23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My wife was laid off on XXXX XXXX, XXXX. Modification request was completed on XXXX XXXX, XXXX. XXXX XXXX XXXX stated, " We 're unable to complete the review if we are missing documentation, so we may request updated financial information. '' What information did Wells Fargo use to make your final decision if you were missing financial information? This decision was made in XXXX business days from the time my wife was laid off her job. Why was n't the decision based on information provided repeatedly through congressman XXXX office, Faxes from branch Well Fargo offices in XXXX? How can you calculate 42 % of 0.0 income? Why did it take Wells Fargo XXXX business days to make a final decision when you found out my wife was laid off XXXX XXXX XXXX? 

XXXX XXXX XXXX of Wells Fargo stated, " A review for HAMP Tier II was also completed and we were unable to approve you for a modification because the documentation provided at the time indicated that the modified payment would be more than 42 % of your monthly income. '' On XXXX/XXXX/XXXX XXXX XXXX XXXX of Wells Fargo stated, " Based on the documentation you provided us, your proposed monthly modified payment would be more than 42 % of your monthly income. We reached this decision by reviewing your monthly income, which is calculated as {$0.00}. '' Based on this information, why did Wells Fargo based final decision on information provided on XXXX XXXX, XXXX? 

Questions we would like Wells Fargo to answer:1. Why Wells Fargo base final decision on information provided on XXXX XXXX, XXXX? 
2. Why was n't the decision based on information provided repeatedly through congressman XXXX office, Faxes from branch Well Fargo offices in XXXX? 
3. How can you calculate 42 % of 0.0 income? 
4. Why did it take Wells Fargo only XXXX business days to make a final decision when you found out my wife was laid off XXXX XXXX XXXX? 
5. How many home owners have been given HAMP Tier II in or around XXXX XXXX, CA which is where we live? 
6. Can we have a HAMP Tier II ASAP or by XXXX XXXX, XXXX because our house will be Trustee sold on XXXX XXXX, XXXX?
Product: Checking or savings account

On XXXX XX/XX/, I made a bank transfer from my XXXX XXXX XXXX account, XXXX XXXX XXXX, Routing Number XXXX, for the amount of {$200.00} and another transfer for {$250.00} on XXXXXXXX XXXX XXXX from the same bank. Both transfers were to my Chime account from XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX, Routing Number XXXX. 

As of todayXXXX XXXX XXXX XXXX, Both Chime and The XXXXXXXX XXXX  claim they have not received the transfers, but XXXX XXXX XXXX  claims they have. My XXXX account has had the money deducted from my account. The first transfer was on XXXX XXXX XXXX ( verification code : XXXX ) and the second transfer was on XXXX XXXX XXXX ( verification code : XXXX ). 

I called the XXXX XXXX XXXX XXXX department this morning and they claimed that both transfers were completed successfully and that they would not refund the money. I then called Chime customer service and they claimed that neither transfer was showing in their system.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I contacted XXXX to help enroll me into the Financial Relief Program. Originally I was approved and they were going to set me up on a 12 month plan for reduced payments and I agreed. They said my account would be updated and I would see the lowered payment and begin in XXXX. That never happened and my account went past due. I called about 15 times over the last month and I either was hung up on or the call mysteriously was dropped. I never received a call back and when I escalated the situation I finally got someone who let me know their was a technical issue on XXXX 's side. I had them agree on a recorded line they would not submit me to a credit agency or negatively affect my account while the issue is being resolved. They agreed on a recorded line and made notes according to the agent. Today XX/XX/21 I recieved notification from my credit reporting tool that negative info was placed by XXXX. I always let XXXX know I needed temproray help and this reduced payment could and would be made if they allowed. They never did. I also let them know after I lost my job, I had retained employement and would be able to get back to paying the card as before and cleaing the balance monthly as required by terms and agreement. XXXX has created this issue and provided no support and then submitted the past due that was created by their issue after agreeing on a recorded line they would not. I am now employed and will pay the card off but need XXXX to remove the info as agreed.
Product: Credit card or prepaid card

