23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have a VA mortgage through Wells Fargo, they did a loan modification in XXXX XXXX 2014. I had been every ill and fallen behind in my mortgage. When I was finally placed on XXXX, I was able to make payments again and I made several large payments that all in total was right at {$28000.00}, which was just a couple of payments short of the total amount I owed. None of this money was ever applied to my principle, it was held in a non-interest-bearing account for several months, roughly a year. I had been working with their home preservation department for several months, wanting to simply bring my loan current. I had the funds to do that. They refused to accept my payments and told me I would have to apply for a loan modification. I was not allowed to attend the event they hosted in XXXX, but was instructed to be at the XXXX event a few weeks after they were in XXXX. XXXX is about 70 miles south of me and I still had health issues, so it was not easy for me to make the trip. I did arrive as instructed, with all of my required documentation. I went from station to station providing them with whatever they asked for. These Wells Fargo staffers were from all over the country, some were from North Carolina and others from XXXX, Im sure there were other locations I did not meet. I was told repeatedly that I would know by the end of the day if my modification had been approved and if I would be able to keep my home. At one station I was told I would be locked in at 3.0 % interest on the revised mortgage. I was there until after close of business at XXXX. I was finally released around XXXX XXXX and told someone would be in touch within 24 hours. I drove 70 miles home. 
I called them several times over the next 30 days or so and again I was told they were working hard to save my home. Somewhere around the 30-day mark, I received a XXXX package with my loan modification paperwork. I was given one option, sign and mail it back in the enclosed envelope immediately, or lose my home. I signed it and XXXX it back. 
After reviewing the modification, {$31000.00} was added to the principle of my loan and my interest rate was 3.75 %, not the 3.0 % I was given at the event in XXXX. This means with the {$28000.00} I had already paid in, I was only three payments behind, the third coming because of the time it took to process my loan modification., it was under duress and my {$28000.00} has disappeared. I assume it was consumed by excessive fees and closing cost for this modification that was totally unnecessary. I have attached the cover page of the loan modification to show the cost.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I used my Wells Fargo online banking to transfer {$1900.00} from XXXX XXXX XXXX XXXX XXXX ( XXXX ) to Wells Fargo Bank. The transfer was successful and posted to my Wells Fargo checking account on XX/XX/XXXX. 

On XX/XX/XXXX @ XXXX I received an email titled, " Bank-to-Bank Transfer Unsuccessful from Wells Fargo '' The email stated the transfer was not successful with a reason of, " XXXX Insufficient Funds ''. 

My first call to Wells Fargo was XXXX minutes and XXXX seconds ( of my time ) to tell me their system shows XXXX 's system rejected the transfer due to insufficient funds. They let me know there was nothing they could do to help and referred me to XXXX. 

I reached out to a family member to loan me money to avoid my mortgage payment being rejected. This caused additional stress and embarrassment. 

I reached out to XXXX  via chat. Their first response to my inquiry was, " I show that amount being withdrawn from your account on XX/XX/XXXX. I do not show record of it being returned. If you would like I can provide you with the trace number that you can give to them [ Wells Fargo ] to research with! '' The representative then provided me with this tracer number. 

I then called Wells Fargo back. This call was XXXX minutes and XXXX seconds ( of my time ). The first representative let me know there was nothing that could be done and that her system was showing it was rejected. I ended up asking for a supervisor. She did not get me a supervisor, but instead, escalated me to her, second level of support. I spoke with XXXX more individuals insisting that I had the money in XXXX and that XXXX was insisting they did not reject it. I offered the tracer number XXXX. Finally, the last individual I spoke to offered to file a research claim. My confidence is low that this will resolve the issue. 

As of today, the money is not in either of the accounts. I would assume it will show back up in XXXX and I will have to spend more of my time to get it back to Wells Fargo due to scheduled payments that will be coming out. 

At this point I do not know if the error was on Wells Fargos end or XXXX.
Product: Credit reporting or other personal consumer reports

This is my numerous endeavor that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please delete the reporting of any information in my credit file that resulted from an alleged identity theft. 
These items are unknown to me. Also, the information you provided on some items are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some items are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 
XXXX XXXX XXXX, XXXX XXXX, MO, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO, XXXX XXXX XXXX XXXX Balance : {$5400.00} XXXX XXXX XXXX Balance : {$2500.00} XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1400.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2100.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$130.00}
Product: Credit reporting or other personal consumer reports

