23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On or about XX/XX/XXXX, I received a call from my local office US Bank XXXX In-store office to determine if I was interested in refinancing my home and after speaking with my husband we said yes. On or about XX/XX/XXXX, I completed the loan application with XXXX XXXX. I provided the bank with two years worth of statement financial documents that they request. In XXXX they requested more and XXXX they kept requesting more financial statements, loan statements. The only excuses for the alleged delays on the conditional approval was the volume of loans being processed and the Bank not having enough man power to get through the work load. They further contacted me in XXXX asking me for more mortgage statements, which left me speechless and beyond words. I had been going to the to fax documents requested just about every month since the inception of the application. I escalated my concerns and on XX/XX/XXXX, I was contacted by XXXX XXXX, US Bank District Sales Manager, and she apologized for the delays and in the manner my application had been handled. I asked if my loan was going to be denied or approved and she indicated it looked like they were moving forward with the loan approval it needed final approval. Ms. XXXX assured me she would follow up on my loan. I never received a call nor any further communications from US Bank since XX/XX/XXXX. Ms. XXXX also expressed concerns how some borrowers were lying on their applications that they were making payments when they weren't. She even requested for me to open up my credit again so they could run it again and I did. I offered to provide current income statements from my husband as he is XXXX XXXX XXXX and in current climate is an essential worker to the economy and continues to be employed. 

I don't understand the lending practices but being in banking for 33 years I never saw a client being mislead so much and not given a clear answer prior to the insulting letter received XX/XX/XXXX, seven months later advising of a denial due to unable to verify credit references and unable to verify income. 

This is ridiculous and insulting as we had submitted so many different Balance Sheet and Income Statement, Federal Taxes, if they wanted actual wage earning statements I could have provided that documentation. however ; they shut off any communication with me by not calling me nor emailing me this request after my conversation with Ms. XXXX. 

The Bank is highly concerned about the economic climate yet they are red taping this situation, wasted months, took {$390.00} for the application, and lowered my Credit score as they ran it twice placing red flags on me. 

US Bank 's lending practices are out of compliance with federal regulations and need to be reviewed.
Product: Credit card or prepaid card

Greetings : I am writing to issue a complaint against Klarna Inc. for its deceptive and bait-and-switch practices. I had issued a complaint with the XXXX, but they could not make a determination in my favor because Klarna did not provide me with anything in writing pertaining to my account, except for a statement which was not sent to me. On XX/XX/2021 I made an XXXX purchase ( from several XXXX shops ) totaling {$670.00}. Klarna offered me 12 months zero interest, as long as I kept up my payments. In XXXX, I was trying to navigate the Klarna app and my automatic bill pay was shut off, which I did NOT intend to happen, and this resulted in a late fee AND loss of my promotion. HOWEVER two supervisors have also written to me saying that the promotion was never added to my account because I didnt qualify, even though I was approved for a {$1000.00} credit limit through Klarna XXXX Klarna did NOT divulge anything about my not being eligible for the promotion. They also didnt divulge that my promotion was removed due to a late payment. 

So which one is the REAL story? I honestly dont know. But the point is, Klarna did NOT notify me when : A. I didnt qualify for the promotional offer of 12 months zero interest ( see attachment of the screenshot I took when I accepted the offer ). 
B. I LOST my promotion because I lost my auto pay, which resulted in a late payment/fee. 

NEITHER scenario is acceptable and as I said, I dont know what the truth is. I am disputing any and all interest and late charges associated with my Klarna account. I did not agree to the interest rate of 19.99 %, which was added to my account instead of the promotion I agreed to 12 months zero interest, and thats what I expect. My bill has been half paid off, and I owe Klarna {$370.00}, NOTHING MORE. This has been going on since XXXX, and I am livid about being deceived by Klarna XXXX Inc. Im not sure why they have an A+ rating on the XXXX website, because the complaints from customers against Klarna on the same website ( XXXX ) are EXTENSIVE, and average 1.4 out of 5 stars. This is unacceptable and I will fight this absolute injustice.
Product: Checking or savings account

