23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I signed a purchase contract on XX/XX/21 and started the mortgage process with United Wholesale Mortgage in XXXX, MI. The usual process of paperwork was started and was progressing towards closing. The initial date for closing was for XX/XX/21. I received my 3 Day Closing Disclosure on XX/XX/21 and was told to wire funds to attorneys office for {$19000.00} on XX/XX/21. The closing did not take place until XX/XX/21. On XX/XX/21 at XXXX XXXX  I was notified that I needed an additional {$6000.00} to close the loan the next morning!! I asked why and was told that the back ratio had changed to 46 %. At the given time, the FHA guidelines allowed me up to 52 % debt ratio without any problem getting the loan. I said that nothing had changed with my debt or income, how could that have happened. I was never really given an explanation. I was desperate to close the property. I received my final Closing disclosure at the closing table at the attorneys office at XXXX XXXX  on XX/XX/21. I feel that I wasn't give the proper notice before closing. The loan amount changed, along with amount to close, and the interest rate. I wasn't given a 3 Day Disclosure with all of these changes until at the closing table.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; Experian and XXXX should not be reporting that I am ( 120-180 ) days late on the XXXX partial account numbers XXXX ; XXXX ; 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 XXXX. These accounts should be coded as an XXXX. 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

XX/XX/ I needed to log into my existing membership account with Experian to lift a credit freeze which I placed on the account through their online website. 

I could not log into my online account with Experian. I could not recover my username or password through their online processes as their website indicated that my SSN and birthdate did not match. This left me with other option than to contact Experian via telephone. I called every customer service telephone number provided by Experian and in most every call their automated phone system would not connect me to a live person / agent and directed back to their website to reset my username and password. Somehow, after 30 minutes of multiple calls to their customer service dept., I was connected to a live person/agent ( I have no recollection of how I got to this person ). I was told by this agent that my membership was no longer active and as such my online account had been disabled ( I had never been notified of this previously ). I was not told why my membership was disabled. To reactivate the membership I was then required to go through a series of unfair security questions, which apparency required that my responses were 100 % accurate in order for my membership to be reactivated over the phone. I was asked 6-7 extremely difficult questions by this agent who spoke very poor English and was hard to understand. Despite what I thought were correct responses to all of the questions, I was denied access to reestablishing my membership. I was then told that I in order to reestablish my membership I needed to send copies of my Social Security card, driver 's license, and a recent utility bill with proof of my home address to a physical location for Experian in Texas by US mail ( How insecure is that! My SS card, driver 's license, etc. being sent in an envelope by US Mail to Experian ... what a joke and a completely dangerous manner of keeping my personal information secure ). I was not told what would happen next other than upon receipt of this information I would be sent an email or receive a telephone call regarding my membership. 

I'm XXXX XXXX old and I have never experienced more frustrating and poor customer service by a company that should be here to serve its customers. Experian has exceptional control over our personal information and credit reporting, yet they make it next to impossible to get access to our personal information via their online website or in speaking with an employee in their customer service department. 

This is unacceptable and needs to be changed. Experian is holding consumer information hostage from the very people who own the data and need it to fulfill their personal and financial obligations.
Product: Credit reporting or other personal consumer reports

My personal information has been compromised. Upon reviewing my consumers report a few months ago, I noticed a few accounts that actually don't belong to me at all. I do not know these companies reporting and I actually was incarcerated during a certain period of time. I will also attach my proof of incarceration as well. 

Here are the accounts : XXXX XXXX XXXX OPENED XX/XX/XXXX, BALANCE OF {$540.00} XXXX XXXX OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ( I WAS INCARCERATED DURING THIS TIME XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX
Product: Debt collection

XXXX provided the worst Cable TV, Internet and Telephone Services we had ever had. We called repeatedly to find out why we could not cancel services on line. To learn we could not. So we called and called to cancel via telephone. The answer XXXX gave was they were experiencing high call volume at the time and he would have to call me back to cancel the services and pick up the equipment. XXXX never called back. 

