23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Ally Home Loans.

Escrow amount being collected is 77 % too high. {$780.00} vs. {$440.00} These are numbers calculated by the *mortgage lender themselves* in two different closing dis
closures. The higher amount on a closing document dated XX/XX/XXXX and sent before closing. The lower amount on a second closing document dated XX/XX/XXXX and sent AFTER closing. 

The mortgage lender noticed their error after closing occurred and sent me a 2nd " final '' closing disclosure after closing papers were complete. However, the mortgage is being serviced with the 1st final closing disclosure still. If they used their own 2nd closing disclosure, we'd be done here.

I have their document saying that they need to fix it, but not the fix from them. It is now 38 days on. They do not respond to my email or  phone calls anymore- they have not since XX/XX/XXXX. 



History On XX/XX/XXXX they sent a final closing document and instructed me to wire the amount in the document immediately to make sure it was there before closing. 

On XX/XX/XXXX, they wired an incorrect and insufficient amount to my closing. I was unable to close on the transaction. 

They gave an incorrect wire transfer tracking number while reporting to me and the title company verbally as well as in writing that the correct amount was sent. 

At XXXX XXXX EST on XX/XX/XXXX they sent this XXXX " final '' disclosure that still remains a problem On XX/XX/XXXX their error in sending a wrong closing amount was caught by the title agency. The mortgage lender indicated in writing that they have sent the remaining funds in the meantime. 

On XX/XX/XXXX, a manager got involved and reiterated in writing that they sent the remaining funds on the 3rd and provided a wire tracking number in the same email that began with the date of the 4th. Then proceeded to deny any errors were caused by them- while blaming it  all on others. They have gone silent since then refusing any further interaction including this correction.
Product: Credit card or prepaid card

I did reported to chase credit company that my credit card was stolen and being a fraud charge for {$720.00} to XXXX XXXX in XX/XX/XXXX. 

The Chase company did closed my account and send me a new cared with a new credit number. 

The amount XXXX dollars was clear at that time but it came back to my account at XX/XX/XXXX, I tried to call the Chase many times but nobody can resolve my problem.
Product: Checking or savings account

I was issued a check from a class action lawsuit that was sent, and cashed by my son XXXX XXXX XXXX. The check was from my bank account, he's never had one. Can you cancel the check and reissue it to me?
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE CONTACTED XXXX XXXX AND EQUIFAX ABOUT INFORMATION THAT DOESN'T NOT BELONG TO ME. 

XXXX XXXX 
Names: 
XXXX  
Address: XXXX XXXX XXXX XXXX XXXX VA  XXXX XXXX XXXX XXXX XXXX md XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DC XXXX 

THESE ACCOUNTS WERE NEVER LATE IVE CONTACT BOTH COMPANIES THEY INFORMED I MUST DIPUTE THROUGH YOU 

Late Payments 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THIS IS NOT MY ACCOUNT 

Hard Inquiries: 
 

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 EQUIFAX: 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 EQUIFAX 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
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX This letter will notify XXXX that the following companies placed unauthorized inquiries on my credit report on XX/XX/XXXX. 

I demand under FCRA : Section 604 : 1. Permissible Purpose 2. My written authorization 3. Proof that I initiated this inquiry Either provide me with strict proof or DELETE the item immediately. I will take legal action if you do not delete the inquiry in 15 days.

Under 15 USC Section 623 you have 30 days to do a reasonable inquiry into this matter. 
Suppose you ignore this letter and do not delete the inquiry or don't provide STRICT proof of authorization. In that case, I will have no other choice but to have my local Congressman promptly forward a formal complaint to the Federal Trade Commission and Attorney General for further scrutiny of this matter. 
The following companies placed unauthorized inquiries on my credit report : 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  Your cooperation in advance is appreciated. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I sent out a letter to self lead bank to remove an account from my credit report thats listed as a charge of this my third attempt to get them to remove this inaccurate information. This account is listed as a charge off and has already been written off as a debt. You are violating FCRA 15 USC 1681 eb for reporting information that is not 100 % accurate. Remove this immediately from my report my next step is to request a 1099c form so that I can audit and make sure you are in compliance.
Product: Debt collection

On XX/XX/XXXX at XXXXXXXX XXXX I contacted Truist Bank to pay on an old collection I had forgotten about. After XXXX  attempts to reach the recovery department I called customer service and they were able to patch me thru. They pulled up my account and agreed to a settlement. I gave them my pay by check information and was given a confirmation number and told that I would receive receipt of payment and settlement offer letter to my email within one to two hours. I did not receive receipt of payment or settlement offer by end of day XX/XX/XXXX so I called back and was told it should be coming through. 

