23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Started the processing of Refinancing my existing mortgage with PennyMac in XX/XX/2021. I locked in with a rate of 2.874 % paying .8 % origination fee ( {$3300.00} ). The loan estimate was accurate. 

I received my closing disclosure in mid XXXX which reflected an origination fee of 2.7 % origination fee ( {$11000.00} ). 

Needless to say, I was completely shocked by this {$7800.00} increase and no one from PennyMac bothered to call about this increase. I would have expected to receive a Revised loan estimate and a call from the loan officer / processor to say what caused the change.

After contacting the loan officer, I requested a {$6000.00} lender credit. I wanted a credit for the full difference but they would not do that. I was verbally told that the Sales manager approved the lender credit. However, when I received the final CD prior to closing, the lender credit was NOT included. On the day of closing, I had to call back again to get that corrected. The correction came back with only {$5500.00} instead of {$6000.00} as previously discussed. Per the Sales manager, {$5500.00} was the limit of what they could do. 

In summary, The XXXX  process was completely ignored on my loan. To learn after 60 days with not phone call or email, that your fee increased by {$7800.00} is completely wrong. 

In addition to the XXXX origination process issue, the appraisal process was also poorly handled. An appraiser was assigned and showed up as expected. The house was under renovation and the appraiser had a hard time figuring out how to appraise the property. We discussed the renovations and offered to provide estimates of any work that she deemed necessary to meet the inspection requirements. Two weeks pass and the appraisal is scheduled for delivery and I receive a text message from a second appraiser requesting a date to inspect the property. The first appraiser completely bailed on the project and PennyMac was completely in the dark about the situation. When I contacted the processing team, they had no idea what had happened. They suggested that I contact the appraisal company to find out. This is NOT my job. 

Anyway, after another 10 day delay, the second appraiser did a great job and was successful at delivering a viable appraisal. 

We did close on the the end of XXXX, but it was the most painful mortgage experience that I've ever been through.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2022 to the three major credit bureaus Experian, XXXX, and XXXX to remove personal information that I do not want on my credit report ( I am attaching the tracking information ). According to the Fair Credit Reporting Act 15 USC 1681, I have the right to privacy. Also according to 15 USC 6802, no financial institution is to share my information to third parties. 

These are clear violations of my federally protected consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

The items I disputed I have no prior knowledge of I do not know how they are on my report or how are they are being verified this is very frustrating and I have disputed these items on my report thirty days and have not received no verifying documents which I have requested
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 an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus 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, FL XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX Balance Owed : {$13000.00} ; ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; ( Original Creditor XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

UNAUTHORIZED INTERNATIONAL CALLING FEES ON MY BOA XXXX ACCOUNT ON DEBIT CARD XXXX LAST 2 MONTHS RECENT CHARGES XX/XX/2019 XXXX CENTS XX/XX/2019 XXXX CENTS XX/XX/2019 XXXX CENTS I have requested from boa XXXX # for disputed charges removed and details of each unauthorized charge of these international calling fees. No response I just notified boa an hour ago again online boa email on their feedback of boa experience website for requested credit of disputed fees and copies of transactions Who made the fraud charges address and phone of entity who did these so I can make another boa fraud report and police report to be included on my FTC identity theft files already registered
Product: Credit reporting, credit repair services, or other personal consumer reports

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

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 ( A ) ( 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.
Product: Credit card

TJX Synchrony Bank credit card is now charging {$1.00} for receiving paper statements. I consider this a junk fee. For a senior going to an online statement is difficult because it takes me forever to figure out where to find my statement, printing it off ( when my printer works ), reading it and most painful remembering my password. Synchrony Bank Net Income has more than doubled since XXXX  Amazing that they started this fee after all of the XXXX and XXXX XXXX work on reducing excessive fees. 
Thank you for looking into this
Product: Credit reporting, credit repair services, or other personal consumer reports

