23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I have never lived at XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX. & also XXXX XXXX XXXX XXXX TX. I have notified the police, FTC, and collection agencies, and my private information was used to get these apartments and is currently being used for goods and/or services. This address is in the FTC affidavit in the personal information section as XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX TX are fraud addresses.
Product: Student loan

XXXX XXXX XXXX XXXX from Great lakes for {$5000.00} on XX/XX/XXXX XXXX dispersed for {$2400.00} on XX/XX/XXXX XXXX twice I only received it once and another XXXX XXXX XXXX  was taken out on XX/XX/XXXX XXXX for {$6000.00} dispersed XXXX for {$280.00} and another on XXXX XXXX XXXX for {$2800.00} my father only signed the XXXX for {$5000.00} I never received that full amount to {$5000.00} for the first XXXX and I never seen any of the {$6000.00} XXXX. My parents had paid off the loan in XXXX on XX/XX/XXXX and that is when I discovered how much they had been paying on this since XXXX and then we looked more into it and we seen this
Product: Debt collection

I received a letter from XXXX XXXX for property address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I sent a response to them on XX/XX/XXXX, indicating that the debt does not belong to me. 

I then received another letter dated XX/XX/XXXX from XXXX XXXX, another collection agency. 

Recently another letter was received from Radius Global Solutions LLC dated XX/XX/XXXX which I disputed just now via their email XXXX. 

I do not owe XXXX XXXX and they are apparently reselling the information after I contacted them indicating that I never lived at the service address. 

I would like this debt removed from my record and to have XXXX XXXX correct their system so this error will never occur again. Thank you. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I have sold a plasma cutting welding machine on XXXX. The transaction payment did not show up in my Paypal account. After spending a lengthy amount of time on the phone with the Paypal representative, they were able to show the money posted to my PayPal account although it was/is held by Paypal. Paypal would not even release the shipping portion of the funds to ship the item. I had to use personal funds to ship the item. The representative informed me that the funds would be released to me once the item was received by the purchaser. The item has been shipped as described to the delivery address provided by the purchaser and satisfactorily delivered. 

In the interim the PayPal automated system asked for a copy of my driver 's license, shipping documents and original purchase receipts which I have provided. Upon logging onto my account today I have discovered that PayPal has my account locked stating that " You can't use PayPal Anymore '' and that any money in my balance will be held for 180 days. I called again and waited for a pay-pal representative ( XXXX, employee number XXXX ) who informed my that PayPal could not provide me with information as to the account closure would not provide me with any phone number or email of any responsible party who could. I was informed that my only recourse is to submit a written request to their corporate office via post to XXXX XXXX, CA XXXX. 

XXXX has since charged me for XXXX dollars ( 10 % of the {$4000.00} sale item ), PayPal has charged me for their fees and I have had to pay shipping since paypal is also holding the paid shipping charges. 

I understand the need for a new PayPal account user to wait for the item to be delivered in order to receive their money since a new account needs to be substantiated to help circumvent fraud. However, my account has been in good standing for over 15 years. The fact that Pay-Pal is withholding my money, refuses to give reasonable avenues to rectify the situation all while making interest on the float for countless transactions is criminal. These are racketeering practices by definition. PayPal needs to be held to Security and Exchange commission standards and provide adequate customer support if they are to be engaged in their business. Furthermore PayPal 's affiliates ( XXXX  ) should not be able to withdraw sale item funds from a seller 's personal account until payment for the item has been justly placed in the seller 's account. 

I look forward to your help in handling this matter but more importantly resolving the larger issue at hand and protecting innocent consumers from Pay Pals unjust actions.
Product: Checking or savings account

There are several unauthorized transactions. I have had to file 3 disputes with chime financial services. The 1st dispute is 28 transactions and a total of {$1300.00} dollars. The 2nd dispute has 11 transactions and a total {$300.00}. Finally the 3rd dispute is for {$100.00} dollars and 2 transactions. Chime financial services just continues to deny my disputes even after getting the police reports, the identity theft report as well.
Product: Credit reporting or other personal consumer reports