On XX/XX/XXXX I spoke to a representative in customer service because I could not reach the recovery department. This customer service agent told me that my debt had been sold to a 3rd party and that the recovery department would not have record and I would need to call the 3rd party agency. She gave me the phone number. I asked to speak to management as I had given my bank account information on Friday XX/XX/XXXX and received a confirmation code.
Product: Mortgage

We contacted Wells Fargo home mortgage for a refi on our existing mortgage ... we currently have well Fargo for our mortgage so we thought this would be no problem since we have excellent credit and never missed a payments..on the very first day on this process we explained that my husband goes to work overseas and that we would file a POA so that I ( his wife ) can close for us in his name..we did this same exact process for the same home we are trying to refinance ... we got pre approved and the approved ... then I hear nothing for weeks..I tried to contact our loan officer and finally got an email she is no longer with the company..I filed a complaint and never got a call back..trying to figure our what is going on..then they contact me after all of this, to tell me we are denied the mortgage refi loan that we were approved for because they are saying that my husbands home, our ONLY home in TX that we have isn't considered his primary residence because he works XXXXThis home is his primary residence, and when he goes to work overseas he stays in a company owned compound, there are no other properties in his name at ALL ... we were lied to and then our time now for the good refi rates we locked in have been wasted ... we should have never ever used Wells Fargo.they have now cost us time and money
Product: Bank account or service

On XX/XX/XXXX a creditor debited my account for {$270.00} which cost me an overdraft. I called the bank and told them what was happening and the were refunding me. Before I could get refunded the company debited my account for another {$270.00} on XX/XX/XXXX. So on XXXX XXXX I received part of a refund and then the rest on XX/XX/XXXX. At that time I had talked to the bank 3 more times explaining the situation. The last time they refused to go to XX/XX/XXXX where the problem started so they could keep my overdrafts. There are XXXX overdraft and XXXX extended. I would be {$830.00} in the black if they refunded all. They refunded XXXX, which did n't get me from overdraft. Do n't they have to keep correct books on your accounts? Or can they just take what they want when they want. Everything that is social security direct deposit and I have gotten paid twice @ {$1300.00} each. The have gotten all of that and I am still overdraft of {$640.00}. I would like for everything to go back to XX/XX/XXXX and replace all the money they took with malaise of forethought for a struggling XXXX on XXXX. They were causing me terrible stress because I missed 2 payment of my car and the company was going to repo it. I hope you can help me I have no other place to get it.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/2023, XXXX XX/XX/2023, XXXX XXXX XX/XX/2023. 

I've asked the Experian to remove the fraudulent accounts and inquiries from my credit report, they did not even open and ignored my CFPB COMPLAINT ID : XXXX. They did not even attempt to look at the complaint notice and I know my rights under the FCRA.
Product: Mortgage

We had our mortgage thru XXXX XXXX XXXX and was paying {$1900.00} on XX/XX/XXXX our new statement went to {$1600.00}. In XX/XX/XXXX our mortgage was sold to Seneca Mortgage Servicing and payment remained the same {$1600.00} until XX/XX/XXXX we received a letter from Seneca Mortgage Servicing stating as of XX/XX/XXXX or payment was going to increase to {$2200.00}, unless we paid a shortage of {$4000.00} plus add PMI back on which would still have our payment go back up to {$1900.00}. We had no clue what was going on so we called Seneca Mortgage & they said there was a shortage on our escrow which they paid when they took over loan in XX/XX/XXXX, so we then called XXXX XXXX XXXX and they acted as if they had no clue as to why, then after several attempts to talk with someone concerning our loan they said there was a computer error back in XXXX that dropped our PMI and lowered our mortgage payment so for a year we paid what was in our statement each month from XXXX XXXX and also Seneca. In XX/XX/XXXX we paid Seneca the {$4000.00} plus took our mortgage payment from {$1600.00} to {$1900.00}. We was told by both mortgage companies there was nothing we could do nor was either willing to work with us on a problem on there behalf. Is there anything that can be done about this?
Product: Credit reporting or other personal consumer reports

