23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I originally was pre-approved with Better Mortgage for a mortgage up to {$540000.00}. That fell to {$330000.00} after a hard credit check. I thought that was settled since they continued with the process as if they had approved the loan. I proceeded with the process to purchase the home as if the loan was secured. ( See attached paperwork ). 
At the very last moment, Better reversed course and declined the loan. 
They gave no reason at the time, but an email I received 3 weeks later states that one of those reasons was due to too many hard credit checks. 
They are one of the companies that performed several of those hard credit pulls. My credit score fell 100 points from XXXX ( good ) to XXXX ( poor ) overnight for no foreseeable reason after they reversed their decision. I didn't open any new line of credit and I wasn't late on any payments. I know that I make more money and have ( or had ) a better credit score than many they extend larger mortgage loans to. 
I believe that Better may be engaging in discriminatory practices based on a protected class covered under federal law.
Product: Checking or savings account

Hi I have a business account with wise. Wise have closed my account without any notice. I already made an appeal to wise support for reactivation of my account and i will happily provide anything they need to reactivate my account. But they said we made our decision and we cant reactivate your account
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX ,    2016   Opened Date   XXXX  {$320.00}. I contacted the creditor and was told that this contract was cancelled.      XXXX   XXXX   2016 ,  Opened Date.   XXXX   XXXX  {$610.00}. I was told that i was no longer liable for this credit line.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted disputes with XXXX  and Equifax to have the account removed early via early exclusion. The creditor then updated the account status to only show that it was charged off and subsequently removed all late payments and on time payments. An account CAN NOT BE charged off if there were never any late payments. I have screenshots of previous reports. I have reached out to Equifax, XXXX, and XXXX ( XXXX  XXXX ). XXXX XXXX has said they are unsure why the payment history changed and are opening an internal investigation. This account is going to be falling off in XXXX and XXXX based on what dates each credit reporting agency has. I would ask that XXXX  XXXX or XXXX  please allow early exclusion of this as Im in the middle of a getting mortgage and the careless and frankly shockingly alarming error that XXXX ( XXXX  XXXX ) has made here has tanked my score by XXXX points for my regular FICO score and almost XXXX points for my mortgage score. If they didnt want to approve it being removed early via early exclusion then they should have simply said that and not tried to fix something that wasnt broken in the first place. This is going to mess up my entire mortgage application and Id like this fixed by either putting the payment history back to what it was or by removing this account from my report all together. Im not sure if at this point putting the payment history back to what it was would even remedy the amount this has tanked my score.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report contains information to be excluded from my report based on the FCRA. 
15 USC 1681a ( 2 ) ( A ) ( i ) EXCLUSION : except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; CONSUMER : means an individual.

PERSON : means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity.

Transaction : Credit Limit Experience : Reporting of Monthly Payments, Utilization and Remarks.

( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; Credit Card : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 

XXXX, XXXX, AND EXPERIAN my Social Security Card was used to grant extension of credit or money and according to the law my consumer report should contain any account, transactions or experiences where this card was used.

15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Product: Credit card or prepaid card

