23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I started working with Summit Funding in XX/XX/2022. My credit is in good standing. I have not debt and a credit score of XXXX. Over the course of the relationship, I was not thoroughly explained the process. I began receiving closing documents closer to the closing of my home. On several occasion I questioned the validity of the documents due to inconsistent numbers. When the broker did review the documents, he did not say I would have to pay down points to get my current interest rate of 6.25 %. I was intentionally omitted. 

The day I sign the closing documents I was presented with a document that was entitled Discount Point Disclosure Fee. I was being asked to acknowledge that I bought down points to obtain the rate of 6.25 %. When I refused to sign the form, the company faxed another form with a different rate. The company was now saying that I bought the rate down not form 8.125 % but from 7.5 %. Despite the change in interest rates the cost owed to Summit Funding did not change. It was obvious that the practice was not associate with any real interest rate change. It was a way for the company to double their closing cost fees. 

When the company manager provided an explanation, he advised me it was explained by my loan manager. The closing disclosure stated I would pay Loan Amount ( Points ) at a cost of {$6700.00} ( 1.352 % ). He continued, We are a lender not a broker ( or vis versa ). That is the fee. Again, that is not correct. I was never told that I need to buy down my interest rate. The loan representative discussed a shop lock program on XX/XX/2022, however, I never signed or sent the money requested to hold the rate. 

I looked up Summit funding their website states there closing cost are approximately {$7200.00}. I paid approximately {$13000.00}! The company inflated my interest rate to double my fees. The loan manager skimmed over the closing documents. I did not receive preclosing meeting in accordance to rules and regulations as I was seeing documents for the first time at my closing. I felt pressure to sign the documents in order to not lose the home. 

This company is a predatory lender. Tax domement I received do not reflect the full amount of the closing costs that were paid only the points. I have attached 1. The disclosure forms. Showing the points paid and the additional closing costs. 2. The tax forms that sho
w only the points paid and do not address any additional costs 3. Both Discount Point Fee Disclosure forms. One for 8.125 % and the other 7.5 %. Both documents were sent the day of my closing. I refused to sign. 
4. The Equal Opportunity Notice form signed the day after my closing that indicates the summit representative did not review documents prior to the day of signing. The discount point fee disclosure documents that I refused to sign were not included in the document that I received from the title ( underwriting ) company.
Product: Checking or savings account

Someone logged into my SoFi Money account and transferred {$5000.00} to individuals that I have never heard of. This was done in one day, not by me, over the course of XXXX transactions on XX/XX/2022. I was just denied my claim by SoFi and told I am out the {$5000.00} because they " couldn't establish that someone else had accessed my account. '' I want my {$5000.00} back as this are clearly fraudulent withdrawals by someone posing to be me. Their only suggestion was that I contact credit bureau to prevent this from happening with other institutions. I will now have to borrow {$5000.00} from elsewhere to pay back a SoFi loan that I was using the SoFi Money account to pay back. Clearly this " online '' bank doesn't have very good fraud detection. Other banks I work with would have sent me a notice of potential fraud well before this amount of money was taken from me.
Product: Bank account or service

I have had a longtime good relationship with USBank XXXX! I was XXXX while working On the Election Capagins XXXX in the XXXX XXXX XXXX XXXX. I had purchased a new Volkswagen Jetta Flex Fuel through XXXX XXXX in XXXX. I got the financing with XXXX XXXX and the XXXX. I got several XXXX XXXX Law Forms to help me get successful resolution of the insured debt and personal injury. US Bank did not have to pay off the accident. I am heavily insured and had a XXXX credit score. There was a change in management at US Bank. The new head is XXXX XXXX. I invested my settlement in a XXXX XXXX and a University XXXX XXXX XXXX. Employees at USBank and XXXX credit cards literally stole the monthly payment from XXXX of the Financial Institution with the highest ratings XXXX and America? While would USBank employees steal from XXXX XXXX. Fire the head of USBank XXXX XXXX and replace him with a more qualified woman president! Fir give my minor USBank credit card debt?
Product: Debt collection

I XXXX XXXX am formally disputing any and all debts that SOUTHWEST CREDIT SYSTEM say I owe. Under the Fair Debt Collection Practices Act ( FDCPA ) 15 U S C 1692g, I am exercising my right to request full validation of thiss alleged debt. Untill proper validation is provided, I do nott acknowledge or assume any responsibility for this debt..

