23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I refinanced under the HARP program through Well Fargo and I feel that it is a very deceiving program. I have been trying to trying to get a lower interest rate and was turned down several times. I also was refused a 15 year mortgage and was told that I was not qualified. Under the HARP program I was told that I qualified for a 4 % interest rate and my monthly mortgage would reduce by {$60.00} and that I did not qualify for a 15 year mortgage. I also explained to Well Fargo that my unit owners insurance was always personally paid by me and was never included in my mortgage. I was told by Wells Fargo that I could do anything that I wanted to once I finalized the remortgage. ( 1 ) I was charged over {$4000.00} in closing cost, ( 2 ) Wells Fargo refused to let me continue paying my own unit owners insurance, ( 3 ) My mortgage payment was never lowered. I also contacted Wells Fargo with my concerns, they were very nasty and rude. And I was told that there were certain criteria I had to meet. I explained that my unit owners insurance changed from XXXX XXXX to XXXX and they sent a check to XXXX XXXX anyway. As of XXXX XXXX, 2016 I received another letter from Wells Fargo stating that my insurance expired on XXXX/XXXX/2016 and they were going to purchase insurance for me. I have made several attempts to get through to the Wells Fargo insurance division with no success. They are refusing to correct the error and recognize my current unit owners insurance through XXXX. I feel that the refinance under the HARP program is nothing but a scam for the mortgage companies. Wells Fargo will do anything that they can to make money for themselves and not the consumer. I have never missed a mortgage payment and this is how I am treated. If I had of known that Wells Fargo was scaming their good paying customers, I would have never refinanced under the HARP program.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I sold Test Voucher on XXXX The Voucher have expiration dates and the buyer was aware of it. 
The Buyer was supposed to used the voucher before XX/XX/XXXX on XX/XX/XXXX the buyer filed frivolous claim with XXXX and XXXX dismissed his claim. 
The buyer turn around and filed another claims with PayPal and PayPal refund the money without considering the facts. 
The transaction happened on XXXX and decide the case in my favor because they know the buyer was filing fraudulent claims. 
PayPal turn around and demand from me ridicules proof. 
PayPal intentionally ignored me and robbed me when they are aware that the buyer was not honest. 
The buyer claims with XXXX was not the same claim that he filed with PayPal. 
the buyer switch his story everytime and paypal refused to look into the facts that the buyer story is different every time and that the buyer did items was delivered.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive checked my Experian credit report and I have attempted to reach collections agency to resolve matter. The information shown on my credit report is inaccurate as it has been reporting to my credit negatively monthly and I have no way to contact them and resolve matter. Ive made multiple attempts with no avail. The amount is {$1100.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX to certify and verify the incorrect and inaccurate information on my credit report that was due to fraudulent activity. I have requested validation of the items reporting. I have also added security freezes and fraud alert to my credit profile. The date of my letter sent where XX/XX/2020, XX/XX/2020, XX/XX/2020 and still no response or update. 
the following items should be investigated XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX
Product: Debt collection

I was previously looking at my credit and notice 3 report that I am unaware of and didnt give these companys to run my credit. 
XXXX XXXX XXXX
Product: Student loan

Submitted Income based payment ( SAVE ) application on XX/XX/XXXX and it is still processing. Called on XX/XX/XXXX as I was notified that payments would begin XXXX despite save plan not being processed. I was put on forbearance on XX/XX/XXXX and told my application would be reviewed and approved as I met all criteria. XX/XX/XXXX was notified that forbearance was ending on XX/XX/XXXX and payment of {$220.00} be due. I called and was told my application was expedited with a reply being recieved in XXXX business days. Received an email XX/XX/XXXX entitled Corresponding Process Delay. When I called to voice my frustration on XX/XX/XXXX, I was hung up on. 


