did they or are currently doing that to? How much money have they stolen from other bank customers. I tried to call XXXX corporate but I got no where. Hope you can help.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, am writing to request the removal of unauthorized credit inquiries on my XXXX credit report. My latest credit report sho

ws 12 credit inquiries that I did not authorize. I am writing to dispute the followi
ng inquiries and asking for their removal from my credit report : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Please have these unapproved inquiries removed from my credit report, please update me with a full report on your finding within 30 days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved. 
Thank you for your assistance. 
Regards, XXXX XXXX
Product: Checking or savings account

Robinhood Inc informed me by email on XX/XX/2024 that Robinhood Inc had unilaterally updated their Customer Relationship Summary. I do not agree to the updates they have made. I have tried to contact the company however they do not provide customer service.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, CFPB : Applecard [ goldman sachs ] is falsely alleging debt of {$530.00}, when XXXXXXXX XXXX account closed with {$0.00} ( XXXX ) balance. Applecard [ goldman sachs ] is in violation of fair debt collection practices act 15 U.S.C. 1692. Applecard [ goldman sachs ] has allowed FRAUD to take place and delusionally believe I should pay for their failures. I ATTEST, AFFIRM, AND CERTIFY THE INFORMATION IS VERY ACCURATE AND VERY TRUTHFUL. 

Respectfully, XXXX XXXX XXXX XXXX PHONE : XXXX EMAIL : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a late payment posted to my consumers report on the account XXXX Account number:XXXX late payment of XX/XX/2022. 15 usc 1666b there was no billing statement sent 21 days before the payment was due. The credit agencies has failed to validate information that is posted. Ive asked for this account to be verified and accurate all three credit agencies are reporting different balances ... and failed to update the comment section notice of my dispute.. The account has different scheduled payment amounts, no last activity, different closed dates. and term agreement. Ive sent the same dispute to each agency and no response of the " validation '' just verified with no supporting documentation
Product: Checking or savings account

I made a Venmo account back in XXXX. I accidentally linked my old debit card to which I no longer had access to because I closed that account out. In response to that, they froze my account. They asked for verification which I sent numerous times. I spoke to at least ten representatives explaining the situation and they all gave me the run around. They all told me to fill out the form online which I did several times. I told them it was a mistake it was an old account I even send proof of my every day account to them so they could verify it and they disregarded everything and I never heard anything back. I reached out to them XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I never received any response. I have {$270.00} just frozen in that account that I need access to and I cant. I just want my funds to be released or for them to reverify my account correctly.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and found unauthorized inquiries