I HAVE MADE MULTIPLE REPORTS AND YOU EXPERIAN ARE IN VIOLATION OF ( 15 u.s.c. 1681 ) : I reviewed my credit report recently and noticed an account that was not reporting accurately, I had an INCORRECT LATE PAYMENT MARK on an account that I in fact paid on time. Here is the Account details with an INCORRECT LATE PAYMENT MARK. According The consumer reporting fair credit reporting act ( 15 u.s.c. 1681 ) agencies, MUST report all information with complete accuracy, this account has not been late on payments I have attached a copy of my report to this complaint on the following date ( XXXX ) for account : XXXX XXXX, XXXX I'm now requesting you EXPERIAN , NOW IMMEDIATELY UPDATE this account and update the payment on ( XXXX XXXX, XX/XX/year>, XX/XX/year> ) FOR XXXX XXXX XXXX XXXX to paid on time immediately BEFORE FURTHER LITIGATION PROCESS. Thank you for your understanding and prompt action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 2 XXXX XXXXXXXX accounts reporting on my credit report. The accounts were charge offs that were paid during settlement for a lesser amount. I have since launched 3 disputes with corresponding bureaus. The 3 bureaus have reported back separate payment status for the accounts.

Account 1 : XXXXXXXX shows ( Current/paid, updated XX/XX/XXXX XXXX XXXX shows ( derogatory, updated XX/XX/XXXX XXXX Transunion shows ( unknown, updated XX/XX/XXXX XXXX. 

Account 2 : XXXX shows ( Current/paid, updated XX/XX/XXXX XXXX XXXX shows ( Derogatory, Updated XX/XX/XXXX XXXX Transunion shows ( unknown, updated XX/XX/XXXX XXXX. 

According to the previous, XXXX XXXX is reporting different status and and not providing accurate updates from each investigation, which is grounds for immediate removal. I am demanding the immediate removal of these accounts from my credit report across ALL THREE BUREUS as they violate my Fair Credit Reporting Act ( FCRA ) laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good morning, In accordance with the Fair Credit Reporting Act the following accounts have violated my rights : XXXX Acct # XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX  XXXX Acct # XXXX XXXX  Acct # XXXX 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purposeI have previously requested the credit bureaus there are constant inconsistencies in my credit reports, date opened, last reported, date last active, date of last payment, & payment history. I've tried multiple times to handle this with no success. They did not properly verify report and there are multiple inconsistencies. I've requested documentation with my signature to verify the account. They have not provided any of these things. I have attached screenshots of these accounts from my credit report to show they did not verify these accounts and I demand that they are removed.
Product: Credit card

On XX/XX/XXXX, I noticed an unauthorized charge of {$45.00} on my American Express card, listed as XXXX XXXX XXXX XXXX XXXX, XXXX - XX/XX/year>. This charge is incorrect, as I am currently not in XXXX and did not rent a vehicle in late XXXX. I immediately contacted XXXX, but I was unable to obtain any information from their overseas representatives about this transaction. 

In response, I initiated a dispute with American Express ( Dispute ID : XXXX ), expecting their support in resolving what is clearly an unauthorized charge. American Express informed me that they sent an email on XX/XX/XXXX regarding the outcome of their investigation ; however, I never received this email and, to date, have not been provided with any explanation or documentation justifying the charge. 

In addition, American Express suggested that I follow up on my own, which is not feasible given that I am not in XXXX and have not rented a vehicle. This response is unsatisfactory and fails to address my need for a resolution. The charge is both unauthorized and incorrect, and I have taken all reasonable steps to notify American Express of this issue. 

I am seeking the CFPBs assistance to ensure that American Express provides a full refund of the {$45.00} charge, along with a complete and transparent explanation of how this charge was allowed to occur despite my lack of involvement and absence from XXXX.
Product: Mortgage

This is NOT a duplicate to complaint # XXXX In XX/XX/2015, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, and servicer to me since XX/XX/2015, was placed under supervisory restrictions by the XXXX referenced by XXXX # XXXX XXXX # XXXX and # XXXX. 

XXXX XXXX made financial profits at my expense and to my detriment, when they should never had been in business with me ( sppecifically servicing a mortgage ). 

