23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I sold my house a couple weeks ago with closing on XX/XX/XXXX. The mortgage was with Wells Fargo. I do not currently have any other obligations with Wells Fargo. Even though Wells Fargo received payment in full from title and escrow on XX/XX/XXXX, Wells Fargo lists the mortgage as paid in full but continues to show the payment as " unapplied funds '' and interest continues to accrue on the account. The system shows the principal balance as of XX/XX/XXXX as {$220000.00} and the payment received as {$220000.00}. The system then says " We have received funds that are not sufficient to make a full payment on your loan. If we are automatically withdrawing your payments based on a recurring weekly, bi-weekly, or semi-monthly schedule, your funds remain unapplied until we have received an amount sufficient to make a full monthly payment for you. '' The issue is they have received a full payment. In fact, they have received much more than a full payment ; they've received payment in full of the entire mortgage. Here is where my issue comes in. I made a payment on XX/XX/2021 in an amount of {$1400.00} with {$360.00} going to principal, {$760.00} going to interest, and {$340.00} going to escrow. This means roughly {$24.00} of interest accrues on the loan per day. I have never missed a payment. All payments throughout the life of the mortgage were paid on time. In fact, I made payments early at various times. On the closing settlement statement, it shows interest was paid from escrow to Wells Fargo in the amount of {$720.00} and was paid through XX/XX/2021. Why? The mortgage was paid in full on XX/XX/XXXX. At that moment, the funds should be applied and interest should stop accruing. From XX/XX/XXXX through XX/XX/XXXX, roughly {$98.00} in interest should have accrued. Why am I paying {$720.00} in interest through XX/XX/XXXX? If this is done intentionally to earn extra interest, this seems to be a violation of Dodd-Frank and UDAAP. 

Secondarily, I was also charged {$71.00} at closing for mortgage insurance. Why? The purpose of mortgage insurance is to mitigate the risk of default. At close of escrow and payoff of the mortgage, there is no longer any risk of default. Furthermore, I paid {$35.00} per month for mortgage insurance throughout the life of the mortgage. Why did I pay double that amount in XXXX? Once again, these shenanigans appear to be violations of Dodd-Frank and UDAAP. 

I would like to understand why I am still paying interest on a paid in full loan and why I paid double the mortgage insurance I was scheduled to pay. I would like a refund of the overpayment of both interest and mortgage insurance, as well as any other fees and charges I may have overpaid and are not immediately available from the statements currently available to me. Finally, I would like the CFPB to look at Wells Fargo 's lending practices to determine the scope of harm to other consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX Account # : XXXX, XXXX XXXX XXXX Account # XXXX, XXXXXXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX  Account XXXX XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX 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: Checking or savings account

XX/XX/2022 mobile check deposit started XX/XX/2022 check rejected with no explanation and a warning not to try to deposit it again XX/XX/2022 after 1 call and a chat no one wants to give me a reason as to why the check is rejecting, only that they cant bc of security reasons, which is frankly ridiculous to me as my name on the check is the same as the account holders 2nd call XX/XX/2022 reached a supervisor and told me they rejected the check bc it's an external bank transfer ( I'm not a financial whiz but this seems like the definition for every check ) and I needed to link that account to transfer funds. The check is coming from my 401k provider so I'm unsure as to how I would link an external bank account to fix the issue
Product: Credit card or prepaid card

Payment of {$48.00} due XX/XX/XXXX XXXX XXXX Attempted to pay, while out of town assisting XXXX person whose spouse was in the hospital & had to stay until TuesdayXXXX XXXX XXXX XXXX, due to the hospitalized spouse 's delayed release. Called the Synchrony Bank number to attempt payment on the due date ( Monday, XX/XX/XXXX ), but system required bank routing & account numbers, which I did not have because I did not bring my checkbook on the trip. I called the payment in on Tuesday, XX/XX/XXXX around noon ( thus meaning it was approximately 18 hours late, at most. I called Synchrony Bank to request a waiver of the fee, and was told because I had already had a waiver within the last 12 months, the late fee could not be waived. I followed this up with a letter dated XX/XX/ to Synchrony Bank ( XXXX XXXX XXXX XXXXXXXX, XXXX, PA XXXX ). My dispute is/ was not about paying a reasonable late fee, but the amount of {$41.00} ( which equates to slightly more than 85 %!!! of the {$48.00} monthly installment. In the letter, I cited the ludicrousness of the amount of the late fee in relation to the monthly installment, told them if they did not adjust the late fee to a reasonable amount ( 5 %, {$5.00}, or? ), I would never do business with Rooms to Go again, or any other retailer associated with Synchrony Bank, and if they did not satisfactorily adjust the late fee, I would file a complaint ( with CFPB ). I received a letter dated XXXX XXXX XXXX  ( from the bank 's Customer Service Department ) citing my account history & in the interest of good customer relations, that they were crediting my account for the {$41.00}. However, their XXXX UT based collection " arm, affiliate '' or whatever, has been calling me daily in the range of XXXX to XXXXXXXX XXXX I returned the call today and cited the 5-17 bank letter. The representative stated that because I didn't pay the {$89.00} total by XX/XX/XXXX ( I paid the regular {$48.00} ), that the {$41.00} amount remains, and is due by XX/XX/XXXX. Essentially, this makes ZERO sense, because their system is strictly geared to dates and algorithms, thus creating a self-perpetuating, and now erroneous late fee of {$41.00}. PLEASE RECOGNIZE AND / OR EXPLAIN THIS TO THE APPROPRIATE PARTY / DEPARTMENT ( S ) WITHIN SYNCHRONY BANK. I will be paying JUST the regular {$48.00} payment on or before XXXX XXXX XXXX and ensuing payments by the XXXX of each month.
Product: Credit card

Re : Final Notice of Noncompliance Unauthorized Consumer Reporting, Willful Neglect, and Demand for Removal of Inaccurate Tradeline Information To Whom It May Concern : This notice is concerning the ongoing matter of your company 's willful neglect and continued noncompliance regarding the unauthorized and inaccurate reporting of my private source data to consumer reporting agencies. Despite repeated notifications and opportunities to rectify this situation, your company has failed to remedy the inaccuracy and incompleteness of the information in question. Further, your actions lack a permissible purpose under the Fair Credit Reporting Act ( FCRA ), resulting in significant and continuous harm, including defamation, breach of privacy, and financial injury. 

To date, all administrative remedies have been exhausted, and your company 's failure to respond appropriately leaves me with no option but to pursue alternative measures. 

Accordingly, if the inaccurate tradeline and unauthorized information are not promptly removed from my consumer report within XXXX ( XXXX ) days from the date of this notice, I will proceed as follows : Filing of IRS Form XXXX : I will initiate the process of filing a Form XXXX with the Internal Revenue Service ( IRS XXXX XXXX requesting XXXX discharge of any alleged debt related to the unauthorized tradeline reporting, as such debt, if any, is invalid and has caused me undue harm. 

IRS XXXX XXXX : I will also submit a demand for an audit of the relevant account to the IRS to determine the legitimacy of your company 's actions and compliance with federal regulations concerning the handling of consumer data and permissible reporting practices. 

Filing of IRS Form XXXX : A formal IRS Form XXXX ( Information Referral ) will be submitted, highlighting potential tax law violations by your company in relation to the unauthorized use and dissemination of private source data without a permissible purpose, unjustly enriching your company at my expense. This filing will include an attached fee schedule for each documented violation. 

I remain prepared to take all necessary steps to protect my rights, including pursuing legal action for damages resulting from your continued failure to comply with applicable laws. Should I not receive immediate confirmation of the removal of the inaccurate tradeline and related information, I will proceed accordingly without further notice. 

Please consider this your final opportunity to correct this issue and avoid the aforementioned actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 section 604 A Section 2 : Also States a consumer reporting agency can not furnish an account without my written instruction
Product: Credit reporting or other personal consumer reports

I had contacted EXPERIAN and had supplied the info from XXXX XXXX which is where they get the public record info from. They have ignored that the public records no longer exist and said on several occasions that they would do what they wanted. Since I can no longer contact via phone I'm going this route. I just want them to stop playing me and remove them.
Product: Debt collection

I wrote Midland Funding a debt validation letter on XXXX XXXX, 2015 via USPS Certified Mail with Return Receipt ( See Midland Return Receipt Attachment ). I asked Midland Funding to provide written documentation proving that the alleged debt belonged to me. ( Please see XXXX Validation Letter Attachment ). 

I asked Midland Funding to provide the following : -What the money you say I owe is for-Explain and show me how you calculated what you say I owe ; -Provide me with copies of any papers that show I agreed to pay what you say I owe-Provide a verification or copy of any judgment if applicable ; - Identify the original creditor ; -Prove the Statute of Limitations has not expired on this account ; -Show me that you are licensed to collect in my state ; and-Provide me with your license numbers and Registered AgentI received a letter from Midland Funding on XXXX XXXX , 2015 ( the letter is dated XXXX XXXX, 2015 but it was not received until XXXX/XXXX/15 via USPS ) that simply stated that their records showed no inaccuracies ( See Midland Funding Response Attachment ). They did not provide adequate information to prove that the alleged debt belongs to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband and I submitted an application to refinance our home on XX/XX/XXXX. Our loan officer notified me on XX/XX/XXXX that he was unable to get my Equifax score and could not continue with the loan process until he could get it. On XX/XX/XXXX I called Equifax for the first time to resolve this issue because since I wasnt able to retrieve my score or report on their website. Their automated system told me that they couldnt find me after I entered my social, birthday, address number and zip. The line then immediate says goodbye. I emailed customer care, I have called back at least 3 days a week, and I mailed them a dispute with all of my identifying information on XX/XX/XXXX via certified US mail. They received it on the XXXX. On Monday, XX/XX/XXXX someone named XXXX with Equifax customer care returned my email and told me that my case was escalated and someone would contact me by XX/XX/XXXX. No one called or emailed me to resolve this issue. We are at a standstill on our refinance because Equifax will not respond to me.
Product: Credit reporting or other personal consumer reports

in accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2. 
Account name XXXX XXXX XXXX XXXXXXXX, # XXXX 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.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu 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 ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the presence of unauthorized hard inquiries on my credit file. 

The unauthorized inquiries I dispute are as follows : XXXX. XXXX XXXX  - Date of Inquiry : XX/XX/2022 XXXX. XXXX XXXX  - Date of XXXX : XX/XX/2022 XXXX. XXXX - Date of Inquiry : XX/XX/2022 XXXX
Product: Mortgage

I closed on a home on XX/XX/XXXX and paid for home inspection in advance through my realtor with XXXX XXXX realy XXXX XXXX. Inpection found standing water from a leak. I ask that the owner repaired before i closed. The realtor said it was taken care of, i moved in on XX/XX/XXXX and over a few month, i started smelling a odor and smell when i opened my cabinets under the bathroom sink and drain in the shower. I googled a company called crawl pros that come out for a free estimate. They said that i had 8 - 10 inches of water in my crawlspace. I called my realtor and text her to see if the guy that did the inspection went back after the work was done. I finally found his number because she sent me a text that she would contact the owner. 
I ask to see proof that repairs were done. She forwarded me a invoice from the company that sold me the home XXXX  XXXX  XXXX  that looked like fraud with there name on the letterhead and different prices for the repairs and no taxes included. In the state of Washington they are contractor s and can not do the work themselves. The date was on XX/XX/XXXX that XXXX  XXXX  inspected my home and i called safeco insurance and opened a claim on XX/XX/XXXX and called XXXX XXXX XXXX on XX/XX/XXXX or so. One compsny had to drain water and sanitize and XXXX XXXX XXXX sent the plumber. The company And previous owner XXXX XXXX  license was suspended on XX/XX/XXXX I feel like this owner sold me a home and never fixed the repairs and tried to falsify records. I will have to come up with money that i sm not responsible for and i wouldn't never had bought this home if it was in this condition.
Product: Debt collection

I have no idea what this is even about. I have attached the email and the email attachment that was sent to me.
Product: Credit reporting or other personal consumer reports

There is inaccuracy reporting on my Credit report, it shows XXXX missed payments for XXXX XXXX XXXX XXXX, XXXX Missed payments XXXX XXXX, XXXX Missed XXXX XXXX XXXX XXXX, XXXX Missed XXXX XXXX XXXX XXXX. 

