23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I review my account online. It states a certain payment for my loans. I receive statements with different amounts and when I pay what the statement says I then receive past-due notices for different amounts. I have only asked them to provide me with a payment and a due date and it is never consistent and I can't get any information regarding repayment of my loans.
Product: Debt collection

Caine & Winer got this collection from XXXX. My policy was $ XXXX, I stopped my progressive insurance on the XXXX of the 6th months because I did not want to renew because it was too expensive. Still they charged plus over charged me. Please check my screenshot. I do not owe them. I cancelled my policy on the first of the month because the renewal was too expensive. I called them. But the still charged me for 1 last months while I have XXXX when I called them, they said no body stopped my services, so they charged me anyway for 1 straight month. But even over charged. Because my payment was supposed to be {$240.00} They reported {$490.00} and I called them. They said I have to Caine & Winer, but hey I called them they be telling me if I don't pay my credit will be messed up. 

I have enough evidence to make a court claim, I don't ; but they have the power to sit in my report illegally for no reason to destroy my life and future in this system. 

Because they have too much power. I attached all the proofs of what I was paying and where price went up. It was a 6 months policy, I left it on the 6th month. But still they over-charged. They could charge me for the one day of the 1st of the month, but not for this much.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX AND XXXX HAVE AN ACCOUNT ON MY REPORTS THAT SHOULD HAVE BEEN REMOVED. I AM A VETERAN AND NEED THIS REMOVED. 
XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Wells Fargo Bank closed my accounts on XXXX XXXX 2022. I received the notification letter saying that money ( XXXX USD ) was transferred to my Bank accounts in XXXX ( XXXX XXXX ) on XXXX XXXX 2022 ( transaction confirmation : XXXX ). The bank officer said that I would receive money with a week, but I have not received the money yet.
Product: Checking or savings account

letter dated XX/XX/XXXX from XXXX XXXX is another lie again this accoun cliam that was filed in XXXX about atm card ending on XXXX was closed on XX/XX/XXXX and I never recieved a new card specially ending inXXXX. This claim was filed and on XX/XX/XXXX you approved the claim and stated the credit for {$1800.00} was permanent however I also contacted the bank and explained that whom ever did all this fraudelent was the same peson who withdrew on XX/XX/XXXX a {$600.00} tlr counter withdraw with license and a debit card ending on XXXX and on XX/XX/XXXX a counter withdraw of {$2100.00} and another for {$1.00} on same date with same identification. what bother me is the fact that the bank never consider the fact that I spoke to them and the claim included those counter withdraws with my license and the debit card ending on XXXX. I never had that debit card period and futher more based on the letter you sent dated XX/XX/XXXX stating that this fraud that took place had to be reported to the bank within sixty days claim # XXXX and that the claim was outside the time period this claim was initiated by the bank and use the 60 day to denied the claim to get away with it. HERE IS WHAT MY ATTORNEYS HAVE SAID IF SOME ONE USE THE XXXX DEBIT CARD AND THE BANK AGREED ON XX/XX/XXXX THAT THE ACCOUNT WAS USED BY SOME ONE AS FRAUD AND AGREED THAT THIS WAS FRAUD AND DID THE PERMANENT CREDIT HOW IN THE WORLD DO THEY NOT AGREE THAT THOSE WITHDRALWS WERE ALSO FRAUDELENT AND NOT MADE BY ME SPECIALLY IF THERE WERE NO FORM OF CONFIRMATION # XXXX ON THE ACCOUNT SPECIALLY IF A DEBIT CARD THAT WAS USE ENDING ON XXXX THAT WAS NEVER MINE OR NEVER HAD THAT DEBIT CARD AND NO INDICATION OF ANY TYPE ON THE STATEMENT AT ALL OTHER THAN IT WAS A TLR COUNTER WITHDRAW AND I COULD VERY EASILIY TRANSFER ALL AMOUNTS TO MY OTHER CHECKING ACCOUNT THAT HAD BEEN USE TO TRANSFER ALL KINDS OF CREDITS TO THE XXXX ACCOUNT.Ii CALLED AND REQUESTED COPIES OF THE CLAIM AND THE COPY OF WHOM EVER I SPOKE TO REGARDING THE 3 WITHDRAWS THAT TOOK PLACE ON XX/XX/XXXX AND XX/XX/XXXX. THE BANK HAS BEEN TRYING TO GET AWAY WITH WHAT HAS TAKEN PLACE. SPECIALLY IF ALL IF ALL I NEEDED TO DO WAS THE TRANSFER AND CERTANLY NOT ON A TLR COUNTER WITH A DRIVER LICENSE AND DEBIT CARD THAT I NEVER HAD AND IS THE BIGGEST LIE THAT HAS TAKEN PLACE ON AN ACCOUNT THAT WAS DONE FRAUDENTLY AND APPROVE BY THE BANK. SPECIALLY IF THE BANK WAS THE ONE WHO CLOSED THIS ACCOUNT SPECIALLY WITH A {$2100.00} AND ANOTHER FOR {$1.00} ON SAME DATE. THAT IS CRAZY AND THAT IS WHY MY LAWYERS ARE VERY INTERESTED.
Product: Debt collection

