23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting 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 an alleged fraud or extortion.
Product: Money transfer, virtual currency, or money service

In XX/XX/2019 my PayPal account was illegally accessed by an unknown fraudster. The fraudster initiated a electronic transfer from my primary bank account to my PayPal account for an amount of {$1000.00}. I became aware of the fraud when I attempted to use my debit card. I contacted Paypal to report the fraud and received confirmation from Paypal, same day as it was reported, that the fraud was confirmed and the transaction would be cancelled. However, on XX/XX/XXXX Paypal notified me that the {$1000.00} transfer was successful and funds were available in my Paypal account. To prevent further fraud, I immedately initiated a xfr of the {$1000.00} from my Paypal account to my bank account. Paypal activity reflects this transaction was processed on XX/XX/XXXX. 

In XXXX, I attempted to close my Paypal account following the sucessful fraud but Paypal had locked down my account which prevented my intended action of account closure. My account was locked down so that I could not initiate any transactions in or out of my Paypal account, can not close my account, or take any other action other than to take steps for verify my account. I have completed each of those steps and I am in the process of waiting for ACH transactions to post to my bank account to finish the verification. As of the date of this complaint those transactions have still not posted. 

After all of this, I received a notice from XXXX XXXX, XXXX, a collection agency, stating that Paypal has placed my account with them for collections in the amount of {$1000.00}. I never received a single late notice or delinquency notice from Paypal, either in writing or electronically. Also, even if I was aware and prepared to pay the so called delinquent balance, Paypal prevented me from doing so until they process the trial transactions as part of the account verification step.
Product: Mortgage

Ocwen is my mortgage company. every year they give me an escrow disclosure statement. These are projected escrow payments that they keep low balling me on. They underestimate the escrow payments then at the end of the year, they want me to send them a lump sum of money to keep my mortgage payments the same. This year, we overpaid my property taxes and I have a refund of {$1100.00} which I have filed the paperwork to get back. I have a homestead exemption, a senior exemption and a senior freeze. My mortgage company has estimated that I will be short by over {$2000.00} and they want me to pay them that lump sum. I called them to complain so the recalculated the " estimated shortage '' and now they want me to pay XXXX. They gave me a refund from Last years estimate so I paid an extra {$40.00} to my mortgage payments so I wouldn't be short but low and behold, this is when they say I'm {$2000.00} short. I want them to stop playing with my mortgage payments with these escrow estimates that are never right and they are always asking me for a lump sum of money. These are projected escrow estimates that they are basing my mortgage payments on. By the way, I wonder why my PMI payments never get any lower?
Product: Debt collection

Credit Management LP claims that I owe a debt to XXXX XXXX, which has already been paid, to the account. 

The account has been closed, and the debt has been settled with the original debtor. I kindly request that they cease sending me mail regarding a debt that has been fully satisfied. Additionally, I would like to receive proof of their status as the original debtor and request that my personal information no longer be sold to other companies for the purpose of pursuing a debt that does not belong to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Transunion, I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package, FTC Number is XXXX. 
I became a victim of Identity theft, I have obtained my credit report from one of websites that offering free credit report and after carefully researching I realized that some person or persons or maybe organization have tried to applied for credit cards or loans on my behalf. I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency, and that they would not file the report because I didnt have any information on the person who used my information, nor did I know how my information was obtained by this person. 
Inquiries that are made by someone else without my authorization is not a factual record of access to my credit file, it is a factual record of fraudulent activity, and it must be addressed as such. The reason that these inquiries are being disputed is because they were not made by me, and when I report this to you, it is your responsibility to investigate my claims, and when you can not prove that these inquiries were made by me, they must be removed from my credit file. It is not my responsibility to go directly to each creditor, the obligation lies at your feet because you are reporting inaccurate information within my credit report, and this violates the FCRA. 

It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. As a consumer I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore inaccurate information in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from out of my credit file. 
Here are these unauthorized hard inquires : XXXX XXXX XXXX XXXX XXXX  XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021 XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2021 I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency, report accurate and/or correct account information within my credit file. My credit issues are very specific, these items do not belong to me. This means that you are reporting incorrect information within my credit report. It is with this in mind that I request that these listed items be DELETED!
Product: Mortgage

My wife and I closed on a cash our refinance of our primary home on XX/XX/2022 with Fidelity National Title for a cash out amount of just over XXXX. At the time of closing we were told that we had a 3 day right to rescind because this is our primary home and the home was paid off so the funding date would be XX/XX/2022. The title company told me that the transaction was to be completed in full on the XXXX  but that did not happen. I contacted the title company today XX/XX/2022 to get an update on where the fund were and the receptionist I spoke with told me that he could see a request had been made but there was no confirmation. He called me back an hour later and told me that they now had confirmation and the funds should be available later today. I have worked in the financial industry for some time and know how the process works with funding of mortgages and the process was not followed in this instance as the XXXX cut off was missed, an extension was not granted or completed in allotted time, and I was not alerted to any issues that had come up. I know there are many companies in the industry that toe the line to ensure profits are as high as possible but had I not reached out to them there is no telling how long they may have taken to process the mortgage.
Product: Credit card or prepaid card