I have to refile this complaint to TRANSUNION because they are not taking actions even how hard I tried to communicate with them about the unauthorized inquiries and fraudulent accounts on my credit document that are genuinely agreeable, demonstrated legitimate, or reported as completely non-permissible and a result of Identity theft also this complaint includes unverified and incorrect information the accounts. My address is XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX, and I go by XXXX XXXX XXXX . My birthdate is XXXX. I have noticed likely duplicitous and unquestionably dubious protest announced requests on my credit records that have no allowable or approval made by my individual of choice. The FTC report numbers related to this complaint are XXXX and XXXX. As a consumer, I have the right for request or potentially constrain you to eliminate them when conceivable inside my government and state consumer or potentially social equality. I am filing this consumer complaint and conducting a consumer check to ensure compliance with FACTA Title 1 Section for the particular items you are reporting. 151 that unambiguously obliges a depicted of the modus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve. I sent letters to Transunion Credit Bureau from XX/XX/2021 to the present, and I have not received any response up to this date. On the other hand, the inaccuracies about my account are continuously reported on my Transunion Credit Report. That means Transunion failed to comply with the Fair Credit Reporting Act law which states that the Bureau should provide to the client 's requests. Here is the concerned account : XXXX XXXX  XXXX {$0.00} XXXX XXXX {$310.00} XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The following Inquiries Viewed By Others listed on my Chex Systems Consumer Report ID : XXXX is fraudulent, unauthorized and not my inquiries : XXXX XXXX, XXXX, XX/XX/2020 and XXXX XXXX, XXXX, XX/XX/2020. I am a victim of identity theft and have a current police report on file with Chex Systems.
Product: Credit reporting

I requested inquiries to be deleting from my credit report but they remain.
Product: Debt collection

First financial asset management. started calling repeatedly from XXXX XXXX until today. they call from several numbers XXXX and XXXX when i answer they say nothing but call back several times. When they finally do say something they harass me about how i need to find a better job to pay them more. Even said to use my stimulus check which hasn't even been sent. They tell me i need to pay more and that i need to do better. I am a single mom of XXXX. i pay them every month and they continue to call regardless of me paying every month. it is harassment and i hnestly don know what else to do.
Product: Mortgage

In XX/XX/XXXX I had to refinance with Wellss Fargo Mortgage company. At the time I had a mortgage specialist assigned to me. The terms were a hardship and this was duly expressed with the loan provider. On an income of XXXX/month, Wells Fargo expected payments of XXXX for 4 months and then back to my normal payment of {$680.00}. XX/XX/XXXXthru XX/XX/XXXXpayments were made, in XX/XX/XXXX my only vehicle broke down and needed repairs. I reached out to Wells Fargo, only to find they changed my home specialist. Then I started getting statements that didnt reflect my payments posted. My specialists were changed multiple times. Wells Fargo made calls prior to XXXX XXXX  on the weekends. They also made several calls on an unlisted number. I requested a payment itemization multiple times on a recorded line and never received one. The current home specialist wrote to me and promised an answer by XX/XX/XXXX. They sent another letter stating I would have an answer by XX/XX/XXXX. Both dates have come and gone without Wells Fargo doing their due diligence. I currently have an immediate medical issue that requires a loan of {$30000.00}. Even though I have approximately {$50000.00} of equity in my home, I am being denied the funds for necessary procedures due to the disparaging credit history reported by Wells Fargo. Three FDCPA violations, failure to respond in a timely manner and denial of necessary medical care has forced me to submit this complaint and possibly seek legal recourse against this corporation. Also, they sent me an escrow refund check ... ..If Im behind on payments then why wasnt that applied to my account?
Product: Prepaid card

My XXXX account was immensely restricted to no reason. They will not tell me why my account was restricted, or how to access my funds.
Product: Credit card or prepaid card

I paid the entire credit card balance off of {$6500.00} on XX/XX/2021 and its shows going thru my credit card statement. On XX/XX/XXXX, XXXX, Capital One decided to charge interest charges of {$99.00} before my statement is even due. They refuse to refund the {$99.00} thou it was on a {$0.00} balance.
Product: Debt collection

Yesterday on XX/XX/XXXX I received a call and voicemail from XXXX from phone # XXXX who couldn't even be bothered to provide their full business name which they later disclosed today on XX/XX/XXXX as being XXXX XXXX XXXX. The voicemail provided a file # XXXX and mentioned threats of a lawsuit review. I called the phone number back same day on XX/XX/XXXX and spoke to a XXXX XXXX who spoke XXXX using a lot of legal jargon and telling me this was about a check n go loan from XXXX or XXXX. XXXX XXXX then stated she has record of me opening email communications of the debt through my IP address which is another scammy thing that's pretty much stalking since I would never consent to be tracked in any way by an unknown sender. Not sure how they are permitted to behave this way if they are a legit business. XXXX XXXX also threatened recommendation for my license to be suspended and or for a lien to be filed yet continued to say the debt is in dispute. XXXX XXXX said the borrowed debt is around {$900.00} but are showing a total amount of over XXXX that is due. XXXX XXXX gave me the phone # XXXX to call for further information. XXXX has never sent me a letter to explain their involvement in the debt and check n go has nothing on file for me to explain where this debt is or was. I called check n go today XX/XX/XXXX several times to hopefully speak to someone knowledgeable but they can't find anything. Today I called XXXX back to attempt yet again to get more information and spoke to a XXXX XXXX at phone # XXXX in the legal department who would not allow me to speak or ask questions about the debt and if I tried to ask anything he would yell and accused me me of borrowing money and not paying it back and of talking to him like he was a child. Very unprofessional! He mentioned my debt was sold but never said to who and said they have my fingerprint and video footage. Then afterwards, told me the call may be recorded which he shoulda said from the beginning! Very threatening! Poor and inadequate communication! I
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 XXXX. 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 XXXX XXXX XXXX. 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 in those account 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 


