23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

there was a discrepancy in the mortgage interest rate promised to us by Wells Fargo. On XX/XX/XXXX, we were assured by Wells Fargo representative that we would receive an interest rate of 4.625 % for my XXXX mortgage, and we paid the required rate lock fee to secure the rate. However, Wells Fargo failed to honor this promise, so we were forced to secure a loan with a different lender at an interest rate of 5.625 %. 
As we decided to purchase a different property, we double-checked with the lender that the rate stayed intact, and on XX/XX/XXXX, the lender promised us : " Our current policy allows transferring your XXXX XXXX XXXX XXXX to a new loan application when you purchase another new construction home. '' Despite this assurance, on XX/XX/XXXX, the lender retracted the promise, stating : " I have escalated requesting further clarity, but Wells Fargos XXXX policy is applicable to the property address on which the lock was entered into. At this time, we are not able to transfer extended locks when there is a change in address. '' The difference in these rates results in a substantial financial burden over the life of the mortgage, totaling an additional {$200000.00} ( for the {$940000.00} mortgage ).
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XXXX ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Checking or savings account

On XX/XX/2019, I submitted the following complaint : " I had enough funds to cover all debits on the above referenced account except one, XXXX Visa for {$270.00}. This debit was not among the debits listed in my account on XX/XX/XXXX and so it clearly posted last from a chronological stand point, in fact it appeared the day after XX/XX/XXXX on the ledger so there is no way that it posted before all the other entries. 

In any case, there were sufficient funds for all remaining debits on XX/XX/XXXX. I believe there should only be one NSF fee of {$34.00} for the XXXX payment. Therefore I request a refund of {$68.00} for the two extra erroneous fees. '' The customer service response did not acknowledge the facts of this case. I had my account covered for all posted debit on XX/XX/XXXX, and the debit that cause an overdraft did not appear until the following day. Due to this fact Chase over charged my account. Chase has been very aggressive in charging overdraft fees unfairly. Further more, customer service agents appear to reflectively refuse to correct errors.
Product: Credit card

EverBank take over of TIAA Bank. Unilaterally changed credit card processing, access, issuance, etc. Apparently bank does not want deal with credit cards.

1. Changed access to the card account ; 2. New access will not allow me to create an account ; 3. Cancelled by existing card valid and fully funded without notification ; 4. Issued new card and assigned charges to it without me having card or activating it ; 5. Cancelled old card for on going services with no notification, i.e. cancelled my internet provider charges without notification or without me having new replacement card ; 6. No support service could or would resolve these issues. Everbank does no want to be in the credit card business or service it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 XX/XX/2022 XX/XX/2022 I disputed my XXXX XXXXXXXX account on XXXX separate occasions for incorrectly reporting my account as delinquent to Transunion. It's showing that I'm delinquent for the months of XXXX, XXXX, and XXXX of 2022. The account payment is auto-debited from my checking account bi-weekly. When I disputed the account previously with the credit bureau, it was corrected. XXXX XXXX XXXX XXXX XXXX doesn't show my account as delinquent in their records. Transunion states that they can see when the inaccurate data was corrected previously, but it is up to me to continue to dispute the inaccuracies or send a letter from XXXX XXXX XXXXhowing I'm current. I don't think that I should have to do this monthly. Either XXXX XXXXXXXX is committing fraud or Transunion is not requiring XXXX XXXXXXXX to show proof of delinquency. Further, XXXX and XXXX show the account as currebt, never late. XXXX XXXXXXXX is a predatory lender. It is my belief that they are trying to prevent me from refinancing the loan to a different company with better terms and interest rates. When I inquired about refinancing previously, I was told that they only allow refinancing to borrow more money, not lower the interest rate. This company needs to be investigated for their predatory practices.
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 U.S.C 1681 section 602 A. States 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 written instructions 15 U.S.C 1666B a creditor may not treat a payment on a credit card account under a open consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file XXXX  XXXX XXXX Balance : {$13000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to Experian in XX/XX/XXXXXXXX  and tried again XX/XX/XXXX. They are refusing to remove inquiries I did not approve of.
Product: Credit card

I disputed the charges we didnt come up with a solution I submitted a complaint with cfpb the very next month they submitted XXXX missed payments I never missed a payment they can see that from my payment history
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below were reported on my credit report in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. I need the following items to be removed from my file immediately. 
CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$1700.00}
Product: Debt collection

