23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XXXX/XXXX/XXXX I spent over 2 hrs with Wells Fargo payoff and then transferred to Preservation unit regarding the {$92000.00} Permanent Forgiveness on my Deferred Principal after three ( 3 ) years of Good Standing per my Modification Agreement effective XX/XX/XXXX. As usual no one has a clue. See attached modified agreement. I 've contacted Wells Fargo many times over these past 4 years for other concerns to never get an answer. My other concerns were the continued Negative Amortization on my loan until agreement above, see enclosed XXXX/XXXX/XXXX statement ( Wachovia ) with monthly deferred interest still being applied. The National Mortgage & State of CA settlement in XX/XX/XXXX against Wachovia 's Pick A payment Option were too reverse these Neg. Amortization, from principal immediately and offer a modified agreement with new interest & principal with automatic XXXX award to all class member B which I was at that time. 
My other concerns Wells Fargo payoff could n't explain back in XXXX is the {$200000.00} deduction on XXXX Cancellation of Debt reported to IRS. Where this {$200000.00} was applied? Modified Agreement total with ( XXXX ) principals was {$390000.00}. 
The Neg. Amortization. was applied to my mortgage balance from XX/XX/XXXX through XX/XX/XXXX monthly, but not reflected in the {$390000.00} Modification agreement from a transfer balance of {$490000.00} ( OLD ).
Product: Checking or savings account

I received an unsolicited debit card in the mail from Chase Bank on XX/XX/2021. The name on the account is mine and even includes my businesses name underneath. The instructions on the card state that I should activate the card. I HAVE NOT ACTIVATED THE CARD. 

Part of the correspondence that arrived with the card states the following : " This card accesses the primary accounts listed below ( and further states an account number ending with XXXX ). 

Here is the problem, and the reason for this complaint, I have never opened an account with Chase Bank NEVER. And as a result, I believe this is either a scam, a case of stolen identity or a fraudulent practice on the part of the bank.
Product: Checking or savings account

I am a customer of Truist, and have been since XXXXXXXX XXXX XXXX I have had large paychecks direct deposited with no problem, but my last check was a physical printed check for over {$6000.00} from a company I contract for. They immediately froze the funds then today, locked me out of the account completely leaving me stranded and unable to purchase gas in a dangerous area. They said its an administrative hold. 

There is nothing fraudulent about me, my account, this printed check ( from a company thats been around for over 25 years ) and is through XXXX  XXXX XXXX. But I am treated to feel as though I did something wrong. 

This is unacceptable and has put me in a dangerous situation.
Product: Mortgage

On XX/XX/20 I sent an email to Flagstar with the following message. " Good morning. I'm reaching out as I was alerted that taxes were paid out a few days ago. On XX/XX/20 I sent in the Homestead Exemption form. I received confirmation it was received, talked with someone over the phone and told it was good to go, and even received an escrow surplus refund. Was this in error, or has something changed? I'm very confused by this. '' I did not receive a response, even after sending four more emails since then, yet I do receive confirmations that my email was received. My wife has since contacted Flagstar via XXXX, which honestly that experience was a waste of time, and almost as if we're speaking with a teenager. After many emails, and many XXXX messages, and longer than a month in waiting, we received not an email with an answer, but a voicemail with absolutely no information. We no longer have trust with Flagstar, and would like a response in writing. Flagstar has communicated with us in the past regarding property taxes and such, but for some reason there is now a refusal to do so. Most recently another concern popped up. We received two letters from Flagstar, one dated XX/XX/20 and one dated XX/XX/20, both were received on XX/XX/20. One came from TX and one from MI. Flagstar refused to explain why a letter dated XX/XX/20 did not arrive to our home until XX/XX/20, as there is no postmark on the letter. The letter dated XX/XX/20 stated we owed {$500.00} and some change and it needed to be paid by XX/XX/20, yet we received the letter on XX/XX/20. With us being in IL I do not see how it would take a letter ten days to get to me. It's clear the letter was not mailed on XX/XX/20.
Product: Credit reporting or other personal consumer reports

