23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My husband and I took out a 15 year Home Equity Loan with CITIbank in XXXX of XXXX for {$55000.00} with a fixed rate of 6.379 % and no closing costs. In discussing the loan with the branch representative, we clearly stated that our intent was to consolidate a few bills. We also made it clear that our intent was to pay off the loan early and part of the plan to do so included doubling the required monthly payments. With that in mind we asked the representative if there were any penalties for paying off the loan early. We were clearly told no, there were no prepayment penalties, however, it was made clear to us that doubling the payment in one month does not change the amount of the monthly payment. In addition to our discussion with the representative, in reviewing the Closing Disclosure it was clearly printed in bold letters in response to a question on the form - " Does the loan have these features? '' - Prepayment Penalty - NO Fast forward to XXXX, XXXX and we contact CITIbank to get the the payoff amount of the loan and we were informed that the payoff amount includes an Early Closure Release Fee in the amount of {$1400.00}. In response to questioning the fee, we were told to refer to page 1 of the Home Equity Loan Note which makes a distinction between a partial prepayment and a full prepayment. It further states that we are subject -- not to a prepayment penalty --, but to a Early Closure Release Fee, if a full prepayment is made during the first 36 months of the loan. 

Based on our intent and purpose in discussing the loan thoroughly with the representative and relying on the disclosure statement, we feel the bank was intentionally deceptive in the discussion and documentation of the terms for the loan. At the end of the day, it is our opinion that the Early Closure Release Fee is the same thing as a Prepayment Penalty. Also, if the bank makes a distinction between partial and full prepayment, that distinction should be made clear in the Closing Disclosure. This practice is clearly and intentionally deceptive.

The Early Closure Release Fee is nothing more than a Prepayment Penalty and/or a way for the bank to, after the agreement, attach closing costs to the loan. 

We made a good faith effort to enter into a fair agreement, but did not read every line of the fine print.
Product: Credit card or prepaid card

Chase Bank sent me a letter in XX/XX/XXXX stating we are closing all your credit card accounts. I have called them many times to find out why and all they say is we decided to close your accounts but we can not give you the reason why we are.
Product: Student loan

I was a victim of predatory lending when in XX/XX/2005 at XXXX years old, I enrolled in the for profit school XXXX XXXX University. I was the first in my lower middle class family to attend college so, needless to say, I did not have a lot of guidance on school choice and student loans. I was on my own to figure it out. 

The schools financial aid department set me up with Sallie Mae as my lender to cover cost of tuition and room & board. Sallie Mae said I could only take out $ XXXX in federal loans and that the rest would have to be private. I barely understood what this meant, but I really wanted to go to the school so I took out the loans. They gave me, a XXXX year old, a $ XXXX loan with no co-signer and then another $ XXXX loan with a co-signer. I believe I would have been allowed to take out more in federal loans at that time as well. 

By the time I got my XXXX XXXX one year later, my larger loan was $ XXXX with a 17.75 % interest rate and the smaller loan was $ XXXX with a 13.5 % interest rate. At XXXX years old, after the 6 month grace period, I was unable to afford my $ 1000+ per month bill. Rather than steer me into an income based plan, Sallie Mae enrolled me in forbearance for the maximum amount of time. I didn't even know an income based payment plan was an option. I struggled to find work in the field so I went on to get my XXXX XXXX from a public university and further defer my payments. 

Now, a decade later, my private loans alone are at $ XXXX. I can barely afford to make interest only payments and am only seeing my balance rise. I have no credit card debt, no car debt, no mortgage. My husband and I want to start a family but even with our middle income salaries, we live pay check to pay check and have no idea how we would support dependents. I am unable to consolidate the debt because it is too high and my debt to income ratio basically prevents me from taking out a small business loan or any other type of loan. 

The income based plan Navient has me in now is not actually based on my income and never will be. In fact, every 6 months, the program requires the interest go up .5 % so I'm seeing my monthly bill increase by $ XXXX every 6 months. It's back up to a rate I can barely afford but they wont bring it down even though my income remains constant. 

I would have no issue paying a fair interest rate on the loans, but a credit card interest rate for student debt is not what I would consider fair. I believe the lender and school were working together to defraud vulnerable young students. Im working in the public sector with the hopes that at least my federal loans will one day be forgiven ( if PSLF remains in effect ), but I anticipate paying Navient exorbitant fees for life unless these lawsuits against them work out in the favor of us borrowers.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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: Credit reporting, credit repair services, or other personal consumer reports

I have an outstanding Collection account from XXXX XXXX XXXX ( XXXX XXXX XXXX ) that has been payed in full since XX/XX/2018. I have repeatedly contacted XXXX XXXX to have the account shown as payed in full. They have agreed to do this numerous times and have yet to do so. 

I have both a letter from XXXX XXXX, dated XX/XX/2018, showing that the account is payed in full and acknowledging that the account has been settled, as well as the cancelled check, dated XX/XX/2018, showing payment in full as received. However, they continue to report this on my TransUnion report. 

Additionally, I have disputed the charge through TransUnion and they have refused to remove it as well. 

I have the necessary documents to prove payment and XXXX XXXX 's acknowledgment of the payment in full.
Product: Student loan

Since XXXX, I was a student in XXXX for XXXX during XXXXXXXX XXXX, my tuition paid all my classes and I got into for free, since then I dropped out my classes and I applied to do classes for free for no credits, now all of sudden I owe {$6000.00} in debt which it shouldnt be possible. I went to a new XXXX XXXX and started my school journey again and doing very well. XXXX XXXX I got a call from XXXX XXXX XXXX XXXX XXXX who was harassing me and threatening me talking about you owe {$6000.00}, started to yell at me and say we will charge you way more interest, being rude, hanged up the phone rudely as well. I explain that after when im done with my XXXX XXXX I will talk to the XXXX XXXX of student to appeal and see any other alternative to redeem myself as a student who was once in XXXX, and be part of the school of business.
Product: Mortgage

APPLICANTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX loan request made on : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX ( homestead ) XXXX XXXX XXXX XXXX, XXXX, TX ( renthouse ) Like so many Americans, my wife and I decided that with interest rates so low it would be wise to refinance our mortgage. XXXX XXXX with AmeriSave was the mortgage loan representative who gained our trust, and with his assurances, we completed an application on our homestead as well as our rent house as well. 

We understood the impact of COVID 19, which has affected everyone 's work environment. We thought processing our applications would be easy because we were not asking for Cash Out refinancing and we made a {$60000.00} principal reduction on our homestead XX/XX/XXXX. 

The final factor influencing our decision to refinance was the fact that our Credit Scores have always been excellent. As homebuilders for 30 years our company, XXXX XXXX XXXX XXXX, borrowed money at the lowest rates available in the market place. We enjoyed the same benefits personally. 

Regarding our rent house, which we bought XX/XX/XXXX, we have had the same renter for the 5 years we have owned the home. We thought the results of that would be obtaining the lowest rate, and closing the loan without a hitch. 

We started our application online but found the website difficult to navigate. When we called, we were connected to XXXX XXXX and he completed both applications. XXXX told us in the beginning approval was contingent, according to the underwriting department, that we set up an ACH for {$5000.00} per month in our Rollover IRA. We set it up immediately and uploaded proof through the AmeriSave portal. 

Our income sources have not changed since we applied for these loans XX/XX/XXXX. 

After reassurances from XXXX that we would get our money back if the loans did not close, AND HE IS NOT DISPUTING THAT HE MADE THAT COMMITMENT, my wife and I agreed to pay {$1000.00}, {$500.00} for each application, and I gave him my credit card information. 

The month passed as we uploaded documents requested by AmeriSave. We received an Email from XXXX XXXX with the closing department of XXXX XXXX on XXXX XXXX requesting a copy of the survey and confirmation of no structural changes in order to close XXXX XXXX XXXX XXXX We responded to her request immediately. Five days later, on XX/XX/XXXX we received a second request from the title company. We responded the following morning on the XXXX. According to the portal, all documents had been uploaded, including the survey for XXXX XXXX XXXX XXXX. Final Underwriting approval, in our sights, we thought we were ready to set a closing date and move forward. 

Then suddenly, on XX/XX/XXXX we received an Email saying they closed our file for incompleteness. All uploaded documents were removed. It appears that the Underwriting Department, anxious to escape for their XXXX XXXX  weekend, did not operate in good faith. 

What my wife and I want, is to get the application back on the track and both loans closed in accordance with the rates and terms laid out. 

Please help resolve this issue and either get the loans closed or our money refunded.
Product: Credit reporting or other personal consumer reports

Please review attached 1099C that was accepted by the IRS. Debt has been discharged & paid. PER IRS THIS IS TREATED AS INCOME, THEREFORE, IT SHOULD NOT BE REPORTED ON MY CONSUMER REPORT. 
XXXX XXXX XXXX / Acct XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX  ) .amount of {$1100.00}. 
XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX  ) .amount of {$750.00}. i disputed this account requesting THE VALIDATION to this account and all document that credit report have to send me to validated this account. i never received any document from the credit report. they just VERIFIED without sending any VALIDATION letter to prove me this account is mine. 

i'm requesting to remove unverified account to my credit report immediately under the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b }.
Product: Credit reporting or other personal consumer reports

Inaccordance with the Fair Credit reporting Act. The account listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 ( Account Name XXXX XXXX XXXX XXXX  Account Number : XXXX ) ( Account Name : XXXX XXXX XXXX  ) 15 U.S.C. 1681 Section 602 A. States : I have rights to privacy. 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681 c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions or crimes which antedates the report by more than seven years. 15 U.S.C. 1681's-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believer that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I have send numerous letters stating fraudelent inquiries on my account. Despite, Equifax has failed to provide an investigation as to why they appear on my consumer report. This noticie is to inform you that you unlawfully reported fraudulent accounts that arose from IDENTITY THEFT that you did not verify as required by law on my consumer report. 15USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer. ( 3 ) information regarding inquiries. Except as provided in section 1681g ( a ) ( 5 ) of this title. A consumer agency reporting shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. The following inquiries are a result of Identity Theft and was not initiated by me. I demand they are DELETED 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
Product: Checking or savings account

I have filed two prior complaints today regarding M & T Bank. The first was a general complaint and the second was regarding the offensive manner in which M & T Bank communicates with customers. This third complaint is about the multiple sources -- customer service agents, the app and the website -- of false and misleading information stating that my funds are available while they are not. 

