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

Robinhood XX/XX/year> Call with XXXX from XXXX ( XXXX ) XXXX Was on hold for a while and then on the call but he was rushing me the whole time. 
Confirmed my name, birthdate, last four of social, Asked to confirm a couple crypto transactions I had made. 

Wanted me to submit bank info. 
Sent email from XXXX Sent this link to upload bank statement https : XXXX case number XXXX My wife came in and started asking me questions because she was uncomfortable with how he was pushing and rushing me. I was trying to make sure links were accurate because there are so many scams going around. People pretending to call from Robinhood.

He said, I can hear someone coaching you in the background. If anyone else is there I will disconnect the call.

When I asked why he said, because this call is being recorded for security and training purposes.

I went back to the app and it said I was still waiting on a support call. 

Previous : XXXXXXXX  Yesterday : Received call with case number. Called back the number given with case number and it said the case was closed. AGAIN! 

We are now over a week and a half into trying to just solve a simple problem. All previous errors from Robinhood on this are listed below. I got another notification in the app today that they tried to reach me yesterday and were not able to. FALSE. I have taken the calls, I have submitted the documents, and you have failed at every turn. 
Previous : I will continue to submit multiple emails per day until this is resolved to catalogue a record of your errors. 

I have repeatedly tried to submit information after getting a restriction on my account after connecting it with metamask to purchase XXXX. 

I have now been unable to change or get through for some time. 

It told me to submit documents. I did. It asked for a back statement and there was a message at the top to submit documents but no way to actually do so. Terrible. 

I waited three days for a call only to miss it. Then I called back with the case number given in the message and the system said the case had been closed.

So I continued to have the same issue. I booked another call last week. I finally got a call back today. I talked to someone but then got an email saying they tried to call and were not able to reach me. The agent on the phone asked me to submit this saying some of my info didn't match their records but didn't say what part. So maybe he heard me wrong and enter what I told him wrong? That's my only guess at this point.

I got an email to verify my identity and I followed the instructions and was told I now have to wait for another call.

Please improve customer service. This is the lowest I've experienced in some time.
Product: Checking or savings account

FRAUD ON MY WELLS FARGO DEBIT CARD. UNAUTHORIZED ATM WITHDRAWALS XXXX is still pending and the other happened XX/XX/2022 I have no idea how this happened but the total stolen was over {$1900.00}. 

exercising my rights to use Electronic Fund Transfer Act as i have notified my bank within 3 days of the transaction happening. 

Filing this complaint through CFPB because XXXX transaction is pending and i cant file a claim on them through the online banking yet.
Product: Debt collection

someone used my information to open an account with XXXX XXXX and it wasn't under my consent nor did I give anyone my consent to make this payment. I had filed a report for fraud years ago about this situation but no one has reached out to me about this nor did anyone help me settle this situation and it is preventing me from applying for loans, credit cards, etc I need this matter to be solved as soon as possible
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit reports in XX/XX/XXXX, I found an account from XXXX XXXX that showed as a closed account. I've reached out to XXXX XXXX to inquire why this account originally opened in XXXX and paid off in XXXX without any collection activity was shown as closed. The agency reported that they could not assist and directed me to the credit reporting bureaus. Upon reaching out to Equifax, I completed a debt validation request to which I received a response that it would be investigated. This account remains on my equifax credit report.
Product: Checking or savings account

My Citibank checking account was closed shortly after I deposited a check, around the date of XX/XX/XXXX. 

I called the company on XX/XX/XXXX and was told I deposited a " stolen check ''. 

The check I deposited was not stolen. It was a gift from my parents. I'm a single mother and am going through a difficult time financially, so they sent me some money for my birthday. 

Citibank immediately restricted access to my account and sent me an email stating that my account was closing and that my debit card was canceled. 

I called Citibank and spoke to XXXX different people. XXXX of them called the sender of the check and verified that it was not fraudulent. He stated he could not reopen my account, though. 

So, I started out being a struggling single parent and now I'm literally a broke single parent. 

This is unacceptable. I did not commit any crime or violate Citibank 's agreement in any way. 

I need my account opened so I can get to my money. 

Thanks.
Product: Vehicle loan or lease

To Whom It May Concern, I am writing to file a formal complaint regarding a recent issue I experienced with TD Auto Finance in relation to an auto loan extension. I believe that the company 's actions have caused undue stress and financial inconvenience, and I request your assistance in resolving this matter promptly. 

