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

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to 3 Credit Bureaus was XX/XX/2022 but no response was ever received from them to date.Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : XXXX : XXXX XXXX Balance {$0.00} XXXX  XXXX Balance {$400.00} Equifax : XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$360.00} XXXX : XXXX XXXX XXXX {$0.00} XXXX  XXXX Balance {$400.00}
Product: Debt collection

I have received numerous invoices from PayPal Credit that I am not familiar with. PayPal Credit, XXXX Bank keeps sending me invoices with interest accrued. I called PayPal XXXX Bank on XX/XX/2023 to get some answers. XXXX talked to me, PayPal could not produce any itemized invoices for merchandise I purchased. I was referred to XXXX at the PayPal XXXX Bank fraud department and was told this investigation would take at least 60 days. I mentioned to XXXX in the fraud department that I am currently in the process of buying a new home and this severely affects this process. Nothing she could do. Then the line went dead. 
Fraud Department Ref. # is XXXX, ph. # ( XXXX ) XXXX. I just called this number this morning and was on hold for 30 minutes and hung up.

Also, this morning, I received an email from PayPal describing a {$640.00} transaction charged to me. I have absolutely no idea what this charge is for. And on the PayPal email, a disclaimer on top reads : This may be a scam. 
Can you please try to remedy this as soon as possible so we can proceed with the home purchase and not loose the lot and home we decided on with XXXX XXXX here in XXXX California. 
Thank you XXXX XXXX
Product: Debt collection

Numerous emails from TRUE ACCORD a collection agency with credit merchant XXXX. 
I receive emails every two days with different amount ( s ) in the email. 
The XXXX account is closed. 
TRUE ACCORD will not let me correspondence with XXXX nor let me see an accurate balance owed to the merchant. 
The harassment of emails need to stop.
Product: Debt collection

In XX/XX/2015 I had contacted XXXX XXXX XXXX in regards to XXXX medical collection. It was agreed that if the debt was paid in full it would be deleted from my credit report. I have tried contacting them with no resolution. The original debt was for {$120.00} and is paid in full and listed as closed on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Monday XX/XX/ via us mail I received a " Notice of Data Breach '' from XXXX XXXX they allowed my personal information to be breached and now will be a part of a class action lawsuit as they deserve! However in their letter XXXX XXXX offers me one year of Experian " XXXX XXXX '' free of charge paid for by them but when I attempted to enroll with Experian " XXXX XXXX " they said they can not verify me? And refuse thus far to enroll and take advantage of this free identity theft protection paid for by XXXX XXXX for their failure to protect my personal identifiable information XXXX XXXX should be ashamed and Experian should immediately permit me access to said protection.
Product: Credit reporting, credit repair services, or other personal consumer reports

My report is not reflecting the correctly that I have paid down my consumer debt on credit cards to 36 %. XXXX has reflected that in their report and given me XXXX. XXXX XXXX and Experian are lagging and under reporting my score.
Product: Mortgage

On XX/XX/XXXX, I received notification that Dovenmuehle Mortgage, as the servicer for my mortgage with XXXX, had performed an escrow analysis on my home. Contained within the analysis were some factual discrepancies. My home is in two counties. One of those counties ( County 1 ) has a property tax of {$4500.00} and the other ( XXXX ) only covers a small strip of land in my backyard is {$290.00}. The XX/XX/XXXX escrow analysis showed County 2 tax as {$2400.00}. This error created a projected shortage and, consequently a {$600.00} increase in my escrow payments per month beginning with the XX/XX/XXXX payment. 

Note : This same company was my servicer last year for my mortgage held by another lender. They failed to pay taxes in County 2 AND they shorted County 1. I received a notice of lien from County 1 before I could persuade Dovenmuehle to pay the back taxes. I ended up paying the County 2 taxes myself. 

In any case, when I saw this escrow analysis, I immediately contacted the servicer on XX/XX/XXXX. I provided all the required documentation from the County to amid the escrow analysis including : the current year bill and the XXXX Notice of Taxes. I was assured the escrow would be completed promptly and that the new analysis would be completed within 14 business days. I have called every week since that 14 days expired and have been told it would be completed by the end of the week. My file has been " escalated '' five or 6 times ( their language ) to no avail. This week, as I prepared to pay my mortgage payment, I was, once again, told it would be next week and then 45 days later before anything would change. 

I have read a bit on the laws associated with escrow complaints to loan servicers and found that they have failed to comply with any of the laws protecting my relationship with them. For example, they have never acknowledged that I filed the appropriate complaint as is required by law for them to do, in writing, within 7 business days of my complaint. Secondly, they have failed to resolve this complaint within 30 business days as is also required by law - as I understand it. 