Description of the charge sent to the credit card bank : I book a guide tour on XX/XX/2020 for my trip that will be on XX/XX/2020. Why I book a guide tour 6 months before my trip? Because XXXX XXXX offered me one Early Booking price with free cancelation 100 % refundable if I canceled 30 days before my trip. Thats what the publicity said in  XXXX and also when they send to me an Online secure payment link to make a payment It was clear in their link that was 100 % refundable if I cancel 30 days before the scheduled trip. This supposed to be my # 4th trip to XXXX so I would never book something that early in time if I wasnt sure they have a refundable policy free of charge. What I didnt know is that this people were experts in scam thats why when I printed my confirmation papers nowhere was on writing the cancelation policy but in the link for payment it was a big announce that make me comfortable to make a payment with their 100 % cancelation. As you can see in my confirmation papers nowhere appear anything about cancelation policy and now I know why they did not include the policy because now I do not have anything printed and they just changed their link. I think many people like me with the pandemic canceled their trip not because they  wanted but because the pandemic and now they just change their policy in their website saying it is not refundable but in XXXX it was. I did not take a picture or something else as a proof because I never thought they will do this scam. I should be granted the refund because my purchase was refundable at that time I booked, otherwise I would never paid for a guide tour 6 months before if I can get a guide tour one or two days in advance or even the same day. they could change their policy now so they can steal from their customers or have made two policies one for new customers and one to show to banks or people  who is requesting the refund. I booked with them because I was assured that if anything changes in my plans it would be easy to cancel Thats why I decided to book this guide tour. 
As a proof of what I am saying is truth I am sending copy of the emails I exchange with the agency when I contacted them to request the refund. To be easy for you to understand the sequence I Put a number 1 thought 10 so you can see the sequence of our email communication. As you can see on email # 5 on XX/XX/XXXX I am taking about the cancellation policy before I knew it was a cancelation 100 % refundable in my favor when I booked with them on XXXX. When they answer my emails they never told me it was not refundable because they knew it was not true. Evre tour company only gave the non-refundable excuse to the credit card company to have a justification for robbing me but what they said is not true and my bank should try to protect its customers from these unscrupulous XXXX scam companies. 
Thank you
Product: Mortgage

Flagstar payment processing rules are designed to extract the most amount of fees from customers. Every few months they would change the payment amount on a fixed rate mortgage, even when the payment is sent on time, the bank would not process the payment intentionally so they can charge you a late fee on the full amount while holding onto the money. This is a ridicules practice that is borderline fraud and should be illegal..
Product: Debt collection

Last year, I was continuously getting texts saying I owe a debt that is not in my name but is associated with my phone number. The original company that contacted me was Jefferson Capital Systems , LLC. I confirmed with them that it was not my debt based on name and DOB. They took me off their list and stopped contacting me. 

Over the last month, I've received numerous texts from XXXX XXXX regarding this debt from Jefferson. I would like to stop being harassed for this debt that I do not owe.
Product: Checking or savings account

I opened a checking account online on Huntington Banks website on XX/XX/XXXX and was approved immediately! I deposited two checks into my new account both totaling {$1900.00} all of which Huntington bank put a hold on for almost XXXX days. I received emails within that time frame stating that my money was available for withdrawl on the XXXX yet when I went to go login to my new account I wasn't able to do so. So I contacted customer service and spoke to a man who was so rude and incompetent and actually hung up on me. This wasn't the last time I was hung up on by these customer service reps, there were about XXXX more times as well! Talk about the most unprofessional behavior coming from a banks customer service. I have continued to call into customer service demanding to speak with a supervisor each time I called and I'm not kidding it was like pulling teeth trying to get these people to transfer me to someone higher then them. Eventually I was told that Huntington was closing my account due to me being a " risk ''? lol I hadn't even had a chance to use my account let alone even access my money and this company wants to say I'm a " risk ''?!? I didn't even care I just wanted my money and the closest bank to me is almost XXXX  hours away. I begged these people to let me come withdraw my money as my bills were due and it was all the money I had, they didn't have an issue approving me when I opened the account and didn't have an issue taking my mobile deposits yet I was still told absolutely not, that the bank had until XX/XX/XXXX to close my account and mail me a paper check for the funds I had in there at the time of closing. So literally almost a month has gone by at this point and where is my money? Well when I call customer service, I'm able to put in my PIN code and able to hear the recent transactions. XXXX deposits were made on XX/XX/XXXX totaling {$1900.00} then on XX/XX/XXXX a withdrawl of the {$1900.00} was done, I have no clue where or who made this withdrawal because it surely wasn't me and where did my XXXX money go? There was also an account closing transaction in the amount of {$0.00} done on XX/XX/XXXX as well. I asked to speak with yet another supervisor and this time was told that my money was moved to Huntington banks own account so they could write me a check but that they hadn't wrote me a check yet and they had until the XXXX to do so and then another XXXX days after that for me to finally receive it in the mail. I just want my money like this is ridiculous it's been weeks and I have yet to receive anything and ITS MY XXXX MONEY!!!
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my credit report, which was reported by Experian. On XX/XX/XXXX, I contacted Experian regarding the following incorrect information on my credit report. However, as of the current date, I have not received any response from Experian regarding this matter. Below are the details of the inaccuracies and the required corrections : The following account was never late : Account Name : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} Please correct/update this inaccurate information on my credit report. 

