23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a 609 letter to the company, and they did not respond within reasonable time. Company is not complying with their own policies in a timely manner. They are reporting incorrect information. 

XXXX XXXX XXXX XXXX : Account ending in XXXX {$1100.00}. 
Account ending in XXXX {$2800.00}. 
Account ending in XXXX {$0.00}. 
XXXX XXXX XXXX : Account ending in XXXX {$2300.00}. 
XXXX Originals : Account ending in XXXX {$3000.00}. 
XXXX XXXX XXXX XXXX XXXXXXXX : Account ending in XXXX {$1000.00}. 
XXXX XXXX XXXX : Account ending in XXXX {$420.00}. 
XXXXXXXX XXXX  : Account ending in XXXX {$190.00}. 
XXXX XXXX XXXX XXXX XXXX : Account ending in XXXX {$100.00}. 
XXXX XXXX : Account ending in XXXX {$1100.00}.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX  was never late! I have had exceptional payment history with 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 my the company and is not a reflection of my payment experience which violates XXXXSC 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 paymen t reported in 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 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: Money transfer, virtual currency, or money service

Our business uses Wise to pay our overseas vendors. I had found their service to be generally effective and reliable. After conducting an internal audit, I discovered that a refund from Wise back in XX/XX/ of {$1800.00} had not been deposited into our bank account. 

I contacted Wise regarding this issue, and they informed me that the transfer had been completed. I then asked for the trace ID for the transaction so that the transaction could be verified through the banking system. They again informed me that the transaction was completed and that they could not supply me with the trace ID for the transaction. 

I informed Wise that the receiving bank may have not received these funds and that I will need the trace ID number for this transaction in order for the receiving bank to fully investigate why these funds were not transferred to the receiving account. Wise again told me that they could not supply me with the trace ID for the transaction. 

Wise then asked for a statement from the receiving bank showing that the funds had not been deposited. I supplied this to them. 

After a week and no response from Wise I contacted them again. I received no explanation why the transferred funds were not deposited in my account. I received no trace ID from Wise for this transfer. I received no refund from Wise for the missing {$1800.00}.
Product: Checking or savings account

I have attempted numerous times to receive documents sent to me and also to XXXX XXXX, the company that withdrew funds from my savings account in error. Fraudulently. 

Since XX/XX/2022, Wells Fargo has neglected to provide XXXX XXXX nor me the requested documents. Each time these have been requested ; Wells Fargo says it will take XXXX business days to process. THEY DO NOT PROCESS THE REQUESTED INFORMATION. Instead, they come back with a denial on the claim. THIS IS NOT WHAT IS NEEDED. 

Wells Fargo does not read the request ( XXXX ) in entirety. If they were to do so, they would realize that it is a simple request for information so XXXX XXXX can refund my savings account. Without the information, XXXX XXXX is unable to deposit the funds into my account. 

HOW MANY REQUESTS WILL IT TAKE UNTIL WELLS FARGO REALIZES WHAT IS BEING ASKED FOR?!!!!!!!!!!!!!!! 

This is my XXXX  ( XXXX ) ATTEMPT with the Consumer Financial Protection Bureau. I have attempted several more times directly with Wells Fargo. No luck. 

WELLS FARGO NEEDS TO READ THE REQUEST IN ENTIRITY. PLEASE PROVIDE THE REQUESTED DOCUMENTS. ( Not bank statements and a denial -- that is NOT what I have been asking for! ) I am beyond irritated with the lack of professionalism of Wells Fargo.
Product: Debt or credit management