Please assist me with ensuring the company uphold the standards set for them and protects my interest in this property.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed a credit card account from XXXX XXXX XXXXXXXX on my credit report with an address that I do not now nor have ever lived at. I filed a complaint with Experian report number XXXX on XX/XX/2022XXXX XXXX XXXX XXXXXXXX response was that they were reporting accurate information, which is absurd since the address on the account is in Massachusetts and I live in Ohio. I filed another complaint through Experian report XXXX XXXX on XX/XX/2022 and received the same result. On XX/XX/2022, I called XXXX XXXX XXXXXXXX directly and after being on hold for an inordinate amount of time, spoke to a representative who had no clue how to resolve this and ultimately cut me off the phone line. I did not open this account and I have never lived in Massachusetts and there is no reason that this account remains on my credit report other than the incompetence of XXXX XXXX XXXXXXXX. I would appreciate any assistance you can give me
Product: Checking or savings account

My name is XXXX XXXX and I signed up wise to receive payments but unfortunately this company frozen my funds in my Wise account without any explanation as to why they would not give it to me. 

My email with wise is XXXX This company called Wise is a very fraudulent company because they have blocked thousands of customers accounts and purposely hold their funds. 

After a lot of appeal, I logged into my account through the appeal website and saw that wise has asked for details of my bank for a refund of the balance on my wise account and I provided my USD bank details on Monday XXXX XXXX, 2023. 

I need wise to issue a refund to my XXXX bank details and to apologise to me for holding my funds for so long. 

My Bank details I submitted to wise is Routing number : XXXX Account Number : XXXX I also need a receipt of payment to he sent to their response to this complaint after the funds have been sent Again, the email associated with my wise account is XXXX XXXX
Product: Debt collection

I was going over my credit report I noticed an from AR RESOURCES BAL {$1800.00} I have never had an account or contract for service with You must provide historical data regarding all consumer materials reported to any credit reporting agencies for my name XXXX XXXX. Since serious problems may be present in those files, I am compelled to demand that your company send all validation materials promptly. Moreover please attest that any third-party collection agency, if engaged, is bonded to collect in my state of residence due to unfortunate financial events related to my having been a victim of fraud. This is not a request for a non detailed overview. Instead, I am calling for a full verification. 
If this documentation can not be provided within 30 days, any detail sent by your company to the credit bureaus should be regarded as unreliable and may evidence a disregard for the Fair Debt Collection Practices Act or other applicable statutes. In that case, annul such consumer information without delay. Thanks sincerely for AR RESOURCES diligent examination of this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Investigation Request Letter To whom it may concern : I received a copy of my credit report with intention of trying to improve my credit and take care of my responsibilities and notice a few accounts that I wanted a little more explanation on. I am not saying that they are reporting right or wrong.I am just saying that I am not 100 percent sure if they are.I also read something the fair Reporting credit report Act where it said by law I had the right to challenge anything i am not sure is accurate.some of people reporting things on me.I have never heard of which made me write to you all Are you familiar with something called 15 U.S.C. Sec.1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted.well, I want these accounts deleted if they are not 100 percent right and correct.so, could you please check on these and get back to me? I saw on a credit Site and Board where this lawyer said you have 30 days to complete this investigation.Please investigate the following accounts and remove them if anything is missing or not correct on them. 
I demand The following accounts be verified or removed immediately In accordance with fair credit Reporting act XXXX  XXXX Bank account # XXXX XXXX  XXXX account # XXXX XXXX XXXX  account # XXXX XXXX  Account # XXXX 15 U.S.C 1681section 602A. 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 account without my written instructions
Product: Credit card or prepaid card

I've been a member of the Navy Federal Credit Union since XXXX. 
On XX/XX/XXXX, I called Navy FCU to see if they could lower my interest rate of 12.94 % on my credit card since I've been consistent each month on my credit card payments. The representative who assisted me was named XXXX. She informed me she did a soft pull of my credit and the system denied my request. She was unable to inform me why stating it could be for several reasons. 
I was told in writing by the credit union that my credit score is XXXX and was thank for my consistent payment history. 
I informed them over the past few years, I've requested to have my rate lowered several times especially since I've taken all of the proper steps to increase my credit score, change my debt to ratio, and by making payments on-time. Why am I keep getting denied? The rep told me the system doesn't give them a reason. 
I emailed the bank several times requesting an appeal and to forward my appeal to the corporate or regional office. Each time a member responds with a vague answer such as you're not eligible at this time. I'm beginning to wonder how many others are treated like this? Is it because of my XXXX  they're refusing to lower my rate?! Do they deny other races that have a credit score of XXXX or higher. What other reasons would it be for consistently denying my case?
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of XX/XX/XXXX, Equifax, XXXX, XXXX has not responded to my dispute. It has been drawn out into the open that Credit Bureaus are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. Please block the noteworthy of any unknown Items in my credit record that came about due to an alleged fraud : XXXX XXXX XXXX XXXXXXXX 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 Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX EQUIFAX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX EQUIFAX XXXX Inquiry Date XX/XX/XXXX EQUIFAX XXXX XXXX Inquiry XXXX XX/XX/XXXX EQUIFAX XXXX XXXX Inquiry XXXX XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX
Product: Mortgage