Pursuant to my rights under 15 U S C 1692g, I am requestingg the following : 1. Complete validation of the alleged debt, including a detailedd breakdown of the amount owedd, the name of the original credittor, and any relevant account details.

2. The original purchase agreement between SOUTHWEST CREDIT SYSTEM the original creditor, proving legal authority to collect this debt.

3. Proof that SOUTHWEST CREDIT SYSTEM is licensed and bonded to collect debts in my state Pennsylvania. I expect copiess of the current licensee and bonding information. 

SOUTHWEST CREDIT SYSTEM has failed to provide the required validation information before placing this account on my consumer report, violating : 12 CFR 1006.34 ( b ) ( 5 ) Collection agencies must provide validation information before reporting a debt to a consumer reporting agency.

12 CFR 1006.34 ( c ) ( 4 ) ( i ) Consumers must be given the opportunity to dispute the account before it is furnished to consumer reporting agencies.

Becausee of thesee violationss, SOUTHWEST CREDIT SYSTEM has no legal authority to collectt or report this debt.
Product: Credit reporting or other personal consumer reports

Experian- as part of organized criminal activity which has put me in imminent fear of my life- is saying someone else has a lien on my car when I own my car free and clear and have the title. Experian believes they are legally allowed to try to steal other peoples cars by felony forgery like wannabe XXXX - because they think they are of the right race - and police suspect only the XXXX and XXXX of car theft. This is wrong. Attempted auto theft and forgery of titles is wrong- and must be punished severely - probably by jail time. My car is a XXXX XXXX XXXX XXXXXXXX and I physically have the XXXX XXXX title. Its my car- and I will never let anyone attempt to steal it.
Product: Credit reporting or other personal consumer reports

I am writing this complaint against Equifax Inc. Credit bureau . I have been dealing with them to unfreeze my credit report since late XXXX. I have attempted many times to prove my identity through mail with a copy of my valid drivers license, social Security card, and a written statement, and I have also used their document verification links with no success. I dont remember the date I first faxed my information to them to prove my identity nor the second time I have mailed them but the dates I have mailed them through certified mail with the united states postal service are XX/XX/XXXX and XX/XX/XXXX. The dates for their document verification links for identity verification is XX/XX/XXXX and XX/XX/XXXX. I have called numerous amounts of times with no success and was even hung up on before. Thank you for reviewing my complaint!
Product: Credit card or prepaid card

Re : Request for Reasonable Accommodation I have two credit cards with Citibank. 

I am a person with a XXXX as defined under the Americans and Disabilities Act and the Fair Housing Act. My reasonable accommodation request is that Citibank remove an account in my name from collections and eliminate the balance and remove all credit bureau negative reporting. 

I have documentation regarding my XXXX.
Product: Checking or savings account

On XX/XX/2022 I received a phone call from the Wells Fargo Small Business number. I was asked about a potentially fraudulent transaction made in XXXX, FL. I confirmed that I was not traveling and that this transaction was indeed fraud. I was asked by the fraud rep to provide a verification code sent to my phone via text. I provided the Rep with the number. After seeing that the code was not supposed to be asked by a Wells Fargo employee, I hung up and called Wells Fargo fraud support. The call was performed by Caller ID Spoofing and the hacker gained access to my account and wired {$16.00}, XXXX to his XXXX XXXX XXXX account. Wells Fargo claims they tried to recall the money but were unsuccessful. They closed the claim with no follow-up call of acknowledgment to me. And told me I am out of luck. I am left to fight this case with concerns on the following items. 

