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

Please be advised that I will need to contact the President 's office if the appropriate steps are not taken in my complaint. I believe the company is supposed to respond and the CFPB are supposed to follow specific steps for a solution between the constituent and the company. I have not received an explanation as to why my account was abruptly permanently limited. I feel this is a sort of bias discriminatory treatment towards my PayPal account. I believe the company should provide an explanation. I know if this were a court judge would expect proof, an explanation. Also, if my account is limited why is their company storing, holding on to my personal banking information if I am unable to use my account. I have a right to not want my personal data kept for security purposes. It is my personal banking card and banking information. I noticed it has not been deleted. They should delete my personal data and close the account. This is not a duplicate complaint as this specifically involves my account that has been limited. There has not been a response related to this specific complaint, So the CFPB needs to make sure they are not overlooking important matters which concern constituents. I have not seen other PayPal user customer 's account limited as mine. Some of them have much more activity on their accounts. Therefore, I am seeing the handling of my account in a discriminatory bias way. I lost rental income at the time they abruptly limited my account. I was told I should present my tenant rental lease agreement to the court for review. They pay me rent via PayPal, XXXX, XXXX. I own properties and rent out those properties. So, their bad treatment towards me as a user and customer caused me to lose important income from my tenant 's.
Product: Mortgage

I applied for a refinance mortgage with a company called LoanDepot. The loan was approved and scheduled to fund XX/XX/XXXX. I received an email indicating that loan funded and the title company XXXX XXXX XXXX would be sending a wire to my existing mortgage company, XX/XX/XXXX. As of today no wire transfer has been sent. 

I've emailed the loan processor and numerous others at LoanDepot for assistance. No one responds to emails. I sent email on XX/XX/XXXX, XX/XX/XXXX, and again on XX/XX/XXXX. I finally received a response late the night of the XXXX indicating that the wire would be sent. Still nothing. The loan processor is named XXXX XXXX. 

I now have two loans i'm responsible for from XX/XX/XXXX. I'm worried about my credit as one of these loans should have been paid off by the refinanced amount. I can be reached at XXXX or emailed at XXXX XXXX
Product: Debt collection

MEDICAL DATA SYSTEMS , INC . 
3 individual accounts on my credit profile.

1st Account : {$370.00} 2nd Account : {$230.00} 3rd Account : {$63.00} I have absolutely no knowledge about this account and has taken an extremely negative effect on my credit report.
Product: Credit reporting or other personal consumer reports

I have been denied credit based on unverified public records, I reviewed my credit report and noticed that US Bankruptcy Court, District Court of Maryland has a public record on my report. I have requested the Experian XXXX and XXXX to provide how the information was verified. The US bankruptcy Court District Court of Maryland can not provide the procedures in which they verified this record with the credit bureaus. 
With this information not verified, I'm requesting it be removed from my credit report immediately. 
XXXX, Experian nor XXXX can not verify how information was obtained.
Product: Credit reporting, credit repair services, or other personal consumer reports

there are alias names and previous addresses that need to be deleted as I never used the see XXXX  XXXX  attachment
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : On XX/XX/2020, XXXX, XXXX, and Experian are reporting inaccurate and unverifiable information on my credit report. Please see accounts and its details below that are deemed incorrect on my credit files. 

FOR XXXX 1. HIPPA VIOLATION REMOVE XXXX XXXX Account Number : XXXX Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule 2. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
3. Account Number : XXXX The Monthly Payment, Terms, Credit Limit, and Date of Last Payment are missing in this report. I demand this will be deleted.

FOR Experian 1. HIPPA VIOLATION REMOVE XXXX XXXX Account Number : XXXX Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule 2. XXXX XXXX XXXX XXXX Account Number : XXXX The Monthly Payment, Terms, Credit Limit, and Date of Last Payment are missing in this report. I demand this will be deleted.

3. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
4. Validate Account XXXX Account Number : XXXX Please supply information on how you have verified this item. 

FOR XXXX 1. HIPPA VIOLATION REMOVE XXXX XXXX Account Number : XXXX Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule 2. Validate Account XXXX Account Number : XXXX Please supply information on how you have verified this item.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting incorrect last payment date for transunion it states the last payment was XXXX XXXX and for XXXX it states the last payment was XXXX XXXX please verify and delete all inaccurate information
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts are not mines and some are 7 years old or more. 

