23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On my closing day XX/XX/2019 my loan officer lied throughout the day via phone & email to myself, my realtor, & seller ( builder ) about my rights to change my rate. I believe the initial closing disclosure was fixed to sway me to make a decision my loan officer knew I would make. After making the decision the loan officer knew I would make, the final disclosure came back totally differently & I inquired on switching back my rate within the acceptable parameters. My loan officer stated the rule I pointed out to him no longer applies because of fluctuating market. He almost cost me $ XXXX dollars at closing. My loan officer also tried to scare me in pushing back my closing date & couldve cost me {$600.00} & three extra days to wait. I caught my loan officer lying to the seller explaining that I was outside the acceptable rate change parameters, which was lie. I have to believe my loan officer lied throughout my loan process as I asked about a XXXX ARM that is broadcasted on the company website and he told me they no longer do that loan. That ARM is still on their site & the rates were much better. I feel my loan officer set me up to get the most financial gain with lies. 30 mins before I was suppose to close on XX/XX/XXXX, my loan officer stop picking up the phone & couldnt be found. I had to have an agent get ahold of his supervisor who understood what I was trying to do & got it done within an hour. I had to push my closing back a few hours & luckily the law firm had an opening. It cost a lot of hardship on a day that is suppose to be happy. Weeks after closing, I receive an email from that Loan Officer congratulating me, couldnt believe it. I left a bad survey with company & requested to be contacted but no one has reached out to me. Leads me to believe that it is acceptable in this company. I really feel I couldve potentially had a better loan product & closing day if my loan officer didnt lie. There is no telling how much this has cost me financially, the prices I put are just what I know about. Along with the stress on closing day.
Product: Credit card

The overwhelming stress and sleep disturbances resulting from this issue are exacerbated by the fact that I have diligently adhered to payment deadlines for this account. It's frustrating to encounter problems for actions I haven't undertaken.
Product: Checking or savings account

With chime bank. Couple years ago I had opened an account that I never used and forgot about it. I think it was in XXXX opened another account for direct deposit of social security. They said closed my account over that. Would send me a paper check in 30 days. This was more than 60 days ago. They requested documents I sent what they asked even though was sending same thing over again. After 60 days I asked where was paper check they were going to send me and they want send stuff again. I did then they want send it again. This was all done and over 60 days ago. I just wanted to know where is my check. Not start the whole. Mess over again. I did see I am not alone in getting foul treatment from them. Now they are claiming new issue with my deposit being suspicious. Was direct deposit social security and one time direct deposit from unemployment I had a dispute with and came as one time deposit XXXX XXXX XXXX XXXX years after I made my claim. Everything I was entitled to. They now want documents showing where deposits came from. I don't have it was done online
Product: Credit reporting or other personal consumer reports

i contact the credit bereu to remove the negative accounts that are fraudulent on my credit report and to investigate
Product: Mortgage

I received my billing statement on Saturday,   XXXX    XXXX , 2017. The billing statement shows  XXXX / XXXX /2017 as the Statement Date. The  XXXX / XXXX /2017 Statement Date implies that this bill took 14-15 days for delivery to me. For this reason I do not believe that the  XXXX / XXXX /2017 date approximates the date when the bill was presented to the    US Postal Service for delivery to me. My expectation is for the Statement Date to b e the date when the Statement was prepared. I have brought this problem to the attention of th e Green Tree ( DiTec h ) organization on previous occasions ; their assertions as to bill processing are unsubstantiated and therefore are viewed as unresponsive.
 XXXX 
Recent  XXXX  notices indicate that   XXXX   XXXX   XXXX   is approaching a time when the shares will no longer meet the   XXXX    listing requirements.   XXXX   XXXX   XXXX   also has proven itself unable to submit Financial Reports free of material error.   XXXX   XXXX   XXXX   appears to be in breach of its loan covenants. To date there has been no advice from   XXXX   XXXX   XXXX   as to what the debtor responsibilities may be if/when   XXXX   XXXX   XXXX   goes into liquidation or becomes unable to perform the servicing business.
Product: Credit reporting or other personal consumer reports

This company is reporting inaccurate and or incomplete, unproven, NON- COMPLIANT ACCOUNTS INFORMATION. I dont recall having any business transactions or dealings with these companies and or original creditors listed on my credit report.
Product: Debt collection

Credit Control Corporation has damaged me being NEGLIGENT AND UNFAIR. Your company has committed the following damages : failure to get mortgage, paying higher rates on loans, failure to secure funding, XXXX  hardship and suffering through loss of sleep and anxiety. I DEMAND TO GET THE FOLLOWING ITEM REMOVED FROM ALL 3 CREDIT BUREAUS : Account information : XXXX XXXX XXXX XXXX XXXX Account number : XXXX. Date Opened : XX/XX/2020 Original balance : {$130.00}. 

I have made my research and your company is committing multiple violations to the CCRA. Please read them carefully. I need you to take this matter seriously : Sending statement to old address after. I told cable company of forwarding address. 
Re-aging account. 
Negligence. 
Unfair business practices. 
Robot calls. 

Because all the damages and violations that I have suffered, I deserve to get this item removed from my reports.
Product: Money transfer, virtual currency, or money service

I sold my XXXX $ worth of bitcoin back into my bank account, but never gotten the money ever. Even though, the page says ''completed '' I check my bank account and no transaction went through.
Product: Credit reporting or other personal consumer reports

I logged into my BofA website ( which I rarely do because I rely on paper statements ), and noticed XX/XX/XXXX that an account was past due. I called right away and found out that I had been unknowingly switched to electronic statements. I checked my messages and found that they had emailed me the following : Problem with your e-mail address XX/XX/year> Our recent attempt to email you at XXXX failed. As a result, we are unable to email you about your scheduled payments and incoming XXXX. Please verify that your email address is correct and you are able to receive new emails at this address. If your address is already listed correctly, please contact customer support for assistance. Thank you! 

This was my old work email address I had no access to. So I had received no statements where I knew a balance was due at this point, but they had already reported me 30 days late to the credit bureau. On the call, they promised me they would have this removed from my credit report for this reason. I later received a note from BofA dated XX/XX/year> stating " We researched the delinquency and didn't find any errors. '' So I disputed this with the credit bureau. I learned today ( XX/XX/year> ) that BofA indicated that the reporting was accurate and they would not change it and so it is staying on my XXXX. I called BofA again today and spent a long time on the phone. They reversed the late charge and then told me there was nothing they could do despite this being a " bank error. '' They would not provide me with anything in writing indicating what happened, and that I would just have to live with the fact that this would not be changed. I expressed that I take paying my bills on time seriously and my credit, and that I believed they could change it if they wanted to. They said they could not. I believe my consumer rights have been violated first by switching me to electronic statements without my consent ( I had absolutely no idea ) and then telling me they would fix the credit report and not fixing it. My one request is that they remove the 30 days late because this was not my fault. I didn't realize I had a balance to pay because I rely on paper statements that come through the mail to pay my bills because I get WAY TOO MANY emails to sift through my bills via email. I would like this 30 day late removed from my credit file ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Sunday XXXX XXXX XXXX a credit manager gained access to my credit report and damaged my XXXX and XXXX score. 

Experian and third parties gained access to my report and changed accounts. 

Experian has not followed reasonable procedures in cases of disputed accuracy involving the following tradelines. 

Reported inaccuracies and FCRA compliance 1.XXXX XXXX XXXX 2.XXXX  3. XXXX XXXX EXPERIAN did not independently validate information contained in furnishers records. 
false delinquencies EXPERIAN, failed to implementing the accuracy and integrity standards and direct dispute provisions for furnishers mandated by the Fair and Accurate Credit Transactions Act ( FACTA ). 
EXPERIAN failed data quality checks or failed veracity checks which contained logical inconsistencies in the data both at the level of the data file and at the individual consumers trade line. 
EXPERIAN withdraws consumer credit disputes via the XXXX system when prior to creditor response, and provides bogus verifications response and fails to provide consumer procedural and proof of investigation report required under the FCRA.
Product: Credit reporting or other personal consumer reports

It appears to be an account listed on my consumer report that does not belong to me. This account was added to my consumer report without my knowledge or validation from both the bureau ( XXXX ) ( EXPERIAN ) and the creditor ( XXXX XXXX XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

there are accounts on my record from debt collection on my report that sre not mine even tho they are paid, i didnt open these accounts and i want them removed from XXXX XXXX XXXX XXXX XX/XX/XXXX {$1000.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} Closed ( paid ) XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} Closed Paid XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} Closed Paid XXXX   XX/XX/XXXX {$0.00} Closed Paid
Product: Checking or savings account

The clause : " You have received a bonus for opening a Wells Fargo Premier Checking account within the past XXXX months ''.

is ambiguous and is not clarified in the clause.

I understand it as for opening a Wells Fargo Premier Checking account within the past XXXX months, meaning XXXX months period only is about the date of opening the account. - i.e. the XXXX  months restriction period starts on this date, and XXXX months from that date XXXX is eligible for the promotion again. 

I had contacted XXXX Wells Fargo bankers, and they all confirmed my Interpretation of the clause, specifically that XXXX months from the date of opening the previous account XXXX is eligible again for the promotion. None of them stated it has anything to do with the actual date of bonus posting. In fact they stated a similar clause for the savings should be interpreted the same way only the account opening date matters. 

Many other banks use the same clause, with the same interpretation. Some clarify it in the clause itself, which is obviously preferable. I always contact the bank representatives to clarify the clause before proceeding with the promotion, and their interpretation was always honored by the bank. So it seems to be more or less a universal interpretation. 