Information regarding these accounts are inaccurate. whether they are included in bankruptcy still reporting my credit report. I disputed these accounts and Experian has not attempted to remove nor correct any information, it just says consumer disputed, which I would like to be removed also These accounts include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Im requesting this derogatory remarks be removed or corrected immediately as it is affecting may chances of acquiring goals I want to achieve. Experian violated my rights as a consumer as well as federal laws
Product: Vehicle loan or lease

My loan was paid off XX/XX/XXXX and I received a paper stamped lien release then. In XX/XX/XXXX I went to sell my vehicle and Wisconsin law had changed to only electronic lien release. DMV told me that Nissan should be able to do in minutes. I called Nissan on XX/XX/XXXX 2 times. Called XX/XX/XXXX XXXX times, XX/XX/XXXX, XX/XX/XXXX ( that was the first time I was able to speak to supervisor ), XX/XX/XXXX 2 times. In all of those phone calls, I never once got a straight answer. I still dont have the release. I begged several times to talk to supervisors and I was denied. I was lied to multiple times, athird with, misled and felt I was treated very poorly. I was not given any explanations or time frame even after I explained that I was moving out of state and was on a strict timeframe. I was also in contact with WI DMV who were appalled that Nissan was not taking care of this and the DMVs only solution was that I would have to take Nissan to court to get the lien released that was already done almost a year ago, just now need electronically. I still have no resolution and lost the sale of my vehicle due to their negligence and incompetence therefore costing me {$17000.00} and a whole lot of stress.
Product: Debt collection

I am writing to initiate legal proceedings against USA Auto Sales, a car dealership, for breach of contract and significant damages caused by the sale of my contract to West Lake Portfolio Management, a debt collector, without my consent. Additionally, I am also requesting a copy of my title and to be added as the lien holder of this vehicle.

Factual Basis : As per our agreement, I purchased a car from USA Auto Sales, on XX/XX/2022 and I made payments according to the contractual terms. However, without my consent, they sold my contract to West Lake Portfolio Management, which was not stated in the contract. Moreover, upon contacting West Lake Portfolio Management, they confirmed that they did not have a copy of the contract in their possession. Unfortunately, when I attempted to contact USA Auto Sales on this situation, I soon found out that they went bankrupt.

Legal Basis : USA Auto Sales failure to notify me of the sale of my contract to West Lake Portfolio Management and failing to state it in the contract constitutes a breach of our agreement. Additionally, the unauthorized sale of my contract caused significant financial hardship, including aggressive and questionable activities by West Lake Portfolio Management. These actions demonstrate that USA Auto Sales acted negligently and in bad faith.

Monetary Compensation : I am seeking monetary compensation for the damages caused by the unauthorized sale of my contract, including the hardship caused by the aggressive debt collection activity of West Lake Portfolio Management. I am also requesting that the Court intervene to request a copy of my title and to be added as the lien holder of this vehicle. 
Based on the above, I hereby request that the Court permit this legal action against USA Auto Sales for its breach of contract and the damages I have suffered and continue to suffer as a result of their actions. I believe that they should be held accountable for their behavior, and I request damages to the maximum extent allowed by law. 
Please contact me if you require additional information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Brite Financial loan company has been paid in full due to insurance claim/loss, company continues to report to collections as account closed and not paid in full. Account has been pain on time and in full.
Product: Money transfer, virtual currency, or money service