XXXX months is an absolute ridiculous amount of time to wait for my SAVE application to be approved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute and affidavits, I got a response accusing me of using a credit repair company. I am very offended because, I feel as if I am being accused of being incapable of disputing information on my credit report on my own. I've educated myself and I see how you guys are in violation with credit reporting and I dont appreciate the hardship these inaccurate reportings have caused me. I demand these FRAUDULENT accounts be removed within 30 days. I also demand a response from the bureaus in 10 days. If I dont get a response in a timely manner, I will be filing a complaint with the office of the Attorney General. This is Very insulting and it seems to be a stall tactic to delay this FRAUDULENT info from being removed from my credit. I understand the benefits of bureaus reporting inaccurate info because that means more revenue for the bureaus. You guys have abused me long enough. I DEMAND THESE ITEMS BE REMOVED.
Product: Credit reporting, credit repair services, or other personal consumer reports

We refinanced with Chase in XX/XX/2022. The loan is mortgage only. We pay for insurance and taxes directly. In XX/XX/2022, In XXXX, I noticed that my mortgage payment would be put into Unapplied Funds and taken out and that a late fee was attached and removed. Thinking this is odd, I called Chase and learned they imposed this escrow representing homeowners insurance because they thought I didn't have it. I sent them a copy right away for XXXX ( you can tell the save doc on the attachedpdf ). the next time I check my paperless statement, the escrow is still there. So I call again to learn they needed the policy year prior, XXXX. Again I provide it to them right away. While I provided the documentation, they do not remove the escrow account which is causing my payments to be treated as late because they are not receiving the full amount due in their eyes. How they handled the payment I sent was to deposit it into an " unapplied funds '' account. 
I called them a lot and got a different person every time. Each one would say " Well you owe the escrow '' and I would explain the situation, be put on hold for a long time, and get the same answer that it would be fixed. Finally, one person around midXXXX got the escrow removed. For some reason, the company then sent me the amount of {$110.00} representing one month 's escrow for the homeowners ' policy they instituted that was never needed. Again in calling, I learned I had to pay them back for this in order for the XXXX payment to process on time. While I thought I had this wrapped up once and for all, they reported XXXX as late and imposed a late fee. I have tried vigorously to get someone to change the status on my credit report but to no avail. I believe that calling them is a waste of time and an invitation to further stress and aggravation. I NEED HELP. My credit has been negatively impacted and the timing is horrible because I need to buy a new car but can not because my credit is in " Fair '' status when normally it is XXXX and above.
Product: Checking or savings account

On XX/XX/year>, I deposited a check issued to me by the State of California into my BMO checking account for my work as a mental health professional for working in a rural and underserved community. I was told by the teller these funds where going to be released on Tuesday XX/XX/year>, the next business day following BMO policies. I waited for these funds to be released and attempted to withdraw these funds on XX/XX/year>. I proceeded to attempted to withdraw these funds at the same branch where I deposited the check in XXXX XXXX, CA. I was told this branch was unable to identify me. I had various forms of identification including my husband was with me who also opened the account with me. I believe this was due to racial profiling and prejudicism as the checked had cleared and the funds were available. 

I then proceeded to drive across town to the branch where I opened the account. They as well were reluctant to help with this matter. I was then told the check had to be verified, strangely not the original reason as why the funds were unable to be withdrawn which was due to " identification issues. '' Again, I believe this is due to racial profiling and prejudicism. My funds despite already being cleared where then placed on a 7-day hold. I believe BMO tellers have not been trained to act within their code of conducts and follow their own personal biases. It is my understanding and experience they do not engage in ethical conduct and will profile customers on how they are dressed and what ethnicity they hold. I am a mental health professional and have been trained to interpret verbal and nonverbal communication and conduct. Discrimination and racial prejudicism is occurring in these BMO branches.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 an account without my written instructions
Product: Checking or savings account

On XX/XX/XXXX my XXXX account was hacked where I stored my bank user id and pwd. A fraud transaction of XXXX $ was used to pay someone credit card from my account
Product: Vehicle loan or lease

In XX/XX/XXXX I purchased a brand new XXXX XXXX. The dealership pushed me towards using XXXX XXXX for the vehicle and I accepted. After the first paperwork was filled out on the vehicle and my down payment was accepted there was an issue with something in the paperwork and I had to come back in and re-sign every page again. 

To my understanding we set up auto-pay that day however the following month I learned that there had been another mix up and I was about to be late on my payment. I paid in full plus a fee that morning on the phone. 

Later that week I was able to log into my account online and link my bank account and set up my auto-pay from my laptop during a business trip to XXXX. I made another payment and was happy everything was finally taken care of. 