XXXX XXXX XXXX XXXX XXXX Closed : XX/XX/XXXX + {$1000.00} Closed XXXX XXXX XXXX Closed : XX/XX/XXXX + {$200.00} Closed XXXX XXXX XXXX XXXXNeeds Attention Last reported : XX/XX/XXXX - {$3000.00} In Collections/Charge-off The three collection below are not mines and I disputed prior to being posted to credit report. Some have been re-posted to report after being disputed and deleted. 

COLLECTIONS XXXX XXXX XXXX Last reported : XX/XX/XXXX + {$5900.00} Needs Attention XXXX XXXX XXXX Last reported : XX/XX/XXXX + {$3800.00} Needs Attention XXXX XXXX XXXX Last reported : XX/XX/XXXX + {$310.00} Needs Attention
Product: Checking or savings account

My account was suddenly and abruptly closed no reason nothing i have never did anything bad with account never negative always high amounts closed for no reason its frustrating now my funds are being held with td bank need help
Product: Mortgage

I was approved for a HELOC on XX/XX/XXXX with Citizens Bank. I attempted to get a rate lock on XX/XX/XXXX, however, I was transferred many times and told that a rate lock was not possible. My contract states, you may lock some or all of your outstanding principal balance into a fixed annual percentage rate. I finally received the number to the loan office department, XXXX XXXX XXXX XXXX. The number they gave me was XXXX. The recording at this number identifies itself as the home equity lock desk, however the call drops off. There is no ability to leave a message. I called back XXXX and spoke with a XXXX XXXX, who stated a lock is possible, however, my existing interest rate of XXXX would go up XXXX percentage points. He stated he would call me in several days. I did not receive a call from him. I called again on XX/XX/XXXX and spoke to an XXXX, reference number XXXX and he took my information down and stated someone would call me in the future. Im tired of this runaround and would like to have a resolution. My contract clearly states that I am able to get a lock on my loan, but citizens bank does not appear to be honoring this.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information has been leaked, along with approximately XXXX XXXX other people, by Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, ME XXXX XXXX XXXX XXXX XXXX ME XXXX XXXX XXXX XXXX XXXX XXXXXXXX, ME XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance XXXX {$670.00} XXXX XXXX XXXX XXXX XXXX XXXX, ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ME XXXX XXXX XXXX XXXX XXXX, ME XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$17000.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$500.00} XXXX XXXXXXXX Balance : {$190.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$1300.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$670.00} XXXX XXXXR ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$260.00} XXXX XXXX XXXX XXXX XXXX, ME XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Checking or savings account

On Thursday XX/XX/2022 we noticed that our account had been accessed by someone we do not know and did not authorize and we had XXXX dollars in our checking and savings account. Our account was accessed and {$2100.00} was transferred from our savings account into our checking account and a total of {$3300.00} was unauthorizedly spent from our account via 102 XXXX XXXX transactions. The transactions do not say where they went or how they were done. A call was placed to Wells Fargo fraud department immediately and we submitted a claim and had our online banking access suspended and our debit card cancelled. On that night we asked for our bank account to be closed which it was not we found out on XX/XX/XXXX when we physically went into the Wells Fargo branch. On XX/XX/XXXX our account was frozen. XX/XX/XXXX was a Friday and our check had been deposited via direct deposit, because of the unauthorized transactions I was only able to {$2800.00} of the {$3000.00} amount of the check we were supposed to get. On XX/XX/XXXX we received a check for {$3300.00} with a letter stating Wells Fargo is temporarily crediting us with the amount stolen from us. Every week since XX/XX/XXXX we have called to seek updates on our claim, we call multiple times a week and we receive the same answer, that our investigation is still pending. The most recent call to Wells Fargo was on XX/XX/XXXX. The money that was stolen from us was for our mortgage payment due XX/XX/XXXX and money in our savings for emergencies. This was our money that was stolen and Wells Fargo has not resolved our case approving our claim so therefore we can not guarantee that the money the temporarily credited is for us to use to pay bills.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of identity theft and unauthorized use of my personal information. I respectfully request that you block and permanently delete all the accounts and inquiries listed below from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ).