I called this number ( XXXX ) that was advertised as a Chime customer service number, to get help with an issue I was having with transferring money to my account from my other banking Debit card. This person I talked to impersonated a Chime agent. They had me download an app called XXXX so they had mirror access to my phone screen. Then they had me go into my Chime account and show them what I was trying to do with the transfer. They had me transfer money from my chime savings and chime cash rewards account, to my checking, to see if that worked, They then asked me to go to the 'XXXX XXXX ' selection in the app and type in XXXX XXXXXXXX with a memo of updatechecking and told me it was to see if my services were working. They had me type in XXXX in the amount section and send it to them. Then proceeded to ask me if there were any places near me where I could deposit money into my account. They asked me to go to XXXX and call them at another number ( XXXX ) After all of this I then told them that I wanted them to send me the amount back and that I would figure out another way to deposit money into my account. They hung up on me, when I tried to call the XXXX number, it gave me a disconnected tone. 
I've tried calling the initial number back several times and they answer with a greeting saying they're Chime, and when I proceed to tell them my issue and that they've scammed me, they hang up on me. 
I called the number back on several occasions to see what type of response I get. One time I called they greeted with being Chime and when I asked if they were Chime they said no, that they were a pharmaceutical company. I have contacted Chime several times on this and disputed it 3 times now. With being denied the first 2 times. I have not received a refund for the {$290.00} and I'm getting nowhere with Chime. This number is still scamming people and I would like it reported and investigated.
Product: Credit card or prepaid card

This new complaint against Bank of America is related to complaint # XXXX XXXX I filed with you XXXX XXXX, XXXX, against XXXX XXXX XXXX I made payments through both these banks to XXXX, a company claiming to provide lifelong computer tech support monitoring. ( The first payment was a check from XXXX XXXX for {$750.00} - that is the payment I disputed in my 1st complaint to you. ). This new complaint is against Bank of America ; I made 2 VISA pymts through them to XXXX XXXX & XXXX, XXXX, totaling {$1100.00}. I did not discover this co. was a fraud until they called me XXXX XXXX saying they detect hackers on my computer which is not covered by the package I paid for- I need to buy a new pkg. I filed a complaint with CT Atty Gen office which said to file fraud charge with Bank of America- I did on XXXX. 
XXXX, XXXX. They sent me a letter saying I waited too long to report it- but these hackers wait months between calls asking for more money to fix hacks, so I had no way to know within 1 month, that this was fraud, so it was impossible to report it to Bank of America that quickly. Please help!
Product: Mortgage

Seterus Inc.took {$5000.00} out of my checking account without my permission. This occurred on XXXX XXXX 2015.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX : {$270.00}, XXXX XXXX XXXX XXXX : {$9600.00}
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 3 & financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

The collection agrncy called me and i offered to pay the debt in full. I Provided them with my bank account info to make the payment and asked if after i spoke with the original creditor if it was determined that there was a mistake if i would get a refund if the payment. The agent asked me why i would pay a bill i didnt owe and i informed her i was in the process of buyi g a house and coukd bot have a negative account reported on my credit report. She immediately put me on hold transferring me yo her supervisor of who i asked the questionagain and then told him that i was willing yo pay the accoubt in full with thr i go they had on file. He asked if i had a credit card and i stated no he yold me ifni wanted to get the new house i wanted i better get a credir card because he would not take the form of payment i was offering and hung up. The account is got a insurance policy i cancelled on XX/XX/XXXX. There was no attempt by the original credit grantor to collect payment and they sent the ccount to collections less than 30 days after the policy was cancelled and the collection agency contacted me in XXXX and had reported the account on my credit report by XX/XX/XXXX.
Product: Credit card

Continue case # XXXX. CHASE has failed to answer my statement that I phoned CHASE on XX/XX/2015 to block all charges from XXXX, and CHASE had promised me. But on XX/XX/2015 CHASE accepted a charge of {$360.00} from XXXX, and have me to pay for it. I denied this charge because XXXX had failed to provide good services to me.
Product: Debt collection

