23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Wells Fargo appears to have fraudulently manufactured my mothers loan Documents after the merger date of XX/XX/XXXX with XXXX XXXX. Page 1 at the bottom shows the date of XX/XX/XXXX, but the number 8 appears to be altered, with page 6 of the loan documents it's showing a date of XX/XX/XXXX at the bottom of the page and also the notary seal has been whited out. There's also a mark that appears to look like a period symbol on my mother 's living trust signature which was done inadvertently by her possibly touching the pinhead on the paper and leaving an ink mark, I believe the Wells Fargo note that was provided to me by Wells Fargo has that mark slightly higher and I have numerous signatures of my mother on various documents and checks none of them having that mark near the C, which leads me to believe the signature was traced from the living trust I provided Wells Fargo.Also, on XX/XX/XXXX. XXXX XXXX XXXX at the age of XXXX was given a pick a payment predatory loan which had a staggering aggregate principal balance secured by the deed of {$140000.00} which was 125 % of the original loan balance of {$110000.00}, for a XXXX-year-old woman on a fixed income. Current
Product: Credit reporting, credit repair services, or other personal consumer reports

It is my understanding that an extended ( seven year ) fraud alert is in place with XXXX on my credit report. It is also my understanding that Equifax does not have an extended alert in place. 

I spoke with representatives of XXXX ( XXXX, XXXX ) and Equifax ( XXXX ) today. Equifax requested that I supply it with documentation before I may receive the extended alert. However, that should not be necessary in light of the seven year alert with XXXX. 

The FTC website addresses the extended fraud alert. The site states in part : How to place : Contact any one of the three credit bureaus Equifax, XXXX, and XXXX. You dont have to contact all three. The credit bureau you contact must tell the other two to place an extended fraud alert on your credit report. https : //consumer.ftc.gov/articles/what-know-about-credit-freezes-fraud-alerts Per the FTC guidance cited above, Equifax should immediately comply with its obligation to place an extended, seven year fraud alert on my credit report.
Product: Debt collection

SW Credit System opened a collection against me for the amount of {$570.00}. I never received a call from this company regarding this debt. They opened this account at XX/XX/2018 and then reported it two months later.
Product: Credit reporting or other personal consumer reports

Equifax continues to allow XXXX XXXX to report incorrect data on my credit report. Instead of delaying payments as discussed. They are reporting past due amounts that are incorrect. This is a violation of my consumer rights. I demand that the accounts be deleted off my credit report.
Product: Credit card

I am submitting this formal complaint against Synchrony Bank for its repeated and arbitrary closures of my credit accounts, most recently my PayPal Mastercard account. While this account had a modest credit limit of {$100.00}, the reasons cited for its closure are misleading and appear to be the result of Synchronys own actions rather than legitimate financial risk. 

Synchrony Bank claimed that the closure was due to a now-resolved issue with my mortgage companys reporting, which should no longer be a factor in account decisions. Additionally, Synchrony has repeatedly lowered the credit limits on my other accounts, artificially inflating my credit utilization ratio. This manufactured increase in utilization has then been used as a justification for further account closures, creating a harmful cycle that negatively impacts my credit profile. 

This is not the first time Synchrony Bank has closed an account of mine under questionable circumstances. Their unfair and seemingly retaliatory business practices are causing undue harm, and I am concerned that many other consumers are experiencing similar treatment. 

I urge the CFPB to investigate Synchrony Banks account closure policies and their impact on consumers credit health. Please let me know if additional details or documentation are needed.
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, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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. 1681B ( 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: Checking or savings account

On XX/XX/22 I deposited a {$9400.00} check from XXXX into my checking account. My account balance before I made the deposit was approximately {$3100.00}. Later that evening, I attempted to use my debit card but the transaction was denied, stating insufficient funds. I went online to look at my account, and Wells Fargo had put a hold of {$18000.00} on my account ( twice the check amount ), taking my balance to approximately - {$6700.00}. I called Wells Fargo at XXXX to ask why they would hold twice the amount of the check. The first gal I spoke to was unable to give me any information, so I asked to speak to a XXXX. XXXX XXXX came on the phone and the end result was that it " was just part of the process '' of depositing a check. I told him I was hoping it was a mistake, but he insisted no mistake was made and it was just part of their process, and that it was something that could possibly happen again in the future. I've never encountered that in all my years of banking, and I would like to know how or why they are allowed to keep me from my money like that. I understand a hold on the check for the check amount, but not double that amount. I read through my Deposit Account Agreement for Wells Fargo and I can't find anything in there that refers to holding twice the amount of a check.
Product: Debt collection

I have tried to call several times and no one will answer the phone. I have disputed this account with my credit bureaus and it gets taken off then reappears months later. They will not send proof of the account being mine. They have not sent any letters in the mail for me to dispute and no way to contact them to dispute the collection. The account is over XXXX years old and statue of Limitations is up.
Product: Credit reporting or other personal consumer reports

Per FCRA 15 USC 6802-6805, and th Privacy policy act of XXXX Any information that is shared without my consent is a Violation of my rights as a consumer. 
Therefore, I would like for experience to opt me out of the following accounts reporting : 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 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 Also, the reporting comments, creditor remarks, and/ or notices that are also reporting on my credit report. 

This is a violation of my rights so this is a final warning or I will seek legal assistance. 


My ONLY NAME is : XXXX XXXX XXXX. Please delete/ remove all others listed in the screenshot. 


I Never Gave any of the Above listed creditors written, unwritten, verbal, or non verbal consent to share my information with anyone.
Product: Debt collection

XXXX Tuesday I was in my office and my desk phone rang. Because I was with a customer I ignored it, but the phone rang back to back XXXX times. Then a forth. I answered it because I thought it was an emergency. 

I excused myself from my client who was sitting in front of me and I said hello. A guy says is this XXXX, " I said is this an emergency? '' He says " no I have some good news for you is this XXXX. '' I said " if this is not an emergency I am hanging up ''. He says " so it is XXXX, This is an attempt to collect a debt ... '' So i got very upset because this man is playing on my phone when I am trying to conduct business at work. 

He tried to trick me to validating a debt that I don't know about. Plus stressed me out by calling my job back to back having me thing that there was an emergency. My mother is a very woman. Has been all of my life. Cals like this alarm me and messes with my mental capacity to perform at work. 

I already told these people to stop call me after hours on the east coast.
Product: Debt collection

BANK OF AMERICA XXXX XX/XX/XXXX Account charged off. {$3.00}, XXXX written off. {$3.00}, XXXX past due as of XX/XX/XXXX. 
{$3000.00} XXXX XXXX XX/XX/XXXX Account charged off. {$720.00} written off. {$720.00} past due as of XX/XX/XXXX. 

XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Collection account. {$8.00}, XXXX past due as of XX/XX/XXXX. 

XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX Balance {$67.00} this account are fraudulent open by someone who stolen my identity, to obtain credit and services
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax should not be reporting that I am XXXX XXXX XXXX days late on the XXXX/XXXX partial account numbers : XXXX and XXXX. ( Please see pages attached from my credit report. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureau to remove these however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ocwen agreed to a modification in XX/XX/XXXX but with their agreement they promised to clean all lates as to provide us with a true fresh start. This was the third modification attempted and it finally worked out. We retained a lawyer to help. The initial modification was rejected by their error on XXXX, XXXX XXXX and that would have had us with a four year clean mortgage payment history.
Product: Mortgage

During my Citizens home loan application process, all forms of income reported weren't accounted for thus the loan was denied. 


On Monday XX/XX/2022. I gave the mortgage lender 3 jobs that I currently work and notified her that I will be giving her 2 more as I work for a XXXX XXXX and pick up contracts throughout the year. 

On XX/XX/2022 I updated her one more of the places of employment I work for. 

On Wednesday, XX/XX/2022. I updated the mortgage loan officer with all current places of employment for work verification. As this was the first time I was notified that they have to do VOE which was never previously done. 

On XX/XX/2022 I was updated that none of the places where contacted. I am not sure why however, that is a span of 2 weeks that no-one attempted my VOE. 

On XX/XX/XXXX, I was told that my loan was suspended due to t a back up. 

On XX/XX/XXXX, I was notified that my DTI was high for the loan amount. 
I was also notified on this day that only 2 out of the 5 incomes were being used. 

To be specific it was the 2 XXXX jobs and the XXXX XXXX I work for that were excluded for unknown reason. 

I asked to speak with someone above her ( mortgage lender ), however after a week, I was never contacted by anyone else. 

Also the price of the home is {$170000.00}. I have a XXXX XXXX. The denial letter stated I was denied for a home loan of XXXX. That was also inaccurate. 

There were also many days and sometimes weeks that I wouldn't hear back from anyone even after calling and sending multiple emails. This has showed a great lack of negligence and communication in the home loan process.
Product: Credit card

Chase bank and XXXX XXXX reported me late and interest fees for fraud transactions. Negative credit score.
Product: Debt collection

I just received notification that this account was added to my credit report. I did not receive a dunning letter..
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to formally dispute my Department of Education loan under Nelnet due to the data breach reported in relation to XXXX XXXX 's data security. This breach has resulted in the unauthorized exposure of sensitive personal information, which I believe directly affects my loan account. 

My understanding is that this data breach may have compromised personal information associated with my student loan, and as a result, I am requesting the removal of the loan until an investigation has been completed, and the risks of identity theft and fraud have been addressed. 

For reference, my loan account number is : XXXX. I would appreciate your immediate attention to this matter, as the security of my personal data is of paramount concern. 

Please inform me of any actions being taken, and if further documentation or verification is needed from my end to resolve this issue. I trust that Nelnet will take the necessary steps to protect my account from any adverse consequences arising from this breach.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I submitted to transfer money from my Citizen 's online savings account with their bank to bank transfer service. I submitted a request on XX/XX/XXXX to transfer money from my XXXX XXXX XXXX Account of {$4000.00} to my online Citizen 's online savings account. I received this email on XX/XX/XXXX : Transfer Details Item # : XXXX Amount : {$4000.00} From : XXXX XXXX XXXX, Checking XXXX To : Citizens, One Deposit Savings XXXX dotted line For security reasons, your funds transfer request from XXXX XXXX XXXX, Checking account to Citizens, One Deposit Savings account has been stopped. 

As a policy, we need to review the transaction. In order to complete this review, it is necessary for us to speak with you. Please contact us at your earliest convenience at XXXX between the hours of XXXX XXXX  and XXXX XXXX EST. 

Sincerely, Customer Service I got busy at work and being on vacation and I was unable to contact Citizen 's until XX/XX/XXXX when I noticed the {$4000.00} was not refunded to my XXXX XXXX XXXX Account. The gentleman informed me that the transfer didn't go through to Citizen 's and I needed to contact XXXX XXXX XXXX to figure out where the money was. I contacted XXXX XXXX XXXX on XX/XX/XXXX and they informed me they needed a XXXX # from Citizen 's to locate the money. I contacted Citizen 's on XX/XX/XXXX and I spoke to a XXXX who is a XXXX at the XXXX branch and she informed me my bank to bank transfer service with Citizen 's was locked and {$4000.00} was on hold and she could not provide me a trace #. She instructed me she would check on this matter and contact me by phone on XX/XX/XXXX. She did not contact me on XX/XX/XXXX. I contacted Citizen 's again on XX/XX/XXXX and was told the {$4000.00} never came to Citizen 's and was with the transfer system ( XXXX, I think I was told name of the company ) and I was provided the following trace # XXXX. The gentleman at Citizen 's instructed me t contact XXXX XXXX XXXX and have XXXX XXXX XXXX request the money back with the trace #. I contacted XXXX XXXX XXXXXXXX  on XX/XX/XXXX and they instructed me that they were unable to locate the money with the trace # and the money was still with Citizen 's and needed to come from Citizen 's. The gentleman at XXXX XXXX XXXX instructed me to post a claim on your site. I am filing a complaint that Citizen 's is refusing to credit the {$4000.00} to my account with their bill pay product.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was accepted into a forbearance plan on XX/XX/2020 due to the COVID19 crisis. After 30 days I was able to pay in full for XXXX and was current. XXXX XXXX  XXXX a service provider for XXXX XXXX XXXX incorrectly posted that I was 36 days late for XXXX payment even though they stated on a signed document stating they would not report a late status while in forbearance. I had a XXXX credit score going into forbearance had never missing a payment in my life, and yet after an approved agreement stating they wouldn't submit derogatory information, they still destroyed my credit.
Product: Credit card or prepaid card

XX/XX/XXXX I got a advertisement from USAA credit card company to transfer high interest credit card balance to them with no interest if promotional transfer paid off in 18months. I foolishly transferred {$2300.00} to USAA. I find out that for the last 3 months I have been charged 18 % for transfer balance plus 18 % on current principle- That a combine rip off interest of 36 % ( is this not loan sharking ). I have made payments as high as {$1100.00}. {$700.00}. {$500.00} etc. The problem is that USAA applies very minimal to balance transfer ( as little as {$20.00} ) at times. This will cause the transfer balance fee to remain till entire balance is paid off. I am in process of paying this off as soon as possible. The sad part is that I would have never allowed my balance to get to this amount if I had known ( thought I was saving?? ). THE REAL SAD PART IS THAT USAA HIGHLY ADVERTISES THAT THEY ARE THERE TO ASSIST VETERANS AND MILITARY PESONNEL. SOUNDS LIKE THEY ARE HERE TO HELP US VETS OUT OF OUR FUNDS.
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 : XXXX ABILITY RECOVERY SERVICES , LLC : XXXX has violated my rights. 
XXXX 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 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 vears.

15 U.S.C. 1681s-2 ( A1 ) 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

On XX/XX/XXXX, I opened a Weekends Only credit card provided through Wells Fargo Financial National Bank to receive no interest if paid in full with payments. The promotion was set to expire on XX/XX/XXXX. On XX/XX/XXXX, I scheduled a payment to process on XX/XX/XXXX for {$680.00}. This was to pay off the balance and avoid the deferred interest. On XX/XX/XXXX, only {$40.00}, the minimum payment, was posted to my account. On XX/XX/XXXX, {$320.00} was charged to my account as deferred interest. On XX/XX/XXXX, I contacted Wells Fargo Financial National Bank regarding the incorrect payment being applied on XX/XX/XXXX that was different from what I had requested. Wells Fargo Financial National Bank informed me that the terms of the promotion were not met, so they could not do anything about it. I stated that I wanted to pay the balance immediately, as I had requested previously, and have the interest taken off my account. I was informed they would not remove the interest, even if the error was their fault. They provided no solution and repeatedly informed me that they would not do anything to correct the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my next 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. 
permission : XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  TX XXXX ) XXXX Balance : {$1300.00} EXPERIAN XXXX XXXX XX/XX/2021.