23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Been getting Robocalls and maybe a legitimate human, not sure, from the company Direct Recovery Services. Ive looked it up online and MANY other people have had similar experiences like I have. 

First call I got, that I know of, is on XX/XX/22. It was a robocall saying it was a private message for me mentioned they had an account on me and did not go into detail. No threatening words, yet the voice changes a lot hinting use of a voice alternative software. They simply mentioned to pay my account Unknown balance, no information given to their website : http : //www.directrecoveryservices.com/ The account number I was given does not work in anyway, and immediately asks for personal information like my SSN. 


Second call : XX/XX/22 This robocall was NOT sent to me, but instead to one of my family members. I do not know how they got personal phone numbers, but the voicemail was sent over to me by my family member in question. This robocall started off the same This is a private message for MY NAME, if you are not MY NAME, please hang up yet very XXXX voiced. This voicemail was more threatening then the last, saying in a deep autogenerated tone that they spent too much time and service to reach me, and its in my very best interest to call them or legal action will be delivered.

Again, Im not giving them any information Im just tired of getting calls from them.
Product: Checking or savings account

America First Credit Union automatically opted members into their premium checking accounts and will charge {$6.00} per month. They did not notify all their members and I had to find out through XXXX and the news ... the only way to opt out and not be charged is to call member services and be on hold for an hour + or go into the credit union during a pandemic
Product: Money transfer, virtual currency, or money service

Dear Support Team, I am writing this formal complaint to appeal the permanent limitation that was placed on my PayPal account. I believe that this limitation was placed by mistake, and I would like to request that PayPal re-investigate my case and restore my account if possible. 

Firstly, I want to emphasize that I have not violated any PayPal policies. I have always made sure to comply with all rules and regulations that PayPal has put in place. Therefore, I am confident that there has been some sort of error, which has led to the limitation of my account. 

I would appreciate it if you could re-examine my account history and transactions to confirm that there has been no wrongdoing on my part. I am confident that you will find no violation of PayPal policies, and my account can be restored to its original state. 

In conclusion, I am kindly asking PayPal to re-investigate my case and lift the limitation on my account. I would be grateful if you could expedite this process as soon as possible. The email address on my PayPal account is XXXX Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit card

XXXX fraudulent charges were made by the same unknown vendor ( " XXXX '' ) on my Chase credit cards while I was traveling abroad. As soon as I was aware of the charges, I believe around XX/XX/XXXX or XXXX, I called to notify Chase and find help securing my account. 

The charges from " XXXX '' were all posted on XX/XX/2025, with amounts as follows : - {$3400.00} ( + {$100.00} foreign transaction fee ) - {$3200.00} ( + {$98.00} foreign transaction fee ) - {$2400.00} ( + {$72.00} foreign transaction fee ) I spoke with numerous departments and ultimately was transferred to the fraud department. They confirmed the transactions on my account, placed them under investigation, and offered replacement cards to be shipped to my domestic address while my on-hand cards were closed for security purposes. 

I called at least once more within the next week to confirm these actions on my account were in process as they had not reflected as such when viewed through the mobile app. By the end of the week, these changes were reflected and I waited while their investigation was underway. I was not able to use one of my cards through XXXX XXXX due to restrictions as part of the investigation. This has yet to be resolved even after calling for assistance. 

Once back in the XXXX, I received my physical replacement cards in the mail. This was XXXX or so. I received no further requests or updates regarding the charges. 

XXXX months later : XX/XX/XXXX and XX/XX/XXXX I received a call on each day with a voicemail left to further discuss my XXXX inquiries. I called back on XX/XX/XXXX, however office hours at the callback number had closed. That same evening, or more precisely on XX/XX/2025 at XXXX, I received an email of a new notice on my account. 

On reviewing the notice, I was informed that the investigation had concluded and all charges were placed back onto my account. There was no further information in the letter under the " Reason '' column except for " You received benefit from this transaction ''. 

I called Chase at the provided callback in the afternoon to discuss this further, and was informed the case would be opened for further investigation. I confirmed my contact information and was notified that the investigator would likely be in contact with me within the week for any further information as available. 

I then proceeded to submit this complaint with CFPB as due diligence for this outcome.
Product: Credit reporting or other personal consumer reports

Account # XXXX XXXX XXXX XXXX Amount : {$500.00} Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681 b 2. They also have no permission to REPORT anything using my info pursuant to 15 USC 1681 4. This inaccurate information reporting to my credit report is a direct violation of my consumer rights. it is an inaccuracy that needs to be fixed asap. in order to fix this inaccuracy, it needs to be removed from ALL of my credit profiles.
Product: Credit reporting or other personal consumer reports

I am writing in regards to the erroneous accounts that ive disputed from my CONSUMER REPORTand ive yet to get a response from the company in question.Its been over 30 days and they have disregarded my dispute and account in general this needs to be taking care of quick my consumer report report multiple violations across the profile in total disregard.
Product: Credit reporting or other personal consumer reports

I DO NOT consent to any automated scan response or e- Oscar verification methods. 

I reached out to all three credit bureaus XXXX, Experian, and XXXX to dispute incorrect reports provided by XXXX XXXX XXXX. XXXX XXXX showed several discrepancies between the XXXX reporting agencies : XXXX and XXXX continue to report different balances than experian. Has missing, incomplete and inaccurate data reported for several months. All Burueas continue to report missing, incomplete and inaccurate data reported monthly. There are several months missing whole data and information. This constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. I requested your credit bureau to initiate an investigation and to validate this information. This information was not validated. This information has greatly impacted my ability to qualify for other opportunities and I have been denied opportunities.

I requested the following information from you : The amount you claim owed. IRS Documents such as 1099a, 1099c and any other IRS forms filled out on my behalf without my knowledge. Full accounting ledger. All legal documents. An explanation showing me how you have computed the amount. Copies of any documents that prove I agreed to pay the alleged amount. The identity of the original creditor. Confirmation that the account has not crossed the statute of limitation ( SOL ) period. Evidence that you are a licensed debt collector. An invoice of the products/services ordered. Dates of products/services being rendered. The address the products/services were rendered to. My signature showing that these products/services were authorized by me My signature showing some kind of authorized payment schedule I was not provided this information as requested, and per law.
Product: Credit card or prepaid card

On XX/XX/XXXX, I paid off my balance of {$5200.00}. The merchant cancelled the transaction and refunded my money. This credit balance was sitting in my account and I called to get refunded. I was told that the refund request will have to be approved. I couldnt understand why my request would need to be approved. Its my money. I called again And was told the same thing. I insisted on talking to a manager. I was told by the manager that he would escalate the request. The balance, as of XX/XX/XXXX, is {$0.00}. Today is XX/XX/XXXX and I still do not have my money. In the meantime, they are profiting off my money.
Product: Debt collection

I dont owe this compnay anything and they show a negative on my credit report
Product: Mortgage

Aside from them sitting on my application for months XXXX XXXX-end of XXXX XXXX, then using reason of borrower requested more funds when they told me due to length of closing, more points, higher rate and thousands in extra fees because of their inaction for months, so higher mortgage. I didnt request more funds-no cash out, just complacency on their part. A negative survey finally got their attention, and loan was approved and closed. My problem now-the legal description on the deed of trust isnt my home! Its a rental property that was lien free-I applied for a refinance on my home mortgage. They did pay that off-the only thing they did properly. Deed of trust shows my address, my parcel number, but totally wrong legal description. Different subdivision, different lot number-all wrong. Now no one will take it return my call from Amerisave. XXXX took my call, but. I ones called me. Please help me get them to correct this. Thank you.
Product: Debt collection

This is a complaint from XXXX XXXX against Credit Corp for Credit Corps failure to provide requested information for the debt alleged. Credit Corp is reporting a dept that consumer does not recognize on consumers credit report. On XX/XX/18, consumer ( through legal counsel ) responded with a written request for documentation, including the following : a. Signed copy of the original contact ( s ) ; b. Any notice ( s ) of assignment or receipt of sale of the debt alleged ; c. Any notice ( s ) of delinquency ; d. Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ; f. Proof that you are licensed to collect this debt in Arizona ; and g. Any other documentation which tends to show validity. 
It has been over 3 months since this request, and we have received no response. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.
Product: Checking or savings account