I requested them to validate the debt and send me copies of the original purchase agreement. I wanted to see they legally owned the debt by the original creditor. I requested all statements open through closed of my account. I also wanted to see proof they are legally able to collect a debt in my state, also, a copy of their bond to show they are legally registered. I want to know what all information they received from the hospital. I signed a HIPPA form and I never gave permission for my personal information to be released. Also, I was never notified by the creditor that this was going to collections, I was still dealing with the insurance company. " My XXXX even put it in his paperwork that this was a XXXX XXXX as well. After the XXXX in late XXXX, the XXXX told us that he took XXXX of the XXXX to rule out XXXX, he also took XXXX XXXX out that were near the XXXX due to his concerns of XXXX and the look of them. My mother passed away of XXXX XXXX back in XX/XX/XXXX. When I received the bills for the XXXX, I called XXXX XXXX and XXXX XXXX XXXX numerous times in regard to the charges. Both medical facilities told me they do not have a XXXX XXXX  for my XXXX and the bills are correct even when my insurance company is telling me that there is a code that they could utilize for my XXXX XXXXXXXX XXXX. My medical bill from XXXX XXXX  was sent to a collection agency without my consent then without notifying me, XXXXXXXX XXXX  has been hitting my credit once a month since XXXX. My credit score went from XXXX to XXXX in less than 2 months without notification on my XXXXXXXX XXXX. My medical bills are lowering my credit scores. I have never signed a HIPPA release form with the alleged creditors : XXXX or XXXX XXXX XXXX XXXX. HIPPA laws protect my personal medical information from being used without my consent. Therefore, these are inaccurate HIPPA violations, and I want these immediately deleted from my credit bureau accounts. I was also mistreated by the debt collection agency, one representative yelled and cussed at me when I called. Thank you for your help. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my information and I was listed as a potential victim according to their security web site following the recent hack. I demand that they rectify this by making credit freezing free and refunding everyone who paid for it following this data breach. The negligent loss of personal information of nearly 200 million consumers is an unconscionable breech of ethical behavior by this company and it is further unreasonable that they are not directly notifying every single person affected by this regardless of their questionable " judgment '' of who to contact.
Product: Credit reporting, credit repair services, or other personal consumer reports

I keep have hard and soft inquiries on my credit report and I'm not authorizing them. I am in the process of trying to fix my credit in this is not help with all these inquiries
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting Act XXXX XXXX XXXX XXXX ( Acct # XXXX ) {$11000.00}, XXXX XXXX XXXX XXXX ( Acct # XXXX ) {$26000.00}, XXXX XXXX XXXX ( Acct # XXXX ) {$300.00}, XXXX  XXXX ( Acct # XXXX ) {$860.00}, XXXX XXXX XXXX XXXX ( Acct # XXXX ) {$1600.00}, XXXX XXXX XXXX ( Acct # XXXX ) {$13000.00}, XXXX XXXX  ( Acct # XXXX ) {$13000.00}, XXXX XXXX ( Acct # XXXX ) {$13000.00}, XXXX XXXX XXXX ( Acct # XXXX ) {$730.00}, XXXX XXXX XXXX ( Acct # XXXX ) {$450.00} has violated my rights 15 USC 1681 section 602 ( A ) states I have the right to privacy. 15 USC 1681 604 ( A ) Section 2 also states a consumer can not furnish my account without written instructions.
Product: Checking or savings account

I have every day checking account from Wells Fargo ending in XXXX. I wanted to close this account to consolidate all my accounts. Called the toll free # at around XXXXXXXX XXXX. I told them to close the account. But they said that there is a pending transaction and i need to call them again. 
I told him that I can 't call again as there is a significant wait time on phone lines and i have a full time job - so he can make a note on the account which he refused. 
I said that give me a email id or fax # - i will fax it ... .but i can't call. 
They don't have a fax # or email for account closure
Product: Credit reporting, credit repair services, or other personal consumer reports

Mariner finance reported four separate charge off accounts in my name. Only one is correct and the others are not joint accounts that I have not signed on. They belong to my ex husband. Only one account its an installment for {$4000.00} and a little more. I cant remember amount financed but it was secured by a vehicle ( XXXX XXXX ) and was a joint account. The other three accounts reported I did not sign in and they are saying joint accounts. They are reporting I last paid in XX/XX/XXXX which is incorrect. Last payment was in XXXX, vehicle was repossessed in XX/XX/XXXX no other payments made in XXXX and balance on charge off was not set up in a 24 month schedule. They reported the balance was set up to be paid in 24 months. There was no rescheduled payments on charge off. XXXX determined the other accounts were mine. No way possible because I never signed any other loans at Mariner. Only the one with secured collateral of my XXXX XXXX. That was a joint account. No other accounts did I ever sign and mariner tried to get me to set up payments on balance of charge off but I wouldnt so they took it upon themselves to report it like I have and like Ive missed all those payments. It has hurt my credit and is continuing to be reported as missed payments. It was charged off and thats the only thing that should be reported on that loan. The charge off was around XXXX and some. I went to their office and they pulled the loans they have reported as joint accounts Theyre reporting and my signature was NOT on the contracts but they refused to remove them from my credit report. I knew absolutely nothing about the other loans that my husband was responsible for. How can XXXX allow mariner to report false information on my account. I dont have documents to prove but they do. I only did business with mariner one time. They should have to remove those loans and the information they keep reporting to the bureaus each month is false information on my charge off in XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