Applied for a refi to existing home mortgage with LoanDepot in XXXX. 
The loan officer was professional and helpful and gave me a great rate ( 1.85 apr ). 
The loan went to underwriting before XXXX. Once in underwriting communication was poor. I emailed various people listed as my contacts plus I called the help center numerous times. 
A closing date was set but the notary did not show up at my house and LoanDepot did not inform me that the notary would not show up. In late XXXX or early XXXX, LoanDepot sent me a final disclosure statement to review. The statement did not reflect the correct payoff balance with my existing mortgage ( and overstated the loan amount as a result ), having missed the last two payments I had made. 
Finally after several messages from me, they corrected the disclosure statement by keeping the loan amount, term, apr the same as on the previous disclosures, but increasing the cash amount due to borrower. I would have preferred the amount borrowed to have decreased, but the way they did it was mathematically correct, so I told them the disclosure was correct. A notary was sent to my house, numerous documents were signed and we closed on the loan. 
However, three days later I received a new disclosure statement with all amounts the same except the amount due to borrower was significantly reduced. I called LoanDepot to ask how could they change the disclosure statement that was formally signed just three days ago and with incorrect amounts listed. The person I talked to said she was some kind of super person with LoanDepot and she reduced the amount due to borrower because this was not a payout loan, and the statement would be corrected later. 
I said I could not trust LoanDepot to correct this timely. She said it would be corrected by the end of the day. Two days later it was still not corrected. And I told her and the loan officer when he called later, that I could not trust LoanDepot, I did not want to waste anymore time with them and to cancel my loan application.
Product: Prepaid card

On XX/XX/year> I purchased a XXXXXXXX XXXX XXXX with {$500.00} loaded onto it. I have tried to make multiple purchases with the card, but they are all declined. This card has never worked, even though I activated as the company instructed. When I check the card status online, it states the card is active with {$500.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

This showed up on my credit report on XX/XX/2021, in the amount of {$1700.00} from some company by the name of XXXX XXXX XXXX XXXX. 

In XXXX, someone attempted to file unemployment in my name, also NOT me, ( I work for XXXX XXXX in XXXX Ohio and was notified by my employer someone had fraudulently filed for unemployment on my behalf, I filed a police report ). 

I'm not sure if someone had gotten the above XXXX XXXX XXXX in my name or not, however, this was NEVER my loan, I've never gotten a loan like this. I've tried disputing it to no avail. 

I will NEVER pay something that's not mine, however, it has impacted my credit score. 

I need this removed from my credit, I've tried contacting the company at XXXX and they keep hanging up on me, which just screams scam. I'll call, they get my name and email then put me on hold while they " transfer '' me and that's when the call drops, I've tried a dozen or more times to get thru and each time that's what happens. 

This is most definitely a fraudulent charge and I need it off my credit. The dispute I filed thru the credit bureau came up with nothing. 

I don't understand how someone can do this and it affect MY credit and nothing happens to the scammers involved in getting a loan with my stolen identity. 

Thank you so much for any help you can give XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

In accordance with the fair credit reporting Act LAW OFFICE XXXX XXXX XXXX XXXX  # XXXX XXXX, XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX, has violated my constitutional rights 15. U.S.C 1681 Section 602 A Section states I have the right to privacy 15. U.S.C 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish my account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

