23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

XX/XX/XXXX Used my Capital One credit card to purchase XXXX XXXX roundtrip flight for my daughter XXXX from XXXX XXXX to XXXX, XXXX for University XXXX XXXX program for {$690.00}. 

XX/XX/XXXX XXXX flew XXXX to XXXX, XXXX for her U.XXXX   program. 

XX/XX/XXXX I contacted XXXX XXXX to change ticket return due to program cancellation by XXXX government. XXXX rebooked return flight to XX/XX/XXXX and I paid {$130.00} for fare difference. 

XX/XX/XXXX I received XXXX XXXX email cancelling flight-unable to reach XXXX XXXX by telephone or at airports. XXXX booked flight on XXXX XXXX  ( which cancelled ) and then paid for second return ticket on XXXX  XXXX. 

XX/XX/XXXX I submitted written dispute via Certified Mail to Capital One for return portion ( half ) of {$690.00} ticket charge or {$340.00}. I also spoke with Capital One telephone agent regarding refund for cancelled XXXX flight and was required to submit additional Capital One form by email or fax. 

XX/XX/XXXX I submitted Capital One form for reimbursement of {$340.00} by email with supporting documents including XXXX ticket receipt, XXXX email re : flight cancellation and US Department of Transportation Enforcement Notice stating " obligation to refund passengers for cancelled or significantly delayed flights. '' Capital One later credited my account for {$340.00}. 

XX/XX/XXXX Capital One rebilled the {$340.00} transaction without written notice to me for the XXXX flight. On XX/XX/XXXX, I again submitted the Capital One form and supporting documentation regarding XXXX XXXX  flight cancellation via fax and Certified Mail. 

Additionally, XXXX XXXX responded to my refund request on XXXX XXXX website stating that the refund was unnecessary due to the credit card chargeback by Capital One. Also, XXXX XXXX has still not resumed service to/from XXXX, XXXX from the United States as of XX/XX/XXXX. 

Finally, I believe that Capital One 's actions on rebilling this transaction mirror their actions when went through months of communication, letters, and calls to reverse charges made in error by Capital One for XXXX XXXX  tickets that were refunded in XXXX but rebilled by Capital One in XXXX and XX/XX/XXXX before my statement period ended. Capital One 's actions have lowered my credit scoring according to its own credit monitoring service, XXXX XXXX, along with other credit monitor services. Capital One 's actions in the XXXX flight cancellation, as well as prior actions in the XXXX XXXX  flight cancellation, have negatively affected my application for my first home mortgage.
Product: Bank account or service

On XXXX XXXX, 2015, Wells Fargo had my checking account available balance listed as {$670.00}. I withdrew {$500.00} from the account, which left a balance of {$170.00}. The receipt generated after my withdrawal showed the available balance as {$170.00}. The next day, it was clear that Wells Fargo incorrectly listed my available balance too high and a downward adjustment was made. The lower balance appears to be correct. However, I was charged a {$35.00} overdraft fee for the ATM withdrawal. I should not be penalized {$35.00} fee because Wells Fargo incorrectly listed my available balance as too high. At the time of the withdrawal, there were no pending transactions that would bring the available balance down. As a result, it 's clear that Wells Fargo incorrectly calculated my available balance. The receipt generated after the ATM withdrawal in question will show a positive balance before and after the withdrawal. I ask that the {$35.00} fee be returned.
Product: Credit reporting or other personal consumer reports

I am including a copy of the letter submitted to Wells Fargo, and the response from the company for your review. 

On XX/XX/2023, I contacted Wells Fargo about increasing my current credit card limit. Over the nearly 10 years I have had the card, I periodically call Wells Fargo with this request to increase my credit balance, and subsequently, my XXXX XXXX. During the call, I was told that Wells Fargo would require certain information, and that depending on the results, a credit report MAY be necessary and that I will be notified if it is needed. I have received the same disclosure each time, Wells Fargo has never needed nor performed a hard inquiry on my credit report for a credit line increase request. At some point during the process on XX/XX/XXXX, a hard inquiry was performed. I only learned about the hard inquiry after I received a notice from my credit monitoring service. I sent a letter to Wells Fargo on XX/XX/XXXX, informing them about the hard inquiry and telling them that I never agreed to a hard inquiry on my credit report. 

