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

I have contacted Robinhood four times since last month and have not received any response from their customer service. Im trying to get tax documentation for my virtual currency that I hold with them so that I can file my taxes. I had to file an extension with the IRS because I still have not hear from Robinhood a month later. I cant call them because they do not list a phone number and emailing or sending a message through the app has gone unanswered.
Product: Credit card or prepaid card

I have been attempting to re-structure and settle debt that I have had difficulty managing. In late XXXX, I called Bank of America 's collections department to discuss hardship programs as an option. ( XXXX ). I have since made XXXX more calls to this dept. and discussed various options and in XXXX was offered a plan that would close the account and reduce the interest to 2.25 % and a payment of $ XXXX for a term of XXXX  months. At the time I did not accept the offer, still looking at my total financial picture to decide the best option. 
I called again in XXXX and again in XXXX, on XX/XX/XXXX and then again today XX/XX/XXXX. On XX/XX/XXXX, I was able to make an arrangement on another account, ending in XXXX to settle the account. On XX/XX/XXXX, I also inquired about my XXXX credit card, which ends in XXXX. Again, in previous calls regarding the card ending in XXXX, I was given different options, XXXX of which was for $ XXXX x XXXX  XXXX 2.25 % and another which was $ XXXX for XXXX  months @ 5 %. Today when I called I was told there was no option but credit counseling, through a company referred by Bank of America, which is named XXXX XXXX XXXX. I contacted them at that time ( I believe the first time I reached out to them was in XXXX ). I have since been in contact with them again, went through the entire process and was told by them that they get no better offers ( typically ) than I could work on myself and the person I dealt with told me he thought my best option was to work directly with the bank, thus saving the set up fee and monthly fee charged by XXXX. ( {$33.00} set up and $ XXXX ). Over a period of XXXX  months, this would total {$1500.00}. So today, Bank of America told me that on the account ending in XXXX ( it is current as of XX/XX/2023 ) that my ONLY option is debt management. Meaning, the only hardship offer for me is to pay {$1500.00} to settle the account. I have XXXX issues with this. 
XXXX. Today, XX/XX/XXXX, I was able to close and settle the other account, ( ending in XXXX ) for a reduced interest rate and auto payments from my checking account. 
XXXX. Being left with no option but the one that would cost me another {$1500.00}, making it seem as if Bank of America is forcing me to pay this money to a XXXX party in order to settle the account. If XXXX is able to negotiate some settlement with a reduced interest rate, close the account and pay off the entire balance within XXXX  months, why is that option not offered to me. It is inherently unfair and coercive.
Product: Credit reporting, credit repair services, or other personal consumer reports

We refinanced our home in XXXX. The new mortgage company paid off {$250000.00} via wire transfer that was completed XX/XX/XXXX. XXXX XXXX reported us 30 days late even though the wire transfer had been confirmed as received before XX/XX/2020. 

We hired an credit repair attorney to get the incorrect information corrected and the credit bureaus refused to correct the information as well as did XXXX XXXX. I was told I would need to file a law suit against the bureaus by the credit repair company.

A few other things are worth noting : 1 ) the credit file is reported incorrectly - reporting XXXX XXXX as currently late with a XXXX balance. 
2 ) I called Transunion and XXXX  in XXXX and they customer representatives told me there was no lates on my file in relation to XXXX XXXX, but it shows when my mortgage company pulled my credit file shortly after in my efforts to obtain a new mortgage. 
3 ) I have documentation proving that XXXX XXXX had received the payoff on the XXXX, before the 30 day late marker.
Product: Checking or savings account

I am writing to file a formal complaint regarding a missing deposit at a KeyBank ATM located at XXXX XXXX XXXX, XXXX XXXXXXXX XXXX on XXXX XXXX XXXX  at approximately XXXXXXXX XXXX I deposited {$1200.00} cash into my business account at this time via the ATM. 
The ATM appeared to accept the deposit. It prompted me to confirm the deposit, thanked me for the transaction, and dispensed a deposit slip. As I drove off, I had realized that the ATM did not give me my card back and upon reviewing the deposit slip, I discovered that it indicated " No Deposit Made. '' I immediately visited the KeyBank branch the following day to report the issue. Despite my concerns, the branch personnel had stated that there is no record of the deposit and no overage found in the ATM 's cash inventory. 
The ATM malfunctioned and I have a recording of this. I observed this behavior firsthand when, in the presence of a bank teller, I attempted to deposit a {$5.00} bill to show the teller the sequence of steps. The ATM followed the same sequence as my initial deposit : it appeared to accept the deposit, thanked me, and dispensed a slip. However, approximately 10 seconds later, the {$5.00} bill was silently ejected, and a few moments later the ATM began beeping as if something was wrong. 
Based on this observation, I suspect that the ATM may have similarly ejected my {$1200.00} deposit. I am concerned that the funds may have been taken by a passerby or potentially retained by the ATM itself.

The branch manager couldn't offer any explanation on why the ATM behaved this way, and furthermore insinuated that the transaction was made up, even though I showed him the original deposit slip. 

I request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure the proper functioning of KeyBank 's ATMs and the safety of customer deposits. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

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

List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a 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 XXXX 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

BMW IS REPORTING NEGATIVE LATES ON MY ACCOUNT NUMBER XXXX DATE OPENED XX/XX/XXXX LATE REPORTING IS ON XX/XX/XXXX AND ACCOUNT NUMBER XXXX DATE OPENED XX/XX/XXXX, THESE ARE ABSOLUTE INACCURATE. 
I HAVE WRITTEN REMOVAL REQUESTS TO BMW FIN SVS. BUT NO RESPONSE FROM THEM I HAVE REQUESTED THEM CURRENT LETTER OR ACCOUNT STATUS LETTER, BUT THEY ARE NOT RESPONDING. 
AND PLUS THAT I HAVE CONTACTED BUREAUS TO HAVE THIS REMOVED THEY ARE NOT COOPERATING AND PLACING DISPUTE AFTER DISPUTE. 
PLEASE HELP I NEED TO REFINANCE AND THIS IS AVERY IMPORTANT ISSUE AT THIS POINT IN MY LIFE. 
I WOULD GRATEFUL IF YOU HELP ME
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected on my credit file. XXXX XXXX  XXXX XXXX Balance {$650.00} XXXX XXXX Balance $ - ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : {$12000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my Credit Report I noticed that there are still accounts that are reporting erroneous and incorrect information. I am not satisfied that you have completely fulfilled the guidelines of the Fair Credit Reporting Act in conducting your examination. I sense that the accounts needs a proper action to assure maximum possible accuracy on my credit file. Hence, I am asking for another investigation. 
XXXX XXXX XXXX XXXX Balance : {$150.00} ; XXXX XXXX XXXX : {$57000.00}.
Product: Credit card

In XX/XX/year> someone tried to apply for a credit card fraudulently in my name. We called Chase and they shut that account down. However, ever since then we continue to get emails about an account to my & my wife 's email and with my first name. The emails report the % of balance used, when the balance is paid and come from XXXX. So somewhere my first name and our email are connected to an account that is not mine ( I do not have any accounts with Chase ). We have called Chase several times and they keep transferring us between fraud, customer support, and tech support and say they can not do anything about it. They say they can not search by an email ( which they should be able to search for since it is an element in their database ). After multiple attempts to resolve with Chase I am reaching out to you for help as my name and our email are being used fraudulently and without my permission and Chase refuses to rectify the situation. If you are not the correct agency to make them fix this, please let me know who to report to.
Product: Mortgage

Third Federal is engaging in unfair or deceptive acts and practices. The company mislead me regarding a home equity line of credit. Third Federal misled me and continued to ask for documentation above normal lending requirements, which caused substantial personal injury. I was required to provide extraordinary documentation of my mailing address ( a po box ). This is a very common situation that any reasonable lender has handled in the past with no issue ( I have refinanced the same loan multiple times ). XXXX XXXX has guidelines for this situation which were not followed by Third Federal. The documentation I provided was reasonable and verified lending requirements peXXXX XXXX XXXX guidelines. However, Third Federal unfairly denied my application for credit because my mailing address is a po box XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my credit report and noticed violations under the 15 us code 1681 and 15 us code 1681b ( FCRA ). The law clearly states the following15 us code 1681b ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Meaning that if you do not have or havent gotten any written instructions from me ( the consumer ) to furnish an account on my report. It should not be there. That is a violation. I never gave written instruction to furnish any of the following accounts. Secondly according to the 15 us code 1681.The law clearly states 1. Accuracy and fairness of credit reporting. The Congress makes the following findings : 2. The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. I sent out a letter To Verify The Accuracy On Credit Report and I did not get a response. So I send out another letter just in case they didn't receive it still no respond. Under the FCRA 15 U.S.C. 1681i, all unverified accounts MUST be promptly deleted. I have the list of accounts that are inaccurate and its in clear violation of my privacy. Which is a violation of the law. This is embarrassing and damaging to my reputation as a consumer. Below are the names and account numbers who are in violation, and need to be removed off my report, not closed status, but REMOVED. 

XXXX XXXX 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
Product: Vehicle loan or lease

I leased a new vehicle from XXXX/General Motors in XXXX. The vehicle lease agreement was issued by GM Financial and was for a three year term that ended in XX/XX/XXXX. During the course of the lease, I made all payments on time as billed to me by GM. This included a period of approximately 3-4 months about 12 months after lease origination when GM incorrectly billed me less than what was contractually owed. When GM caught its billing error, GM billed me a one time catchup that was nearly 4x the standard monthly payment. I paid that bill as presented and on time. 

As the lease term neared expiration, I contacted both GM and the original selling dealership to arrange a vehicle pre-return inspection. Both the dealer and GM refused to provide this service. 

I consequently had the vehicle inspected by a third party mechanic who documented no defects or excess wear of any kind. Pictures of the vehicle along with my inspection report are available. 

