23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXXXXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Mortgage

My mortgage lender is claiming I owe considerably more than I believe I actually owe. They can not document the additional charges they claim I owe. I do owe something, but they are grossly overstating the amount. The spreadsheet they provide to document the amount ( s ) due has an arrearage column that makes no sense. 
Additionally on numerous occasions, I have requested the lender to send me copies of the original loan documents with my signature and my husband 's signature to verify amounts due. They can not produce these documents.
Product: Mortgage

I represent a homeowner who has a loan with Carrington Mortgage.  We have had a buyer in contract for over a year now.  Carrington has been reviewing our short sale for that much time as well.  Finally when I thought we would be getting the approval, Carrington closed our file out stating that we did not provide the correct documents that they required for the short sale to be reviewed.  This is absolutely not true.  I did provide them with the Deed of Reconveyance from XXXX for a XXXX lien that was satisfied over 10 years ago.  Carrington wanted a "Release Of Lien" recorded document and not the Deed of Reconveyance document that we provided them from our County Court House.  I spoke to title about this document that Carrington wanted and they told me in the Sate of Washington, we do not provide or do "Release of Lien" recorded documents for that type of lien.  ONLY a Deed of Reconveyance is given to the bank and seller for this satisfaction of lien.  Title even spoke to the supervisor at Carrington about this and told them that there is NO SUCH document when we have the Deed of Reconveyance.  Carrington did not care that even a Title officer telling them that what they already have what is legally needed to satisfy that lien.  They sill refused to work with me or the seller in getting this short sale back active in review and allow this document to satisfy this requirement.  This is absolutely not legal to hold a sellers home hostage and not allow them to exercise their rights to do a short sale when all of the required documentation was provided.
Product: Vehicle loan or lease

Starting XXXX XXXX I sent from XXXX to the IRS to take fiduciary over myself, but no response. I also sent it to the IRS on XXXX XXXX and there was no reponse. I then went to send my power of attorney paperwork in to the dealership and the finance company and there was no response from them as well. So on XXXX XXXX i sent a notice of rescission to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Financial institution, the consumer financial protection bureau, federal trade commission, and the Illinois attorney with no response at all regarding my letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please take notice of my intent to sue. In previous months, I requested the removal of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or response which I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and update my records. Please update the account, which you have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to correct the account listed below XXXX XXXX XXXX  XXXX Late Date XX/XX/20
Product: Money transfer, virtual currency, or money service

Greetings I have a account with Coinbase, IncAddress : XXXX XXXX, CA XXXXPhone : ( XXXX ) XXXX I went to XXXX and received a email from coinbase that my account was closed because I was in a use sanctioned country so when I come home to XXXX I sent them my passport copy and driving licence as proof I have emailed them numerous time without success They tell me to Follow this link to view the status of your case and add additional comments : XXXX XXXX XXXX the only goes to support not to my case could you please assist.
Product: Mortgage

My mortgage was with Wells Fargo. I received an offering from them to refinance my mortgage at a lesser rate. I went through the loan process and was approved. An appraiser was sent to my home and the appraisal was {$370000.00} when we were expecting an appraisal of over {$500000.00}. The home and property was appraised 6 years ago at {$540000.00}. The home and property is in the XXXX XXXX, TX area. The appraiser who did the original appraisal and the questioned appraisal is the same person. She did not remember doing the original appraisal. I asked Wells Fargo to ask the appraiser for a reconsideration appraisal. Wells Fargo led me to believe the appraiser refused. The appraiser would have been willing to do a reconsideration after realizing she had done the original appraisal and the large discrepancy had occurred. I asked Wells Fargo to refund the {$650.00} I paid for the questioned appraisal and they refused. I went to another mortgage broker, had another appraisal by a different appraiser and the appraisal of the home and property was {$530000.00}. I have a new mortgage but feel Wells Fargo did not due diligence in the matter and cost me {$650.00}.
Product: Mortgage

I am writing to contest the additional fees ( {$1500.00} ) being charged by QLMS for my refinance. I feel QLMS totally dropped the ball on this and purposely delayed the closing of this loan to nickel and dime me at the last minute and put me in a corner. 

