23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Besides the 8 % and the amount being outrageous on my parent plus loan, I feel that the current balance is incorrect. I have called and never get a straight answer. I 'm being charged interest on a higher amount. I have so far paid over {$19000.00} in interest and {$4000.00} towards the principal. My original amount was {$130000.00}, should n't my balance be {$130000.00}? They have my current balance at {$130000.00}, at this rate I will never get this paid down. This is usury at it 's best!!
Product: Mortgage

To : CFPB Director XXXX XXXX and Chief of Staff XXXX XXXX On XX/XX/2018 I spoke with XXXX ID # XXXX of the Consumer Financial Protection Bureau and XXXX I.D . # XXXX of CFPB who confirmed that Wells Fargo violated 12 CFR Part 1026 ( Regulation Z ) section 1026.20 Disclosure requirements regarding post-consummation events.

THIS VERSION IS THE CURRENT REGULATION ( a ) Refinancings. A refinancing occurs when an existing obligation that was subject to this subpart is satisfied and replaced by a new obligation undertaken by the same consumer. A refinancing is a new transaction requiring new disclosures to the consumer. The new finance charge shall include any unearned portion of the old finance charge that is not credited to the existing obligation. As stated on your website see https : //www.consumerfinance.gov/XXXX. Consumer Financial Protection Bureau advertise that you Enforce We take action against predatory companies and practices that violate the law and have already returned billions of dollars to harmed consumers. Although XXXX stated on a recorded line that Wells Fargo violated 12 CFR Part 1026 ( Regulation Z ) see https : //www.consumerfinance.gov/about-us/the-bureau/ 1026.20 Disclosure requirements regarding post-consummation events.

THIS VERSION IS THE CURRENT REGULATION Search this regulation ( a ) Refinancings. A refinancing occurs when an existing obligation that was subject to this subpart is satisfied and replaced by a new obligation undertaken by the same consumer. Current Wells Fargo loan # XXXX was not replaced by a new obligation nor undertaken by the same consumer.Instead original XXXX loan # XXXX was renewed and extended by different borrowers and purchased subject to with a signed seller receipt of {$17000.00} and deeds signed by XXXX XXXX. A frivolous default judgement has been entered in amount {$9800.00} which have causes us irreparable damages because of the rider to deed of trust renewal and extension exhibit. The service was not legally delivered, as a result the XXXX Appraisal District has changed owner name, taxes will become delinquent as it is not legal to pay taxes on an account without authorization see Texas  Property Code, the property is not marketable. Wells Fargo refuses to acknowledge fault, XXXX would like to help but does not have the support of his bosses. Will you enforce your rules on Wells Fargo as they reuse to give a valid reason for the renewal and extension beside protecting their lien interest and a general mention of Article XV1 Section 50 with no exact subsection, they do not seen to care about your laws in particular 12 CFR Section 1026.20 ( a ) Refinancings Disclosure requirements regarding post-consummation events.

? Will you keep your promise of consumer protection as sworn to office under oath? Is it true I need to complain 2,000 times to get the CFPB to enforce their violated rules per XXXX  of the CFPB?
Product: Checking or savings account

I have disputed the below 4 fraudulent charges listed to Chase Fraud Services on-line. I have received credit for one of 4 fraudulent transactions. I have had repeated conversations regarding same issue with Chase Representatives on Chase 's recorded lines on numerous occasions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request the suppression of these items from my credit report, which are the result of fraudulent item origination and identity theft. These fraudulent items should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of these items that do not belong to me which is reported erroneously. I am in desperate need of these items to be INSPECTED and removed. 