XX/XX/XXXX my credit monitoring alerted me of a 30 day late from XXXX XXXX and my credit had dropped XXXX points below where I could qualify for the home we were purchasing! I immediately got on the phone with XXXX and inquired what had happened and paid the back amount of almost {$5000.00} with fees and penalties and the person who helped me made sure that auto-pay was set up and reflecting on both ends now and informed me there had been issues similar in the past after apologizing to me. 

They refuse to give me any form of resolve or letter to have this mistake and 30 day late off my credit to this day.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been fighting this battle with the Credit Reporting entities for decades ; and they and the financial institutions have been literally KILLING small business ; even when they get away with huge losses like nothing. 
I started with an XXXX in XX/XX/XXXX, was a XXXX XXXX  with XXXX New York in XXXX ; and XXXX   XXXX XXXX XXXX of dollars for XXXX XXXX ( XX/XX/XXXX-XX/XX/XXXX ) in 24 companies in 16 countries on All Continents. 
I had my own businesses since XXXX ; XXXX XXXX XXXX in the mid XXXX ; and have invested over XXXX XXXX so far ; and I owe very little to anyone. 
For the last three years, I was unable to even get a Home Equity Line Of Credit to move forward on the proprietary New Model for plastics recycling. 
This is really tragic, and my credit score keeps getting lower due my effort to try to secure some funding. 
In XXXX, I started with a {$200000.00} SBA-guaranteed loan ; which grew to {$500000.00} in about a year ; and was fully prepaid in XXXX. That never get on my record. Only very minor negatives are focused on.
Product: Debt collection

I was checking my credit and noticed this company was reporting a debt that is not mine. I sent them 2 letters explaining this is not mine. They never answered and continue to report. I believe this company is a scam and is trying to hurt my credit to collect funds.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXXXXXX, XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX XXXX, XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported on my 2 accounts to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX XXXX, XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

This company IC system is illegally re-aging my debt which is in violation of the fair credit reporting act. This acct was was settled in XXXX  and IC had it then. They never removed from my reports and Ive disputed this several times with no resolution they just keep re-aging it. I have attached my payment letter from the original creditors which they are ignoring
Product: Credit reporting, credit repair services, or other personal consumer reports

For a Bank of America CLOSED credit card - I was unaware that I had a remaining balance due. In XX/XX/2019 i thought I had paid my LAST payment of {$55.00}. In XXXX i received NO statement, no phone call from Bank of America alerting me to the fact that there was {$43.00} still open. It was not until I received an alert in my creit file on Tuesday XX/XX/XXXX that the remaining balance was open and past due. I went ahead and paid this balance immeidately. However, no sooner did that get accomplished di I receive an email from XXXX  informing me that my credit score dropped 46 points!
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that there was an inaccurate account ( s ) on my credit report ACCOUNT NAME : ACCT # DISCOVER BANK Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy.

I contacted " THE COMPANY '' and asked for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature and they have not been able to provide such proof to me.

This is a violation of the Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof.
Product: Money transfer, virtual currency, or money service

After using my paypal account for over 10 years, recently with no notice, my account has been locked and prevents me from using my over {$200.00} balance. Paypals claim is that I need to provide them with my bank account number. 
On XXXX XXXX, 2009 my paypal was hacked into by a foreign entity and stole {$590.00} from my account and credit card. I had to get the federal government and my credit card company involved to have them repay the stolen funds. They still have no idea who or how their system was hacked. Even then they wanted me to provide my bank account number. I refused stating my personal and banking info would be at risk. 
Now again they want me to provide my personal bank account info and put my banking and identity at risk. There is no reason for this, they already have my info and have my credit card on file. Instead of paypal putting their honest customers identity and bank info at risk, they should be increasing their own security to protect their customers. 
I want to continue to buy and sell using my paypal account with my credit card on file, as I have been for the last 10 years without putting my banking and personal info at risk. 
They now claim that I am filing a complaint as a different person. They have all of my contact info and are knowingly making this claim as a tactic to avoid complying with the law.
Product: Debt or credit management

I used Lexington Law. I wanted to sign up for the class action lawsuit.
Product: Checking or savings account