As stated under these provisions, I am entitled to have any information resulting from identity theft blocked from my credit report. I am asserting my rights under these federal laws to ensure that my credit report reflects only accurate and legitimate information. 
Accounts to be Blocked and Deleted : XXXX. XXXX XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX o Date Opened : XX/XX/XXXX o Balance : {$5200.00} XXXX. XXXX o Account XXXX : XXXX XXXX XXXX XXXX o Date Opened : XX/XX/XXXX o Balance : {$2700.00} XXXX. XXXX XXXX  XXXX XXXX Account Number : XXXX XXXX XXXX XXXX o Date Opened : XX/XX/XXXX o Balance : {$14000.00} XXXX. XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$8700.00} XXXX. XXXX  XXXX o Account Number : XXXX XXXX XXXX o Date Opened : XX/XX/XXXX o Balance : {$9200.00} XXXX. XXXX XXXX o Account XXXX : XXXX XXXX XXXX XXXX o Date Opened : XX/XX/XXXX o Balance : {$1100.00} XXXX. XXXX XXXX o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} XXXX. XXXX XXXX o Account Number : XXXX XXXX XXXX o Date Opened : XX/XX/XXXX o Balance : {$6100.00} Unauthorized Inquiries to be Removed : XXXX XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Ive tried contacting this company several times through mail and CFPB and nothing is ever rectified. They say they have done a fool investigation and put the same numbers back on my credit report.
Product: Credit card

After more than ten years Chase closed my 3 credit card accounts claiming that I had disputed too many transactions. The representatives I had with whom I spoke about many of these transactions were receptive to my requests and in no way expressed to me that I was violating any policy. I had no idea that my cards were being closed I assumed that the machines were malfunctioning. I disputed XXXX which was bundled into XXXX and had been quietly charging my card XXXX XXXX XXXX for a year. XXXX which I had to cancel five times in five months to stop charging me {$45.00} for a service I never activated. One inquiry would reveal itself to be many and I explained that to Chase and they pretended to be on my side. They closed all 3 cards. ( XXXX, Southwest, XXXX  ) Then while I am paying off my closed cards I started getting emails and ads within the Chase app baiting me to get a new Chase card. I eventually decided to accept the offer and get approved immediately. My credit score was really scarred from the closing. I was house hunting and talking with lenders, the last thing I needed was a hit to my credit score. This new Southwest Chase card approval was a little baffling but I felt like it was a step in the right direction. I began using it and setting it up for automatic payments to pay for my utilities and as my primary card like I had before. After a week or two they closed my new card. When I called even the customer service agent seemed confused as she told me that the explanation given was that I disputed too many transactions.
Product: Credit card or prepaid card

On XX/XX/2017, XXXX charged my credit card promising the creation of a Brand Of products to be sold online, especially on XXXX. The couching sessions, bonuses, and other promises never materialized. 
Attached you will find documentations showing my repeated attempts to get the money refunded and the FTC suit against the XXXX XXXX. 
BARCLAYS bank claims that since I paid the balance in full, I can no longer claim a refund.
Product: Credit reporting or other personal consumer reports

In accordance with Section 602 of the Fair Credit Reporting Act, 15 USC 1681, it is imperative to ensure that consumer reporting agencies carry out their responsibilities with fairness, impartiality, and a profound regard for consumers ' privacy rights. Notably, XXXX and Experian serve as consumer reporting agencies, and I, as the consumer, possess the right to safeguard my private information. This right is substantiated by Section XXXX of XXXX XXXX, which articulates the congressional policy that financial institutions must continually respect customer privacy and safeguard the security and confidentiality of their nonpublic personal information. Importantly, entities referred to as " Furnishers of information to credit agencies '' fall under the definition of financial institutions within this framework. 
Section XXXX, subsection XXXX, of XXXX XXXX XXXX establishes that a consumer reporting agency XXXX furnish a consumer report only under specific circumstances, chiefly when acting in accordance with the written instructions of the concerned consumer. Regrettably, neither the financial institution nor the consumer reporting agencies, XXXX and Experian, have obtained my written consent to disseminate this information. Indeed, they lack any form of my consent for such actions. 
I hereby revoke any and all permissions, whether implied, verbal, non-verbal, written, or otherwise, for XXXX, Experian, and any entity classified as a " Furnisher of information to credit agencies '' to share my information. Section XXXX ( b ) ( c ) of XXXX XXXX stipulates that a financial institution can not disclose nonpublic personal information to nonaffiliated third parties unless the consumer is provided with an explanation of how to exercise the nondisclosure option. Regrettably, " Furnisher of information to credit agencies '' never informed me of my right to exercise this nondisclosure option. 
Furthermore, Section XXXX ( a ) ( XXXX ) of XXXX XXXX clearly specifies that a consumer reporting agency XXXX not include certain adverse information in a consumer report unless authorized under subsection ( b ). This account, which is being reported without my consent, qualifies as an adverse item and is therefore in violation of the law. 
Additionally, XXXX5 U.S. Code 1681s2 ( a ) ( 1 ) asserts that it is impermissible to provide inaccurate consumer information to a consumer reporting agency when one knows or has reasonable cause to believe it to be inaccurate. Meanwhile, Section 1681e mandates every consumer reporting agency to uphold reasonable procedures designed to prevent violations of Section 1681c and restrict the provision of consumer reports solely for the purposes outlined in Section 1681b. XXXX and Experian appear to be falling short in adhering to these reasonable procedures. 
Furthermore, as per XXXX CFR XXXX, a consumer maintains the right to opt out at any time. In light of these circumstances, I am hereby opting out of your reporting services.
Product: Checking or savings account

