23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I recently obtained a copy of my Transunion credit report ( File number XXXX XX/XX/XXXX ). I'm requesting a thorough and detailed investigation of the following account XX/XX/XXXX XXXXXX/XX/XXXXXXXX. This account is reporting several " Inaccurate and incomplete information ''. I'm requesting that this report be updated to reflect that the account has never had a late payment, or please have the reporter verify with documentation that this account has been late. 

1. Rating is reporting 30 days late for the following months : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. However, this is not consistent with what is being reported in the section " Maximum Delinquency of 30 days in XX/XX/XXXX and in XX/XX/XXXX. And the section " Pay Status : Paid, closed ; was paid as agreed, {$0.00} per month, paid monthly for 78 months. The maximum delinquency and Rating sections should reflect NO DAYS LATE, PLEASE UPDATE. 

2. This account is reporting inaccurate and incomplete information, when Transunion fails to report the " BALANCE '' for : XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. This section should have a balance or {$0.00} 3. This account is reporting inaccurate and incomplete information, when Transunion fails to report the " SCHEDULED PAYMENT for : XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

4. This account is reporting inaccurate and incomplete information, when Transunion fails to report the " AMOUNT PAID '' for : XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. This section should have the amount actually paid to creditor or {$0.00} 5. This account is reporting inaccurate and incomplete information, when Transunion fails to report the " PAST DUE '' for : XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. This section should have {$0.00} This reporting is a violation of 15 U.S.C. 1681e : Compliance Procedures : CRAs must follow reasonable procedures to ensure the maximum possible accuracy of the information contained in consumer reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX Complaint that I was the victim of identity theft. XXXX Fair Credit Reporting Act XXXX XXXX ( a ) you are require to remove/block any items which 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 are not relating to any transaction by the consumer. 
XXXX XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX, LA XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX ; XXXXXXXX XXXX XXXX XXXX Balance : {$13000.00} ; XXXX XXXX XXXX : {$1000.00} ; XXXXXXXX XXXX XXXX XXXX Balance : {$100.00} ; Medical XXXX Balance : {$480.00} ; XXXX  XXXX XXXX Balance : {$810.00} ; XXXX XX/XX/XXXX XXXX XXXX XXXX ; XXXX XX/XX/XXXX.
Product: Debt collection

On XX/XX/2021 I visited XXXX XXXX XXXX. I received a bill for {$3900.00}. In reviewing the bill I saw the hospital had double billed me for a charge for XXXX ( charging me twice of {$610.00} for the same test -- they only ran this test one time ). I contacted XXXX hospital several times to address their double billing. I was given the run-around, in them saying the test must of been done twice or it wouldn't of been billed. After them not giving me a proper explanation and trying to double bill me, I decided to pay the other parts of the bill of {$3300.00} ( proivded that would pay in full ). In sending my check I advised them in my letter as well as on the back of the check that : CASHING THIS CHECK CONSTITUTES PAYMENT IN FULL FOR BILLING. They cashed my check acknowledging that nothing else was outstanding. I have a copy of the check with their endorsement.
Product: Debt collection

I was notified by HUNTER WARFIELD debt collectors out of XXXX FLORIDA that i owe a debt. I denied that i owe a debt and requested evidence of debt. 
They sent me documents with no explanation of what the paperwork represented or how it proved I owe and am responsible for anything they are attempting to collect. I requested if they report this false information to credit bureaus to indicate that i dispute the debt and that is what they did. The credit agencies are refusing to remove the derogatory, false, and unsubstantiated debt HUNTER WARFIELD is attempting to collect. I have no relation to and owe nothing to hunter warfield and they have provided no explanation or evidence that i owe anything. 