When I checked my credit report this morning, I was stunned to see inaccurate accounts listed, and I have no idea how this happened. I check my report regularly, but today, out of nowhere, there were errors. I tried refreshing my browser, hoping it was just a glitch, but the inaccuracies were still there. I'm very upset, so I'm asking for a careful review of the documents I've sent so I can stop worrying about this.
Product: Credit reporting or other personal consumer reports

I would like to file a complaint against Calvary Port, XXXX XXXX XXXX XXXX XXXX for illegally reporting my information to unaffiliated third parties without providing me with the required disclosures. They are required by law to provide three disclosures, but after checking all documents from there institution, I found none that include these required disclosures pursuant to 15 USC 6802. I am hereby requesting all disclosures required by federal law. Each Letter was initially sent to all companies on XX/XX/2024
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently tried to correct a mistake with a credit bureaus, and have been been told, we updated, or its been verified. The bureaus suppose to be reporting thing correctly at all times. XXXX XXXX send a letter stating I wasnt late the last few months, and the bureaus stated it was verified correctly. Then XXXXXXXX XXXX XXXXXXXX XXXX, XXXX, and XXXX are accounts that first were reported XXXX way then change to charge off. But if after charge off now being reported, the accounts have a balance included, or multiple months with charge off reported, Also, a new account with a student loan, I never had before and never applied too. Lastly, XXXX XXXX XXXX which was I was late XXXX  months in a row, and now Im currently on time. I never been late, XXXX XXXX XXXX never sent me anything stating that.
Product: Debt collection

i asked for verification of debt and a chance to pay the debt before it went to my credit report and i did not receive it. 
i stopped my service in XXXX and i returned all the equipment as well so i was unsure about the new charges and if i had any i would like to pay them off before it went to my report. 

i initiated an dispute with them before XX/XX/2024 and they ignored my rights and put this on my report anyway. 

I dont agree with the negative payment status and history listed on this account. Please provide all statements showing the exact past due amount of any missed payments and the exact date that this account became negative.
Product: Credit card or prepaid card

I began at the beginning of XX/XX/XXXX trying to lower our interest rate for our credit cards after I found out about the Service Member Relief Act. I have reached out to our Discover Card several times and told them my husband was XXXX XXXX but was told several times that it did not pertain to my account. My husband was about to retire in XX/XX/XXXX so I tried still to ask in XX/XX/XXXX and then again in XX/XX/XXXX. I was still told that it was not for my credit card but what I read about the Service Member Relief Act is that since my husband was XXXX XXXX out interest rate should not be above 6 %. I tried to get it lowered through a company and they sent me to an attorney. I am very frustrated and just want to pay our credit card off but do not feel 24 % is a fair rate. They are stating that there will be legal action so I hope that you can assist me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reposting that I have an open account that has already been paid in full as of XX/XX/XXXX. We have reached out to the credit bank, XXXX XXXX XXXX, about this issue. We are unsure if XXXX is the one that is wrongly reporting that there is still a balance, or if Experian is not updating account status. I have filed a dispute on XX/XX/XXXX, to correct the status of the so called unpaid mortgage, but claimed that the information was up to date on XX/XX/XXXX. We have also called XXXX and they have sent us documents stating that the loan was paid in full, which we have submitted to Experian as supporting documents to fight the dispute response on XX/XX/XXXX. This false report is severely affecting my credit score and the ability to obtain other loans.
Product: Mortgage

Over the course of several months I have tried to explain to NewRez that I have a condo and not a coop, as they requested condo insurance. I sent proof of insurance in XXXX ( and followed up many many times at several email addresses ) but received XXXX responses until XX/XX/XXXX, and only as a result of filing a complaint with the Consumer Financial Protection Bureau. 

Here is the issue in a nutshell : NewRez is claiming I let my condo insurance lapse in XX/XX/year>, so they are demanding a punitively priced policy ( about 800 % over market rate ) to cover that period. 

I absolutely did not let it lapse as I absolutely did not have it. I had all the insurance needed to close my mortage XXXX years ago. Several companies have bought the mortgage since then. Only NewRez, the third or fourth holder of the mortage, has decided to tear up that contract and make new requirements for what insurance is needed - and to make it retroactive for a year. 

I even tried to pay off the mortgage to get away from this awful company, but I can't, as they want XXXX dollars in escrow money - money they never put out, for a policy that didn't exist, as it was never required in the mortgage I signed. 