Again, I repeatedly called after getting the new service provider, to have the equipment picked up, it literally took more than a month. I explained I would not pay any charges that would be billed as a result of them not cancelling the services when I initially called to cancel and have their equipment picked up. 

Now receiving bills from collection agency ( Stellar Recovery , Inc. ) for {$95.00}. Which I have no idea as XXXX has not billed me for any charges.
Product: Credit reporting or other personal consumer reports

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  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX I looked at my EQUIFAX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. 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 generally, 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.
Product: Credit card or prepaid card

I purchased online tickets on XX/XX/2019 from XXXX while I was in USA. The amount of {$5200.00} was billed to my credit card ( ticket prices which is correct ). I recieved a statement today XX/XX/2019 showing that bank of America charged me {$150.00} for a foreign transaction fee. The purchase I did for the tickets was done online with a company charged me with US dollar currency and which suppose to do business from USA. 
Bank od America claims that this is an international transaction and has to charge me 3 % on the amount paid. I dont understand how I can purchase sonething from USA and get charged for an inernational fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I contacted TransUnion on several occasions regarding inquiries being deleted and re-inserted on my credit report. My first contact was through their online dispute system in XX/XX/XXXX. I was advised that inquiries were factual. In early XX/XX/XXXX I noticed more inquires on my credit report. So, I then mailed in a letter to Transunion advising that these inquiries were removed and re inserted without my knowledge. I again received a letter stating that inquiries are factual. I proceeded to write another letter in XX/XX/XXXX and XX/XX/XXXX. You guessed it, I got the same computerized response inquiries are factual.
I now know that Transunion has experienced 2 separate glitches that resulted in information being reinserted on credit reports. Transunion never told me that there was a glitch and that items that were deleted would be added back. I am aware of my legal rights. Transunion failed to notify me within 5 days PRIOR to adding these inquiries back to my report.
I demand that TransUnion remove all of the below inquiries for this reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

Carrington Mortgage LLC is my mortgage company. My monthly payment was set up from my XXXX Checking account in the amount of {$2900.00} on the first of every month. 

Carrington conducted an escrow analysis in XX/XX/2023. XXXX XXXX XXXX had adjusted the property tax rate which changed my mortgage, and Carrington determined I owed an additional {$37.00} a month, changing my mortgage to {$2900.00}. 

I wasn't effectively made aware of the change. The {$2900.00} autopay was deducted from my acct in XX/XX/2023 and not returned. So the {$2900.00} was in the possession of Carrington Mortgage, minus the {$37.00} to make my account current. And there was nothing to alert me that I owed them the difference. 

This same scenario happened in the month of XXXX while I was on travel. I reviewed my mortgage statement online and saw that I owed them the difference of {$37.00}, and paid them from my XXXX checking acct to make the acct current, and then adjusted my XXXX XXXX XXXX to reflect the {$2900.00} as the new payment going into XX/XX/2023. 

They failed to give me credit for that adjustment in XX/XX/2023, and held my account in suspense and then forwarded a written letter to me that I didn't recieve until XX/XX/XXXX when I returned home from travel. 

My comprehensive review of my mortgage payment history never reflected a late payment, and there are accounting errors that don't add up between the .pdf statements and the .pdf summary. 

in XX/XX/2023, without any warning or attempt to recover the {$78.00} I owed to make the acct current, they reported my to the credit bureau. My XXXX credit score was reduced to a mid XXXX score effecting my life, my businesses, and my ability to take care of my family. 

Further confusing the situation. My amended XX/XX/2023 payment shows me owing Carrington {$180.00}, which isn't accurate. I will {$2900.00} on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In acordance with the fair credit Reporting act my rights have been violated. 

15USC 1681 Section 602 States I have the right to privacy.

15USC 1681 Section 604 A Section 2 : It also states a consumer reporting agecy can not furnish a account without my written instructions.

