23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I have a brokerage account with Robinhood Financial and a XXXX account with Robinhood XXXX. I have been contributing funds to these accounts for over XXXX years. 

On XX/XX/year> I used the Robinhood app to send a small amount of XXXX from my Robinhood XXXX account to my new cold storage hardware device as a test, and it worked. Next I sent a small amount of XXXX  from my Robinhood XXXX account to to the cold storage device, and that worked. But when I tried to send a larger amount to cold storage, Robinhood placed a restriction on all of my funds in both accounts. I received an email from Robinhood to contact their Customer Support and supply information to prove my identity.

I contacted the Robinhood support ( by requesting a call back ). I provided all the information that they requested to verify my identity. I was told that my account would be reviewed and that I would receive a call about the restriction. 

It is now 12 days later, and all of my funds are still frozen. I am not allowed to transfer or withdraw any of my funds. 

Finally this afternoon ( XX/XX/year> ) I received a call from Robinhood Support but it was automated ( here was never a human on the call ). I listened to hold music for over one hour, then the call dropped.

I promptly contacted Robinhood Support ( requested a call back ). I complained to the Customer Support person about being left on hold for over an hour. She promised to stay on the line with me while I was connected to the account review person. She then left me in the call queue again. I have now been waiting over three hours this time, and no way to reach a human. 

I need access to my funds! I have provided all identity that they requested. This is intolerable!
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an emailed about my information being in the XXXX data hack so I pulled my credit reports and found there were multiple accounts that are inaccurate and should not be on my credit report. I understand mistakes happen but this needs to be fixed expeditiously because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency. Under 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT : 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. I know that under 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if 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. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : ACCOUNT NAME : DEPT OF EDUCATIONXXXX ACCOUNT # XXXX ACCOUNT BALANCE : {$2300.00} ACCOUNT NAME : DEPT OF EDUCATION/XXXX  ACCOUNT # XXXX ACCOUNT BALANCE : {$4800.00} ACCOUNT NAME : DEPT OF EDUCATION/XXXX  ACCOUNT # XXXX ACCOUNT BALANCE : {$3100.00} ACCOUNT NAME : DEPT OF EDUCATION/XXXX  ACCOUNT # XXXX ACCOUNT BALANCE : {$1200.00} ACCOUNT NAME : DEPT OF EDUCATION/XXXX  ACCOUNT # XXXX ACCOUNT BALANCE : {$1200.00} ACCOUNT NAME : DEPT OF EDUCATION/XXXX  ACCOUNT # XXXX ACCOUNT BALANCE : {$3800.00} ACCOUNT NAME : DEPT OF EDUCATION/XXXX  ACCOUNT # XXXX {$3500.00} ; ACCOUNT NAME : DEPT OF EDUCATION/XXXX  ACCOUNT # XXXX {$1800.00} ; ACCOUNT NAME : DEPT OF EDUCATION/XXXX  ACCOUNT # XXXX {$5600.00} ; ACCOUNT NAME : DEPT OF EDUCATION/XXXX  ACCOUNT # XXXX {$6500.00} ; ACCOUNT NAME : DEPT OF EDUCATION/XXXX  ACCOUNT # XXXX ACCOUNT BALANCE {$5900.00} ; ACCOUNT NAME : XXXX XXXX XXXX XXXXXXXX ACCOUNT # XXXX {$19000.00} ; ACCOUNT NAME : XXXX, XXXX ACCOUNT # XXXX ACCOUNT BALANCE {$150.00} ; ACCOUNT NAME : XXXX. XXXX, XXXX ACCOUNT # XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT # XXXX {$0.00} ; ACCOUNT NAME : XXXX XXXX  # XXXX {$610.00} ; ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT # XXXX {$1600.00} ; ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT # XXXX {$300.00} ; I have attached a copy of my ID for identity verification and a bill for address verification.
Product: Checking or savings account

I have been in contact with PNC retail banking division from XX/XX/202 re : text messages should I have low funds in my business checking account. From XXXX XXXX the bank has been taking overdraft fees from the business checking account without initiating the text messaging alerts. As of XX/XX/, I have been attempting to reach XXXX XXXX re : case number : XXXX. There has been no response. 

