23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have a mortgage loan with Santander bank, and have been having difficulties paying my mortgage since I lost my full-time job in XXXX. I was denied Loan Modification 5 times over the past 4 years, the most recent being XXXX XXXX. In XXXX XXXX, I received help from CHFA ( in the form of a Loan - with deferred payments ) and brought my account current. 
Because the mortgage loan was never modified - I am still paying an interest rate of 5.75 % and the payments are almost {$1600.00}, I fell behind again in XXXX. 
I continue to make payments, and on XXXX XXXX, XXXX I had made enough payments totaling one month 's mortgage. 
However, Santander DID NOT apply the payments to my account, but instead sent my information to an attorney to begin the foreclosure process. On Monday XXXX XXXX, I received a letter from XXXX XXXX XXXX regarding said mortgage. I also received - on that same day- a mortgage statement dated XXXX XXXX, showing the unapplied funds. I immediately called Santander and spoke with XXXX XXXX, who could not give a valid reason why they did not apply the {$1500.00} to my account. 
Subsequently the mortgage company refunded me in XXXX installments the XXXX for {$790.00} received on XXXX/XXXX/XXXX and the XXXX for {$800.00} received on XXXX XXXX, XXXX. 
Santander Bank, by their actions FORCED me into foreclosure to suit themselves. Instead of assisting me to keep my house they are trying to forcible take my house from me. 
I am also a Social Security XXXX recipient. 
I have a modification package which I will complete and return to them within the next few days. 
Please investigate. 
Thank You XXXX XXXX XXXX
Product: Checking or savings account

This is the follow-up complaint to the previous complaint I filed. Wise responded that they would refund XXXX from the balance. That's not the balance I had on my personal and company balance. After closing the account Wise representative sent me the final balance statements confirming there is a total of USD {$680.00} + AUD {$16000.00} + XXXX + XXXX across my personal and company multi-currency account. In addition to that, there were XXXX additional items in the statement named " manual adjustment by Wise '' for AUD {$1500.00} and AUD {$500.00}. This adjustment was never explained by Wise and is not confirmed to be legitimately applied. These statements were finalized as well as all transactions at the moment of my account closure. Attaching the statement from the Wise representative confirming that. Nevertheless, they refunded only XXXX. On my question where is the rest of the balance gone, they replied " It looks like reversals were processed for the senders of payments to your account ''. I never authorized such reversals and none of our clients applied for such. They evaded my question to provide any tangible proof that such reversals happened, when they happened, for what transactions they happened and most importantly - who authorized such reversals as I never authorized any. Since the closure of my account in XX/XX/year> Wise never reached me in regards to any reversals and never notified me if there are any. I'm attaching the screenshots of the communication containing the statements mentioned. All this seems like a fraud operation and Wise just stealing the clients ' money. There are many evidence of such that I found on XXXX and XXXX. I talked to victims of the same situation. The process is exactly the same. We are discussing filing a collective legal suit against Wise for running such a fraudulent operation.
Product: Vehicle loan or lease

I am writing today in regards to my account with Kia Motors Finance # XXXX. 
A late payment is showing on my report in XX/XX/2020. Due to Covid I was unable to make the payment in XX/XX/2020. An accommodation was made where fees were waived according to the Cares Act if any accommodations have been made no late can be reported. I did get this account current as soon as I was able to.
Product: Credit card or prepaid card

Bank/ Company : Synchrony ( For Mattress Firm ) I diligently make my monthly payments with Synchrony every month. In the month of XXXX I made my payment on XX/XX/XXXX in the amount of {$75.00} ( Min due was {$65.00} ). 
On XX/XX/XXXX I receive notification from Synchrony that I was past due on my account AND I was being charged a late fee in the amount of {$28.00}. 
On XX/XX/XXXX I called Synchrony to find out why my payment on XX/XX/XXXX was not applied to my XXXX bill. The Synchrony agent said that because I made my payment on XX/XX/XXXX which was the same day my statement was generated the payment was applied to the overall balance, but didn't count as my XX/XX/XXXX payment. 
I don't understand how a consumer can easily know that a payment made during a month may or may not post as their monthly payment due based on Synchrony 's crazy payment posting logic.

