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

On XX/XX/2018 XXXX XXXX PayPal Placed a limitation on my partners and I account. They requested documents that I submitted and even have phone recorded conversations that the rep admitted that they received all documents he just needed for me to resend an invoice that he couldn't see it that well. On XX/XX/XXXX PayPal closed the account saying they didn't want to do business with our company and they were keeping the funds on hold for 180 days. This isn't right especially when buyers have agreed with our store refund policy which states they can get a refund in 30 days. My partner added me to the account before they closed it I have updated On XX/XX/2018 we spoke to an representative from PayPal about adding me XXXX XXXX XXXX to the account the rep said ok she would email us to show how to do this On XX/XX/2018 XXXX is when we received the email showing how to add a user to the account. There isn't any reason for PayPal to be holding on to the for 180 days. We are requesting for them to release the funds and may it available to use in the 30 days that the buyer has agreed to. This is the second time I'm putting this request in because PAYPAL LIED and stated I wasn't on the account as you can clearly see I was added before the account closed and I have several phone recordings.
Product: Mortgage

I 'm having problems receiving mail from my mortgage lender. I 've been trying to get a modification on my loan for several months. The only way to know where I stand in the modification process, is by phone. In the last three weeks, I have been unable to get return calls. I was informed a month ago, by one of the acct managers that they had my mailing address incorrect. As of today I still have n't received any mail concerning their decision. I am having problem contacting my acct manager.
Product: Credit reporting

EQUIFAX-ABOSLUTELY HORRIBLE I have sent many requests, disputes and they keep adding duplicates of the same company ... 4 times ; REMOVE 1. XXXXduplicate-on my report XXXX times REMOVE 2. XXXX-duplicate on my report XXXX times-REMOVE 3. XXXX duplicate on my report XXXX times-REMOVE 4. XXXX-OK THIS IS THE CORRECT XXXX-leave on 5. XXXX OVER 10 YEARS OLD-REMOVE 6. XXXXOVER 9 YEARS OLD - REMOVE 7, XXXXOVER 15 YEARS OLD - REMOVE 8. XXXX -over 9 years old REMOVE 9. XXXXOver 9 years old REMOVE 10. XXXX-over 9 years old REMOVE
Product: Credit reporting or other personal consumer reports

name : XXXX XXXX XXXX SSN last XXXX : XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. this fraudulent, inaccurate and false information consists of a personal credit account opened at XXXX XXXX on XX/XX/XXXX account number XXXX {$740.00} another account XXXX  opened on XX/XX/XXXX account # XXXX {$250.00}. XXXX XXXX opened on XX/XX/XXXX account number XXXX $ XXXX account XXXX XXXX opened on XX/XX/XXXX {$1000.00}. An account XXXX XXXX XXXX opened on XX/XX/XXXX acount number is XXXX {$1200.00}. A loan auto loan from XXXX XXXX opened on XX/XX/XXXX account number XXXX {$9500.00}. these accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer credit report. ive attached a list of the hard inquiries in question ALL 45 hard inquiries showing on my report are as a result of fraud as well as a copy of the FTC criminal complaint report as none of the accounts above were not opened, made, or initiated by me. all of the aforementioned accounts are the results of identity theft and or fraud,
Product: Mortgage

B & B Funding contacted me in XX/XX/XXXX. Stating that they are going to foreclose on my property for a second mortgage that wasn't paid. I was advised that the second mortgage was charged off by the original lender. This was back in XXXX. I didn't hear a word from anyone regarding that second mortgage until XXXX. I thought it was canceled. The person I spoke to said I had to sell my property before they foreclosed on it. The person I spoke to wanted proof I had put it up for sale on the real estate market. He had me send him a picture of the listing, whish I did. He also said the property needed to be sold by a specific time frame. My property sold for {$500000.00} ( XXXX XXXX XXXX ). B & B Funding took {$220.00} ( XXXX XXXX XXXX XXXX XXXX ). The rest was paid to the first mortgage. I received a small amount. I was not aware of this bureau ; I would have contacted you if I was aware of this bureau. I believe it is a zombie mortgage. I was force to sell that was so UNFAIR.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX I mailed out letters to all three credit agencies XXXX, Experian and XXXX stating that I did not recognize several inquiries on my credit file which is unauthorized use of my social number/credit card. These unauthorized inquiries were furnished up to my consumer report without my consent. These agencies did not comply with their own policies in a timely manner with responding to my complaint within 30 days.
Product: Debt collection