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, credit repair services, or other personal consumer reports

Hi how you doing, XXXX email me there is a hard inquiry on my report when I login to my XXXX XXXX  I see the company name XXXX XXXX XXXX XXXX XXXX XXXX, wI XXXX I never never heard about this people for this company never order by phone by mail or by the Internet we dont even have this company and my state Im afraid someone have my information or Trying steal my information I called him and emailed him no one is responding please tell me what can I do thank you very very much
Product: Mortgage

I have been working with a loan modification point of contact by the name of XXXX XXXX @ XXXX I have left her 5 messages and no return call so I called her mgr whom is XXXX XXXX @ XXXX left him 3 messages no return call I spoke to a lady at a Wells Fargo Branch In XXXX IN today and she told me on XXXX XXXX my home was put into Foreclosure with no notice from WF that my modification was denied not a phone call about it. Also no mail or phone call that it was put into foreclosure. I have been in my home for 28 yrs and been with WF for 20 yrs and I am all of a sudden getting treated like this. I have XXXX equity in my home and do not want to move or loose my home with this kind of equity. I ca n't refinance with another company because we are behind 13 months no company will do it. I have heard WF has lawsuits pending against them for foreclosing on people 's homes without cause or working with their clients. I have worried so much about this that last 7 months that 's how long it took the modification for them only to come back and say we were denied due to FHA guidelines that you can only have XXXX modification. I. A 2 yr period which I do not remember having another XXXX in this time frame. I would appreciate it so much if you can help me in any way possible. I am XXXX and do n't want to loose my house at this age and start over. This all started cause my husband had XXXX and was off work for 3 months with no pay so I talked to WF right away for help and of course they do n't care if we loose our home Thx again XXXX XXXX Loan # XXXX Phone number XXXX Available after XXXX eastern time
Product: Vehicle loan or lease

Had a loan with Santander consumer in XXXX and in XX/XX/XXXX my vehicle was stolen wrecked and damaged. The insurance company I had then XXXX contacted them got the settlement amount from what they had as blue book value and sent them a check. The same thing as my gap insurance done. They are mailing and calling now stating I still owe a balance which it was taken care of then. They have no proof to show that they didn't settle with my insurance company. I know they did because I had to give XXXX the okay when they came up with the total amount they emailed me the statement amount minus deductible, etc .... Then gap insurance was to cover the remaining balance after XXXX paid. Santander told me when I contacted them about it that, the gap insurance didn't pay the balance in full. Which I know they did! So now that I have called to complain they close the account on my credit file which hasn't been 7 years but it still shows closed with the balance they claim I owe. Then they stated they been collecting interest on it.
Product: Credit reporting, credit repair services, or other personal consumer reports

First, the account is paid in full. It belong to another company, XXXX. See the attached documents showing it is paid in full. 

Second, even if a student loan WERE open, Student loans CAN NOT be collected on, reported on even if they are defaulted, under COVID rules as of XX/XX/XXXX and that has been extended to XXXX of XXXX. Nothing had to be done to have that, it was automatic.
Product: Credit reporting or other personal consumer reports

I called your department after I purchased a credit report with XXXX on XXXX. 
After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that these were LATE CLOSED, COLLECTION and CHARGE OFF and COLLECTION accounts on my credit report. This is disappointing because I have been paying XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time just today I have a charge off and collection that I have never seen before, as well as this incorrect information on my personal profile but still youre not taking any actions. I have never with these accounts listed below, so please help me remove these late closed, charge off and collection, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. 
PLEASE DELETE THE FOLLOWING FRAUDULENT ITEMS : 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 resulted in a massive breach, along with transunion, and XXXX. my information has been exposed to the internet and these following fraudulent accounts need to be removed. 

I received a copy of my credit reports and am writing to dispute the following FRAUDULENT ACCOUNTS from information that appears on my XXXX, Transunion, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, 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: Checking or savings account

My direct deposit for XXXX XXXXXX/XX/XXXX has not been deposited in my checking account. Capital One sent an email on XXXX XXXXXX/XX/XXXX at XXXX EST stating that they were having issues with a third party vendor and that the direct deposit should be available on XXXX  morning. It is currently XXXX EST on XXXX and my direct deposit has still not shown up in my checking account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The Experian and XXXX Credit Reporting Agencies have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Experian and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX  Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXXXXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XX/XX/XXXX
Product: Mortgage

