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

One morning I tried to withdraw money from the Robinhood app. I believe I put the wrong amount and it declined then I woke up to an email saying they are restricting my account. They emailed me and told me to sell all my bitcoin and they will return my money back to the bank account I deposited from. They also told me it would take up to 60 days and around day 45 they emailed me saying they couldnt verify the legitimacy of my funds and cant return my money. This happened in XXXX and I tried reaching out to the XXXX and SEC and I couldnt get any help. They took almost XXXX from me and I am still trying to fight it. The money came from my savings account so there was no reason for them to say they couldnt verify the legitimacy of my funds. Also if the funds werent legit they wouldnt have let me deposit them to the account in the first place. Its like they wanted to take my money. They lied in all the emails they sent me also.
Product: Credit reporting, credit repair services, 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. 


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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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

Vericred is a collection agency for XXXX. They keep selling my information to differs collection agency when they was paid off when the car was sold. Ive went over this multiple of times with them and this is fraud. They cant keep selling my information as a old debt. Especially when its been over 8 years thus has been settled with other collection agency. This against my rights and very much in accurate. The details were never verified as accurate. Please have this company investigate I never received any notification about this. I have attach the last collection agency my information was sold too
Product: Credit card or prepaid card

I spoke to XXXX today and she said that the chase can't refund money because the time has passed and I talked to manager XXXX she said will look in to account and get back to me and according to her, I had given every bit of detail with CHASE EXECUTIVE OFFICE, they gave it to the dispute manager and they just followed based on what they said. Apprently there was not time spent to LOOK IN THE DETAIL LATTER THAT I SUBMITTED. XXXX said she will look at it. I still want to fail a complaint cause of the unfairness of the treatment and no intergrity in reviewing the calls by the EXECUTIVE CHASE. 

CHASE Case Number XXXX And I have attached " XXXX.pdf '' with detailed story of my concern and dispute.
Product: Credit reporting or other personal consumer reports

I found inquiries on my report that i dont recognize Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX  Transunion XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I contacted both XXXX XXXX ( original said Creditor ) as well as the collections agency Portfolio Recovery about the debt that theyre saying is mine. I immediately contacted them both upon the collection account hitting my credit in XX/XX/XXXX for {$3300.00}. The debt has never been an Account on my credit report at any time since it was supposedly opened in XXXX. The verification the collections agency sent me in the mail was missing a bunch of information including XXXX room history. XXXX XXXX was not able to provide me any details saying they sold the debt so I had to work with the collections agency. The credit account is not mine! I filed a Fraud dispute with XXXX XXXX in XXXX and never heard back from them validating the debt. The debt is 7 years old and no one can validate its mine. I never have worked with XXXX XXXX in my life. Theres not credit reporting on my credit file ever with XXXX XXXX.
Product: Credit reporting or other personal consumer reports

XXXX has failed to send me proof/verification of the accounts they report to the credit agencies on my behalf. I have attempted to gain this info from XXXX and they have failed to provide which is now a violation of my consumer rights under the FCRA. The accounts are as follows : XXXX. XXXX XXXX XXXX FOR THE AMOUNT OF {$770.00} XXXX. XXXX XXXX XXXX XXXX  FOR THE AMOUNT OF {$960.00} XXXX. XXXX XXXXXXXX XXXX XXXX XXXXXXXX {$25000.00}
Product: Debt collection

I established prepaid service from XXXX on XX/XX/XXXX ... the bill was due on XX/XX/XXXX ( Not 30 days ) I cancelled service on XX/XX/XXXX ... mailed back phone on XX/XX/XXXX after finally getting the processing center 's address from XXXX which took over a month. They received the phone on XX/XX/XXXX and have reached out to a debt collector ( CBE Group ) stating I owe them {$300.00}. I do not. Prepaid service is PAID IN ADVANCE and I didn't even get the 30 days of service I paid for. The service was only supposed to be {$55.00}. XXXX has all these hidden fees and unlawful charges. I did what I was supposed to do. Whatever they did with that phone is their problem. I'm not going to hold their hand in the process which is their process to begin with-that is simply unintelligent. XXXX has been unethical, deceptive and has performed misleading and illegal business practice in this entire process and it is time they are held accountable for such... I am currently seeking legal advisement regarding this.
Product: Mortgage

I built a home in XXXX of XXXX my escrow taxes that year was like {$97.00} and something I was told to put extra money to my escrow account the later for the next 6 months I receive a payment booklet from Greentree stating that my annual payment will be {$1200.00} and some change in XXXX of XXXX I received the escrow refund check of XXXX I asked him was this correct they told me go ahead and spend it everything 's right they 're not responsible keeping anything over 3 years went by I find receive my first in annual escrow disclosure statement and it shows that now I 'm behind XXXX {$3.00} XXXX Greentree has changed its name to Ditech. My mortgage principal and interest isXXXXXXXX escrow isXXXXXXXX in the beginning. New payment Effective as XXXX/XXXX/XXXX is principal and interest XXXX Escrow is XXXX Escrow shortage fee XXXX for next 48 months bringing my new mortgage to XXXX. This should never happen and it should have never took them 3 years to figure this out.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are inquiries on my credit report, that do not belong to me and are deemed fraud. These accounts do not belong to me. I have reached out to XXXX, XXXX and Equifax to rectify the fraud accounts. These fraud accounts are hindered me and I need them removed asap. Below are the accounts which are fraudulent. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX XXXX Account # XXXX, XXXX, XXXX, XXXX, has violated my rights. 
XXXX XXXX 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 : States a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C 1681c ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
Product: Debt collection

I returned some CPAP supplies to XXXX XXXX XXXX XXXX back in the fall of XXXX because I no longer needed them. I was told by a company representative in early XXXX that I no longer owed money on these supplies after I was repeatedly sent invoices for the supplies I had already returned. After that I kept getting invoices for the returned supplies despite my contacting company representatives about the amounts ranging from {$25.00} to {$40.00}, alleging that the only items I returned were XXXX nose masks when I actually returned all items in the shipment ( there weren't XXXX nose masks in the shipment ). Despite my protesting the charge for the above-mentioned reasons my account was turned over to debt collection. I wrote the debt collection company and was told I needed to contact the medical supplier in a response to a letter to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate information on credit reports. I submitted a complaint letter to XXXX, XXXX, and Transunion by certified mail on XX/XX/XXXX. Here are the XXXX tracking numbers XXXX, XXXX, ( third number was lost ). No relief from this inquiry as of yet. This is truly disappointing! Please assist me in this matter. The four days to remove these inquiry/reporting has past, why is this still on my report?
Product: Debt collection

I have informed the debt collector ( Convergent ) and the debt holder ( XXXX ) that their alleged debt is the result of identity theft. I have filled out XXXX fraud packet and submitted it to them. They have not removed the debt and repaired my credit. I have demanded that my credit be repaired and that has not been done.
Product: Mortgage

My property was sold. It was agreed with Bank of America that I would not have derogatory information reported to credit reporting agencies due to the XXXX balance of the transaction. 
That appears to be an inaccurate promise from Bank of America. XXXX and XXXX has derogatory information from XXXX and XXXX on my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes. PLEASE REMOVE THESE ERRONEOUS ACCOUNTS THAT REPORTING ON MY CREDIT REPORT : AMERICAN XXXX XXXX ***** Opened Date XX/XX/XXXX Balance {$8100.00} Charge off XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Balance {$0.00} Charge off
Product: Checking or savings account

I opened the Credit Karma Spending Account due to tax purposes. on XXXX XXXX, 2024 I had a fraudulent charge on my account, I called immediately and the girl on the line canceled my virtual card since that is where the charge came from but told me that I have to wait until the charges cleared my bank. I called when it cleared, they told me I needed to access the email I had on file, I told them that I no longer had access to the email, and they said I needed to talk with another department and I got hung up on, I called, chatted and emailed so many times and every time they say it's being escalated, they can't help me, they'll make sure I get the right email ( I was finally able to access my old email ) but after like the 3rd time or so, the froze my account. Now no one will call me, email me back or anything, they are withholding my money and refuse to help me. I am having a mental breakdown and may need to seek help for this because this has been such a nightmare, it may not be a lot of money, but it makes a difference whether my kids eat or not and I already took out a loan so i could feed my family. I could write a book on everything that has happened so far, this is the very short version.
Product: Checking or savings account