1. I called Wells Fargo within 5 minutes of the incident.

2. There were no security measures made in concerns to the foreign phone and IP address.

3. No call about suspicious depletion of my account to 0 dollars.

4. No follow-up call regarding the case ( as promised ) 5. No follow-up call regarding the XXXX XXXX  XXXX recall status ( as promised ) 6. I am left to believe that this may have been an inside job by a Wells Fargo employee.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been speaking to different representatives for over 2 month because of fraudulent inquires on my credit report and they refuse to delete the inquires off of my report because they don't belong to me. I have been going through this for the longest and it is a shame that you have to go through so much just for something that they allowed to happen to your report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried contacting XXXX, XXXX, and Experian about a closed account that was settled by me and the creditor. I paid it in full and it is still showing up on my credit report and is negatively impacting my credit score. The account in question is with XXXX XXXX XXXX XXXX. It was a secured card that had a balance of {$29.00} and was paid in full on XX/XX/23. Being that I have paid this account in full and have settled it I am asking that it be removed from my report because it is adversely effecting my credit report.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the XXXX. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

To Whom It XXXX Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022, I was contacted on my cell phone by an automated call XXXX ( XXXX ) XXXX identifying themselves as Chase Fraud. The auto call asked if I had authorized a purchase at XXXX XXXX for {$310.00} with my debit card. I answered no and a person got on the line and asked again about the {$310.00} and gave me the last 4 digits of my debit card. I again told him no. He then said he would cancel the debit card and issue a new one. Then he asked if I authorized a XXXX transfer in the amount of {$5000.00} to XXXX. I told him I didn't even know what a XXXX transfer was and that I did not authorize it. He said I would need to go in through my Chase mobile app to reverse the transaction. I told him I did not know how to use the mobile app. So he said all I needed to do was reverse it and send it back to myself. He told me how to go into the app, put my name in and the amount of XXXX and it would reverse back to my account. So I did. He knew how much I had in the account somehow. He then said there was another transfer pending for {$3600.00} but that they would call back the next day to reverse it. He assured me they would investigate and let me know. He called back the next day XXXX. XXXX and walked me through the same process. At the time, I was not aware of the XXXX feature and had never used it in any banking transactions. I never knew this feature was attached to my bank account app and never asked for the feature. They also had my business email ( XXXX ) inserted into the personal data on my mobile app. The mobile app had been manipulated and set up by this criminal to transfer the money to him. The only email I gave Chase when I opened the account was my personal email. I never gave Chase my business email. Chase has refused our claim and to insure our money and will not tell me what bank the transfers were sent to even though they know. XXXX has denied our claim and will not refund our money. In fact, XXXX denied working with Chase and says that the XXXX used for these transactions was thru another private XXXX entity.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has been put on notice that they are reporting inaccurate late payments on my consumer report for XXXX XXXX XXXX XXXX and still hasnt update this information. I have requested proof of late payments to show the fees and actually dates of payment which They should have from investigation which I never got, and recently Ive provided my statements from XX/XX/2021 and XX/XX/2021 to show their error. As a furnished of information it is their duty to make sure the information is being reported is 100 % accurate. If Experian really did conduct an investigation this information should have been updated. With their noncompliance its negatively affecting my life even though by law they can not furnish information with actual first hand knowledge of errors that provided but still continues to do so. 

Attached is my statement showing I wasnt late along with proof of identity and address
Product: Mortgage

Around early  XXXX  I applied for a loan modification and on  XXXX   XXXX ,  2017 ,  Ocwen  sent an inspector to  XXXX   XXXX   XXXX ,  XXXX ,   XXXX    XXXX , which they knew to be occupied by a tenant because I sent and they acknowledged possession of the rental lease for  XXXX   XXXX   XXXX ,  XXXX ,   XXXX    XXXX . They falsely informed the renter that the property is in foreclosure and attempted to change the locks. I called them and their manager "  XXXX , '' without accessing my case file, told me that the tenant and property  manager may  just have misunderstand what the inspector said. Clearly this is an automatic response for such actions.   The tenant is understandably extremely upset and if the loan modification application is not viable, they have deprived me of the opportunity of simply give the tenant ordinary notice. Their callous actions and refusal to accept any responsibility or to state that they will stop their actions show a complete lack of concern for the people affected by this situation. If they are doing this to me, they are doing this to others as well. The home is not even in foreclosure status.  Ocwen  's solution was that I send an inquiry to their research department which I have done.
Product: Debt collection