On XX/XX/2023, I utilized the TD Auto Finance website to request an extension payment for my auto loan. The website allowed me to process a {$50.00} payment and even calculated additional interest on my loan balance. I assumed that my request for an extension had been approved and processed accordingly. However, to my surprise, approximately two weeks later, I received a notification stating that I had a missing payment on my auto loan. 

Immediately upon receiving the notification, I contacted TD Auto Finance 's customer service to inquire about the discrepancy. To my astonishment, the representative informed me that despite the website granting me an extension and processing the payment, I did not actually qualify for the extension. I was further told that the website should not have allowed me to request an extension in the first place due to my ineligibility. 

This situation has left me in a state of confusion and financial distress. I acted in good faith by using the TD Auto Finance website to request an extension, and I assumed that my request had been approved based on the payment processing and the additional interest charges. However, it appears that the website 's functionality and the information provided were misleading, leading me to believe that I had met the necessary criteria for an extension. 

I am writing to you today to seek your assistance in resolving this matter. I firmly believe that TD Auto Finance should honor its original commitment, regardless of any errors on its part. The company 's failure to properly communicate its eligibility requirements and the subsequent contradictory actions on the website have caused me significant inconvenience and financial strain. 

I kindly request that the Consumer Financial Protection Bureau intervene in this matter and work with TD Auto Finance to rectify the situation. Specifically, I ask that TD Auto Finance be required to honor the extension that was erroneously granted to me through their website. This would provide a fair and equitable resolution to the matter, alleviating the undue financial burden that their actions have caused. 

Thank you for your attention to this matter. I appreciate your dedication to protecting consumer rights and ensuring fair practices in the financial industry. I look forward to your prompt response and a positive resolution to this issue. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

A few weeks ago I got approved for a CitiBank  XXXX   XXXX  credit card. It finally arrived yesterday  XXXX / XXXX /   17  in the mail and went online to activate the card but I as soon as I hit the activate button I received a message saying I need to contact Citibank Fraud support. When I called the number an agent whose name is  XXXX , ID :  XXXX  who asked for sensitive information such as the credit card number on my   XXXX   XXXX   XXXX   card which I refused to give out due to    XXXX   has nothing to do with Citibank. She put me on hold several times for a long period of time when I asked to speak with a Supervisor/Manager. While on hold she hung up on me and did n't bother to call me back. I called in to my nearest  Citibank  branch and they said that no agent should  EVER  ask for credit card info other than a  Citibank  card. At this point I 'm extremely frustrated with this bank and they refused to cancel my account since I need to send a photocopy of my social security card along with my driver 's license over to them to verify my identity. This is extremely sensitive information that can not be shared on the internet let alone via email. I 'm reaching out to you guys seeking for further assistance with this matter. Let me know if you need more information from me, thank you.
Product: Debt collection

I owed this debt which I have paid after they offered a settlement. After the amounts was paid and check cleared I have still been receiving phone calls. I called them twice and spoke to XXXX different people which XXXX have said the account was taken care of and a letter will be sent out to confirm the debt has been settled. I have not received that letter yet, credit reported not yet updated, and the calls still keep coming in. The XXXX people I 've spoken to said the calls should stop, but they have not and they do not know why.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and am writing to dispute the following information that appears on my XXXX report. Please verify or remove immediately the following accounts : XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX I ask to see the original contract tPlease remove this inaccurate information from my credit report. Key inconsistencies are found in total accounts, open/closed accounts, debt in collections, and hard inquiries. XXXX is missing a significant amount of account data, especially for revolving, installment, and collection accounts. Additionally, name and address formatting is inconsistent across the bureaus, and XXXX lacks crucial personal and account information compared to XXXX and TransUnion. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation immediately and delete Significant inconsistencies exist in the payment status, responsibility, and times late categories. XXXX is missing almost all relevant information, which further creates discrepancies across the bureaus. Additionally, TransUnion reports missed payments while XXXX reports charged off status, creating conflicting data.
Product: Credit reporting or other personal consumer reports

My account with Equifax was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported to be removed. 