I was referred to XXXX XXXX  for an XXXX  on or about XX/XX/22. I was written and called once about nonpayment. I told the agent that the VA was responsible for the debt, that authorized the service and responsibility for payment by virtue of a consult which they had on file. The agent didn't seem impressed and let me know in no uncertain terms that what I said was not the right answer, and the conversation was ended. Without attempting to verify what I said, they passed my file on to collections. Medical Data Systems the collection agency then reported me as a bad credit risk on XXXX to all credit bureaus, crashing my credit. Subsequently, I filed a dispute with the bureaus. Medical Data Systems after receiving inquiry from XXXX and the VA then doubled down on their action and informed XXXX at the VA that they do nothing to rectify the discrepancy, and that their action was justified. They continued they would not facilitate resubmitting the invoice for what I thought was personal reasons since the VA agent who sounded confused and dejected never adequately explained. I then went to XXXXXXXX XXXX  and found that the don't have a billing department, but billing is done by contractors at home. A very helpful cashier whom I will not name, put me in touch with another department that seemed equally bewildered vowed to look into the matter. However they couldn't guarantee a positive solution. I would like to know what legitimate protocols they followed in enforcing the action against me, and what I can expect as a fair and just resolution of what I consider a willful disregard for the greater good and reckless administration of power and discretion? Thank you
Product: Debt collection

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA XXXX XXXX & SECTION XXXX THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

Writing to delete information in my file. The items I need deleted are listed in my report. 
I am a victim of identity theft and did not make the charge. I ask the items to be deleted to correct my credit report. I reported theft of my identity to the federal trade commission and I also have enclosed copies of the federal trade commission identity theft affidavit. Please delete the items as soon as possible.
Product: Credit card or prepaid card

On XX/XX/XXXX2017 I filed a dispute with Western Union Netspend Prepaid Card company, regarding unauthorized charges, totaling {$320.00}, on my account. There were multiple charges. I sent a letter of dispute to the card company and after 10 days, they issued a provisional line of credit for the amount of the dispute. On XX/XX/XXXX2017 I received a notice from the company stating that {$200.00} of the dispute were found to be valid charges. The notice stated that my account would be charged for the provisional line of credit. The remainder of the charges ( {$110.00} ) were found to be unauthorized and the line of credit is made permanent. I am enclosing pictures of my letter of dispute as well as the notices I received. None of these charges were made or authorized by me. XXXX of the charges that was found to be unauthorized was made to the same merchant on the same date as the charge that was found to be authorized. I have contacted my card company concerning the results of their investigation and the representative insisted that the charge was valid and that the investigation is closed and ca n't be reopened. The representative informed me there is nothing else I can do. I then requested the account be closed, which they obliged. I do not want to be charged for purchases that I did not make or authorize.
Product: Prepaid card

I purchased a {$500.00} XXXX  prepaid gift card from my local XXXX store on XX/XX/year>. I went online and registered the card and tried to use it, but it was declined. I called the number on the back and they said it locked for fraud so they unlocked the card and I was able to use it. I tried to use it a second time and it wouldnt work so I called the number on the back of the card again. I was told again that the card was flagged for fraud and they deactivated the card. They told me, to fix the problem I needed to fax a picture of my drivers license and a picture of the gift card to a number they gave me which I was reluctant to send that kind of information. I asked them if I could give them my receipt and a picture of the gift card with my name and address and they can send me a replacement. They said they can not do that unless I fax them the information they want. I have dealt with identity fraud in the past and was uncomfortable sending that information through a fax machine. I keep calling and they keep telling me the same thing over and over again that they can not do anything About it. I called today to check the balance and they said I still have {$300.00} left on the card, but the card is still deactivated. It is so frustrating to deal with.
Product: Debt collection