15USC 1666B : A creditor may not treat a payment on a credit card acct under an open end consumer credit plan as late for purpose.
Product: Credit reporting or other personal consumer reports

I didnt get my credit fixed and the {$1200.00} payments over time. {$90.00} dollars every week that added up to {$1200.00} dollars. Nobody never contacted me or fixed my credit score. Its been over 15 years and I havent send no improvement. My information was leak. I had an apartment in my name credit cards address & all I needed up with is lost money bad credit. 
XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 requeseting to update and correction of these suspicious accounts I found on my Credit Report. Upon reviewing a copy of my updated credit Report, the previously disputed accounts are still reporting erroneous information on my Credit File. I think that the Credit Bureaus have not validated these accounts in accordance with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaints, and I'm including them again. XXXX XXXX XXXX  XXXX XXXX XXXX Balance {$400.00} ; XXXX  XXXX XXXX XXXX Balance {$600.00} ; XXXX  XXXX XXXX XXXX Balance {$7200.00} ; XXXX XXXX XXXX XXXX Balance {$1000.00} ; XXXX  XXXX XXXX XXXX Balance {$3600.00} ; XXXX XXXX XXXX XXXX Balance {$6400.00} ; XXXX XXXX XXXX XXXX Balance {$4600.00} ; XXXX  XXXX XXXX XXXX Balance {$3000.00} ; XXXX  XXXX XXXX XXXX Balance {$6100.00} ; XXXX XXXX XXXX XXXX Balance {$5700.00} ; XXXX XXXX XXXX XXXX Balance {$2900.00} ; XXXX  XXXX XXXX XXXX Balance {$2800.00} ; XXXX  XXXX XXXX XXXX Balance {$4200.00} ; XXXX  XXXX XXXX XXXX Balance {$2800.00} ; XXXX  XXXX XXXX XXXX Balance {$2300.00} ; XXXX  XXXX XXXX XXXX Balance {$1100.00} ; XXXX XXXX XXXX XXXX Balance {$2800.00} ; XXXX XXXX XXXX XXXX Balance {$250.00} ; XXXX  XXXX XXXX XXXX Balance {$5800.00} ; XXXX XXXX XXXX XXXX Balance {$3200.00} ; XXXX XXXX XXXX XXXX Balance {$4100.00} ; XXXX XXXX XXXX XXXXXXXX XXXX Balance {$1300.00} ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance {$7500.00} ; XXXX XXXX XXXX  XXXX XXXX XXXX Balance {$0.00}
Product: Checking or savings account

I made a fraudulent use of my debit card claim for {$190.00} with Bank of America on XX/XX/2018. Their claim # XXXX. I dont know how the criminal did it but he/she did not have my card. Most of the fraudulent charges were made in Michigan. The fraudulent charges are highlighted in green. I was in XXXX XXXX, Ohio from XX/XX/XXXX to XX/XX/2018 attending a XXXX XXXX college. I stayed there in a hotel for 2 weeks as the receipt shows. Receipt attached from my XXXX XXXX credit card that shows a 2 week stay at XXXX XXXX XXXX  XXXX, XXXX XXXX. You can also see from my Bank of America charges that I was in XXXX XXXX during the time of the fraudulent charges. Bank of America denied my claim.
Product: Credit reporting or other personal consumer reports

I have been the victim of identity theft, which has resulted in unauthorized and inaccurate information appearing on my credit report with XXXX, Equifax, and XXXX. Specifically, my personal identification information, including my Social Security number and other personal details, have been used without my consent. These unauthorized accounts and inquiries have severely impacted my creditworthiness and were reported by these agencies without proper verification or my authorization. Despite my requests for the removal of this information, XXXX, Equifax, and XXXX continue to maintain inaccurate information. I do not want a fraud alert placed on my account, but I am seeking the immediate deletion of the fraudulent accounts and inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : 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

My Lawyer, XXXX XXXX filed a Chapter XXXX that was to include a reaffirmation for the property I currently in and have been making payments for the last XXXXwo years and not having the benefit of those payments being reflected my credit report. 