I applied Paypal credit card through Synchrony Bank on XX/XX/XXXX. THe first month, there was an unmarked fee of XXXX dollars in my statement dated XX/XX/XXXX. I called on XX/XX/XXXX AM and asked about this. XXXX at Synchrony Bank told me that it was a security fee I signed up for monthly protection in case I can not pay the bill. I was upset since I did not need or sign up this service. I asked to cancel this fee, but told that I would need to talk with another team. After transferring the line, I was cut off. I called twice more, but still can not cancel this fee and service with Synchrony Bank.
Product: Credit reporting

There are multi accounts that do n't belong to me, I have contacted the them directly and they were very rude, I have disputed them with all XXXX credit reporting agencies and nothing is fixed. I do n't feel it is fair that I pay an attorney to get this corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to inform XXXX that I recently received a copy of my credit report that your company publishes and after reviewing it I found several bankruptcies on my XXXX, XXXX, and Equifax that are inaccurate. Them being an 3rd party company reporting incorrect information are damaging my reputation and credit worthiness. I requested they supply me with the actual documents and I received letter starting they received the information from Equifax and they do are not apart of the resolution.

I went to US BKPT CT Tx XXXX have email me which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third- party providers who collect information regarding public cases from public records. 



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Product: Debt collection

On XXXX XXXX this company reported to the credit bureaus I owe them XXXX I have never done business with this company and I dont owe them anything.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that It is reflecting a balance. 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 do not owe a balance to this company. 
( XXXX XXXX : XXXX ) Please investigate and provide Proof with statements showing that the balance was never paid.. If proof can't be provided I demand this account be updated to reflect current and paid, or removed from my credit report.
Product: Credit reporting or other personal consumer reports

We recently purchased our home. XXXX XXXX is the mortgage holder. XXXX XXXX apparently sold the loan to Arvest. The sale of the loan, we are told, closes on XX/XX/2023 ; however, and for the past two weeks, both of the Lenders have reported the same loan to all three credit agencies. We have only one loan! We have tried to get this addressed and rectified ; however, we have been told essentially that " too bad '' and it will get fixed at some time in the future. This is entirely unacceptable.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Are fraudulent addresses I have never lived in either address an will like them removed from my credit by law they shouldn't be on my credit report fraudulent
Product: Credit reporting or other personal consumer reports

Experian is reporting that the ( XXXX XXXX XXXX XXXX ) account status is as collections/ charge off ; however, according to XXXX and XXXX XXXX monitoring services report, I have no late payment and no collection therefore it's an inaccuracy. This violation of 15 U.S. Code 1681e - Compliance procedures reporting agency prepares a consumer report it shall follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 USC 1681s-2 : Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 
Delete the collections/ charge-off off account ( XXXX XXXX XXXX XXXX XXXX from the consumer report. Please see the attached supporting documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

i called XXXX Bank XXXX/XXXX/2022 to close the account. I called today to confirm that the account was closed. The bank is still reporting that I have been paying late despite the fact that the account is closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX IS A FRAUDULENT ACCOUNT ON MY CREDIT REPORT. I HAVE NEVER ASSOCIATED WITH THAT COMPANY AND HAVE NEVER REQUESTED ANYTHING FROM THEM. I AM A VICTIM OF AN IDENTITY THEFT AND THE ACCOUNT WITH THEM UNDER MY NAME IS NOT MINE, IT WAS NEVER MINE, I HAVE NEVER MADE ANY PAYMENTS OR I REQUESTED TO HAVE THIS ACCOUNT, I HAVE SENT THEM PER THEIR REQUEST ORIGINAL POLICE REPORT, ALONG WITH MY IDENTITY THEFT REPORT AND SIGNED NOTARIZED PERSONAL STATEMENT THAT THIS ACCOUNT IS NOT MINE. THERE IS NO ADDITIONAL INFORMATION I AM ABLE TO GIVE THEM AND UNFORTUNATELY I HAVE NO IDEA WHO THE THEIF IS. ALL I KNOW IS I NEED THIS FRAUDULENT ACCOUNT TO BE REMOVED FROM MY CREDIT REPORT. THANK YOU
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you. XXXX XXXX  XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I used Citibank 's bill-pay service to add a new merchant : XXXX XXXX XXXX XXXX XXXX When setting the merchant, I wasnt asked for any information to verify the merchant such as zip code, address, or any other details except for my account with them. The merchant was set successfully ( apparently ). I scheduled a payment in the amount of {$2100.00} and submitted it. As of today, the payment has not been received by the XXXX XXXX 

I contacted the XXXX XXXX and they informed that they dont accept XXXX of any kind but only paper checks. Therefore, they explained me that if Citi bank had made the payment to the correct merchant, they would have sent a paper check. 