This complaint is against Convergent Outsourcing , Inc, says credit is XXXX XXXX XXXX client account # XXXX - convergent acct # XXXX says owe {$1400.00}. I do not owe this, I have had issues in past years with my common name even at my dental office pulled wrong chart. There are 4 people in my town alone with same name. I for this reason froze my credit reports years ago and have not opened any credit card accounts. I have copies which I request yearly from credit bureaus this is not my debit. I get tired of trying to prove who I am that was another reason for credit card freeze. I wrote them letter XX/XX/XXXX, 2017 and all that did was make them send me another collection notice on XX/XX/XXXX, 2017. I have advised them I have contact credit bureaus possible identity theft and Federal trade commission.
Product: Credit card

The Current debit card was sent to me, I used it, paid balance and now the card company says they can not find my phone number or email address. The company will not assist me in any way I am afraid someone is using my card and I can not close the account. I can not even log in to view my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

A collection account XXXX was reported on the credit report of {$620.00}. This account does not belong to me. I have reached out to Experian in numerous occasions for several months.
Product: Debt collection

First I must say that there isnt a correct selection for a credit collector who is reporting a debt far outside the Statute of Limitations. NationStar has been reporting my Mortgage as late when they should not be reporting the account at all as it is well beyond the 7 1/2 year Statute of Limitations allowed by the FCRA. Section 605 ( c ) ( 1 ) which states the reporting period begins 180 days after the event that caused the account to become delinquent. Then the Statute of Limitations runs 7 years. This date does not change unless payment has been made by consumer which resets the clock. In a letter dated XX/XX/XXXX NationStar states without question, and I agree, that the Date of First Delinquency was XX/XX/XXXX. I have disputed this on 3 occasions with XXXX, XXXX and XXXX in the past 2 years and included copies of the NationStar letter showing the XX/XX/XXXX date. Each time Nationstar violated the FCDPA and FCRA by voluntarily and with malice reporting an invalid debt. In many discussions the folks in collections say they can not make changes to my Credit Reporting Agency files and only they can do that, and NationStar just keeps reporting a debt whose last payment was made 9 years ago!!!
Product: Mortgage

My mortgage company is not paying our property taxes. We are receiving notices of unpaid property taxes. This is the second year in a row. We have called and they have said the problem is fixed and the payment is sent and then we receive notice of forfeiture.
Product: Credit reporting or other personal consumer reports

Equifax is deficient in reporting this alleged entry, giving me no fair and equitable opportunity to challenge/correct it as inaccurate. They are denying my right under FCRA to contest this improper PCR entry.
Product: Mortgage

Issue 1 : I applied for Mortgage loan with Quicken Loan and they did my credit check and issued pre-approval and then we agreed for XXXX XXXX ARM loan@3.375 % for loan amount XXXX with estimated cash to close XXXX. I wrote an additional email to my mortgage consultant to get confirmation that estimated cash to close it correct and and if changes will be XXXX XXXX dollars and not significant. I got the rates locked signed documents for the above quote and have copy of the same with rate locked. On XXXX XXXX they uploaded another quote showing estimated closing cost almost XXXX which was a big shock. I was frustrated called mortgage consultant he said he will get it fixed but days went by nothing got fixed and I was concerned more, I kept calling and escalated till Director but no one helped they say that it was a mathmatical mistake and we cant do that.my decision is based on the quote which was locked on XXXX XXXX and I planned for only XXXX XXXX as closing and dont have additional to pay. I have talked to them but they are not helping at all and not honoring the quote we locked. 

Issue 2 : They mailed all my document containing my credit report, SSN, Date of birth, all my bank acocunts and credit card details to the New Property Address which has closing date XXXX XXXX instead of sending to my current address. They envelope went through many hands and when I finally I got it it was tampered and already open so all my confidential and credit information already got leaked. This is totally ridiculout and was also reported to Quicken Loan. 

Thanks, XXXX
Product: Mortgage

We have a 30-year home mortgage with Wells Fargo XXXX We applied to refinance the mortgage to a 20-year mortgage ( with a lower interest rate ). We locked in a lower interest rate. 