Chime/XXXX  XXXX refused to approve my claim for {$1200.00} for a fraudulently charged on XX/XX/year>. I have filed a police report with my local jurisdiction and they still denied my claim twice. This has been a horrible experience and this company needs to be exposed for their criminal practices.
Product: Credit reporting or other personal consumer reports

I sent a letter on XX/XX/2023 ( USPS Tracking Number XXXX XXXX XXXX XXXX XXXX XXXX ). The company only removed one of the inaccuracies ( XXXX Account number : XXXX ) and has yet to provide verifiable proof of the investigated accounts which is required by FCRA law. The company is illegally reporting inaccurate information ( XXXX XXXX Account number : XXXX, XXXX XXXX XXXX Account number : XXXX, XXXX XXXX XXXX Account number : XXXX ) on my credit report. Today makes 32 days since I requested the information in which they have yet to provide. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Under the FCRA, unverifiable accounts must be removed if you are unable to provide me with a copy of verifiable proof. Under federal law, you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your investigation. None of the information was provided within the time frame. The reporting practices that they are observing is illegal.
Product: Credit card or prepaid card

I have been a Synchrony Bank customer for several years with their credit cards and a savings account with over {$20000.00}. Synchrony closed 9 of my credit card accounts due to being a poor risk. 2 were Mastercards with the other 7 cards being store specific. My credit score is over 700 and I have never, ever made a late payment on any of the accounts. The total available credit on those accounts was {$62000.00} and my outstanding balance on the 9 cards totals {$920.00} for a 1.49 % credit usage rate. I was just issued the XXXX Mastercard 2 months ago and they now closed it. 8 of the 9 cards have had credit line increases in the last 60 days. My Lowe 's card had XXXX credit line increases in the last 60 days. I have requested numerous times for a possible increase in the Amazon card limit and was always denied. In the last 60 days my Amazon card was awarded a credit line increase by Synchrony. Several of these cards were issued when I was a XXXX XXXX  and I now make almost 3 times the money I did when those cards were issued. I feel I have been treated very, very unfairly by Synchrony Bank in their decision to close all the credit card accounts and I pose no credit risk to them whatsoever so I don't understand at all what they did!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to switch over to XXXX to get a better monthly plan and also was able to get a brand new XXXX XXXX but when I was there they just treating me as a quick sale didn't tell me anything about the phone 's especially about the back of the XXXX How It's Made of pretty much glass and we'll always shatter so they never told me that I should get a case immediately so I ended up cracking it the first day in two hours and it overheat and I told him, at XXXX in XXXX XXXX. all these problems I told her and they said they're bringing my phone, they had my old phone and then they have me for 2 hours there can I love doing a factory reset and took out all my pictures contacts videos over the last 12 years of my family friends people that are no longer with me pretty much told me oh well so after the service ran out I was all set with them and I'm still am and I'm looking to counter Sue because I have no way of getting those pictures back and I would like to know what I need to do for steps to actually Sue or  counter-sue and I would also like to see this dropped immediately it's just seems like no one 's caring about what happened to me
Product: Debt collection

I sent XXXX XXXX a certified letter asking for proof of verification and I never received an answer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian sent an alert showing that a new account was opened with my local credit union. I called the credit union, and they told me no such account was created. So, confused, I tried contacting Experian to see what information they were getting, and whether somebody else was trying to open an account in my name. 

Nothing in their robot phone tree addresses my issue, they refuse to redirect me to an operator, and their online system was non-functional. So now I have no idea who to contact or how to resolve the possibly-fraudulent alert.