I also looked at my accounts and seen accounts that was closed that I never had. These accounts were : XXXX XXXX XXXX closed on XX/XX/XXXX2024, XXXX XXXX XXXX  closed on XXXX XXXX, 2022, XXXX closed XX/XX/XXXX2019, XXXX XXXX XXXX XX/XX/XXXX2023.
Product: Debt collection

On XX/XX/2021 I filed a complaint about the actions of I C system and the fact that they communicated with a relative of mine in regards a debt that they are trying to collect. I also complained that as data furnishers they failed to provide the CRAs with 100 per cent accurate information which was listed on my credit file. These are violations of my rights as a consumer and are very injurious to my financial health. I C System sent me a letter ( see attached ) stating that as a result of my dispute they will cease all communications as well as any collection activity. They did not cease collections. In fact the very letter in which they stated they would cease collections had a request for payment and they are also still reporting this debt to the CRAs. Its my understanding that credit reporting is an attempt to collect a debt or at lease to coerce consumers to pay debt. I C Systems has not kept their word as to their debt collection and continues to violate my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX Acct # XXXX. 15 U.S.C 1681 section 602 A.

States I have the right to privacy. 15 U.S.C Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account with my written instructions.

15 U.S.C 1692C without the prior consent of the consumer given directly to the debt collector or the express permission of a court competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Product: Credit reporting or other personal consumer reports

Consumer Name XXXX XXXX XXXX, Consumer Social Security Number XXXX, Consumer Date of Birth XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EQUIFAX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a collection account opened at XXXX XXXX XXXX on XX/XX/XXXX under account number XXXX, a collection account opened at XXXX on XX/XX/XXXX under the account number XXXX, a credit card account opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

My FICO Score reported on my XXXX  account decreases from XXXX XXXX XXXX without any reason from XX/XX/2022 to XX/XX/2022. 

I call Transunion today XX/XX/2022 to check what happened, and they didn't find anything harmful on my credit report that my affect my credit score that way, the only report was that I applied today for a Credit Card on XXXX XXXXXXXX that got approved, and I applied after I check my FICO score, so this is not a reason. 

The agent told me to get help on this platform.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've tried repeatedly to get a credit report from Equifax. They do not respond, or they say they can not verify me. I've sent in documentation such as a valid Driver 's license, Social security card and utility bill and still no information is given to me.
Product: Debt collection

I saw an update on my XXXX about a debt collector today ( XXXX ) Jefferson capital systems. I had no idea about this debt and never got any notice I called them on XXXX. They could not give me any explanation on to how the debt was acquired and they collected all my information and put me on hold for several minutes and finally said that I will receive a letter in my mail.

I dont understand this and I do not own them any money. They did mention XXXX XXXX  which I do have but I am actively paying my credit card and I have been doing that for the 2 years this account has been opened. I believe this is a fraudulent transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX is appearing on my credit report as delinquent when there is a pending Appeal of this case and no decision has been rendered in this matter, therefore this debt collection agency is falsely reporting a voluntary repossession on my account, while this case is being Appealed currently with the Fourth District Court of Appeals. 

Please see attached documents
Product: Credit reporting, credit repair services, or other personal consumer reports

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

We started the refinancing of our personal residence in XX/XX/2020 and told we have been approved and yet we havent closed yet I have an email chain to show you the detail of our complaint
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an installment account opened at Credit acceptance on XXXXXXXX XXXX This account have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO report I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned account appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft as proof from the US Federal Trade Commission that all of the aforementioned are the result of identity theft and fraud and data breach.