23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Homeowners have been paid all payments on their home in XXXX  XXXX since XXXX, 21 years and would be current if it was not for bank refi scams and dishonesty from XXXX XXXX XXXX a XXXX lender that is supposed to aid low or no income communitas as the Department of Treasury mission statement for XXXX, but instead scammed on us charging, at the last minute XXXX months into refi process, a low income, predatory lending penalty fee of {$1000.00} a month, and did this for 13 months, in a scam that cost us {$13000.00} in rip off charges, and threw off our bridge loan, in XXXX plus months from our payment causing us to go into present forbearance as approved by XXXX that last servicer of XXXX. 

We only contracted with XXXX, that is so XXXX, and unethical they think that we are their paid secretaries and suckers for their bait and switch musical chair servicers that we have lost count of, changing every few months to cause huge loss of work harassment damages as they think we are their unpaid administrative secretaries to harass at work, week after week, month after months as they change servicer after servicer, in a likely bait and switch scam, that is also a fraud to likely hide records from the IRS and we ask that you report this to them. You can also report to the IRS as starting with XXXX, they began to double dip on the escrow, included in the huge {$4500.00} a month payment we made on time for 12 months and then paid the double dip escrow payment, of {$54000.00}! before this extra stolen money drove us into forbearance as it was not accounted in, for the additional XXXX or XXXX months we need to get to pay due to us. The Shellpoint/XXXX , larceny , fraud ad predeatory lending, has driven us into the XXXX approved forbearance. Also XXXX maliciously made false credit report complaints malleolus owing our score from XXXX to XXXX! and needs to correct these lies, and Shellpoint can do this too. Shellpoint has been notified for weeks about the above crimes, and so far has chosen to aid and abet them and even illegally added more false charges like the the bogus crooks they are. XXXX  and their criminal conspiracy partners Shellpoint, needs to return the stolen {$13000.00} fake low income penalty, the double dip escrow, THAT IS HAS BEEN PAID AND IS HELD IN RESERVE fraud claim, AND BECAUSE WE HAVE AN ARM WITH INTEREST RATES GOING DOWN, ALONG WITH THE TAXES THAT RECENTLY WENT DOWN, LOWER THE MONTLY PAYMENT, AND QUIT HARASSING US WITH THEIR SCAMS AND CRIMINAL ACTIVITIES TRYING TO STEAL MONEY!
Product: Credit reporting or other personal consumer reports

Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX ) did not have permissible purpose to access my credit report. The undated attached credit application was not signed by me and was fraudulent. XXXX continues to ignore me and will list this complaint as duplicate. I request Transunion and XX/XX/XXXX to have XXXX send proof of permissible purpose or remove negative listing form my credit report. XX/XX/XXXX does not have proof of permissible purpose. Currently I have almost 4 years of damage.
Product: Credit reporting or other personal consumer reports

I have reached out to the following account below and talked to them about the issue with my account as reported by the TRANSUNION. They have advised me that they will correct the credit report accordingly and change the balance to XXXX however, as I reviewed my recent report, the balance remains unchanged. I am not sure how the TRANSUNION came up with this remark. They have failed to investigate properly. Also, the comments do not conform to the payment history that is being shown in my report.
Product: Credit card or prepaid card

Credit card type, American Express Transaction Date : XX/XX/2022 Merchant : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX  Amount : {$3600.00} I have already opened a dispute with American Express, which they denied. I then appealed their denial which they also denied. They stated that I should try and work this out with the vendor or if that is not possible with a tort claim. 

This vendor advertised and promised to provide a medical XXXX XXXX solution that would be safe, FDA approved and would include a lifetime supply of their medication. The product they delivered to me is not only unsafe and unusable but is also dangerous. 

