23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I used TransferWise to make a bank transfer in the amount of {$3000.00} from my XXXX XXXX Account to my bank in XXXX, XXXX on XXXX XXXX. They sent me an email saying the money was sent on XXXX XXXX to my XXXX account. They took the money as an ACH, which means my own bank in the USA can not get involved in this transaction. The money was supposed to be in my bank account in XXXX around XXXX XXXX or a few days after, as of today ( XXXX XXXX ) I have not received the money. My bank in XXXX has made numerous checks over the last few weeks and say no money has been received and there is no indication that money is on it's way. I have called TransferWise numerous times, sent countless emails to no avail. They keep telling me they are investigating the situation, but have not provided me with any information. I have evidence of all the calls I made to them and all the emails I received and sent.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX IS STILL REPORTING INACCURATELY, UNPROVEN, UNVERIFIED AND UNTRUE LATE PAYMENTS ON MY CREDIT REPORT FOR THIS ACCOUNT : XXXX XXXX XXXX ACCT # : XXXX EQUIFAX IS INCORRECTLY REPORTING 3 LATE PAYMENTS FOR THIS ACCOUNT. XXXX IS INCORRECTLY REPORTING 2 LATE PAYMENTS FOR THIS ACCOUNT AND XXXX IS INCORRECTLY REPORTING 1 LATE PAYMENT FOR THE ABOVE-MENTIONED XXXX ACCOUNT. 
CLEARLY A REPORTING VIOLATION AS NOTHING MATCHES. 
WHAT IS EVEN MORE CONFUSING IS THAT EQUIFAX IS ALSO REPORTING THAT THE ACCOUNT STATUS IS " PAYS AS AGREED '' AND THE ACTIVITY DESIGNATOR IS REPORTING AS " PAID AND CLOSED ''. 
ANOTHER VIOLATION FROM EQUIFAX IS THAT THE DATE OF LAST ACTIVITY IS BEING REPORTED AS XX/XX/2022, BUT CONFUSINGLY EQUIFAX IS FALSELY REPORTING A PAYMENT HISTORY CHANGE ON XX/XX/2022. HOW IS THAT POSSIBLE? WHY IS EQUIFAX REPORTING A PAYMENT HISTORY PERCENTAGE DROP 6 MONTHS AFTER THE ACCOUNT WAS CLOSED AND 6 MONTHS AFTER THE REPORTED DATE OF LAST ACTIVITY?? EQUIFAX ALSO REPORTS " NO DATE '' OF FIRST DELINQUENCY ( SEE PROOF ATTACHED ) WHY IS EQUIFAX REPORTING ANYTHING NEGATIVE AND MISLEADING ON A " PAID AS AGREED '' CLOSED ACCOUNT? 

EQUIFAX IS VIOLATING MY CONSUMER RIGHTS BY INACCURATELY REPORTING ALL THIS WRONG AND MISMATCHING INFORMATION. 
THIS NEEDS TO STOP IMMEDIATELY!!
Product: Mortgage

My husband and I took a payment deferral from our Wells Fargo mortgage for 6 months under the CARES ACT which ended this XXXX and payments to be resumed in XXXX. We applied for a refinance in XXXX with a different company and was told we needed to have the loan modified and be out of forbearance before proceeding. I called to request this from Wells Fargo on XX/XX/2020 but was told we needed to make 3 payments before loan modification could be requested but that we could pay them all 3 in  full and it could be done sooner and she would send papers which we never got. I then decided to call on XX/XX/2020 to speak with a supervisor who told me that we needed to make the 3 payments on time and they can not be all at once and then we can request a loan modification in XXXX. She said these were the VA requirements not theirs. I then called XX/XX/2020 and asked if we could resume payments early, in XXXX to have the 3 months starting earlier as I was now able to resume payments but was told that the payment would go to XXXX. I then filed a case with Executive Offices and requested these VA requirements be written and sent via e-mail as I have been told by someone with great experience with mortgages and with Wells Fargo practices, that these requirements should be given to me in writing and that they believe Wells Fargo is giving me false information. I would like Wells Fargo practices to be investigated in this matter.
Product: Credit card