Please investigate this company.
Product: Mortgage

I closed on my loan XX/XX/XXXX with Monarch Mortgage company. A year later I received an email from Monarch requesting my signature on a document. I didn't feel comfortable about signing documents after the fact ; therefore, i reached out to Bank XXXX XXXX ( XXXX ) to seek advice. i was told XXXX didn't have any documents regarding my mortgage. Therefore, I refused to sign any documents from Monarch. On XX/XX/XXXX I logged onto XXXX XXXX website to retrieve a copy of the deed of trust because XXXX sent a letter claiming they transfered my deed of trust to XXXX XXXX. This was alarming because XXXX was never listed on my deed of trust nor were they listed as the trustee. I found four new amendments with my signature ( forged ) and reference of consenting to the amendments. ( I didnt consent ) I was unaware of these amendments. Documents are attached. Please advise me of my rights. greatly appreciate any assistance in this matter. Thank you.
Product: Credit reporting 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 accounts ( A ). It is not permissible to fail to validate these reporting accounts 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 correct : XXXX  XXXX XXXX Balance : {$120.00} XXXX XXXX XXXX XXXX Balance : {$290.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$290.00} XXXX XXXX XXXX  XXXX Balance : {$2000.00} XXXX  XXXX XXXX Balance : {$120.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$290.00} XXXX XXXX Balance : {$2000.00}
Product: Mortgage

I lost my job in XX/XX/XXXX because of Covid 19, my employer lowered my pay rate and stopped my medical insurance and got a new job but this job doesn't pay me as much as the older one but I do get Medical insurance and in the future I will be making more money than my old job ... ... .I had a balloon payment on my 2nd mortgage and I tried to refinance with the lender Mr.Cooper but since I'm also going through a divorce I have to refinance on my own and I did not qualify for the refinance, my options that I did not know about were told to me by the lender a week ago, but now is too late because my balloon payment matured on XX/XX/XXXX and they say I missed the date to do a forbearance because of Covid 19, with a forbearance I could've more time to pay off more of my debt and also get another raise at my present job and now I'm been force to sell my American dream home... ..I don't think is fair that the lender withhold that information from me. 
I tried to refinance with other companies but I only got a lock rate that I can't use if I don't get a co-signer or if I have XXXX dollars in the bank by XX/XX/XXXX
Product: Mortgage

Wells Fargo Home Mortgage engaged in a classic bait and switch maneuver on me during the Covid-19 forbearance and loan modification process. I am a XXXX XXXX veteran that just started encountering services related XXXX problems in and around XXXX XXXX XXXX. As such, I fell behind on a payment just prior to Wells Fargo extending mortgagee 's Covid-19 forbearance options in late XXXX and early XX/XX/XXXX. I reached out to Wells Fargo Home Mortage and was granted forbearance by letter dated XX/XX/XXXX. In the letter Wells Fargo Hoe Mortgage represented to me that any missed payments would automatically be moved to the end of my mortgage. By letter dated XX/XX/XXXX, Wells Fargo extended my forbearance period. The letter did not say anything about how any missed payments would be handled and whereas the letter represented itself as an extension, I assumed it was under the original terms as stated in the original XX/XX/XXXX forbearance letter. I continued to labor under this assumption until XX/XX/XXXX wherein Wells Fargo Home Mortgage sent me a correction letter stating that my missed payments may not automatically be applied to the end of my loan but by this time I was 9 months in to the 18 months forbearance period without the resources to do anything else but to continue in the forbearance program. I came out of the forbearance program in XX/XX/XXXX and made my first payment in XX/XX/XXXX and every month thereafter on time and in full. I immediately began working with Wells Fargo Home Mortgage on a loan modification and requested that Wells Fargo Home Mortgage consider me for any of the other programs that their XX/XX/XXXX XXXX or their XX/XX/XXXX letters stated I would be considered for. After a long and protracted process, Wells Fargo Home Mortgage claimed that they could not calculate an affordable payment under any of their programs even though I has more half way through paying off my mortgage and had considerable equity in the home and I am making more money now then when I purchased the home. The only program Wells Fargo Home Mortgage offered me was a short sell. They refused to apply the missed payments from XX/XX/XXXX to XX/XX/XXXX to the end of my loan even though they acknowledged their error in writing. They engaged in negative credit reporting for these missed payments which prohibited me from refinancing with anyone else and repeatedly sought to compel me to embrace a short sale when I told them that this house is a house my ex-wife and kids live in and I will do everything possible to keep a roof over their heads. In the end, I had enough resources to get the mortgage back in good standing paying an additional $ XXXX in missed payments over the 3 months I was appealing Wells Fargo 's denial of the loan modification on the grounds that I could not afford the mortgage I had been making consistently both before and after the forbearance period with the exception of this brief period of dealing with a new XXXX diagnosis between XXXX and XX/XX/XXXX right before COVID-19 hit.
Product: Checking or savings account

