23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Greetings, It has been a couple of months since we started to get an explanation and straightforward answer to my question. However, we are still waiting for a response to that effect. We have attached the tax document we obtained from XXXX XXXX office and the first page of the closing Document to give you an idea of why we were requesting an explanation of how my monthly payment increased from {$1800.00} to {$2500.00} with a monthly increase difference of {$690.00}, which make XXXX 12 months. We also need help understanding that the escrow shortage you have reported amounts to {$5200.00}, which we didn't accept your explanation for, is {$5200.00}, which leaves a {$3000.00} with no description. 

This differs from the original payment agreement we signed when we closed the house. We understand taxes and insurance amounts change, but this change needs to be clarified. Since you took the payment before we agreed and understood, we have deactivated the autopayment I set up. From here on, We will only send the original settlement of {$1800.00} until we settle the issue. Please send us the address where we can send the following payment before it is due. 

XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

The credit card guarantees that I won't be held liable for unauthorized or fraudulent charges. But the bank failed to honor a valid credit card claim. I disputed a transaction ( Claim number : XXXX ). The bank has misguided me during the dispute process and failed to properly pursue the dispute even though it is a valid one. The bank informed me that the dispute is closed and it does not want to take any further action to process my valid dispute. The bank has a copy of all the information needed regarding this claim.
Product: Debt collection

XXXX XXXX, I requested information on this debt and I was provided a response. This company is NOT licensed to collect any debt in the state of Colorado.
Product: Credit reporting or other personal consumer reports

I've recently checked my credit report and noticed some inaccurate accounts reporting XXXX XXXX XXXX XXXX XXXX  Filing date XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX  Filing date XXXX XXXXXXXX XXXX XXXX
Product: Mortgage

The company is requiring a " cushion '' in my escrow account, which is causing the payment to be much less affordable. Per RESPA guidelines, the company is allowed to implement a cushion comprised of two months of escrow payments, but they are not required to do so. In order to pay my mortgage without undue strain on my finances, I have respectfully requested Wells Fargo waive the requirement as a courtesy. I was continually lied to on the phone by agents of Wells Fargo, who stated that the cushion was required under the law. I advised them this is incorrect, and that it is an internal business decision to require the cushion. My call was escalated to an escalation team, and after speaking with an agent named XXXX, was advised after no contact for two weeks that they flatly denied my request, providing no other reasoning other beyond " other servicers may have different requirements but Wells Fargo requires the cushion. '' I do not dispute that there was an increase in the amount of my escrow obligation, but the requirement of the " cushion '' is not federally mandated, and it is fully within the ability of the company to waive the cushion in order to better accommodate the needs of one of their customers. I have been nothing but respectful in my interactions with the company, and yet now they leave me out to dry. I need assistance so that I can continue to pay my mortgage. I am a first time homebuyer, but have years of experience in the mortgage industry, and it is shameful the way that Wells Fargo treats their customers, especially in light of their XXXX XXXX dollar settlement due to unfair practices. You'd think they would like to help their customers in order to raise their respectability in the public eye, but it turns out that is not the case.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized hard inquiries i do not recognize
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after their investigation. I would like this item immediately re-investigated. These inaccuracies are highly injurious to my XXXX XXXX The inaccuracies are highly injurious to my XXXX XXXX XXXX XXXX XXXX ACCT NUMBER XXXX ( XX/XX/year> XXXX late ) This company has continued to violated my right in accordance with The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D, Please Provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
The accounts below have violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I looked at my TRANSUNION credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
According to 15 USC 1681s-2 they are supposed to 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 inaccuracy.
Product: Debt collection

Two Adverse accounts with Ad Astra Recovery Services Inc listed with collection agency, One for {$310.00} and the other for {$3200.00}. These accounts negatively affect my credit file with the 3 Bureaus.

XX/XX/2019 -Sent certified letter to request Validation of Debt to Collector XX/XX/2019- company mailed out statements of debt owed, not Validation.

XX/XX/2019- I sent a 2nd certified letter to collector stating " I have previously sent you a request to validate my debt under the Fair Debt Collection Practices Act and all I received was an itemized list of the alleged charges you claim I owe you. This does not meet the Federal Trade Commissions guidelines of what constitutes proper debt validation and also listed case law Spears Vs. Brennan ( IN THE COURT OF APPEALS OF INDIANA, No. 49A02-0003-CV-169 ).