After 13 years of being divorced, my ex-husband finally refinanced the HELOC loan for his house that we once shared. This XXXX XXXX HELOC loan was paid off ( refinanced out of my name into a new loan in just his name ) on XX/XX/19. XXXX XXXX will not report this loan as being paid off/closed. XXXX XXXX continues to report it as an open account on both of our credit reports that is being paid as expected. I have sent 4 credit  disputes through Transunion with the latest being XX/XX/XXXX. Each dispute comes back as being reported correctly. I have the satisfaction of mortgage proving this was paid off but, XXXX XXXX insists on reporting it incorrectly. I have called XXXX XXXX 3 times and have filed disputes with their own credit department to no avail. PLEASE HELP. THIS IS RIDICULOUS
Product: Debt collection

Have never been in contact, agreed to anything, requested info, credit or even heard of this agency. Now I have a negative mark on my credit report.
Product: Debt collection

ON XX/XX/year> MY CREDIT REPAIR AGENT SENT OUT DISPUTE LETTERS, ONE TO SAID AGENCY I AM REPORTING ABOUT. THIS DISPUTE LETTER REQUESTED DEBT VERIFICATION LETTER AND REQUESTING BILLING HISTORY FROM THE ORIGINAL CREDITOR PLUS ANY SORT OF CONTRACT AGREEMENT I SIGNED TO DO BUSINESS WITH SAID AGENCY. THEY DID NOT PROVIDE ANY OF THE FOLLOWING. INSTEAD, THEY SENT A BILL SAYING THAT I OWE THEM AND A NUMBER TO CALL TO PAY THE DEBT. I ATTACHED THAT BILL TO THIS COMPLAINT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719.1 presume that no proof of the alleged debt being reported to credit bureaus nor therefore any such debt, in fact therefore exists Pursuant to 18 USC 8, PROOF and Lawfully that l owe no debt, this company is violating my consumer right to PRIVACY pursuant to 15 USC 1681 b ( 2 ) company has also No permission or lawful rights to report anything using my info pursuant to 15 USC 1681 ( 4 ) which states ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Product: Mortgage

I was told that I would get a loan at 3.875 % and that they could do it. I explained at first that i had a " XXXX '' agreement on my home and was told at first that it should n't be an issue. I did n't get any calls back from XXXX and had to call several times to talk to XXXX XXXX, but had to call his superior.. I had to call his boss XXXX XXXX, who I expressed my frustration with XXXX not returning my call, he said that XXXX would call me back to explain why they could n't do the loan. I never received a call. I then called his boss XXXX XXXX and he stated that they could n't do the loan. I asked for the guidelines and why, and received answers that did n't make sense to me. I asked to speak to his boss and he said that he was the director and there was no -one else above him that could make the decision to do the loan. This phone tag was over a period of 4 weeks. When XXXX told me he could do the loan at first, I gave him my credit card information and he sent me all the docs and application and asked me to immediately sigh them electronically, which I did. At that point i waited for a call or any information they needed, but received nothing? Thats when i called His boss XXXX, and he proceeded to tell me they cant do the loan because of the XXXX agreement on it. He said they had to follow guidelines and could n't do it. As far as I was concerned i signed a contract with XXXX to get he loan done, after i disclosed that i had a XXXX '' agreement and was told it would n't or shouldnt be an issue. I was told from XXXX that XXXX would call me back to better explain why they did n't want to do it. I never received that call. I was sent several loan rates from XXXX at first, which i agreed to the XXXX rate which we discussed as my best option and waited after the docs were singed for them to move forward with the loan. I have a good LTV and was looking for a XXXX refinance on my home that appraised at XXXX. Dosent the lender have to send you the reason or guidelines of why the refused to do the loan?
Product: Money transfer, virtual currency, or money service

Received USD XXXX for work done by XXXX XXXX XXXX, XXXX XXXXXXXX XXXX  XXXX, XXXX to online Bank Account with Wise ( formerly Transferwise ), XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX. 