I'm a senior and a victim of wire fraud by Champion Mortgage! 
In late XXXX I requested a payoff figure on my reverse mortgage from my then mortgage servicer, Champion Mortgage. They informed me that my payoff would be {$170000.00} and that figure was good through the end of XXXX. On XX/XX/2020, I wire transferred the funds to Champion to pay off the loan. 
Eight days later, I received a letter saying my loan was being assigned to FHA with XXXX XXXX servicing the loan effective immediately. A mortgage assignment was filed with the XXXX XXXX XXXX on XX/XX/2020. 
My understanding is that under the Truth-In-Lending Act, I'm supposed to be informed of this prior to the transfer. That did not happen. 
I immediately called Champion to inquire about my {$170000.00} wire transfer. Customer Service at Champion rudely informed me they can't give me information because the loan had already been transferred to XXXX. They told me to contact XXXX. 
After trying for nearly a month and half to find out what is going on, XXXX finally informed me and my fraud investigator that FHA could not record a satisfaction of mortgage because I still owed an additional {$580.00}. I was told to send them a cashier 's check ( XXXX apparently doesn't accept electronic payments or wire transfers ) and I would receive a written letter saying the loan was paid in full within XXXX days in the event a satisfaction of mortgage was not recorded. 
On XX/XX/2020, I sent XXXX a cashier 's check for the {$580.00} via XXXX ( XXXX # XXXX ) The XXXX envelope was received on XX/XX/2020. 
I contacted XXXX on XX/XX/2020 to see if the payment had been processed and was transferred from XXXX to an FHA call center. The woman was absolutely no help and would not or could not give me a straight answer. 
To me a senior on a fixed income, this is wire fraud and Champion Mortgage stole my money!
Product: Mortgage

I recently closed on my loan, and my loan was quickly sold to Wells Fargo. 

Wells Fargo, without any reasoning or backup, changed my escrow withholding to be different than what is on my closing documents by about {$200.00} a month. The forecasts they used to justify this change are wildly out of line with closing documents as well as documented county tax information. 

They are telling me they will not adjust my escrow amounts due despite my having documentation of my closing estimates and my tax bills.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this Complaint via the CFPB to formally request an investigation and correction of the listed accounts that are inaccurate and incomplete on my credit file, as per the provisions of the Fair Credit Reporting Act. The Credit Bureaus ' current reporting is unacceptable. As per the Fair Credit Reporting Act, reporting must be 100 % accurate. If the Credit Bureaus can not ensure the accuracy of the information the Credit Bureaus are reporting, the Credit Bureaus must correct the accounts immediately. I demand that the Credit Bureaus take swift action to correct this matter, as any further delay or negligence will not be tolerated. I need the following accounts investigated and corrected as soon as possible : XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX Balance Owed : {$3100.00} XXXX XXXX Balance Owed : {$3000.00} XXXX XXXXXXXX Balance Owed : {$2900.00} XXXX XXXX Balance Owed : {$5000.00} XXXX XXXX Balance Owed : {$7900.00} XXXX XXXX Balance Owed : {$1100.00} XXXX XXXXXXXX Balance Owed : {$2300.00} XXXX XXXX Balance Owed : {$4000.00} XXXX XXXX XXXX XXXX Balance Owed : {$3200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Allow me this opportunity to thank you, the Consumer Finance Protection Bureau ( CFPB ) for protecting our consumer rights against these dirty, unethical and almost illegal credit reporting agencies, debt collectors, lenders and creditors. You are contributing nicely to protect us the consumers from the above-mentioned nasty and harassing entities. I was very upset and incensed when I learned that the Trump team reduced funding for the CFPB. I suppose Trump and his team should sit down and re-consider what they have done and reverse their bad decision. 

I am writing to you regarding a list of inquiries that has no business being on my credit profiles. I wrote to Experian and XXXX and mailed the letters out by certified mail with return receipt requesting a copy of my application-for-credit with my signature on it. No results so far from XXXX or Experian. They could not even care enough to send me a response. This is a gross violation of the Fair Credit Reporting Act. These corrupt credit reporting agencies are in bed with the greedy creditors and lenders ; they feed of each other. 

Please order XXXX and Experian to delete the inquiries as they are interfering with my ability to obtain credit and move on with my life. 