Please clearly confirm that the interpretation I received from the XXXX Wells Fargo bankers is correct.
Product: Credit reporting or other personal consumer reports

Experian has no credit history for me. XXXX and XXXX do have my history. I asked my bank to send credit card history to Experian and the bank confirmed that they sent the data. Experian still says they have no history. My insurance company bases my premiums partly on my credit report and uses Experian. So I am subject to paying higher insurance premiums because Experian has no data.
Product: Credit reporting or other personal consumer reports

I would like to dispute these inaccurate accounts on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 {$7300.00} XX/XX/XXXX Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am not sure if this is a debt collection issue or the fact that the debt collector will not remove the account from my credit report. I had a debt with XXXX XXXX. XXXX turned over the debt to Merchants Credit. I paid on the account to Merchants until I could get no information on the debt from them. I then wrote a letter and began sending my money on the debt to XXXX and then to XXXX XXXX ( who bought out XXXX and its entities ). I continued to write to both Merchants, XXXX and XXXX. I never received any information from Merchants. I received a letter and a refund from XXXX saying I had no debt. I disputed on my Equifax credit report. Merchants Credit refused to remove the debt. The dispute from Equifax says to make this contact and also contact my State 's AG 's office. I attach copies of my letters and my response letter from XXXX XXXX. I have received no statements from Merchant 's on this account.
Product: Credit reporting, credit repair services, 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  XXXX Account XXXX has violated my rights. Or 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 or other personal consumer reports

Subject : Request for Assistance in Removing Inaccurate Inquiries from Credit Report Dear Consumer Financial Protection Bureau, I am reaching out to seek your assistance regarding several inaccurate inquiries on my credit report that I have disputed with TransUnion. These inquiries are associated with ciber attacks from XXXX and XXXX, which I believe were the result of identity theft or misunderstanding. Despite my efforts to resolve this issue directly with TransUnion, the inaccuracies remain on my report, negatively affecting my credit profile. By law with the Fair Credit Reporting Act, specifically under 15 U.S.C. 1681s-2 ( a ) I kindly request your help in erasing these fraudulent inquiries to ensure my credit report reflects accurate and fair information. Thank you for your attention to this matter and for your support in protecting consumers like myself. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My wallet identity was stolen in XXXX XXXX XXXX while out with my friends.. My idenitifying information was in my wallet at the time of losing it ( driverslicense, social security card, and a few credit cards ). I found out that my information was used illegally to open up fraudulent accounts ( credit card, anapartment lease, and utility bill. There were also XXXX fraudulent inquires made without my permission as well. I would like for all of these items to bedeleted from my credit profi le immediately.

ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Com-pliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, cer-tifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction- ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, docu-mented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or XXXX XXXX Metro 2 COMPLIANT reporting. FEDERAL laws dictate that any and all deroga-tory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE AS-SUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifia-bility of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now.Please RETURN to or retain federally lawful reporting with your unwa-vering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not.

I would like to forge forward with a righted disputation challenging what likely is an inaccurate, un-true, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsi-bility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting.Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, metro 2 compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey : The following allegations each require immediate deletion, do so now and here!
Product: Credit reporting, credit repair services, or other personal consumer reports

I received your letter on XX/XX/XXXX stating that you, Credit Management , LP will honor my specified remedy by deleting this collection account from all consumer reporting agencies. However, I recently obtained my credit file and let the record reflect notice that you, Credit Management , LP failed to delete this collection account from my credit file. Instead of deleting the negative information off my consumer report, you Credit Management , LP closed the account on XXXX, and add an open account on my XXXX on XX/XX/XXXX.
Product: Credit card or prepaid card

I have two cards through citi that were enrolled in the payment protection program in XXXX without my knowledge. This is a variable amount that is figured off of the ending balance on each card. I amassed charges in the amount of {$1500.00} on one card and XXXX on the other without figuring interest on the fees they charged. 

Yes, I feel like an XXXX for not catching it sooner. I checked my accounts monthly for any charges I did not recognize and did not question the amount listed on my statement as fees, which appeared right above the amount of interest charged. I figured it was a card usage fee and had no idea that it was an optional insurance fee. Had it been listed as a charge for a service, I would have noticed and cancelled it long before now. None of my other cards have anything even remotely similar an this is not a type of service I need or would purchase. 

Citi has told me that no proof of enrollment exists, only that I agreed to it during a phone call with them. I have spoke at length with XXXX in their customer service dept and he has told me that I can dispute the charges, but he can only go back through XXXX to see the amounts. In a letter I received after cancelling payment safeguard, citi states that any previously billed fees are non-refundable. 

The whole practice feels shady at best and I can not see where it is ok to list a payment taken for an optional service is listed only as a fee with no line item description. 
Help in recovering any of this amount would be appreciated and an amendment to how they list the charges might help others notice before they pay for something they don't need and didn't sign up for.