There is currently a property tax placed on my credit report that is fraudulent and preventing me from renting an apartment. The original creditor is XXXX XXXX. Upon moving out they claimed there were many damages that did not exist. It is now owned by Credit Bureau Associates. The amount is {$1800.00}. I can not get housing because of this. I had no chance to defend myself. The damages they claim simply do not exist and there is no evidence of it. I am currently XXXX and need to obtain low income housing. I need to have this removed from my credit report.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I started with the home buying process. I was told by mortgage lender that there is a hold on my Equifax report. When calling Equifax I was told that in XXXX or XXXX an internal freeze was put on my report. I asked how I get it removed the woman I spoke with stated I have to provide a cover letter, copy of my drivers license with current address and correct name, and a copy of my social security card asking for the removal of the internal freeze. She told me that this can only be sent by mail. They do not accept via fax or email. I sent all documents out via mail on XX/XX/XXXX. When calling today, XX/XX/XXXX, I was told by supervisor XXXX that they have not received my information and the internal lock remains. I was never informed of this internal lock, never requested this lock, and didnt need it. This has made the home buying process take longer because they need information from all three credit bureaus. This was done unwillingly and unknowingly and now my personal information has yet to be found. There is no number or email address for the department that handles the documents. This is worrisome and I need this fixed along with knowing my account has been updated!
Product: Mortgage

XX/XX/XXXX, I requested that Wells Fargo forgo the escrow account on my conventional adjustable loan as I am below 80 % of my XXXX. Wells Fargo sent me a letter two weeks later to say that it would not drop the escrow account as my original appraisal was XXXX and since my load was XXXX, it was not below 80 % XXXX. Wells Fargo used the tax appraisal completed by the county of XXXX which was not an accurate appraisal of my real estate property. I purchased the house for XXXX. Currently XXXX has an appraisal value at XXXX. I called Wells Fargo after receiving the denial of dropping the escrow account and pleaded my case. I was told that they would review again and escalate the matter. I just received my letter today XX/XX/XXXX, telling me once again that the escrow account will not be dropped and that my loan to value is more than 80 %. No calculation was provided to let me know how this percentage was obtained. This is certainly unfair practices by Wells Fargo. I can go a step further and say Wells Fargo saw fit to change my loan to one with an escrow account without my agreement. My loan has gone from {$1100.00} to now {$1600.00} per month with escrow. I am nearly 3 years out of a chapter XXXX discharge and you would think that Wells Fargo would be more lenient with its customers that are trying to get back on their feet. If I didn't know any better, I would think this Wells Fargo is trying to get me to go into foreclosure.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit card and noticed I had fraudulent accounts on my report. I want the fraudulent account to be removed from my credit report immediately because they hurt my ability to obtain credit
Product: Credit reporting or other personal consumer reports

The company is reporting on experian and XXXX account status as collection and on XXXX XXXX accounts status open i call this company several times asking for a letter confirming if i paid off the collection balance even tho its reporting wrong information to the bureaus can it be removed from my account prior to be paying the balance they said they will send a email confirming they never did truthfully i dont even remember this account i just need it off my account its hurting my home buying process
Product: Credit reporting or other personal consumer reports

I have an authorized user account on my credit report. I've asked Equifax and XXXX to remove it as I'm not responsible for this account. I've been requesting they remove for months. XXXX says they removed me from the account in XXXX XXXX. However, it is still showing up on my Equifax credit report.
Product: Credit reporting or other personal consumer reports

I sent the bureaus a letter back on XX/XX/2023 requesting information but they never sent me what I requested. 

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

15 USC 1681e ( b ) Compliance and procedures ( b ) ACCURACY OF REPORT 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. 
Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below OR a Certification from the creditor that the certified accuracy and completeness of the information/account. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me a copy of the verifiable proof, you must DELETE the account listed below. 
I demand that the following accounts be validated or DELETED immediately.

1. XXXX XXXX XXXX. & XXXX 2. XXXX XXXX 3. XXXX XXXX XXXX XXXX & XXXX 4. XXXX XXXX XXXX XXXX 5. XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I'm a single Mom, my daughter has an autoimmune XXXX covered by the Americans with Disabilities Act, I am sole caretaker to my XXXX year old XXXX Vet father with XXXX  XXXX XXXX and I'm about to lose my car because the lease is up and i was denied for financing because of Citibank 's inappropriate and inaccurate credit reporting. I am also recovering from being very ill with XXXX. 

Due to XXXX, I lost 50 % of my salary in XX/XX/2020. I was not making enough to even pay my mortgage- never mind food, utilities, etc. I called XXXX XXXX and they deferred my mortgage for 3 months. XXXX XXXX  XXXX XXXX deferred my loan with them for 3 months. XXXX XXXX deferred my car lease for 3 months. On XX/XX/2020 I called Citibank and asked to defer my loan for 3 months. They noted my account of my request and told me someone would contact me. I received no contact. Instead, I received a late notice. I called Citibank again. The woman I spoke with told me my XXXX and XXXX payments were late. She alleged Citi tried to reach me. I have NO messages, voicemails, etc. She told me it was a robo-call and robo-calls don't leave messages. But, she said she could defer my payments for XXXX and XXXX making my next payment due in XX/XX/2020. She also advised I could request late fees be waived when I made my payment in XXXX. 