I was at Kay Jewelers in XXXX XXXX, FL and the salesman asked me if I was a rewards member. I replied no, but was interested because I wanted to get my girlfriend a pricey set of jewelry. The man said that with the rewards card I can also finance some of their products too. I believed that was great but I did n't want to take out any credit cards, so i asked the man if it was a credit card, or if it will affect my credit. The man assured me that it was not a credit card, and that it is only for financing in store, so it wont affect my credit. I was like OK great, let me sign up. I later in the month check my credit through an online credit checking service, and my credit score had gone down about XXXX points due to a new line of credit and a hard inquiry in my credit.I did not solicit a new line of credit and i was not told it was going to affect my credit, the salesman said rewards card that also allows for financing. I specifically did not want to touch my credit because I plan to buy a car and I wanted my credit to be good not XXXX points lower.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried calling, but everybody 's a robot that keeps redundantly asking the same questions and getting me to no agent, then hangs up in my face. 

There's a delay and I certainly do not need this. 
Today opening my email, I discovered some weird message, ( although Experian offers to see your credit score for free ) that I do not have a credit score or a score that is missing some points in the up direction.

I have screenshot my score on prior occasions, have 3 accounts, one paid off, that I paid off, a huge big payoff that I paid that one, that auto account closed now as satisfactory and my Mortgage in which I still pay as well as a credit card. I have enough credit to establish a score and a good one at that and my Lenders report to Experian.

If the credit score is offered for free on Experian, then I should see it from this point on as I have in the past. This certainly would not help trying to establish any future credit since Experian Vantage is what most lenders look at and also I am certainly not sure why Experian is doing this, need answers and the restoration and resolution. 

There may be typos, excuse and also I have written this email to the best of my knowledge.
Product: Credit card or prepaid card

On XX/XX/2020 I applied for the Barclays XXXX XXXX Red Aviator Mastercard. The initial credit limit applied to the card was {$2000.00} which was determined by their computer system. 

After learning of the low limit, I contacted the company and expressed my dissatisfaction. I was told that the amount issued was a preliminary assignment of credit and did not reflect the actual final credit limit that could be applied. I was told to call back when I received the physical card in hand and work with them to raise the limit. 

Upon receiving the card, I contacted Barclays on XX/XX/2020 and they indicated that they would need to pull another hard credit report to raise the limit despite having just pulled the full credit report on XX/XX/2020. I asked to speak with someone at a higher level. I was transferred to the credit department and I was forced to have another credit report pulled. 

I was told by the representative in the credit department that it was Barclays policy to pull another credit report despite the fact that one had just been pulled within the same or next week. I asked them to point to the policy in the " Important Information About your Credit Card Account '' document which outlines all of their policies and procedures as a card holder with all of the fine print. Barclays was unable to provide any such location or where that was located.

The representative indicated after review of my credit report he was unable to determine why the Barclays system only provided a {$2000.00} limit. Furthermore, he said that my credit report was of high value and quality and had no issues raising it to my requested dollar amount. He further stated that they use XXXX  as their reporting agency and the first pull from credit bureau showed a credit score of XXXX and with the second pull to raise the limit, XXXX. 

By requiring me to have a second report pulled within such a short amount of time, it can and has left a marked effect on my credit score.
Product: Credit reporting

XXXX offered me a pay and delete offer in 2013, in which I accepted and paid {$93.00} in XXXX 2013. XXXX cashed the check on XXXX/XXXX/2013 and as agreed in the settlement offer, they should have updated my account information with all three credit agencies. Therefore, it was illegal and unlawful for XXXX to sale the debt. I do NOT owe XXXX the full amount of the debt because this debt was paid and settled with the original debtor.
Product: Debt collection

On XXXX XXXX, 2016 I was notified through credit monitoring that I had a collection in the amount of XXXX on my credit profile from Fox Collection. Prior to seeing this on my report I had no idea of who this company was and why were they on my report. After I looked the company up and contacted them they advised me that I owed them XXXX from a past due medical bill that I was not aware of. After a lengthy conversation I was told that they had the right to put it on my report even with me not being aware of the bill. She said that they mailed a bill to me in XXXX and I probably did not read it because it was not labeled from an collection agency. I am trying to find out is it fair practice to make only XXXX attempt to communicate with a customer and then place it on their credit profile. I have no problem paying the bill if they are willing to take it off of my credit profile because truly they made no attempts to contact me to make me aware of the bill.
Product: Checking or savings account

