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

I deposited funds into my account with Robinhood ( RH ) to purchase stocks. Due to my oversight I selected the incorrect checking account which resulted in 3 rejected transactions. I admit this is my fault and have since remediated the Deficit of what was provided up front to me as an instant deposit of {$1000.00} when I deposited that amount after realizing I used the wrong account. My account was locked from being able to purchase more stocks which also is fine. With the instant deposit money provided to me I made over {$700.00} from my investments. I deposited {$1000.00} from the correct account days after noticing my error. Now that I have rectified my deficit and no longer want to trade on the RH platform, I am attempting to withdraw my money. RH claims I now have account restrictions that prevent me from withdrawing my money. I can not withdraw funds that have gone through a regulatory clearing house process and RH is denying me the earned investment accrual from the {$1000.00} instant deposit. I am being denied access to money I provided to RH for trade in addition to money earned. Additionally I have reached out to RH via their contact us process and have not received any correspondence or outreach from an actual service representative to resolve the situation. I have only received canned responses with a claim number via email each time i go through the contact us process. On social media I provided my claim number and have not received a contact from anyone. To be in a pandemic and have a company prevent access to money that is free and clear is down right criminal. It is very transparent in the light of recent events that Robinhood and its leadership do not have the financial capital or technology support in place to support their model and platform.
Product: Mortgage

I received a letter stating I had met the XXXX to have PMI cancelled, but now they are wanting me to pay for an assessment on the property. 
From what I have read and on the document they supplied when I closed the loan, the PMI should automatically drop off when the principal balance of my loan reaches 78 % of the original value of the property. This was met in XXXX, however I still paid for PMI in that month as well as XXXX. After a hard time to get through to XXXX XXXX, I was told they would review and may get back with me in XXXX some time. 
During the Summer I was told by them it would drop off in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Credit Reporting On XX/XX/2019 I was attempting to speak with someone about some fraud on my account and some more-than-basic questions about locking my account. I could not get anyone to address these issues and questions. The automated line did not provide me with any options to speak to anyone or get any more information on my account or questions. Furthermore, the online reporting had errors all through the process and ended up with me blocking my own name, irreversibly without mailing something in. Yes, 2min and one wrong click to block something that can only be unblocked via mail.

After scouring the internet and trying 4 different numbers and all the consumer options, I still could not talk to anyone about the fraudulent activity on my account or my question about how this freeze would effect me. I finally contacted the business line and ( after only 3min on hold ) they gave me an extension not listed in any of the prompts where I sat on hold a while to finally talk to someone ( after 40min of holding ). I am still not sure that my identity is secured due to the lack of help from anyone at this organization.

When dealing with Identity theft, the inability to get in touch with the companies that are enabling ruining my personal reputation truly is unacceptable. Especially when they do not have any issues picking up the phone for business clients. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX For anyone in the general public experiencing the same as I have, From the automated line dial option XXXX
Product: Money transfer, virtual currency, or money service

My Venmo was hacked and an unknown debit card accessed my account. They did an instant transfer to an account associated with XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter and related information about protecting myself against identity theft from a " Lakeview Loan Servicing , LLC '' on about XX/XX/XXXX. Lakeview claimed that it " currently or previously owned the servicing rights to a mortgage loan '' I have or had whereby it " used a third party to provide servicing. '' Lakeview informed that sometime between XX/XX/XXXX and XX/XX/XXXX an " unauthorized person '' had obtained access to its files on file storage servers and may have obtained my name, Social Security number and possibly drivers license, financial account information and/or other information provided in connection with a loan application or loan servicing. 

Lakeview asserted that it had engaged " XXXX, a third party with monitoring expertise, to provide identity monitoring services at no cost '' to me for one year with services including " Credit Monitoring , Fraud Consultation and Identity Theft Restoration. '' It provided an internet address for " krollmonitoring.com ''. 
The only servicer I have and have had since refinancing my mortgage in XXXX is XXXX XXXX, XXXX. with which I communicate only through the US mail. XXXX is not even mentioned and I've never heard from XXXX about this breach of data or threat to theft of my identity. I think this is a " phishing scam '' which should be stopped and shut down.
Product: Credit reporting, credit repair services, or other personal consumer reports

An attempt to fraudulently open a new XXXX XXXX account and make a purchase to XXXX of approximately {$340.00} through my XXXX account was initiated on Sunday, XXXX XXXX, 2017. I received an email from XXXX directly that the attempt was made but the request was denied. I immediately called XXXX to inquire about this attempt because I currently have an existing XXXX XXXX account and made it known that this attempt was not initiated by me and was fraudulent. The request was denied because the initiator could not answer the personal questions related to my person correctly. After discussing with Customer Service, they labelled this attempt as fraudulence and assisted me in changing my account password. I have not received further correspondence from XXXX, but noticed a new hard inquiry on my XXXX account. This inquiry was fraudulent and needs to be removed from my credit report. XXXX  does not allow online investigations with hard inquiries.
Product: Mortgage