On XX/XX/2022 XXXX XXXX XXXX XXXX administered an elective medical treatment to me in their offices. This treatment caused me to have a severe medical reaction that resulted in a medical emergency. The medical emergency was so acute that XXXX XXXX XXXX XXXX own doctor, XXXX XXXX XXXX, personally called XXXX to report the emergency and request an ambulance since I was unconscious and could not be revived. 
XXXX XXXX XXXX XXXX then sent their first shipment to me and informed me that they had altered the mix and concentration of their product. I then, perhaps foolishly, took their treatment for a second time. I then suffered another severe medical event. Luckily this time I was able to quickly lie down and did not lose consciousness. 
I then informed XXXX XXXX XXXX by text message that his treatment again caused severe medical distress and I would not be able to use XXXX XXXX XXXX XXXX product as I could not risk my health by taking medication that was obviously unsafe and could cause me to be hospitalized or worst. I also would like to point out that at this time I acknowledged to XXXX XXXX XXXX XXXX I would be willing to pay for the services received up to that point. This included the office visit which was listed at {$190.00} and the first shipment of what was to be a lifetime supply of medication. I do not know the cost of this shipment but would guess it also was a XXXX XXXX XXXXXXXX dollars at most since it was only the first one of a lifetime supply. XXXX XXXX XXXX XXXX never responded to me on this offer. 
XXXX XXXX XXXX XXXX did respond concerning my inability to use their medication and their proposed solution was for me to take their unsafe and dangerous medication a third time. 

I also want to point out that XXXX XXXX XXXX XXXX is a franchise location of XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX. The medication is supplied by this home office and shipped to the customers that XXXX XXXX XXXX XXXX signs up. XXXX XXXX XXXX XXXX receives {$1200.00} for each new customer and the balance of the fee goes to XXXX  XXXX XXXX.
Product: Money transfer, virtual currency, or money service

I sold an item online & was paid through Venmo. Venmo sent emails to verify my identity. Venmo later sent an email to verify my bank account. I completed those task as requested. My account stated that money would me transferred to my bank account through standard transfer on XXXX. After several calls & chats my account was permanently deactivated on XXXX. I have not been able to get an explanation, nor have i been able to access my account. In the email, Venmo stated that the funds would be held for up to 180 days. So now, my rent money, car payment, & money for travel ( I'm an XXXX XXXX ) is frozen/inaccessible. Venmo even charged me a sellers fee ( 1.9 % + {$0.00} ). I have been a Venmo user since XXXX & a PayPal user since XXXX. I'm not sure why they would leave me in such a bad position. I'm still not sure if I'm being scammed out of my money because all the emails, chats, & calls are basically robots or people that have no knowledge of what's going on inside the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Friday XX/XX/2020 I called Experion ( XXXX ) to place a temporary freeze lift on my credit. The voice response system was poor but I did receive a confirmation number that the freeze was lifted. However, after receiving the confirmation number ... the voice response system then told me that I had to send in the mail ... ..a long list of personal information including my PIN number when I placed the initial credit freeze. That the freeze would not be lifted until I sent the information and that I should allow enough time for the information to be received in the mail so that the freeze could be lifted for the time frame I requested. THIS MESSAGE IS CONFUSING????? IT LEFT ME WONDERING WHETHER OR NOT THE FREEZE WAS TEMPORARILY LIFTED? 

On Friday XX/XX/2020 in the afternoon ... ... I tried at least 10 times by phone and several times via the internet to have the temporary freeze removed ... ... .in other words to reinstate the freeze.

No customer service selection was available on the phone voice response system. I could not speak to a customer service representative because there is no option to select to be able to speak to a person.On the internet site for Experion ( Experion.com/freeze ) there is NO OPTION TO REINSTATE THE FREEZE. I spent over 1 hour trying to contact Experion to reinstate the freeze on my credit.
This Company left me vulnerable to identity theft by NOT AVAILING THE PUBLIC ACCESS TO CREDIT FREEZE SERVICES.

This Company should NOT BE IN THE CREDIT BUSINESS SERVING THE PUBLIC?
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX 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
Product: Money transfer, virtual currency, or money service

Robinhood randomly restricted access to my investments account on or about XXXX XX/XX/XXXX. Since that date I have communicated with them approximately XXXX times with no resolution. The last time I spoke to them was on or about XXXX XX/XX/XXXX and my account is still restricted meaning I cant access my funds and use them to trade crypto. Another words they have frozen my money. Theft is what I call it. I can go to a XXXX store, show my ID, have them run a background check with the ATF OR FBI and buy a XXXX faster than I can get ROBINHOOD to unfreeze my account.
Product: Debt collection

