23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off a debt with XXXX XXXX XXXX XXXX XXXX and they updated my credit to reflect that so on XX/XX/XXXX my score went up XXXX. XXXX XXXX XXXX XXXX XXXX XXXX put the wrong information on my report by changing the loan type from Unsecured to Automobile. I had to call them and they sent updated information to Transunion to correct the issue. When they did that Transunion reran my credit report and dropped my score by XXXX on XX/XX/XXXX. I called Transunion and the said I needed to dispute it to correct the issue, I couldn't at the time as I was applying for a mortgage. I disputed the issue with Transunion at the beginning of XXXX and they corrected my score by raising it XXXX on XX/XX/XXXX. However on XX/XX/XXXX they dropped my score again by XXXX and closed the dispute saying they found no issues. I opened another dispute for the same thing after calling and talking to them about it. This latest dispute is over 30 days bow and it is now missing from their website.
Product: Credit card

I had a line of credit with this company and went to close the account about XXXX months ago at the branch I applied for the credit at. I had a balance of about {$5.00} at the time due to a previous bank error with a different bank. I wanted to pay the deficient balance but wass told not to worry about it. I was told they would wave this fee and that my account would be closed. Today I received a letter in the mail advising me my account was over XXXX days past due. I called the XXXX number listed and was informed that the local branches can not close the account and that there was no attempt to credit my account the deficient balance as previously stated. I was not informed of this at the branch I went to. I did not even receive any phone calls or any other letters at any point to inform me my account was approaching XXXX days past due.
Product: Checking or savings account

XX/XX/XXXX Robinhood Markets Account # : XXXX Dear CFPB, I am writing you in regards to a severe issue I had with Robinhood Markets, Inc. I previously used Robinhood markets in the past and had an account set up. However, over the past year or so, there has been severe fraudulent activity on my account in which Robinhood was aware of, yet took no action in regards to help me. All Robinhood did was place a lock on the account, temporarily. I asked for someone to contact me, and no one ever did.

The fraudulent activity came in waves. I did not authorize multiple transactions on their platform such as purchasing cryptocurrency or the XXXX stock. I have had severe identity theft in the past and have even provided both police reports to Robinhood, to no avail. I asked Robinhood to investigate this on my behalf, and to check the IP addresses and so forth. They claim to have insurance protection of up to {$1.00} million, yet, they have not reimbursed me at all nor cared to help in regards to this matter. 

Furthermore, I am XXXX XXXX military and Robinhood Markets , Inc. is under severe violation of federal military benefits such as the Servicemembers Civil Relief Act in which property can not be sold while on military XXXX. On deployments, which can range from one month to over six months, I typically have no access to the internet or phone calls. That being said, I also do not receive mail until I return back home to the states. While I was gone in XXXX on XXXX, I came home to find out that Robinhood, Markets Inc had SOLD OFF my ENTIRE LIFE SAVINGS on their platform. I started investing with them as a college student in XXXX and have not put any money into their platform since then. I moved many of my stocks over to their account and Robinhood claims that I purchased Gold their platform which is essentially like a loan to invest. 

I NEVER authorized purchasing Gold to begin with. However, they said that my account was within the margins which is why they SOLD ALL MY LIFE SAVINGS and stocks while I was on XXXX. That is incredibly illegal! I came back home crying to find my life savings that I worked for all GONE no notice to me or anything they just decided to sell everything. Essentially I got a reply from customer service stating too bad sorry. 

Prior to this XXXX too I had enough of Robinhood and was going to file a lawsuit, and asked them to move my stocks immediately to a different broker at XXXX XXXX. I did everything XXXX   and Robinhood asked, and I have the emails stating that I could move the accounts by a representative at Robinhood, and then I came back from XXXX to find emails saying Robinhood prevented the merge AND the fact that they drained my entire account! 

I filed a lawsuit last month in small claims court for {$10000.00} I am considering filing a bigger one in civil court and possibly a class action lawsuit against this company as this has happened to other people as well. Robinhood is in severe violation of the law, the SEC and SCRA benefits and I am asking you to investigate this company please and prevent them from ruining other peoples lives. 