Loan Care was horrible to work with. 
Loan Care hired XXXX XXXX XXXX to foreclose on my home at XXXX XXXX XXXX, XXXX, AZ XXXX. 
I had to contact the investor to save my home. 
Loan Care took 3 trial payments before paying off my loan but yet I didn't get a refund or do I know if it was applied toward the principal. 
The loan closed and paid off XX/XX/2021 but yet the loan did not get released until XX/XX/2021. 

Loan Care violated my rights ; I want a refund
Product: Credit card or prepaid card

This bank is not doing their job they still have yet to reimburse me for my claim they are doing whatever they want with my account they are not handling my concerns properly or professionally people like me are still trying to get back in order after these past 2 years of XXXX I need my funds released from this bank sooner then later theres no reason I am being told everyday that its pending then told Im denied but its still pending investigation that doesnt make any sense I want my claim reopened and treated fairly and respectfully and properly this bank should not over see anyones funds at this point this bank has become a major problem in my life I need my XXXX dollar claim approved and I need to be reimbursed for this like they said they would because I need my money now iv faxed them documentation police report number my drivers license as well I want my money out of this Irresponsible bank now not later they take forever just to fix my claim then they approve me for one claim saying it was error on my account then under that same card and account telling me it wasnt no error made make it make sense Im doing their job for them its bad enough they claims department did not dispute all my unauthorized transactions like I asked I found that out this year so they had to go back to last year to fix the account they just paid me out for transactions from last year they system is weak I never seen a bank XXXX its customers over so much Im entitled temporary credits on that claim especially after all the XXXX iv received from this bank so can the cfpb please make sure they release my credits properly and Expeditiously because I have my kids to look after and Im depending on my money to be returned to me Bank of America has made easy for these criminals to steal from their customers Im not liable for this claim I know it and Bank of America knows it to they just like to do whatever they want to people amd their money its not ok this bank is horrible the worst bank on earth they can not be trusted with anyones money at all 2 years of this horse manure is enough and I would like to sue this bank for pain and suffering and bad buisness practice with my personal information
Product: Debt collection

Designed Receivable Solutions XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX RE : Account # XXXX This letter is to inform you that the above referenced account being reporting by your company on my credit reports is hereby disputed for lack of completeness and/or accuracy. I recently disputed this account with the credit reporting bureaus, and the information was reported as accurate. Im sure we both understand that most disputes are often conducted using software, such as XXXX, and that mistakes can be made during that process, because the software can have limitations when it comes to completing a proper investigation of records. 

I am disputing the following information directly with you, the furnisher of information, and I am requesting that you conduct an investigation as outlined in the FCRA Section 623. 
Basis for dispute : I do not recognize this account and am requesting an investigation. 
If youre unable to perform a reasonable investigation, or youre unable to locate the necessary documents to investigate my dispute ( s ) then you are required by the FCRA to remove the negative information from my credit reports, which will also include complete removal of the account. Under the provisions of FCRA 623 ( a ) ( 8 ) ( E ) and 16 CFR 660.4, you have the duty to review all of the information I have provided to you, to complete your investigation of this Direct Dispute within 30 days of my Notice of Direct Dispute, and report directly back to me the results of your investigation within 5 days of the completion of your investigation. 

Should you find the disputed information to be inaccurate or incomplete, or if you can not verify the accuracy or completeness of the disputed information, you are additionally required, under FCRA 623 ( 1 ) ( E ), to also promptly notify the 3 credit reporting agencies ( XXXX, XXXX, XXXX ), of deletion of this information from my credit file. XXXX v XXXX XXXX, XXXX provides a cause of action for individuals against furnishers of information. If you do n't respond with the results of the investigation ( as is required per the FCRA ), I will assume you have no documentation and therefore you were negligent in providing the credit bureaus with accurate information. At this point, you would also be in violation of the FCRA merely for not responding within the 30 day period.To avoid potential legal action and further issues, I hereby request that you remove the account from my credit report. 

Sincerely, XXXX XXXX XXXX/XXXX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent in several disputes in regard to this account. each one has been ignored. The account has been updated several times with no proper investigation. This violates my rights as a consumer. I never gave written or oral consent to this account reporting XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

FTC IDENTITY THEFT REPORT ATTACHED.