NewRez did not acknowledge at all receipt of my coop insurance, despite my having submitted it over and over for something like XXXX weeks. Yet now I am getting financial penalties for only paying the mortgage I have always paid, and not the newly-revised and uncommunicated terms of the new mortgage that they think I have.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed XXXX XXXX XXXX on my equifax/XXXX/XXXX  report a few times now. They are reporting different things to each Credit bureau which is a discrepancy. I have provided proof of this and I have equifax/XXXX/XXXX  to show proof of their investigation, not just the word of XXXX XXXX XXXX and I havent heard nothing back and when I do hear it something its oh its been verified which isnt possible since its reporting different dates and numbers.
Product: Credit card or prepaid card

Bank of America has an awful method to set up autopay for small businesses. There is no easy way to set up autopay for my credit card to pay the statement balance. I tried to going in an setting up autopay for paying my balance in full and there is no direct option to set it up. I have to jump through hoops like go to this bill pay feature request ebills and then once I get an ebill set up autopay. 

When I asked why can't they have an easy autopay option to pay the balance in full like other banks ( eg. XXXX ) they told me they use a 3rd party for this service and that is what causes this. Given the size of bank of america they could have chosen to make this easier for their customers by investing in some simple technology that makes it easier. But they choose to ignore this problem because it is a way to generate easy revenue through late fees and interest by confusing customers and making them jump through hoops to set up autopay in full statement balance. 

This has caused me to miss my bill by one day. The bill was due on XX/XX/XXXX and I have paid it manually on XX/XX/XXXX and they charged me a {$39.00} fee. I called in and told them it is because of the complicated process they have for setting up autopay that I missed this bill and they still did not waive the fees. And they used the term " fair lending '' to say why they can not waive the fees. There is nothing " fair '' about this. 

I am attaching a screenshot of the billpay screen I see which does not given option to pay the bill in full automatically. 

In addition to this they have charged about {$210.00} in account fees on my checking account for me not maintaining the minimum balance. This was also deceptive. When I signed up they told me the account is free because I qualified because of the balance I have demonstrated previously and I will not have maintain the minimum balance going foward. But I never got a notification that they will start charging a fee after a certain time period. They only waived {$60.00} of the {$210.00} ... because of their " policy ''.
Product: Credit reporting

There is an item I have disputed several times reflecting XXXX Mortgage which the first date of delinquency has been past 7 years, the late payments reports every month balance, past due balance on this stated collection. There is nothing accurate about this account. I am requesting some assistance from your company
Product: Money transfer, virtual currency, or money service

on XX/XX/XXXX I sent {$100.00} to a brother in XXXX  using MoneyGram. As of this date ( XX/XX/XXXX ) the transfer has not occurred while MoneyGram withdrew {$100.00} from my XXXX XXXX account on XX/XX/XXXX. I have asked Money Gram on repeated occasions for the respective refund and they have not done so.Thanks, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called the credit reporting agency Experian multiple times and they haven't removed inaccurate variables of my name, i need this inaccurate name info to be removed immediately from my report as the fair credit reporting act states, consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed. The only name that should be listed on my Experian report is XXXX XXXX XXXX XXXX which is the one listed on my id and my birth certificate. Please remove name variables that says : XXXX XXXX XXXX XXXX Name ID # XXXX XXXX XXXX XXXX Name ID # XXXX From my Experian report immediately I am tired of trying to get this wrong info out of my report. I attached my id and my birth certificate to validate all my name information. I expect this to be corrected as soon as possible
Product: Money transfer, virtual currency, or money service

I purchased cosmetics from XXXX by Wells Fargo debit card in XX/XX/2017. And I cancelled the debit card in XX/XX/2017. But I returned cosmetics to XXXX and XXXX refunded money to Wells Fargo my cancelled account on XX/XX/2017. Meanwhile, Wells Fargo confirmed it has received my refund money from XXXX but failed to locate the money. I filed 3 claims to ask wells fargo to give me the refund money back to me. But wells fargo closed my claim by other irrelative excuses. I kept calling wells fargo claim center 5 times after my claim was closed. The claim customer representatives promised me twice to send me the check of refund money but they never put on actions. Last week I called wells fargo claim representative again and was told my money has been transferred back to XXXX in XX/XX/2017 and I should call XXXX. But the fact is the transaction records wells fargo transfer money to XXXX in XX/XX/2017 are my original purchasing cosmetic from XXXX not the ones Wells Fargo return the refund money to XXXX. Wells Fargo doesn't have any evidence to prove it returned money to XXXX but also doesn't want to give my money back to me just solely telling me XXXX has my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

look up credit report see hard inquires that I didn't request
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report I see a closed/paid account from prosper marketplace that I didnt and dont have any knowledge about not did I give any consent about this