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

I noticed that the Credit Bureaus are not reporting the same information on my credit report among each other, which means its incorrect. XXXX and XXXX are reporting my XXXX student loan as late when it should be as what Experian is reporting which is current. This has caused me a lot of stress trying to fix this situation. They must hold the agencies that they collect information from to the law, and furnish only the correct information under the FCRA 623 ( a ) ( 2 ) ( B ).
Product: Money transfer, virtual currency, or money service

Paypal has limited my account for 180 days without any good reason holding all my money frozen. After the period they still refuse to send my money. Paypal first limited my account saying that they need more infos to verify my account, I have sent all the infos to them including tracking numbers of all orders. After their review they decided to limit my account for 180 days holding all my money ( which is around XXXX British pounds! ) I couldn't neither accept or withdraw my money from my account, basically they have broken my business I have long worked for! I have tried to contact them many times regarding this issue but their robotic answer is always the same. I had advertising money that I needed to pay plus my supplier invoices to pay, once they froze my account, I couldn't continue running my business and even I had to borrow money from family/friends to pay my bills! The problem doesn't end here! 180 days have already passed and I got a message from them saying that they let me withdraw XXXX pounds from my Paypal account and they will still held the remaining amount for some time. I have tried to withdraw my XXXX pounds but they wouldn't let me! At first I thought there was some problem with my bank account, so I have tried to add my credit card and my other bank account but they wouldn't let me! After waiting all this time and they still refuse to let me add my bank account in order to withdraw my money!! This is clearly a scam! I have tried again to contact their support in order just to let me add my bank account but again they reply with a standard robotic message saying that the decision of limiting my account is final. Nothing related to what I sent which is basically the problem I am getting when I try to add my bank account! They not only shut down my business but after all this time they still refuse to let go of my hard earned money!
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was called by Citi bank yesterday letting me know that the information on my auto draft was incorrect and that my payment for XX/XX/2020 was returned, resulting in a 45 day late fee in which they admitted was an error on their part but never contacted me to correct until XX/XX/20 on which all was fixed and paid up with a late charge refund. 
I would appreciate this being taking off each of my credit reporting agencies.
Product: Student loan

I am applying for the Public Service Loan Forgiveness ( PSLF ) program for my XXXXXXXX loans ( at Mohela ) and submitted my final PSLF Employment Certification Form ( ECF ) on XX/XX/XXXX, which covered my employment ( at my current employer ) from XX/XX/XXXX to XX/XX/XXXX. The form was finally processed by Mohela on XX/XX/XXXX, however the monthly counts by Mohela were only updated to XXXX ( it should have been 120 months, which is the amount required for loan forgiveness ). The month that was not counted ( listed as " Employment not certified '' ) was XXXX of XXXX, which should have been certified by the last ECF form submitted. I called Mohela on XX/XX/XXXX about the error and was told that in order for 10/2022 to count they would need an additional employer verification with resubmittal of a new ECF form. I was told the new form would take at least 60 days ( even though I just waited 60+ days for my last ECF ). Despite me asking to speak directly with a supervisor, I was never allowed to do so.

As a result of this error, I will now need to continue paying loan payments despite the fact that I have reached XXXX payments and therefore my loans should be in the process of being forgiven.
Product: Mortgage

OCWEN IS ILLEGALLY DUAL TRACKING US We are in the middle of trying to get a Home Loan Modification with Ocwen ( Exhibit B/Mod Package ). 
Our loan modification package is due today and was sent in today, XXXX/XXXX/16. Our 'new ' relationship manager has us scheduled for a phone call XXXX/XXXX/16 to discuss the modification and is aware our XX/XX/XXXX bank statement will not be available until XXXX. We were assured the XX/XX/XXXX date will not affect us being reviewed for a modification - the date would be extended and NO other action will be taken until after the XX/XX/XXXX review. 
HOWEVER - we just got a notice DATED XXXX XXXX from Ocwen saying we are in FORECLOSURE!!! ( Exhibit A/letter saying we are in foreclosure ) THIS is ILLEGAL! THIS IS DUAL-TRACKING! 
I can not even begin to tell you how XXXX the XXXX XXXX notice We JUST RECEIVED is. 
Our hardship ( laid off and having a XXXX ) is being made worse with this threat of foreclosure.
Product: Credit reporting or other personal consumer reports

THIS IS A NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY COMPENSATION UNDER FCRA 15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability.

