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

I strongly disagree with the PayPal 's abrupt decision to permanently limit my account. The reason to close my account due to security issues is very obscure and is quite contrary to the way that I operate my business. All the transactions/orders have been fulfilled and shipped to the customers. Over the last 6 months of operation, I had zero disputes on my account. Furthermore, I have provided PayPal the suppliers invoices as requested, revealing my personal information and my supplier, and that significantly concerns me and especially my supplier as a breach of privacy. 

I have submitted a letter of appeal to PayPal but I have no received any response at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting actXXXX XXXX XXXX bank, account # XXXX has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit card or prepaid card

In XX/XX/XXXX, I noticed a {$2.00} monthly " minimum charge '' on my XXXX XXXX Credit Card. I initially thought this was a mistake as I had paid my balance in full XX/XX/XXXX. Come XX/XX/XXXX, I saw the fee racking up each month and called them. They said they experimented with a new fee structure in the summer that charged interest over time ( even when the current balance was XXXX ) instead of charging them per month based on balance owed, like most credit cards do. They said this quickly became unpopular with customers, so they assured me they would adjust the balance to XXXX and that I need not worry. My statement for XX/XX/XXXX still showed a balance, so I called again. They adjusted the balance and again assured me this was taken care of. I saw my statement and it did reflect the fee adjustments, but they charged the entire balance anew, essentially voiding the prior adjustments.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, per the FCRA, I notified XXXX XXXX XXXXXXXX that I elected to opt-out of any and all authorizations I may have provided them to provide my personal non-public information to any non-affiliated third party based on 15 USC 6802 .
Product: Credit reporting

I have a collection record on my credit report with Experian. This collection is regarding a medical bill. The reason that this bill is not paid on time is that I was never informed that I have this unpaid bill by either the hospital or collection company. 

First, I have never been contacted by hospital for this bill, and I thought it is paid by my insurance company. Second, after the bill was transferred to the collection company, XXXX XXXX, this collection company never contacted me regarding this bill as well. In fact, I never know this unpaid bill was existing until the landlord told me I had a collection in credit report when I applied the apartment in 2014. 

It is the hospital and collection company 's fault for not contacting me, while not my fault to refuse to pay it. My insurance company can cover the bill directly, so that I do not have motivation to default on it. Both XXXX and Experian have removed this wrong information after I dispute with them. 

Experian is the only agency that refused to remove it after I disputed with them twice. I strongly believe that Experian does not do their investigation and due diligence well, and allows this wrong information to continue shows on my credit record to indicate I had a bad record to pay the bill, which is clearly not the truth according to the facts I listed above.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've pulled my credit reports and have noticed inquiries on my report that I did not authorize I 've contacted XXXX. About this matter and. And have not gotten any help with this matter. They have had many credit security breeches. And the company website said that I was impacted by this. I do not want to sign up for any credit monitoring service they offer I just want these unauthorized inquiries removed
Product: Mortgage

I got a letter in the mail ( see attached ) saying my mortgage payments were going up but the letter didn't offer any clear reason why. The numbers they presented actually indicate that I would have overpaid, e.g. the " what we estimated to pay out '' amount is actually lower than " what we paid out. '' There are asterisks in Part 2 that don't match the description of what it should indicate - e.g. it says it indicates a discrepancy between an estimated amount and an actual amount but no such discrepancy exists. Additionally, there are numbers for county tax and property tax payments that don't match their estimates - either the estimate is XXXX or the payment is XXXX. This results in a statement printout that doesn't even attempt to explain why I'm expected to start paying more money. 