XX/XX/2019-They sent over the same statements failing to validate the debt.
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 USC 1681 Section 602 states that I have the right to privacy.

15 USC 1681 Section 604 states that a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I noticed on XXXX XXXX that Amex had reported my closed account as being late. That same day I contacted Amex and I asked for an explanation and I was told there was a {$1.00} balance on my account which I did not know since I never received my final bill. The agent apologized and stated that Amex would re-age my account and forgive the balance and it would be corrected on my credit reports. 

On XX/XX/XXXX I contacted Amex again since my reports still showed the negative information and was told it was still being worked on and I should wait for 1 to 2 billing cycles. 

To this day the account is still reporting to the credit bureaus as 30 days past due.
Product: Money transfer, virtual currency, or money service

I requested the bank to transfer the funds back but they will not allow me. They said the funds already transferred out and it's my fault that I was not aware I clicked that button. But the button was so messed up because it was right above submit so I was unaware I had clicked that button
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, Experian refused to unlock my security freeze so that I could apply for a large boat loan. I had tried to get them to temporarily release a security freeze that I had placed on my credit report due to a previous problem. I used both telephone and internet methods to obtain the temporary release, but was unsuccessful due to problems on Experian 's end. As a direct result, I was unable to secure a loan from the bank offering the lowest interest rate, and I was forced to take the loan at a 3 % APR higher rate than was necessary. 

On XX/XX/XXXX, I wrote Experian a letter explaining all the details of my problem, and demanded that they inform me what piece of personal information they had in their database that caused my requests ( phone and internet ) to be refused. This letter is available to CFPB and will be attached below. I never received any response to the questions raised in my letter. Instead, under date of XX/XX/XXXX, I was provided with a standard form which contained a temporary personal identification number that my bank could use to obtain a copy of my credit report. Unfortunately, this information was about two months too late, as I had already closed on a loan ( at a higher interest rate ) and purchased the boat in question. Experian has not disclosed to me what piece ( s ) of information caused my request for a temporary release to be declined. Thus, I would encounter the same problem again when I may need a loan.
Product: Bank account or service

On XXXX/XXXX/16 I used Chase " Quick Pay '' to send {$3400.00} to a relative who is also banks with Chase. On XXXX/XXXX/16 Chase deducted second ( duplicate ) {$3400.00} which was never authorized. My relative to whom I send the money called me on XXXX/XXXX/16 to notify me that a second deposit had been made to her account. 
OnXXXX at XXXX I called Chase Private Client Banking in an attempt to rectify the situation. I was told they would contact my private banker and/or branch manager at the XXXX XXXX California ( XXXX XXXX ) to contact me. As of XXXX on XXXX/XXXX/16 no one has contacted me. 
I called the XXXX XXXX number a second time and was transferred to the branch phone line which went to an voice message saying to please call back another time. 
I called XXXX XXXX a third time and was told I need to speak to a debit resolution speciality ( or some title to that effect ). The wait time to speak to said person is in excess of 30-minutes. I am unable to wait on hold that long for them to rectify a debit that was made in error on the part of Chase Bank.
Product: Debt collection

I received a letter via US Postal Service from " Big Picture Loans '' on XXXX XXXX, XXXX stating that 1 ) I borrowed {$1000.00}, and 2 ), I owe {$950.00} in interest. Also states they have sent me multiple notifications regarding delinquent payments. I attached a copy of the letter to this complaint. 

I have never entered any business agreement with them. I have never borrowed money from them. I have not received any prior notifications. This appears to be an official document, and a search of the internet does have them as a payday loan company with various prior names and a very bad reputation. I did not log onto their website for fear of this being a scam and/or a front for infecting my computer with a virus. For the same reasons and based on their lousy reputation I did not contact call them nor send an email. 

