23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I refinanced my home with Paramount Equity and used the money to pay my credit cards. Part of the requirement by underwriting to receive the loan I was told I had to close all of my accounts. I was also told to not pay any bills during the process of the paperwork. They had a third party person I had to contact so Paramount could verify I had closed my accounts. Today I found out that this process had ruined my credit rating and that this process was illegal. I am XXXX years old and I feel I have been taken advantage of illegally. The people I talked to today told me that this was the reason my credit score plummeted. He told me my score was under XXXX on XXXX score and the low XXXX on the other XXXX scores. He told me my credit score was near XXXX until this was done. Can I get some help.
Product: Money transfer, virtual currency, or money service

I have previously filed complained complained against the company regarding accounts that were deactivated and Response came back from PayPal saying the reason for closure my account was accessing via VPN ( a behavior unacceptable by the company ). I would like to note that my my usage of VPN is not for the purpose of anonymity but for the rather due to my access from foreign countries as I travel a lot and I was advised actually by member PayPal support to use VPN when accessing the account which seems to work fine for more than two years ) and yet it is claimed to be suspicious activity and reason behind account closure, I can't seem to wrap my head around this! 

I have reason to suggest the actual cause for account closure to be ( retaliation ). 
Days prior to this incident, I received a notice of a dispute by a buyer of my services and upon opening the dispute I noticed the buyer name to match my own name for a transaction between my own personal and business accounts, I was told that I have filed a dispute against myself and money was later removed from receiving account and not credited into the sending account, clearly suspicious action and suggestive of XXXX XXXX. 
I XXXX  About the incident and expressed mistrust in the PayPal dispute system/process and questioned legitimacy of previous disputes I had gone through and that involved thousands of dollars I lost. 

My account got restricted and later permanently closed following this XXXX so I feel strongly that the actual reason behind closure was retaliation against my action and not because of XXXX because I have used XXXX for more than 2 years without issues in the past
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a car loan with Ally Financial in 2018. Less than 6 months later the vehicle was totaled in an accident. The accident was immediately reported to the authorities and my insurance company. The next business day, it was also reported by me to the bank. I was told after I was placed in collections that the full balance of the loan would be fulfilled with the GAP insurance coverage. This was not the case. I have attempted for the last 2 years to have this account rectified. It is being reported as a charge of for the full amount of the loan, over {$15000.00} and GAP only covered about 50 % rather than the full 100 % as I was told by Ally. Suddenly Ally has no record of this account either in the service end or the charge off department. Nobody can explain to me why theres no record of this account yet its showing as a charge off with half of the balance having been paid. Its also not reflecting the payments that were made in the few months prior to the accident. I cant get this issue resolved because Ally has no record of the account, so how is it being reported to the bureaus? I was told after GAP pays out, it would be CLOSED with a {$0.00} balance. Ally representatives were very misleading! Unfortunately this is not the only horror story with Ally, they should not be operational.
Product: Credit card or prepaid card

In XXXX of XXXX, I received an alert that my Wells Fargo credit card payment was late. This was an alert from one of the credit reporting bureaus, and not an alert from Wells Fargo. Apparently, they thought it was more appropriate to contact the credit bureau before contacting me directly... 

This alert came as a surprise to me, because I hadn't used my Wells Fargo credit card for about a year. I also hadn't been receiving statements, so I had no visibility of what was occurring with the account. 

I immediately reported the fraudulent charges to Wells Fargo. Somebody investigated and sent me a letter. The letter said that the fraudulent charges would be removed. 

In XXXX of XXXX, Wells Fargo reported me to the credit bureau again. Apparently, they lied when they said the charges would be removed. 

I paid off the account at that time, to prevent further damage to my credit report. I had no idea the amount of the balance. I made my best guess, and apparently I overpaid a little. 

Fast forward to XXXX of XXXX. After many contacts with Wells Fargo, I finally get a complete copy of my credit card statements. But, they still have not refunded the fraudulent charges. 

I carefully reviewed the statements, and I was able to determine that all of the charges on the account were not made by me -- they were fraudulent charges. I submitted yet another claim, but this time I was able to provide details from the statement. 

And after many more contacts initiated by me, I've been thoroughly ignored.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX : XX/XX/XXXX SSN : XXXX XX/XX/XXXX XXXX Subject : Dispute of Outdated Bankruptcy on Credit Report Dear XXXX XXXX I am writing to formally request the removal of a bankruptcy from my credit report, as it has exceeded the legal reporting time limit under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681c. 