The XXXX XXXX not provided any reason or documentation as to why they have taken such action. I have called them numerous times and told that they are reporting. I have sent documentation to all three credit agencies and the reports are incomplete or never change despite the proof of my clearly being responsible to my obligations. 

The XXXX XXXX is a bad and unsavory actor.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX Account Name XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Regions Bank has repeatedly placed a multi-day Hold on my VISA Business Credit Card 's amount of Credit AFTER payment of the Statement Balance has transferred to Regions Bank. Most recently a 7-Day Hold was placed on the VISA card 's Credit between payment on XX/XX/XXXX XXXX through XX/XX/XXXX. I presented proofs of transfer as of XX/XX/XXXX from the XXXX XXXX of full Statement Balance payment of {$4900.00} to the Regions Bank local Branch and to Regions Bank online customer service. Regions Bank employees were sympathetic, but their superiors in the upper offices of Regions Bank would not lift the Hold. The Hold lasted till XX/XX/XXXX. It caused many problems for my wife 's and my XXXX XXXX XXXX XXXX XXXX 

Regions Bank had placed a similiar, irrational Hold on funds the previous XXXX. 

I think this Bank 's practice of such Holds might be akin to Regions Bank 's misrepresentaton of customers ' account-balances and hence R B 's collection of Overdraft Fees. Compliments to the CFPB for twice catching Regions and compelling the XXXX {$56.00} million and XXXX {$190.00} millions penalties. Please call if any more information is wanted. 

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

I found out XXXX that multiple accounts which belong to me from my creditor XXXX were not showing on my Experian or XXXX report. I reached out multiple times submitted all requested documents to both companies but they fail to put it back on my report. This has caused me to be declined by creditors due to missing information. I Spoke to XXXX who showed proof they were reporting accurately but XXXX and Experian refuses to update my file as of XXXX.
Product: Credit card or prepaid card

I used Citi Visa ( branded COSTCO ) to make a deposit on a XXXX XXXX ( # XXXX sailing XX/XX/XXXX voyage XXXX ). I made this deposit using Citi Visa credit card on XX/XX/XXXX. 
Cruise was cancelled XX/XX/XXXX due to the current Corona crisis. XXXX stated they would refund. Eventually. 
Citi has now stated that my charged deposit was too old and they were out of the time period for Federal Protections for consumers. I should handle it myself. Nice attitude by Citi. 
I have again contacted the XXXX line but get a recording only. Overwhelmed etc per recording. 
Citi has the charge card commission money and XXXX has my money. 
I am the only one holding the bag.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on credit card account under an open end consumer credit plan as late for any purpose.
Product: Checking or savings account

Hello, I had a checking account with citibank that was according to them closed a while back. A reason was never given to me. Unfortunately, i had used this account for my tax refund to get deposited for my XXXX taxes. Currently, state of CA gave some MCTR refunds and used our bank accounts from our XXXX taxes. There were XXXX deposits sent to this citi bank account XXXX in XX/XX/XXXX for {$700.00} and XXXX in XX/XX/XXXX for {$350.00}. Till this day Citibank never advised me of these deposits until I traced them. Ive called citi bank a few times this week and have been getting the run around. Last rep i spoke to was XX/XX/XXXX and he had me wait on phone for like an hour and he asked me about the XXXX deposits which i told him the dates and amounts and he comes back to tell me that he doesnt see the XXXX deposits that i mentioned above which I thought he was joking because that was a straight out lie as i had called the self service line and confirmed the XXXX deposits. He told me to please call back another time and hung up. I really need the money to pay my bills and citibank has already withheld my money for 2-3 months. All i want is for them to send me a check with my funds and close the account permanently please. Thanks