I have been severely impacted by the bank 's refusal to provide an email or call. My rent was delayed in XXXX and I had to use my emergency funds to make payments although late. I had to defer payment on the monthly cell phone bill. These on-time payments in a recession are the key for average consumers to be able to make bigger purchases. If I can not get assistance for such a small action, then I am forced with great reluctance to switch banks and move to banks such as XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX Opened XX/XX/2017 {$650.00}. This debt is not mine. Removed once and then back on my credit. We lived with room mates, so I have disputed this and asked for proof. No proof given, just credit reporting agency saying it was. Not fair at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM VICTIM OF IDENTITY THEFT. MY IDENTIFICATION CARD AND SOCIAL SECURITY CARD HAS BEEN COMPROMISED MULTIPLE TIMES AND THESE ACCOUNTS ARE THE RESULT OF THIS IDENTITY THEFT AND FRAUDULENT ACCOUNTS. I RECENTLY PULLED MY XXXX, XXXX AND XXXX  CREDIT REPORT AND NOTICED ACCOUNTS AND INQUIRIES THAT I DID NOT INITIATE. I CONTACTED THE COMPANIES AND THEY TOLD ME THE ACCOUNTS WERE LISTED UNDER MY NAME AND SOCIAL SECURITY NUMBER. I DO NOT HAVE ANY RELATION WITH THESE COMPANIES AND BELIEVE THESE ACCOUNTS ARE A RESULT OF IDENTITY THEFT. I HAVE CONTACTED XXXX XXXX AND XXXX AND EXPLAINED TO THEM THESE ACCOUNTS ARE FRAUDULENT AND NEED TO BE REMOVED BUT THEY REPEATEDLY VIOLATE THE FCRA BY DOING NOTHING.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau ( CFPB ), I am filing a formal complaint regarding the failure of XXXX and TransUnion to promptly update my credit reports to reflect the deletions of certain accounts, as confirmed by XXXX. 

Below are the accounts that were confirmed as deleted from my XXXX credit report, and I am requesting that XXXX and TransUnion take similar actions by deleting the following accounts from their records. The documents I am providing include an XXXX letter, mailed to me on XX/XX/XXXX, confirming all deletions. However, as of XX/XX/XXXX, XXXX and TransUnion still reflect these accounts, and they are allowing delinquencies to be added, causing further financial hardship. 

The accounts to be deleted are as follows : XXXX XXXX Accounts : # XXXX # XXXX XXXX XXXX Account : # XXXX Department of Education Accounts : # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX XXXX Account : # XXXX I have requested these deletions from both XXXX and TransUnion, yet they have failed to reflect the changes made by XXXX on their credit reports. 

I am requesting that XXXX and TransUnion : Immediately update their records to reflect the deletions made by XXXX for the above accounts. 
Ensure that no delinquencies related to these accounts are reported moving forward. 
Provide a formal acknowledgment from both XXXX and TransUnion confirming that these deletions have been made. 
I would like this issue to be resolved as promptly as possible, as it is negatively affecting my credit report and my financial standing. I am attaching the relevant documentation and letters for your review. 

Thank you for your prompt attention to this matter. I look forward to a resolution of this issue as soon as possible.
Product: Debt collection

FTC Report Number XXXX XXXX XXXX XXXX Dentist stationed in XXXX, CA-moving to XXXX in XXXX. Responded to XXXX ad for " mother in law XXXX XXXX XXXX XXXX XXXX, XXXX, TX. XXXX XXXX XXXX ( XXXX listed as XXXX XXXX ) at XXXX. Viewed video of unit, scheduled phone call to discuss living arrangements. A woman called me from XXXX, we talked about the unit. She asked for a date of birth for background check which I provided. We later texted about the lease-she sent over signed lease form with requested refundable 1 month security deposit via Bank transfer ( XXXX XXXX number in lease ). I signed lease electronically and sent transfer via XXXX XXXX Xoom feature. A few weeks later, received form text stating that " we had to leave country for tragic emergency '' and requested address and deposit amount to send check. I became suspicous and texted back confirmation-no reply. I then emailed previous address and email was returned as undeliverable. I realized that this was attempted identity theft and filed FTC report. I also placed alerts on bank accounts, credit reports, and am filed police report. I am filed with bank and received funds back. I believe that woman was not " XXXX XXXX '' and that she took information from the real XXXX XXXX 's online information ( husband 's name, work status, etc ). This person now has my name, personal email address, personal phone number, date of birth, and signature ( electronic ). Person does not have my bank information as I sent via XXXX. XXXX Xoom has sent me to collections for money owed, stating that since I authorized the transaction it was valid and I need to pay them. I called over the phone on XX/XX/XXXX and explained the identity theft/fraud but they stated they still considered it valid and I needed to pay the money. I offered to send the FTC, police and bank report and they declined. I stated that I would file with the CFPB. The case number for XXXX Xoom is XXXX
Product: Checking or savings account