Reviewing my credit report on XX/XX/year> I begin to notice that there is an inaccurate collection account that is currently being report. I have reached out to the creditor and the credit bureau requesting an investigation. I only received that this account has been verified. However, I requested the information on how did they verified this account and did they send you guys an sign contract regarding this account and who did they speak with, how did they verify the accounts because past due bill statements is not accurate. I yet have not received any accurate verification regarding these accounts. I requested all this information on XX/XX/year> yet have not received any documentation of this required information. As of XX/XX/year> these accounts are still being reported on my credit report as of today. I still do no believe that this accounts belong to me nor do I believe that the creditor have the correct authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect my credit report. I am requesting that you will get the XXXX credit bureaus XXXX, XXXX or XXXX to delete these accounts until they can provide the accurate documentation that I have requested that shows that this account is mines. I need the contract, signature, and the Id that should have been requested and provide. This is in violation of Section 605 B in my FCRA law and my consumer rights.
Product: Debt collection

Per my sales contract and pursuant to 16 C.F.R. 433.1, 16 C.F.R. 433.2 and 16 C.F.R. 433.3, I, as the debtor, I am now asserting my rights that are found in Title 15 U.S. Code 1692 also known as the Fair Debt Collection Practices Act. Pursuant to Title 15 U.S. Code 1692e, the sales contract is false and misleading because the seller made me believe that I received a loan and that I have to pay a debt when the debt was already paid in full with the promissory note which is a negotiable instrument.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is about XXXX and Bridgecrest Acceptance Corporation and their inability to process accurate data as a result of disputes. 

Within the past 7 days, I have disputed an item in accurate credit item from Bridgecrest on my credit report with XXXX that was updated as accurate twice after I paid the balance in full. I provided documentation proving that this account was paid off over a month ago, but yet, XXXX responds to my disputes within days indicating that the item has been updated on my credit report, still showing that I owe the company almost {$2000.00}. It is clear that XXXX is not handling these disputes with efficacy. I do not believe a company could verify and/or update correct information regarding an active account within days. This seems like a shady business practice on XXXX 's end. Company 's should not be allowed to report inaccurate information, especially when there is proof that the account has been legitimately closed! Is this even legal?
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 Account NumberXXXX Account Name : XXXX XXXX XXXX Account NumberXXXX has violated my rights. Or a 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 or prepaid card

My name is XXXX XXXX. 
I am requesting Capital One to correct the mistake that it made, and remove the hard inquiries on my credit file that were performed in XXXX and XX/XX/2018. The timeline of the events is as follows : I have received in XX/XX/XXXX a " You already pre-qualified letter for the XXXX XXXX, reservation # XXXX and access code : XXXX. 
Signed by XXXX XXXX Senior Vice President, XXXX XXXX P.S. Don't miss this exclusive offer. Get the NEW XXXX Card and watch your points add up! Reply today. 

Since I already have 2 credit cards with Capital, I wanted to make sure a third application will be favorable, and therefore I called Customer Service and I was rest assured the application is pre-approved and it would be no problem to apply. I have also stated to the Customer Representative that I have changed my address from XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX to XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX, and again the representative stated it should be no problem with the application. 

After the conversation with Capital one representative, I have temporarily removed the security lock on my credit file, and completed the application on-line for the XXXX XXXX, and I have received the message that I am conditionally pre-approved and I must call for more details. In the call, the Capital One Customer Rep stated I need to send additional information about my identity to prove that I am the person making the application. 

I have noted that Capital One have accessed my credit file, and made 3 hard inquiries with all 3 credit bureaus. After the inquiry has been made successfully, the credit file security lock was activated again. 

As a response to the request, I have sent few faxes with all documents requested, but with no success received. I have called again multiple times to confirm if my documents were received, but Ive been told the Fax images are not clear and I must send the documents again and again. In total, Ive send 3 different faxes ( in color and black-white ) and also Ive mailed an envelope with copies of my documents. 

On XX/XX/XXXX and XX/XX/XXXX, Capital One has made unauthorized attempts to access my locked credit file, only succeeding with XXXX. 
The result was my application for XXXX XXXX was declined.I am very disappointed with the Capital One and the overall application process for XXXX XXXX. 

I made multiple calls, sent faxes and mail, and lost a lot of time trying to clarify what I was told to be a sure thing. Above all, I am perplexedly disappointed that Capital One made another ( unauthorized ) enquiries on my credit file, without asking my permission. 