Reference XXXX  ID # MIN : XXXX Note Date : XX/XX/2015 XXXX  Status : Inactive Servicer : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX, XXXX, KY Investor : XXXX XXXX XXXX specific restrictions outlined below and a copy of the order from XXXX is attached to this complaint for reference : ( 1 ) no execution of new contracts or the amendment or renewal of existing contracts beyond current loan volume specified in existing contracts for the acquisition, by the Bank, of residential mortgage servicing, residential mortgage servicing rights, residential mortgage loans with servicing, or residential mortgage origination business entities without prior XXXX supervisory non-objection until termination of the Consent Order ( this does not apply to originations or refinancings by the Bank, contracts for new residential mortgage loans through the Banks broker or correspondent channels, or other contractual relationships where the Bank does not ultimately service the loans, and this is not intended to disrupt any of the Banks existing residential mortgage servicing related contracts ) ; ( 2 ) no execution of new contracts for the Bank to perform residential mortgage servicing for other parties without prior XXXX  supervisory non-objection until termination of the Consent Order ; ( 3 ) no residential mortgage servicing related activities may be outsourced or sub-serviced to other parties without prior XXXX  supervisory non-objection until termination of the Consent Order ( this is not intended to disrupt any of the Banks existing residential mortgage servicing related contracts, outsourced activities, or obligations pursuant to legal settlement, nor prohibit new contracts to outsource activities that are currently outsourced ) ; ( 4 ) no new off-shoring of residential mortgage servicing related activities without prior XXXX  supervisory non-objection until termination of the Consent Order ; and ( 5 ) no new appointments of senior officers who have responsibility for residential mortgage servicing, residential mortgage servicing operations, residential mortgage servicing risk management, and residential mortgage servicing compliance without prior XXXX supervisory non-objection until termination of the Consent
Product: Credit reporting or other personal consumer reports

I recently disputed this account in XXXXXXXX XXXX XXXX and I received notice that you have updated my account. I would love to know how you completed this investigation because I am aware of several still existing inaccuracies. This should not be the case after your investigation has been completed. One account that has been previously disputed is still reporting inaccuracies after your investigation. How is this possible? I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence. Please include all names and contact information of employees that you spoke to as a part of this investigation. Clearly, you just pushed my dispute through XXXX because you could not have read this dispute and continued to report against the FCRA. The FCRA states that ALL information must be COMPLETE, VERIFABLE, AND ACCURATE. This account is not any of the above adjectives. Please delete this erroneous account immediately! 
XXXX XXXX XXXX XXXX # XXXX ) Delete this erroneous account IMMEDIATELY! 

-Open date is reporting inaccurately - Date last active is reporting inaccurately - High credit is reporting inaccurately. This accounts is inaccurate. 

Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the actions being taken against the company. 
Under federal law you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days of the completion of your reinvestigation. I demand that this account be deleted immediately or will file for litigation. I demand this account be deleted immediately as I will be seeking litigation
Product: Credit card or prepaid card

On XX/XX/2018 my wife tried to verify information for a credit card application with USBank. During the phone call the USBank rep decided to decline the application because my wife and I had opened 3 other accounts over the past 2-3 months.

About 2 hours after the above conversation took place, we tried to use our USBank credit cards and found them to be invalid. USBank not only declined the application, they also closed the accounts of the three other cards.

In phone calls made today I find they now classify us as " a risk to the bank. '' If opening three cards with this bank makes us a risk to the bank, Why did they let us open 3 cards?

In closing the accounts, they have closed our access to bonus points we earned for air travel. I want access to the points and I want my annual fees refunded.
Product: Credit card or prepaid card

On XX/XX/XXXX XXXX was illegally withdrawn from my account at an atm in XXXX XXXX, Ca. I was in XXXX at my home when this occurred and was in possession of the debit card. I filed at police report immediately. This happened to back in XXXX for XXXX, so the process is familiar. Upon filing my claim I expressed the need for escalation as I am being evicted. XX/XX/XXXX I spoke with a manager who filed this hardship. On XX/XX/XXXX I followed up and was told that my temporary credit would post to my account within 24-48 hours. This did not happen and I was told I had been misinformed. Also I was told that a hardship would be filed again. On XX/XX/XXXX I followed up again. I discovered that a hardship had not been filed a d was told that yes temporary credits are usually applied within 24 hrs for an eviction hardship. As of today, my account has not been assigned an investigator, the claim has yet to be approved, I still do not have the credit for the XXXX. The service has been horrible, I am treated like an imposter or someone that would be co side red XXXX  of the earth. This credit should have been placed j to my account immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitted disputes numerous times with Transunion to delete inaccurate/false information on my credit report. I am very upset that you have included the below information in my credit report due to its damaging effects on my credit standing. As you are no doubt aware, credit reporting laws require bureaus to report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing, and has negatively impacted my life. 

