23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

I am reporting how unfairly I have been treated by Wells Fargo Bank. 
On XX/XX/XXXX, I applied Paycheck Protection Program Loan ( PPP loan ) to Wells Fargo according to federal guidelines as solo proprietor, requested loan amount of {$31000.00} ( based on my average monthly payroll of {$12000.00} ). XX/XX/XXXX WF notified me that WF received my application. 
XXXX, WF Emailed : We are in the process of reviewing your PPP application If you agree with the eligible loan amount of {$8000.00}, please type yes. I did not understand well, replied yes for being afraid that if I did not reply yes, my application would have been dumped. XX/XX/XXXX, WF sent DocuSign Email, item # 2 printed Promise to Pay {$31000.00}, ( copy attached ) I signed and XX/XX/XXXX the {$31000.00} PPP Loan disbursement was deposited to my WF checking account. Two days later XX/XX/XXXX, {$31000.00} was removed from my account noting Reversal of PPP Loan Disbursement and {$8000.00} was deposited as PPP Loan Disbursement. 
Since then, I have called WF PPP Loan customer service XXXX multiple times : XX/XX/XXXX spoke with XXXX, XX/XX/XXXX called and left message, XX/XX/XXXX spoke with XXXX who acknowledged that WF miscalculated and said that I should have received minimum of $ XXXX. ( Conversation record attached ). XXXX said he would check with manager and get back to me. XX/XX/XXXX & XXXX, I Emailed all my supporting documents again. XXXX, I spoke with XXXX XXXX and was told by her that she would expedite it to underwriter since I had called many times. XXXX XXXX called and said he would investigate it. Nothing happened In brief, in the past 6 weeks, I tried multiple phone calls to get WF correct the loan amount and I kept on being told will Look into it. When I asked agents extension for follow up calls, I was told that I needed to call XXXX number. When I asked for manager, I was told that there was no manager dealing with PPP loan. 
Being very frustrated, on XX/XX/XXXX, I called again, spoke with XXXX XXXX, a loan adjustor. She asked me to send employee health care and retirement info which I did. No correction was done till today. 
Wells Fargo Bank failed to follow federal guidelines on proper calculation of my loan amount and when mistake was pointed out even by WFs own employee, WF disregarded their error and took no action in correcting it! Wells Fargo removed money from my account without my authorization! 
I am so disappointed that Wells Fargo mistreated a loyal customer like me and took away my financial assistance given by government! 
P.S. documents attached
Product: Debt collection

I had sent an email to Transworld Systems INC ( TSI ) they collect for the XXXX ( XXXX XXXX XXXX XXXX XXXX ) and don't remember the date, to say that the amount was incorrect. I received an updated letter with an updated amount that I am willing to pay. Today XX/XX/20, XXXX, XXXX, I called XXXX, XXXX to ask what is the process to update, an account and remove it from my credit report once it is paid. I got XXXX on the line and asked her what is the process. She wanted to verify my identity first and I asked her what difference does my identity make. I'm just asking about the process. From my phone number she verified my identity and affirmed my identity. She would not shut her mouth and listen, kept speaking over me, kept interrupting me and would not give me the information I was requesting. I just said forget it and hung up.
Product: Credit reporting or other personal consumer reports

have tried over XXXX times to set up account via website. I got to the end of the process and website says identity can not be verified. sends you back through process over and over. when i was finally able to talk to someone ( XXXX out of XXXX phone tries ) same issue. was given a case # XXXX and told to call back in XXXX hours. I did that but no access to company representative. voice menu over and over and over. still no account set up to freeze and unfreeze credit after trying for nearly XXXX weeks. credit is finally frozen through the menu but access to unfreeze or even freeze again is virtually impossible with their phone menu and inability to set up an account to do so easily.
Product: Mortgage