I had applied for this credit card in good faith, however it was done under the false pretense that I was " pre-approved '' - in the end all I have got was 4 hard inquiries and a lot of frustration and time lost. 
Respectfully, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is an identity theft pursuant to 15 USC 1681a ( Q ) ( 3 ) under the FCRA. I have filed an identity theft report pursuant to 15 USC 1681a ( Q ) ( 4 ). Just an FYI : I understand pursuant to 15 USC 1681c-2 ( c ) that you have the Authority to XXXX or Rescind. I assure you the information that I am presenting to you was not blocked in error. No material misrepresentation of the fact has taken place. If you believe that I obtained possession of goods and services, I need a senior XXXX member of this company to put it on an affidavit signed under the penalty of perjury notarized.
Product: Credit card

I am writing to file a formal complaint against Discover Credit Card regarding their unlawful freezing of my credit card account. On XX/XX/XXXX, without any prior warning or valid reason, Discover Credit Card froze my credit card account simply because I refused to provide my tax return information. It's important to highlight that I am not legally obligated to provide such documentation, especially considering that I neither applied for any new credit nor have a loan with Discover. 

I have been a loyal customer of Discover Credit Card since XXXX, maintaining my account in good standing since its inception. However, the recent actions taken by Discover are not only unwarranted but also highly concerning. Despite my repeated attempts to rectify the situation and clarify that I am under no legal obligation to provide my tax return, Discover Credit Card continues to withhold access to my account. 

This unjustifiable freeze on my credit card account has caused significant inconvenience and distress. It has impeded my ability to carry out essential financial transactions and manage my finances effectively. Furthermore, Discover 's refusal to address this matter in a timely and satisfactory manner reflects a blatant disregard for consumer rights and fair business practices. 

I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action against Discover Credit Card for their unlawful conduct. I request that Discover Credit Card promptly unfreeze my account and refrain from imposing such arbitrary requirements on their customers in the future.
Product: Payday loan, title loan, or personal loan

I have two loans with Lending Club : 1. Account No. XXXX 2. Account No. XXXX I made a payment 29 days ( by Certified mail with return signature card ) after initial due date of XX/XX/2018 for Loan XXXX. I have a signed return card with stamped time before XXXX XXXX on XX/XX/2018. They recorded it as received on XX/XX/2018 and they applied the payment to XX/XX/2018 payment and they have recorded that no payment was received for XX/XX/2018 payment. They are reporting falsely and fraudulently to the credit bureau that I am between 31-120 days late on my payment. Their accounting reporting online is unclear for interest calculation and also late payment calculation. They do not mail official payments such as required by every other loan company with the detail information of payments. I am requesting that they provide paper statements as required by every other bank and that they apply the payment they received on XX/XX/2018 to the XX/XX/2018 payment the way it should be. I did not realize until later that this loan company was affiliated with XXXX XXXX whom has been involved in so many fraudulent schemes in many year or else I would have not accepted this loan from this type of affiliated bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

Caliber Home Loans, Inc is reporting that I have fraud on my credit agencies report and I have not reported any fraud to any agency and have stated this. I did put a freeze on all my credit agencies account to make sure no one could use my credit. I have called Caliber on 4 different occasions since XX/XX/XXXX concerning this matter. I have spoken to customer service and no one has given me any explanation on this matter, my last call was today, XX/XX/2020 and I spoke to a XXXX agency number:XXXX who informed me she needs 72 hours to research this matter. 

Caliber has removed their account from all my credit reports causing my credit rating to drop and cause harm by hurting my chances for any type of credit being approved at this time. They have refused to tell me what type of fraud and give any proof of this fraud. They have requested personal information from me that I was told by the original lender XXXX XXXX XXXXXXXX, they received from them and can request directly from them again this information.
Product: Mortgage

Wells Fargo sent me a letter to inform my escrow is short. I sent a complaint the beginning of XX/XX/2022 requesting to issue me my escrow balance, but the lady refused stating the determination of my escrow is correct. I informed that there is no increase in taxes next year, and my escrow should be an overpayment for this year and not a shortage. She refused to look back the last few years, and told me to find the documentation and submit it to her. I shouldn't have to do that, so I am sending another complaint and provide the documentation from XXXX & XXXX to show what a refund needs to be issued. Wells Fargo needs to take a look at my last three escrow statements and see that a refund needs to be issued