The following information therefore needs to be deleted from the report as soon as possible : XXXX XXXX, acct. XXXX. I have no knowledge of this fraudulent entry on my credit report. I have no accounts with the account numbers reported. I opened no accounts on the dates referenced. I have had no communication in any way, EVER, from the reporting agencies. The above information needs to be deleted as quickly as possible and confirm these deletions within 30 days. If these fraudulent accounts are not permanently deleted, and/or if you are unable to verify and refuse to delete, I will be filing appropriate complaints against you with the FTC for FCRA and FACTA violations, the FDCPA for violations of FACTA and the FCRA, I will also file a complaint with other appropriate State and Federal authorities. Please note that your Credit Reporting Agency is now subject to Federal consumer financial laws, including, among others, the FCRA and Title X of the Dodd-Frank Act, and related regulations including a ban on Abusive Acts or Practices. ( Section 1031 of the Dodd-Frank Act )
Product: Money transfer, virtual currency, or money service

I made a transfer on XX/XX/XXXX from my XXXX  account into my chime account. The transfer was for {$180.00}, XXXX  was suppose to instantly transfer this money yet the funds was not showing in my balance. I contacted chime & spoke with a supervisor who confirmed my balance wasnt correct & that XXXX  initiated my transfer as a refund, so it wouldnt show in my chime account until XXXX business days later. From XX/XX/XXXX to XX/XX/XXXX Ive checked my chime account balance to see if my refund was returned & it wasnt so i reached out to chime today who told me the refund was sent to my account XX/XX/XXXX. I also reached out to XXXX  who said they can confirm chime received the funds, but yet my balance is still wrong. Chime is trying to tell me Ive already received my refund and spent it due to transactions i made after making this transfer which is incorrect again. Ive researched to see who else has not received money from chime & of course Im not the only one complaining. I read one person had to contact yall and get a lawyer to get his funds back which seems like i have to do as well being that i never received my refund.
Product: Checking or savings account

They close my account for suspicious transactions and they dont tell me wich transaction are they talking about, they said they dont have more information, the money that I have on that account is from my taxes and now they said that my account dont apply with the requirement for a check refund!
Product: Credit reporting or other personal consumer reports

Equifax XXXX XXXX XXXX XXXX, Ga XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX To Whom It May Concern : I am writing a dispute of my credit file for the following item : XXXX XXXX  XXXX acct # XXXX I am disputing the following accuracy in accordance FCRA 15 USC 1681i ( 5 ) ( A ) which states : ( A ) In General Subject to subsection ( f ) and except as provided in subsection ( g ) if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly of indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

The items in dispute for accuracy : The open date is inaccurate The number of months ( terms ) as inaccurate The High credit is reporting as inaccurate The last reported date is inaccurate Please forward an accurate report at the end of the investigation period. 

Thank you XXXX XXXX XXXX
Product: Debt or credit management

My information was compromised in a data breach and there are collections on my credit report that I have known a lot of they have not been able to send me a purchase agreement. They have not been able to send either the original contract pay me history, proof of ownership or the original creditor name, address and phone number I would like these removed from my credit report ASAP
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

My issue centers around poor customer service, inaccurate escrow information ( advisement of a refund and withdrawal of that with no notification ) and lack of response to multiple service and escrow complaints. I knew I was going to have a wide fluctuation on property taxes ( due to building a new house on vacant land ), and contacted United Wholesale Mortgage my mortgage provider. I left multiple phone calls to an individuals voicemail in the Escrow Department and after XXXX months, never got a call. I would also call Customer Service and they said they would leave a message for someone to call me, but once again, no one would ever call. I was able to speak to a few CS reps, one of which helped to calculate my new escrow payment and they advised me of my refund. Three weeks went by and no refund. I called in again and found out they calculated it wrong because they were not an escrow representative and was told I was getting appx 50 % of what they told me as a refund. When I asked why I was n't notified in writing, they had no answer. I asked to speak to a Manager and he advised that he would pull the calls and call me back. I left him several messages over several weeks and never received a call from the Manager with an explanation. I also never received a revised escrow statement until I had to call in and request XXXX. This should have been provided since they recalculated my payment and my refund. I have since submitted a Complaint to their Complaint Department and they have had it for XXXX weeks with no response. While I have n't been financially violated, I am getting the worst service ever and have never been able to speak to a live Escrow Agent at this company. They claim they only let you speak to their front line Customer Service Reps and then the escrow agents do the work behind the scenes. This might be fine until the CS Rep calculates the wrong refund amount, they then Escrow Dept changes it, they hold back the check they were supposed to send you and never advise you that you are not getting the first check and the amount of your refund changed. I find this to be completely unacceptable and would appreciate your assistance in helping me get action and a response to this matter. I have never seen a firm NOT respond to a complaint.