I have contacted Citis customer service multiple times and on top of being ( most of them rude and not willing to help ), all they have done is sent me a proof of XXXX without any reference that helps to track where the payment was sent, i.e., legal name, XXXX/Routing number, account number, bank name, etc. 

I have called the XXXX XXXX and they confirmed that without any of the information referred to above it is impossible to find the payment. Payment could have even been sent to a different XXXX XXXX in a different state ( instead of Florida ) The correct merchant for this payment should have been ( via paper check ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX As of today, the money withdrawn from my account is lost. Citi 's customer service team tells me they cant do anything to help. I can not believe you can not find a way to verify to who Citi sent my money and help me to recover it. Thats the least I would expect as a loyal client of Citi.
Product: Credit reporting or other personal consumer reports

I have an active FTC Identity theft file however, the bureaus keep allowing me to be further victimized. There are many inquiries that I did not authorize. I knew my credit was low so why would " I '' keep having my credit ran? I want the following fraudulent, unauthorized inquiries immediately removed. I have called and been given the run around by foreigners with these bureaus for a year now. This is peoples livelihood and its ruining my life. 

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

Although the XXXX credit card is accurate on my report, It has been on there for XXXX  years this past XXXX and should be removed now. And XXXX has been XXXX  years this month
Product: Mortgage

I have had continuing issues with my loan servicer researching a payment I made that was never credited to my account. The first request was made on XXXX XXXX, 2016. I sent a request using their online form ( their preferred method of contact ). I detailed every payment that I had made, along with all of the details I had available to me and requested they research and let me know which payment ( XXXX ) were not applied to my account. The response was a generic informational message noting that my payment was made on XXXX XXXX, 2016 and my next payment was not due until XXXX XXXX, 2016. I replied informing them that that response did not address my issue in the slightest and that I would like a supervisor to call me. I never received a call or a reply to that response. 

I contacted them again on XXXX XXXX, 2016 under a new request. I asked for a supervisor to contact me and notified them that the payments that had been posted to my account were not applied anywhere near the dates the bank honored the payments, which would cause me to incur additional interest on the loan. The response was, again, that my payment was made on XXXX XXXX, 2016 and my next payment was not due until XXXX XXXX, 2016. 

I then contacted Benchmark by phone on XXXX XXXX, 2016. The result of that call was that I was to fax proof of payment from my bank to them in order for them to research the payments. I faxed the information I had on XXXX XXXX, then faxed additional information I had obtained from my bank on XXXX XXXX. On XXXX XXXX, 2016, I received an email from the research department saying they had not cashed one of the checks that I had provided proof of payment for. This check was mailed to their parent company at the same payment acceptance address as their company. I contacted my bank and they confirmed that the check was paid to the payee. I responded to the email with this information on XXXX XXXX and I have not received any reply.
Product: Credit reporting, credit repair services, or other personal consumer reports

I moved out of my home in XXXX, New Jersey on XX/XX/XXXX. I notified XXXX that I was moving and it was noted in their system, my last payment to them was submitted on XX/XX/XXXX. 

I moved to XXXX, New York on XX/XX/XXXX and opened my new account with XXXX on XX/XX/XXXX. 

Today I am finding out that I have had a delinquent payment with XXXX from my XXXX home but it never reached me because they never sent it to me, they were sending my bill to my home in XXXX rather then mailing it to my new address in XXXX. I have paid this in full today XX/XX/XXXX and have a confirmation number to prove it and this will be shown as paid in full by XX/XX/XXXX per the customer service rep ( who apologized for the bill not getting to me ). 

This has significantly affected my credit score and I would like this removed from my credit report. You can see that I have a 100 % pay-on-time score which shows this was not an intentional delinquency, but rather an error in their system. 

