23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I took out a loan from XXXX XXXX XXXX roughly two years ago in the XX/XX/XXXX. This account was created to pay for an XXXX and initiated within the doctor 's office. My understanding was that the account was zero interest for a period of 24 months, at which time the account would begin to bear interest at prevailing credit card rates.I made monthly payments on this account up to and including XXXX of XXXX. My understanding until very recently was that my account was in good standing and payment status was current. However, only after recently pulling my credit report I learned that I had fallen into default status ( 90+ days past due ). As a result, my credit score has been significantly impacted ( decrease from XXXX in XXXX XXXX to XXXX currently ). Additionally, my account balance has increased from {$5400.00} in XXXX XXXX to {$9800.00} as of this week ( as a result of penalties and retroactive application of 30 % interest ). I never received any correspondence of any kind from XXXX notifying me of a change in account status, interest rate, or required monthly payment increase. Only after calling XXXX proactively did I learn the status of my account ( and only at this point did XXXX begin to contact me in an attempt to collect / inform me of the account status - something I wish they had done six months ago when it went into non-current status ). I had the ability to pay this account in full in XXXX. I also should have been notified of the impending change in interest rate and been given the grace period typically allowed for accounts changing status ( and about to incur retroactive application of interest ). I have spoken with XXXX collections/settlement departments in an attempt to settle this account in full ( XXXX XXXX principal balance plus a reasonable amount of interest ). Despite multiple calls, I have been unable to find anyone to work with me on settling this as soon as possible. The lack of notification resulted in penalties and retroactive interest which ballooned into an 80 % increase of the account balance over six months. This, in my view, is unreasonable, deceptive and predatory. I have now paid the account in full under protest ( in order to stop further penalties and interest from accruing and further deterioration of my credit score ).
Product: Debt collection

Company called me 3 times in a row after hanging up on me the first time. This is harassment
Product: Mortgage

Company Name : Wells Fargo Home Mortgage Issue : Rescinded Load Modification Agreement What happened? 
I was under the COVID-19 forbearance through my lender, Wells Fargo XXXX Before the forbearance ended, I called them to find out what options I had to resume paying my mortgage. I selected the loan modification. They sent paperwork out late due to COVID. I got them notarized twice on two separate times at my local bank. The first time, I was not aware that my deceased husband had to be removed from the documentation, so they resent updated information. The second time, I got the documents notarized and signed and initial on every page that I noticed needed signatures. However, they contacted me and said that I missed an initial and the paperwork had to be re-notarized, signed, and initialed because the entire document had to have the same date. That said, I informed them that I would like them to send another modification agreement and to order me an at home notary. The lady agreed to order me an at home notary and it had been waiting but no one contacted me. 

On XX/XX/22, XXXX from Wells Fargo called me to tell me to be sure to sign the NEW documents and provide the requested documentation so that they could see what other options they were able to offer me since I was not able to pay the entire amount due in order to qualify for the modification. I was shocked and told her that I never told them that I was not able to pay. I said that I informed the last preservation agent that I just needed to get an at home notary ordered by them and that I would be sending the documentation in to them. She was surprised and said that the offer was rescinded since I said I could not pay. She said shed speak with her supervisor to see if they could still offer the loan modification. 

On XX/XX/22 at XXXX am, XXXX from Wells Fargo called to mention sending in the new paperwork. I asked if XXXX was able to honor the previous deal. I explained that I never agreed to the other deal and that they were supposed to have set up an at home notary for me. He said hed email XXXX who is out today and that I could not be included on internal emails, per my request. I explained that I never denied my initial offer and never agreed to another offer. I explained that I was waiting for the home notary. 

On XXXX, I received a call from XXXX at Wells Fargo who said her supervisor would not be able to give me an extension. 
___________________________________________________________________ In addition to all of the above, I never received a copy of the documentation that I needed in order to sign and correct the missing initials issue. They never sent it to me. 
____________________________________________________________________ What have I done to resolve the issue? 
1. I have informed them that the call was recorded when I told the preservation agent that I was still interested in the original loan modification agreement and that I requested an at home notary. 

2. I have answered their calls whenever they called me and have been open to working this issue out.
Product: Credit reporting or other personal consumer reports

These companies have obtained credit witout persible purposes and without permission by the consumer
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below have violated my federally consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX  : # XXXXXXXX XXXX XXXX : # XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX : # XXXX XXXX XXXX XXXX : # XXXXXXXX XXXX XXXX : # XXXXXXXX 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 602 A. Section 2 : It also states a consumer reporting agency can not furnish an 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 conviction 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I WAS LOOKING ONLINE FOR A WAY TO BOOST MY CREDIT SCORE AN RAN ACROSS 2 COMPANIES THAT OFFERED TO REPORT TO THE CREDIT BUREAUS ALL 3 AND THEY GUARANTEED A IMMEDIATE REPORTING TO THE CREDIT BUREAUS. BUT I HAD TO PAY A FEE EVERY MONTH THEY REPORT. THESE COMPANIES ARE XXXX XXXX -- -- -- REPORT AS XXXX XXXX XXXX XXXX =========REPORT AS XXXX XXXX PLEASE XXXX XXXX XXXX, AND XXXX XXXX THEY ARE SCAMMERS!!!! ! !!! I ASKED THEM TO STOP DEBITING MY ACCOUNT AFTER I HAD ESTABLISHED CREDIT OF MY OWN. AND THEY CONTINUED TO DEBIT MY ACCOUNT. THEY DO NOT OFFER ANY PRODUCTS ONLY TO REPORT TO THE CREDIT BUREAU. SO THERE FORE I ASKING THAT ALO 3 CREDIT BUREAUS REMOVE THESE 2 ACCOUNTS FROM MY CREDIT REPORT OR PROVIDE ME PROOF OF PRODUCTS ORDERED AND A PAY HISTORY .I HAVE BEEN PAYING THESE COMPANIES JUST TO REPORT TO THE BUREAUS TO INCREASE MY CREDIT SCORE. PLEASE REMOVE
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed an account with XXXX XXXX several times with experian. The account number is XXXX. This account was closed and charged off in XXXX of XXXX XXXX XXXX has been manipulating the data to keep pushing the date of federal obsolescence forward and maximize the point loss for it. 

As you can see from the enclosed copy, they stopped reporting the delinquency just after they charged the account off and closed it. But in XX/XX/20, suddenly they report that the account was 150 days late for the month of XXXX. 

This is a clear violation of the Fair Credit Reporting Act requiring the bureaus to report the correct present status of an item or delete it. It is willful non-compliance by XXXX XXXX for manipulating data with the sole purpose of moving the obsolescence time frame forward. 

This would be a valuable case for you to publicize. How many hundreds if not thousands of XXXX XXXX customers are having their data manipulated for this reason. What is this manipulation doing for the validity of credit scores which XXXX XXXX and the bureaus promised to Congress would be " empirically derived and STATISTICALLY SOUND ''?
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

In XX/XX/2022 I opened a commercial account with Chase bank, after having opened a personal account that there was a problem which also froze my account and they made me open another personal account closing my first account but I no longer qualified for the bonus coupon Welcome, it was disappointing. But the problem did not end there when I opened my business account for my business that started legally in the state of XXXX, did not receive my business debit card and chase financial company has been called to resolve but XXXX requests have been made that they do not I have received a debit card from my commercial account and I was affected by not being able to make my purchases with the commercial account related to my company. They say that it is a mail problem but other entities if I receive mail, then they said that they will request expedited shipping and they they would charge a fee for the shipping and to give another address, so i agreed and gave my old address and they charged me {$5.00} replacement card and to my surprise it was the same card from my personal account replaced not my business debit card, like this I still haven't received my debit card from my business account. I already tried to solve it with them but I don't know what they are playing at.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX IS REPORTING A FRAUD ACCT ON MY CREDIT REPORT. THE ACCOUNT WAS WITH A PREVIOUS COLLECTION AGENCY AND WAS REMOVED BECAUSE OF FRAUD AND NOW XXXX HAS TRANSFERRED IT TO ANOTHER COLLECTION COMPANY. 