I sent a letter to AAMS LLC requesting specific information to validate the accounts theyre reporting on my credit report and have yet to receive that information. They are violating my HIPAA rights! They are reporting medical information without a HIPAA Authorization form which is illegal. How are they able to get my private medical information without my consent? I am ready and willing to file litigation if this matter isnt fixed immediately.
Product: Credit card or prepaid card

I applied for the XXXX XXXX XXXX on XX/XX/18 and was informed via email on XX/XX/18 that a decision had been reached on my application. I logged into the website and it listed my application as declined, stating that I would receive a letter in the mail with further details in 7-10 business days. When said letter did not show up as of XX/XX/18, I called customer service on XXXX and was asked to call back on XX/XX/18 if I did not receive the letter by then. I called back on the XXXX, explaining that the letter still hadn't arrived and was informed that a new letter would be sent out. I have not received either letter as of XX/XX/18.
Product: Mortgage

I am filling a complaint with our mortgage company on a residential investment property that we purchase in XXXX, the name of our mortgage company is Mr. Cooper Mortgage, and in wish a few months ago had a name change, from Nationstar MortgageXXXX XXXX To, Mr. Cooper Mortgage. 
The problem is that Mr. Cooper Mortgage ( Nationstar Mortgage ) have refused to comply with the court order from our chapter XXXX bankruptcy that was filed on XXXX XXXX, it was confirmed on XXXX/XXXX/XXXX, it was Discharged on XXXX/XXXX/XXXX, and it was closed on XXXX/XXXX/XXXX. The court order for Nationstar Mortgage was confirmed at XXXX at 5.25 % interest rate for a amortized 30 year loan with the first payment beginning on, XXXX/XXXX/XXXX. Prior to our Bankruptcy being close and the reason our case took an extra year to close was because on XXXX/XXXX/XXXX Nationstar Mortgage sent us a preliminary notice of foreclosure stating that we were {$9100.00} in default, with an unpaid balance of, {$150000.00}, we filed sanctions against Nationstar Mortgage for failing to comply with the court confirmation order, and to properly apply our mortgage payments to the loan. 
On XXXX/XXXX/XXXX we filed sanctions against Nationstar Mortgage, on XXXX/XXXX/XXXX we reached, and signed a Settlement Agreement with Nationstar Mortgage, moreover Nationstar Mortgage paid out {$7000.00} toward our attorney fees, and we paid our mortgage co. ( Nationstar Mortgage ) {$3000.00} to bring our mortgage loan current. On XXXX/XXXX/XXXX the sanctions were dismissed because both parties had resolved our issues according to the Settlement Agreement. Soon afterwards our bankruptcy case was  finally closed on XXXX/XXXX/XXXX. 
From the date we closed our BK case till now XXXX/XXXX/XXXX Nationstar Mortgage, same as Mr. Cooper Mortgage has not corrected our mortgage loan, they have not send us any mortgage monthly statements, Mr. Cooper mortgage ( Nationstar mortgage ) has refused to comply with the court order, and our Settlement Agreement. 
I have contacted their customer service call center, and bankruptcy lost mitigation department every month, and several months every week, and twice per month in trying to get this mortgage company to get their accounting corrected. For the past 3 months they claim that it is in review for the cramp down, and settlement agreement, but they have had over 15 months since our BK was closed to correct our loan accounting, and to send us a monthly mortgage statement.
Product: Mortgage

I have been trying to apply for a modification for over a year with Wells Fargo. It has been a very stressful process due to the infinite excuses on why my loan does " not qualify '' for a " XXXX '' modification or any government modifications through my investor, XXXX, participates in all of them. I was approved for the " My City '' modification a few times but the payments were only {$200.00} less from my original mortgage payment, plus I was not granted any principle forgiveness so, I had to appeal. In XX/XX/XXXX, I spoke directly with XXXX due to Wells Fargo slamming me with " sale dates '' and denying my loan over and over again. Through XXXX, my application was reopened so I was able to reapply in XX/XX/XXXX. I asked to be reviewed for ALL government modifications that my investor participates in and again, they denied me due " not having enough income ''. How is it my income was never an issue when I was approved for the " XXXX '' modification? I was told that if there was a change in my income, then I could reapply. I appealed their denial, submitted proof of extra income that I receive through rent, but Wells Fargo denied my appeal as well. I tried applying again with the change of income, but I was told that no matter how many applications I submit, I will no longer be reviewed for any modification, not even an " in house '' because " I applied too many times ''. I was told in the past that I can apply as many times that I needed to as long as it was before the deadline, XX/XX/XXXX. To add more to my distress, I was given a sale date for XX/XX/XXXX! I am so frustrated with Wells Fargo. I feel as if they just do not want to work with me. My wife had an accident at her job which caused us to fall behind because with both of our incomes we were set and on time with all our bills. We have XXXX daughters we provide for as well. I did not fall behind due to poor money management! My wife is receiving XXXX due to her accident but it is not even half of what her monthly income was. I thought Wells Fargo would understand that these type of situations are not foreseen. My wife suffers XXXX and is constantly crying and blaming herself for our mortgage trouble. How am I supposed to explain to her that our home is going to sell XX/XX/XXXX? I was not planning on packing my things during the holidays. I was hoping Wells Fargo would provide me with an affordable work out option. I am so overwhelmed. PLEASE HELP ME!
Product: Checking or savings account