The bankruptcy listed on my credit report, filed under [ XXXX ] in [ XXXXXXXX XXXX XXXX was XXXX on XX/XX/XXXX. As it has been over [ XX/XX/XXXX ] years since the discharge date, this information should no longer be reported. 

The bankruptcy listed on my credit report, filed under [ XXXX ] in [ XXXXXXXX XXXX XXXX was XXXX on XX/XX/XXXX. As it has been over [ XX/XX/XXXX ] years since the discharge date, this information should no longer be reported. 


Please conduct an investigation and remove the outdated bankruptcy from my credit file immediately. I have attached a copy of my credit report, highlighting the bankruptcy entry, along with any supporting documentation. 



I appreciate your prompt attention to this matter. Please provide written confirmation once the bankruptcy has been removed. 



SINCERLY, XXXX XXXX
Product: Mortgage

I had a previous complaint against Statebridge Company LLC case # XXXX XXXX which they admitted fault and sent an email saying they contacted and corrected the reporting and asked to remove all negative reporting because the loan was current, So I tried again to refi and they only removed the XX/XX/XXXX Lateness, They left the XX/XX/XXXX Lateness on and ADDED a XX/XX/XXXX120+ day lateness to my report, Their faulty and sloppy reporting is costing me money as interest rates are going higher by the day, I've started this Process in XX/XX/XXXX its now Almost XX/XX/XXXX ... .. everytime I contact Statebridge they tell me I have a 5 Business day to get a response, This is so Unfair to me and unprofessional of Statebridge, They don't even deserve to have a banking license!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report is showing late payments to XXXX XXXX XXXXXXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX  customer service representative.
Product: Debt collection

My bank issued an overdraft statement from my checking account at XXXX XXXX XXXX XXXX in 2011. I called the XXXX XXXX XXXX XXXX and told them their was an error. They told me that the amount I owed was credited to me and I did not owe them any money and that the error was corrected. By mistake, they then sent the original amount I owed of {$360.00} to a collection agency. I called them and sent them a copy of my bank statement showing the credit. I phoned the Best Service Company and they told me they do not negotiate any debt no matter the circumstance. I ask that you investigate their collection practices and have them remove this item deleted from my credit report. I ask you to publish these results and publish the name of the Best Service Company under scam public knowledge. I have included the copy from the bank showing the balance was credited before it was sent to a credit reporting agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried several times to dispute accounts with the 3 credit bureaus. The accounts in question were reported incorrectly and some do not belong to me. Each time I have disputed the results are the same-no change, and they stated that the information is verified, however, I have personally emailed and even spoken on the phone with the CEOs or their assistants to get information on the accounts in question. After their investigation, which took days of research, they told me they are able to find the accounts in question and that there is not even any proof that I had accounts with them. So I can not understand how these credit bureaus can claim to verify information that the CEOs themselves can not validate. I have never received proof that these accounts are mine or being reported correctly. It is frustrating when these credit reporting agencies hold your financial life in their hands and they can not be trusted to do what they are there to do. The accounts in question are : XXXX XXXX XXXX- Account was opened XX/XX/XXXX and closed XX/XX/XXXX It had a credit limit of {$200.00} ( no account # listed on all 3 credit reports ) XXXX  XXXX XXXX- Account opened XX/XX/XXXX and closed XX/XX/XXXX. It had a credit limit of {$600.00}. No account # listed ( Transunion Only ) XXXX XXXX XXXX Account opened XX/XX/XXXX and no mention of when it was closed. Last activity was XX/XX/XXXX with a high limit of {$1000.00} and a balance of {$0.00}. No account # listed. ( XXXX  only ) XXXX- Account opened XX/XX/XXXX and closed in XX/XX/XXXX High balance of {$1500.00}, no account # listed ( Transunion and XXXX  ) - Sent to collections XXXX . I have disputed several times with no validation sent to prove this is my debt. ( All 3 bureaus ) XXXX- No account number listed. No mention of dates opened. No proof sent to me that this was my debt or why it is in collections. I have disputed several times. ( All 3 bureaus )
Product: Credit reporting or other personal consumer reports

XX/XX/year> I have frozen my Experian file. These two credit inquiries were made without my authorization. This is the reason I am going to keep my report frozen because I often dont apply for credit I like to space them out. But these two inquiries on my Experian report is illegal and needs to be removed asap. I will keep my account frozen until further notice. Please remove these illegal inquires off my credit report.