I have chime checking and I have two advertisements attached to my car insurance payments saying if I switch I get a refund so I went ahead and switched my insurance from the XXXX to XXXX  insurance today on XX/XX/year> and I called chime and the lady I spoke with said I have to contact the insurance company for that refund so I told her the insurance company is not the one who is advertising this offer its chime and I advised her there is nothing stating if I switch to contact insurance company for this its a ad on chime and I adv her there advertising false information on there application and she still insisted I had to contact the insurance company so is adv her why would my insurance company refund me anything for leaving there company and she just didnt want to hear anything I said so I told her I went ahead and joined a new company just for this ad to get a refund that chime is clearly offering on the payments made to the insurance company she didnt seem to care I think I should be refunded the insurance payment I made to the XXXX  which first showed me the advertisement
Product: Credit card or prepaid card

On XX/XX/XXXX I received an email from Wells Fargo indicating that my contact information had been updated on my account. I contacted Wells Fargo and informed them that I had not made the update. Wells Fargo closed my account and proceeded to mail new credit cards to me. I logged into my online account, I created a new username and a new 32 character password. I then changed the erroneous information back to the correct information. 

On XX/XX/XXXX I receive another email from Wells Fargo indicating that my contact information had been updated. Again, I contacted Wells Fargo about this unauthorized change. The customer service department transferred me to the online department, the online department transferred me to the fraud department, the fraud department transferred me to the phone bank department, the phone bank department transferred me to an escalation department which turned out to be a customer service rep for checking and savings and could not do anything for me except transfer me back to customer service for credit cards. The phone call on XX/XX/XXXX lasted 51 minutes as I had to explain the whole issue to each new person I was transferred to. 

I would like Wells Fargo to explain to me who/why is my account being updated without authorization. Is it truly a hack of my 15 character username/32 character password just 48 hours after they were created where the only change made to my account is a phone number? Or is it a change being made by a Wells Fargo employee/system, and why is it being made?
Product: Credit reporting or other personal consumer reports

XXXX XXXX and Equifax are reporting inaccurate information on my credit report. And continue to violate 15 U.S. Code 8 16815-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION. This erroneous information is ruining my credibility, and I would like it removed entirely from my credit report. List of inaccurate information : the reporting of XXXX XXXX and XXXX ON XXXX is inaccurate and must be deleted as INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which makes the reporting of these accounts Inaccurate. Once again, 15 U.S. Code 8 16815-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION PROHIBITION ( A ) Reporting Information with actual knowledge of errors 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 data is inaccurate. Duty : a moral or legal obligation ; a responsibility. Accurate : correct in all details ; exact. PROHIBITION : a law or regulation forbidding something As Defined by the IRS. Even if you didn't receive a Form 1099-C, you must report the canceled debt as gross Income on your tax return. The IRS Clearly defines a charge-off as Gross or Ordinary Income. INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which makes your reporting of this account Inaccurate. Both XXXX XXXX and XXXX ON XXXX are inaccurate and must be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe I have been a victim of fraudulent activity or identity theft, as revealed by a thorough examination of my credit report. In XX/XX/XXXX, I discovered an account opened in my name with an incorrect birthdate of XX/XX/XXXX, while my actual date of birth is XX/XX/XXXX. Considering this discrepancy, I was a minor at the alleged time of account opening, being only XXXX XXXX XXXX. 

Moreover, I need to report another instance of fraud involving a maxed-out XXXX credit card, which was unlawfully opened without my knowledge or consent. Additionally, I have uncovered XXXX attempts to open new lines of credit using my social security number. Some notable examples include the following inquiries : XXXX. XXXX XXXX - XXXX date : XX/XX/XXXX XXXX. XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX  - Inquiry date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX  - Inquiry date : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX I am greatly concerned about the potential consequences these fraudulent activities may have on my personal and financial well-being. I seek assistance in resolving these issues and implementing appropriate measures to safeguard my identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code 1692c - Communication in connection with debt collection, I XXXX XXXX, Consumer, am demanding XXXX Bank to Cease and Desist communication with my consumer credit reports, I do not give any consent for XXXX Bank to report to any Credit Reporting Agencies on my behalf.