On XX/XX/XXXX, I received a response letter from Wells Fargo. The letter, purportedly drafted on the federal banking holiday of XX/XX/XXXX, says that Wells Fargo determined that the hard inquiry was proper as an " application for an account requires us to review the credit file of the applicants for credit determination. '' I did not apply for an account ; I already had an account. To the extent that Wells Fargo considers a credit line increase a " application for an account, '' and that a hard inquiry is required whenever a consumer requests a credit line increase, than Wells Fargo 's chosen language that a credit report " may be necessary '' is deliberately misleading if Wells Fargo 's position is that it will always be required for such requests. Either way, I did not consent to a hard inquiry and would not have proceeded with the credit line increase request if I had known that it would have results in a hard inquiry.
Product: Mortgage

Dear Consumer Financial Protection Bureau, The reason why I am contacting you is because my mortgage company PHH Mortgage Services has made a mistake and is forcing me into an escrow account. 
Due to the Pandemic situation, and for this first time, I got delay with my taxes. On XX/XX/2020, I received a letter from PHH attached, saying if I do not pay the taxes for the amount of {$6400.00} to them within 30 days they will set up an escrow account as part of my monthly payments. So in order to avoid that I called them on XX/XX/XXXX ( Ref # XXXX ) to place the payment over the phone and I was told that since I have a disbursement of {$800.00} in my account the amount that I had to pay was {$5600.00}, which is the amount I paid that day. 

Now, a month later I received my new monthly bill which increase from {$1500.00} to {$2200.00}. So I called right away and the reason for this increased, and they said that I did not paid the taxes which I did on XX/XX/XXXX ( see proof attached of the email received after payment ). After proving to them that I paid the taxes, they told me that by mistake they misplaced my payment and it went into my principal and told me to give them about 2 weeks to fix the problem. They called me again today XX/XX/2020 XXXX ( Ref : XXXX XXXX XXXX Escalator Manager XXXX ext. XXXX ) saying that the {$5600.00} was reapplied toward the taxes but the other {$800.00} they couldnt because it was not an actual disbursement, it was a late fee for my taxes. Then I asked him why was I told that I had a disbursement and I didnt need to pay the full amount just the {$5600.00} and he said that it was a wrong communication from them. 

So from that point I told him that I will send them the {$800.00} to clarify the account due to their mistake, and he told me No XXXX, I am sorry but you are already enrolled in escrow account and there is nothing we can do about that. At that point I got very upset, they made a mistake with the amount they told me to pay over the phone ( minus the disbursement ), and now theyre acting like they never told me that. Why would I pay {$5600.00} instead of the {$6400.00}? They misplaced my payment toward the principal, and told me to pay a wrong amount So basically they pushed me into an exaggerated escrow account impossible for me to pay, with lies and mistakes made on their behalf. 

I really appreciate your help to this matter. 

XXXX XXXX Loan # XXXX Property Address : XXXX XXXX XXXX XXXX Fl XXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint to report a potential violation of the Fair Credit Reporting Act ( FCRA ) by MACYS/ CITIBANK Specifically, I allege that MACYS/CITIBANK has failed to comply with the following provisions of the FCRA and its regulations : 15 U.S.C. 6802 : This section requires financial institutions to provide consumers with a clear and conspicuous explanation of their right to opt out of having their nonpublic personal information shared with nonaffiliated third parties. I have never received such notification from MACYS/CITIBANK. 
12 CFR 1016.7 : This regulation reiterates the consumer 's right to opt out of information sharing at any time. I am hereby exercising this right and formally opting out of any further disclosure of my nonpublic personal information to any nonaffiliated third party by MACYS/CITIBANK. 
This failure to comply with the FCRA has potentially caused harm to my privacy and negatively impacted my consumer report. I request that the CFPB investigate this matter and take appropriate action to hold MACYS/ CITIBANK accountable for their potential violation.
Product: Payday loan, title loan, personal loan, or advance loan

On Tuesday, XX/XX/XXXX, I applied for a personal loan of {$800.00} through XXXX  XXXX XXXX. Went through the process of sending paystubs, proof of income, and all the typically required documents. 

I received a call that evening stating Blue Mountain Loans needed to see my transaction to XXXX of {$120.00} posted to my account. 

On Wednesday, XX/XX/XXXX, I supplied the screen shots from my bank account showing the charge has posted it. I sent two variations showing it was hard posted to my account. It is unclear why I had to do this when they had linked to my bank account three times at this point. 

I received an email from Blue Mountain Loans on Wednesday at XXXX XXXX stating " Hi XXXX, this is XXXX. Your loan is approved for {$800.00}. Before funding, can you please confirm you have review all banking information entered to ensure funds are set to your bank account? Thank you! '' I responded confirming all my banking information is correct at XXXX am. 

I also received a text from XXXX XXXX at XXXX am with the exact same verbiage as the forementioned email. 

That same day ( Wednesday XX/XX/XXXX ) I received a call from XXXX XXXX XXXX asking for information from my XXXX loan. I asked if they were affiliated with XXXX and was told no. However, I provided to provide screen shots of my payment history with XXXX. During this call I was told everything was good and I would receive the funds by XXXX same day. 

Then I receive another call saying they need to show it has paid? I asked again if they are affiliated with XXXX XXXX to which XXXX XXXX answered XXXX. I asked why they needed this, couldn't get an answer. I asked for a supervisor and my request was not met. 

I called again as my screen shot on my payment history shows the payment for XX/XX/XXXX to XXXX was zero and my Bank account screen shots AGAIN to be told it's not enough they need XXXX to show it as paid to receive my pay out on the approved loan. 

This is going on day three, upon further review all that is legally required to is my banking information, social, and proof of income which have all been provided and obviously led to my " approved '' status. There is no clear answer as to why XXXX XXXX XXXX needs any information on a loan outside of them and that they are not affiliated with. 

I signed an agreement to pay {$3000.00} to borrow {$800.00} due to being stuck in a hard place and the weekly payments to XXXX XXXX outlined in the XXXX XXXX are less than 10 % of my weekly pay. 

I wake up to an email from XXXX XXXX at XXXX am stating now my loan is " pending final approval '' and that approval is not guaranteed and dependent upon " underwriting guidelines ''. 

The company is asking for information not pertinent to them nor my loan or agreement with and to Blue Mountain Loans. The " Goal Post '' keeps moving further and further back and coming off as deceitful practices and creating unnecessary practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX XXXX XXXX and to all 3 credit agencies. XXXX removed the account but XXXX and Transunion is still reporting false information of a debt that do not belong to me. This debt was created as a result of identity theft. I have submitted to them identity theft forms and they still have not remove this account from my credit profile. I would like your help in getting this matter resolved. Please fine this company or have them remove this account from my credit file.
Product: Student loan