My current situation is, that I have been victim of fraud, since my XXXX XXXX XXXX account was hacked.Were I was denied from the total access into my personal customer portal.Consequences of this evil criminal action.Honestly, i'm facing the worse nightmare ever.So whoever took ownership of my hacked account.Had the audacity to contacted every single individual from my XXXX friends list, a total of XXXX persons, wich i consider long amount.Using my identity, trying to obtain personal data information from them, for financial purposes.After this incident was brought to my attention, immediately I report my problem to the XXXX customer support.Staff members, that haven't reply me back till today 's date.Then a couple days after.I couldn't access my XXXX XXXX XXXX also from my two primary electronic emails address, we're I used to receive all my important personal events.Some of my debit prepaid bank cards was compromised, matter that is taking care already.Plus on my credit report it shows a dramatically amount of credit inquiries, the ones are impacting negatively into my current score.I start receiving emails orders confirmations from XXXX, XXXX, non authorized XXXX & XXXX app payments, regular phone text messages referring to personal loans, car purchases, such utilities bills debts that are not common, following thoses steps measures.So, after all this unexpected things start happening, i went to a local police station to file a report.There, the officers provided me a list with the steps for me to follow in order to resolve my concern.I filed a federal trade commission report fraud ( # XXXX ), another report to the XXXX & i contact my 3 credit report bureau placing an alert fraud & blocking the access to any of my personal info.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was a problem with my separation from the USPS and they rectified it by deleting everything from XXXX and XXXX but left one of them on Equifax DEPARTMENT OF TREASURY XXXX XX/XX/22 shows as open account and should have been deleted altogether
Product: Credit reporting or other personal consumer reports

Please see attachments. 

This creditor goes by so many names : XXXX, which is also XXXX and Ashely furniture store synchrony bank. Creditor is confusing consumers. 
Account ending n XXXX Account has been reaged several times over the years- evidence attached. 
Last payment XX/XX/XXXX bank statement attached. 
No payment all of XXXX ; reaging Theres no agreements or even communication between consumer and creditor to reage account. 

Account is inaccurate and incomplete. Different amounts, dates, balances, and activity than other CRAs Also a charge off receiving an IRS 1099C write off a certified letter was sent to XXXX XXXX this previously. 
Also, in collections, so the balance should say 0 with no activity And account was also paid by the insurance premium in the finance charge This is corporate FRAUD.
Product: Credit card

XX/XX/XXXX Consumer Financial Protection Bureau Financial Institution : Chime XXXX XXXX XXXX, XXXX XXXX, CA XXXX Dear Bureau : My credit card account had fraudulent transactions on XX/XX/XXXX, and XXXX, XXXX. I noticed all of these transactions were done in a city I was not in, and in businesses I had never done business with. I contacted my financial institution ( Chime ) to report and dispute these charges. Even though those are fraudulent transactions because of my history path, I did not receive any help from them, and they denied the dispute with no explanation for why, even though I sent proof of the fraudulent details of these transactions. They even asked me to contact the merchants when that is their job in the dispute process. I called several times, and they never contacted me with the dispute department or anyone who could explain their dispute process decision or how they contacted the merchants and followed the investigation.
Product: Debt collection

Didnt get any notice from the company about any unpaid bills, I actually had medical insurance at the time, also Auto insurance in which I was covered under my PIP for medical fees resulting from the auto accident I was involved in which was the reason why I was admit to XXXX XXXX XXXX XXXX
Product: Checking or savings account

My brokerage account was restricted on XXXX after attempting to withdraw money with no reason as to why it was restricted. After several attempts to contact Robinhood, I was unable to obtain a reason as to why this occurred in the first place. Initially, Robinhood provided a date that this would be resolved - XX/XX/XXXX. This date was repeatedly pushed back - again, with no reason as to why. On XX/XX/XXXX, I finally received a response that my account was no longer restricted. The reason provided was that I " fell victim to a scam '' which also doesn't make any sense whatsoever. Moving forward, Robinhood also specified that I will no longer have access to crypto transfers or peer to peer services. Not a huge issue as I simply want to remove the restriction, withdraw my money, and take my business elsewhere. 

After logging on this morning, I attempted to withdraw nearly {$2000.00} and was immediately put on a restriction again. I emailed the support email address asking why this occurred and to expedite the review so I can access/withdraw my money. I again received a very generic response that they are transferring this matter to the appropriate team for review. I also requested a call and spoke with an individual that provided no insight as to why my account was restricted ( again ) and confirmed that I will not be able to withdraw any of my money until the review is complete. I asked for a resolution or update today since this is obviously becoming quite concerning. I have yet to receive any sort of update, and I assume this review will continue to be pushed out. Meanwhile, I have bills to pay and require access to my funds. It simply appears that at this time, Robinhood could care less about their long-time users and the financial hardship these unexplainable " restrictions '' place on users being able to withdraw funds. Given this issue, I have initiated a portfolio transfer to another more reputable broker. Given my account is restricted, I'm assuming this will fail even though Robinhood has already deducted the {$100.00} transfer fee from my available funds. At this point, it seems Robinhood is placing restrictions on customers looking to move business and/or attempting to lock up funds of users for an unknown/unethical reason.