I made my XX/XX/XXXX payment in XX/XX/XXXX, but now I am being penalized because I made it on  XX/XX/XXXX instead of XX/XX/XXXX!? And I they charged a late fee? 
After pushing and arguing on the call with Synchrony I finally got them to waive the late fee. But an investigation is still warranted because Synchrony 's payment posting process if broken and I wonder how many other consumers were incorrectly charged a late fee because of their broken process!
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit report dated XXXX, from Equifax, they stated " validated '' for XXXX XXXX. As you can see, XXXX XXXX is reporting inaccurate information on all XXXX credit bureaus. How can they have verified anything when it's still showing inaccurate information. According to my rights, the CFPB and FCRA state I have the right to privacy and I have the right to accurate, verifiable information on my credit reports. XXXX XXXX and the 3 bureaus know what my rights are and they know their responsibilities when reporting and placing information on my credit report. I am having to do all this research in credit repair. I have been disputing this for months. Its a violation for sure.
Product: Debt collection

On XXXX XXXX they law firm started taking money out my check for a charge off debt in XXXX. They claim a judgement was filled in XXXX in a state I was no longer living in and didnt receive no notice. Now in XXXX they said they order another judgement for the charge off & fees for the lawyer of {$7000.00} plus courts fees of XXXX pluses etc fees totaling up to almost XXXX but the car charge off amount is only {$4000.00}. The bank is saying they have nothing to do with the lawyer and the account was sold to the law firm Bukaty. I reached out to the law firm and explained they couldnt do this because it was passed the limit of time and this was almost 30 years old.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit card balance hasn't updated in Transunion in over 50 days. I reached out to my credit card company and was told that updated information was sent to Transunion last month. Transunion said that they haven't received an update from this particular credit card company since XXXX. I was told by the credit card company that updated information is sent every 30 days. My XXXX and XXXX updated last month. Transunion has now issued a dispute on my behalf with my credit card company when my dispute is with Transunion not updating my credit report in a timely manner.
Product: Debt collection

Received a letter with company name in my mail on XXXX, called the company to inform them of fdcpa violation of putting company name on correspondence can inform XXXX parties of presence of debt. I asked for supervisor, his name was XXXX, he said they put their name on all correspondence and that we can agree to disagree on this being a violation. Informed him I will be reporting him to the fdcpa for the violation, he said go right ahead and laughed. I also have screen shots
Product: Checking or savings account

in XXXX I was receiving Unemployment benefits for the amount of {$2100.00} every two weeks. happened that for the weeks e ending on XX/XX/2020 & XX/XX/2020, I never received the Deposit regardless XXXX confirmed have sent to Bank of America. 
When I open a complaint XXXX XXXX XXXX XXXX ( Resolution Specialist ) from the regulatory Complaints from that Bank sent me a letter sent me a letter closing the complaint and off course backing ups her Bank, and also sent me my Bank Account Activity for such Debit Card BUT ONLY until XX/XX/XXXX!!! 
She never sent me the Debit card activity involving the weeks in complaint ( XX/XX/2020 & XX/XX/2020 ). I believe she sent that in purpose because they could NOT prove that I have received nor withdrawn such amount {$2100.00}. I replay to her email asking for the two weeks activity statement but she just ignored and never hear back from her. 
You closed the complaint ( XXXX XXXX XXXX ) as well giving for granted that whatever respond from that individual was accurate. 

Thank you!
Product: Debt collection

To Whom It May Concern, I am writing to inform you that there is no signed agreement between myself and JP Morgan Chase Bank XXXX. I have recently discovered that my identity has been stolen, and unauthorized accounts and transactions have been made in my name. This letter serves to clarify my situation and to formally dispute any such accounts or transactions attributed to me, specifically account number XXXX. 
Firstly, I would like to emphasize that at no point have I entered into any agreement, either verbally or in writing, with JP Morgan Chase Bank XXXX. I have not applied for or signed any documents to open accounts, apply for loans, or conduct any other financial activities with your institution. 
Upon reviewing my credit report and bank statements, I was alarmed to find an account ( number XXXX ) attributed to my name, with a total amount of debt owed being {$14000.00}. This account was opened and used without my knowledge or consent, which indicates that I am a victim of identity theft. 
To address this situation, I have taken several steps to protect my identity and rectify the fraudulent activities. I have filed a report with the Federal Trade Commission ( FTC ). 
Furthermore, I will be contacting the major credit bureaus to place a fraud alert on my credit file. This will be to ensure that no further fraudulent activities can occur under my name. I urge JP Morgan Chase Bank XXXX. to investigate this matter thoroughly and to take the necessary actions to remove the fraudulent account and associated debt from my records. 
I request that JPMorgan Chase Bank XXXX send me written confirmation that you have received they have received the dispute and that the account and debt in question have been removed from my name. Additionally, I ask that you provide any information you may have on the perpetrators of this identity theft, if available, to assist in the future investigation by the authorities. 
This experience has been incredibly distressing and has caused significant disruption to my financial stability and personal peace of mind. I trust that JP Morgan Chase Bank XXXX. will handle this matter with the urgency and seriousness it deserves, ensuring that my rights as a consumer are protected. 
Please acknowledge receipt of this letter and confirm the actions you will take to resolve this issue. I look forward to your prompt response and resolution of this matter. 
Thank you for your immediate attention to this critical issue.
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report today XX/XX/year>. I saw some late payments on this account XXXX XXXX XXXX XXXX They were supposed to be on time. Me and the creditor talked about " I wouldnt be marked late '' because I had things going on not because of the pandemic. I sent a letter to Trans Union to get this fixed but they still said everything is reporting correctly. But its not. Can you help with this situation. Thank you.
Product: Prepaid card