On XX/XX/XXXX, an individual from XXXX got my routing and account number and proceeded to try to write a check in my name and now several withdrawals in the time since then. I alerted USAA immediately and they are refusing to close the account in question. I have moved my money out of that account, but USAA is allowing XXXX withdrawals to continue. I can't keep calling them and disputing these charges daily and they refuse to close the account. I have been told that the account was put in credit only status and that everything would auto reject and none of that is true and I can't rely on this bank to take action and close this account.
Product: Credit reporting or other personal consumer reports

Please check the information concerning the equifax data breach below in attachments XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
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. 

List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX  XXXX XXXX XXXX  : {$500.00} XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$500.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$87.00} XXXX XXXX XXXX {$25.00} 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: Checking or savings account

I made a payment to XXXX on the basis that it would be for a real estate transaction. It was a XXXX  agreement between XXXX and the seller, XXXX XXXX XXXX. The address is XXXX XXXX XXXX in XXXX. I filled out the paperwork and sent a bank wire of {$38000.00} to XXXX on XX/XX/XXXX of this year that was said to be for the down payment, 6 months of reserves and some other things needed. I also received a promissary note for the note that stated that I would receive a note at 20 % in which I would receive {$640.00} a month and I would be paid in full as well as receive 30 % of the deal when XXXX XXXX  sells. That was in XX/XX/XXXX, it is XX/XX/XXXX, and I have received one debt payment in all this time. I was also told this would be a project that would take anywhere from 3-6 months ... and it has exceeded that timeframe. I also received a copy of the deed for the property, some loan forms etc. but I never received anything with the seller 's signature. But I can assure you that all forms that I am submitting came directly from XXXX  and you can check my email to prove so. So it has been about 6 months and there has been no updates or progress on the property. I have relatives in XXXX  that know the address, and they stated to me that there was obviously nothing being done to it, no rehab or anything. So out of curiosity, I XXXX  the address and find out that the property is being sold for {$45000.00} by XXXX XXXX. The realtor 's name is XXXX XXXX and she assured me that the seller, XXXX XXXX XXXX has NO idea about the XXXX agreement with XXXX and said she has a legally binding contract with him so only she could sell the property anyway. And according to the projections, the {$38000.00} I paid was to be used for the down payment on a {$120000.00} loan.

Why would anyone take out a {$120000.00} loan just to sell it for {$45000.00}? I have a warranty contract for the transaction with XXXX XXXX XXXX initials and signatures on it. I just showed it to XXXX XXXX  this morning to and she said that she didn't believe they were really XXXX XXXX XXXX. I have also enclosed the promissory note, in which it states that at anytime if obligations were not fulfilled, I can ask for the entire amount of the loan back ... .which is certainly what I '' m doing. I know the only signature on the note is mine, but the agreement was still made and I expect it to be fulfilled and be repaid IMMEDIATLEY. XXXX XXXX says that she will back up everything I have stated as far as the property and her dealings with it. Her email address is XXXX and her mobile number is ( XXXX ) XXXX. She can also get you XXXX XXXX XXXX contact information as well.

I have disputed this with Wells Fargo and XXXX, and I have seen no investigation done. I know there must be SOMETHING they can do in this situation ... .whether filing a report on my behalf, an investigation or whatever they can do.
Product: Checking or savings account