I have a loan with WELLS FARGO DEALER SVC XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX  and WELLS FARGO DEALER SVC with no successful resolution. XXXX, XXXX  and XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late for three times.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX   XXXX   has harassed me at work stalked me and tried to sue me twice they also told people at my place of work that I wont pay my bills and follow me to car shows and tell people at car shows I owed them money and would n't pay it, for 2 loans that were signed over to someone else back in  XXXX . I bought a car off of a guy with a personal loan and took out a second personal loan for tires for the car. theses were  XXXX  and  XXXX  in  XXXX  I put the car up for sale the gentlemen that I bought it from wanted it back so we agreed he would take over the  2  loans he could have it back. we went to the bank the loan  officer  had us both sign paper work. They gave him a payment book in his name and it was suppose to be out of my name at that point. well he stopped payment on them and     XXXX   XXXX   tried to sue me bank in  XXXX  and lost the law suit. so I thought this was all done and over with. I checked my credit in  XXXX  they were still ruin my credit saying I owed for this loan I  XXXX  they try to sue me again and drop the case after I counter sue for {$5000.00} and court fees. I talked to the branch manager of  XXXX  WV and she told me we can see in the notes where this took place and  XXXX   XXXX  was suppose to be reliable for theses account but we cant find his paper work and we fired the women that done the loan transfer and the gentlemen that harassed and stalked you. they have damaged my credit big time!! because they lost the paper work on this guy is not my problem the loans were signed over to him.
Product: Mortgage

Subject : Response to Wells Fargo Letter dated XX/XX/XXXX CFBP Complaint ID XXXX concerning account XXXX To whom it may concern, Paragraph titled Termination of business with Wells Fargo and restriction on account ( HELOC ) I have reviewed your letter with the enclosed HELOC contract agreement and disclosure statement. The following clause from the terms and conditions of the Open Ended Mortgage agreement is referenced in the letter for restricting my account : Based on our review, we have made the decision to restrict your use of your account due to your action or inaction which has put our interest in the collateral at risk. This statement does not help me understand why my HELOC account is restricted and Wells Fargo will not let me draw from the account even though my account is current, my property value has increased from the origination of the HELOC in XXXX to $ XXXX and the balance on my primary mortgage is only $ XXXX. According to the open ended agreement, the note does not come due until XXXX and I am contractually able to draw on the account until XXXX. I hope the fact that I am XXXX and retired were not factors in Wells Fargo determining that I am too risky. 

Upon reflection, I remembered that in XX/XX/XXXX, the Wells Fargo/Wachovia HELOC was issued at the same time as the home mortgage with Wells Fargo/Wachovia. Since that time, I refinanced my primary mortgage with XXXX and then XXXX transferred my loan to other loan servicers ( XXXX XXXX being my current loan servicer ). As such, Wells Fargo may not have been informed by the other loan servicers of the transfer of the mortgage of my primary residence. 

I am able to provide the following documentation to be in compliance with the terms of the open-ended mortgage agreement : Latest mortgage loan statement from XXXX XXXX indicating satisfactory payment of mortgage, real estate taxes, and insurance for the lifetime of the XXXX ARM serviced by XXXX. 
Current NJM Home Insurance Policy Declaration Endorsement indicating that XXXX XXXX  is the Mortgagee Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I do NOT recognize these credit inquiries nor do they belong to me.
Product: Credit reporting

I have disputed with Experian and this information about a collection from XXXX remains on my report. I recently received a response from XXXX which responded on the CFB case # XXXX that they would remove this collection.
Product: Checking or savings account

I closed the account in XX/XX/XXXX. XXXX checks tried to be cashed in XX/XX/XXXX. 
I was never contacted by the bank. My first knowledge was phone calls from Best Service Company. I immediately contacted the bank and was told about the XXXX checks. I ask that they verify that they actually paid the checks. The next day I received conformation the bank has paid the checks and debited my account which had caused an overdraft. I sent the bank funds immediately to cover the overdraft which the acknowledged. They also said they contacted Best Service Company to stop calling and threating me to put derogatory credit information on my credit reports. I am still receiving calls from them. 