On various dates, someone used my debit card to make unauthorized purchases at XXXX and XXXX XXXX XXXX  for a total of {$350.00}. I called Navy Federal Credit Union on the night XXXX XXXX, 2024 to file a claim explaining that I was not the person who made the purchases on my debit card. At XXXX am  on XX/XX/XXXX, without contacting me, NFCU emailed me to state that my claim had been denied. Obviously, no investigation into my claim was made since NFCU denied it without contacting me and within a few hours of receipt.
Product: Checking or savings account

We alerted Wells Fargo bank that we had received an email from Wells Fargo on XX/XX/year> that my wife 's debit card had been approved for an increase of our daily limit to {$10000.00}. As we had not made a request to increase our limit, we immediately looked at our accounts and saw that {$9500.00} had been taken from our accounts ( checking/savings ) and sent to an XXXX XXXX account. We immediately contacted Wells Fargo and filed a fraud claim. On XX/XX/year>, I went to our local bank and was told that our accounts had been fraudulently accessed and we needed to close the accounts. We did so and opened new checking and savings accounts. On XX/XX/XXXX, we received a letter saying that our fraud claim was closed with no resolution and we had no appeals. We have been victimized XXXX... XXXX  by the criminals that was able to steal my wife 's debit card info and illegally steal {$9500.00} and a XXXX time behind Wells Fargo 's unwillingness to do what was right and restore our funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXXXXXX XXXX, AZ XXXX XXXX there is some inaccurate information reporting. XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 3. Identity Theft XXXX XXXX XXXX  Account Number : XXXX As a consumer by law this account must be deleted 4. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX 5. The following personal information is incorrect Account Number : EMPLOYER : XXXX 6. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX 7. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed these fraudulent inquiries on my Equifax credit report and I've disputed them several times with the company and Equifax and they are still stating these are mine without properly verifying. Please remove the following fraudulent inquiries immediately, thank you. 

Hard Inquiry Date XXXX XXXX XX/XX/2021 XXXX XXXX  XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted this company via XXXX  because of an error on my report. The account is resolved but yet it is still reporte only to find The company is CLOSED and the agency XXXX will NOT release the error from my report. XXXX XXXX has confirm the amount as XXXX and should be removed however it is being being report by XXXX According to FCRA it is error and should be deleted from my report. They can verify the account because the business CLOSED and XXXX XXXX has not authorized the release because of the absence of receiveing a response from a company whom is CLOSED for business confirmed via the XXXX. See below. 

********************************************************************************************** RE : Complaint ID # XXXX Dear XXXX XXXX : Thank you for contacting XXXX XXXX XXXX serving the XXXX XXXX ( XXXX  ) for assistance with resolving your dispute regarding XXXX XXXX XXXX XXXX. 
A copy of your correspondence was forwarded to the company ; however, XXXX  was unsuccessful in reaching the company for a response due to one of the following reasons : The company has confirmed to be out of business The company is believed to be out of business The company can not be located At this time, XXXX  regrets to inform you that we can be of no further assistance. If you wish to pursue this matter further, you may try contacting your local Attorney General 's office or the Bankruptcy Court. 
The company 's XXXX  Business Review has been recently updated and is available online at XXXX, or by calling. 
XXXX  appreciates that you took the time to contact us. Your experience with the company will be kept in XXXX  files for three years as part of this company 's record. 
Regards, Your XXXX XXXX XXXX
Product: Mortgage

Franklin American was purchased by Citizens Bank last year. on XX/XX/XXXX, the servicing of my mortgage loan was transferred to Citizens One Home Loans. I did not see the change and my XX/XX/XXXX payment was automatically sent to Franklin American Home Loans. To date, Franklin American Home Loans has not sent that payment to Citizens One to credit the mortgage account. I have attempted to contact Franklin American to determine where that money went, but I get an automated response that states my  account was transferred, then the call ends.
Product: Debt collection

