23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In XX/XX/XXXXXXXX  our escrow amount was calculated incorrectly. 
Based on my calculations, I believed we paid significantly more at closing than we should have. This was also a result of closing costs being misrepresented to us, by XXXX, when we put the contract on the home. We found out later the agent used a closing est for a cash purchase versus a finance purchase. Closing on a cash sale is significantly less than a financed purchase. Therefore, when our mortgage amount went down in XXXX I thought it was due to overpaid closing cost. Due to XXXX XXXX incompetent escrow calculation in XXXX, we now have an escrow deficiency of {$7100.00}. Since this error was Mortgage company for incorrectly calculating escrow, I have asked for the ability to pay back over XXXX months. This request was rejected as they will only allow XXXX. I understand I owe this month but also expect Lakeview Loan XXXX subsidiary of XXXX XXXX ) to take some responsibility for this error and allow a XXXX month payback. 

Initial Escrow Changes for XXXX : Mortgage amount in XXXX = {$1600.00} Mortgage amount in XXXX = {$3100.00} This is an increase of {$1500.00} equating to a an increase of approx 95 % The Company has allow a XXXX month payback which looks as follows : Mortgage amount in XXXX = {$1600.00} Mortgage amount in XXXX = {$2600.00} This is an increase of {$1000.00} equating to a an increase of approx 63.5 % I have requested that Lakeview Loan allow a XXXX month period to satisfy this error that they created. The request was denied. 

Can CFPB assist?
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I did not give written instructions to furnish this information on my consumer report, furthermore, the fair credit reporting act 15, usc 1681 ( 2 ) ( a ) states exclusion from a consumer credit report ( A ) Exclusions- Except as provided in paragraph ( 3 ) the term consumer report does not include information solely as a transaction or experience between the consumer and the person making the report. 

Also the information on the report is not valid it states I was current and up to date on the moth of XX/XX/2019, XX/XX/2019 And XXXX XXXX How was I 90 days pass do? Id was current those months before XXXX The documents I submit shows the same thing on my credit report on all XXXX accounts
Product: Vehicle loan or lease

I took a loan with Capital One Auto Finance in XX/XX/2017. I have made every payment on time. Capital One 's agreement was to charge {$230.00} per month. I signed up for this. Now after 11 months, Capital One is charging {$230.00} per month while NOT applying my payments to the amount due per month while taking interest payment. The loan has been paid ahead. Capital One has told me that I can not make payments more than 30 days in advance which MAKES ZERO SENSE. Their goal is to bilk the interest while penalizing me for paying ahead. They SHOULD NOT by law be able to take interest on the loan IF NOT APPLYING IT TO THE MONTHLY LOAN PAYMENT. They SHOULD NOT RAISE the monthly rate, as this was not deemed an adjustable loan, but a fixed monthly payment! I have asked several times why Capital One is doing this, and I get convoluted answers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : 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
Product: Credit reporting or other personal consumer reports

XXXX - ARVEST BANK ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX is reporting to XXXX that there is a balance owed on a personal account that I have never had a negative balance on. I did have a personal account with this bank, however, I have never had a balance, past due balance, or any such issue. They are reporting that I personally owe {$440.00}. I don't even have an account with this institution. I never used the personal account, and again, there was never a overdraft or negative unpaid balance on the Personal account! 


Source of Information : XXXX - ARVEST BANK ; XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Reported For : NON-SUFFICIENT FUNDS ( NSF ) ACTIVITY Reported Name : XXXX XXXX XXXX Reported Address : XXXX XXXX XXXX Reported SSN/ID : XXXX Drivers License : Date of Closure : XX/XX/scrub>XXXX XXXX XXXX XXXX XXXXXXXX Original Charge Off Amount : XXXX Closure Status : UNPAID
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian score is over XXXX point lower than the other XXXX majors credit bureaus, and references credit issues which do not exist on my current file to deny my credit applications.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

On Thursday XX/XX/year>, I logged into Mosaic 's portal to pay my loan payment as usual. I paid via ACH for the required payment amount. I noticed after paying that my interest rate in their portal was 4.49 % instead of the agreed upon 3.99 %. I thought this was odd, but I had cancelled autopay some time previously since it looked like they were going to draft my bank account for a payment that I had already paid. I didn't want to make double monthly payments.