All 3 credit bureaus have not removed my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that were severely compromised by XXXX XXXX since XX/XX/2023 after my disputes and XX/XX/2023 legal size envelope with proof mailed to Experian, XXXX XXXX XXXX. 
XXXX XXXX closed XX/XX/2023 both cards and continues to lace false billing line charges to these cards.

37 times false billing line entries is identity theft and FCRA violations.
Product: Credit reporting or other personal consumer reports

PERSONAL STATEMENT CFPB I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Experian has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Money transfer, virtual currency, or money service

I be in jail for 1 years I have recipt more than XXXX $ in total in my business account in cash app from payment for good and services and when I am going to use my account I see no money ovethere and my account closed.
Product: Credit card or prepaid card

A " product/service not as expected '' dispute/claim was opened with Discover ( # XXXX ) for just under {$28.00} against XXXX XXXX XXXX XXXX XXXX on XX/XX/21. To-date, the Hotel has outright refused to acknowledge or discuss the matter with me, both during the stay, as well as in the weeks following. Copies of attempted correspondence, showing where the hotel was reading my messages, but refusing to respond, were submitted as additional documentation -- further proving my claim of poor service / no service from the Hotel. The Hotel allegedly sent Discover documentation both irrelevant to the substance of the dispute, but also that contained no valid signature and apparently some sort of contract with the " signature box '' superimposed over the document. It's my position that I never saw or signed this document. 

Regardless, Discover CLOSED the dispute, and found in favor of the RESPONDENT, never once requiring that the Respondent make a good-faith effort to address my concerns. Discover clearly had knowledge that the dispute was concerning quality of service. Not only does this conduct fly in the face of the cardholder agreement and federal regulations, but IF Discover 's conduct were allowed to stand, it would signal that a consumer has no recourse for not receiving service ordered and paid-for. 


My position and updated claim is as follows : Discover can not make a decision on respondent 's claim because Respondent has not touched substance matter of dispute as filed by me. 

1. Dispute was opened on a transaction involving XXXX XXXX XXXX XXXX XXXX, on the basis of refusal of service entirely. Additional submittals were included, showing where Hotel was actively reading, and ignoring my calls for help. 

2. The Hotel never responded to me, either in person or in writing, during or after my stay. In fact, they did not even respond to Discover until AFTER Discover initially decided in my favor ( as a result of Respondent not doing anything about the dispute ). 

3. Although the Hotel continued to ignore my complaints of not receiving the service/product ordered, it is important to note that their submittal to Discover treats the claim not as a failure to deliver service/product ordered, but claims they are 1 ) not a party to the dispute, and 2 ) fails to address their conduct with regard to failure to service, despite having paid good and valuable money for such service. 

4. Discover erred in closing the dispute, claiming that the dispute was " found to be valid. '' Discover CAN NOT make a decision on Hotel 's submittal as the Hotel has not addressed the substance of the claim : " product/service not delivered as expected. '' Note : it is important to understand that the claim made is/was proper as my claim is directly with the Hotel for their actions and NOT XXXX or any other entity. The {$30.00} charge is the proper avenue to dispute Hotel 's actions as they are the responsible party and the issue at-hand occurred AFTER XXXX  had handed the customer over to Hotel for handling.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no knowledge of doing business with any of these creditors below. Please remove it from my credit report. 

Inquiry from XXXX on XX/XX/2022. 
Inquiry from XXXX on XX/XX/2022. 
Inquiry from XXXX XXXX on XX/XX/2022 XXXX from XXXX XXXX  on XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

I have paid all my debt, accounts that were past due or closed. some were removed but others were n't. i wrote to the credit reporting and sent them copies of the letters I received that shows they were paid but nothing has changed
Product: Credit card or prepaid card

Filed a dispute with Paypal on XXXX hair company. Although all the evidence was sent in to Paypal, as well as XXXX hair company, XXXX decides to side with the hair company by not ensuring my protection as a consumer. My cancelled purchase resulted in a financial loss in the amount of {$630.00}. In spite of all wrongdoing, as well as consumer abuse by XXXX hair company, Paypal prolonged the dispute time to where the time was also exhausted to complain with my credit union of whom my payment to Paypal was paid through.
Product: Credit reporting or other personal consumer reports

I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.
Product: Credit reporting or other personal consumer reports

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15
U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report. 

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!
Product: Debt collection

This Debt does not belong to me but my Father in Law who already passed away, so please have this Debt removed from my Credit ASAP - thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

accordance with the fair credit reporting act XXXX account # XXXX /account # XXXX, has violated my rights. 


15 u.s.c 1681 section 602 A .states i have right to privacy 15 U.S.C 1681 section 604 A section 2 : its also states a consumer reporting agency can not furnish a account without my written instructions