After a quick review of customer feedback online it's clear that Freedom Mortgage is very, very unpopular with its customers. I am truly worried that the company is trying to skim money from me, especially considering they designed, printed, and released a statement that doesn't offer proper justification and appears to be intentionally confusing. I tried to call their customer service number and after trying to navigate a phone system that is not user-friendly and provides endless menus with no ability to navigate, I tried pressing " XXXX '' and was told I would by on hold for 56 minutes to speak to a representative. The combination of a very poorly designed statement asking me to pay extra without proper justification, terrible user reviews, and a phone system that appears intentionally designed to frustrate and deter customers leads me to suspect that something is amiss at Freedom Mortgage and I'd like you to investigate. 

Mortgage loan buyers are unique in my experience that I have to interact with them despite having no freedom of choice or transparency in the process by which Freedom Mortgage acquired my loan. A review of customer experiences online indicates that a terrible customer experience is the norm and no reasonable person would choose to do business with Freedom Mortgage intentionally. But because they bought my loan and there was nothing I could do to stop that, I am forced into doing business with a deceptive company. I've had good experiences with CFPB in the past in getting student loan payments counted when XXXX was fraudulently trying to deter me from doing so. I thank you for that and would greatly appreciate the same thoroughness in dealing with Freedom Mortgage.
Product: Credit reporting or other personal consumer reports

I have, for some time, been trying to solve aa major problem with the agencies and the corporations and debt collectors whom they have allowed to put phony, unreasoned, baseless, items on my credit report unpermitted. I am now taking the necessary legal action under the FDCOA and FCRA against the agencies so that these ill-found items can be corrected and removed from my report.
Product: Credit reporting or other personal consumer reports

On my report the companies that I didnt apply or doing business with are showing. 
These are XXXX reports on my account and Ive never applied their services or doing business with them. Please remove these from my report. 

TD auto finance XXXX XXXX XXXX TD auto finance TD auto finance
Product: Credit reporting, credit repair services, or other personal consumer reports

Before I start typing this message, I want to make sure that XXXX does not mark this as a duplicate as they did with my last message. ( This is not a duplicate ). 

I contacted XXXX through CFPB in XXXX because the student loan # ending in XXXX that XXXX claims I have should have been relieved under the attorney generals settlement earlier this year. XXXX got back and reported that my cosigners FICO score was above the threshold of XXXX at the time of origination and thats why the loan can not be relieved. 
I am requesting XXXX to please prove that. I did ask them this in my previous message sent to them through CFPB. They didnt have any answer, so they marked it as a duplicate message. 
If XXXX can not provide me a copy of my Cosigners FICO score showing that my cosigners FICO score was about XXXX at the time of origination, then they need to relieve my loan and inform all three credit bureaus. I am requesting all three credit bureaus agencies that if XXXX can not provide me the proof of that FICO score from the time they are claiming then it should be removed from my credit history. I will also send a complaint to the Virginia Attorney General 's office regarding this message. 
I will be waiting for XXXX to respond on this matter. ( THIS IS NOT A DUPLICATE ).
Product: Checking or savings account

I requested to view statements and was sent a secure link to access statements. 
When registering through that link there was an error and no one at the bank was able to to resolve the issue or submit a ticket to have it worked on. They did not even provide any troubleshooting steps. I doubt they even noted the account regarding this issue either.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has unblocked fraudulent items on my credit report due to discriminating me. The company told me to go to the police department to validate the police report that I provided them from the XXXX Police Department. The police report is accurate and valid. I am a victim of ID theft. This company have been giving me a hard time ongoing for 2 years. I have followed their instructions and they then come back to say the creditor validated the debt as my debt and they must put it back on my credit report no matter what the police is saying it is my debt. The name of the account is XXXX XXXX XXXX. I am attaching my police report as well to the document.
Product: Credit reporting, credit repair services, or other personal consumer reports

Items from a previous ID Theft issue continue to be reported on my consumer reports. They've failed to remove all of the accounts.
Product: Mortgage

Pingora Loan Servicing , LLC leaked my highly confidential PII including my SSN, name and address. It did not have proper security in place and as a result my data was breached. This can have a lifelong affect on my credit. They are offering a XXXX  year credit monitoring service as a make-good on their irresponsibility that can affect the rest of my life.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These action have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