Charged for meal delivery of which never received. Cash-App declared the meal was delivered and I received it. I have screenshots of the driver declaring she was unable to find my house. Cash-App still refused a refund and then closed my account for being in violation of their policies. I also filed a complaint with the FTC.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S.C 1 681 section 602 A. States I have the right to privacy.

15 U.S.C 1 681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Delete this account immediately, unless you want to be held {$1.00} 000 per violation 15 U.S.C 1 681 section 602 A. States I have the right to privacy.

15 U.S.C 1 681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Delete this account immediately, unless you want to be held {$1.00} 000 per violation 15 U.S.C 1 681 section 602 A. States I have the right to privacy.

15 U.S.C 1 681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX Auto Loan Past due : {$24000.00} Late 120 Days XXXX XXXX Other Loan Past due : {$490.00} XXXX Chargeoff XXXX XXXX Other Loan Past due : {$3100.00} XXXX Chargeoff XXXX XXXX  Other Loan Past due : {$760.00} XXXX Chargeoff XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$11000.00} ChargeOff
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not owe any debt to this collector. While this collector did very a debt with a completely different company they do not and can not state that any debt is owed to them on my behalf. The collector issued a cease and desists on XX/XX/2023 but resumed reporting on XX/XX/2023. Please see attachments
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my OTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX XXXX, GA XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX Balance : {$0.00} ; DEPTEDXXXX  XXXX Balance : {$0.00} DateOpened : XX/XX/XXXX ; DEPTEDXXXX XXXX Balance : {$0.00} Date XXXX ; DEPTEDXXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX.
Product: Debt collection

Your company is currently reporting a negative listing to the three major credit bureaus ( XXXX, and XXXX XXXX XXXX regarding an alleged account. 
The erroneous status of your credit reporting agency records is unacceptable and is preventing me from obtaining the necessary financing. Pursuant to Title 15, Section 1666 of the United States Code, I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested.

Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months.

This information and documentation is critical and time is of the essence. Within less than thirty ( 30 ) days, I will be damaged partially because of the discrepancy with your reported records. The above-noted code requires your prompt response. Your prompt attention will be greatly appreciated. 

If you find that your information and documentation does not support the negative history reported to the three credit bureaus, I invite you to submit a completed XXXX XXXX XXXX to said bureaus in order to remove the negative notations. Upon removal of the negative notations, I agree to hold your company harmless from any and all inconvenience and/or damage related thereto.
Product: Credit card or prepaid card

I have just received a credit card through Citi Bank. The Custom Cash Card. And I used it once and immediately got locked out of the card and had to go through a verification process. After getting the card unlocked I used it again on a single purchase to wash my car then tried to use it at XXXX and it was again locked for suspicious activity. Called to try to unlock it and they have to send me a letter to verify suspicious activity again. I asked them if this was going to be and ongoing issue that every time I used the card once it was going to lock me out of the card and they hung up on me. I had to over draw my bank account to purchase the items I needed at XXXX. This is outrageous. I understand wanting to protect against suspicious activity. But not every time I use the card
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I contacted the bureaus regarding the inaccurate reporting of some accounts, one of which included an account from XXXX XXXX with an alleged owed amount of {$260.00}. A letter was sent to XXXX and Equifax using the METRO 2 Compliance Standards challenging the reporting of this account as XXXX had already removed it. I received their " debt of Validation '' showing how the account was verified as " valid '' however, I noticed that they were reporting 2 different service addresses with no unit number. I sent a letter to them on XX/XX/2022 in regard to the discrepancy and received a collection letter from XXXX on XX/XX/2022 in regard to the XXXX account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contacting you in regards to my credit file and the errors of fraudulent accounts that was placed on my credit file. I sent over several certified letters dating back to 3 months back XX/XX/2018 and it's been more than 90 days now where I havent received any documents of any original contracts with my signature on it from any of the 3 major credit bureaus, creditors, nor I didnt receive anything to date. I have placed an attachment along with my license and social security card. I am disputing these accoutns as fraudulent, I have no clue and who they may belong to. I am also disputing all the accounts on the attachment as an internal dispute. If you choose not to reply to this final goodwill letter before its up to you. This is my final attempt to resolve this problem.
Product: Mortgage