I am filing a complaint for requesting unnecessary documentation to validate a debt. Requesting : Original Creditor : [ Provide the name of the original creditor ] Debt Collector : Date Opened : [ Date ] Date Closed : [ Date, if applicable ] Date Account Sold : [ Date, if applicable ] Date Charged-Off : [ Date ] Date of First Delinquency : [ Date ] Date of Last Payment : [ Date ] Balance : [ Current Balance ] Also requesting payment ledger ( statements, etc. ) and records of communication if applicable, also contract/agreement with creditor
Product: Mortgage

not long ago i approached my lender company to assist me with lowering down my monthly mortgage payments, making them aware that i had lost my job and was not able to keep up with the current payments as i clearly began to fall behind on my mortgage. for months i went along with providing them documents needed. when they gave me the call to provide me the GREAT news i come to find out all they did was raise my payments higher by XXXX   dlls. i dont understand how that makes sense in any way. i made my point very clear that i was having financial issues and all they did was make my payment go higher. i am now trying to apply again or them to lower my payment and they refuse to review my financial situation or mortgage at all. i have not made a payment since they gave me this ridiculous modification because i literally was not able to do so in the past i most definable can not do it now XXXX  more than what it was. at this point in time they refuse to help me and i am seeking all help possible for me to not be left on the streets. this is my home i worked very hard for and last thing i want to happen is to loose it because i was granted a higher payment that i can not afford. PLEASE HELP ME
Product: Credit card or prepaid card

I called Capital One to see why my applications were getting denied. They couldn't figure it out either. So they found a rogue credit card being used on my account or name. But I told them that couldn't be because I no longer have an account with them I have been locked up since XXXX. So there is no way that could have happened. They keep insisting that it was an account I had. I was definitely a victim of Fraud, I have trying figure this out since I got out of prison. I got out of prison XX/XX/XXXX. This card was open before my release date so obviously I did not make this happen.
Product: Mortgage

On XX/XX/2023 I was contacted by a mortgage agent XXXX XXXX  XXXX ) at Citibank who offered me a mortgage on my investment condo in Florida. After extensive questioning me he said I qualified for a {$250000.00} mortgage. I sent Citibank a deposit including money for an appraisal. After two months and hours to supply their requested documentation which supported everything I had told the agent are still suddenly requesting additional documents which are redundant to information already supplied. 
This is now the third month since my application and they now say I only qualify for {$160000.00}. I now feel that I have been scammed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company has been reached out to on many previous occasions in regards to reporting unverified information. I requested an investigation and have yet to be notified nor have I received a response.
Product: Mortgage

On XXXX XXXX, 2015 I applied for a housing loan with XXXX XXXX, the loan officer at Citizen 's Bank in XXXX, PA. I had already pre-qualified and found a property to purchase as an investment. I have great credit and was able to provide documentation as to the sources of income that would be used for down payment, closing costs, etc. The closing date was to be XXXX XXXX, 2015. But then, the bank decided to change the terms. On XXXX XXXX, XXXX called and said that I needed to have fire insurance on the property. I did obtain insurance even though I had been forced to sign an extension and at this point, we no longer had a closing date. After submitting more financial records, I was then informed that, since this was an investment property, I would need to have additional funds in addition to a 20 % down payment. They wanted me to have XXXX months mortgage " reserves '' for my home residence, for the property being purchased, AND for a rental property that I already own. This was NOT disclosed to me from the start, and even if I could come up with the extra reserves, the funds would not have been " seasoned '' enough for their liking. I then came up with a solution : since this property is nicer than the home I live in now, I offered to purchase the property as a residence to live in. That would lower the down payment and eliminate the need for reserves. With the loan officer 's assistance, we drafted a letter to the underwriter, XXXX XXXX, detailing the reasons why it would benefit me to buy this house to live in. She refused to restructure the loan and inferred that I was a liar. And while trying to do whatever I could to make things work, what followed was weeks of asking for more extensions, not answering my phone calls, and supposedly waiting for " paperwork. '' Then I was told that I could apply for a " family loan '' by purchasing the home for my son to live in. I was willing to do this, but several more weeks passed with no phone calls or correspondence ; except for our real estate agent asking for more extensions. Finally, on XXXX XXXX, it was suggested that they may have another lender that could help me. At this point, the contract would expire the next day and I decided to terminate the agreement. I had already spent close to {$1000.00} to obtain a property inspection and an appraisal ( requested by the bank ). In addition to the funds lost, months of time were wasted in which I could have pursued a different lender if Citizens Bank would have been honest from the beginning. This whole process was a nightmare. The regulations in place to prevent someone from getting a loan are ludicrous. However, the situation was made even worse by Citizens Bank for stringing me along while I spent money and made arrangements to occupy this property. And the other victim is the seller who was under the assumption that their home was being purchased and therefore, lost months of time that could have been used to market the property to other potential buyers.