Have disputed address not associated with numerous times and has not been permanently removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Chime closed my account almost 3 years ago and never sent me the {$20.00} from my checking account as well as the {$2.00} in my savings. i contacted them multiple times and was never able to get any kind of help or assistance and no acknowledgment was made of my money being kept from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

UNAUTHORIZED INQUIRIES LISTED ON MY CREDIT PROFILE THAT DOES NOT BELONG
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a request to update the credit limit on a specific account to Equifax. According to the lender, XXXX XXXX XXXX  ( aka XXXX XXXX ), Equifax reported the account as FRAUDULENT. I simply wanted the credit limit to be reflected accurately and Equifax reported the account to the lender as fraudulent. Because of this inaccurate fraud report, the lender closed my account. This was an account on which I had never been late and had recently paid off.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX OF XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX and list of Inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

This is the most frustrating company I have ever dealt with... 
Apple Card is run by Goldman Sachs Bank USA. 
No matter how many times I call or write, they continue to bill me. They can not tell me what goods or services the charges are for, or who is the company charging me. 

I filed a complaint with you several months ago. You wrote to them. They told you, Oh we already credited XXXX XXXX. Yet I can find no credit! And now they are trying to do this again. There way things stand, they owe me {$190.00} and {$95.00}. 

Why did you believe them? Did they show you proof in writing that they issued a credit to me? Did they tell you who the merchant is? When I called today, they said we do not show you in our system, either by email address or telephone. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I consider their actions to be harassment.
Product: Money transfer, virtual currency, or money service

On XX/XX/2020, I was victim of a scam. A supposed employer send me a fraudulent check worth of {$2500.00} which I deposited into my Wells Faro account. After that the employer asked me to send a cashiers check for {$2000.00} to a third party which I did on the same day. 
The following day I realised I was scammed and I reported it to Wells Fargo.After investigation, Wells Fargo did not offer me any scam victim protection and closed my case.
Product: Mortgage

I took out a 30 year conventional mortgage with XXXX XXXX XXXX XXXX in XX/XX/XXXX. The mortgage is serviced by LoanCare of XXXX XXXXXXXX, Virginia. There is NO escrow account for this loan- I pay all property taxes myself separate from the mortgage. I have never paid any monthly mortgage payment to LoanCare late, not even by one day. I have never paid my property taxes late for the property that is the subject of my mortgage with LoanCare. 

The second installment of my XX/XX/XXXX-XX/XX/XXXX property taxes, owed to the XXXX XXXX, California property tax collectors office, was not due until XX/XX/XXXX. Again, I have never been late in the payment of any property tax payment. Nonetheless, in XX/XX/XXXX, LoanCare, without any authorization or right under the terms of my loan documents, claims it paid the second installment of my XX/XX/XXXX-XX/XX/XXXX property taxes two months early. LoanCare did this even though there is NO escrow account for this loan, and there was no default or late payment by me in the payment of any property tax due. LoanCare admits this payment was completely a mistake on its part. There is nothing in the terms of my loan documents that authorized or allowed LoanCare to make such payment. 

Now, more than two years later, LoanCare has created a fake negative escrow account balance ( there is no escrow account for this mortgage ) for its unauthorized and improper property tax payment, and is demanding that I reimburse LoanCare for such unauthorized property tax payment. There is nothing in the loan documents for this loan authorizing LoanCare either to have made this unauthorized payment in XX/XX/XXXX, or to demand reimbursement for it from me now in XX/XX/XXXX. There is no escrow account for this loan and there was no right by LoanCare to make a property tax payment on my behalf for a payment not then due and not late or in default by me. Any unauthorized, voluntary payment by LoanCare was solely at their peril and is not my legal or contractual responsibility any more than if LoanCare made, say, a car payment on my behalf or paid, say, my XXXX bill and then demanded reimbursement from me. 