My purse, wallet, and debit card ( along with other belongings ) were stolen XX/XX/year>. A police report was filed XXXX XXXX XXXX, case # XXXX. A Square Checking debit card ending in XXXX was in my wallet and was used to make the following fraudulent purchases : {$41.00} at XXXX 's on XXXX {$20.00} at XXXX 's on XXXX Attempt to charge {$1100.00} at XXXX XXXX XXXX on XXXX but declined due to insufficient funds {$130.00} at XXXX XXXX XXXX on XXXX {$210.00} at XXXX on XXXX {$31.00} at XXXX XXXX XXXX on XXXX {$23.00} at XXXX XXXX XXXX on XXXX {$37.00} at XXXX XXXX XXXX on XXXX {$26.00} at XXXX XXXX XXXX XXXX XXXX on XXXX {$100.00} at XXXX XXXX XXXXXXXX XXXX XXXXXXXX on XXXX {$160.00} at XXXX XXXX XXXX on XXXX Please note these dates are what are reflected in my square checking account, but I believe they are the date the charges posted and not the date that they occurred. I noticed the above fraudulent activity XX/XX/year> and notified Square Checking/filed a dispute immediately. 
I've reached out to all of the above businesses asking for support in resolving these charges with no response from all but XXXX XXXX XXXX. 
After the report, the {$20.00} charge at XXXX 's was determined to be fraudulent and my account was refunded. A dispute has been filed for the {$210.00} Door Dash charge and is pending. Square responded to the rest of the charges saying the following : " After reviewing the information provided, we are unable to file the dispute due to the following : The Payments indicate a card was present at the time of the transaction. Your Square Debit Card was presented and authorized as a chip-based payment. Due to the findings during our investigation we found this to be a valid charge. '' Square is refusing to assist me further and I have not received a refund to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to FCRA lexisnexis is breaking the law improperly misuse of credit report account # XXXX TN XXXX Bankruptcy XXXX. Lexisnexis is use a third party reporting agency which is called ( pacer ) and its illegal and is not accurate Source under code, 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. This company is illegally using and selling my information without my consent.
Product: Debt collection

DEBT COLLECTION GC SERVICES CALLS MY FATHER ALMOST ON DAILY BASIS ASKING AND LEAVING MESSAGE FOR A TENANT THAT DOESN'T LIVE IN THE BUILDING ANYMORE. THE REPRESENTATIVE XXXX XXXX HARRASSMENT MY ELDER FATHER ASKING FOR SOMEONE WHO IS NOT RELATED WITH US. NEVER LIVE WITH US. I SPOKE WITH A SUPERVISOR BUT PHONE CALLS CONTINUES.
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage was transferred from XXXX to XXXX XXXX for service in XXXX of 2022. No communication was made to me to let me know about this. 

XXXX Mortgage and XXXX XXXX neglected to share with each other my contact information and made no attempts to contact me and let me know my payments would no longer be made to XXXX via auto pay. 

XXXX XXXX did not have my phone number, email, or correct mailing address. They stated that none of that was provided by XXXX Mortgage. Attached is my completed profile on XXXX showing all contact information needed. XXXX XXXX did not make any attempts to contact me within XXXX days of transfer. 

While XXXX XXXX made no effort to contact me by phone, email or mail, they did take the time to report my mortgage payments as late even though I had no way to know they were now my servicing company. 

XXXX XXXX reported my mortgage as past due and late over not receiving payments. I was unable to send payments as I did not know my mortgage was transferred and that auto payments sent to XXXX had been terminated by XXXX. 

Upon becoming aware of this issue, only by my credit reporting service. I looked up who made the negative report and confirmed it. Paid the account immediately to be up to date and set up automatic payments. 

XXXX Mortgage and XXXX XXXX collectively failed to supply each other with my contact information then chose to damage my credit when I can not make payments to them anymore as I am not informed of the changes made.
Product: Credit reporting, credit repair services, or other personal consumer reports

Called Quicken Loans because they pulled my credit without consent. I contacted them to get more information. At first, they denied pulling our credit reports. Then they finally agreed to research the issue. After about three or four weeks, they called back and said I had given permission. That is absurd not the case. I have no interest in doing any additional business with Quicken Loans.
Product: Credit card or prepaid card

Fidelity Rewards Visa Signature Card XX/XX/2020 XXXX # XXXX XXXX, CA {$97.00} XX/XX/2020 XXXX XXXX # XXXX XXXX XXXX, CA {$250.00} I reported to Fidelity Cardmember Services on XX/XX/XXXX after discovering above two fraud transactions immediately. I explained to Fidelity agent that I didn't purchase anything from above two stores personally nor did online shopping on XX/XX/2020 or nearest dates. 

After several calls with Customer services, the agent still insisted that card holder presented to the store and made the transactions. The agent failed to provide more details. 