Under USC Sec 15 1681b,1682,1683,1684, 1028 FCRA and credit reporiting requirements these ILLEGAL inquiries needs to be removed asap as these ILLEGAL inquiries are hindering my process in securing a home as well. I am sitting at 737 Experian fico score 8 and I worked to hard to get here to let someone illegally try to obtain fraudualent accounts that were never authorized by me. 

Sincerely, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/year>
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX : XXXX XXXX XXXX  / XXXX :  XXXX XXXX XXXX : has violated my rights. 

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: Consumer Loan

Being charged on an account that was closed in good standing. Purchased auto after lease. Paid in full. Never any missed payments No outstanding liens with the state it was purchased
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT ON MY FILE. THIS NEGATIVE ACCOUNT HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNT. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY ME.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had already faxed Equifax my documents for proof that I am me. They refuse to do anything to fix this XXXX and are now telling you guys Im not the recognized account holder or authorized representative?????
Product: Checking or savings account

I accidentally sent money to the wrong person because there was no confirmation if for sending it or no and wasnt able to get my money back.
Product: Credit reporting or other personal consumer reports

Hello, I am requesting an investigation into these accounts, as there appears to be a misunderstanding regarding their accuracy on my credit report. These accounts were previously removed but have been re-added without my knowledge. I was not notified of their return, nor have I received any correspondence about this through the mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means XXXX has NOT complied with theFairCredit Reporting Act law and continued to report inaccurate information on my creditreport. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROMMY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

The company did not credit my account from the payment made from the dividends made off of my sercurities.
Product: Debt collection

Charge Offs are income. Congress states no income can be reported on ones consumer credit reports. According to 15 USC 1681 ( 2 ) ( a ) ( i ) no transactions or experiences can be reported. Income is transactions and experience. The IRS expects you to file it on your tax return as income. I should've received a 1099C or 1099A which I havent. NEVER gave any consumer reporting agency WRITTEN CONSENT to put anything on my consumer report which violates my rights as a federal protected lumer. NO CONSENT IS IDENTITY THEFT
Product: Checking or savings account

Hello my chime checking account was suspended because of fraud activity I linked my other bank account to my chime account and request to transfer money in my chime account my XXXX XXXX  refused to transfer the money and as a result chime suspended my account and I called them asking how I can get it back because I have {$500.00} in my chime account that I cant get access too but they wont let me into my account or unlock it and all of this happened on XX/XX/year> I am able to provide any information I just need my money out of the account
Product: Credit card or prepaid card

I used PayPal to purchase 2 XXXX XXXX XXXX e-gift cards ( each {$50.00}, I payed {$80.00} for total of {$100.00} ) from PayPal Digital Gifts on XX/XX/2018. However I'm unable to use the 2 cards for my online purchase now. One of them shows " XXXX balance ''. Another shows " gift card authorization declined ''. I called PayPal Customer Service this Monday, but was told both cards have " expired ''. I asked that gift cards should never expire and I was never notified any expiration date in the email/policy/terms. The CS representative kept telling me to contact " XXXX XXXX '' and they can not do anything about it. I asked whether I can talk with her manager, but she said " all the managers are busy right now ''. I tried to call PayPal again today, but was put on hold for almost 2 hours.
Product: Debt collection

Back on XX/XX/2019, I sent to the three major Credit Bureaus a request to stop collection activity in a Wells Fargo card svc account # XXXX, since this account was fraudulently opened, and Wells Fargo received the Police Report and FTC that the Credit bureaus sent them, but are still trying to collect and send me notices. 

I am demanding that Wells Fargo stop all collection activity and cease any collection or reporting efforts. Please help me to solve this issue since Ive been doing everything in my hands to fix this but Ive been ignored. 