Nelson Cruz & Associates, a collection agency continue to wrongly call " my number '' and leave messages for another person. They use in-state id 's when calling to confuse. A XXXX called on XX/XX/2022 at XXXX am. A XXXX called and left a message on XX/XX/2022 at XXXX pm. XXXX XXXX called and left a message on XX/XX/2022 at XXXX & XXXX pm. These were all calls for a " XXXX XXXX ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

We are working with XXXX XXXX t refinance, and have gone through the closing process all ready ( XX/XX/XXXX ). We have turned in lots of paperwork as to the temporary hold on my wife 's job, the employer guaranteeing work to resume with no loss of hours or income ( signed statements on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). I also qualify for this mortgage simply on my own income. 

Today ( XX/XX/XXXX ) I received this message : We have encountered a crossroads in the way business is being done VS. Should be done. United wholesale Mortgage has issued the following statement about funding your loan : Hi XXXX and XXXX, So management is not allowing loans to fund currently where the borrower is on leave. Things are changing and management is implementing rules for borrowers on leave or deferred compensation. My initial understanding was to treat this as temporary leave but unfortunately, Management overrode my decision to do this and they are not allowing borrowers on leave to move forward with a loan. Again, I apologize for this but things are changing so quickly with borrowers employment so rules are being implemented on the fly. 



Thanks This has put us in an awkward situation because legally they should be funding your loan. We have abided by all their conditional requests ( and then some ) and they still refuse to fund the loan due to an internal rule. We have consulted the real estate attorney that owns XXXX XXXX ( the title company that closed your loan ) and he is in full agreement with us. But unfortunately the only way this company will change its ways is if consumers start complaining. '' I would like to file a formal complaint against United wholesale Mortgage as this is costing me lots of money for something that should not be held up and they simply shouldnt be able to change terms on the fly when we have complied with so many demands that are not normal.
Product: Debt collection

I received a collection letter dated XX/XX/2021, from Allied International Credit Corp., located in XXXX, Virginia, alleging that XXXX referred my account to them for collection of {$120.00} owed on my account ( the XXXX account number they referenced isnt even close to an actual XXXX account number ). I contacted XXXX customer service and they verified that I do not owe XXXX ANYTHING. XXXX advised that this is likely fraudulent and asked that I send a copy of this letter to their Fraud Department, as well as filing a complaint with the Attorney General in Utah and Virginia, and the XXXX XXXX XXXX, which I have done. ( There are hundred of similar complaints about this company on the XXXX  webssite. ) This company also apparently has an address in XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, ON XXXX ).
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX XXXX XXXX XXXXXXXX XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX  XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXXXXXX XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX  XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX  - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXXXXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX  XXXX XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX - DATE OPENED XX/XX/XXXX
Product: Debt collection

I have not been contacted by this de bt collection agency, but apparently they were able to contact IRS/  XXXX    to collect my tax refund. It seems absolutely absurd that no notification or attempts to collect a debt ( that I did n't know about ) could be just taken from me. I tried to call the company, received several calls from different numbers, only one left a message. Every number called has numerous reports of fraud. I would have been making payments on these had I known about them as I am making payments on all of the student loans that I thought that I have )
Product: Money transfer, virtual currency, or money service

I wired {$1000.00} from my XXXX XXXX checking account for a rental apartment to their Wells Fargo business and the person stopped communicating with me after the transfer. I tried to get the funds back and Wells Fargo denied the claim. I am a public school teacher and can not afford to lose {$1000.00} from an illegal fraud transaction - this is the persons banking information I used to wire the money. 

BANK INFORMATION Account Name : XXXX XXXX Bank Name : Wells Fargo Account Number : XXXX Routing Number : XXXX Account Type : BUSINESS CHECKING XXXX XXXX : XXXX Address : XXXX XXXX XXXX XXXXXXXX, XXXX, OR, XXXX, XXXX I can provide all communications - both emails and texts around the transaction.