23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

There was a representative from M & T Bank at the closing ; and I have been making mortgage payments to M & T Bank since I closed on the apartment. The HUD-1 ( see attachments XXXX & XXXX ) a copy of which was received from M & T Bank states that {$110000.00} was received as new loan from XXXX and {$7500.00} as XXXX XXXX also from XXXX. These amounts are also stating on other documents received from M & T Bank ( see attachments XXXX & XXXX ). Therefore the total that should have been received from XXXX is {$120000.00} ( {$110000.00} + {$7500.00} ). Instead XXXX provided XXXX checks totaling {$110000.00} ( {$59000.00} + {$58000.00} ). The seller was paid {$59000.00} and the Bank owning the current mortgage on the property was paid {$58000.00} ( see attachment XXXX ). These checks are also mentioned in the letter dated XXXX XXXX, 2016 from XXXX in which it stated that " we are also enclosing copies of the checks from XXXX, which were requested by and provided to your attorney '' ( see attachments XXXX & XXXX ). 

This means that there is a difference of {$8400.00} ( {$120000.00} - {$110000.00} ) before the payment of closing costs. Assuming an average closing costs of {$3000.00} for the purchase of a co-operative - this means XXXX is overstated by {$5400.00} ( {$8400.00} - {$3000.00} ). 

Another way to calculate the overstatement of my mortgage is to use the closing costs documented on the HUD-1 which XXXX stated is the final accounting for my mortgage. The total closing costs on the HUD-1 is {$6000.00}, so clearly there is already a difference of {$2300.00} ( {$8400.00} - {$6000.00} ). The total closing cost of {$6000.00} includes amounts that were never paid and {$2000.00} which was paid by another XXXX. There is a {$300.00} for review of recognition that was never paid and a {$1000.00} for settlement fee that have not been paid. My attorney stated that the {$1000.00} was a bank charge and it had nothing to do with him, however, in the letter dated XXXX XXXX, 2016 from XXXX, it is stated that the {$1000.00} is my closing attorney 's settlement fee and that it was made payable to my closing attorney. This is disturbing ; my attorney said he had nothing to do with this {$1000.00} and XXXX is telling me they paid it to my closing attorney. WHO SHOULD I BELIEVE? 

Therefore, adjusting the closing costs on the HUD-1 this indicates that XXXX mortgage is overstated by at least {$5700.00} [ {$8400.00} - ( {$6000.00} - {$2000.00} - {$300.00} - {$1000.00} ) ].
Product: Mortgage

I did a refinance of my mortgage with Sprout wholesale. It is a conventional loan. The loan was XXXX on XX/XX/2020 and the lender scheduled the closing for XX/XX/2020. Because it is a refinance, they were supposed to fund this loan on XX/XX/2020. As of today XX/XX/2020 at XXXX XXXX they have not funded the loan and what is worst, they are not even telling my mortgage broker when will they fund the loan. I am attaching an email chain between my mortgage broker and them. What will happen if my current lender decides to report me to the credit bureaus because they have not receive my payment from XXXX? 
According to my mortgage broker, Sprout is doing this all over the US, so it seems to be a problem with their credit lines. In the meantime they keep receiving new applications from clients that do not know what is going on with that firm. Avoiding this type of ponzy schemes and protecting the consumer, isn't what the CFPB is for? 
Please help, it is not right for a financial firm to behave like this and do not correspond with their clients.
Product: Credit card or prepaid card

Bank of America closed my accounts, they made a auto payment even after I stopped all auto payments on a checking account that was closed that resulted in reversed payment and as soon as they contacted me I went to my checking account and made the payment, I was never late on any payment and they closed all three accounts that will now have interest rates at 23 % when I had a zero interest rate
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are requir
ed to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please CORRECT the accounts, or inaccurate information, from my file immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

They start at XXXX call during every hour first they call XXXX husband then they call XXXX me. Every call is from a different location ( however when call is made first to one number then the next same location ). Messages left maybe 50 % of the time.
Product: Debt collection

XX/XX/XXXX I received an alert from credit monitoring service that a new collection is reporting and my score dropped XXXX points. Upon investigation Jefferson Capital Systems LLC is reporting a debt of {$340.00}. I don't know this company nor do I owe this company. This is the same debt I reported to CFPB back in XX/XX/XXXX that collection agency agreed to have removed from the credit bureau. I am an elderly XXXX person who spent the most of my morning talking with Jefferson Capital about an alleged debt from over 7 years ago. They could not provide me a copy of the bill nor could they even verify if any notices sent out to me before reporting to credit bureau. Their response to me is to call them back? I requested XXXX phone number and they stated not to call XXXX because it is not their bill it is Jefferson 's now. I am so confused.
Product: Consumer Loan