They are not in compliance with the following law. XXXX XXXX XXXX and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


XXXX XXXX XXXX ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


Equifax Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, GA XXXX Subject : Dispute of Inaccurate Late Payment Reporting on Car Loan I am writing to dispute the accuracy of the information on my credit report regarding late payments reported for my car loan account # XXXX, XXXX. Under the Fair Credit Reporting Act ( FCRA ) Section 605B, it is unlawful to report inaccurate information on my credit report without my consent or proper verification. I request that this information be removed, and my account status updated to reflect " Paid as Agreed, Never Late. '' Additionally, 15 U.S.C. 1681a ( 2 ) ( A ) ( 1 ) specifies that reports containing information solely related to direct transactions or experiences between a consumer and a creditor are excluded from the scope of a " consumer report. '' The late payment notations on this account appear inconsistent with this definition and my actual payment history. 



To assist in resolving this matter, I provide the following relevant information : Account Holder Name : XXXX XXXX Account Number : XXXX Dates of Disputed Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Given these facts, I formally request : 1. Immediate investigation of this dispute under FCRA guidelines.

2. Correction of any inaccuracies and update of the account to " Paid as Agreed, Never Late. '' 3. Written confirmation of your findings and any corrective actions taken. 







Please ensure that this disputed information is not reported to any third parties during the investigation. The FCRA mandates timely investigation and response, and I look forward to a prompt resolution. 



Thank you for your attention and cooperation. 



Sincerely, XXXX XXXX
Product: Mortgage

I applied for and was pre-approved for a mortgage through Wells Fargo Home Mortgage. I was working with XXXX XXXX, a Mortgage Consultant with Wells Fargo ( XXXX ID XXXX ). After receiving a better interest rate with another lender, I decided not to go with Wells Fargo. As a condition of the mortgage, the new lender asked for a withdrawal/cancellation letter from Wells Fargo because my credit report indicated we applied for mortgage credit with a company named XXXX. Since there was no other bank, lender, or company we were working with other than Wells Fargo and the new lender, this hold up had to be associated with Wells Fargo. I attempted to contact XXXX XXXX and his office multiple times over the course of multiple weeks, but failed to receive any type of response back. This is holding up my ability to receive a mortgage through our lender. Here is the contact information for Wells Fargo : Wells Fargo Home Mortgage | XXXX XXXX XXXX XXXX | XXXX, NY XXXX XXXX XXXX Tel ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute the inaccuracies displayed on my NCTUE Report. 
Upon reviewing my report, I identified inaccuracies on my XXXX Account being reported. 
Account XXXX This misrepresentation must be corrected immediately. THIS IS WILLFUL NONCOMPLIANCE. I CALLED XXXX ON XX/XX/year>. I SPOKE WITH XXXX FROM XXXX. XXXX INFORM ME HE DOESNT HAVE ANY RECORD OF MY ACCOUNT. 

Legal Violations The reporting of this account violates multiple provisions under the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws, including but not limited to : - Defamation of Character - Neglect Enhancement of Identity Fraud - Violation of the Fair Credit Reporting Act. 
- Violation under 15 U.S.C 1681o Civil liability for negligent non- compliance - Violation under 15 U.S.C 1681n Civil liability for willful non- compliance - Failure to comply with 15 U.S.C 1692 ( g ) - Violation under 15 U.S.C 1681b- Permissible purpose of consumer reports- Violation under 15 U.S.C 1681 ( i ) Method of Verification - Violation under 15 U.S.C 1681a Right to privacy - Violation under 15 U.S.C 1681c Requirements relating to information contained in consumer report.

Demand for Immediate Action I demanded that you are immediately : 1. REMOVAL/DELETION of inaccuracy account on report.

Failure to respond satisfactorily within 30 days will result in a small claims action against your agency.

I will be seeking damages for all violations, as each violation carries a statutory cost of {$1000.00} under 15 U.S.C 1692k.

I expect this letter to be taken seriously and demand that this fraudulent and defamatory account be corrected immediately. If the requested corrections are not made. I will escalate this matter through legal channels.

Specific Inaccuracies FIELD Currently Reporting Correct Information FCRA Violations Metro 2 Violations Payment Status Late Status/Out Standing Balance Paid/Closed/Never Late -15 U.S.C 1681c -15 U.S.C 1681e ( b ) -15 U.S
.C 1681i XXXX : Incorrect Payment Status. 