I checked my loan agreement and didn't see anything regarding autopay in the loan terms. I did see that they would increase my interest rate by 0.5 % if I or they cancelled my ability to pay via ACH. I thought this was odd, since I didn't cancel ACH, I cancelled autopay, and those are not the same thing. Sure, companies can allow you to autopay via ACH, but ACH doesn't inherently mean autopay. As an example, my XXXX XXXX  payments were made via ACH. Other companies let you autopay via credit card.

I called Mosaic and discovered that when they say " ACH '' in my loan agreement, they actually meant autopay. I told them that they weren't the same thing, but they wouldn't correct my interest rate and back date it, because in their mind ACH and autopay were the same thing. They advised me to email their customer support, where they told me the same thing and stopped responding to my emails.

The biggest issue that Mosaic has is that they are confusing the terms ACH with autopay, even in their legally binding loan agreement. Refusal to correct my interest rate increase is in violation of my loan agreement and has directly led to financial harm in the form of an increased interest rate. If Mosaic wanted to punish consumers when they cancelled autopay, they should have used that language in their loan agreements.
Product: Student loan

I have found myself with extra medical bills following XXXX treatment and Navient will not allow me to ask for a forebearance while I get these medical bills paid. 

They call me 4 or 5 times a day about a payment that is not over 30 days overdue. 

I also will be anticipating some additional medical bills on an unrelated diagnosis that will push my further behind.
Product: Mortgage

In XX/XX/2016 suddenly I was assessed {$7400.00} in late charges by KeyBank XXXX XXXX XXXX. After several exchanges with KeyBank officials, I have not yet received a resolution. Attached are my statements which shows that prior to XX/XX/2016, there were no late fees.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX Date : XX/XX/year> To : SageStream , LLC XXXX XXXX XXXX XXXX XXXX, CA XXXX Subject : Request to Update Public Records with Phone Number Dear SageStream Support Team, I am writing to request an update to my public records in your database. Specifically, I would like my current phone number to be added or updated in your records to ensure the accuracy and completeness of my profile. Details to Update : Phone number : XXXX I have attached proof of my identity and documentation verifying my current phone number for your review. Please let me know if additional information or documentation is required to complete this request. I kindly ask that this update be processed promptly. Once completed, I would appreciate confirmation of the update to my public records. Sincerely, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX
Product: Mortgage

We tried to refinance with Mr. Cooper starting in XXXX of XXXX. It took over 3 months, a {$650.00} appraisal fee and the week of closing after receiving the Closing Disclosure in XXXX ; they pulled the plug on us and said they wouldn't complete it because we owned our business ; even though our debt to income is under 25 % and our scores are over XXXX. This surprise never should have happened at the XXXX hour. If there was an issue, it should have been disclosed early on in the process. During this time, interest rates increased .25 %, causing over {$5000.00} in additional interest costs over the new loan. XX/XX/XXXX was the last time I heard from our sales rep, XXXX XXXX, stating that we would have to go FHA which increased our interest rate and closing costs thousands of dollars. All reps including managers XXXX XXXX XXXX XXXX XXXX declined to return any of our phone calls. Now they have our application rejected and removed from our account. Their customer service is terrible and their incompetence & delay costed us thousands of dollars. We are in the Real Estate business and this sort of thing should never happen to consumers. 