Back in 2008 I obtained a " predatory lending " loan from Wells Fargo. ( interest only ) My principal amount goes up every year. I have applied several times to Wells Fargo for a loan modification, with no luck. I need to do something before the bank takes my home. 
My first mortgage is $ XXXX and my second $ XXXX. Estimated house value {>= $1,000,000}. 
My income is {$4200.00} per month.
Product: Credit reporting or other personal consumer reports

The following personal information is reporting incorrectly on my credit report : Name : The correct spelling of my name isXXXX XXXX Current Address : My correct current address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Previous Address : The following previous addresses are wrong : Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX - The following personal information is incorrect- The personal data reporting is inaccurate.
Product: Student loan

XXXX Mohela sent me a statement with my loan balance because payments were resuming. I confirmed it online, and paid it off. 

XX/XX/XXXX Mohela sent me a {$0.00} statement with {$100.00} in added charges and interest since I paid off the loan which is inappropriate and incorrect XX/XX/XXXX I tried to call Mohela, no answer XX/XX/XXXX I emailed Mohela, they received it and the auto response said they'd get back to it within 3 business days XX/XX/XXXX I still haven't heard anything, Mohela sent me another {$0.00} bill adding interest yet again. 
XX/XX/XXXX I called Mohela, no response XX/XX/XXXX I emailed Mohela XX/XX/XXXX XXXX files this. It looks like they are having lots of similar issues. They are trying to financially ruin a generation for their own greed.
Product: Student loan

I've been trying to get approved for an IDR plan since XX/XX/2024. Mohela tells me over the phone that I'll be approved for a processing forbearance and then the website still shows payments due. It also says over the phone that I have payments due when I've already been told I'll be put on a forbearance. They refuse to help me over the messaging system, telling me that they are in the process of putting me on a forbearance which never happens. Trying to get a hold of them over the phone is almost impossible. They have no agents and make you wait all day for a callback at a random time. I'm working full time and can't sit and wait for a phone call. I need to be put on a permanent processing forbearance until my IDR application is approved and I shouldn't have to keep calling and messaging them daily to ask for this. They are giving me inaccurate information and completely mismanaging my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX and Im filing this complaint on behalf of myself and THERE IS NO UNAUTHORIZED THIRD PARTIES INVOLVED. I sent a dispute letter to Equifax on XX/XX/2021 pointing out the exact inaccuracies on my credit report only for them to not truly investigate the matter. Are they even truly conducting investigations or are they just automatically verifying things without conducting an investigation as required by law? No wonder President Biden wants to do away with the credit bureaus, they are useless!
Product: Mortgage

I am submitting this request based on three previous complaints asking the mortgage company to remove my PMI insurance. They denied all request based off stating my mortgage does meet the requirement when in fact does.
Product: Checking or savings account

I am writing to formally file a complaint regarding being charged for multiple overdraft fees to my account. These fees were assessed despite having sufficient funds available at the time transactions were authorized. However, due to delayed posting of charges and credits I was unfairly charged multiple overdraft fees. This issue appears consistent with recent findings by the CFPB which identified similar practices by navy federal credit union, where transactions settled with insufficient balances despite initially having adequate funds. I believe these actions are deceptive and unfair.
Product: Credit reporting, credit repair services, or other personal consumer reports

I settled my account with XXXX XXXX and it was supposed to be removed from my credit reports per my request and agreement when I made my settlement payment but on all of my credit bureaus it is sill showing a {$0.00} balance and has not been removed. 

Ability recovery account should not be in collections. The school was not supposed to send due to making payments to XXXX University as agreed upon with the student financial services department.
Product: Credit reporting or other personal consumer reports

Im still unable to remove the freeze on my credit on trans union and unable to reach a live agent, the voice recorder keeps hanging up after I enter my information and put me on hold then disconnect the call
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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