I returned the vehicle to my selling dealer on time and after having made all regularly scheduled payments due under my lease agreement. A complete payment history is available as all payments were made electronically through my bank. 

The dealer informed me at vehicle return that I should expect a bill from GM for the contracted lease return fee together with any other wear and tear fees GM may assess. Given the vehicle was returned in excellent condition as verified by my inspection and with less than the agreed 30,000 leased miles, I expected to pay no more than the contracted {$400.00} lease return fee. 

Instead, approximately 30 days after the vehicle was returned, GM sent me a bill for nearly {$1100.00}. There was no detailed itemization beyond vague descriptions like wear and tear and lease end taxes. 

Additionally, during the lease return process, I became aware that, during the prior episode of incorrect billing by GM, GM made late payment reports to credit agencies when I paid the amounts billed by GM. Furthermore, when I reviewed my lease contract just prior to lease end, I realized that GM had consistently over billed me during the entire course of my lease. 

In response to GMs incorrect and potentially fraudulent lease end bill, I wrote GM a letter outlining my position as stated here. I objected to all fees except the agreed lease termination fee as these were being assessed outside of the agreed lease contract. I also objected to the wear and tear claim based on my third party inspection results.

Finally, I made GM aware of their over billing during the lease term and made demand for the amounts I had overpaid. I mailed my letter to GM at the address on the bill along with a check for the contracted {$400.00} lease return fee. 

GM cashed my check, but never responded to my letter.

Instead, I found out just recently that GM charged off the balance of their incorrect and possibly fraudulent bill and reported this charge off to the credit reporting agencies. This resulted in over 100 points of damage to my otherwise 820+ credit score. 

I have included a copy of the letter I sent to GM in XX/XX/XXXX with this complaint.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXX/XX/XXXXXX/XX/year>
Product: Debt collection

I have a a unverified account from NORTH SHORE AGENCY. I had previously disputed this account. I have never done business with NORTH SHORE AGENCY. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that NORTH SHORE AGENCY.I declare Myself competent. I am not a Corporation or a Public Entity.NORTH SHORE AGENCY must be a Third Party Debt Collector and I do not give you permission to interfere into My Commercial affairs. If you are assuming that you are representing Me, you are Hereby Fired and your Power of Attorney is Hereby Revoked. 
As proof of claim, complete the attached CREDITOR DISCLOSURE STATEMENT and return within 15 days. Failure to respond with the completed CREDITOR DISCLOSURE STATEMENT, thereby providing your verified Proof of Claim, signed under the Penalties of Perjury and verified by your affidavit, you, NORTH SHORE AGENCY are agreeing to your Commercial Dishonor, exhausting. My Administrative Remedies. I will accept your Silence as an Acceptance, and your agreement that a Default be entered against you. You will also agree to a Full Tacit Contractual Agreement being a participant in Fraud and to forfeit all remedies under Administrative Law, Judicial Law, and / or MARITIME CLAIM RULES C ( 6 ). 
You should also be aware that sending unsubstantiated demands for payment through the United States Mail System might  constitute mail fraud under federal and state law Your failure to satisfy this request within the requirements of the Fair Debt Collection Practices Act will be construed as your absolute waiver of any and all claims against me, and your tacit agreement to compensate me for costs and attorney fees. 
any additional interest, charges, or other fees placed on this account. I want to request that NORTH SHORE AGENCY Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Product: Credit reporting or other personal consumer reports

It has come to my attention. My personal information has been exposed in the national data breach. Reviewing my credit reports I noticed some accounts I am unfamiliar with. I have asked the CRA 's for validation of debt however, the information has not been provided due to my information being exposed I have submitted a FTC complaint reporting the information. I am not familiar with.
Product: Debt collection

XXXX XXXX XXXX came to my house numerous times and i sent them away they came again and spoke with my husband who was very ill and got him to sign a loan and a few months later he passed away. I told them to take the solar panels off that it was not my debt and all they did was make threats to me. Goodleap financial ( XXXX XXXX XXXX XXXX  ) put a lein on my house and it was not my debt I did not agree or sign any documents now they are emailing me saying I owe thousands of dollars.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent Experian a certified let ter on  X/XX/2017  as well as a fax on  X/XX/2017  regarding updating the accuracy of my address, telephone number and employment. They have refused to make the changes. I submitted a copy of my drivers license, social security number and a bank statement, with my current address ( which has been my address over the last five years ). Even E xperian has corresponded with me through my updated address.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX IS VIOLATING MY RIGHTS BY REPORTING FALSE INACCURATE ACCOUNTS ON MY CREDIT FILE. THESE ACCOUNTS WERE OPEN FRAUDULENTLY IN MY NAME. THIS IS MY XXXX ATTEMPT WRITING XXXX ABOUT THIS MATTER. THEY HAVE NOT RESPONDED TO MY DISPUTES OR MADE ANY CHANGES. I AM GOING TO HAVE MY ATTORNEY TAKE THEM TO COURT BECAUSE THIS IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT.