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

I changed my legal name and submitted to Robinhood all the required documents to update my name on my Robinhood accounts. 

For a week, customer service made multiple contradicting requirements, and every time they asked me for a new or additional information or document I happily provided them within less than 24 hours from the request time. 

To my surprise, they decided to block my funds, my debit card and access to my funds. It's been more than 4 weeks now, and every time I ask for information or attempt to speak to customer service they tell me that they can not disclose their review until it's completed. 

I am the victim of Robinhood hyper vigilant automated systems that deny me access to my own funds for weeks, for no real valid or legitimate reasons.
Product: Credit reporting or other personal consumer reports

The fraudulent and inaccurate entries on my consumer report persist despite my disputes. These unauthorized items resulting from identity theft continue to severely impact my financial well-being and cause significant distress. 

I am taking legal action regarding these fraudulent entries. You are hereby required to delete and block these items from my consumer report within XXXX business days
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, Assetcare LLC, XXXX XXXX XXXX and Capio Partners Account has violated my rights. 15 U.S.C1681 section 602 A. States : I have the right to privacy. 15 U.S.C1681 section 602 A section 2 : It also states a comsumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 The Department of Education sent updates to remove account and all negative information from my credit file to the 3 reporting credit agencies. Information was removed from XXXX and XXXX. Equifax is stating they never received information and had me file a dispute. Called Equifax on several occasions during this time period was told The Department of Education has not sent updated information or responded to dispute filed. Was told by Equifax to call The Department of Education back and get them to update information XX/XX/2022. Called The Department of Education on XX/XX/2022 and was told that they have not received any correspondence from Equifax and that they are not able to send another update about account to Equifax. I feel that I'm not able to get situation resolved from both Equifax or The Dept of Education. I've sent letters from The Department of Education and all other correspondence showing that my loans are not in default and they have been rehabilitated and unable to get this resolved.
Product: Checking or savings account

I opened a Convenience Checking account ( Account No. XXXX ) with TD Bank on XX/XX/XXXX. I closed the account on XX/XX/XXXX. During the course of the account ownership, I received an account opening bonus of several hundred dollars.

Despite the fact that the bonus counts as interest income for the purposes of filing federal taxes, TD Bank declined to timely deliver to me an INT-1099 form. ( Despite the fact that all other TD Bank mail has been delivered, including advertisements for opening a credit card with them dated after my account has been closed, I did not receive the INT-1099 form. ) And because my account has been closed, I can not access the form online. 

When I attempted to call them on XX/XX/XXXX, I was advised that the form had been mailed out, but that there must have been a problem with the mail. I was then advised, falsely, that I was not eligible to receive an INT-1099 because I hadn't incurred more than {$10.00} in interest. I was then finally advised that I needed to speak with a TD Bank branch to access closed account information. 

I then called the TD Bank branch at XXXX XXXX XXXX, XXXX XXXX, CT, at XXXX. I was again falsely advised that I was not eligible to receive an INT-1099 because " bonuses don't count as interest. '' ( Despite the fact that I have received INT-1099s for similar bonuses from other banks in the same market. ) Finally, I was advised that I would need to physically come into the bank to receive my form, if one could even be generated at all, because TD Bank lacks the ability to communicate it to me in any other form. 

My request is fairly simple : I want the tax information that TD Bank has generated for me, which I need to file my taxes and which TD Bank has presumably already provided the Internal Revenue Service. My problem is also straightforward : the procedure that TD Bank has developed for obtaining this information is complicated, inconvenient, and teeming with misrepresentations. In failing to make my tax information easily available to me, TD Bank is materially affecting my ability to file my taxes. If I miss the deadline to do so, or if I end up having to file incomplete information with the Internal Revenue Service, it will be TD Bank 's fault.
Product: Credit reporting or other personal consumer reports

XXXX is reporting a debt that is older than 7 years and inaccurate. 

XXXX XXXX  XXXX over 7 years DEPT OF EDUCATIONXXXX XX/XX/2018 missed payment is inaccurate!
Product: Debt collection

I am, XXXX XXXX and I Am submitting this complaint against XXXX and Valor Intelligent Processing there is no Third Party involved.Included in the Exhibits you will find my efforts to try to resolve a billing error with XXXX XXXX in which was delivered by certified mail XXXX on XXXX XXXX. XXXX has failed to acknowledge receipt of my billing error dispute stating Valor Intelligent Processing has the account in attempt to collect an alleged debt on an account in which I have reason to believe there exist a computational error and misapplied credits. Additionally as of a recent review of my consumer report on XX/XX/2022 XXXX has furnished negative inaccurate reporting to XXXX, XXXX, and XXXX ( Exhibit Attached ) Pursuant to regulation V this information lacks accuracy and integrity and I demand the furnisher XXXX to delete the account pursuant XXXX XXXX XXXX the account along with my other requests attached in my Exhibit. I did not give my written consent for you to furnish any information to XXXX, XXXX Or XXXX nor did I give my direct written consent to Valor Intelligent Processing to have my information if such a document exists with such permission provide it to me for my inspection.You have caused me injury from your conduct.This complaint shall serve as my second Notice of a billing error dispute.
Product: Mortgage

I HAVE BEEN TRYING TO SAVE MY HOME FOR THE LAST YEAR GOING BACK AND FORTH WITH FLAGSTAR WITH THE HELP OF MY COUNSELOR XXXX XXXX. 

WE HAVE PROVIDED EVERY DOCUMENT THAT THEY HAVE ASKED FOR BUT THEY CONTINUE TO MESS UP ON MY LOAN. I AM TRYING TO SAVE MY HOUSE AND I AM ABOUT TO LOSE IT BECAUSE THEY DON'T WANT TO HELP ME. 

EVERY BANK STATEMENT THEY ASKED FOR HAS BEEN PROVIDED AND EVERY DOCUMENT THEY HAVE ASKED ME TO CORRECT HAS BEEN PROVIDED. WHERE DOES THE RUN AROUND END! WHEN I LOSE MY HOME TO FORECLOSURE SALE BECAUSE THEY FAILED ME!
Product: Debt collection

I received a notification of a creditor placing an account on my credit report for XXXX XXXX. Ive never had or spoken to anyone from XXXX XXXX. I immediately asked the company Allied to provide me with legal validation of this debt. In return they sent back a copy of a bill the does not have my SIGNATURE showing I was even aware of this bill which is a violation of my right as a consumer under the FDCPA. Im seeking original documentation between myself and XXXX  with ORIGINAL signatures and they have failed to send me therefore Im asking the account be deleted permanently from my credit report.
Product: Mortgage

To Whom It May Concern : My Forbearance was from XX/XX/XXXX to XX/XX/XXXX, to  assist me in keeping my home and modify my monthly payment with a more affordable payment, if possible. <P/>In XX/XX/XXXX, I saved enough money to purchase this house located at XXXX XXXX XXXX XXXX XXXX MD XXXX. I paid my mortgage on time each month starting with my old mortgage company XXXX XXXX which was then obtain by Wells Fargo Home Mortgage. I then got laid off XX/XX/XXXX. I lived on my savings, Severance pay and unemployment up until XX/XX/XXXX, with this income I paid my mortgage on time. I 'm enclosing to letters from Wells Fargo Home Mortgage. each letter said that I will owe a balance but no mention that I would have to pay it up front in order to reinstate my mortgage payment. Wells Fargo is claiming I was default in my mortgage, I became defaulted when they returned my payments in XX/XX/XXXX. <P/>I applied for a forbearance so I could pay other bills and still pay my mortgage because it was explained to me by the Representative an employee, XXXX XXXX of Wells Fargo Home Mortgage that after the forbearance I will get a modification and reinstate my mortgage payment starting XX/XX/XXXX but to my surprise it was not so. I mailed in a mortgage payment in XX/XX/XXXX and XX/XX/XXXX and it was returned. I was refused my mortgage reinstatement so I appealed several times only to be refused. I called HUD which is suppose to help homeowners from become homeless with all those government programs and I was not help by them also. <P/>I am very disappointed since knowing that the government bailed out these banks and they are still railroading honest innocent homeowners like myself so they can have the equity and the house. I feel cheated. I may not know how to explain this but I know I am being wronged. I would like to have access to any and all government programs that would allow me to keep my home and stop my children and I from become homeless. <P/>Yes, my income has changed to a more positive income. I am babysitting for the amount of {$2000.00} per month for XXXX children at {$250.00} per week ( this is sure money ), my mother pays {$640.00} towards the mortgage also. I still have savings in my credit union and I have XXXX tenants :  XXXX is paying {$950.00} and the other {$500.00} per month. I received {$2500.00} a month in child support. I am paid {$1500.00} bi-weekly. I can afford my home. I would do anything to keep my home. Any assistance would be greatly appreciated. <P/>What you as a consumer protection agency do to assist me if Wells Fargo Home Mortgage refuses to correct this problem. <P/>They response to you is that they can respond because they are in litigation for a case that is involve the same issues I 'm having with them. So I would like to be included in that case. Or what will be done by this Office to stop the sale of my home from going any further. Would this office file another case against, I know at least one other person having a similar issue with them, in another US country. <P/>Wells Fargo is a Bully and only know how to steal from honest homeowners.
Product: Mortgage

Village capital investments LLC has an absurd 7 business day review of payoff requests that are then physically mailed to the requester. This policy exists for no reason other than to delay the payoff of a mortgage to collect more interest or interfere with the closing of a home in the hopes of ruining the sale, again to continue to collect more interest. Our payoff request was submitted XX/XX/XXXX, we received no notice that there was an issue until the title company contacted them the XXXX to ask what's taking so long. Village capital informed them that since there was no wet date on the document, despite being a wet signature and the fact that the date of the signature of the document is irrelevant to the request, it would not be processed. Again, clear indication of arbitrary policies that exist for no reason other than to delay processing for the purpose of interfering with the paying off of the mortgage to collect more interest, either through delay or fully stopping the sale of a home. I called village capital on the XXXX and was told it would take 7 days. I was not told 7 business days and even a personal request from myself for a payoff date would put me at the back of the line. My calls then began to be screened by the company, calling 4 times between the XXXX and XX/XX/XXXX, getting through the automatic system and it hanging up. I know my calls were screened because we called on my wife 's phone on the XXXX and went right through to a representative. The XXXX was supposed to be the close date of our home. Since we had to extend our class date we also lost the home that we were intending to purchase because it was contingent on close. Since we lost the purchase, we have to pay thousands to extend our rental. The representative clarified it was 7 business days but refused to elaborate why the policy exists. I have family that worked mortgage servicing in theXX/XX/XXXX 's that provided same day payoff amounts with per diem rates. These policies have no valid reason for existence and are designed to harm the consumer.
Product: Credit card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Hello, I XXXX XXXX am writing to dispute inaccurate late payment entries I noticed on on my consumer report related to my Discover Card account. These late payments have been fully addressed, and the report should reflect Paid as Agreed or Paid On-Time. 

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Upon reviewing my consumer rights, I would like to bring to your attention specific provisions under federal law. Specifically : 1. 15 U.S. Code 1681s-2 outlines the responsibilities of furnishers of information to consumer reporting agencies. It mandates that furnishers of information are prohibited from reporting information with actual knowledge of errors ( 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) ).

2. 15 U.S. Code 1681a ( 2 ) ( A ) ( i ) provides exclusions, stating that consumer reports do not include information related solely to transactions or experiences between the consumer and the person making the report. The information reflected in my report consists of such transactions, and as such, it should not have been included. 

Based on these provisions, I formally request that the late payment entries be removed from my report or updated to reflect the correct payment status. In compliance with the Fair Credit Reporting Act ( FCRA ), I request that you investigate this matter thoroughly and correct the inaccuracies. 

Please send me written confirmation once the corrections have been made, and ensure that my consumer report is updated accordingly. I expect a response within the 30-day timeframe outlined by the FCRA. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

Acura Financial Services has never honored the original contract : it was an interest free loan yet mid-way into the contract I was charged interest ; I was told the additional coverage I purchased would extend the warranty to 130,000 miles to ensure I received the full 100,00-mile warranty, as the vehicle had 30,000 miles on it at purchase. XXXX XXXX at 100,000 miles forcing me to take a refund for my coverage in paid services on the vehicle at Acura. Acura found enough in repairs to ensure I received none of the refund in cash.
I have fulfilled my contractual responsibility to Acura financial services as it pertains to my XXXX XXXX XXXX, but I have yet to receive the owners registration ; Acura has continued to hold my pink slip XXXX, while illegally access the vehicles computer system manipulating and interfering with the vehicles performance by generating error code ( ALL CODES DIRECT YOU THE ACURA DEALERSHIP ) and added additional fees at the end of the contract, in an effort to extort additional monies ; this is extremely egregious and despicable behavior on the part of the lender.
I experienced a major reduction in income when my medical status changed in 2013 to XXXX, with a diagnosis of XXXX XXXX. Because of the reduction in income I incurred late payments ; even with my repeated explanations of my medical status and irregular XXXX disbursements to Acura representatives, Acura still actively embarked on a despicable and unlawful campaign of harassment and bulling via the manipulation of the computer system in my XXXX XXXX XXXX.
Acura persisted in a hostile position of aggressively manipulating the computer system on my XXXX XXXX with error messages, disruptions in the performance of the XXXX vehicle, disruptions in the functions of the various systems on the vehicle and harassment of friends, family, neighbors and myself with repeated activations of the loud security system during the very early hours in the morning and late night. This egregious, instructive behavior on the part of the Acura corp. under XXXX XXXX XXXX XXXX XXXX is complicit in manipulating the vehicles computer system, diminishing and/or damaging the vehicles performance, forcing unnecessary and burdensome repairs which generated revenue for the corporation and created a financial burden for this owner. Their action damage the battery, forcing the purchase of 4 batteries and resulting damage so extensive to the transmission I was forced to pay over 5,000.00 in repairs.
I have written letters and contacted the company via telephone in an effort to have them compensate me for the losses I incurred as a result of their unlawful behavior and the immediate release of the title to my car as I have fulfilled my contractual responsibility to them.
Product: Debt collection

The original creditor XXXX XXXX XXXX XXXX told me the issue was resolved after I assured them I do not own a car and that my mom paid for insurance on a car she thought I was going to keep. She wanted me to have insurance so that I can purchase a tag. The original creditor still owes my mom {$130.00} for new policy. The title wasn't changed over to me after finding out the original owner wasn't truthful about the mileage on the car. I found out this information while visiting the Florida Department of Motor Vehicles. The affidavit wasn't signed. Months passed and now I'm getting credit collection services notices every month when I was trying to establish credit. This negative remark was falsely placed on my credit reports and need to be removed. I do not owe this debt. I never received notices from XXXX stating I owe this. The company name is Credit Collection Services, XXXX XXXX XXXX, XXXX, MA XXXX. My file number is XXXX XXXX XXXX. My Pin Number is 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 's XXXX  : # XXXX, XXXX XXXX : # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

I received a letter from Vengroff Williams , Inc of XXXX, FL saying that they have been engaged by XXXX XXXX ( XXXX ) to collect {$610.00}. I have no outstanding debt with any organization and there are no details to support the collection. No time, date, proof of transaction of any sort. They provided an internal acct # that's been assigned to me # XXXX & a reference # XXXX. There have been no attempts from anyone to claim this debt via phone, email or letter ( before this fraudulent attempt ). There are no charges on my credit cards that this organization could point to as proof. I haven't engaged in any transactions with any company called XXXX XXXX. No communications have taken place with any of the 3 credit bureaus as " late '' or otherwise delinquent. I subscribe to a credit monitoring service ( XXXX XXXX ) where nothing has been reported. I called the " Resolution Specialist '' on the letter named, XXXX XXXX @ XXXX where he has a VM I left a message. Every single phone number on this " invoice '' is his number. This seems to be nothing more than an attempt to extort/steal money from unsuspecting people. I'm formally writing back to this organization within their 30 day requirement to formally dispute this fraudulent claim. My phone is XXXX ... thank u
Product: Checking or savings account

I had XXXX  large deposit come in for XXXX in my account chime closed my account have yet to send a refund respond or even send the money back to the sender that deposit these funds where for my unemployment I have face financial hardship ever since chime ask me a while back to send it so many documentation I have provided to them I tried calling this morning they told me they would email me have yet to receive a email I feel robbed sick to my stomach this company closed my account and took my money told me I can not get a refund for my money please help it has been XXXX  years now that I am trying to recover my funds I have moved I am XXXX  in a shelter I really need my money back
Product: Student loan

Information on my credit are inaccurate since XX/XX/XXXX regarding loan and payments. Took a break from school in XX/XX/XXXX and already receiving " payment due '' notifications through email.