LoanCare can point to nothing in my loan documents that gives them the right to obtain reimbursement from me for their unauthorized and improper property tax payment. LoanCare is  now threatening to increase my monthly mortgage payment as of XX/XX/XXXX for its unauthorized XX/XX/XXXX property tax payment.
Product: Credit reporting or other personal consumer reports

I am disputing the following account that still appears on my credit report, even after your initial investigation. I request that this item be re-investigated immediately. The inaccuracies are causing significant harm to my credit score. 
Account Name XXXX XXXX XXXX XXXX Account Number : XXXX By the Fair Credit Reporting Act ( FCRA ), Public Law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified this information so I may follow up.

Please send me an updated copy of my credit report after your investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to the Equifax website and I was told that I may be a victim of the Equifax hack. They wanted me to sign up for their fraud alert system, but this would place me in binding arbitration with no legal recourse if I am effected by identity theft. This is not ideal for consumers.
Product: Money transfer, virtual currency, or money service

I locked my Coinbase account as a security measure to protect it as I could not login and could not reach customer service. 
I have submitted 3 total request to Coinbase over the course of the last 2.5 weeks starting around XX/XX/XXXX. I also tried emailing an address I found online ( XXXX ) on XX/XX/XXXX but that address only sends a bounce back message. 

This is a custodial wallet service through Coinbase with XXXX so they have verified my driver 's license and my address is tied to a bank account as well. 

I use Coinbase app on my phone and logged out at one point to reduce me checking virtual currency prices and possibly swapping/purchasing more. 
Since I am used to logging in with my fingerprint ( biometrics ) before on the my phone app, I could not remember my password. 

Unfortunately, I had setup a new more secure email just for Coinbase ( on XXXX vs XXXX previously ) that I do not regularly use, I could not remember my password for the email tied to my account to reset my password. 

In this situation where I could not access my account nor reset my password using the email tied to it, I felt it best to lock my account to secure it. Prior to doing this, I tried to see if I could call Coinbase customer service and realized that they had no LIVE customer service and only available through submitting requests. 

Searching online - it appears that Coinbase can take weeks and often months to respond ; simply google coinbase and XXXX or any combination you prefer or search CFPB website. 

This seems HIGHLY inappropriate for a financial firm not to have live customer service or one that responds within hours. I am used to XXXX XXXX or XXXX or a bank and being able to reach them on the phone in a matter of minutes. I would not except to wait for months to try to access a financial firm. 

If I knew that there is no customer service from a firm handling $ Billions in volume from the get go- I would never have used Coinbase. 

I appreciate help CFPB can provide dearly and thank you for all that you do. 

Have a nice week!
Product: Debt collection

Wakefield and associates acct. # XXXX balance XXXX. These companies have illegally obtained these debts. 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. Also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C. 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make a consumer report containing any of the following items of information any other adverse item of information other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. And all of this info is inaccurate. Also last but not least none of them have any of my correct information and my rights are directly being violated because none of these companies can validate this debt. They are not mine. My privacy has also been violated and I need them removed immediately. These are unfair and deceptive practices.
Product: Payday loan, title loan, or personal loan

This company is reporting a title loan to my credit report. This was my ex husbands car and loan and it is named as his in our divorce decree. Yet this company continues to report this to the 3 credit bureaus as if I owe this debt.
Product: Money transfer, virtual currency, or money service

I initated two account deposits from my XXXX checking account to Coinbase. Both transactions one on XX/XX/XXXX for the amount of {$1000.00} and the second on XX/XX/XXXX for {$500.00} were completed by XXXX on XX/XX/XXXX and fully funded to my account in Coinbase. When logging into Coinbase account funds show in a still pending state and unable to move money back. 

I have reached out to support numerous times and received no reply. This company is horrible, very misleading, and should no doubt be banned in the United States as this is no way to treat customers