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

XX/XX/23 Opened a Robinhood account and transferred funds to account. 
XX/XX/23 Bought {$100.00} of XXXX and transferred it to my trading platform without any issues. 
XX/XX/23 Added additional funds to Robinhood account since test purchase and transfer were completed. 
XX/XX/23 Bought additional XXXX. Attempted to transfer XXXX to external wallet. Attempt failed. 
Logged support call to ask why failed. Told account is under review. 
Received follow-up phone call XXXX. Provided additional information that they requested, i.e. selfie picture, drivers license, bank statement. Was verbally told I would hear in XXXX XXXX days. However next time accessed my account saw statement review would be completed in XXXX days. 
XX/XX/23 Logged another support call to check on status as had not heard anything. Provided additional information - another bank statement, answered questions. 
XX/XX/23 Received an email stating they were closing my account saying : " This can occur when : A violation of our Customer Agreement has taken place, or when We exercise the right to terminate your account as disclosed in our terms and conditions. 
Our team will finish any outstanding work related to your account. Such as : Notifying you of how and when eligible funds are available for your withdrawal. 
o This occurs when our account review is complete. 
Please note, this decision is final. Any funds that continue to arrive into your XXXX account ( XXXX ) will automatically be rejected. Any new applications received from you will also be closed. '' XX/XX/23 sent reply email asking " how long before I will have my funds returned to me? As of XX/XX/23 had not heard anything from XXXX. 

Attempted to withdraw my cash currency and found out could not withdraw my cash. Message on app only talked about could not send/transfer cryptocurrencies. 

XX/XX/23 Sold XXXX purchased so all fund in cash format. 

XX/XX/23 Logged a support call requesting a return call about getting my cash back. Support request was entered into queue and I could see I was XXXX in line for return call. When it was to be my turn based on count down of place in line, the message dropped and I did NOT receive any call. 

XX/XX/23 Later received an email from Robinhood stating : " We appreciate your support as a customer of our platform. However, after careful consideration, we have made the decision to terminate your account ( XXXX ) effective immediately. 

The reason for this decision is due to your repeated participation in scam related activities which have significantly compromised the security of your account and the experience we aim to provide to our community. '' My response is how is trying to get my assets returned to me scam related activities? 

Also stated " Our team will follow up with instructions on how you can withdraw any additional funds remaining in your account. '' This is same statement as XX/XX/23 and I have not heard a word from Robinhood. It is not acceptable for the company to hold the funds that were transferred to Robinhood from my bank accounts.
Product: Debt collection

Portfolio Recovery Associates, LLC has reported a collection on my credit profiled that has not been verified with sufficient information. I've requested a copy of the signed contract showing that I was informed of my right to dispute the initial filing and the signed contract showing that I authorized and agreed to conduct business with them to begin with. They failed to provide me with any documentation showing an agreement of our business or a copy of my photo ID or social security number. In addition to this, I have requested that they provide me proof that they're licensed to conduct business with me in my home state of Florida. They've been notified on the following dates : XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 None of these requests were met with sufficient verification, yet Portfolio Recovery Associates, LLC has refused to remove this collection filing from my report. Instead they have repeatedly harassed me by calling from an abundance of phone numbers, many calls happened late in the evening at XXXX. I have received calls from the following numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian should not be reporting a collection/chargeoff in the amount of {$900.00} on the XXXX XXXX XXXX partial account number ****XXXX. ( Please see page attached from my credit report as well as a copy of my Drivers License and SSN card for identification purposes to continue to investigate this complaint. ) This account has been paid. I have attached a copy of the payment letter. This false reporting of a collection/chargeoff is seriously harming my credit score. It is a violation of the Fair Credit Reporting Act to no report accurate information on a credit report. I have contacted the bureau to remove this however, I have not been successful.
Product: Mortgage

My automatic payment submitted by a check from the bank was damaged at the mortage company and they say could not be read. They sent it back to me about a month later, informing me that I had incurred late charges due to my non payment. 

I made repeated calls to them and they agreed to reverse the late charge, yet they did not and further more dinged my credit report by XXXX points. My XXXX score is now XXXX. I have made repeated calls to them and they all say they will reverse the issue, but they don't. 

I have attached a copy of the original check that was returned, along with the letter XXXX XXXX, 2021 almost three weeks after the check was received.

Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX County DA Account # XXXX, XXXXXXXX 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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Mortgage

I am a homeowner that had put my mortgage on forbearance at the start of Covid-19 with LoancareXXXX. Since then, as recent as XX/XX/2021, I received a written letter from Loancare/XXXX  that my forbearance would be active until XX/XX/2021 and that approx 30 days prior to it expiring, I would receive information from LoancareXXXX outlining options and next steps to defer missed payments and/or mortgage forgiveness for the missed payments. As of today, I still have not received any additional details from LoancareXXXX however their customer service team continues to call me multiple times per day threatening to foreclose upon me and remove me from my home and yet they have not provided ANY options to resolve my situation. I am begging that your agency please steps in to help resolve this matter as I can not find a point of contact within Loancare/XXXX ( despite the HOURS I have spent on the phone with them and being placed on hold ) to get this ordeal resolved.
Product: Mortgage

I am writing to request an inquiry into the mortgage servicing of Statebridge Company. My mortgage payment is due on the XXXX of every month. Statebridge prints my statement on the XXXX of every month and then at some point it is mailed to me. Last month, I received my statement in the mail on the XXXX and went to the post office the next morning to personally drop it off. Statebridge assessed me a late charge saying they didn't receive it until the XXXX. I also requested with my payment that Statebridge mail my future statements earlier. Statebridge did not mail my XXXX statement earlier as requested with my payment. Statebridge again dated it the XXXX and again mailed it some time after that. I did not receive my statement until Saturday, XX/XX/XXXX and the next earliest date I could mail my payment would have been Tuesday, XX/XX/XXXX due to the holiday. As such, I was forced to either pay my mortgage online, which incurs a fee charged by Statebridge, incur the cost of overnight delivery, or run the risk of a late fee since the post office can not deliver mail from Virginia to Colorado in a day. My inability to pay my mortgage without incurring a fee is due to Statebridge 's failure to adequately provide my statement in enough time to pay it without incurring additional unnecessary charges. I feel like Statebridge is scamming consumers with online payment fees or late fees because we have no other options when trying to make sure our payment is not late. The extraordinary costs involved with refinancing a mortgage due to a poor mortgage servicing company makes this a difficult situation and not an easy fix unless Statebridge corrects its practices. I called Statebridge on  Saturday, XX/XX/XXXX and left a message to resolve this matter, and to date, nobody has returned my call. I also followed up with another request via email. As of the time of submitting this complaint, Statebridge has not contacted me, nor resolved my concerns. Your help with this complaint is appreciated. Thank you.
Product: Mortgage

We applied for a mortgage with TD Bank after our offer was accepted on a condo in XXXX XXXX, NJ in XXXX. The price of the condo was $ XXXX and we were looking for only a $ XXXX mortgage. The entire process for getting final approval on the mortgage was stressful and inefficient and lasted from XXXX to XXXX 2016. From the beginning we were not given a clear understanding or timeline of the process and steps involved in getting the mortgage. When forms or documents were requested we would rush to provide them. We would then ask what other information would be needed so we could be proactive. We were told that no other info was required from us only to be contact a week or days later with another request which the Bank required immediately. So we would have to drop everything and run to the bank or contact our lawyers or the sellers to get the information required. This happened multiple times over the 3-4 month period and sometimes it would be for information we already provided. We would submit forms, like the SSA form, and be contact by the bank over a week later saying the quality of the scan was not good enough and needed to be re-sent. It took them over a week to look at a form that they requested we submit immediately?? The mortgage was also delayed because since more that XXXX % of the units in the condo were owned by one company we needed special approval. It took over 2 weeks to get this approval because the person at TD who approves these cases was on vacation. There is only one person in all of TD bank who can approve this? The final straw came when we were delayed because TD Bank ended its partnership with the 3rd party who processes the SSA forms and they had no other service they could use. Because they were able to process my husband 's SSA form before the partnership ended but not mine, TD recommended we restart and resubmit the mortgage application process with just my husband 's name on the application. After a few months our lawyers and the sellers were starting to get frustrated that the mortgage was taking so long. Our apartment lease was up XX/XX/XXXX and our landlord wanted a confirm date as to when we would be moving out. When we told TD that we would need to finalize this mortgage soon ( after 3 months of back and forth ) or we would be without a place to live, they suggested we put our stuff into storage and move into a hotel. We live in XXXX and moving into a hotel is not an affordable option. After all this, we were so desperate that we cashed in some of our investments in order to make up the $ XXXX and pay all cash for our condo and never got the mortgage from TD Bank. As a happy and loyal TD customer for over 15 years, I was truly disappointed on how my husband and I were treated. As first time home buyers they tarnished this experienced for us and left us without a mortgage.
Product: Money transfer, virtual currency, or money service

I bought a car on XX/XX/2022, on the very same date the car price dropped by XXXX $ as I have the cashier check the dealer said once the check has been cashed they will mail me a check of XXXX $ but it's been 6 months I haven't got any money from them went to the dealer 4 times every time they will come up with a new excuse and they will make me wait in lobby for hours without any proper response. As I took Auto loan I am paying interest for this XXXX $ dollars and it's been 6 months. 
They keep saying check has been mailed and it has been more than 2 months and I havent received the check no courier such a long time
Product: Money transfer, virtual currency, or money service

I received a letter from Capital one to recover my funds. Capital One denied my claim although the amount of wire was due to Fraud/Scam. CapitalOne fraud department did nothing to recover my scammed funds except request wire recall without any internal investigation of follow up. MY COMPLAINT WAS NOT HANDLED JUSTLY AND APPROPRIATELY. 
I do not think they even followed your own processes. After this event, CapitalOne closed by account. since I was a scammed victim, CapitalOne terminated my banking relationship with them. There was no resolution with this situation. I am very disappointed this was not resolved. CapitalOne only responded only after I filed a complaint number XXXX. I believe, had CapitalOne was vigilant in their Fraud department, I may have recovered some of my money. Losing {$20000.00} to a scammer is no laughing matter. CapitalOne denied my claim for reimbursement and closed my case without any resolution nor communication prior to closing my case. I sent the fraud department my evidence which they did not even reviewed. In addition, CapitalOne failed in following up with XXXX XXXX  to reclaim my funds.
Product: Credit card or prepaid card

I live an apartment building. I have XXXX credit cards opened in my name. Discover bank, XXXX  XXXX XXXX  and XXXX  XXXX XXXX. I have asked these XXXX companies to verify in writing as to whom authorized them to open these accounts and they keep sending bills instead of some form of signature of mine. I want to delete these accounts from any credit bureau they sent them too if they cant not verify this. Also i also XXXX XXXX ( debt collector ) to belfry information as well and they keep ignoring me
Product: Credit card or prepaid card

XXXX XXXX XXXX, AMEX Bluebird ELDER FINANCIAL ABUSE- FINANCIAL EXPLOITATION- Grand Theft REF : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX XX/XX/XXXX Your Account is Locked ELDER FINANCIAL ABUSE : FINANCIAL EXPLOITATION XXXX XXXX XXXX XXXX, XXXX  XXXX American Female, Card ending in XXXX. Amex Delay Dirty Tricks most common delaying tactics is by avoiding service and hold hostage finance over {$1000.00} ( Elderly Grand Theft Abuse ) THAT HAS NOTHING TO DO WITH disputed {$85.00} XXXX XXXX XXXX  FRAUD/SCAM ( XXXX XXXX Files Consumer Fraud Lawsuit Against XXXX XXXX XXXX ) CFPB Complaint filed # XXXX has been file for suspending the account and a legitimate XXXX XXXX XXXX  {$85.00} FRAUD transaction. THIS COMPLAINT IS ELDER FINANCIAL ABUSE- FINANCIAL EXPLOITATION. Since XX/XX/XXXX, I have appeal to XXXX and XXXX, I even call AND MAIL SENT COMPLAINT TO XXXX XXXX NY corporate office- AS OF TODAY ALMOST 10 DAYS LATER-NOTHING! the rude response of " delay '' continues. This is MY MONEY AND I HAVE Medical Bills to take care of as well as prescription. This IS UNDUE HARDSHIP. If the account is suspended and today " LOCK '' - the balance is MORE THAN {$85.00}! So, Bluebird by American Express has garnished the remainder BALANCE amount over {$1000.00} - GRAND THEFT - IN NEVADA THAT'S DOUBLE THE PENALTY FOR CRIMES AGAINST THOSE OVER XXXX OF AGE! I will indeed file a complaint with Nevada Attorney General XXXX XXXX. Nevada values their Older Americans- NOT BLUEBIRD BY AMERICAN EXPRESS aka XXXX aka undercover boss XXXX It DOES NOT TAKE OVER 7 DAYS TO REFUND A PERSON MONEY DUE - if AMEX Bluebird want to keep the {$85.00} until investigation completed -SO BE IT- BUT THE OVER OVER {$1000.00} GRAND THEFT HAS BEEN STOLEN AND NO SIGN OF REFUNDING THE AMOUNT! It just a prepaid debit card - dime a dozen. I had this debit card for at least 8 years plus- RUDE CUSTOMER SERVICE IS NOT A CRIME BUT FALSE ADVERTISEMENT-GRAND THEFT XXXX XXXX XXXX XXXX XXXX XXXX XXXX IS A CRIME! Ask Attorney General XXXX XXXX XXXX. See Attachment of delay investigation and DELAY GIVING ME MONEY THAT BELONGS TO ME emails from XXXX XXXX, American Express Executive Assistant XXXX. NO EXCUSE EXCEPT BLUEBIRD BY AMERICAN EXPRESS THINK THEY ( XXXX XXXX XXXX ) ARE ABOVE THE LAW CFPB, Federal Trade Commission, Attorney Generals ( NV, NY ), XXXX and XXXX Fraud Hotline! True Elderly Hate Crimes!
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX is reporting and inaccurate bankruptcy on my credit report. XXXX just recently removed it. 