Pursuant to 15 U.S. Code 1681a ( 1 ) ( d XXXX XXXX Bank reporting to Credit Reporting Agencies is communication, and as of XX/XX/2022 I cease and desist XXXX Bank communication. 

Failure to comply will result in many fines. Thanks, Best regards.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have proof that the CRAs are not in compliance of 15 U.S. Code 1681 ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. The information reported is not been properly verified.
Product: Student loan

In XX/XX/2018, on the XXXX I think, my loan was sold to XXXX from XXXX XXXX. During the transfer my principal balance was inflated, a payment was not posted, late fees were assessed, and my monthly payment has increased. 

I reached out to the new company by phone and email. They claim to have fixed it all. They did finally add the payment and remove the late fees after a month. However, the initial transfer principal balance looks to still be in error and the monthly payment amount is still in error as well. 

Additionally, on the XXXX XXXX side I went to my old account to get more material to strengthen my ground for complaint but less than a month after the sale my records are no longer there for my access despite the account being active. XXXX XXXX did not give any overt warning that my only means of saving this information would be prior to the transfer. If I had not printed copies of my monthly payment I would be in a very poor position.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax deleted all my positive credit and when I contacted them they said it was nothing they could do about also they put a credit alert on my report. I have called numerous times and they act as if they don't know what I am talking about. Also it is reporting a high utilization when I don't even have any credit????? I am so sick of the credit bureaus
Product: Credit reporting or other personal consumer reports

Please be minded that if you send a computer generated letter not to open the dispute request I am going to file a complaint. There is not a single item in my letter that could possibly lead one to believe it was not written by me. Failure to do so must be penalized according to 616. [ 15 U.S.C. 1681n ] that states any person who willfully fails to comply with any requirement under this law concerning a consumer is accountable to that consumer for a sum comprising : 1. A : The actual damages suffered by the consumer due to the failure, or damages ranging from not less than {$100.00} to not more that {$1000.00}. 

Since I know that this letter will be sent through an automatic system you have, I will make it brief. You informed me that my disputes were " verified as accurate '' after I provided evidence of discrepancies in the form of FACTS that I directly obtained from my credit report. Given that I'm using the information from my credit record, how is this possible? I believe that after you receive my letters and enter them into the computer, the computer forwards them to the XXXX, and the creditor simply compares what you have. 

It will, of course, be confirmed when you compare your information to theirs! I am aware that you are required to conduct a separate inquiry to verify the accuracy of this information, but I need to see the actual process to make sure you have complied with FCRA laws. Both the paperwork utilized for this independent investigation and a fresh one based on the factual information provided below should be sent to me. 



Below are the following accounts that needs to be deleted or removed as it is being falsely reported on my credit report. 



XXXX XXXX : Account number : XXXX, Each bureau reports a different date of last activity and Repetitive XXXX marks on this report, remove this account for violation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Account number : XXXX, Once again I had stated in my previous dispute letter that I do not recall having this account. I've also asked your agency to provide the monthly payment, credit limit, terms, high balance, last payment, past due amount, date of first delinquency and date closed as they are missing from the report. I am demanding the immediate removal of this account from my credit report. 

XXXX : Account number : XXXX, Please clarify the payment status, comments, balance and account number as they might be erroneous. Delete them from my credit report altogether. 



I ask that you take urgent action to comply with Section 611 ( 5 ) ( A ) of the FCRA, which requires you to " ... promptly DELETE all information which can not be verified. '' I want all of the aforementioned accounts deleted right away. Send me a copy of your most recent, revised credit report indicating the deletion of these items. 