When will my bank offer latest card technology they still dont have the tap pay feature on the debit card its amazing how on the credit cards it has it but not my debit card I cant tap to pay only chip!
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian and XXXX Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX XXXX in the amount of {$310.00} don't belong to me please remove from my credit report XXXX XXXX XXXX in the amount of {$430.00} don't belong to me please remove from my credit report XXXX XXXX XXXX  in the amount of {$510.00} don't belong to me please remove from my credit report
Product: Debt collection

This debt is not known ; I have never owed a balance to this company. My account is still active with this company, never past due which is strange since an account with them is reporting negatively on my credit file. 
I request full statement of this account and any information pertining to the contract ; when opened and where.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act ( XXXX 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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

A debt collection company by the name of XXXX XXXX XXXX has furnished a debt upon my credit report. When reporting the debt false for ownership because I had no idea of this debt and I do not owe this money being that there is no signed signature of my name on any biding contract with the original or collection agency with the furnish amount of XXXX. Upon investigation with the three credit bureaus they came back validated with no proof. Upon further inspection and requesting of validating proof, XXXX was the only credit bureau to remove the falsely reported information from my credit report. 

The same is for a XXXX account, it shows on my XXXX and experian report but not on my XXXX. Please, Id like these items deleted from my credit report, both bureaus immediately as they do not reflect my report honestly as a consumer and I was not provided with verified proof of this investigation of it being mine within 30 days from the credit bureaus, XXXX and experian when requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been 7 years since and I was told it would be removed and deleted.
Product: Mortgage

I am writing to the Consumer Financial Protection Bureau as a final effort to resolve an issue I am currently having with Rushmore Loan Management Services located in XXXX California. Over a year ago I had applied for a loan modification due to a financial hardship. At this time I retained an attorney who represented me. We could not agree to a modification on both sides. With the direction of my attorney I filed a preliminary bankruptcy so I would not lose the house. Rushmore then presented a modification and I amicably agreed to their terms and the petition for bankruptcy was promptly withdrawn by my attorney. Rushmore asked for a good faith down payment which I complied followed by monthly mortgage payments wired directly to them by my bank for 6 consecutive months. These were the terms to satisfy this agreement. In spite of complying and sending timely payments a few days to a week prior to the due date and Rushmore issued auction dates and continued to record as foreclosure. I also wrote to the XXXX  in an effort to remove the foreclosure by Rushmore. It was only after I contacted the XXXX  that Rushmores attorney responded with a letter of apology and stating errors were made by them. I finally received the congratulations on your modification letter several months after the terms were completed dated months before. I am now still receiving multiple mail correspondence from attorneys stating that it is still recorded as a foreclosure by Rushmore. Bankruptcy was never completed at any time. I continue to be in good standing and this foreclosure issue has to be cleared. If something can be done by your agency it would be greatly appreciated.
Product: Credit reporting or other personal consumer reports

I am writing to formally resubmit my complaint to EQUIFAX regarding the inaccuracies present on my credit report, and to express my dissatisfaction with the lack of action taken to remove these inaccuracies. The data reported on my credit file is neither verifiable nor substantiated by proper documentation. I believe that these items are not compliant with the Fair Credit Reporting Act ( FCRA ) or the Fair and Accurate Credit Transactions Act ( FACTA ), and I request that they be investigated and removed promptly. My name is XXXX XXXX XXXX XXXX, and my address is XXXX XXXXXXXX XXXX XXXX XXXX, MI XXXX. My date of birth is XX/XX/year>. The associated FTC complaint report number for this issue is XXXX. I have identified potentially inaccurate and unverified inquiries and accounts on my credit file that lack my authorization. These items appear to violate provisions of the FCRA, specifically Section 609 ( 15 U.S.C. 1681g ), which requires that credit reporting agencies provide accurate and verifiable information. Additionally, these items may be in violation of FACTA, Title 1, Section 151, which mandates the proper authorization and verification of all information reported. As a consumer, I am asserting my rights under both federal and state consumer protection laws to ensure that inaccurate or unverified information is promptly removed from my credit report. This letter serves as a formal dispute of the information reported and a request for an immediate compliance check in accordance with the FCRA and FACTA. Thank you for your prompt attention to this matter. I expect a response within the timeframe required by law and anticipate that the inaccuracies will be addressed accordingly.
Product: Mortgage