This complaint is about the misinformation given by and the extent to which Mohela has bungled my application for PSLF for the past 1-1.5 years. I submitted the complete application and had already ( as per their insistence ) consolidated and signed up for a IDR plan in XX/XX/XXXX. Because of the pandemic my employer ( federal agency ) could not sign the employment certification so as per Mohela 's instruction I submitted to them my W2s for the relevant period in XX/XX/XXXX. 
Thereafter, under the " Documents Received '' tab documents I sent showed the following dates : my PSLF application ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ),. Also, " PSLF '' showed " Forwarded to XXXX XXXX '' dated XX/XX/XXXX. I called periodically for a status update and was eventually asked if I had access to the " Form Status '' tab, which I did not, and was told that it should have been there, someone on their end did not do what they were supposed to, and a request for me to have access to that tab would be " expedited ''. When I did get access to the Form Status Tab it said that my application had been received and was in process XX/XX/XXXX, to allow 90 business days to process and a notice would be sent upon completion. In XX/XX/XXXX it said my application had been processed and a notice had been sent and to allow 7-10 business days for the notice to be received. 
I waited through the holidays and called Mohela in XX/XX/XXXX. A Mohela representative told me that Mohela was not processing applications due to the legal challenge so I had to wait until that concluded. This turned out to be untrue. 
After the Supreme Court rendered its decision I called Mohela to inquire when I would receive the notice. I was told that Mohela did not stop processing PSLF applications during the legal challenge and that in order to proceed I would need to apply for a IDR with the representative over the phone. I objected because I had already submitted a IDR over a year prior online on the studentaid.gov website. His response was the rules had changed and in order to address my questions/situation I had to submit a IDR with him. After that was done, he said that nothing had been done with my application and I needed to go through the whole process a second time ( apologizing profusely ). He also said that my XXXX2s had not been submitted, which I disputed because the Documents Received tab said otherwise by over a year. As a result, it seems my application has been resubmitted for processing ( again ) with instructions to wait another 90 business days and I face the prospect of making payments on student loans that should have been forgiven a year ago. I expressed this to the representative and his response was that the payments I made would be refunded. In light of how Mohela has bungled my application I do not trust them to make refunds of any payments I make going forward. Also, Mohela assures that any benefits of the TEPSLF will iner to me because my application was submitted prior to XX/XX/XXXX but I do not believe them because now they are saying that my application was sent to XXXX for processing in XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I submitted dispute letters to XXXX, XXXX  and Transunion to delete inaccurate information from my credit report particularly a dismissed Bankruptcy showing on all 3 credit bureaus. XXXX and XXXX has responded saying they deleted it from my credit report while Transunion is refusing the same. Transunion has stated that they verified the bankruptcy and it is correct and belongs to me but i have yet to receive proof of that. I sent another dispute letter on XX/XX/2019 to Transunion to follow suit and delete like XXXX and XXXX  did but after being on the phone with them for an hour today and speaking to a supervisor I am being told that they will not process my most recent dispute because it's a duplicate. This needs to be deleted from my Transunion report because if the other 2 bureaus can't validate, how can Transunion and they use the same system.
Product: Credit reporting or other personal consumer reports

I have asked several times to have these errors removed and the credit reporting agencies refuse to do so.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date XX/XX/2019. Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : -XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

On XX/XX/XXXX, our mortgage was transferred from XXXX  to Specialized Loan Servicing ( SLS ). On XX/XX/XXXX, XXXX had executed a HAMP modification on our mortgage, adding to the principal balance {$23000.00} of deferred interest. Since the modification, XXXX correctly applied our principal payments towards the deferred interest as shown in the enclosed XX/XX/XXXX andXX/XX/XXXX XXXX Tax Statements : {$3000.00} in XX/XX/XXXX and {$6500.00} in XX/XX/XXXX leaving a deferred interest balance of {$13000.00}. SLS erroneously did not apply ourXX/XX/XXXX principal payments towards the deferred interest balance as shown in the XX/XX/XXXX SLS Tax Statement and form XXXX.

To alert them of the error on the XX/XX/XXXX SLS Form XXXX, we contacted SLS several times by phone in XX/XX/XXXX and XX/XX/XXXX and then provided SLS with copies of the XX/XX/XXXX XXXX  Tax Statements by fax on XX/XX/XXXX and by email on XX/XX/XXXX. After multiple follow-up calls, we received a written response from SLS on XX/XX/XXXX : " We have researched your account, and our records indicate that the tax reporting described in your dispute was not in error. '' We contacted XXXX XXXX about this on XX/XX/XXXX and they opened a case with SLS. After multiple follow-ups by XXXX XXXX, we received a written response on XX/XX/XXXX from SLS falsely stating " As our records do not indicate a current deferred interest amount, we are unable to determine any necessary updates to the Form XXXX  for tax year XX/XX/XXXX ''. Enclosed in their response was a copy of theXX/XX/XXXX XXXX Tax Statement which clearly shows in capital letters the " DEFERRED INTEREST ( ADDED TO PRINCIPAL BALANCE ) '' for {$23000.00} as well as the " PAYMENTS APPLIED TO PREVIOUSLY DEFERRED INTEREST '' for {$3000.00} in XX/XX/XXXX and {$6500.00} in the XX/XX/XXXX XXXX Tax Statement.