XXXX XXXX XXXX XXXX
Product: Debt collection

Global lending services calls me multiple times a day and leaves voicemails. They call at least 3-5x a day and have exceeded 7x/week repeatedly. I have asked them to stop but they say my number is on an auto dialer.
Product: Mortgage

On Tuesday, XX/XX/XXXX, I wanted to remove my extra principal paydown from my automatic loan payment. Their site does not allow any adjustments to the payment and my only option was to cancel the automatic payment altogether and then re-setup it up with the new terms. The site said I had to wait 24-hour to setup up a new automatic payment. The next day, I tried to log on to setup the automatic payment, but their site ( XXXX  ) was down... COMPLETELY unresponsive. I tried again on Thursday, and again today, Friday. Same results. Looking up XXXX on XXXX  confirms that XXXX is down for everyone and has been for several days. People are trying to make their monthly mortgage payment but are unable to. I called ARC Home Loans ( who uses XXXX for the servicing of their conventional mortgages ) today and was told that the XXXX website is down and the representatives are unable to access our account information. I pressed through to a representative anyways and was told the same thing. Concerned that as we approach XX/XX/XXXX, I won't be able to make my mortgage payment because we wer never given payment slips and the representatives won't/ca n't give us any information about paying our mortgage any other way than through XXXX and they have not idea when/if it will ever be up and running again. At my wits end because I just want to pay my mortgage responsibly!
Product: Credit reporting or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT RE : Unauthorized inquiry to my consumer report ; demand for Deletion and {$1000.00} Settlement. 

To : Whom it may concern You are in violation of the Fair Credit Reporting Act ( FCRA ), [ 15 U.S.C 1681b ( a ) 3 ( f ) ( i )., for unlawfully obtaining my consumer report without my authorization or a permissible purpose under the 15 USC 1681 Fair Credit Reporting Act ( FCRA } and its guidelines for permissible purpose.

A person shall not use or obtain a consumer report for any purpose unless ; 1. The consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section. 
XXXX. The purpose is certified in accordance with section 1681b ( f ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( S.D. XXXX. 2003 ). 


XXXX XXXX XXXX ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

I have not initiated any transaction with Credit Plus, Further, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with Credit for review or collection.

Furthermore, under the FCRA, Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both, 15 U.S.C. 1681n ( a ).

15 U.S. Code 1681q - Obtaining information under false pretenses Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.

616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] ( a ) In general. Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; Specified Remedy : Please send payment Via Check Payable to XXXX XXXX XXXX XXXX XXXX XXXX Georgia XXXX Yours Sincerely XXXX XXXX
Product: Credit card or prepaid card

I took out a synchrony bank credit card to pay for a medical service, in the amount of {$5000.00}. in XX/XX/2017. The agreement was that if it was paid off within a year you wouldn't be charged any interest. Unbeknownst to me I must have inadvertently signed up for a card security program. Since I have other credit cards I've always relied on my credit cards to be secure. Thru XXXX XXXX they charged me {$400.00}. in 7 months to keep my credit card secure!. When I realized what they had done they did refund me the $ XXXX.but I'm very concerned for all the other consumers that are unaware of this predatory practise of charging one an enourmous amount of money to keep your credit card secure. I did pay my credit card off early so had no other charges and have closed my account. I will never do business with XXXX XXXX again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The XXXX, XXXX, and Equifax Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX  XXXX Balance Owed : {$270.00} ; XXXX XXXXXXXX Balance Owed : {$67.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$880.00} ; XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX Balance : {$96.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

On behalf of a client, I submitted a Request for Information under 12 C.F.R. 1024.36 to PHH Mortgage in XX/XX/2022 requesting a payment history, all loan modifications, and all operative loan agreements for the account. I included an authorization to request documents from PHH signed by my client. I sent this request to PHH 's designated RFI address. PHH responded with only copies of two loan modifications, but no payment history. 