I WOULD ALSO REQUEST THAT XXXX, EXQUIFAX AND XXXX UPDATE MY NEW PHONE NUMBERS ON MY CREDIT REPORT TO XXXX, HOME XXXX AND XXXX
Product: Credit card

Subject : Request for Removal of Late Payment Account # XXXX Dear ( XXXX ) Representative or " To Whom It XXXX Concern '' I am writing to formally dispute a late payment recorded on my XXXX account. During the COVID-19 pandemic, I faced significant financial difficulties that impacted my ability to make timely payments. The unprecedented circumstances surrounding the pandemic caused briefly describe your situation, e.g., " a loss of income, increased medical expenses, or other hardships ''. These challenges prevented me from adhering to my usual payment schedule, which I would have otherwise maintained without issue. I am aware of the importance of maintaining a good credit history, and I have always valued my relationship with ( XXXX ). However, the late payment currently documented are now hindering my ability to qualify for future loans and credit cards, creating ongoing financial strain. I kindly request your consideration in removing these late payment entries from my account. I genuinely believe that this adjustment would not only reflect my overall commitment to my financial responsibilities but also assist me in rebuilding my credit standing during this recovery period. I appreciate your attention to this matter and your understanding of the challenges many individuals faced during this time. Please feel free to reach out to me at Phone # or your email should you need any additional information or documentation to support my request. Thank you for your time and consideration. 
Sincerely, XXXX
Product: Credit card

XX/XX/XXXX {$100.00} Payment made for payment due XX/XX/XXXX XX/XX/XXXX {$100.00} Payment made for payment due XX/XX/XXXX XX/XX/XXXX {$4.00} Interest charged ( This card is for medical costs and no interest charged so long as the bill is paid within 1 year ) XX/XX/XXXX {$30.00} late fee charged ( representative said that I made the XXXX payment before the statement date of XX/XX/XXXX. Even though this payment was made AFTER the XXXX payment due date of XX/XX/XXXX. They agreed to waive the {$30.00} late payment charge but would not waive the {$4.00} interest charge ) I paid the balance of the card minus the {$30.00} late fee and {$4.00} interest charge and I closed this credit card account on XX/XX/XXXX because I feel that they are guilty of unfair practices. I switched to paperless billing in XXXX of XXXX to avoid the newly imposed {$1.00} a month paper bill fee and that is when the problems started. I never received an invoice by email for XXXX of any months after that. I had to always remember to login and pay the bill each month. They are claiming to have sent me an email, but the only thing I would receive was a notification by TEXT that I had missed a payment. 
I feel that Care Credit is misleading saying that they won't charge interest but instead charge for paper bills and then don't send statements so that the consumer ends up paying late fees and interest charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX FIN XXXX, DEPTEDXXXX XXXX, DEPTEDXXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX 15 U.S.SC 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXXXXXX XXXX  XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to apply for a loan to purchase a jet ski and I was told that my credit had to be reviewed to see if I was eligible. As they checked my credit they told me I was eligible but my interest rate would be high due to my score not being the best. I asked what was the reason behind this and they told me there was some student loans on my account that was hurting me. I have never applied for student loans. The loans do not belong to me. My identity has been compromised. Please delete these student loans from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several hard inquiries that were not me Id like to get rid of by the companies 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written XXXX several letters disputing information reporting inaccurately in my credit file and they have NOT done an investigation. If they had, they would see the errors and they should not have sent me a verified as accurate letter. I informed XXXX XXXX XXXX and Experian as well as XXXX that there are XXXX different dates for last payment. IT HAS NOT BEEN CHANGED OR UPDATED. I informed them of no account number on my XXXX report. IT HAS NOT BEEN CHANGED OR UPDATED. This was not an accurate investigation at all!!!!! XXXX and all the credit bureaus continue to report in accurately damaging my credit. All information must be correct on all of my credit reports according to the FCRA.
Product: Credit reporting or other personal consumer reports

Hello my name is XXXX XXXX I'm aXX/XX/XXXX I have several accounts that was opened without my consent all of these accounts are fraudulent and I need them removed off my credit report. The account is a credit card with XXXX XXXX XXXX ( Original Creditor : XXXX XX/XX/XXXX ) XXXX for {$120.00}, the next account is XXXXXX/XX/XXXX XXXX the amount is {$2300.00}. PLEASE RESOLVE WITHIN 4 DAYS.
Product: Mortgage

We were in the process of refinancing our mortgage with XXXX Mortgage. On XX/XX/XXXX at XXXX pm I asked XXXX XXXX, our loan specialist, to provide me with a final, corrected Closing Disclosure before we signed the final loan documents at the settlement table. At XXXX pm on XX/XX/XXXX, she sent us a corrected Closing Disclosure that showed we would be getting {$2900.00} cash back to borrower at closing. I responded to her via email that " this is acceptable '' and we were ready to close. 