To transfer USD XXXX from Wise, USA to XXXX and with no direct way to move money directly from Wise to XXXX, I thought to to move USD XXXX from Wise to XXXX by transfer to a XXXX XXXX XXXX  virtual account linked to XXXX. ( account details attached ) On not getting the funds to my XXXX on XXXX XX/XX/2022 as expected, and as displayed on the Wise online funds transfer tracker, I inquired from XXXX. 

XXXX responded saying, " Even if XXXX XXXX is linked to XXXX, there is no set up for XXXX XXXX to automatically transfer funds to XXXX ( that is nowhere in current existing services offered to XXXX XXXX ). '' ( screenshot attached ) They additionally explained that the virtual account at XXXX XXXX XXXX  account and linked to XXXX is not a regular bank account and can only reads funds already in XXXX and can not receive funds directly. Subsequently, I did not and will not receive the USD XXXX through XXXX from Wise. 

I reported the matter to Wise. 

They keep insisting that it is only XXXX that can initiate trace the funds. But I did not transfer from a XXXX account, but from my Wise account. 

XXXX Wise instructions, I asked XXXX to confirm that they indeed sent me the USD XXXX, which XXXX did with a valid bank statement. ( attached ) I also gave Wise my XXXX XXXX  statement for XX/XX/2022 showing I did not receive the USD XXXX as expected. 

REQUEST : could Wise kindly initiate a " trace and recall '' as the USD XXXX is somewhere between Wise and XXXX XXXX XXXX.
Product: Vehicle loan or lease

Issue with Inifiniti Financial forcing me to return my lease to XXXX dealership instead of being able to sell to a 3rd party during 2021. Their dealerships were then providing outrageous buyout options which only left me to return the car to them. They magically changed their policy without notifying me. At this point I spoke with them to dispute the lease termination charge since they were effectively creating a monopolistic profit center for themselves through the policy change. I do not feel I should be paying a lease termination fee and told them so. Today, I see they reported an outstanding balance for this fee on my credit report and it has been increasing each month ( do to unknown reason ) despite them not sending me any information on the balance. How is this legal?
Product: Mortgage

There was an increase in homeowner 's insurance in XX/XX/XXXX from {$1800.00} to {$3600.00} ( plus {$1700.00} ). I contacted Freedom Mortgage customer service in XX/XX/XXXX to discuss how to fund my escrow account to make up for the increase in insurance payments. I was told making extra payments to my escrow account would prevent an increase in mortgage payments. Between XXXX through XX/XX/XXXX, I made extra payments to my escrow  account in the total amount of {$1600.00} ( shy {$150.00} for full repayment of the increase in homeowners insurance ). In XXXX, I contacted Customer service to inquire how this would affect my upcoming payments and received conflicting information and was told there was no way to estimate anything because the Escrow analysis was not done. I asked multiple times for an explanation about how the analysis was done and how my increased payment would be applied. I provided the new homeowners insurance amount as well as the probable tax payments, but never received understandable information. I spoke with 2 or 3 individuals, including a manager. Escrow  analysis in XXXX showed a shortage of {$1200.00} and an automatic increase in my escrow payments to cover the new insurance and slight increase in taxes. By my calculations, the new increase in payments is $ XXXX leading to {$470.00} XXXX {$620.00} as the new escrow payment ( not {$620.00} as shown in the Escrow analysis ). I spoke with several representatives betweenXXXX and XX/XX/XXXX including a supervisor ( # XXXX ). No one could explain 1 ) how the extra {$1600.00} in escrow payments were included in the escrow analysis 2 ) why there was a shortage ( despite the increased escrow payments ) - I was told this was a cushion that was arbitrarily calculated but was not given an explanation about what triggered this increase ( I was told it was not the negative balance resulting from the XXXX increased payment in homeowner 's insurance ) and 3 ) The mortgage company did not provide an option of paying the difference in increased insurance and taxes ( a difference of {$1700.00} ) as one lump sum into my escrow account to avoid the increase in mortgage payments. 4 ) My new escrow monthly calculations based on the increased insurance/taxes differ from the company 's. I was told that once the analysis was done, there was no way to change the escrow payments. Basically, even the supervisor ( # XXXX ) could not answer these questions. The call on XX/XX/XXXX was recorded in which I made clear the issues that were of grave concern to me. Thank you for investigating. This company has poorly trained customer service reps who give inaccurate and wrong information. It is very difficult to ever get anyone to respond to any complaints ( I have had several over the years with no responses whatsoever given ). Even the CEO fails to respond to letters personally mailed to him to try and address issues. Hence, I submitting this complaint to try to get clear and accurate answers and have any mistakes rectified not to mention an apology for the dismal service provided. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an address appearing on my Experian credit report that does not belong to me. I sent several letters and even disputed it over the phone. Today, XX/XX/2019 I called to dispute this address over the phone and they would not investigate the account.
Product: Vehicle loan or lease