I got behind on my mortgage payments beginning in XXXX of this year. For this my home was in foreclosure processes but never foreclosed on. I filed loss mignation with the lender but was denied with no clear reason why when called and asked why it was denied. VA was informed of all this. moving forward. Since then, I was able to find a program with an agency called save a dream, that paid my full amount of XXXX but in the sum of XXXX as of XXXX XXXX, XXXX  that was owned to the lender. This total amount included ALL FEES, TAXES, INSURANCE and MORTGAGES FEES along with a one month in advance mortgage payment for the month of XXXX XXXX. When I contacted my lender PennyMac about overage payment of XXXX and why they were trying to charge me for late fees in the amount of XXXX they ( PennyMac ) refuse in giving me a clear answer and the answers were always different for the last one. They also increase my mortgage payments by XXXX dollars claiming it was because my insurance went up. After contacting my insurance XXXX XXXX, I immediately canceled them and got another insurance company XXXX which makes my mortgage payment much lower which I informed PennyMac of the change on XXXX XXXX, XXXX, but PennyMac refuse to do another escrow adjustment claiming my monthly payments will still be with the XXXX increase stating XXXX XXXX, XXXX. After talking with XXXX XXXX XXXX several times about this matter with PennyMac they can't understand why XXXX won't take that overage of XXXX and apply it for XXXX mortgage and what's left of that apply that amount to XXXX mortgage and would make up the different for XXXX mortgage, and they PennyMac shouldn't be trying in charging me of any late fees when the payment that PennyMaXXXX have received on XXXX XXXX, XXXX  covered all that. As of this very day XXXX XXXX, XXXX  PennyMac refuse to open the online payment portal, blocking me in making any types of payments with them online.
Product: Debt collection

XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear I.Q. Data international inc., This letter is being sent to you in response to a recent charge that was made on my credit report that I do not recognize.

Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you.

At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. 
If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated.

If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXXXXXX XXXX XXXX XXXX  XXXX, XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce. was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress, after several attempts to resolve this but was told different things each time. 

XXXX XXXX {$500.00} magically disappeared when I just transferred that morning before my daughter graduation party they ruined everything I couldnt pay for my daughter catering company or anything. 

Double payments of unauthorized for XXXX XXXX XXXX representative told me with a paragraph the funds was there and I explained it wasnt started a new chat, another representative stated I didnt receive but funds never showed up Tax Boss showed proof I never received the software from emails to the lady back and forth and she was able to walk away with that money As well as a staffing agency showed proof to them and again same exact thing they wanted proof only to tell you they denied your claim and the fraudster walks away with your money! They never helped with fraud, or anything!
Product: Student loan

I started paying my student loan in XXXX of XXXX. My original servicer was Sallie Mae. Navient took over and my payment history of over 10 plus years disappeared. After the Covid pause I will still be paying on the student loans. It was my understanding that after 25 years the payments would stop but they haven't. I worked for a non-profit from XXXX to XXXX and never received credit as well as the last two years I have been working for a non appropriated federal agency. I have not been given any credits. I have never been delinquent on my student loans. Everytime I inquire I am being given the run around and told that I did not start paying the loans until XXXX. This is untrue because I graduated in XXXX and started making payments 6 months later. Is there anything that can be done to assist me?
Product: Credit reporting, credit repair services, or other personal consumer reports

I got an unauthorized hard credit check on my account earlier today from Syncb. 

After searching online I found that some other people had the same issue and we're unable to fix it by calling the company and they would transfer the call in an endless loop. 

The final solution seemed to be reporting to consumer finance. 

I have no idea who this company is and why they have done a check on my credit.
Product: Debt collection

Today I got an email from a company stating " Southwest Recovery Services is a debt collector. 
We are trying to collect a debt that you owe to XXXX XXXX XXXX  dba XXXX XXXX Texas We will use any information you give us to help collect the debt. '' I verified that the debt that was assigned was actually paid already. I contacted the collection agency to advise them of the dispute and was told " the debt will remain in collection until XXXX XXXX tells them otherwise. good luck to you. '' and then the agent termed the call. I called back and spoke with a manager and he said proof of burden was on me, that i need a letter from their client stating it was an error otherwise collections will continue. I asked if i could send proof it paid to dispute. He said no, that their client needs to contact them then hung up on me when I told him they needed to provide proof of the debt becuase i have proof its not valid.
Product: Credit card or prepaid card

DO NOT OBTAIN CREDIT CARDS FROM HOME DEPOT, PROMOTIONAL OFFERS ARE ABUSIVE. 

Good Evening, I made a purchase @ Home Depot back in XX/XX/2018 for which we requested a credit card from the store to purchase some goods. The card was issued for credit of {$1000.00} USD which was used to apply a promotional offer of 6 Months No interest rate. I made my payments on time but I did not paid the full amount back within 6 months. Today is XX/XX/XXXXand I haven't had a change to review my account between XX/XX/XXXX and XX/XX/XXXX, and I got the surprise that back in XX/XX/XXXX I received a charge for {$130.00} USD for interests of the previous 6 months for a Balance of {$650.00} USD!!!! 
From my point of view this is completely unfair and was not explained when I obtained the credit card. THIS IS AN ABUSE. From my point of view when an bank offers something of this kind you start paying interests over the amount you have not covered starting from the date when the grace period is finished, but instead this company is charging me unfairly interests of 6 months over the balance of the account. I know they are going to say I signed a contract and I agree with it. Honestly this was not explained when we applied the promotional offer, is understood that you will start paying interest on the balance from the date the 6 month period expires. I did call the Home Depot Credit Card Department and it was usefulness, the executive neglected to make any changes to this unfair charge. 
Thank you for your time reading this comments.
Product: Checking or savings account

On the date of XX/XX/2019 XXXX XXXX  ( XXXX XXXX  ) I made a deposit into what I thought was a Navy Federal Credit Union Partner. XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX, XXXX, LA XXXX. I deposited a total of {$600.00} the ATM machine failed to return my money and instructed me to contact my financial institution in order to get my money back. The following day XX/XX/2019 I went into the XXXX  Branch in XXXX and they explain to me that my money was in fact in the ATM and it was out of balance, but in order to return my cash I would have to get Navy Federal to contact them to do so. So I submitted a complaint with Navy Federal with Supporting documentation and they failed to even research the first claim. So I called and resubmitted it with the SAME documentation as before and they finally responded. So they instructed me to get the ATM terminal ID. I went into the XXXX branch and two branch representatives gave the XXXX   rep the terminal number. I was told it could take up to 30 days I called twice a week for updates and I was told that I had to wait for visa to clear it and I believe that was only said to get me to not continue to address this matter. I waited for sometime and the status hadn't change. I called again and I was told they had the wrong terminal ID number. I don't know how could that be possible when the number was given to a rep for navy federal over the phone directly. Someone is not doing their job. All I want is my money returned to me now. its not hard to credit my account as they have been dropping the ball for almost three months. please fix this matter immediately for claim number XXXX thank you, XXXX XXXX
Product: Debt or credit management

I received services from Lexington Law some years ago and I was defrauded out of my money.
Product: Vehicle loan or lease

I did a refinance on a car in XXXX with another institution. I changed my mind and decided to stay with ally. The institution returned the title but ally never returned the money. I then traded the car in and it was paid off again but my account still says open and past due for a car thats been paid off twice. Ally admitted to receiving the checks and title. Im uploading a copy of my account number and pay off.
Product: Mortgage