We filed our 2021 tax return on time, i.e., by XX/XX/2021. We sent Wells Fargo a copy of the tax return. After that, Wells Fargo said that they needed to verify our tax return directly with the IRS. We authorized the IRS to verify the return directly with Wells Fargo. 

Verifying our tax return was the only thing remaining before our refinancing would be approved. In fact, Wells Fargo designated a " closer '' to close the deal. 

The IRS is so profoundly backlogged, due to Covid, that they still have not " processed '' our tax return. This is a well-known national issue -- there are many news articles about this. As recently as the beginning of XXXX I called the IRS and was told we'd have to wait up to twelve ( 12 ) more weeks for the IRS to process our return! 

I informed Wells Fargo that we'd have to wait until the IRS cleared up its backlog enough to " process '' our return ( so that Wells Fargo could verify that, indeed, we had submitted them a true copy of our tax return ). ( Wells Fargo stated they did not believe we had submitted a fake tax return to them. ) Wells Fargo 's response to my informing them of my call with the IRS was to tell me that they were " canceling '' our refinancing application. 

XXXX XXXX, Wells Fargo 's Home Mortgage Consultant, with whom I had been working for the duration of this refi application, told me on a recorded call that he disagreed 100 % with Wells Fargo 's decision. 

We have spent money and time on this application. Additionally, interest rates have increased. 

We have not been dealt with in good faith by Wells Fargo.
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 : account # 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: Credit reporting or other personal consumer reports

This complaint to CAPITAL ONE AUTO FIN for allowing fraudulent inquiries on my credit report. As I checked my recent credit report, the unauthorized hard inquiries reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX.
Product: Checking or savings account

an unauthorized transaction appears on on my saving account, but i did not lose your card, security code, or PIN or had any of them stolen, i contacted Wells Fargo bank straight away and they told me that they were to investigate and get back to me. 5 days passed and I talk to a banker at my local branch and was told my case was dismissed and was denied as theft their for any money taken from my account wasnt refunded even though I have never reported any theft to any of my accounts. Nothing was return to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I see on my credit report there are XXXX inquiries from CREDCO on XX/XX/2022. This shouldn't be XXXX separate inquiries, it should be XXXX inquiry. I did not authorize XXXX inquiries on the same day.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have some account on my credit file that are not my and I have tried to fix the situation back in XXXX as when I first witness it. Accounts such as XXXX  XXXX, XXXX XXXX, XXXX, and XXXX XXXX XXXX. I would like this item remove off of XXXX XXXX and Equifax.
Product: Mortgage

On XX/XX/XXXX we were supposed to close on our loan application when I noticed that property taxes were still being escrowed on the XXXX form notwithstanding multiple requests to remove tax escrow in the past. I was pressured to close regardless with the assurance from the underwriter XXXX that removing escrow would be a mere formality after closing ( within XXXX days of receiving a written request ). This request was sent on XX/XX/XXXX and took XXXX weeks to get a refusal letter on XX/XX/XXXX. I am now told that escrow can only be removed prior to closing. The escrow removal assurance they provided on XX/XX/XXXX was a lie and a false pretense designed to get me to close on the loan regardless. XXXX  months of property taxes were also collected as part of closing costs.
Product: Credit reporting or other personal consumer reports

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 XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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 reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX and Dept of ED have fraudulent accounts on my credit profile that need to be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

this company capital one clams charged-off with a owed balance of {$650.00} and yet still reporting negative remarks on this account. This is a formal notice that your claim is disputed. you have false, inaccurate and incomplete information reporting on my credit report including but not limited to incomplete account number. I have been treated poorly, and financially hurt due to these issuesi recently got a copy of my credit report and i am shocked to see fraudulent information being reporting on my report wish has decreased my credit score wish has finaicailly hurt me! i am super upset because this has gotten me denied for a car that i need to get to and from work wish not i have been fired wish not im not even ablle to take care o me family. i need this issue fixed as fast as possible!
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by the silence XXXX. XXXX  XXXX ( XXXX ) XXXX XXXX presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( Please remove this account before I seek litigation for defamation of character ). XXXX XXXX XXXX XXXX {$1300.00}