23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I am in the process of refinancing my primary residence - the 1st mortgage owes {$310000.00} and the HELOC owes about {$42000.00} ( limit {$45000.00} ). I am refinancing since my current 1st mortgage is an Interest-Only ARM payment and I want rate stability on a 30 year fixed. Thus, the HELOC would be subordinated in 2nd lien position. My plan is to pay down the current 1st mortgage to {$300000.00} and just subordinate the HELOC. The appraisal recently came in at {$430000.00}, so the LTV is 70 % and the CLTV is 79.6 %. There are 2 major problems that occured in this process of refinancing. First, when I last refinanced in XXXX XXXX, the subordination agreement was misrecorded by Capital One ( the HELOC holder ), referencing the wrong book and page number for the 1st mortgage and Deed of Trust ( 1st mortgage at time was with XXXX XXXX but soon after was transferred to XXXX ). As a result of this misrecording, the Capital One HELOC is erroneously in 1st lien position - as a result of a typo! ( I will attach the stamped subordination agreement from my last refinance in XXXX ). Capital One is not even acknowledging their error or willing to fix the problem! The second problem is that through the refinance process, Capital One is not willing to subordinate in 2nd lien position. They have a guideline that Principal and Interest can not increase on the refinance more than 10 %. They are looking at my current Interest-Only payment of $ XXXXmo and seeing the new Principal/Interest payment of {$1400.00} on the refi and saying there is more than a 10 % increase. My response is that OBVIOUSLY the payment will increase more than 10 % because we 're going from an Interest-only payment to a Principal and Interest payment! But notice here also that their 10 % guideline is not being violated, since the Principal/Interest is not increasing more than 10 % - remember that I have only been making an Interest Only payment. By the way, even if my remaining {$310000.00} on my current 1st mortgage is amortized on the current adjustable rate of 4 % yielding a {$1400.00} PI payment, my 30 year fixed refinance payment of {$1400.00} is actually LOWER in this case. This 10 % rule results in a distorted analysis, failing to account for ARMs and also not factoring into account that some borrowers are only obligated to pay Interest only currently. I honestly do not understand how Capital One believes it will be in a better position by not subordinating. Through the refinance, I will pay the loan balance down to {$300000.00} ( 70 LTV ) on a 30 year FIXED rate of 3.875 %. The resulting Principal and Interest payment is {$1400.00}. Again, even now if the remaining {$310000.00} balance is amortized on the current adjustable rate on my loan of 4 % over 30 years, the PI payment is {$1400.00}. This does not even consider that in XXXX the Interest Only period on my loan will end and the loan will actually be fully amortized over the remaining 20 years, so the payment of course will be much higher than {$1500.00}. ( I will also attach the HUD and the Interest Only Note on my 1st mortgage from XXXX when I refinanced.
Product: Credit reporting or other personal consumer reports

In accordance to the fair reporting act. This creditor has violated my rights. Under 15 U.S.C. 1681 section 602 states I have the right to privacy. Under 15 U.S.C. 1681 section 604 A section 2, also states a consumer reporting agency can not furnish account without my written instructions. Under 15 U.S.C. 1666 B a creditor may not treat a payment on a credit card account under a open and consumer credit plan as late for any purpose.
Product: Credit card or prepaid card

I must file a complaint against Capital One which mishandled my credit card account and caused negative information on my credit report. I am trying to refinance my house and purchase a business, the negativity on my card caused by Capital has put my plans on hold. 

In XX/XX/2019 I found fraudulent activity on my Capital One card, account ending in XXXX. I called Capital One immediately and told them to cancel the account and the card. I paid what I thought was the balance in full. Capital One sent me another card ending in XXXX which I never activated because I no longer wished to do business with Capital One. I believed that the account was closed and was paid in full. 

Earlier this month I was reviewing my credit report and discovered a Capital One Account which was started in XXXX and had been receiving regular payments. This account was not delinquent, but it was not my account. I called Capital One and was told that the fraudulent account was not mine and that they should would remove it from my credit report. At this time they told me that I did have an account ending in XXXX. I protested stating that I closed the account after paying in full. Capital One stated that the account was not canceled but suspended, running up late fees and interest payments. During this I never received any statements from Capital One, prior to my closing the account I was e-mailed by Capital One each month and made all my payments on time. I told Capital One that this was not acceptable, I was willing to pay whatever I owned at the time I closed the account but I was not going to pay late fees and interest payments. I was told by Capital One that they could not remove the interest payments or late fees. Capital One, a few days later, placed four late payments on my credit report, I called Capital One and was told that I had to take it up with the credit reporting agencies. 