In XXXX due to an old IRS debt my accounts were frozen and I fell behind on my mortgage.In the end of XXXX I cashed out some of my retirement benefits to reinstate my mortgage. I ordered reinstatements beginning in XX/XX/XXXX. In XXXX my servicer transferred and I requested reinstatements that were not sent to me. The reinstatement requests were made XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. When the reinstatement finally arrived I had enough to pay the arrears but not the escrow. I asked the bank 's attorney if I could pay the missed payments and enter into a payment plan with the escrow. I was instructed to contact Shellpoint directly. Upon contacting Shellpoint I was advised that I would have to apply for a loan modification. I expressed worry at this since I had been denied for a loan modification with XXXX. The reason for denial was my debt to income was 12 %, I was an immediate default and my hardship had not been resolved. I can afford my mortgage, and my accounts had been restored since the IRS freeze so I did not feel as though I was accurately denied. I was hesitant to apply again because I felt as though there is reason to believe that I would again not get a fair review. I asked if I could negotiate the fees in the reinstatement and make a full payment or if I could make a large down payment and the rest could be capitilized. Shellpoint refused to work with me. Then the CARES act passed and I attempted to go onto a forbearance where I would be able to make a partial payment and send {$25000.00} and then apply for the modification. Again, Shellpoint refused to help me.
Product: Mortgage

My loan was transferred to a new company- I was never informed until a month after it happened ; because I live in the XXXX XXXX they will not allow me to pay my mortgage online like I used to in the past, even though I am paying with a XXXX bank account. This means I will have to pay via telephone at a cost of XXXX $ each time or risk huge late fees if I mail it since it will take a couple weeks to arrive. Also, they are forcing me to purchase wind coverage, which my policy does not cover, and my condo association has never heard of this before. Not one unit in my complex has this coverage, nor are they required to have it. This company is rude, unable to communicate via email and antiquated ; I would like my loan to be transferred back to XXXX XXXX XXXX asap before I am charged more in late fees that I 'm not responsible for. Plus I can not access any of my loan information online.
Product: Credit reporting

XXXX XXXX shows on my Transunion credit report under " Account Review Inquiries '' with permissible purpose noted as " collection ''. I do n't have any collection issues and I have not heard of this company. So, I called them to ask why they were on my credit report. They could not give me an answer.
Product: Credit reporting or other personal consumer reports

To accordance with the fair credit credit reporting act XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602A. States I have the right to privacy 15 U.S.C 1681 section 602A. Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

Credit management has placed 3 medical debts on my credit report, these are not mine.., my mailbox was broken into and my identity was stolen account number XXXX account number XXXX account number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

overviewing my credit report ive noticed Alot of Information on my credit report that needs to be cleared. all incorrect information is hindering my credit report. I am disputing the accuracy of my file to correct my credit report 100 % with Experian.
Product: Mortgage

Hi, the servicing for my loan was transferred and during the process the old company lost my payment and reported my loan as delinquent. This dropped my credit score by XXXX points. 

From my credit report : Account Name Account Number Balance Monthly Payment XXXX XXXX {$0.00} Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Joint Account Account Type Mortgage Account Loan Type XXXX XXXX XXXX XXXX Date Updated XX/XX/XXXX Payment Received {$0.00} Last Payment Made XX/XX/XXXX Pay Status >Transferred ; was 30 days past due date<
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below are still being reported in my report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

My mortgage was recently transferred from XXXX XXXX to PNC Bank. My property is in a flood zone and requires flood insurance as outlined in my mortgage agreement. PNC Bank failed to send the renewal fee for my insurance, causing the cancellation of the policy. The fee was due XX/XX/XXXX and the check from PNC Bank was received by the insurance agency on XX/XX/XXXX. PNC Bank never reached out to me to alert me of the insurance cancellation or let me know I was no longer covered, instead they put their own policy in place without my consent, which is double the cost of my previous policy and sent me a letter with this information on XX/XX/XXXX. They also increased my XXXX escrow payments to cover this increased flood insurance cost that I never approved. 

My insurance agency reached out to me to let me know what had happened and created a new policy for me that started XX/XX/XXXX. I called PNC Bank to let them know that XXXX. They defaulted on the agreed terms of my mortgage agreement XXXX. They attempted to defraud me by intentionally allowing my preferred policy to lapse and then requiring me to adopt their in house policy that was double the cost and XXXX. Never contacting me to admit their failure or obtain my consent to change the agreement. The bank refuses to take any responsibility and also refuses to remove the charges I incurred between the first policy being cancelled and the policy being reinstated ( XX/XX/XXXX to XX/XX/XXXX ), even though they never contact me by phone or mail to address the problem they caused.