In spite of the false denial by SLS, our account does have a deferred interest balance of {$13000.00} : {$23000.00} of deferred interest added to principal in XX/XX/XXXX minus {$3000.00} and {$6500.00} of payments applied to previously deferred interest in XX/XX/XXXX and XX/XX/XXXX respectively as shown in the Tax Statements of XXXX, the previous servicer of our mortgage.

A fair resolution will be for SLS to apply our principal payments to previously deferred interest until the current deferred interest balance of {$13000.00} is exhausted and report it accordingly on Form XXXX since XX/XX/XXXX when SLS took over our mortgage.

Thank you very much for your help with this matter.
Product: Vehicle loan or lease

I submitted full payoff amount to the CEO of TD Auto Finance. I sent two certified letters with full payments under XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I havent got a response from them or even a call to discuss. I sent the full amount and I got centerfield return receipts.
Product: Credit card or prepaid card

Bank of America do not want to credit my account from XXXX XXXX XXXX XXXX.They awarded me the credit then reverse it. This was a one time purchase practice test for my son on XXXX XXXX XXXX XXXX for a test he was schedule to have in XXXX of 2018. I noticed on my billing statement for XXXX a purchase for XXXX from XXXX XXXX XXXX XXXX. I contacted my credit card company ( Bank of America ) and discuss this charged with them. When speaking with one of representative, I then found out that a past charged from XXXX was on my past billing cycle from XXXX XXXX XXXX XXXX. After speaking with one of the their representative the matter was not resolve. I proceeded to contact Bank of America and started a claim. Bank of America later sent me a corresponding reaching out through a letter disputing the matter. The second corresponding letter was to inform me the dispute was resolved and they are glad to inform me the credit was issue back on my monthly statement. I later got a letter stating they reverse the charge and advise me to continue to pay XXXX XXXX XXXX XXXX. I have been contacting the credit card company on this matter since XXXX. I been getting the run around with this matter from faxing, and mailing my proof of documents. To the case been close, to them reopen my status.They also mention that I cancel my card so the XXXX can stop shown up on my account. Now they are saying with me calling since XXXX and giving them the proof my case is close But I can send my proof again but it not going to help the statue will remain the same
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and Equifax continue to report these XXXX XXXX accounts incorrectly. The application acts as the security do I can not be late or owe a collection when the interest of the account settles all balances. The credit bureaus are violating federal law by reporting this information when it is not accurate. XXXX, XXXX, and Equifax are paid to furnish consumer information but you need the consumers written or expressed consent to provide this information. I have given no such consent to use my information to report negative information about me to damage my character and prevent me from obtaining credit that is my right. Produce any document with my signature that states I give you permission to use my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently found a billing issue when I reviewed my credit report. Billing mistakes are any arithmetic errors or other accounting mistakes on a statement, as well as the creditor 's inability to accurately reflect a statement, a payment received by the debtor, or a credit line given to the debtor, according to U.S. Code 1666 ( b ). In my opinion, the creditor did not send me a statement 21 days prior, hence there shouldn't be any late payments on these accounts. The list of disputed accounts that need to be fixed or corrected appears below. Please do so in order to report accurate and helpful information : XXXX XXXX XXXX Balance Owed : {$2000.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$1000.00} XXXX XXXX Balance Owed : {$320.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off the collection account for LVNV Funding in XXXX of 2019. After calling and emailing several times i was finally sent a clearance letter from XXXX XXXX XXXX whom did the collecting dated XX/XX/2019. 

When checking my credit report in XXXX and XXXX of this year they have the account showing open, XXXX balance and 120 days late.