I reviewed and approved the Closing Disclosure Package ( attached ) sent out on XX/XX/XXXX and was expecting to have this wrapped up shortly thereafter. I was then notified there was an issue regarding a lien that did not even exist as of XX/XX/XXXX as notated in the attached document provided by XXXX XXXX. There was a week of back and forth from QLMS about an issue that was not even real or true. They said they could not close the refi until the issue was resolved which there was no issue to resolve. QLMS clearly dropped the ball on this issue as they received these documents and confirmation directly from the title company and it had nothing to do with me. I was expecting to close on XX/XX/XXXX with funding on XX/XX/XXXX as notated on the closing disclosure provided by QLMS which I reviewed and approved on XX/XX/XXXX. There were some delays, which were of no fault of mine, and then I was told on XX/XX/XXXX that QLMS did not have the correct Payoff Statement from my current lender. Again, no fault of my own and clearly QLMS dropped the ball on this. Now QLMS is trying to charge me, XXXX {$1500.00} XXXX as noted on the attached Redisclosure Package XXXX XX/XX/XXXX XXXX, for their mistakes and lack of professionalism. This totally unacceptable and clearly part of their process in hopes of cheating potential clients for a few dollars more. I feel they are in violation of the law with these bait and switch tactics. 

In addition, I was told to not make my payment to my current lender since funding was supposed to be on XX/XX/XXXX. Now, it is XX/XX/XXXX and QLMS is no where near completing this refi and I am now late for my XXXX payment. I will have an additional expense because of the late payment which again was no fault of my own. I am extremely frustrated and unhappy about the way I am being treated and the way QLMS does business. 

I expect QLMS to honor the totals on the attached Closing Disclosure ( XX/XX/XXXX ), as required by law, and to close this loan ASAP! Again, the delays were of no fault of mine and therefore I should not be penalized. 

Please confirm receipt of this email and let me know if the only option is to cancel this refi as I am not willing to pay for the mistakes made by Quicken Loans.
Product: Credit card or prepaid card

1. After sending harassing emails on a payment that already had already been paid. Just like XXXX XXXXXXXX XXXX, Lowes and Sycronyn Bank are targeting XXXX veterans through the Lowes Account. so after I asked them to stop the emails they made sure my card did not go through online for simple purchases. 
2. They left me on hold for 45 minutes and when I spoke to someone they gave me the run-around, ( our system has bugs please reenter your account number 50 times ) the next bank or store they should be looking for discrimination is Lowes/Sycronyn Bank I do logs and notes and ready to sue. All I have to do is read back from these to anyone asking questions. dates times reps etc...
Product: Mortgage

To Whom it May Concern : I obtained a loan through Guaranteed Rate ( GR ) in XX/XX/XXXX. The location of my property is XXXX, PA. The home I purchased was a brand new constructed building ; therefore, I was able to obtain a 10 year tax abatement. When the new escrow analysis came out in XX/XX/XXXX, GR substantially overestimated my tax payments, as their analysis disregarded the tax abatement. This resulted in an overpayment to the City of XXXX of {$2700.00}. Further, the estimated monthly payment exceeded my correct payment by approximately {$750.00} per month ( i.e. overstatement of taxes and shortage of payments for the beginning of the year ). I contacted GR in late XX/XX/XXXX, they informed me I needed to contact the City of XXXX to obtain the necessary documentation related to the overage. I received the documentation from the City of XXXX, and appropriately forwarded such documentation to GR. About two weeks later I contacted GR to follow-up. The representative told me they received verification, the analysis had been completed, and I would receive confirmation of the change along with the new calculation and any reimbursement. As of XX/XX/XXXX, GR, which is the servicer, once again took the incorrect payment in the form of my automatic payment. I contacted GR today to see what was going on. I spoke to 4 different representatives, all of which forwarded along to someone of no assistance. One individual relayed to me that they are waiting for the refund from the City of XXXX to change my payment and reimburse me for my overpayments. However, she stated this can take up to 46 weeks. I asked why I would be responsible for paying in excess of {$750.00} per month for up to 9-10 months ( i.e. approximately {$7500.00} more than legally required ). She stated " that's just how it is. '' GR, the servicer, made the error in the calculation, I have provided documentation from the City of XXXX, and GR has received confirmation of such documentation from the City of XXXX. However, GR refuses ( multiple times ) to  address the issue and lower my payment to my legally responsible payment. If I pay less than what they have calculated I could potentially run into credit issues and/or have to worry about defaulting on my loan and my property go into foreclosure. I am not responsible for lending ( or floating ) GR  excess funds because they failed to accurately calculate the required payment. Further, the Branch Lender inquired about re-financing my loan and I informed him of my issues. His response included the statement, " we can fix the servicing issues with a refinance. '' I should not be liable for the servicers errors and demand that my monthly payment is reduced to its required amount and I receive reimbursement for overpayment. Overall, the behavior exhibited by this entity and its representative is unwarranted, unlawful, and must violate some subsection of TILA or RESPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was attempting to purchase a new vehicle and was denied due to CapitalOne Auto reporting that I have been 6 months past due on my payments. When in fact I have been making the monthly payment PRIOR to the due date since XX/XX/2017.
Product: Mortgage