Attached : - FTC Report - Police Report - Collection letter I got from WF
Product: Credit reporting, credit repair services, or other personal consumer reports

I DO NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM THESE ALLEGED FRAUDULENT ACCOUNT. BLOCK AND REMOVE THEM 15 usc 1681c-2 Pursuant to the fair credit reporting act. I DID NOT MAKE THIS IN ERROR I AM THE CONSUMER AND I DID NOT RECEIVE AND GOODS AND SERVICES FROM THESE CONSUMER CREDIT TRANSACTIONS This will be my first and last attempt to remove these unauthorized accounts from my consumer report before involving civil institutions. Under 15 U.S Code 1681b - Permissible purposes of consumer reports any consumer reporting agency may furnish a consumer report under the following circumstances and no other, the written instructions of the consumer to whom it relates. I never gave that consent, which violates my privacy. Second, according to 15 U.S. Code 6802, I have the right to opt out of reporting if non-public information is being furnished. One, I was not disclosed of that right by the creditor to opt out, Nor is the contract between the creditor and I public information. Per law, identity theft means non-consent. Please provide substantial documentation validating consent to furnish these accounts. Please block and delete the listed items immediately. 

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Debt collection

Received notification that a new account was reported to my XXXXn credit report on XXXX/17 XXXX XXXX XXXX reported a collection that I have no knowledge of. I have never done business with this company before, I also have no contract with this company. 
Never received any sort of documentation in reference to this company. I also called XXXX on three different occasions to rectify this information, was on hold for over 30 minutes and was unable to speak to customer service at any time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Okay Experian billed me for a trial product that I could not cancel on line or o er tge phone. They make it difficult. Finally got through cancelled asked for refund. They would not refund after explaining I couldn't get through a d I said I would file a complaint for refund they agreed to cancel paid membership and gra t refund. In the interim my score was XXXX and in retaliation they removed a free product called Experian boost a d it decreased my score to XXXX. I had already had the free service Experian boost prior to the trial membership. Then when I tried to re boost the removed my bank so that I can't re oist. What company does this ut is a big disadvantage that these company can control our lives. I need my boost back tgetook 28 points and tears not even the points I received from the boost so they took additional points that had nothing to do with boists.
Product: Debt collection

I don't recall having a contractual relationship with NATIONAL RECOVERY SOLUTION Account Number XXXX.
Product: Mortgage

RoundPoint Mortgage failed to pay my Insurance through Escrow for almost 2 months. About a month after closing, we needed to switch insurance policies from Landlord insurance, to regular property insurance because the seller was renting back the house for a month. This is standard operation for those who have post-possession clauses in their contracts. We canceled and switched policies on XX/XX/XXXX. We received a refund check for the leftover balance on the insurance account. My mortgage agent at XXXX said that at this point since my first payment was to be made with RoundPoint, that I must deposit the refund into the new Escrow account held by RoundPoint. This was done on XX/XX/XXXX. I then informed the insurance company of the updated mortgage company, and informed RoundPoint of the insurance policy # and the billing information ( this was slated to be officially switched over on XX/XX/XXXX - our first mortgage payment ). The insurance company then also billed RoundPoint for the Insurance balance through Escrow. Two weeks passed by and I am getting calls and emails from insurance saying that the premium has not been paid yet. This is strange, as I informed both companies of the updated information. I called RoundPoint, who confirmed that they are 7 days delinquent on the insurance payment. We conferenced in the Insurance company also, who provided an address for RoundPoint to OVERNIGHT a payment to. This was sorted out and we ended the call with RoundPoint confirming that the payment was slated to be over-nighted to the insurance company. About a week later I had submitted a request to close the Escrow account because I was frustrated with the Mortgage company not being able to do their job properly and decided it was better for me to just pay taxes and insurance myself in the future.

Again, 2 weeks passed and I am still getting notifications that the homeowners insurance premium has yet to be paid. This is strange, as the overnight payment should have been applied by now. I also noticed online that the Escrow balance has not changed, showing that either XXXX has not received the check or it was never sent. I called XXXX and confirmed with them they have NOT received the payment. I called RoundPoint and at this point they said there was nothing they could do because they already cut a check for the balance of the Escrow account to me. However, the insurance payment should have been sent 2 weeks ago, so not sure why it never got sent or received by XXXX. I ended up getting the money from the Escrow balance and paying the insurance premium myself since RoundPoint seems incapable to handle this feat. Which is surprising since this is something that a mortgage servicing company should be doing on a DAILY basis.
Product: Mortgage

refer to the email thread, money has yet to be received, still battling XXXX XXXX  and lack of funds available has caused hardship