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


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX 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 or other personal consumer reports

I am writing to express my deep dissatisfaction with the unresolved matter of the credit card collection under the name " Resurgent Receivables, '' which is currently reflecting on my XXXX and XXXX credit reports. This collection pertains to a fraudulent credit card activity that I reported numerous times and for which I have taken appropriate steps to rectify as per consumer laws and guidelines. 

My efforts to resolve this matter have so far been met with frustration, as the fraudulent charges and transactions made by my ex-partner on my credit report have unjustly impacted my credit history and financial standing. I have diligently contacted both XXXX and XXXX on multiple occasions, providing them with information to prove that I was a victim of fraud and should not be held accountable for those unauthorized charges. 

I have also taken the appropriate measures by filing an FTC report concerning the credit card collection in question. Despite my continued attempts to fix this, I find it extremely disheartening that the negative effects of these fraudulent activities persist on my credit reports, therefore severely affecting my ability to pursue other credit opportunities and financial transactions. 

Under the provisions of consumer protection laws, it is my right to have inaccurate and unjustified information removed from my credit reports in a timely manner. I insist that you take immediate action to investigate and address this issue by promptly removing the " resurgent receivables '' credit card collection entry from my credit reports in a timely manner from all credit bureaus, XXXX, XXXX and XXXX. Failure to do so not only contradicts the fundamental principals of consumer protection but also subjects you to potential legal consequences for non-compliance. 

I kindly request that you provide written confirmation of the actions taken to rectify this situation within 30 days from the date of this letter. I look forward to swift resolution of this matter and anticipate your timely response.
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I sent companies letter requesting certain certified documents related to alleged account to be mailed and this information was requested in good faith pursuant rule 1002 and it was never provided. I also called regarding alleged account to be investigated while speaking with represent I express my rights to opt out of all authorizations per the fair reporting credit act as a federal protected consumer which i am and that I may have given to you in writing, unwritten, verbal or non-verbal for sharing my nonpublic information to third parties to opt out. Sec. 15 U.S.C 6802 - Obligations with respect to disclosures of non-personal information. It is ILLEGAL for creditors to report late payments 15 U.S CODE 1681. EITHER, never sent certified documents along with the disclosures from section 1637 ( b ). This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

My account with CREDITORS was never late! I have had exceptional payment history with XXXX, XXXX, XXXX and XXXX all payments were placed on Autopay.

The 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 with 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 LATE to be updated. PAID AS AGREED 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. Update the late payments from my consumer reports
Product: Debt collection

I received notice that I owed a collections balance of {$830.00} from Credence Resource Manage. I do not have any knowledge of having any debt to my name. I've been building up my credit this past year and I've done a good job with keeping up with payments so that I can achieve my high score. I was devastated when I got this notice being as though I am not aware of this account. I called the debt collectors to get more information because at that point I realized somebody must have got access to my ssc. During that time of said service from XXXX XXXX I never owned a TV nor did I even have my own room. I was sleeping in the living room with other family So theres no logical reason that I would even get cable service especially with no job no income & pregnant with my first child. I believe I have clues on how someone could get access to my info because I transferred from states & had my mail coming to my family members house there is no other way of anybody getting it to my knowledge. The collections agency notified me there is four numbers connected to this XXXX XXXX  account which is strange. I'm not sure about how tv service is but when I had XXXXXXXX XXXX I used my email to sign up. The collection agency says there was none on file for that account which I know isn't mine because I use my email for everything I sign up for etc.. Please help me figure out how to dispute this account from my name.
Product: Credit reporting 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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

I had a previous Discover credit card account that was discharged under Chapter XXXX Bankruptcy on XXXX XXXX, in the United States District Court District of XXXX XXXX XXXX. I have applied twice for a Discover Secured credit card, but both of my applications was denied due to the previous Discover account that was discharged in bankruptcy court. I want to know when will Discover Bank allow me to apply for, open up, and get a Discover Bank secured or unsecured credit card account.