23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have been trying to get answers from this company for a long time. I wanted an audit on my account they refuse to do it. I had to start my own spreadsheet which is about 20 pages long to find out some of the problems which they have never ever completely resolved. The one I am writing about now is critical as it relates to my payment on my mortgage that was modified. I was sent to escrow statement of a shortage in XX/XX/2018. I had already been trying to get other issues related to escrow resolved that have still never been resolved for two years. This particular escrow statement has three pages. On the first page it discusses my current escrow balance is {$310.00} and it says to keep up with the expense of my insurance and taxes it Hass to go up to {$340.00}. The difference is around {$31.00} per month however on the first page, they want to charge me {$31.00} per month over 60 months that comes to a figure of {$1800.00} and the original escrow amount is only {$530.00}. On the second page of the statement it has the correct figures over 60 months being only {$8.00} per month. They have not corrected it they have build me {$31.00} per month for the last going on for statements and refuse to correct it. I want this corrected but they drag me on and on I have spoken to so many people in email format on the phone and in voicemails heres a list I spoke to XXXX XXXX in their executive office multiple times XX/XX/XXXX I spoke to XXXX XXXX a personal banker in a local office or emailed him XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. I was able to get a hold of an executive in the XXXX XXXX office I emailed her XXXX XXXX Several times XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX. I also contacted supervisor in the Mediation department XXXX XXXX I included her in several of the emails I sent to XXXX. I spoke with XXXX XXXX on XX/XX/XXXX. I talked with XXXX on XX/XX/XXXX she was going to give XXXX XXXX a message. I received a letter dated XX/XX/XXXX from XXXX XXXX not resolving the problem glossing over it. I started working with another representative XXXX XXXX, I have talk to her last Friday. Ive left her a voice message on XX/XX/XXXX XX/XX/XXXX and I called and spoke to a XXXX today on XX/XX/XXXX I spoke to a XXXX on XX/XX/XXXX and I spoke to a supervisor by the name of XXXX on XX/XX/XXXX. This is only one of the problems I am dealing with they have been skimming from my account for years with the PMI required insurance on an FHA. They would take it out of my escrow and take it out of my payments. This particular problem is easy to fix but nobody seems to want to fix it they would rather foreclose on my home.
Product: Credit card or prepaid card

I have been paying my Amazon store and my paypal credit accounts religiously for years and the only time I had any issues paying on time or just passed the due date was during the initial months of the covid crisis. Synchrony decided to close my auto care card in XXXXXXXX XXXX XXXX during the main time of covid when every other credit and financial company was helping their clients. After they closed the account, I appealed the closure, that in turn got denied. After that, I told them they wouldn't see a dime paid towards the account and I have kept that promise on that specific account. All open accounts were caught up and kept in good standing before and after covid without question. I have made the payments since learning of said closure of these two ( Amazon and Paypal credit ) in good faith that these two will be reopened.
Product: Student loan

Since I graduated in XX/XX/XXXX I have been nothing but struggling to make my student loan payments each month. My payments right away started at {$390.00} and that was only for one of my student loans, out of 4. {$390.00} was also considered a " rate reduction '' as if Navient/XXXX XXXX was doing me a favor. They allowed me to pay that outrageous payment for 15 months. That rate reduction plan just ended this past month ( XX/XX/XXXX ) and now I am paying {$480.00} a month just for Navient. That is not even close to including my other loan vendors like XXXX XXXX and my other federal student loans through navient. The fact that my interest rate starts at 8 % and goes as high as 11 % is absolutely sickening. Makes it near impossible to afford the cost of living in this day and ago. It is unfair to pay such high payments with an outrageous interest rate. It makes it near impossible for anyone to pay back their loans in such a short amount at a large amount along with the cost of living. I thought student loans meant there was going to be low interest considering the fact that students do not make any money during school as well as a " generous '' 6 months graced period after graduation. It is very unrealistic to think that students are able to afford these ridiculous repayment plans.
Product: Mortgage

1.The company is Wells Fargo Home Mortgage . I have tried many times to ask Wells Fargo to move my payment date from the first of the month to the XX/XX/XXXX of each month. I get paid on the XX/XX/XXXX of each month. They will not do this request and always charge me late fees. I do not believe this is fair. I WANT A CHECK FROM WELLS FARGO FOR ALL THE LATE FEES OVER THE LAST 4+ YEARS OF LATE FEES AND WANT THIS PAYMENT DATE TO BE CHANGED FROM THE XX/XX/XXXX OF EACH MONTH TO THE XX/XX/XXXX OF EACH MONTH. 

2. I was late in one mortgage payment due the fact that my checking and saving account was hacked into. I contacted Wells Fargo and set-up a plan to have the mortgage current. They said no problem. I paid the mortgage as agreed one day before the 30 days was up. They report this as 31 days past due and really hurt my credit rating. I have tried to refinance the house but can not get approved because of this on my credit report and how it dropped my credit score. I WANT THIS TAKEN OFF MY CREDIT REPORT. 

3.I have NOT sought out any legal involvement yet but if these matters are not resolved to my satisfaction I will seek legal representation and go after Wells Fargo and Wells Fargo will pay for my legal fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of account which do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXX CA XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due  XXXX ,   XXXX   60 days  XX/XX/XXXX  90 days  XX/XX/XXXX  30 days   XXXX   XXXX   am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attempting to remove a credit freeze with Experian. Unable to get through to anyone who can help. Website and phone contact gets nowhere. No one answers at any of their published phone numbers. Error message when submitting request online.
Product: Credit card

Case number : XXXXThe so-called response from Chase is NOT even signed so there is no way to identify whomever is involved in solving this problem. The lack of a signature suggests a lack of accountability and therefore a lack of integrity which only adds insult to injury. In the meantime the problem has not been solved!
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. In addition I DID NOT receive the required opt-out notice at the time I created the accounts that Im reporting which is a violation of 15 USC 6802 of the Fair Credit Reporting act. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SYNCB/SAMS XXXX XXXX XXXX XXXX SYNCB/AMAZON XXXX XXXX XXXX XXXX SYNCB/CARECR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S. C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S. C 1681c. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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. 

15 U.S.C 6802 ( a ) Notice Requirements states. Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a non-affiliated third-party any, non-public personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section XXXX of this title.
Product: Credit reporting, credit repair services, or other personal consumer reports

I can not believe Equifax 's response. They indicated they could not locate a file for me yet they report information every month. Again they are reporting a XXXX XXXX on my report and it's over 7 years old. I want it deleted!
Product: Credit reporting or other personal consumer reports

XXXX, XXXX XXXX TRANSUNION ALLOWED XXXX XXXX TO REPORT MY ACCOUNT AS A CHARGE OFF WITH A BALANCE DUE. 

XXXX, AND XXXX ALLOWED DEPT OF ED TO REPORT MULTIPLE ACCOUNTS HAVING 9 LATE PAYMENTS WHEN TRANSUNION IS REPORTING 0 LATE PAYMENTS. 

XXXX, XXXX XXXX TRANSUNION ALLOWED XXXX XXXX XXXX TO REPORT ACCOUNT XXXX AS BEING A CHARGE OFF WITH A BALANCE DUE. 

XXXX XXXX XXXX TRANSUNION ALLOWED XXXX XXXX XXXX TO REPORT ACCOUNT XXXX BEING A CHARGE OFF WITH A BALANCE DUE. 

XXXX, XXXX XXXX TRANSUNION REPORTED MISSED PAYMENTS ON THE XXXXXXXX XXXX XXXX ACCOUNT XXXX. 

TRANSUNION IS REPORTED XXXX AS REVOLVING ACCOUNT BUT THE ACCOUNT IS NOT LISTED ON XXXX OR XXXX. 

THESE ERRORS ARE ILLEGAL AND UNETHICAL. PLEASE REMOVE ALL ACCOUNTS IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

Apple Card which is from Goldman Sachs bank is reporting me late on a credit card which was never late. I have reached out to both Apple Card and XXXX requesting them to update my records and to this day the have not updated anything nor provided me with information. This has caused me a lot issues financially and professional. I was never late on my Apple Card nor have received notifications from Apple Card advising me that my card is delinquent. I am kindly asking both Apple Card and XXXX to update my records and remove the 30 day delinquency from my records as soon as possible. Once again this is not my fault and Apple Card never provided me notifications or bills for this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I notified the company I have not received any text messages, letters or emails concerning any delinquency. They sent info to the wrong place. This was confirmed on one of my calls to Discover. I received a 30 days past due hit on my credit. Had I received proper notice from Discover via these platforms there would not have been any delinquency as I travel. In addition I was blocked from electronic payment for a period due to opening a second Discover account. I could not log in as it required both credit card numbers. I did not receive my 2nd card with the required info. I called Discover, they would not tell me the card number. I had to wait to receive the 2nd card in order to access the system.
Product: Credit reporting, credit repair services, or other personal consumer reports