Regarding my business checking account : From XX/XX/XXXX to XX/XX/XXXX ( last  statement received ) I have been shorted a total of XXXX. I have a checking account at another bank that balances to the penny every month which also has more activity. I find it very odd that for 4 months in a row, my Wells Fargo checking account is chronically short, especially since my other account always balances and the Wells Fargo does not. After working in the banking institution and working as an account for over 20 years I can not locate any errors on my part. It is also strange that it is ALWAYS short. I am to receive my next statement any day now. If it is short again I will be reporting that as well. 
I am curious to know if any other complaints have come in regarding this nature with Wells Fargo. I sincerely hope this will be looked into as I viewed other complaints about this bank and was astonished to read so many complaints about them. 
An audit I hope? 
Thank you for this opportunity to voice this complaint. 
My contact numbers are : XXXX & XXXX. My E-mail is : XXXX My address is : XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Signed ; XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft and per the communication from Equifax and XXXX, I was part of a data breach. ( also for XXXX too ) I requested a freeze on my report and thought that it was taken care of but when I recently was contacted by a dealer I immediately knew that the freeze was not on per my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX PENDING XXXX/XXXX/XXXX XXXX/XXXX/XXXX ( Estimated ) Dispute confirmation XXXX is still showing as pending on the online dispute status tool. The work has been completed. I have called the Equifax dispute customer service who continue to confirm the work has been however they have no idea or why the online status information has not been updated. I was told that this is holding up alerts to credit monitoring. I have been transferred back and forth between the dispute department and the personal solution department and Equifax refuses to resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several disputes with the following credit reporting agencies Experian, XXXX and XXXX about the fraud I have found on my credit report. These following accounts are unauthorized and I would like them removed from my credit report. XXXX XXXX date opened-XX/XX/XXXX, balance- XXXX XXXXXXXX XXXX XXXX date opened-XX/XX/XXXX, balance- {$1100.00}. XXXX XXXX XXXX XXXX, date opened-XX/XX/XXXX, balance- {$0.00}. XXXX XXXX, date opened-XX/XX/XXXX, balance- {$970.00}.
Product: Credit card

Credit Card for a Capital One account was sent to my address. I never applied for an account. I called customer service and explained situation, they were able to access account with my name, date of birth, and the numbers on the card that was mailed. Customer Service provided that the application for the account was submitted on XX/XX/year> and confirmed my address matched the one associated with account. I gave my phone number and they said my phone number did not match the one on the account, customer service could not confirm over the phone the social security number or phone number associated with the account. Customer service made a fraud report to have the account opening investigated and to have the hard inquiry now on my credit report removed ( as of XX/XX/year> ).
Product: Mortgage

I called to make a payment by phone to cure a debt of a mortgage that was two months past due. I informed the representative of my intentions to pay in full to get the account current. The representative puts his manager on the phone, who consistently asks why I have not returned some phone calls that were made within the past two months. This manager made degrading comments and refused to accept payment of the past due amount unless the next month 's payment was included. This was not yet due at the time of the phone call. The manner that this representative addressed the issue was both verbally abusive and unwilling to assist in my inquiry. I asked for a fax number, to which this representative asked the reason for sending a fax, and refused to give me a fax number unless I gave specific information about what was to be faxed to the company, and why I was faxing it. The representative continued to make verbally abusive comments, and commented on the presumption that I will not make any more payments until the end of the year. I was unable to speak without being interrupted by this representative who began raising his voice in a manner of interrogation, demanding to know how I intend to make future payments. I have never been belittled as much as I had been in this conversation, and I have never seen such abrasive and unprofessional practice as I did with this company, particularly with this representative. I understand the company 's frustration by the status of the defaulted loan, however I do n't feel that they have the right to speak to customers in a demeaning manner, ask questions that are not related to curing the defaulted loan ( i.e. questioning why I did n't answer the prerecorded phone calls that are sent to me several times daily ). This " manager '' did not give me his name or contact information, and did not help me with this simple resolution of curing the defaulted loan. Before calling, I intended to ask the amount of the principal of the loan, to which the manager told me that this has nothing to do with my loan repayment, and refused to inform me of this amount. I was then told to call back next week to " make sure I have enough money in my account '' to cover the past due balance, which would be over 90 days past due at that time. I have never been denied the chance to make a payment on an outstanding loan balance, and being belittled and talked down to was the main purpose that this representative spoke with me during the phone call that I placed to them on Thursday, XXXX XXXX.
Product: Credit card

ORDER # XXXX I returned 2 pair of shorts. Saks Fifth Ave received the return on XXXX XXXX. I received an email stating the refund would be issued within 10 to 14 business days. I contacted them on XX/XX/XXXX they said it would be issued on XX/XX/XXXX but as of today I still have not received a refund for 2 pair of shorts I returned on my Saks Fifth Avenue store credit card. I dont have the shorts or the return credit.
Product: Mortgage

I paid off my mortgage on XX/XX/2021. I have not received my escrow balance.