I reached out to Bounce AI but never received a response. Despite this, the company went ahead and filed a dispute with the credit bureaus on my behalfwithout my consent. As a result, my credit score took a hit. This was not only unexpected but also unfair, as I was not given the opportunity to approve or decline the action. I need this issue addressed immediately.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally address the ongoing presence of negative items on my credit report despite my repeated attempts to have them removed. In regards of providing thorough documentation and evidence to support the removal of these negative items, they continue to appear on my credit report. This persistent issue not only undermines my financial reputation but also poses a significant threat to my financial well-being. Moreover, I request compensation for the considerable inconvenience, stress, and potential financial harm caused by the presence of these negative items on my credit report. They have significantly impacted my ability to access credit, secure favorable loan terms, and pursue other financial opportunities necessary for my financial stability. I desire with you to prioritize this matter and take all necessary measures to ensure the prompt removal of these negative items from my credit report. Please help me remove these fraud items immediately : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone stole my ID and Social and later opened the following fraudulent accounts in my name : XXXX XXXX XXXX # XXXX Opened : XX/XX/XXXX Amt. XXXX XXXX XXXX # XXXX Opened : XX/XX/XXXX Amt. XXXX XXXX XXXX Opened : XX/XX/XXXX Amt. XXXX XXXX XXXX XXXX. 
Opened : XX/XX/XXXX Amt. XXXX XXXX XXXX Opened : XX/XX/XXXX Amt. XXXX I have already spoke to these companies and they have agreed to remove these fraudulent accounts. I have provided them with my Police Report ( Incident # XXXX ), I also provided them with my Identity Theft Report # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

4. ONEMAIN - XX/XX/XXXX - UNATHORIZED INQUIRY 5.  XXXX XXXX - XX/XX/XXXX - UNATHORIZED INQUIRY 6. XXXX XXXX - XX/XX/XXXX -, UNATHORIZED INQUIRY
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with XXXX XXXX # XXXX, # XXXX, and # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. Here is the list of items which do not belong to me or were opened without my permission. 
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 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 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 XXXXXX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt.
Product: Student loan

I submitted a previous complaint that I switched bank accounts on XXXX on autopay and on XX/XX/XXXX it still had not processed so I was not receiving the 0.25 % interest rate reduction. Edfinancial responded to my complaint and said there was a problem with my account, but they had fixed the problem and autopay and the interest rate reduction were effective XX/XX/XXXX. When I logged into my account they had put autopay back on my old account which is completely closed, not my new account. When I called to fix this and make sure it will be deducting from my current account I was told they will have to resubmit autopay and it will be another 1-2 months before I can receive an interest rate reduction. This is absolutely not okay. This is not my fault as I put in the correct bank account information and had even deleted the old account but somehow they managed to re-add the old account which is scary. I do not want to wait another 1-2 months to receive an interest rate reduction when this should be a simple fix that they just need to change the bank account to the correct one which again I had put in correctly originally.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never received a letter in the mail in 7 business days as Transunion said. This has also not been removed from my credit report. I am requesting that this dispute be reopened.
Product: Student loan

My student loan servicer is Edfinancial. On XX/XX/2023 or 335 Days ago I made a payment on one of my student loans, specifically, I paid {$1600.00} on loan 5 or Loan E. At this time Edfinancial transitioned from one website to another website platform. The payment I made on Loan 5 or Loan E never posted on the new platform. To this day it still shows I owe that payment in addition to the interest its accrued.

I have supplied screen shots of my bank statement where the money was removed from my account. I have also provided the confirmation number that Edfinancial gave me for the payment. This loan should have been paid off in full in 2023.

I received a 60 day delinquency notice for a loan that I already paid off in full. I am not paying a penny more than i owe on these loans.

Recently i found out that Edfinancial took that money and put it on Loan 4. I never consented for that money to be placed on Loan 4. I literally call Edfinancial on a monthly basis and ask for an update all they can tell me is " be patient '' and " it will only take a few weeks to fix this ''.

It has nearly been a full calendar year and this problem still has not been resolved, it has only gotten worse. With inaccurate accounting and payments going to random accounts, Edfinancial is a complete nightmare to deal with.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$22000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>