Newly account restricted and funds held with no explanation or steps given to remedy. Account number XXXX
Product: Credit card

I have been receiving a paper statement fee of {$1.00} per month. This fee is excessive in relation to all of the other fees that the credit card company earns.
Product: Mortgage

I purchased this home in XXXX of XXXX. The original acquisition price was {$390000.00}. I took out a mortgage for {$370000.00} at 3.625 % for 360months. If you do the math, 78 % of that original purchase price is {$310000.00}. I have included in my complaint a screen shot from the Freedom Mortgage mobile app indicating the remaining balance of mortgage, currently {$310000.00}. I have also included a monthly statement. 
I contacted my servicer requesting the PMI to be removed from my payment. They told me I had to submit that request in writing. So, I did on XX/XX/XXXX. About a week later I received a letter in the mail from Freedom mortgage ( included ) stating that my loan is currently not eligible to have the PMI cancelled based on the original value of the home. I called on two occasions to speak to my servicer about their findings. All the four representatives I spoke to told me the only way this would be considered is to pay {$190.00} for a BPO to see if my value has appreciated enough to meet the criteria. 
I debated this with them ; stating I do not need to go off my current value, which I know is significantly higher than what I purchased the home for. They acknowledged that I have never been late on my mortgage and that my current balance is below 78 % of the original value. They could not explain why they were not permitted to remove the PMI. The last representative I spoke to explained that XXXX XXXX, the investor on my loan, changed their policy in XXXX stating that the new requirement to remove the PMI from a loan is now 75 %. 
I disputed this with them as I researched this on the CFPB website. I also asked them if the rule changed in XXXX, are they sure this is applied retroactively to loans closed prior to that date? They told me yes.
Product: Debt collection

I get constant phone calls from portfolio recovery. I have 0 debt my home is paid and they continue to bother me. There is no debt I have never paid
Product: Credit card or prepaid card

US BankXX/XX/XXXX Card Services XXXX XXXX XXXX XXXX, MD XXXX Re Account # Ending XXXX To Whom it May Concern ; I spoke with four different Customer Service and Collections personnel onXX/XX/XXXX. I received no customer service. I was inquiring how to reopen my account now that it is current and below the credit limit. I was told that my account could not be reopened and that I would have to reapply at XXXX, with no guarantee of getting a new account. 

This means in essence, I have to keep paying on a credit card that I can not use. Having a closed status with the credit bureaus acts like a charge off with me not being able to utilize a card I am paying for. 
I hope I am not induced to file a complaint with the Credit Bureaus and Consumer Financial Protection Bureau. Can we try some customer service instead, please. 

The reason for US Bank closing my account is noted as I took my phone off your call list with a cease and desist. I explained that I religiously called customer service prior monthly re any change or updates in my ability to make my payment and available payment options. 
You can not justify this procedure with no valid customer outcome. 

Why cant it simply be reopened? 

I dont have to tell you how challenging this last year has been. 
I have 96 % rate for paying my monthly bill, and prior to the pandemic I had a perfect payment history. 

I need you to manage a way to reopen my account. I will update the cease and desist re calling. 
I look forward to our next steps in a timely manner. 
Please advise. 

Sincerely, XXXX  CC XXXX  XXXX XXXX Consumer Financial Protection Bureau
Product: Credit reporting or other personal consumer reports

i want these hard inquiries to be delete, I did not authorize those company to ran my report. that is fraudulent. 

XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

XXXX XXXX XXXX did not send verification of debt after it was requested on XX/XX/16. The company has continued to attempt to contact even after debt verification was requested and no verification of debt was sent.
Product: Debt collection

I have had a wave garnishment sitting at my employer now since XXXX and they company sent me notice today XX/XX/XXXX that they are going to try to garnish me again for the same debt that is waiting for a turnover letter
Product: Credit card or prepaid card

JP Morgan bank/ Chase Bank is reporting a credit card on my credit report that I have NEVER applied for and is fraudulent. 

This account was supposedly has a {$1200.00} limit with a {$1300.00} balance. I DID NOT apply for nor use this account.
Product: Money transfer, virtual currency, or money service

I've been dealing with major issues for the past 5 months accessing my money after doing an ach transfer. I used to have a XXXX savings account and I transferred a total of {$13000.00} to Marcus by Goldman Sachs. The funds were fully available or else XXXX wouldn't have let me transfer the funds. I closed my XXXX XXXX account on XX/XX/year> because I thought I wouldn't need it since I wasn't earning much interest having that account open. Early XXXX, XXXX by Goldman Sachs froze my account then eventually forced closed the XXXX account on XX/XX/XXXX and wouldn't provide me a reason why they closed it. Since the account was forced closed they attempted to send the funds back to my XXXX XXXX account through ACH transfers because it's the funding account. The account is closed so the transfers keep getting rejected. Marcus decided to send a check to XXXX Operations center and the address is XXXX XXXX XXXX, XXXX XXXX Texas, XXXX. The check is payable to XXXX but has my account savings account number as a reference to show what account it came from. The check arrived on Monday XX/XX/XXXX but the Security department at XXXX told me that they received the check but it was returned back to Marcus by Goldman sachs. I don't know why Marcus keeps sending my funds to a closed bank account either by check or by ach transfer when I don't have any account with XXXX. I haven't heard any responses yet on how I will get my funds back and theyre holding my money hostage. I'm willing to fill out an affidavit form and send my XXXX statement.
Product: Debt collection

I received what I think is a fake collection letter from XXXX XXXX XXXX, or someone impersonating them. This collection attempt is for an installment loan through a payday loan company, and mentions as a potential witness against me my ex-wife who is deceased. ( I haven't seen or heard from her since 2001. ) Also I never took out an installment load with the payday loan company mentioned in the letter. Whomever sent the letter is also trying to pass it off as a legal document with a " filed '' stamp on it, although it doesn't look like any legal document I've ever seen. The amount of money they want me to pay is a significant in that it's not a small sum, at least by my standards.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block Inc ) due to no available customer service and unfair practices, which violate the Consumer Financial protection Act ( CFPA ). Cash App failed to take time to prevent fraud for their customers, leaving my account unprotected and vulnerable. This was unfair to me and anyone else who uses Cash App, they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused many problems, and financial loss and I seek appropriate redress for these violations.
Product: Student loan

XX/XX/XXXX submitted PSLF with MOHELA XX/XX/XXXX Submitted FSA Feedback Case because of payment history gap of 48 months XX/XX/XXXX MOHELA secure message stating not qualified for PSLF yet due to not enough qualifying payments. Also, one employer had end date incorrect on employer eligibility form, short on year XXXX. 

XX/XX/XXXX submitted new employee verification form to include the XXXX missing year. 

XX/XX/XXXX added message about payment gap allegedly being due to in school deferment mistake by XXXX. Included upload of transcript to show not in school during that time. 

XXXX?? XXXX transcript of chat with FSA representative ; informed feedback case is being actively reviewed and investigated. 

XX/XX/XXXX emailed Representative XXXX XXXX regarding congressional inquiry of my loan status. 

XX/XX/XXXX emailed Representative XXXX XXXX regarding congressional inquiry of my loan status. 

XX/XX/XXXX Added to Feedback Case request to escalate to the Ombudsman XXXX. XXXX business days since filing complaint. 

XX/XX/XXXX call FSA, representative with ombudsman. Reports complaint is in the queue with MOHELA. 

XX/XX/XXXX call with MOHELA. Representative said she couldn't see payments from the time period and connected with an account XXXX. She was told those payments are under review and I should know something in the summer.