I took out a loan from XXXX XXXX, through Synchronicity Bank. It was supposed to be no interest and no payments for 6 months. They incorrectly reported it late on my credit. They said they would remove it, but it 's still not off and is causing me issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

I already filed a very specific complaint. Experian did nothing.     They sent a proforma reply proving they did not even read the complaint. I have a VERY specific complaint. They said they had no specifics. Here are the specifics, again.     Their  credit score  for me shows : " Open real estate account balances are too high compared to their loan amounts '' This is a quote. It is very specific. Here is my specific reply. I have NO real estate balances!! None. Not a single  XXXX . I have not had any real estate loans since last  XXXX ! It 's  XXXX .     I do not understand why CFPB accepts this kind of reply from Experian. They clearly did not investigate my very specific complaint. They did not even read it to see if there were any specifics.     Very frustrating that credit agencies can operate with complete indifference and impunity and get away with it. They should be fined for this. Thanks.
Product: Debt collection

XXXX   XXXX  while I was in my   XXXX   XXXX   XXXX   XXXX  l I had to go to the hospital to get some   XXXX   XXXX   done for my  XXXX . My dad had paid all dues and bills and there was no issue. On the mistake of   XXXX   XXXX   themselves they charged my me with the bill of {$190.00} that had been paid, being in   XXXX   I  didnt know what a credit report was so I never checked it. Later in  XXXX  after I had entered the military it  was found that I had a collection from   XXXX   XXXX   in NY for {$190.00} still. My dad and I both called and the issue was fixed and the balance was cleared up and they sent letters to the TEK-COLLECT to close the collections account.  XXXX  at  TEK COLLECT said he m ailed letters to the credit companies saying it was cleared up. It never was till I called him months later, this time only   XXXX   was fixed. Here I am now almost 3 years later and I was just denied from a   XXXX   XXXX   on behalf of the companies not doing their  XXXX  job.  XXXX  did not send out the letters apparently to  XXXX  or  XXXX . Today I called  XXXX  and spoke to their rep and she said they mailed letters and would send some out today as well  XXXX / XXXX / XXXX . She assured me it was fixed on their end. So  XXXX  at  TEK COLLECT possibly have  ruined my career because of them being incompetent in their job.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau ( CFPB ) regarding a violation of the Fair Credit Reporting Act ( FCRA ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Complaint Regarding Violation of the Fair Credit Reporting Act Dear CFPB, I am writing to formally submit a complaint regarding a violation of the Fair Credit Reporting Act ( FCRA ) by Equifax, Credit Reporting Agency. 

On XX/XX/year> I obtained a copy of my consumer report and discovered that it contains inaccurate information regarding transactions that's listed on my consumer report with a XXXX check mark, and XXXX XXXX many jurisdictions, it's illegal for consumer reporting agencies to include certain types of payment transaction information in consumer reports. The Fair Credit Reporting Act ( FCRA ) in the United States, for example, regulates how consumer information can be collected and reported. It generally prohibits the reporting of information that is not relevant to creditworthiness, such as certain payment transactions. 


I have attempted to resolve this issue directly with Equifax Reporting Agency. I have been disputing for 6 straight months and Equifax refuses to cooperate with me about this matter. However, my efforts have not resulted in a satisfactory resolution. 

I am requesting that the CFPB investigate this matter, as I believe it is crucial to ensure consumer protection and compliance with the FCRA. Attached are copies of my consumer report, correspondence with the reporting agency, and any other relevant documentation that supports my complaint. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

The XXXX I originally signed up for were not at all what I received and misguided
Product: Debt collection

I have contacted CMRE to get a statment of my account at least 6 times. I have continued to make more than the agreed payment monthly but they have still not sent me a statement of my account showing payments or that they have been paid in full. I have no way of knowing what my current balance is if they do n't give me a statement with the interst calculation or the payments recieved. I have not recieved a statement since XXXX.
Product: Debt or credit management

I enrolled with the debt solution company Level One Law in XX/XX/XXXX. They stated and was going to help me with my high credit card balances with the credit card companies.They informed me that they will work with the various credit card companies I enrolled in this program. The use the company XXXX XXXX to managed my funds deposited every month into this account. In total they received from me since XXXX, XXXX {$4800.00}. XXXX. The were taken approximately {$980.00} per month.I since requested a full refund as of XX/XX/XXXX. I informed them I wanted to opt out of this program and wanted my funds returned to me ( As I am able to do as per the contract I signed ) This request went to them back in XX/XX/XXXX. I am still awaited a refunded of my deposited monies from the XXXX XXXX account. Level One Law contacted About XXXX weeks ago Level One Law contacted and stated my refund will take place in about XXXX weeks. Please reach out to them and seek a follow up with my complaint. Thank you.
Product: Debt collection

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 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.

The following Accounts : Original Creditor : XXXX XXXX Caine and Weiner company Balance : {$860.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit Bureaus never did a proper " Investigation '' According to the FCRA. 

The term Investigative consumer report " means a consumer report or portion thereof in which information on a consumer 's character general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They did not do this Also, they have VIOLATED MY RIGHTS EVEN MORE In accordance with the FCRA And Congress Everything has to be 100 % accurate on my credit report. 

The credit Bureaus stated my accounts was properly verified by FCRA method they took, but how is that possible if the OPEN DATE, BALANCE, HIGH CREDIT LIMIT, CREDIT LIMIT, DATE LAST REPORTED, DATE LAST ACTIVE is different with each Credit Bureaus Which mean Creditor is reporting inaccurate information to each Credit Bureaus. Or is the Credit Bureaus Reporting or furnishing whatever they choose. Moreover, whichever one of the two are still a Violation against MY Right and against the Law that CONGRESS HAS IMPLEMENTED. 

THIS IS A VIOLATION CAUSING ME DAMNAGES TO DEAL WITH ADVERSE REACTION IF I APPLY FOR CREDIT, HIGHER PREMIUMS, THIS IS NEGILENCES GROSS NEGILENCES AT THAT. MONETARY RELIEF AND DELETION IS WHAT I AM REQUESTING. XXXX FOR EACH VIOLATION. 

THEY ALSO VIOLATED THE LAW CONGRESS SET IN PLACE TO HELP CONSUMER BUT BIG COMPANIES ARE BREAKING THE LAW. 

15USC 1681 SECTION 602A STATES I HAVE THE RIGHT TO PRIVACY! 

15USC 1681 604A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH An ACCOUNT IWTH MY WRIITTEN INSTRUCTION. PLEASE FURNISH DOCUMENTs WHERE I HAVE GIVEN WRITTEN INSTRUCITON. IN WHICH I DID NOT BELOW.
Product: Credit reporting or other personal consumer reports

Dear Equifax I am writing to formally dispute several items on my credit report that violate my federally protected consumer rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. Upon reviewing my Experian credit report dated XX/XX/year>, I found that the following accounts include inaccurate or incomplete information : XXXX XXXX XXXX XXXX : Account # XXXX XXXX XXXXXXXX : Account # XXXX XXXX  XXXX : Account # XXXX XXXX XXXX XXXX  : Account # XXXX XXXX XXXX : Account # XXXX XXXX XXXX XXXX : Account # XXXX XXXX XXXX act # XXXX According to 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of the information included in consumer reports. The accounts listed above do not meet this standard, as the information is either incomplete or inaccurate.

Furthermore, under 15 U.S.C. 1681i ( a ) ( 5 ), if any information disputed by a consumer is found to be inaccurate, incomplete, or unverifiable during a reinvestigation, the credit bureau must : 1. Promptly delete or modify the inaccurate information, as appropriate.

2. Notify the furnisher of the information that it has been modified or deleted.

Additionally, under 15 U.S.C. 1681s-2 ( a ), furnishers of information are prohibited from reporting information they know or have reasonable cause to believe is inaccurate. By reporting and maintaining these accounts, the furnishers and the credit bureau may have violated my rights under this section.

I request that you investigate the accuracy of the above-listed accounts and take appropriate action, including : 1. Deleting or correcting any information that is found to be inaccurate, incomplete, or unverifiable.

2. Notifying me of the results of your investigation, as required under 15 U.S.C. 1681i ( a ) ( 6 ).

I have enclosed a copy of my credit report with the disputed accounts highlighted, as well as any supporting documentation to assist in your investigation.

Please note that I expect a response within the legally mandated timeline of 30 days, as outlined in the FCRA. Failure to comply with these requirements may result in further action to protect my rights.

Thank you for your prompt attention to this matter. I look forward to your response and resolution of these issues.