I went to an XXXX ATM so I can make a withdrawal without any fees being charged. And I've used this ATM several times before. The last time I went I noticed the ATM charged me {$3.00}. The very same day I contacted chime to dispute the {$3.00} and requested a refund. They said that they saw the error and that they will fix it. Sometime went past and I contacted chime again. They said the same thing, that they saw the error and they will fix it. Sometime went past again and I contacted them for a third time. They said the same thing again. Then I contacted them a fourth time and they also said the same thing. I've contacted them four times in less than a month. I contacted them today and they told me that it's been past 30 days ( which it is not yet ) and there's nothing they can do about it. And that I must contact the XXXX XXXX. They also told me that I've never made a dispute for the {$3.00}. Which I know they should see how many times I contacted them from the very first time to the last. Every time I contacted them of course I spoke to someone different each time. So they are supposed to see how many times I've called to dispute this charge. 
I made the ATM withdrawal on XX/XX/XXXX at XXXX XXXX, XXXX XXXX XXXX XXXX NY. 
Today is XX/XX/XXXX. 
I made a withdrawal for {$200.00} and got charged an ATM fee for {$3.00} at an XXXX ATM which is supposed to be fee free because it's in network with my bank ( Chime ). That's the reason why I use that ATM.
Product: Debt collection

On XX/XX//2023, I received a letter from Receivable Solutions XXXX ( XXXX ) attempting to collect a debt that I do not owe, in the amount of {$40.00}. The letter used an aggressive and accusatory tone, and makes remarks that are duragatory to my character, to attempt to coerce me into calling them or outright sending them money to pay the debt. This is the first such a letter I have received from XXXX. The letter also fails to mention my right to dispute the debt, or the requirement to do so in writing. 

I have already contacted the original creditor to verify the debt, and they confirm no such debt exists. They also confirm that the services of XXXX have not been engaged in any debt for me.
Product: Credit reporting or other personal consumer reports

This serves as your FINAL NOTICE regarding the inaccurate and misleading information that continues to persist in my credit profile, despite previous disputes and requests for verification. You are now in direct violation of both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Under 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ), 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), and 15 U.S. Code 1692k ( Civil Liability for Violation of Debt Collection Practices ), your ongoing failure to provide accurate and verifiable data, and your negligence in updating my credit report, exposes you to legal liabilities.

Disputed Information Must Be Resolved : You are reporting items that violate FCRA and FDCPA requirements. Under the law, you have failed to : Maintain procedures that ensure the maximum possible accuracy of my credit report. 
Provide written results of your reinvestigation within the XXXX timeframe required by FCRA 15 U.S.C. 1681i ( 6 ).

Properly correct billing errors as per TILA, 15 U.S. Code 1666 ( b ). Late payments marked inaccurately must be updated to reflect " paid on time. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to Experian to ask them to investigate items on my credit report, because information that was being reported was inaccurate and inconsistent, and I am entitled to a 100 % ACCURATE credit report. They responded within a few days and stated that the accounts were " verified ''. Experian failed to do a complete investigation of these inaccuracies and remove them.
Product: Credit card

Received in the mail on XX/XX/XXXX a notification from Citi that they needed further information to continue my credit card application. The problem is I never applied for a credit card. I phoned Citi and they showed that the received an application at their citibank in XXXX XXXX XXXX XXXX The application was complete with my address and Social Security number. The application was stopped and they are forwarding an alert to the credit reporting agencies. They also recommended that I get in touch with you on this problem because of the social violation.
Product: Payday loan, title loan, or personal loan

XXXX is in the business of financing guns from various gun shops, manufacturers and other companies that sell guns. I financed a gun with XXXX and have been making payments now for almost a year and the principal balance has only decreased by approximately {$300.00} and my monthly payment is {$140.00}. I have come to realize that XXXX has taken me for a good ride with their extremely high interest that they charge on these loans. After this loan on the initial amount of approximately {$1400.00} when all said and done I will have paid double the price of this weapon and this is wrong! 

After realizing how this company is ripping off me and thousands of other people who get financing with XXXX  I want to bring this to light to the CFPB and to alert the population on this awful business practice. Thank You!