I have filed multiple complaints against First American Title with the CFPB. The last complaint #  XXXX , First American failed to answer all of our questions truthfully and provide documentation as we requested. THIS IS NOT A DUPLACATE COMPLAINT! Per the CFPB directors office, if a company fails to answer all our questions or fails to provide documentation, we are allowed to file an additional complaint against the company until they respond accurately! We are currently exercising our rights to file an additional complaint against First American Title. We request that First American answers all of our questions truthfully and provide documentation! First ; First American stated in the previous complaint that the lenders instructions requested a copy of the Deed of Trust to be sent to the lender with the original being retained for recording. Does First American have the written instructions from   XXXX   XXXX   XXXX   collaborating your statement? If so, please provide the written statement from   XXXX   XXXX   XXXX  ! Second ; First American Title stated that they retained the original Deed of Trust for recording but sent the copies to   XXXX   XXXX   XXXX   prior to recording. Does First American Title have any additional records such as shipping and tracking information to prove that they sent our original Deed of Trust to   XXXX   XXXX   XXXX   after recording on  XXXX   XXXX  2006? If so, please provide documentation ( shipping information ) on the carrier that shipped this package to   XXXX   XXXX   XXXX   which contained the original Deed of Trust! Third ; please provide which carrier, date and tracking number used to send the original Deed of Trust to   XXXX   XXXX   XXXX  !
We are not harassing your company. We are seeking the truth and justice if any wrong doing has occurred. If First American provides the answers to our questions and provides the documentation that we seek, we will cease and desist all complaints. If First American fails to do so, these complaints will be provided to the District Court of Nevada in order to help identify any wrong doing and assist the State of Nevada to prosecute the person or persons that violated the laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a loan with Lending Club. When I became a victim of identity theft I called them and told them to update my personal information and to remove my email from the account so that the person who stole my account would not be able to access the account any longer. They told me they could not and continued to send my account information to the stolen email account. I refused to pay and they sold the loan to another company. I paid that company off because they were able to secure my personal information. I called Lending Club to have them correct my information by sending them the " paid in full '' notification from the company they sold this debt to. They refused. 
Lending Club sold this debt but still report it as a charge-off. I am being penalized twice despite having paid off the debt. They are an online company and are unable or unwilling to ensure that their customer 's information is secure.
Product: Mortgage

Indymac was the prior servicer on my mortgage loan. I applied for a modification and was approved in XXXX XXXX. The payments were changed from {$2900.00}. to {$2700.00}. I made the modified payments by money order to XXXX from XXXX XXXX until XXXX XXXX totaling {$33000.00}. The servicing of my mortgage loan was transferred to Ocwen Loan Servicing by XXXX XXXX. Ocwen did not apply any of the {$33000.00} in payments to my account and claimed that the {$33000.00} in payments were returned to me. Ocwen only returned XXXX checks totaling {$10000.00} and did not explain why they did n't permanently modify the loan. I submitted a new modification application to Ocwen in XXXX. They acknowledged receipt of the application but did not complete the review and did not send me a denial letter with an explanation. Ocwen instead commenced a foreclosure action in XXXX, which was discontinued in XXXX XXXX, for reasons I do not know. Ocwen then started a new foreclosure action in XXXX XXXX. Ocwen claims my loan was not modified.
Product: Checking or savings account

I placed a dispute with chime ( XXXX ) on XX/XX/XXXX. I gave paperwork and evidence by XX/XX/XXXX. A week later i was told i didnt qualify for provisional credit. 
From my understanding the law is 30 days. It has been beyond that. First it was 30, then 90 days. This isnt the first time, they never have any answers updates or resolution for any issue.
Product: Money transfer, virtual currency, or money service

XX/XX/19 PayPal didnt do anything Fraud for {$230.00} Of someone in a different country. 
There was no option to stop payment quickly or cancel transaction.
Product: Debt collection

XXXX XXXX XXXXXXXX XXXX said it was a mistake by the credit bureau. 
They did not report this, they stated they requested removal on XX/XX/year>. 
I was alerted by a credit company due to changes in my score. 

The alleged charge was 5 years and 5 months ago. I due not owe this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have hard inquires I did not authorize one onXX/XX/XXXX from " on site manager '' & two from " citizens bank '' onXX/XX/XXXX & XX/XX/XXXX, these two from citizens bank were supposedly for an XXXX, I was told by XXXX there would no hard inquiries & did not authorize them to do any.
Product: Student loan

I was contacted by XXXX XXXX XXXX XXXX XXXX, NC XXXX about a defaulted student loan. I was well aware of the loan status. I emailed the documentation, and made 5 required payments for rehabilitation, of {$65.00} each beginning XX/XX/XXXX. I was contacted XX/XX/XXXX with a wage garnishment notice from my employer. I was told that because we did not sign the tax document on the correct line, and signed at the bottom of the document, that our documentation was not correct. They also stated that there was not proof of the other student loan payment that I was making, although I sent the statement from XXXX, showing the payment amount of {$130.00}. When I contacted the company on XX/XX/XXXX, I was told that I would have the garnishment amount of approximately {$310.00} along with another 5 months of rehab payment, now at {$350.00} instad of the previous amount of {$65.00}.