The following account was never late : Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$21000.00} Please correct/update this inaccurate information on my credit report. 

The following account is not mine : Account Name : COLLECTION Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$210.00} Original Creditor : COLLECTION Please remove it from my credit report. 

The following account is not mine : Account Name : COLLECTION Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$960.00} Original Creditor : COLLECTION Please remove it from my credit report.
Product: Mortgage

I have been having a multitude of issues with Mr. Cooper since they took over the servicing of my mortgage from XXXX XXXX. Mr. Cooper constantly harasses me via telephone, text, email, and postal mail regarding my 30-year fixed-rate mortgage. They constantly are trying to get me to refinance which I am not willing to do at double the interest rate. They have done hard hits on my credit without permission and will not stop calling or mailing solicitations to my home after months and months of me asking them to stop all solicitations. I have never once been late nor missed a payment in the history of my home purchase since XXXX. There is XXXX reason Mr. Cooper needs to be contacting me multiple times a day, week, or month. I filed this complaint in XX/XX/XXXX and Mr. Cooper is still sending daily mail solicitations which include sensitive account information. I am a paperless customer and have already been a victim of ID theft and data breach due to Mr. Coopers security inadequacies and poor business practices.
Product: Credit reporting or other personal consumer reports

This is XXXX XXXX I did not consent to, authorize nor benefit from any of the following inquiries I want them blocked & removed immediately. 
XXXX 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 in the process of closing out my COVID forbearance and setting up a repayment plan when it was purchased by western alliance. 
I contacted them after I received my letter of servicing transfer and asked them about the status since my repayment plan hadn't been finalized in my previous servicer. They said they were still going through paperwork and had no idea the status but would get to it eventually and send me any paperwork that was required to get my repayment plan set up. 
I never received anything until I got a notice that my home was entering a foreclosure process because of all of my past due payments. 
I called and told them what happened and was told repeatedly that their computer wouldn't allow me to enter the Covid repayment deferral program to move payments to the end of the loan and the only way to become current was to submit a loan modification request and even then that wouldn't be guaranteed. 
I don't believe this servicer is familiar with the cares act or the requirements in that legislation. I should not have to have a loan modification to receive the protections that were set out in the cares act.
Product: Checking or savings account

THURSDAY XX/XX/XXXX I went to my bank to deposit {$2400.00} in cash into the drive through ATM. I got a receipt and noticed that it said I have {$0.00} on my account. The Branch closed the minute I walked up to fix it. I called Bank of America to get my money and they said my account was closed that day as of XXXX ( which i didnt get notified of ) and to call recovery department on that friday because they can refund my money but there department was already closed for the night. The following day I called and they said they will put it in to where I will get it by Monday XX/XX/XXXX at the latest and my account closed the day before I deposited the money. I told them I needed the money for my sons school and for my house deposit. I talked to over 10 representives over the last few days and keep getting different stories and i've still no money. A few representivies said I need to call my lawyer because i'm suppose to get my money in cash. I went to that bank and they said they cant give me my money. I have different names and departments written down and been transferred to different people and been told it will be up to 90 days for me to receive my money.
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 Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I told Experian, XXXX, and XXXX to reinvestigate these accounts. XXXX XXXX XXXX ( Account # XXXX ), XXXX XXXX ( Account # XXXX ), XXXX  ( Account # XXXX ), and XXXX XXXX ( Account # XXXX XXXX # XXXX ) I don't know which one is the right account number because all of these accounts are reporting inaccurately. How is it that the account numbers, open dates, balances, account types, date of last payment, and date of last activity be reporting inaccurately? According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that are not reporting correctly.