Thank you very much CFPB.
Product: Credit card or prepaid card

Hello, I have been a loyal American Express card customer for more than 20 years, and I have been accumulating membership reward points for many years now. So far I have around XXXX points in my account. I planned my trip with the points in mind to book my return flights. When I was ready to redeem the points to book the last leg of my flights, I got the message : This action will not be completed at this time because your account is currently being reviewed to make sure all eligible purchases meet qualifying criteria. Why????? 

It has been 3 weeks, I am still getting the same message. I called the Membership Reward program 4 times, and the 3rd representative helped me file a complaint, saying they will get back to me in 7-10 days by phone or email. Its been 2 weeks since, and nobody has called or emailed. 
Our trip plan is on hold and we are at risk of losing my already-booked tickets and reservations because American Express is holding my points without providing any information or explanation. 

If we can not use the reward points why did you make them look available? We do use the points to plan trips, not just to look at them. And why are you holding all of my points? I only want to transfer some of the points that I accumulated a long time ago. Why cant I use them? Please explain! 

XXXX XXXX
Product: Checking or savings account

my debit card along with my wallet and ID was stolen and an unauthorized transaction was made on my checkings account with bank of america for {$1300.00}. i initiated a claim on XX/XX/2019, they then got back to me on XX/XX/2019 telling me that they are unable to pay because their records show the activity was authorized correctly ( which it was NOT ) i then reopened my claim and here we are months later with no resolution. i've called numerous times since my claim has been reopened, customer service assuring me everytime i call that my claim has been escalated, but here we are months later with absolutely no help or resolution. i have called them so many times and no matter what i either get lied to about a date on which my issue will be resolved, or they tell me that i just have to wait. it has been months and my money has been stolen. bank of america refuses to help me at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a recent latter from Comenity Capital Bank c/o PayPal Credit so I received the later XX/XX/2017 that  I XXXX XXXX recently requested to open a PayPal account. Our records show that I requested to open an account or make a purchase using PayPal Credit payment on XX/XX/2017 so ... This is fraud and hucking my account ... I do n't open any account in this day or nor have a PayPal Credit Card ... That day this state that I am opening an account is not true due to we are on Vacation and not intending to have a reason to have a new credit card or PayPal. So XX/XX/2017 at around XXXX XXXX I contact the Company Comenity Capital Bank c/o PayPal so the costumer service put me on hold for few minutes and gave me to another costumer service who just ask about my complain and said nothing regarding how to resolve or help me but instead after I gave my reference number just said nothing and hang the phone so when I am trying to call again nobody is answering ... Be ware to this kind of Bank to all who sees my letter ... hope to hear from your answer ... Thanks XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I sent {$300.00} on XX/XX/XXXX  through " friends and family '' at PayPal ... ..PayPal responded that the recipient received the money. When the recipient tried to collect, the recipient reported that PayPal froze their account. I contacted PayPal, who responded because I sent through friends and family, there was no fraud claim ability on my part. PayPal did not answer me when I asked if the recipient 's account was frozen.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit file is being blocked at Equifax this is a major violation as I am a consumer. I can't get insurance or buy a house because of these errors. See attached documents and unblock my credit file. Remove all fraud alerts or I will be forced to take legal action {$5000.00} per violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX XXXX I found out that my SSN and my wife 's SSN were part of the Equifax data breach via their web site https : //www.equifaxsecurity2017.com/am-i-impacted/ I have been trying to follow the instructions on their web site to place a freeze and to enroll in their identity theft service. However I have not been able to successfully place the freeze, enroll or other wise access their identity theft service. I have tried almost daily to verify that a freeze is on the accounts but I either get a server busy error or a message saying that they will send a verification email that never comes.
Product: Credit reporting or other personal consumer reports

I am a victim of multiple data breaches therefore, I would need all of the accounts on my credit report that have been exposed and compromised to be blocked and deleted pursuant to 15 USC 1681c-2 ( a ) immediately.

My Lawyer told me that this is my final demand regarding these accounts.

These accounts must be removed from my report immediately as they have been completely exposed, compromised, and negatively impacted due to data breaches and exposure to the dark web.