Thank you
Product: Credit card or prepaid card

Senior Specialist, XXXX XXXX, at XXXX XXXX, FL, location wrote a letter regarding my previous complaint trying to legitimize the illegal, unethical practices that resulted in negative reporting on my credit reports. 1 ) This company helped damage my credit beginning last XXXX after they randomly checked my credit, which no company EVER does. It is idiotic and unethical to check my credit when I already had the account. I have NEVER heard of this, NEVER experienced it, and NOTHING justifies this. 2 ) When they checked my credit at that time, they lowered my credit limit from {$1000.00} to {$740.00}, of which XXXX XXXX letter so absurdly & confidently mentions. This was the first step in damaging my credit. 3 ) I called them about this, and a rep was just as cold as she was, acting like it was nothing. This is sick. 4 ) They checked my credit AGAIN without my knowledge in XX/XX/2021 and this time randomly closed my account without my requesting it. XXXX, or whomever responds this time, you " reserve the right to review credit information '' UPON MY REQUEST! You DO NOT have a right to act in a manner that damages my credit reports or anyone else 's for that matter! Again, I have NEVER heard of or experienced such ridiculous, unethical, illegal business practices -- and I've seen others online complain on other sites about this same thing happening to them : damaged credit due to Synchrony randomly closing their accounts without the person 's knowledge and DESPITE on-time monthly payments up until the point they closed the account ( s ). In every instance, ONLY Synchrony is named regarding this BAD BUSINESS PRACTICE! You KNOW this is wrong no matter how well you try to explain it -- and you know the damage it's doing to people 's credit! What legitimate, upright company dismisses a customer 's on-time payments ( which XXXX admits to in the letter attached to the previous complaint ), then proceeds to damage their credit? 5 ) In addition to closing my ( XXXX XXXX XXXX ) account & DAMAGING MY CREDIT, Synchrony has the audacity to CONTINUE TO CALL ME, CONTINUE TO EMAIL ME, CONTINUE TO SEND ME BILLS, and CONTINUE TO TRY TO COLLECT, as if they did nothing and most of all, AS IF MY ACCOUNT IS STILL OPEN. Usually, customers voluntarily call to REQUEST an account review. Usually, even when that voluntary call happens, the creditor doesn't absurdly LOWER that customer 's credit limit. Usually, it's non-paying customers that automatically get their accounts closed -- after the creditor respectfully NOTIFIES the customer of missed payments. That was not the case with me : I was an on-time paying customer ( of which Synchrony didn't care about ) and was not notified beforehand that my credit was being checked and account being closed. This is insane and predatory. I am not giving this company a dime more of my money. I demand that Synchrony 1 ) stop calling me, 2 ) stop writing me, and 3 ) remove the account from my credit reports. That, or I sue for unfair, predatory, deceptive, and fraudulent business practices and damage done to my credit reports.
Product: Checking or savings account

I signed up for a Novo business checking account on or about XX/XX/2024 via a promotional affiliate link found by XXXX  " Novo sign up bonus '' ( XXXX result shown in the attached screenshot ). The site had the official Novo branding and had what appears to be a screenshot taken from the Novo website of the promised {$75.00} offering. 

XXXX XXXX XXXX  Clicking the link and signing up for a new business checking account on Novo I saw a notification to the affect that " the sign up bonus has been applied '' with no reference to the amount. Having only seen {$75.00} as the offer on the affiliate site, I continued with sign up. 

After sign up, Novo sent a confirmation that the bonus would be applied once I met the terms ( keeping the deposit in the account for a certain number of days ) but again did not include any mention of the amount of the bonus. 

When the bonus arrived on XX/XX/XXXX is was only for {$40.00}. 

After multiple back and forth messages with support they said that affiliate is no longer with them ( even though the link still " work '' in that Novo 's site recognizes it after starting the sign up process ) but they gave me {$40.00} as a new customer.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent the credit reporting agencies letters notifying them that they are in Violation of 15 US Code 1692e ( 2 ) ( a ) the character amount or legal status of any debt and ( b ) You are falsely and misleading representations and Violation of 15 USC 1666b. This is a billing error. I always paid as agreed on time. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Product: Credit reporting or other personal consumer reports

he items listed below are reported on my credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX