23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Dear Admin, I am writing to formally file a complaint against The Loan Store regarding their actions concerning the mortgage loan for property located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX On the day of closing, scheduled for XX/XX/year>, I was informed by my closing attorneys office, a mere XXXX hours before the scheduled closing time, that The Loan Store had unexpectedly reduced their contribution to the mortgage loan by {$500.00}. This drastic change was communicated without any prior notice, explanation, or opportunity for discussion. As a result of this last-minute alteration, I was forced to write a personal check for a substantial amount to cover the shortfall of {$340.00}. This unexpected financial burden caused significant inconvenience and stress. The actions of The Loan Store represent a clear breach of good business practices. By unilaterally reducing their contribution to the mortgage loan without any prior notification or explanation, they have demonstrated a complete disregard for their customers financial well-being. I am requesting that you investigate this matter and they be held accountable. I seek a full refund of the amount I was forced to contribute due to their last-minute adjustment. 

Additionally, I believe it is imperative that The Loan Store be required to implement measures to prevent similar occurrences in the future. I have attached copies of all relevant documentation, including the closing disclosure and the personal check written to cover the shortfall. The most recent disclosures received were XXXX days prior to closing until I received a paper document at the attorney 's office. Again, this was without approval. The adjustment was for {$500.00} leaving me owing {$340.00} out of pocket. Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX Desired settlement : Billing adjustment
Product: Money transfer, virtual currency, or money service

Cash app did not aid me in retrieving my money back from a transaction that was done by a scam. The extra fees not disclosed in the agreement.
Product: Credit reporting or other personal consumer reports

There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the report of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not my information related to any transaction by me as the consumer. 

XXXX XX/XX/year> XXXXXXXX XXXX XXXX XXXX  XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/XXXX I paid off off XXXX bill or shortly after and and started my service with XXXX on the same day XX/XX/XXXX. Later around a month-and-a-half I was sent a bill for {$280.00} from XXXX claiming that they were sending it to collections so when I got my bill I went into the XXXX store and had a conversation about this issue and was told that it was after that if there was 20 days left in the month and that 's what that charge was. Which is illegal to do and I have since gone to them and ask him to show me where it 's listed in their contract and they did not show me because they could n't produce the information. 

Two days ago I called the answer to the collection agency and was forwarded to the internal law office where I spoke to someone that was very rude and did not want to give me any information regarding the charge that I supposedly must pay before they can take it off of the credit bureau butt this derogatory inquired that was placed on my credit is not right because it 's not a credible charge from XXXX which should have been verified by the credit bureau before putting it on to my file. 

By placing this on my credit report it brought my score down by XXXX points or more and he 's threatening 2 damage my credit even more and to take me to court for {$280.00} which is ridiculous. 

I would have made the payment arrangements but I do n't owe the money so why make the payment arrangement I asked could they give me or show me proof that we owed them money and they said no, you no longer are a customer, I was told that l am a client and someone that you have to deal with now! ( Pure Ignorance )
Product: Mortgage

My bank is processing extra payments in a way that results in me paying more interest. I made an extra payment along with a payment due in XX/XX/2022. Wells Fargo Home Mortgage applied the XXXX 2022 payment before the extra principal payment, resulting in less of my XXXX 2022 payment going to principal.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is a huge scam company that continually reports on peoples credit report and when you call them to provide proof that the debt was paid long ago and they even overcharged me. They have changed name several times and create a new credit reporting agency and then report that new agency on your credit as if they sold the debt to this new company. 
They have been damaging my credit for over 10 years. the original company was " Why not Lease it '' by XXXX. 
I reported them with XXXX credit bureau and they keep sending letters that my debt is owed even after I have sent them proof and bank statement that they kept charging my bank accounts unauthorized to do so. they even overcharged me I have contacted them several times throughout the years every time they change names and sell of to the new company and they just have you go in circles and can never find a solution to the problem. The debt just continues to reappear and debt owed to a new company keeps reporting on peoples credit. they must be doing this to many people, they are a huge scam operation and don't know how they have gotten away with this for so long. 
I was able to finally get them removed through XXXX but shortly after received another letter with a new credit collection agency saying that they sold the debt to them and I still owe them. 
Please help me, I don't know what else to do
Product: Debt collection

I am a protected veteran. I am diagnosed with a XXXX XXXX XXXX. I have XXXX  problems. I thought I would sign up for Auto Pay to help myself. But what is happening is I forget I have Autopay and I will make a payment. Unfortunately the bloomingdales   computer program will not recognize a payment made and cancel the upcoming auto pay and they take a second payment. This had happened several times in the past and onXX/XX/2020. I have other creditors that put a reminder on the bill so that the customers don't make the same mistake. When I called bloomingdales to explain the situation and ask that they take steps to prevent customers, who have a XXXX  as I do, from making double payments, they acted as if there is nothing they can do. It seems to me that they just like this situation. I believe that they can put a note on the monthly bill that reminds the customers that they have XXXX. Or they can update their computer systems to recognize that a payment has been received, and a statement made to that effect, to advise the customer. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

On the Experian report it shows the trade line State of Michigan-child support as a charge -off.It is not a charge-off.This trade line/account is paid in full and closed.It is not a charge-off
Product: Credit reporting, credit repair services, or other personal consumer reports

After recently reviewing my credit report I noticed several inconsistencies regarding the account ( XXXX XXXX XXXX XXXX XXXX XXXX in the payment history section XXXX is reporting 20 late payments, XXXX  XXXXs reporting 18 Late payments, and Transunion is reporting 16 late payments. Now all three of these balances can't be accurate. These accounts appear to be furnished by the same creditor so why is all the provided data different? It is your duty to ensure that all information reported is consistent and most importantly accurate and you have failed to do so. Please DELETE this erroneous item immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is my follow-up to my previous complaint about the fraudulent accounts in my file that needs to be deleted. 

I want the following accounts to be deleted ASAP : XXXX  XXXX XXXX Balance : {$370.00} XXXX  XXXX XXXX XXXX : {$390.00} XXXX  XXXX Balance : {$11000.00}
Product: Credit reporting

I have some things on my credit report that is not mines. I have XXXX account that is more than 10 years old ( XXXX ). I have disputed before but Experian refuses to review information or delete. I also sent them information from XXXX were they have deleted the info. Experian says they do n't do what other credit companies do and will not review their info.
Product: Credit card or prepaid card

American Express quit sending payment envelopes approximately XXXX year ago, but when called, agreed to separately mail XXXX okay. I called today XX/XX/22, and XXXX at customer service politely refused to send anymore and recommended I use my own. This will cost me more and increases mail time thus increasing the chance of late fees. Help!
Product: Credit card or prepaid card

XX/XX/19 Contacted Capital One Dispute Resolution to file a dispute against XXXX XXXX car for the amount of {$750.00}. During the call the Agent could see that a credit for that amount from XXXX was pending and advised us to hold on filing a dispute to let the credit clear which we agreed and cancelled the dispute with the agent. 

XX/XX/19 The credit from XXXX XXXX for {$750.00} cleared our account. 
No further action taken on our end. 

XX/XX/19 a Rebill charge from Capital One appears on my statement for {$710.00}. Upon calling Capital One I am told by the Transaction Manager that our dispute was never cancelled by the agent, a mistake on their part, and that a credit was issued to my account in XXXX ( back dated to XX/XX/19 ) but showing up on my XXXX statement for {$710.00}. 

Upon questioning why this fraud credit was issued by their agent and not removed right away there was no response other then they have 90 days to resolve a dispute. There was no dispute. The agent did not have my permission to place any dispute, nor did they have reason to as they could see the credit pending in the system.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB : Reaching out because I noticed on my credit report that XXXX XXXX is reporting a 30 day late payment when that never occurred. The account number in dispute is XXXX. My name is XXXX XXXX and my social is XXXX. Can you please look into having this removed from my report. 

Thank you,
Product: Credit card

I had a balance of {$1000.00} one month and paid $ 40+ interst the next month. THEN I was charged another {$54.00} the following month. When I first questioned this the woman told me she would see about getting the second charged removed. When that didn't happen, I paid my next statement less the {$54.00}. Because I did that, Chase charged interest on NOT JUST the {$54.00} but on all NEW PURCHASES I made after that date. 

I finally went into a Chase bank Friday and was told that Chase CAN charge interest on ALL NEW PURCHASES for the month and NOT just the amount that was unpaid. IS THIS TRUE? For a {$54.00} questionable charge, the bank can then charge interest on ALL NEW PURCHASES? This amounts to at least {$50.00} a month in interst because that card for my business as well as personal.
Product: Money transfer, virtual currency, or money service

I sent a payment on XX/XX/2021 to my sister and it went to the wrong cash tag. the money never was touched cash app denied her request to gain access and is refusing to refund me my {$1000.00}
Product: Debt collection

Multiple disputes with the incorrect debt amount reported. Per the lease agreement the security deposit was refundable but that amount was not calculated into the final debt amount reported to the debt collector. The debt collecter did not investigate the information given before reporting it to the credit bureau and applying late charges and interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.Im writing to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. 

This is the list of account which do not belong to me or were opened without my permission. 
XXXX XXXX LA XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2015 Balance : {$0.00}
Product: Consumer Loan

Traded in my BMW and we were given a 10 day payoff good through XXXX. Check was received by BMW on XXXX but they refuse to close my account and charging way more per diem after the already received the check on XXXX they wo n't even apply the check. This is clearly inappropriate.
Product: Credit reporting or other personal consumer reports

It's been unauthored information reported on my credit report I reach out to the companies and credit bureaus that failed to verify the information by providing documents requested of my signed name on the documentation that authored my social security number to be used they also failed to remove the information. In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. Please See Attached Documentation 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 ) 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. 

XXXX XXXX {$11000.00} closed, also including all heart and soft inquiries.
Product: Debt collection

On XXXX/XXXX/2017 at XXXX I received a phone call ( XXXX ) asking for XXXX XXXX stating to call back ( XXXX ). I called this number and asked the representative on the phone to stop calling as this is the third time they have done so after repeated request to stop
Product: Credit reporting or other personal consumer reports

I am disappointed to have received a credit report that contains inaccurate information about me. As per the Fair Credit Reporting Act, it is my right to dispute any information that I believe to be incorrect. I take this matter very seriously and I am deeply concerned that these false allegations of delinquency and derogatory information could harm my reputation and financial well-being. 

Although I am fighting back with all my strength, I need your cooperation to resolve this issue. I kindly request you to provide evidence that justifies why my accounts are considered to be in a negative state. It is my understanding that any data included in my file must be documented and validated before it can be used by creditors, as mandated by the law. However, it appears that your records are not meeting these standards. 

I feel let down that you are not doing your job properly, and I am concerned about the potential consequences that this could have on my creditworthiness. Therefore, I am giving you XXXX  days from now to address this matter and provide me with physical proof of your actions and my updated credit report. 

I hope that everything can be resolved in a timely manner without the need for intervention or escalation. Please provide accurate and verified information for each claim, as the allegations against me are not true. I am deeply disappointed to have to dispute these claims, but I will not let inaccurate information harm my financial well-being. 

Listed below are the Personal Information that are being challenged Incorrect Current Address : - XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Incorrect Current Address : - XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX below are the Accounts that are being challenged XXXX - XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than XXXX years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
Product: Mortgage

I applied for an FHA refi with RP Funding FLORIDA. They took the application, locked the rate, collected the funds for appraisal and this was completed. Weeks later the loan officer sent me a screen shot of a XXXX. It was from the XXXX from a disaster XXXX loan in 2016. Told me they were cancling my application and reapply if i ever pay it off. This was discharged in XXXX. I sent the XXXX  docs. I contacted the XXXX whom drafted a letter that the loan was discharged and in a charge off status, they wrote a letter that this is an acceptable per the credit act and I also contacted HUD. They stated charge off is an acceptable status and that the lender should continue worh my application. I have not gotten a missing items letter or anything. They took the appraisal money, and told me to come back. HUD Also stated that a lender can not deny based solely off of XXXX for a disaster loan in a charge off status. They are giving me verbal denials and still caling thr loan delinquent when it's not, it's charge off. They won't allow me to talk to legal or compliance team. Only loan officers call back. Not legal.
Product: Debt collection

I have told them repeatedly to stop calling my employer, they continue to call and are verbally abusive
Product: Credit reporting or other personal consumer reports

Equifax violated the Fair Credit Reporting Act due to improper use of my Equifax credit report for purposes not allowed by law, due to failing to uphold the obligation to remove from my Equifax credit report any accounts placed for collection or charged to profit and loss which antedate the report by more than seven years, per [ 15 U.S.C. 1681c ( a ) ( 4 ) ] and [ 15 U.S.C. 1681c ( a ) ( 5 ) ].

Equifax failed to uphold the duty to remove both accounts from my Equifax credit report : DEPT OF ED/XXXX  ( XXXX XX/XX/XXXX ) and DEPT OF EDXXXX  ( Opened XX/XX/XXXX ) which per [ 15 U.S.C. 1681c ( a ) ( 4 ) ] Equifax held a duty to remove both after the date of XX/XX/XXXX at the latestas both accounts are now nine years and eleven months oldand so, are too old to still be reflected in my Equifax credit report, and per [ 15 U.S.C. 1681c ( a ) ( 4 ) ] and [ 15 U.S.C. 1681c ( a ) ( 5 ) ] of the Fair Credit Reporting Act, shall be removed from the Equifax credit report, due to both DEPT OF XXXX accounts that were opened in XXXX of XXXX antedating the Equifax credit report by over seven years. 

This complaint is an effort for Equifax to be compelled to remove all accounts that antedate seven years from my Equifax credit report.
Product: Consumer Loan

I was XXXX and very desperate for a vehicle since my previous vehicle had just broke down. So I heard of XXXX on a commercial about them accepting everyone and since I had no credit I went by alone one day to purchase a vehicle from them. I got there they had pick out a vehicle they gave me a few choices since I only had XXXX down I qualified for only a few select vehicles. I chose a vehicle they showed me an XXXX which said it had no accidents months later I found out it did on XXXX. Anyway they just showed me a monthly payment for the vehicle they never showed me the break down until I did the paperwork for the vehicle. They did n't negotiate the price of the vehicle and I found out in finance there was a lot more I was paying for than just the vehicle and interest. They told me all the products on the vehicle had to be purchased as well since it came with it like GAP, extended warranty, and GPS tracking they said it was a perk of buying the vehicle from XXXX and I found all this out while doing the paperwork online. Was not able to properly read over documents since it was done on the computer and they only gave a brief summary of what the document was. So I end up financing over {$16000.00} for a XXXX with around XXXX miles on it. A few months later I began selling cars and got my vehicle appraised and it was worth {$4500.00} at best. So now my first auto loan I am beyond upside down on because they took advantage of me being alone and not knowledgeable about buying a vehicle or credit or anything like that.
Product: Checking or savings account

YOUR COMPLAINT I already have filed one claim regarding the XXXX XXXX Scam that I was a victim of in XX/XX/XXXX/XX/XX/XXXX where I wired money to people that I thought I knew from a dating website. 
On XX/XX/XXXX I wired funds in amount of {$12000.00} from my personal banking account with XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, Texas XXXX, phone ( XXXX ) XXXX, to Wells Fargo Bank, XXXX XXXX, Account : XXXX in XXXX, Pennsylvania. Little did I know before hand that this wire was ultimately going to XXXX and Wells Fargo stopped it before this lady could send it out to XXXX. Thus Wells Fargo has been holding this {$12000.00} until now waiting for my XXXX XXXX XXXX to send them a Letter of Indemnity to release the funds back to my account. My XXXX XXXX XXXX is refusing to do this due to liability. I have been with this credit union since XX/XX/XXXX and they know who I am and should know that I was a victim in all of this. I am now close to XXXX years of age and can get no one to help me get this money back into my account. Please advise me as to what I can do on my end to get this done. Thank you so much in advance for any help that you can give me. 

Please see the attached correspondence regarding this issue as of XX/XX/XXXX. It will help you understand more the timeline and see that I was instructed to file complaint against Wells Fargo and not the XXXX XXXX XXXX.
Product: Checking or savings account

I banks with Bank of America and recently my account was frozen due to potential fraud. They have been holding my phones now for over a month and they refused to release the money in my account until XX/XX/XXXX. This is ridiculous. This is the only money that I currently have to pay my bills and its not fair that the bank is holding my money without my consent.