So to recap, Capital One fails to close my account, they suspend it, dont tell me they suspended it, stop e-mailing me statements or mailing paper statements, run up months of interest and late fees and dont report it to the credit bureau until I call and inquire about another fraudulent account I discovered on my credit report. 

I only wish to have the late payments removed from my credit report, the account closed and to never do business with Capital One again.
Product: Debt collection

I have received multiple credit collection notices from MRS Associates, XXXX XXXX XXXX, XXXX XXXX, NJ XXXX, XXXX. I have sent a letter indicating that this debt has been dismissed on a final Chap XXXX Bankruptcy in XX/XX/2017, however, they continue to send notices. I have received numerous phone calls from this company and I have either referred them to my attorney and/or have told them to stop harassing me. I have also informed them by phone that this debt has been included in my personal/business bankruptcy. They persist and this has caused me and my family undue XXXX XXXX.I am a XXXX XXXX and have been housebound for the last three months due to a service connected injury. I am suffering from XXXX and XXXX and can't take anymore of this harassment.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. '' Synchrony Bank is a financial institution by definition under that title. 15 USC 1681 section 604a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' Synchrony Bank the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX and XXXX, Synchrony Bank whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless -- the consumer is given an explanation of how the consumer can exercise that nondisclosure option ''. Synchrony Bank Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states " Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information, Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s-2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, upon review of my XXXX  credit report it noticed that CashCall was incorrectly furnishing data to the CRA. My direct action was to dispute the information, as it was not correct ; CashCall 's response was to add to 30 day lates to my credit report which is inaccurate. 

This is an illegal loan, and CashCall was repaid all monies borrowed. I would like this agency to remove all credit reporting from my credit report as they are in violation of Fair Credit Reporting practices.
Product: Debt collection

Received information from a recent update on my credit report of I C SYSTEM placing an unknown collection account on my credit file, to collect an alleged debt that I know nothing about or was made attempted about.
Product: Mortgage

My mortgage loan is currently serviced by Ocwen. Recently they have increased my mortgage payment from {$190.00} to {$880.00} per month. Ocwen claims that the reason for the increase pertains to my escrow account. My yearly taxes are {$2500.00} and home owners insurance is {$600.00}. Therefore my monthly escrow charges should be {$250.00} per month and not {$680.00} per month. On numerous occasions I have requested that Ocwen address the escrow distortion issues via full escrow accounting ledger. Ocwen has refused to comply. Ocwen has recently modified my mortgage loan, but never recorded a permanent loan modification see attached. They have only issued an arbitrary loan modification agreement that lacks interest amortization schedule and truth in lending disclosure ~ see attached. XXXX these disclosures are required per RESPA law. The modification also contains a balloon disclosure of {$43000.00}. Since no specific terms are defined on the principal balance or amortization schedule, I have no idea what amount I am paying over time. Per the attached statement issued by Ocwen, is shows a XXXX waived balance XXXX principal reduction ) of {$22000.00}. However the statement adds the waived amount back into the the total amount due, which distorts the total amount due. Overall I feel cheated on both the principal balance and the escrow account on my mortgage loan. Ocwen has forwarded my file to an attorney 's office, who in turn has issued a notice of default. I do not want to lose my home and I am seeking your assistance on this matter.
Product: Credit reporting or other personal consumer reports

XXXX, Equifax XXXX XXXX ( Review Attached Documents ) Date : XX/XX/XXXX I intend to challenge a dispute with a FTC report for the items listed below as Fraudulent. Please remove all from my credit report. 
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Items listed above, have 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( AN ( 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. 

Remove Following Addresses listed that doesnt belongs to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FCRA Law Statement : If the above accounts can not be verified, they must be removed immediately according to FCRA Section 609 & 611 . If your company fails to comply, you will be required to appear in a court venue. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company.
Product: Mortgage

On XX/XX/XXXX, our monthly payment was {$2500.00}. We made a payment of {$2500.00} on XX/XX/XXXXXXXX M & T Bank received this payment and posted it on XX/XX/XXXX. However, on XX/XX/XXXX, M & T Bank changed the monthly payment amount to {$2600.00}. This change caused our {$2500.00} payment to be moved to the unapplied funds account. 
As of XX/XX/XXXX, the total in the unapplied funds account was {$5100.00}, according to the payment spreadsheet. On XX/XX/XXXX, we made two additional payments that totaled {$75.00} ( {$40.00} and {$35.00} ). This brought the unapplied funds total to {$5200.00}. We intended for this {$5200.00} to be applied to payments for XXXX and XX/XX/XXXX. We have highlighted the partial payments and balances of unapplied funds in pink on the payment spreadsheet. However, the spreadsheet indicates that these allocations were never processed. The monthly statements for XX/XX/XXXX, and XX/XX/XXXX, are in the M & T Zip file. 