After reviewing my credit report I've found inaccurate and incomplete information This account was paid and closed but never late please update asap All three credit report are reporting inaccurate Such as 2 late 30 day late payment for experian XXXX 60 days late for XXXX for XX/XX/2019 and XX/XX/20XXXX XXXX
Product: Vehicle loan or lease

Synchrony bank Fraudulent account. Release the Lien or I'm going to file a federal lawsuit for a {>= $1,000,000} against you for violations of TILA, tax fraud, fraud, aggravated identity theft, extortion, theft by deception, intentional act of fraud, GROSS MISREPRESENTATION and etc. Attached, 1099 A, 1099 C and UCC lien. 

Any agreement that was not fully disclosed to me. Such a contract or agreement is null and void, as if it never existed at all, and all to return to the lawful owner plus reasonable money and interest. I am not obligated by any contract or agreement obtained under conditions of fraud, deceit, or non-disclosure. No consideration, False advertising such as advertising " loans '' based on the customer 's own credit. Wherefore there can be no payment of debt. Only discharge of debt, acceptance and return for discharge. Please correct the billing error for {$32000.00} paid in full. I'm going to write a complaint to the Attorney General, Better Business Bureau, FTC and send you a notice of default giving you 15 days for my payment. I will be filing a lawsuit against your company for a million dollars in damages etc! My million lawsuit against XXXX XXXX for FDCPA violations XXXX XXXX XXXX XXXX XXXX XXXX case # XXXX I agree to pay any financial obligation which I might lawfully owe, on the condition that you provide : 1. Validation of the debt- that is, the actual accounting.

2. Verification of your claim against me. A signed invoice or sworn affidavit.
3. A copy of the contract binding both parties ( XXXX XXXX and XXXX XXXX ). 

1. I need full Disclosure. I was not told that I was actually creating the credit. 
2. Equal Consideration, XXXX XXXX brought nothing of value to the table and XXXX XXXX had nothing to lose. 
3. Law terms and conditions were based on fraud!

4. The wek ink signature of both parties.

Wherefore there can be no payment of debt. Only discharge of debt, acceptance and return for discharge. Please correct the billing error to pay in full and release the lien in your system with motor vehicle. 

Re : XXXX Account # XXXX, VIN # XXXX, Make : XXXX XXXX XXXX, Model : XXXX, UNIT IDENTIFICATION # XXXXXXXX XXXX  XXXX and MOTORCYCLE acct # XXXX, Make : XXXX XXXX, XXXX XXXX. 

XXXX XXXX XXXX XXXX Civil liability. Civil liability for willful noncompliance. XXXX U.S.C. 1681o - U.S. Code - Unannotated Title 15. Commerce and Trade 1681o. Civil liability for negligent noncompliance. 15 U.S. Code 1640 - Civil liability with respect to any failure to make disclosures. 15 U.S.C. 1611 - Criminal liability for willful and knowing violation. 

united states constitution article 1 section 10 Clause 1 Treaties, Coining Money, Impairing Contracts, etc. 
No State shall enter into any Treaty, Alliance, or Confederation ; grant Letters of Marque and Reprisal ; coin Money ; emit Bills of Credit ; make any Thing but gold and silver Coin a Tender in Payment of Debts ; pass any Bill of Attainder, ex post facto Law, or Law impairing the Obligation of Contracts, or grant any Title of Nobility.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon looking at my credit report, there is infomation reporting that I have no relation to. As you know, my credit report, UNDER FCRA, must be accurate with each agency. Negative fraudulent information reporting that is damaging to a consumers report, must be removed within ( 4 ) business days. This information has hindedred me in obtaing more credit, in order to build my credit profile.

According to FCRA 609 ( E ) Fraudulent information reporting to a consumers credit report MUST be removed within ( 4 ) business days of receipt of this information.

According to FCRA ( 609A ) you must provide me with the ORIGINAL signed contract ( also referred to as WET COPY ), between me and the creditor that you claim that I owe a debt to. If you can not provide this information IMMEDIATELY, the information listed in this report must be REMOVED. PLEASE NOTIFY EACH AGENCY REPORTING THIS INFORMATION AS MY CREDIT REPORT MUST BE ACCURATE UNDER FCRA. 