Formal notice that you have failed to respond in a timely manner to my dispute letter of XXXX, depo

sited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.
Product: Debt collection

On XX/XX/XXXX, I ran my credit report on XXXX XXXX XXXX and noticed that I had new medical debt on each one of my credit reports. XXXX XXXX and XXXX XXXX. I contacted the company Midwest Recovery Systems. I told them that the debt was paid in full. Midwest Recovery System asked me to email them my proof of payment. He stated that that if it shows that I have already paid the account off that it would be removed on Friday XX/XX/XXXX. I sent my proof of payment the same evening. I called to follow up on XX/XX/XXXX. The company passed me from one person to the other. The last person spoke to said it would take 90days to investigate. I can not afford to have this derogatory information on my credit report for 90 days. I will be attaching proof that I made a settlement payment back in XX/XX/XXXX. This account was also sent to this collection agency by XXXX XXXX. Who is the original owner of the account I paid off through XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still items that need to be deleted. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these items ( A ). I hope these disputed items are deleted right away. 
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

XXXX  violated my rights 15 USC 1692c ( a ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 USC 1692b ( 4 ) not communicate by post card ; 15 USC 1692b ( 2 ) not state that such consumer owes any debt ; 15 USC 1692b ( b ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; 15 USC 1679c ( a ) Disclosure required Any credit repair organization shall provide any consumer with the following written statement before any contract or agreement between the consumer and the credit repair organization is executed : You have a right to dispute inaccurate information in your credit report by contacting the credit bureau directly. However, neither you nor any credit repair company or credit repair organization has the right to have accurate, current, and verifiable information removed from your credit report.
Product: Credit reporting or other personal consumer reports

I have written to Experian seven times to get them to address inaccuracies and other false information contained in my credit report. They have ignored my complaints and " verified '' without proof, but the errors remain. This is extremely unfair since they are supposed to adhere to FCRA law, including striving for 100 % accuracy on consumers ' credit reports, not violate it.
Product: Money transfer, virtual currency, or money service

Cant get exact dates and money because I cant view much due to restriction they placed. To sum it up put around {$600.00} total into a account with Skrill. Spent about {$300.00} online. When I tried to use it again they restricted my account which had {$300.00} left in it. Told me it needed to be reviewed and would take between 24 and 48 hours to be contacted on how to resolve. That never happened. Tried calling, said I wasnt allowed to speak to them until they reviewed. Waited a week still nothing. Sent a email got same story of how it needed to be reviewed. Tried using the chat bot and it said to click here to call and I couldnt. I guess there strategy is to wait me out until I forget, I have no idea. Im a financially stable, hard working, tax paying citizen. I live my life by a code and to try and help others and to me this was truly negligent and immoral business practices. Im just glad I dont need money for a emergency and dont want this to happen to anyone else. Filed a complaint with XXXX  now your department. Would take any help or advice to help me resolve this. Thanks for your time.
Product: Credit reporting or other personal consumer reports

XXXX of XXXX  I went on maternity leave without pay. I have a loan through Kashable that comes directly from my paycheck before I get it. However, with me being out of work for almost 2 months Kashable did not get payments. I understand why those payments were reported late but upon me returning to work Kashable started getting the payments again automatically. Even though they were now getting the payments they reported to the credit around XXXX missed payments because the XXXX I missed were not paid up. I would have thought the balance would be moved to the end and my payments would not continue to be late considering the money was being auto drafted as soon as I returned to work like previously. I spoke with Kashable about this issue 3 times.
Product: Student loan

I have an account with navient that I am not aware how I got with this company. I was not made aware that the company of which navient bought my loan from was taking place. It says that I owe {$31000.00} which can not be true and that my highest balance is {$19000.00}. This company has cheated struggling borrowers out of their rights to lower their payments " through shortcuts and deception. '' I have had several student loans obtained when I went to school at XXXX College in XXXX, CT. It says this loan was opened XXXX XXXX, XXXX. I do not know how this is possible when I XXXX in XXXX XXXX, XXXX.
Product: Credit card or prepaid card

NCA National Credit Adjusters were listed on my credit report and also this was a pre paid debit card reloaded at any XX/XX/XXXX or XXXX XXXX  to reload cash amounts this is still listed on my credit even though I have documentation of this being closed XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been filing and sending several letters and have never heard back. I sent letters several times to dispute the validity, and have requested validation and have received nothing. I will attach the letter sent several times.
Product: Credit reporting or other personal consumer reports

I am writing to address a pressing issue regarding inaccuracies on my credit report. Upon a recent review, I discovered late payments incorrectly listed on my accounts. I kindly request your prompt assistance in correcting or removing this information from my credit report. 
Maintaining an accurate credit history is crucial, and the reported late payments do not accurately reflect my financial responsibility. I believe this discrepancy is due to an error and seek your immediate intervention to rectify it. 

Also, I contact the bank thru a phone call and they said to fix this. Please conduct a thorough investigation into the reported late payments on my accounts and take the necessary steps to correct or remove this information from my credit report. 

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

XX/XX/2021 XXXX XXXX XXXX and Equifax information services committed these following violations below 18 USC 1341-Frauds & Swindles 15 USC 1681m-Requirements on users of consumer rights 15 USC 1681q-obtaining information under false pretenses 15 USC 1681d-disclosure of investigative consumer reports 12 USC 5512-Rule making authority 15 USC 1637-opened consumer credit plans 15 USC 1666a- Regulations of credit reports ( Consumers have a 100 % right to privacy ) 26 USC 6304- Fair tax collection practices 15 USC 1692- communication in connection with debt collection Question why are debt collectors attempting to communicate with me?
Product: Mortgage

PennyMac has reported incorrect payment history on my credit report. My loan had part of the COVID Forbearance Plan from the beginning XXXX to mid XXXX. I was on time with my payments in XXXX, XXXX of XXXX and XXXX, XXXX, XXXX, XXXX of XXXX.
Product: Credit card or prepaid card

This complaint involves a line of credit that I have with Wells Fargo. The account is 5 years old. I don't remember opening the account or never used the account. I never needed the account. Every year the account did not appear on my online account except when it was time to pay the {$25.00} fee for the account. I always made the payment online. I would say that I wanted to close the account but never able to do so. I was told that if I closed the account I would not be able to reopen the account. In XX/XX/XXXXI told the person on the phone again that I want to close the account and that I never needed the account or wanted it. A few day later I saw on my online account that my credit card was closed. My credit card was separate or should have been. I surmised that the two account may have been linked. I went to Wells Fargo located in XXXX on XXXX XXXX XXXX. They could not see what had happened but managed to reopen my credit card which had a balance on it. The could not give me any information on the line of credit or close it. I didn't have an account number, credit card or check and no way to access this account. I received a letter stating that the matter had been sent to mediation. 
Later I received a welcome package. The case had already gone to mediation. I did try to contact the person who had sent the package and was told they didn't know how to reach her. 
No agreement was met in Mediation. 

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

On XX/XX/XXXX a fraudulent chargeoff was added to my XXXX equifax, and XXXX credit report by XXXX XXXX  I disputed the original chargeoff which was reported on XX/XX/2018 as a chargeoff but its been reported three differentways. I received a brand new chargeoff reported on my experian, equifax and XXXX credit report after 4 years of the original chargeoff. As a result of this brand new chargeoff being added to my credit report even though the account is closed my credit score went down almost 100 points. FCRA gives me the right to validate and dispute any inaccuracies on my report without retaliation. This is a fraudulent chargeoff. I called the credit companys they said no chargeoff was added which is a lie. It shows a new chargeoff on on XX/XX/XXXX and all my fico and vantage scores went down 50 to 90 points. This is retaliation. FCRA says this is illegal ( section 623 ) protects me from this tactic. This chargeoff needs to be removed immediately it's fraudulent and retaliation. I disputed the original XXXX account because on all three credit reports it is reporting XXXX different ways which is an inaccuracy. XXXX XXXX retaliated against me by adding a new chargeoff 4 years later which is illegal reporting tactics.