The XX/XX/XXXX, statement shows {$2300.00} in unapplied funds. On XX/XX/XXXX, we sent in {$370.00} to M & T to increase the unapplied funds to {$2700.00}. This was intended to cover the XX/XX/XXXX payment of {$2700.00}. However, the Payment spreadsheet indicates that this transaction was never completed. We have highlighted the unapplied funds amounts in pink on the Payment spreadsheet, which reflects the balances noted on the monthly statements dated XX/XX/XXXX, and XX/XX/XXXX. The monthly statements for XX/XX/XXXX, and XX/XX/XXXX, are enclosed in the M & T Zip file.
Product: Credit card or prepaid card

I was charged interest of {$8.00} because I entered the wrong amount when paying by bill. On a {$1400.00} balance I was short {$2.00}, but I was charged interest on the whole balance of XXXX. Thats a .14 % short, yet I was charged interest on 99.86 % the money that they were already paid. If its such a big deal that they have to charge me interest on that, then they should have contacted me saying the need the {$2.00} more. I contacted them and they said they would credit me, but there is no credit to my account. Two different people said I would be credited back, but its still not showing back on my account.
Product: Debt collection

Received a debt collecting letter from TRANSWORLD SYSTEMS INC. for a total of XXXX The letter was addressed to " NONE '' and the only telephone number for the company is a nonworking extension. 

I do n't know what to do about this or what it is even for.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and I have found that in accordance with the FCRA you violated my rights under : 15 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE 15 USC 1681 SECTION 604a SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUTOUT MY WRITTEN INSTRUCTIONS. 

Pursuant to 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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
I NEVER gave you, OR the above-listed creditors any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b . Credit Reporting Agency has caused severe stress and XXXX  due to the abusive and unfair practices. You should be ashamed of yourself for ASSUMING this role and position to constantly commit fraud and cause harm to consumers! These accounts are listed with late or missed payments and that is incorrect. The ABOVE listed ACCOUNT were NEVER late and should be listed as PAYS or PAID AS AGREED.
Product: Money transfer, virtual currency, or money service

I tried making a " peer to peer '' payment to a friend through Moneylion -- Moneylion autopopulated a user, ostensibly from information pulled from my phone 's contacts, and sent through {$75.00}. It turned out not to be my friend, but a total stranger, and now they nor moneylion will do anything to fix this error/misleading suggestion.
Product: Mortgage

We applied for a mortgage through a mortgage broker. When it came time to accept and lock in the rate, the mortgage broker informed us that as a condition on getting the interest rate and terms that we wanted, we were REQUIRED to open an account with the bank offering these terms. This bank is Wells Fargo Bank , NA. 

Normally, in our 30 years of owning a home, we have had our payments automatically deducted from our primary checking account with a bank ( a competitor of WF ) that we already have a relationship. But for Wells Fargo, this set up is not enough. They essentially are coercing us into opening an account and to become a customer in order to get a mortgage. If we do not open the account, we CAN NOT get the mortgage. We can not have the terms that they offered. We can not buy the house. 

We have no intention of opening an account. We can make payments as we have always done it : through our primary account with a competitor. 

WHY is WF forcing us to open an account with them when we do not want to? They are not convenient to us ; they are not near to us. We do not like their banking products, except for the mortgage. Why, as consumers in a free market, should we be forced to open an account. 

This requirement amounts to coercion and tortious interference with business relations. 

This requirement is EXACTLY why the big banks should be broken up. This requirement should be investigate and WF should be estopped from requiring this action as part of offering a mortgage product.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against th
e credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : "
Product: Checking or savings account

On XXXX XXXX I was informed by capital one that I was locked out of an account I had no knowledge of opening.
Product: Credit reporting or other personal consumer reports

As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report. I request that you investigate and remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX Credit Card XXXX XXXX XX/XX/XXXXXXXX XXXX Charge account XXXX XXXX XXXX XXXX XXXX  Credit Card XXXX XXXX XXXX XXXX  Credit Card XXXX XXXX XXXX XXXX XXXX XXXX  Auto Loan XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Individual XXXX XXXX XXXX XXXX XXXX Credit Card XXXX XXXX XXXX XXXX  Credit Card XXXX XXXX XXXX XXXX Credit Card XXXX XXXX XXXX XXXX XXXX Credit Card XXXX XXXX XXXX XX/XX/XXXX {$XXXX} Credit Card XXXX XXXX/XXXX  XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX Bank XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

POLICE REPORT WAS SENT TO ALL XXXX BUREAU 'S VIOLATES HIPPA, CRA AND MY RIGHTS INACCURATE INFORMATION MUST BE REMOVED XXXX POLICE CASE NUMBER XXXX XXXX