There are XXXX transactions in which funds were withdrawn from my account but did not arrive to the recipient. The recipient is my child 's daycare provider with whom we regularly pay. The recipient share with me their bank statements showing the XXXX payments were not received. Capital One has not acted in good faith in providing documentation as to where these monies were delivered, IF delivered. I called on XX/XX/XXXX to request documentation. I was initially told documentation takes 1-2 business days. I called on XX/XX/XXXX, in the same conversation, the representative told me documentation takes 1-2 business days, 2-3 business days, and 3-5 business days. I called XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. No one can tell me why the funds have not arrived, where the funds are, or when I'm going to receive documentation regarding these claims. The XXXX transactions total {$7600.00}. This does not include 2 additional transactions that I have not filed claims for. Attached are my bank statements for XXXX. The noted transactions did not arrive to the recipient.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get Ocwen to remove late payment history from my account for about 3 years. They accused me of missing a payment, which I had n't. It started in approximately XXXX of 2013. I was accused of missing a payment, which I had n't. After they said I missed the payment, I started accruing late payment fees, etc. I was on a fixed income so it was impossible for me to give them 2 payments, so I disputed with documentation, and then they would n't accept the money unless I gave them additional fees, which continued to keep me in arrears.

They never resolved the issue with me personally, however, there was a class action settlement in which I received a payout of a about {$1000.00} due to payment history errors. While I received the monetary payment, they have not yet corrected the information on my credit report.

When I 'd have a phone meeting to talk to a account manager they would cancel, reschedule or something last minute.

They finally approved a modification for me but never reconciled the past due payments that wrongly reported. They show 32 lates because the one payment continued to appear in arrears every month. That is incorrect. I would like to have that history removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. ALL XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX, Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX, ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # 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: Money transfer, virtual currency, or money service

Dear CFPB, I have spent months ceaselessly trying to inform and alarm your Crypto.com regarding the fraudulent activities of a company called XXXX. Unfortunately, the company continues to brush off all my attempts. Crypto.com staff are mistaking me for a fool by repeating the same nonsense sentence over and over. I provided the scammer account screenshot to the staff and pleaded with them to freeze the account and tip the FBI, law enforcement, and the Attorney General of Kansas. I provided all my case numbers and any information I could to the staff. But crypto.com company continues to provide no useful action against the scammer and wastes valuable time. Now this scammer has withdrawn all her money and fled the country. Since XXXX XXXX and its agents have started scamming people and there is several useful evidence from late XXXX and XXXX that Crypto.com has been aramid and informed about this scam company. Unfortunately, Crypto.com refused to take any action against this scam and block them. If crypto.com would have acted earlier, I and countless others wouldnt have been scammed in XXXX. I am holding Crypto.com company liable for the loss of my assets. 
Crypto.com institution is the one who enabled all the maneuvers in this scam. It is utterly tragic that the crypto exchange did not sufficiently protect me from this fake investment. They had all the data and knew these were very high-risk transactions. It is possible that they requested authorization for the transaction, but in my eye, they failed in their basic fiduciary responsibility to protect me. The scam companies know the Crypto.com companys weaknesses and use them perfectly. their companys setup is perfectly designed for scammers and frauds. 


Crypto.com company is assisting and aiding this scam and fraudulent company for a measly profit. It is very shameful that no one on their platform is doing any research or investigations on this fraudulent business. This company XXXX is scamming hardworking people like me and hiding their money at your company. 
Crypto.com 's company action is very similar to the XXXX XXXXXXXX XXXX using XXXX money in their banks and gaining profit while poor innocent XXXX people were slaughtered by the XXXX government of XXXX. My current life goal is to bring down the XXXX and end their fraudulent activities. I dont mind adding the crypto.com company to the list of hurdles I must overcome to accomplish this. XXXX XXXX is holding over XXXX XXXX dollars of my money and I cant even touch it ; I can not withdraw a single dime. There are hundreds of people like me. I am not going to give up fighting until I bring the XXXX down and end their fraudulent actions. Either Crypto.com is helping me and assisting me in this fight or they are compromising their morals to stand with this scam of a company. I will take my fight to social media, TV, XXXX, and newspapers. As XXXX of the biggest cryptocurrency companies in the land, they dont want to aid and assist fake and fraudulent companies. 