Big Picture Loan 's address is : XXXX XXXX XXXX XXXX, MI XXXX Phone number : XXXX email : XXXXXXXXXXXX XXXX URL : www.bigpictureloans.com
Product: Credit reporting, credit repair services, or other personal consumer reports

Please note, this is not a duplicate complainant and I'm not using any tghird party for this matter. I checked my credit report and noticed some inquiries from companies that I did not give consent to access my credit reports ; I am very concerned about all activity going on with my credit reports these days. I immediately demand the removal of these inquiries to avoid any confusion as I DID NOT initiate these inquires or give any form of consent electronically, in person, or over the phone. I am fully aware that without permissible purpose no entity is allowed to pull my credit unless otherwise noted in section 604 of the FTCRA. 
It is my sworn statement that, I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. 
Inquiries that are made by someone else without my authorization is not a factual record of access to my credit file, it is a factual record of fraudulent activity, and it must be addressed as such. The reason that these inquiries are being disputed is because they were not made by me, and when I report this to you, it is your responsibility to investigate my claims, and when you can not prove that these inquiries were made by me, they must be removed from my credit file. It is not my responsibility to go directly to each creditor, the obligation lies at your feet because you are reporting inaccurate information within my credit report, and this violates the FCRA. It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore inaccurate information in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from out of my credit file : XXXX XXXX Inquiry : XXXX XXXX, 2023 ; BANK XXXX XXXX XXXX : XXXX XXXX, 2023 ; XXXX XXXX XXXX XXXX : XXXX XXXX, 2023 ; XXXX XXXXXXXX Inquiry : XXXX XXXX, 2023 Please remove these fraud items from my report as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX, IN XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX , IL XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$6400.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Mortgage

no APR mentioned, deceptive marketing of discounts without full disclosure.discount for closing not available for lower purchase price which prohibits lower income buyers.
Product: Checking or savings account

On Wednesday, XX/XX/XXXX, at XXXXXXXX XXXX, I received an email from Juno informing me that international transfers would be stopped immediately, without any prior notice. Then, on Monday, XX/XX/XXXX, at XXXXXXXX XXXX, another email announced that the 5 % interest on savings accounts would be discontinued as of XX/XX/XXXX. Before I had the chance to move my funds, I received yet another email on Wednesday, XX/XX/XXXX, at XXXX XXXX stating that ACH and other banking services had been halted due to an issue with their banking provider, XXXXXXXX XXXX XXXX XXXX 

These banking services remain inactive, effectively blocking my access to the cash in my Juno account. I feel these actions have been deliberately taken to restrict my access to my funds. Despite the assurance that my funds are FDIC insured, I am unable to access my cash for any of my needs, forcing me to rely on my credit card. 

Furthermore, Juno is not paying the promised interest on the funds locked in my account. Who is responsible for covering the interest charges on my credit cards? I demand reparation in addition to immediate access to my cash. I hope my complaint is heard and that Juno XXXX, along with XXXX and XXXXXXXX XXXX XXXX XXXXXXXX, are held accountable for their actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and TransUnion credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and delete from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my credit file & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section XXXX ( a ) XXXX, Equifax, and XXXX shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

I have attached my FTC report and my Police report that I have filed on my local police department that would testify that I am a victim of Identity Theft.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$17000.00}, XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$4900.00}, and XXXX XXXX XXXX Opened : XX/XX/2016 Balance : {$32000.00}.
Product: Checking or savings account

Subscriptions that were closed XXXX  allowed funds to be drafted Pending funds creating problem with bank account balances Cash app takes withdrawal fees bank fees and an additional fee to withdraw your money form your card
Product: Debt collection

I had a Credit Card with XXXX XXXX XXXX  XXXX. The service was terrible and the interest usurious. I paid the balance in full after a long stay at a medical facility. Human error misplaced the payment as a debit rather than a credit. When they called, I explained this to the representative who fought with me. I stopped communicating and never heard another word. 

Apparently the Credit Card representative could not understand my factual response and the debt was sold to Midland Credit for collection, who hired a XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ) to pursue. I contacted the Law firm, explained the situation and filed a dispute. The attorney promised to inform his client with the paperwork I provided, clearly stating I was correct, but nothing happened and the debt remains under " Collection '' on my credit reports, lowering my FICO score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have always payed my payment early. I have been paying extra payments. So that my loan is payed off. And was considering having more dental work once loan payed off. I have payed a total of XXXX payments for the month of XX/XX/2023. I looked online and it stated Im late for XXXX when i have payed triple payments for XXXX. This needs corrected. This could affect my credit score. I would like to buy my dream home. And this could affect me achieving my goal.