I have my mortage payment withdrawn from my bank the XXXX of each month automatic payment. At the end of XXXX not sure the date I went online to change the added money I was making on the principal and changed it to my escrow account. That was the only change I authorised. On XX/XX/XXXX the mortage payment was withdrawn from my bank not on XX/XX/XXXX. I called the company and asked why was it withdrawn on XX/XX/XXXX and not XX/XX/XXXX the lady told me that if you make changes to your account it changes the withdraw day by default to the XXXX of the month. I said no I didn't ok that and wanted a credit back because I had money comming in before the XXXX to be able to make my regular payment. I was credited the amount back and said to withdraw it on XX/XX/XXXX which is my normal withdraw date. I latter found out It was not withdrawn on the XXXX not sure why. During the last week of XXXX and the 1st week of XXXX I kept getting calls from the mortage saying to give them a call about my mortage but never said why. On XX/XX/XXXX I called and was told I missed my XX/XX/XXXX payment. I said how could that be it's paid by automatic payment from my bank and if it was not withdrawn it's the mortage companies fault not mine and the guy said he didn't know what happened. I said it was paid and I would check with the bank and was told to send proof that it was paid. I checkd my bank statements and found out it was not paid so I called back on XX/XX/XXXX and said it was wrong saying it was paid and said I would make a payment over the phone. I was credited with the payment on XX/XX/XXXX. On XX/XX/XXXX I recieved a letter from the mortage company saying im past due more than 30 days and my account is in default which is NOT my fault for the missed payment and if anything I should get an apology for the mistakes and confusion the mortage company made and admit it was their mistake for not making the withdraw on XX/XX/XXXX which is the normal date and to say we don't know what happened is not a good excuse and to find out what happened. The mortage company should NOT make changes to my account without my permission which started this whole problem at the end of XXXX.
Product: Consumer Loan

Chase Auto Finance assessed a XXXX late fee on my account that was 21 days past due. The total balance left on the account is XXXX and I believe this is excessive as most creditors will charge at the most XXXX as a late fee. The excuse I got from the creditor is " that we already gave you an adjustment last month and the system will not allow it ''. I believe they are trying to make up for all the other adjustments they gave during the course of my 72 month loan.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( XXXX5 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 the 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. 
"
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX ; XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX  Bankruptcy Reference # : XXXX Date Filed/Reported XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX, XXXX XXXX ) was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments 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.

( XXXX XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Company was asked to provide written consent from me giving permission to publish items on my report. Company has yet to do so even after receiving my request for them to produce proof of permissible purpose.
Product: Money transfer, virtual currency, or money service

I transfered {$4000.00} from my bank account to my Paypal account. I made the transfer at XXXX AM on the XXXX of XXXX with the transfer completed by midnight on the XXXX. That never happened. I contacted them and they lied and said an electronic funds transfer takes 5 days. Yet I can send money from them to my bank instantly if I pay a fee. Paypal is simply refusing to complete the transaction and give me my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Notice, it is a fact, that, I, XXXX XXXX have been a victim of practices that violate my rights as a consumer. 

Notice, it is a fact, that, I, have made many attempts in good faith to remove the accounts listed from my consumer report and the accounts have remained for over 12 months. 
Notice, it is a fact, that, I, have been denied the right to travel using a vehicle because these accounts remain on my consumer report. 
Notice, it is a fact, that, I, have been denied a home due to the fact that I have these accounts on my consumer report. 
This entire process has caused me nothing but stress and hard times enduring these denials. Not only for me but my family as well. These bureaus have been in the wrong and are breaking the law!!! Accounts that have been removed have been laced back on my account. If one bureau removed everyone has to follow! I threatened to send my certified mail stamps and documentation to CFPB and they finally removed the accounts but the accounts reported right back on my account! These accounts need to be removed, If these accounts are not removed. I will use my documentation and the law to pursue remedy for each violation which is well over {XXXX} that I have counted in this last year since each violation is worth {XXXX}. I never authorized any credit bureau to furnish a report on my behalf so you are committing identity theft. This is my last time contacting your bureau in good faith. 
If they are not removed, I will no longer extend my credit or allow XXXX, to furnish a report for me. I would like to state that pursuant to 15 USC 1681 ( a ) ( 1 ) that the banking system is dependent upon fair and accurate consumer reports. By XXXX, allowing these inaccuracies to be furnished on my consumer report it has cost me to lose confidence in the banking system. If XXXX, and XXXX wants to continue doing business with me they should delete this inaccurate from my consumer report like transunion has.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$15000.00}, {$11000.00}, {$1400.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- AUTO ACCOUNTS 1. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 


-- COLLECTION ACCOUNT 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1400.00} -This is not my account.