Sincerely XXXX XXXX
Product: Debt collection

1. On XX/XX/XXXX I purchased a XXXXXXXX XXXX XXXX from XXXX XXXX  ( order number XXXX ), which I financed via XXXX XXXX by Affirm for {$490.00} XXXX. On XX/XX/XXXX, I received a confirmation email form Affirm/XXXX XXXX stating the following AutoPay Schedule with my XXXX XXXX : XX/XX/XXXX {$120.00} ; XX/XX/XXXX {$120.00} ; XX/XX/XXXX {$120.00} ; XX/XX/XXXX {$120.00} ( Affirm/XXXX XXXX Loan # XXXX ) XXXX. On XX/XX/XXXX my order was delivered and a few weeks later I started using the product XXXX. On XX/XX/XXXX I received confirmation from AffirmXXXX XXXX that, pursuant to my payment schedule, my final payment was successful and I had paid off my purchase in full XXXX. On XX/XX/XXXX I emailed the merchant to let them know that the device was not working correctly and requested a refund XXXX. On XX/XX/XXXX the merchant, despite the malfunctioning equipment, advised : " Unfortunately, your XXXX trial period expired on XX/XX/XXXX ( The device was delivered to you on XX/XX/XXXX ) and thus according to our policies, your product is not eligible for a return. '' 7. The matter was successfully disputed with XXXX in my favor XXXX. I received two emails from AffirmXXXX XXXX in XXXX stating my loan payments could not be successfully charged -- both of which I replied to, advising the state of the product, the attempted return, and the XXXX dispute resolution in may favor. No response was received. 
XXXX. On XX/XX/XXXX I received an email from AffirmXXXX XXXX advising : " Your loan XXXX has been charged off because you've had an overdue balance for XXXX or more days. '' XXXX. On XX/XX/XXXX I received an email form XXXX a debt collector, attempting to collect this invalid debt that I allegedly still owe to Affirm As the product is defective and the billing dispute was resolved in my favor by my bank, both the actions of Affirm and XXXX  are patently illegal.
Product: Student loan

I have been trying to reach their customer service representatives to discuss the status of my XXXX XXXX plan application. I applied over a month ago with no response on the status. I have called XXXX now and was on hold for more than XXXX hours each time with no answer.
Product: Mortgage

Loan modification letter of XXXX stated deferred principal of XXXX. Letter from Wells Fargo dated XXXX stated deferred interest of {$60000.00}. Now wells wants to charge that as additional fee I have to pay for foreclosure. Wells knew I had over {$500000.00} equity in house and refused to give me 30 days for a private sale and keep my equity. Continuance denied on XXXX. Foreclosed on XXXX. I sent wells a copy of appraisal done by XXXX XXXX stating replacement value of house was {$1.00} XXXX. Only owed Wells {$550000.00} so wells knew they would never lose money letting me do a private sale to retain my equity. After foreclosure, wells charging attorney fees and deferred interest of $ XXXX. Home sold in foreclosure for $ XXXX, owed wells $ XXXX should equal excess equity to me of $ XXXX. Wells attorney mentioned net payout to me around $ XXXX, for a total loss in equity to me of {$1.00} XXXX minus mortgage owed of {$550.00}, equals an equity loss to me of {$770000.00}. So wells XXXX  me out of my equity by refusing to let me have foreclosure continuance and retain maximum equity, then XXXX  me again by adding fictitious charge of deferred interest of {$60000.00} to foreclosure expenses. Thanks for your help. I have wells documents to show you also.
Product: Credit reporting

This complaint is per your offices request I am sending you this formal complaint concerning EXPERIAN, XXXX their business practices. These XXXX bureaus continue to report inaccurate information. 

In the years from XXXX my identity was stolen. I discovered this because an auto loan was opened and several inquiries, where someone has continued to apply for credit in my name.
Product: Checking or savings account

I have evidence that all my transactions are not fraud and verified over the phone. They then opened unblocked my debit card but continued to investigate my account for suspected fraud. I was told that my account maybe closed by a personal banker Friday XX/XX/year>. That banker is located at a Truist location off of XXXX XXXX XXXX. She also said that if the account is closed that they would continue to process my check and send me a check of remaining funds. The fraud department also kept giving me different answers to the same questions as well. I even spoke to a supervisor who told me to call everyday until this Monday to see if my account has been unblocked. I would hate for my XXXX XXXX XXXX daughter to miss XXXX because of Truist.
Product: Debt collection

this company is reporting to two credit bureaus ( XXXX and XXXX  ) on my consumer credit report that a debt is owed to them. I have not received any communication regarding this debt from this company, or an opportunity to dispute the validity of this debt. This company is in violation os fair Debt Collection Practices Act Section 809. Their negligence has caused me distress and is hampering my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I sent a copy of the FTC report, it took some time for it to be clarified that the credit bureaus are not obstructing records. I'm sending my complaint in order to help with organizing a legal response because regulation 605b of the FCRA mandates it. If you choose not to prevent the following items, which are listed below, and are responding falsely as a result of fraud. What needs to be deleted from my file is listed below : XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX  XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$1100.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$620.00} ; XXXX XXXXXX/XX/XXXX ; XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXXXX/XX/XXXX ; XXXXXXXX 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

there are numerous items on my report that are not factual a few inquiries a chapter XXXX bankruptcy and a chapter XXXX both not mine. There are other accounts that don't belong to me and others with incorrect status reporting and another one with wrong information. I am attaching a letter to explain all items