When the notary from XXXX XXXX XXXX XXXX showed up to our house, she had over 20 pages of documents for us to sign. The Closing Disclosure in this packet of documents was not the same CD that I had approved via email prior to the in-person closing. A new CD was inserted that showed that we were to only get {$2000.00} back at closing. NewRez, or the title company, kept the balance of the funds. 

When we received the check for the incorrect amount, we reached out to XXXX XXXX and XXXX XXXX, the original loan consultant, about the error. As of today, XX/XX/XXXX, there has been no resolution to this matter. It is unfair and deceptive for the Closing Disclosure to change at the closing/settlement table without prior approval from the borrowers. 

XXXX & XXXX XXXX
Product: Credit reporting or other personal consumer reports

There is information that on my consumer report that is a result of identity theft. I did not provide written permission of instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. You are in violation under 15 U.S.Code 1681i ( 5 ) removal of Inaccurate/Invalidated Credit Information and 15 U.S.Code 1681 ( e ) ( b ) Compliance procedures maximum possible accuracy & section 604 15 us code 1681 B.

The identified transactions are not information related to any transaction by me as the consumer ( see attached )
Product: Credit reporting or other personal consumer reports

XX/XX/year> Was the 1st attempt of requesting the removal of public information reporting inaccurately which is in direct violation of 15 US CODE:1681 1 ( I ) 5, 15 USC 1681e , 15 USC 1681a4 , 15usc 1681n Company : Transunion XXXX XXXX XXXX XXXX disputes, phone calls and certified mail-along with a letter from the clerk of court requesting the removal of these three public records reporting inaccurately. Transunion along with XXXX and XXXX have continually ignored my request. This is a clear violation of my rights under 15 USC 1681a ( 4 ), which mandates the need for consumer reporting agencies to ensure the maximum accuracy of information in consumer reports. I have provided all necessary documentation, and I am extremely dissatisfied with the lack of response and resolution. I am attaching all relevant information for your review and assistance in resolving this matter.
Product: Money transfer, virtual currency, or money service

On Thursday, XX/XX/XXXX a client attempted to pay my company {$4000.00} via XXXX for services and an error message came back We can not currently accept payments to this recipient. 
XXXX couldnt or wouldnt tell me what the error was, so I accepted money from this client a different way but then transferred the money from that payment method into my companys XXXX account. 
I transferred {$5000.00} on XX/XX/XXXX to my companys XXXX XXXX  account from another method my company accepts payment. This transaction was simply a transfer between company accounts. 
On XX/XX/XXXX, I attempted to transfer {$150.00} to a member of my company. When I initiated that transfer, an error message popped up : " We can not currently accept payments to this recipient. '' The same message my client had gotten a week earlier. I tried to send the money to myself, a XXXX of the company. Same error message. 
The member of my company contacted XXXX support team. My business partner told me XXXX wouldnt talk to him, so I talked to Wises support team myself via phone on Monday XX/XX/XXXX about my issues with my XXXX account. They said they would email me a response about my issues within 2 business days. 
On XX/XX/XXXX, more than 2 days of waiting for XXXX response, I tried to login to my wise account on a mobile device. I couldnt. I tried again and I was prevented from logging in again. 
I attempted to login from a laptop on XX/XX/XXXX and an error message popped up when I tried to login to my account : Sorry, we deactivated your account. Read more in our Help Centre. 
Their help center was unhelpful as it stated that they cant tell me why they decided to shut down my account. 
I submitted an appeal to XXXX through the form online and gave them the details of one of my bank accounts to transfer the XXXX XXXX XXXX that I had between my XXXX accounts in the case they didnt accept my appeal. 
My business partner told me on XX/XX/XXXX that XXXX had closed two other company bank accounts we held with XXXX. We now had even more money that was being held XXXX by XXXX. 
On XX/XX/XXXX XXXX emailed me about my appeal. Weve decided to keep your account closed. And Weve checked the info that you sent us and we wont be able to send you the refund. They werent going to send me the {$5100.00} of company revenue in the account they closed. 
I emailed 3 of their support emails ( XXXX ; XXXX ; XXXX ) with a quote from their Customer agreement and stating that if I didnt hear back from support within 72 hours I would initiate legal action because its illegal for a money transmitter to steal money from their clients. 
XXXX has not contacted me via email since their appeal decision on XX/XX/XXXX. 
I want the {$5100.00} that XXXX stole from my company returned to me.