I submitted a second Request for Information under 12 C.F.R. 1024.36 to PHH in XX/XX/2022 requesting a payment history on the account. I know that PHH received the RFI, because I received a return receipt for the RFI dated XX/XX/2022. PHH is required by law to respond within 30 days. However, I have still not received the requested payment history from PHH.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are still inaccurate items found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, XXXX and TransUnion was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified items without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to be corrected immediately : XXXX XXXX XXXXXXXX Account Number XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXXXXXX Account XXXX : XXXX XXXX XXXXXXXX XXXX  Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Credit card

Synchrony bank has been closing accounts that we use and lowering our credit limits on cards as we pay them down. This is causing our credit scores to go down unfairly!
Product: Credit reporting

This company has taken me to court and placed a judgment on my credit.The company name is XXXX ( XXXX ). I did obtain a credit card with this company, and had a debt with them years back. I purchased an additional plan with this card in the event where if I was unable to pay I would be protected. The charge purchased items on this card came to about a little over XXXX. My payments were XXXX dollars a month, and it did n't seem like the payments was going down. There were a period where things got behind. so then I began to use the plan that I purchased where it only benefit was for me to only pay half of XXXX dollars a month. Again no monies toward the principal. Making payments toward nothing seem like a trap you ca n't get out of. The worse feeling you can ever have, so when I stopped making the payments they filed an judgment in the XXXX county courts. I went to court and I agreed to only do XXXX dollars a month to their Attorney. ( XXXX ) that did n't work for me as well as I thought it would, so I loss track and contact to where and who to send payments. That is when they proceeded to garnish my check for a balance over! XXXX. the garnishment took about Three months to complete, And they have collected all of their money. the account is paid in full. It is still on my credit as an open account as well as a judgement. I do not think this company should continue to report this on my credit report after all I had to go through with them taking me to court and garnishing my payroll check for this extremely high rate credit card XXXX. My credit will never be the same for this mistake.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the furnishing of my personal information by your agency, as it has been done without my explicit written consent, in violation of the Family Educational Rights and Privacy Act ( FERPA ), specifically 20 USC 1232g.

Account name : XXXX XXXX  Accounts numbers : XXXX ) XXXX and XXXX ) XXXX As per FERPA, educational institutions must have written consent from a student before disclosing any personally identifiable information from their education records. I have not provided any written consent to [ Credit Reporting Agency Name ] to furnish my personal information to any third parties. Therefore, the dissemination of my personal information without my permission constitutes a clear violation of FERPA.

I request that you immediately : 1. Investigate this matter and provide a detailed explanation of how and to whom my personal information has been furnished.

2. Cease any further dissemination of my personal information without my explicit written consent.

Enclosed are copies of my identification documents to assist in your investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX SS # XXXX Dear Sir/Madam : I am contacting you about the compromising of my social security number. I am a Victim of Identity Theft. I contacted the Federal Trade Commission and filed a Complaint # XXXX and contacted the police department and obtained a police report # XXXXwhich both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX XXXX Account Number XXXX Account Type Credit card Individual Date Opened XX/XX/XXXX. {$1100.00} past due as of XX/XX/XXXX. 


XXXX XXXX XXXX  XXXX  {$6200.00} Paid, closed Date opened XX/XX/XXXX Loan Amount {$6200.00} U S DEPT OF EDXXXX {$0.00} Paid, closed Date opened XX/XX/XXXX Balance Loan Amount {$2300.00} Date opened XX/XX/XXXX Balance Loan Amount {$1900.00} Closed Date opened XX/XX/XXXX Balance Loan Amount {$4200.00} XXXX  XXXX  {$4600.00} Opened XX/XX/XXXX XXXX XXXX XXXX XXXX {$7800.00} Reported XXXX XXXX limit {$7500.00} Opened XX/XX/XXXX Amount past due {$7800.00} XXXX XXXX  XXXX XXXX {$5500.00} Opened XX/XX/XXXX XXXX XXXX  XXXX XXXX {$3700.00} Reported balance Highest balance {$3900.00} Opened XX/XX/XXXX XXXX  & XXXX XXXX Last reported XX/XX/XXXX {$3900.00} Reported balance Opened XX/XX/XXXX XXXX & XXXX XXXX {$1400.00} Highest balance {$1400.00} Monthly payment {$0.00} Opened XX/XX/XXXX XXXX XXXX {$6200.00} Opened XX/XX/XXXX XXXX XXXX {$5500.00} Reported balance Opened XX/XX/XXXX 2015