XXXX : Improper Comment Code. 
Account Status Closed/Derogatory Closed/Positive -15 U.S.C 1681e ( b ) -15 U.S.C1681i ( a ) ( 1 ) -15 U.S.C 1681a XXXX : Incorrect Account Status Comments XXXX to 60 days Past Due. Paid/On Time/Never Late -15 U.S.C 1681i ( c ) - 15 U.S.C 1681O - 15 U.S.C 1681XXXX XXXX : Improper Special Comment Code
Product: Credit reporting or other personal consumer reports

I Checked credit XX/XX/2023 i filed Identity with Identity Theft > GOV sent it to Equifax and i still havnt gotten any respounds from Them about removing These accounts and inquiries Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

Our mortgage loan was transferred from a bank we love to Loan Care, LLC in XXXX  XXXX, Virginia in XX/XX/2019 ( loan number ending in # XXXX ). 

We set up our autodraft for the mortgage on XX/XX/19 and our first withdrawals started taking place on XX/XX/19. There were few issues until XX/XX/2019. 

Then, for no apparent reason, Loan Care started charging us monthly late fees for XX/XX/XXXX and XX/XX/XXXX payments ( we were not late ) of {$96.00}. When we would call to determine the reason, their terrible customer service was never helpful and never able to give us a reason, and our only option was to pay online to avoid being reported to a credit agency while we investigated the root cause. 

After 2 months of this happening and calling/emailing and going online, I finally reached a supervisor who was somewhat helpful but also very perplexed by our situation. She could not determine why we have been charged for these late fees and claimed she opened an escalated ticket ( # XXXX for this problem to be investigated. The escalated ticket states that there is no apparent reason why the late fees are being charged and when/why/how it started and when/how it will stop. 

I have now paid {$190.00} in late fees, and according to the supervisor I spoke with today, she thinks we will see another late fee for XX/XX/XXXX. Not to mention the distress and time we have had to deal with this, we also believe that the erroneous late payments - that weren't actually late - have been reported to credit bureaus, so the damage is now done to our credit report and FICO scores. 

With the exception of the supervisor I spoke to today at approximately XXXX CT, every customer service representation has been extremely unhelpful, has even lied, been rude and refused to assist us. Today at approximately XXXX, I spoke to a CSR , named XXXX, who actually yelled at me then proceeded to HANG UP on me when I pressed further for her to help me investigage and get to the bottom of this problem. I assume this is what their CSRs are trained to do in order to get away with sneaking in these additional illegal charges. If even a fraction of their total loan customers are charged illegal late fees, this number will add up quickly and be pure fraudulent profit to Loan Care. 

If you read the XXXX XXXX XXXX complaints on this company, there is a pattern of this behavior with similar problems and complaints. 

I will file this complaint before taking legal action against them ( citing : refund of late fees, damage to FICO scores/financial reputation, pain and suffering ). 

Thank you for your assistance.
Product: Credit card or prepaid card

I became unemployed and applied for unemployment benefits. On XX/XX/XXXX I receive an email from unemployment telling me that I had funds on the card already. I never received the card, so I was surprised that funds were put in it. I waited a few days and when I didn't get the card, I called the bank. It's Bank of America. She told me the card " had left on XX/XX/XXXX '' and that I would receive it, first she said XX/XX/XXXX, then corrected herself to XX/XX/XXXX, when I answered surprised at the delay. She then proceeded to tell me that for a {$10.00} fee, she could expedite it. 

First of all, how do you " expedite '' something that is allegedly already in the mail? Second, why were funds placed on the card before I even received it? Does the bank retain the card purposely so they can charge desperate unemployed people {$10.00}? I didn't need the money urgently but was inquiring as to the status of the card, but some people do. As a matter of fact, I got the card the following day, XX/XX/XXXX, so had I been desperate enough to pay the {$10.00}, it would have been in vain. 

Some people can not wait, and will pay {$10.00}. I find it abusive business practice to prey on unemployed people when it's THEIR card and THEIR money, and they need it to survive. If unemployment had already put funds in it, that means the bank delayed it purposely to charge this fee, and also knew I would get it anyway soon, but tried to charge me for this. Plus, what kind of mail takes 10 days to receive? Again, the clue is that unemployment thought I had the card, which is why they put funds in it. 

Please investigate this predatory business practice on a vulnerable population. They shouldn't be doing this, and I hope they don't have access to the funds and they're not racking up interests on unemployed people 's money because that would be a whole different and larger scam. 

I got my job back. I want to report this for others who fall victim of this practice. 

Thank you.