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

I need your help addressing an incorrect account on my credit report. This issue has harmed my reputation, and I require your immediate assistance. Your mistakes have caused great distress, and its crucial that you fix them so I can focus on my family.
Product: Checking or savings account

Citibank never credit the bonus I should get as they advertised and lying through their teeth by Citigold account rep and the branch manager. 

XX/XX/XXXX, Citibank had an online advertisement saying " For a limited time, new or existing Citi Priority or Citigold customers can earn up to a $ XXXX- {$700.00} cash bonus. To enroll, simply speak to a representative at your local Citibank branch or call XXXX ''. 

XX/XX/XXXX, I enrolled in this promotion with a representative named XXXX. 

XX/XX/XXXX, {$25000.00} was transferred from XXXX XXXX XXXX to my Citibank 's Saving Plus account and the fund is shown at Citibank on XX/XX/XXXX. 

XX/XX/XXXX, after 4 and half month of deposit, Citibank didn't credit the bonus. I called and spoke to XXXX ( who did not want to give me his last name ), questioned the cash bonus. He wasn't able and not willing to provide any help. 

At beginning of XX/XX/XXXX, I spoke to Citigold Relationship Manager XXXX XXXX, he insisted I have to sign the " Citigold Team Engagement Terms '' form, even though he acknowledged that this form has nothing to do with the cash bonus, but I signed the form anyway. 

With numerous attempt try to get this resolved with XXXX XXXX, but all he did was telling me that he would look into it. He didn't do anything and never returned any of my calls. 

XX/XX/XXXX, I called XXXX again and was luck enough he answered phone. He told me that he was going to speak to his manager and would get right back to me, bu again he never did. 

XX/XX/XXXX, I escalated this to the branch manager XXXX XXXX, She promised she'll look into this and give me an update in two days. 

But she didn't and never provided me any update. I made repeated inquires on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, all she did was telling me that she would look into it. But she never did anything, never provided any update or any resolution. 

More than 13 month after the deposit was made and the repeated requests to have this rectified, Citigold account rep and branch manager refused to take corrective action. This was not just only a deliberate false advertisement and deceptive business practice, it also demonstrated Citibank 's customer service 's culture which is full of lying and deceiving. 

As a Citibank customer for more than 3 decades, I should deserve an explanation from Citibank management team, why Citibank breach their promise and refuse to credit the bonus they advertised? Why the Citigold account rep and the branch manager keep lying to their customer.
Product: Credit card or prepaid card

I applied for a credit card from Total Visa through the XXXX XXXX XXXX  and I have experienced deceptive practices from the payment processing department. On two different occasions I made a payment on my credit card bill and my bank shows the money left my bank account into theirs but it never showed they received it on my account. I suspected fraud the first time with a {$30.00} payment so I didnt really dispute it because I didnt understand and the amount wasnt that high. On XX/XX/2023 I made another payment for {$100.00} to Total Visa via their online app again from my checking account and the payment hasnt posted on my account and Total Visa states they havent received any payment from me. I need their shady actions investigated because as I see it theres a pattern of deception somewhere on their part.
Product: Debt collection

Due to the fact that my Identity was stolen a fraudulent account was opened up with Barclays. I have a police and FTC report in regards to being a victim of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to fix a collections account with XXXX in the amount of {$990.00} I have written letters to both XXXX And the 3 credit bureaus. They are reporting an amount I owe as {$990.00} for an account that was open fraudulently, I never received any foods or services from this company. When I received the first original letter back on 2018 the amount was for {$490.00} and now it is reported for {$990.00}. I have asked for paperwork showing my signature where I actually purchased anything and they have not been able to produce such paperwork. I have asked for it to be removed but keep getting its being reported correctly. It is not l, this account was opened fraudulently and is not mine. I would like it removed from my credit report.
Product: Credit reporting or other personal consumer reports

My credit information was a part of a data breach and my information has been compromised.
Product: Credit reporting, credit repair services, or other personal consumer reports

I dont know the exact time. they wont give me any information because the ssn dosent match what i gave them. Its not mines. I never received a car loan. I suffer from XXXX and XXXX its hard to focus and deal with this situation. Its not my loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX **Not authorized to run credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX*Not authorized to run credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX **Not authorized to run credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX*Not authorized to run credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX **Not authorized to run credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX **Not authorized to run credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX **Not authorized to run credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX **Not authorized to run credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX **Not authorized to run credit