I have been trying to resolve this matter for some time with your agency, and the corporations and debt collectors you allowed to fraudulently place inaccurate items on my credit report without permissible purpose, along with violating many other rights I am able to enforce as a natural person. Moreover, you continued to report items that are not 100 % accurate ( the most important job as a credit reporting agency ) as well as without my permission. I have had to forcefully study to find out the numerous ways that I have been violated, but my perspicacity and indefatigability assisted me to this very moment.
Product: Credit card or prepaid card

I have requested the information reported either be removed, or that Chase Bank show me where I personally requested, authorized, approved or signed for this credit card. I even had my attorney contact them personally and they can not or will not show me this information. Their only response is " we have looked into this matter and conclude it is accurate ''. I did not request or authorize this credit card.
Product: Payday loan, title loan, or personal loan

I was approved for this account on XXXX with a XXXX credit line. I have maintained this account without delay or default since it was opened. There is a stellar payment history with Upgrade, but yet 30 days ago, I recieved an email stating that Upgrade was decreasing my credit line from XXXX to only what was owed on the account to XXXX, which is now the new current credit line. To add insult to injury, my finance rate was changed from 17.99 % to 20.99 %. All I recieved was a letter saying that I had a XXXX on my credit and that is the reason for the decrease. The XXXX  was on the account when it was opened. The XXXX  was discharged in XXXX. Baffeled and confused, I reached out to Upgrade for answers and the representative was sensitive to my complaint, but could not offer any resolve except that my complaint would be escalated and someone would be contacting me.Needless to say, I have not been contacted as of today. I just dont understand, why Upgrade is puilling my credit when I did not apply for anything. And even so, why isnt it to see if I deserve an increase because of the perfect history. I have never ever had this happen to me as long as I have been a consumer using credit cards and line of credit. I have come along way since XXXX. I have a great well paying career, bought a new construction home and as of XXXX, a business owner. Im the type of customer that you want to have. I really would like some intervention on getting the resolve that I could not get on my own. Im only looking for fairness, not an excuse for faulty policy..
Product: Mortgage

I am having an ongoing issue with ditech, just checked my bank statements from 2015 ditech never sent a check in the amount of XXXX, it was actually XXXX. I am tired of the run around from this company. I will now be sending a complaint to HUD. Even from their own statements you can tell they are ripping us off with the escrow. This is not a new loan. I will be attending a forum Wednesday hosted by the nonprofit business alliance for a sound economy. In attendance will be Senator XXXX XXXX, Rep. XXXX XXXX, Rep. XXXX XXXX and Rep. XXXX XXXX. At that time I will be showing all taxes statements from ditech along with the emails they have sent me.As you can probably tell they will be discussing homeowners issues. If I was ditech I would have a representative there.I will not stop until they give me my money that is owed that they stole from us through escrow.In North Carolina it is against the law to fudge tax statements.And XXXX XXXX the paralegal from ditech needs to go back to school and learn how to do an escrow. As does most of the people that I talked to from ditech.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX tried to have a credit item removed that was re-aged by XXXX XXXX XXXX XXXX. I showed proof that XXXX had cut off approximately seven-years of payment history. The fact that I modified the original loan does not lock out the pre-existing payment history. The Federal Trade Commission has through several mandates to stop credit bureau subscribers such as XXXX XXXX XXXX XXXX XXXX from re-aging of credit trade lines. The facts are as follows : Original mortgage taken from XXXX XXXX XXXX XXXX XXXX with account # XXXX Original mortgage transferred for servicing XXXX XXXX with same account number Loan transferred to XXXX XXXX XXXX XXXX XXXX XXXX with same account number Loan modified XXXX XXXX, and a new account number was assigned # XXXX Loan continuation of payment history must be applied to loan number XXXX from loan number XXXX The fact that XXXX XXXX XXXX XXXX has XXXX XXXX XXXX XXXX of payment history on the new account number is a re-aging process where the trade line timeline is illegally XXXX should have been XXXX XXXX, as the original first late payment shows on file number XXXX XXXX XXXX. 
I request a full and complete reinvestigation by Experian on this matter, as XXXX XXXX XXXX, XXXX has avoided the subscriber agreement with a credit reporting agency. Therefore, since the complaint against XXXX was not rectified, I must file an FCRA violation complaint to remedy the matter. 
The XXXX XXXX XXXX, XXXX account # XXXX must be deleted permanently!!!
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( block , INC ) due too the bad customer service and unfair practices which violate the customer financial protection Act ( CFPA ) specifically that cash app timely an effective measure to prevent an address fraud on they platform leaving my account vulnerable and unprotected furthermore their dispute resolution process what's unfair and deceptive as they not comply with error relation requirements under the electronic fun Transfer Act ( EFTA ) and regulation E these actions has caused significant inconvenience and financial loss and I seek appropriate redress for this violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT : XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX  XX/XX/2021 XXXX XX/XX/2021
Product: Money transfer, virtual currency, or money service