Another strange thing is when Best  would call they gave me a phone number to call back, When I would call back they would not talk to me about the problem with out me giving them my SS number, which I never give out over the phone. Giving them their own reference number was not an option.
Product: Debt collection

On XX/XX/XXXX I was sent a collection attempt for an alleged medical debt from Revco Solutions in the amount of {$150.00}. On XX/XX/XXXX I had emailed their management office a request for them to provide supporting documents from the original creditor to substantiate the medical debt. I was very detailed in my request and explanations to the company. On XX/XX/XXXX Revco solutions sent me another letter and collection attempt for an additional {$120.00} and refuses to provide the requested documents to substantiate the alleged medical debt. my name which is unique is often confused with other people named XXXX or XXXX. I do not recall any treatment or date of service on the dates they have listed. I have requested a copy of my signed consent for treatment and billing and other financial assistance documents. I have full medical/medicaid insurance and I feel that this is a fraudulent billing attempt. Instead of the company providing the requested documents and proof of the debt being valid they think I should send them proof I paid the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently contacted Experian via dispute process if several items incorrectly reporting in my credit file the items and there incorrect information are noted below 1. A bankruptcy filing is listed the item was disputed and removed from the file in XX/XX/XXXX the bureau has added the item back to my file but did Not provide the 5 day notice to me as they are required by law to provide 2. XXXX XXXX account listed in report doesnt have correct term shows 1 month no last date of activity and No historical payment history 3. XXXX XXXX XXXX # XXXX shows no historical payment history no last date of activity 4.XXXX XXXX # XXXX shows no historical payment history, no term last updated XX/XX/XXXX 5. XXXX XXXX # XXXX last updated XX/XX/XXXX no historical payment history and no term All items above were previously deleted and added back to file without the required 5 day notice to me the consumet
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I had a family member steal a lot of money from me. I could no longer pay my bills and I did not want to claim bankruptcy. I chose XXXX XXXX to help me with my bills. I owed Mariner Finance {$2400.00} which I was paying {$130.00} a month on. XXXX XXXX attorneys made a settlement for me with Mariner to pay {$200.00} a month for 12 months to pay off the {$2400.00}. The last payment was made XX/XX/XXXX. Mariner refuses to update that this account to the credit agencies. Two agencies say I owe Mariner {$320.00} and another says I owe Mariner {$770.00}. I have paid them every XXXX I owed them and I have disputed with all 3 credit agencies, XXXX, XXXX and XXXX. They all tell me Mariner has told them I owe them money. They refuse to fix this problem and I have asked for them to send me a letter stating that this is paid in full and they refuse to do so. I do not know how they can get away with these kind of practices. The only thing I have to show I have made these 12 payments is what I printed off the computer from XXXX XXXX. I hope you can help because I do not know what to do anymore. 
Thank you for any help.
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX
Product: Debt collection

Wakefield and Associates has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reporting act XXXX  account XXXX XXXX account # XXXX, XXXX  XXXX account # XXXX, XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX account XXXX XXXX, DEPT of Education/XXXX  account XXXX XXXX, XXXX XXXX XXXX account XXXX XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX attempt to get this matter solved but I guess my request is just being ignored. The current status and the number of late payments in the payment history is incorrect. I never missed a payment. Experian should provide documentation but they failed to neither verify nor update me about these complaints. I believe the bureau is violating Sections 616 & 617 of the FCRA and has abrogated my rights by reporting false information. Please update or remove the late payments from this account for it has affected my well-being. 

XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing in regards to a private loan that is reporting incorrectly on my credit files/reports. On at least one occasion I have disputed the validity of the information being reported for this account and the dispute always comes back as unchanged and the account information being reported has been verified.
The issue was clarified in the XX/XX/XXXX amendments to the FCRA, which set a specific starting date that is now SET BY LAW as the last deliqency date, and not later dates, such as a DOLP.
FCRA Section 605 : ( c ) Running of reporting period.
( 1 ) In general. The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) ** of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action.
Late Payments - Seven years from the month in which the late payment was due. If there are multiple late 
payments in one account item, then they will each expire individually.
Charge-Offs - Seven years. The time runs from the date of the delinquency, plus 180 days. For example, if a payment was due on an account on XX/XX/XXXX, but the debtor defaulted, and never caught up to become current again, and the account is eventually declared a charge-off by the creditor, then the seven years reporting time limit starts running on XX/XX/XXXX, with the item scheduled to expire from his/her credit reports on XX/XX/XXXX. I have attached paperwork directly from the XXXX website that clearly shows the first late on thisaccount occurred on/around XX/XX/XXXX, but my credit files are reporting that there was n't a late on the account until XX/XX/XXXX. This erroneous entry showing an incorrect date of first delinquency is detrimental to my overall credit rating and has caused me severe financial and emotional distress. My question now is how was this investigation conducted to confirm that what is currently being reported is accurate? A template response to my complaint at this point will not be acceptable. This account is not only being in-accurately reported but is also past the reporting limits based on the Fair Credit Reporting Act. If this situation is n't immediately rectified I will be forced to take further legal actions.
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. XXXXXXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXXXXXX XXXX Account number 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: Money transfer, virtual currency, or money service

On XX/XX/XXXX I was scammed out of XXXX from CashApp user
Product: Debt collection

Enhanced Recovery ERC is attempting to collect on a XXXX bill that was resolved over 12 months ago
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.

The letters are stated with items and issues.

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.