Before I could make a payment in XX/XX/2020, I received a notice from a collection agency! Citibank sent my account to collections. This has destroyed my credit. I can not get a loan from my credit union or car financing. Prior to this, my account was in GOOD standing - all of my accounts were and my credit report was excellent. 

Citi has continually refused to help me telling me there is nothing they can do. I broke my IRA so I can pay my loan in full ( {$5700.00} ) today! But they will not help me. All I'm looking for is to pay my loan and for Citi to remove the negative reporting from my credit report. Citibank CAN Help me but they just do not care. This is a pandemic! There must be protection for me, I just need help. Please.
Product: Mortgage

This Company i, e, Wellsfargo Charged Me {$400000.00} To Bring My Account Current in The Past & They Charge Me Money Every Year For Having Escrow Low Due To Their Calculations! I Feel It was Illegal to Charge Me {$400000.00} Without Me being Able To Bring My Account Current In The Past! I want To Know If I Am Due Monies For Past & Present Charges! Due To The current Settlement!
Product: Debt collection

The debt in question was dropped by the original company because the service was not actually used so the debt is no longer applicable to me. XXXX already fixed the inquiry on their report but I can not figure out how to fix the inquiry with XXXX
Product: Mortgage

Good afternoon. I am writing from XXXX XXXX, FL, the area most recently devastated by Hurricane XXXX. Immediately after the hurricane, our lender offered a forbearance program due to the natural disaster. While my home suffered some damage, it was not enough to meet my hurricane deductible through my homeowners insurance so we decided to take advantage of the forbearance and pay for our repairs out of pocket. Leading up to the end of my forbearance period, I contacted my lender, PENNYMAC on several occasions to discuss my repayment options, despite being told someone would reach out to me XXXX  days in advance. I finally spoke with my assigned representative, on my own accord, not theirs, and we came up with the terms of my repayment program, an additional {$1000.00} per month for XXXX  months. I began this repayment program in XXXX  and have fulfilled my payments to date. 

I went on to routinely check my credit score, as I typically do, to see my credit had dropped XXXX points. I have always had good, if not excellent credit and never a derogatory remark so this was a shock. I then see it is because PENNYMAC had reported me delinquent. I spoke to several representatives who all told me the same thing, theres nothing they can do. As soon as someone comes off forbearance, they are reported delinquent, despite participating in the repayment guidelines that THEY set forth. 

Why would anyone who was properly informed, agree to a XXXX  month reprieve of paying their mortgage in exchange for years of credit rebuild? My assigned representative did not in any way notify me that this was the consequence of applying for aid after a natural disaster. 

I know XXXX  forbearance is not negatively reported due to the CARES Act. Is there nothing that protects consumers from a natural disaster?
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/20 I tried to access my Transunion online account to unlock a credit freeze. It said it couldn't find my account so I created a new account and it asked for my credit card for some reason. I didn't realize that it was signing me up for a credit monitoring service. 

All I wanted to do was unfreeze my credit, but instead I was auto-billed for a subscription service. There was no mention on the website that that was what it was going to do with my credit card information. 

I was able to cancel the subscription on their website, but there isn't a way to remove my credit card information or get my {$24.00} refunded.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 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.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

"
Product: Credit reporting, credit repair services, or other personal consumer reports

In a accordance with fair credit reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 an 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 1681 s-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 their information is inaccurate Someone needs to hold them accountable for this the credit bureau have no respect for the laws.
Product: Debt or credit management

XX/XX/, I applied for a personal loan with Discover, whom I have a credit card with. I applied because they notified me that I qualified for up to XXXX in personal loans. I applied and within hours I was denied. Then discover sent me an email that had my XXXX score wrong and wrong information from my credit report. When I called Discover and spoke to their rep the next day, neither the supervisor nor her subordinate could explain the false basis upon which the loan was denied. Because my credit is excellent and all the information Discover used to deny the loan was pretextual and false, the only conclusion I can draw is that Discover red-lined me via zip code and race. My credit is excellent and I literally just purchased a vehicle.
Product: Debt collection

AMERICAN EXPRESS knowingly and intentionally acted without lawful authority when it furnished the consumers private account information to Consumer Reporting Agencies one of those consumer agencies that I'm aware of is XXXX and is therefore guilty of Identity Theft as defined by 15 USC 1681a ( q ) ( 3 ) & New York State Code 190.79 Identity theft in the second degree. XXXX is in unlawful possession of the consumers private financial information and has used and shared it with third parties which include but may not be limited to consumer reporting agencies without authorization. The original creditor, AMERICAN EXPRESS, failed to provide me with the necessary disclosures required under GLBA and 15 U.S. Code 6802, These disclosures are vital in ensuring the protection of consumers personal information and preventing identity theft.