Sir/Madam, ( Facts ) In XXXX I had transaction with Sendwave, a money transfer company. I noticed debit in my account and mistook it to suspicious activity. I reported the transaction to my bank- ( XXXX XXXX  ). My bank acting on the report, reversed the transaction and two other transactions, {$600.00}, {$600.00} and {$300.00}, from same company.

The reversal of the three transactions made me look critically to my account. After careful look at the transactions, I realized it was a legit transactions between me and Sendwave. On knowing this face, I quickly called my bank and notified them that the transactions were legit. My bank promised to rectify it quickly. 

I followed it up, I called my bank to confirm confirmed they have credited Sendwave for the three transactions mistakenly reversed. The bank further informed to me they reversed the transaction to Sendwave on XX/XX/XXXX and that it would take about one month to reflect on their account.

Meanwhile by then Sendwave had blocked my account with them. Between XXXX - XX/XX/XXXX, I called Sendwave office about three times to confirm if they have received the credits and to unblock my account. In each of those calls, they continued to insist I am owing them the sum of {$1500.00}. When I called their office on XX/XX/XXXX, I was told the same story, that I am indebted to them in the same amount. 

I approached my bank on XX/XX/XXXX to know if the money in question is stuck in their system. My bank positively averred and confirmed to me, they have been actually credited the said amount sometime in XX/XX/XXXX. The bank directed they check their ledger between XX/XX/XXXX - XX/XX/XXXX. 

I called Sendwave XX/XX/XXXX and gave them the information from my bank and they said they will review it within three days and report back to me. They never did.

To support my statement and my bank, I attached my bank account statement page that shows the date the three separate amounts were reversed. 

Thanks
Product: Debt collection

I came across this bill on my credit report from XXXX XXXX. I have never lived in the state where the bill was created. I told the company that the bill is not mine and they told me to get a police report. I tried to get one, but the police station near me told me that they do not give police report for such a thing. I am stumped do n't know what to do next. How else can I get such a bill off of my credit report?
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report. Please find the ATTACHED documents to assist in blocking the erroneous items which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, VA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NC XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX, VA XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$300.00} XXXX XXXX XXXX  Balance Owed : {$1300.00} XXXX XXXX  XXXX Balance Owed : {$810.00} XXXX XXXX XXXXXXXX Balance Owed : {$1200.00} XXXX XXXXXXXX XXXX XXXX Balance Owed : {$65.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$280.00} XXXX XXXXXXXX XXXX XXXX Balance Owed : {$540.00} XXXX XXXXXXXX XXXX Owed : {$440.00} XXXX XXXX XXXXXXXX Balance Owed : {$29000.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal identity information was stolen in several breaches from companies I had business with, my employer, as well as from the Equifax XXXX XXXX and its affiliates. These breaches occurred from XXXX through XX/XX/XXXX. I also learned that my identity information had been shared on the XXXX XXXX  Market as a result of these breaches. These breaches have resulted in persons unknown to me and without my consent attempting to obtain credit cards, car loans and in some instances personal loans in my name, damaging my credit profile with unauthorized Hard Inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$17000.00} ; DEPT OF ED/XXXX XXXXXXXX Balance : {$930.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$1000.00} ; XXXX XXXX Balance : {$290.00} ; DEPT OF ED/XXXX XXXXXXXX XXXX : {$450.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I logged in to look at my credit and saw that there was a collection account. Not only have I never had XXXX XXXX in my name but I never got anything in the mail about this account to give me a chance to dispute it. This is a violation of the FCRA.