This agency is in direct violation of the FCRA. FAILURE TO COMPLY WILL RESULT IN A LAWSUIT AGAINST EACH PARTY INVOLVED, INCLUDING ANY AGENCY REPORTING INACCAURATE INFORMATION. 

XXXX XXXX XXXX {$90.00} XXXX Simons Agency Inc- {$130.00} XXXX XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX- {$910.00} XXXX Collection Account- {$56.00} XXXX The following inquiries are done without my consent and are in error. This is a direct violation of the FCRA XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Us Small Business Admin Oda XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX Adress that are not mine XXXX XXXX XXXX XXXX XXXX XXXX , NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX MY ONLY NAME IS XXXX XXXX XXXX , PLEASE REMOVE ANY " ALSO KNOWN AS '' NAMES THAT YOU HAVE LISTED
Product: Credit reporting

I contacted the Bankruptcy Court asking their method of verification and they responded saying they do not verify or validate any information to the credit bureaus. The credit bureau refuses to remove the information although they specifically told me they verify personally. This is a direct violation of my consumer rights and I would like the false information removed immediately from my report.
Product: Credit reporting or other personal consumer reports

Despite my sending a copy of my Texas Driver 's license, latest utility bill, and social security card in my dispute to Transunion to verify that it is from me, I received the following : " We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. '' This is not the first communication that I have made to them. A simple check in my account should reveal that I have been active of late to correct items that I believe to be reporting incorrectly on my credit report. It is unreasonable in my opinion with these facts and the items I included in my dispute letter that it would be coming from a third party. I have responded to them, but I am very concerned with the statement that they are not processing my request. As I understand from XXXX U.S. Code 1681i ( a ) ( 1 ) ( A ), " if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. '' A simple reading of this does not give them any recourse other than to investigate even if the letter came from a " reseller '', which as I stated, it did not.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXXwas never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 those account 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 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: Checking or savings account

When I went to use my card, it was declined. I called the bank and they said it was because of a Fraud alert. I waited two or three days calling Time After Time not much satisfaction. They said they were closing the account and I would get a check in the mail 45 to 60 days on acceptable my money for that long
Product: Checking or savings account

Long story very short this is the third time that I have to do this on your page. I opened up an account three years ago. My funds are still there. The fraud department is not giving me the runaround and then not willing to help me. I submitted what they needed And theyre still give me the runaround. I need your help to access my funds. They sent me a letter stating urgently that I need to use my funds if not that were gon na get sent to unclaimed properties of Texas. I followed up with them regarding the letter they sent and there giving me the run around!
Product: Credit card or prepaid card

I have a J Crew credit card through comenity. Earlier this year, after paying off the balance, a low dollar interest charge racked up months in fees- without notice- and I did not notice until my credit score was dinged.

Now, unaware that I had a balance ( zero emails, texts, calls, mail ), I have found out I am late again - only to find out after reporting to the credit bureau.

I have worked very hard and have a perfect payment record except for this unnecessary blemish and am devastated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian lowered my credit score in retaliation for disputing an email alert they sent to me. 
On XX/XX/2020, Experian notified me that they had raised my credit score by 3 points to XXXX. On XX/XX/2020, my credit card company which uses Experian data, reported that my credit score was now XXXX. On XX/XX/2020, I received an email alert from Experian that my credit balance had been reduced on one of my accounts. I pay off my credit cards every month and have never been late on a mortgage payment. I have never received a notice like this before. When I logged into Experian, I learned they were reporting on my mortgage. They had apparently erroneously reported my mortgage as a credit account. My mortgage goes down ever month with my monthly payment but is never reported as a credit decrease. On XX/XX/2020, I disputed that information so Experian would see their miss-classification. Instead, on XX/XX/2020, Experian sent back the information on the report on my mortgage that I had always paid my mortgage on time and that they were lowering my credit score by XXXX XXXX from Exceptional to Very Good. By some miracle, I was able to talk with a person from Experian who told me I couldn't be in the Exceptional group because I didn't have enough accounts. I have had a FICO score above XXXX for years with the same number of accounts. The only thing that changed in the 12 days after Experian raised my credit score was that I filed a dispute regarding their alert error. My credit score was lowered solely because I filed a dispute. The date of the change made that quite obvious.
Product: Credit reporting or other personal consumer reports

XX/XX/2023. {$1300.00} I tried to contact them, but they would not give me any information because I did not give them my Social Security number and verify the address that they had on file because again I am a victim of fraud