Therefore, I have to ask CFPB to get involved and help to solve my case.
Product: Credit card

I've consistently made payments on time for this account, and it's causing me immense XXXX  to see an incorrect late payment entry. I've never faltered in my commitment to timely payments. The impact of this error on my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX, I experienced an unexpected restriction imposed by Robinhood on my account. Despite inquiries, the company cited the reason for this action was to " protect '' the account. Robinhood requested various documents for identity verification and specific bank statements spanning from XX/XX/XXXX to XX/XX/XXXX, which were duly submitted by me. 

**Details of the Incident : ** - **Initial Contact and Document Submission** : Upon noticing the restriction, I immediately contacted Robinhood for clarification. Robinhood 's response was to ensure account protection without providing a clear rationale for the restriction. They requested extensive documentation for verification purposes, including identity documents and bank statements for specific dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I complied, submitting all requested documents promptly. 

- **Lack of Communication and Explanation** : Despite fulfilling Robinhood 's documentation requirements, I received no substantial update or explanation for the account restriction. Communication from Robinhood was limited, leaving the me in a state of uncertainty.

- **Notification of Account Closure** : A few weeks following the initial restriction, without any preceding update or resolution, I was informed via email that my Robinhood account would be permanently closed. This decision was communicated unilaterally, with no prior warning or justification provided. 

- **Financial Losses and Partial Refunds** : Subsequent to the account closure notice, Robinhood proceeded to liquidate my stock holdings, resulting in a financial loss estimated at {$13000.00}. The account closure and liquidation left a remaining balance of {$28000.00}, of which only {$12000.00} was returned to me. As of this report, Robinhood has withheld the remaining balance of {$15000.00}. 

- **Repeated Attempts for Resolution** : I have made multiple attempts to contact Robinhood and resolve the issue, specifically to inquire about the timeline for receiving the withheld funds. However, all communications have been met with generic responses, redirecting me to access monthly account statements and tax documents via the app or web, without addressing the query regarding the outstanding balance.

**Conclusion : ** The unilateral actions taken by Robinhood, including the unexplained account restriction, lack of transparent communication, unauthorized account closure, and partial withholding of funds, have resulted in significant financial loss and distress. The repetitive, non-specific responses from Robinhood have obstructed my efforts to seek clarification and restitution. 

This incident raises concerns about Robinhood 's customer service practices, transparency, and the procedures in place for handling account restrictions and closures. I am seeking a full explanation for the actions taken by Robinhood, the immediate release of the remaining balance of {$15000.00}, and compensation for the financial losses incurred due to the unauthorized liquidation of stock holdings.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a fraudulent account opened by an employee of my business, XXXX XXXX XXXX This has been reported to local law enforcement, SC District Attorney ( XXXX SC ), and in turn has been handed over to sled and local FBI field office investigated by Agent XXXX XXXX. Navy sent me a card that I DID not apply for and charged continued on this card until I discovered just how bad the problem was. The same person XXXX XXXX we have found has also gotten multiple fraudulent loans through the same lending institution without the knowledge of the customers. We know this is because the customers lawyers have contacted me for information in my situation and they are looking for file suit against NAVY federal and XXXX XXXX because his client has two loans for one car that he does not have. This company is doing VERY SHADY business. They can't provide me with a contract, agreement signature or anything. 
Furthermore, across each bureau the information is not even consistent. There is conflicting account numbers, totals, and payment frequencies. 

I have paid this company more money ONLY because I was not able to refinance my home and pay off legitimate dates this hardship has created. 

I have sent the report to NAVY sent it to the bureaus and still cant get any help. I almost lost my job and security clearance because of this issue.

I'm saying NAVY FEDERAL because its there institution but for the most part I know its not the company as a whole but there is a LOT of bad apples in that bunch. I also have documentation from several lawyers proving what I am saying in addition my police report I submitted when it happened.
Product: Mortgage

First Horizon Bank took over my Mortgage at Iberia Bank, and unlawfully issued duplicate insurance policies, because they failed to bring over the insurance information and the policy number covering the property. 
Then they billed me an extra {$10000.00} / month. I send them the copies of the policies, and it took them over 40 days to cancel the duplicate policies and fix my monthly payment amount. Meanwhile they did not accept anything but the full incorrect payment until it was fixed. Now, they are reporting me as 30 days late for XX/XX/2022, even though they recognize the error and their reps contacted me to ask me for to forgive them, and for more time to issue the corrections, see letter attached.
Product: Payday loan, title loan, personal loan, or advance loan

Made me sign up for additional products of theirs and if I didnt then I wouldnt get the loan. This was added on and I was told it would be a full refund but it was not.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 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