Yours Truly, XXXX XXXX
Product: Debt collection

I noticed XXXX items on my credit that I did n't recognize that were listed by XXXX so I got their # and called them, the girl said they were tolls from XXXX..I live in XXXX ... I told her I just wanted them gone and agreed to pay XXXX to do so, the girl refused to send me an email or letter spelling out that they would settle account for that amount. She said they do n't have " the legal dept '' to do that ...???? I just wanted proof they would close these accounts for that amount as they said they would. I asked for her supervisor and a validation of debt because I did n't remember being in illinois then, and she gave the XXXX thing and said hold on, the supervisor came on who said first thing that she was busy and what did I want???? Seriously?? She also refused to send a letter or email and told me I had til XXXX their time or the price would go up, and HUNG UP ON ME! 
almost three weeks later, I get a letter from Trans World Systems saying that they now have my debt, and I need to call THEM. I called Trans world, and the girl said they ARE nco???? I nicely explained what happened before and that I was willing to close out the account even tho I was n't sure it was mine, I just wanted some proof before I gave them my credit card that they would indeed close the account out for that amount, the girl got snippy with me and again refused, take it or leave it, oh, and ya, now its {$430.00}!!!!! Who are these shady people and why are they switching my account to different but same companies???
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with Transunion Credit Bureau asking them to provide me with the information of the bankruptcy That they are reporting on my credit file, and they sent back a response stating that they verified it thru the courts. When I called the courts to verify this information, I was informed they do not release any information to the credit bureaus and it is also a disclaimer on the courts website.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account 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
Product: Mortgage

I have an existing loan with Quicken/Rocket Mortgage and wanted to refinance to a VA loan with cashback. We began the refinancing process more than a couple of months ago for a VA loan. The loan was suppose to close around the middle of last month but when everything else was submitted and closing date was about to be set, Quicken said that the appraiser ( after the appraiser had been done and sent to me ) could not find appropriate comps to put onto the VA form. They contacted me and tried to offer me a conventional loan and I immediately said NO. 
That was weeks ago. I had to go to the expense of getting a wood boring pest inspection for the VA process ( TXXXX is waiting for payment ) per Rocket Mortgage but Rocket Mortgage is saddling me with that bill and they have changed the mortgage to a conventional without my permission. 
I have sent repeated e-mails asking for them to change it back to a VA loan and get an e-mail occasionally from one person appealing to others at their company to remedy the situation but there is no response from any of them. 
At this point, I would leave Quicken/Rocket but the existing mortgage is still with them and there has been so much of the loan process completed ( again, it was right at closing ). 
The current loan continues to be noted as conventional and they are trying to force me to provide documentation to support that loan and trying to force me to sign that the loan type is ok.
Product: Credit reporting or other personal consumer reports

I am formally disputing the late payment entries on my credit report : XXXX - XXXX - {$950.00} XXXX - XXXX - {$690.00} XXXX  - XXXX - {$770.00} XXXX XXXX XXXX XXXX - {$1300.00} These entries are inaccurate and do not reflect my actual payment history. Despite my repeated attempts to have these discrepancies investigated and resolved, no meaningful action has been taken. I have provided all necessary documentation to support my case and have followed up several times, yet these errors remain. This lack of resolution has not only caused financial strain but has also significantly affected my mental and emotional well-being. The stress of dealing with these incorrect entries is overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial behavior, including the right to have outdated or inaccurate information promptly corrected. I urge you to take immediate action to update or correct these late payment entries, as failure to do so is a violation of my rights under federal law.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX an account was opened on my credit report for Child Support, which is now closed. The amount was in the amount of {$91.00} Experian updated the balance XX/XX/XXXX and it is still publicly reporting on my credit report. 

According to United States Code ( USC ), Title 42, Section 654 ( 1 ), child support is explicitly stated as NOT being considered a debt or liability for the purpose of collecting or reporting information on a credit report. This means that any orders or agreements related to child support are separate and should NOT be confused or conflated with them.

Furthermore, the Fair Credit Reporting Act ( FCRA ) also prohibits the inclusion of certain types of personal information in credit reports, including those related to income, assets, liabilities, and other financial obligations. Child Support payments do not fall within these categories and therefore can not be reported on a credit report without violating applicable laws and regulations.
Product: Debt collection

The XXXX Bank collections keeps contacting my parents looking for me. They have my phone number and address, they should be contacting me. I have never given them permission to contact anyone else. My parents are elderly and hard of hearing and do not need this harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached my credit report to this complaint to show that you are reporting an inaccurate account on my credit report. The account XXXX XXXX XXXX XXXX is more than 7 years old, and it was transferred to another lender. You are also reporting the XXXX as XX/XX/2020 which is incorrect. Experian and XXXX removed this account, but your company has failed to do so and ignored my initial dispute letter. I am requesting the removal of this account immediately from my consumer report.