The Lienholder is having the dealership illegal hold my license plates for non payment. Im off a month for my car note and my temp plates have expired. I was told by the finance company that they wouldnt give me my license plates until I pay. I have complaints with the Attorney General and The Secretary Of State. Also the they havent properly registered the car and I was charged for title and registration fees
Product: Debt collection

Contacted 'law offices ' and could not get proper balance when requested. Also having paid on this debt for over 1 year have never received quarterly accounting of the debt while the consumer makes payments. 

Unsure what is currently owed and lawfirm has told me I must keep paying.
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. 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 to be updated. 


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. 


EQUIFAX 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 XXXX 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

In XX/XX/2022, I got notified by my XXXX XXXX card that my credit score had dropped significantly due to a late payment. 
After further investigation, I found that my XXXX card was the issue. I called the number on the back of my card and it routed me to XXXX ( with whom I had never had any interaction ). XXXX had trouble finding my account because my XXXX card number had changed - without my knowledge. 
A representative from XXXX told me that they had mailed me several notices that they were now the XXXX of XXXX credit cards. 
I explained to them that I had elected to have all of my XXXX  correspondence be electronic as I travel XXXX XXXX  of the time for work ( GAP also strongly encourages their customers to sign up for electronic correspondence ). I had also recently moved. XXXX stated that they only notified card holders via regular mail. 
When I explained that without receiving any electronic correspondence and having my payments set up to automatically come from my bank account, I had NO clue that the administration of my XXXX  account had changed and I needed to make payments to them. The representative stated that there was nothing they could do to fix the error of reporting a late payment to XXXX, even though I had no knowledge of the change. 
If XXXX  wants all of their customers to sign up to receive all of the correspondence electronically and then fail to electronically notify me that I need to make payments to another company, I should not be penalized. 
I asked that the issue be escalated, and spoke with a supervisor who told me they can't correct the credit reporting error. 
I paid the account in full, and closed the account. 
I am formally requesting that the late payment report from XXXX to all 3 credit agencies be removed immediately.
Product: Credit card

On XX/XX/XXXX I was charged {$4800.00} by XXXX XXXX for auto repairs. XXXX XXXX accepts SYNCB and had SYNCB advertisements for XXXX  years interest free financing. When I received my XXXX bill from SYNCB, I noticed that it had the promotion for 6 months only. I immediately called XXXX XXXX who explained how the financing work on their end and advised me to call SYNCB. They provided me with proof via text to go along with my monthly billing statement. I called SYNCB and explained the situation as well and they advised me to fax the proof over to them, which I did. They gave me an XXXX of XXXX bulling cycles, and I should see the correction. At the XXXX billing cycles time expired I called again, and they said they never received my documents via fax and asked if I could send via regular mail. I then sent the proof visa mail. I then followed up and once SYNCB confirmed received, they still said they are not changing it to XXXX promotion and advised to have XXXX Bothers call and fix it. In XX/XX/XXXX ( XXXX XXXX from XXXX XXXX ) started to call and follow up on his side. As of today XX/XX/XXXX, XXXX is still doing conference calls with SYNCB to have this updated to XXXX  months free financing. On XX/XX/XXXX, I was charged {$810.00} in interest and continuing to be charged {$110.00} interest each month because of SYNCB 's error.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021