15 USC 1681 Section 602 A : States that I have a right to privacy.

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

15 USC 1681c ( a ) ( 5 ) Section States : No consumer reporting agency can make any other 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 7 years.

15 USC 1681s-2 ( A ) ( 1 ) - A person shall not furnish any information related to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Also they are not in compliance with Metro 2 credit reporting. I have attached evidence to prove my case.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint in response to the recent investigation conducted by the Credit Bureaus. I do not agree with their findings and I am requesting for the complete accuracy. I am not satisfied that enough was done to truly contact the creditors that are reporting these information on my report and because of this I am now asking the Credit Bureaus for more information regarding these particular accounts in question. The 3 credit bureaus are required to authenticate these accounts under the FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Per FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below : DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX  XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX  XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Owed : {$0.00} XXXX  XXXX Balance Owed : {$200.00}
Product: Credit card or prepaid card

I have updated my address to where I wanted my capital one card mailed to and yet it is still.bekng mailed to the old address and that is why I am.stil having trouble with identity theft ....
Product: Debt collection

CItizens Bank NA was the defendant in a Class Action Lawsuit several years ago https : //www.citizensoverdraftsettlement.com/The short story on the case is : Citizens was processing checks presented before the deposits were credited, causing XXXX of overdraft fees. Then if that was n't enough Citizens " sold '' all the fake debt to a " XXXX Party '' collection agency ( XXXX XXXX XXXX XXXX ) who now appears on all XXXX of my credit reports.
Product: Credit reporting

The credit bureaus are reporting a bankruptcy on my reports but the courts does not verify bankruptcys, the court told me they do not verify that information. Therefore that information was pulled out from a third party reporting agency therefore it must be deleted from all three credits bureaus. I would appreciate it once deleted I would like to receive proof via email. 
My email address is XXXX
Product: Checking or savings account

I have numerous accounts thats on my chexsystems report that I did not open nor did I have any inquiries for more than 12 years .I am requesting that the said accounts be blocked and removed XXXX ENDING IN XXXX AND XXXX ENDING IN XXXX WHICH IS charged off also there is 47 inquiries that isn't mines so can we investigate and look at said report .My COMPLAINT ID IS XXXX and my CONSUMER ID is XXXXThank you my chexsystems and XXXX XXXX report is important to the furthering of my career and these accounts should be deleted under 18 U>S>C> 1028.
Product: Credit reporting or other personal consumer reports

I paid off the debt in full but is still showing on my credit as if I owe them and the refuse to remove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX IS THE ONLY BUREAU THAT IS REPORTING THE INCORRECT BALANCE ON THE XXXX XXXX ACCOUNT ON MY CREDIT. THIS NEEDS TO BE RECTIFIED OR THE ACCOUNT MUST BE DELETED.
Product: Debt collection

On X/XX/17 I received a letter and a call from MARS Inc. stating I owed {$1400.00} to XXXX XXXX XXXX. According to MARS Inc. they collect on accounts for XXXX XXXX XXXX and this amount was due for amounts owed from moving out of an apartment I rented from XXXX XXXX XXXX. I disputed this amount through letters and several communications. MARS Inc. then started reporting this amount to the Credit Bureau 's. On XXXX/XXXX/XXXX I sent a very detailed letter to XXXX XXXX and XXXX XXXX XXXX explaining why I did not owe this debt and in fact XXXX XXXX owed me money, they did not respond and continued reporting this amount to the credit bureau 's. Due to this I filed a small claims action on X/XX/17. I won the small claims action on X/XX/17 and was awarded {$570.00} plus interest. A few days later MARS Inc. called me and they knew about the judgment against XXXX XXXX XXXX but informed me I still owed {$880.00}. I sent a copy of the Petition I filed and the Journal Entry of Judgment to MARS Inc and they are still reporting that I owe {$880.00} to all the Credit Bureau 's to this day.