I have attached a letter on company letter from the courthouse address in which both bureaus sent me an updated report on, the courthouse would be the valid furnisher. Both Equifax and XXXX failed to validate the unverified and inaccurate bankruptcy in compliance to Fair Credit Reporting Act 601 a ( 2 ). Both bureaus have XXXX XXXX and XXXX and verification methods, but The Fair Credit Reporting Act mentions nothing in section 1681c relating to bankruptcy about dismissals or filings. The Law clearly states date of adjudication or date of order for relief. You have no right to maintain information which the government has deemed as non-existent. I am exercising my rights in accordance with section 1681 ( a ) ( 5 ) of the Fair Credit Reporting Act that you delete this from my credit report and send me an updated copy.
Product: Credit reporting

My address is incorrect it should beXXXX XXXX, wa XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I financed a XXXX XXXX XXXX XXXX through XXXX XXXX XXXX In XX/XX/XXXX, my car was wrecked. After my car was being repaired, I was waiting for rental car reimbursement from insurance company ; the repair shop placed a mechanic lien on the vehicle. During the time, I was waiting for reimbursement from insurance company, I was still making payments to XXXX XXXX XXXX so I did not think it was an issue. Once I received reimbursement check I went to pick up my car & was told it was picked up by dealership after mechanic lien. I called XXXX XXXX XXXX to get my car and pay for repair expense, I spoke with someone named XXXX, & was told that he did n't know exactly where my car was because it was on it 's way to an auction ; he would try to locate it & call me back. I never heard anything from anyone @ XXXX XXXX XXXX ever again. I never received anything in the mail via USPS regular mail nor certified letter notifying me of anything such as a deficiency balance letter, Notice of Sale & Right to Redeem, Reinstate Information for Repossession Agency, Notice of Seizure/Inventory List Vehicle Condition Report Proceeds or Sale documentation. Initially it was listed as a repossession on my XXXX credit report, after I disputed the information it was changed to a charge off with a balance of {$15000.00}. XXXX and Experian are still reporting repossession. I have requested validation through all 3 credit bureaus without resolve.
Product: Credit reporting or other personal consumer reports

I am a college student I only try sticking with an minimum of accounts on my credit history. Somehow, I noticed that there was fraudulent accounts reporting on my credit. I am not aware of these accounts it unfair to see someone be able to have access to my report. Please erase these accounts from my report for they are fraudulent and doens't belongs to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX I sent a dispute to your company stating that your company is reporting and has been reporting inaccurate information on my credit report. I was never notified of any investigation status starting nor do i have any results from that investigation. This is the dispute I sent : " I recently obtained a copy of my credit report from your service and have found the date of last activity is inconsistent and inaccurate across XXXX, Transunion and XXXX for the account : XXXX XXXX Account # XXXX According to 15 usc 1681s-2 of the Fair Credit Reporting Act, it is the job of the furnisher to make sure that all information reported is reporting to 100 % accuracy. How can this information be accurate if all 3 Credit reporting agencies are reporting 3 different dates of last activity for this account. Transunion is reporting a date of last activity of : XX/XX/XXXX, XXXX is reporting : XX/XX/XXXX, and XXXX  is reporting : XX/XX/XXXX. If all three bureaus are reporting different information, which bureau has the right information? This account can not be accurate which means that the furnisher has decided to disobey the FCRA and report information that they know is not accurate. This account was in fact deleted from XXXX because of its inaccurate reporting. Now Because of the explicit disobedience of the furnisher and your neglect to make sure that the information was indeed correct and verifiable, I as the consumer am demanding this account be removed and deleted because of its inaccurate reporting. 
In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information. 
Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for your re-investigation of this item. '' Remove this item because you have broken federal law and have been reporting inaccurate information, in this case different date of last activity on my report than other bureaus.
Product: Debt collection

To whom it may concern, I am writing to delete the following information in my file : CREDIT COLLECTION SVCS XXXX My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. This unfortunate situation affected my credit status which leads to credit denials and higher interest rates.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my updated personal credit report and I noticed that there are unauthorized credit inquiries reporting on my personal credit report. I contacted the company and asked them to remove their credit inquiries from my credit profile. I request that XXXX, Equifax and XXXX credit bureaus initiate an investigation into the following inquiries listed on my credit report to determine who authorized these inquiries. If, once their investigation is complete, find my allegation to be true, please remove these unauthorized inquiries as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

After applying and getting pre-approved, Chase refused to provide an official loan estimate Sunday XX/XX/XXXX.