On XX/XX/2021 I deposited a USPS money order into my M & T Bank account in XXXX, Maryland. I had called M & T Bank 's customer service ( as I am new to Maryland ), to determine M & T Bank 's policies on cashing USPS money orders. The agent told me that the bank could, maybe, cash it for me or it could take five business days for my funds to become available. 

I received an extremely offensive letter dated XX/XX/XXXX from M & T Bank basically accusing me of passing a fraudulent financial instrument, stating " We have information that indicates that the check may not be paid. '' Nevertheless, this offensive communication stated that my funds would be available in five business days. Within five business days, M & T Bank 's app and website both stated that my funds are available, but they were not. I called customer service again was was " promised '' that my funds would be available this morning, XX/XX/XXXX. My funds are still not available. I called customer service, yet again, and the first informed agent I have spoken with, XXXX, a supervisor, stated that my funds would not be available until a pending " fraud investigation '' was completed. 

M & T Bank 's multiple false and misleading statements by customer service agents, in its offensive written communication, on its app and on its website regarding the availability of my funds from a USPS money order are, at the least, not in keeping with acceptable customer service practices.
Product: Credit card

On XXXX  XX/XX/year> XXXX XXXX XXXX suffered an outage for over XXXX hours. During this unannounced outage without being aware of the situation I've paid goods at XXXX store in the amount of {$XXXX} XXXX hours later my credit card was charged XXXX times this amount. Their fraud department failed to block my card despite charges being duplicated every XXXX minutes. So far charges have been posted and no one has resolved issue of duplicated charges. Stayed on the phone with XXXX for over 3 hours and no resolution yet.
Product: Checking or savings account

All my accounts handled by Juno Finance, A service by CapitalJ Inc, have been frozen since around XX/XX/XXXX ( as far as I noticed ). Limited information was given regarding the situation, such as that this is due to a dispute between their partner XXXX and the partner bank  XXXX XXXX  XXXX XXXX. However, there has been no further information, except that starting XX/XX/XXXX, no interest payments will be paid any longer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF FRAUD. I HAVE A 90 DAY FRAUD ALERT ON MY CREDIT FILE. I HAVE INFORMED EQUIFAX THAT THE FOLLOWING INQUIRY IS UNKNOWN AND UNAUTHORIZED WITHOUT RESOLUTION. I HAVE ATTEMPTED TO CONTACT THE COMPANY WITHOUT RESOLVE VIA CERTIFIED MAIL ON 2 INSTANCES. EQUIFAX HAS NOT VERIFIED THIS INFORMATION IS CORRECT, YET IT CONTINUES TO BE INCLUDED IN MY FILE. INQUIRY ON XX/XX/17 FROM XXXX XXXX XXXX. I ASK THAT YOU REMOVE THIS UNAUTHORIZED INQUIRY FROM MY CREDIT REPORT WITH YOUR BUREAU, AS I DO NOT BELIEVE THERE IS ANY PERMISSIBLE PURPOSE PER THE FCRA WITH THIS UNKNOWN BUSINESS ENTITY.
Product: Bank account or service

I use Wells Fargo company strictly as a reserve banking institution, because all of my everyday spending and drafting from companies come out of XXXX XXXX XXXX Accounts. For a majority of my history with them all I do is deposit funds with the hopes it will stay out of sight out of mind and build up for my families future. I had a checking account only, but signed up a month ago for a savings account and was supposed to get a XXXX bonus for that. So far no credits. Over the last month I have put a large amount of money in this savings account ( only making deposits ) and Yesterday XXXX/XXXX/2016 I noticed my balance was lower than expected. When going back to check this online I found a XXXX XXXX was taken out of my savings account ( XXXX ) in the amount of XXXX posted on XXXX/XXXX/2016 but apparently performed XXXX/XXXX/2016. 
Through horrible service I was disconnected multiple times and routed from one group to another who kept saying I had to go to Merchant Services, and when I spoke with them they would n't even talk to me since I was n't a business. I finally got someone to say they would file a claim however I find it very disturbing that money can be taken out of my account without my permission. 
From my understanding someone must have gotten into my account when I was logged into an unsecure business, and according to one rep someone named XXXX was put on the account as an Authorized user???? How can this happen that Wells Fargo can allow this without Authentication and my signature to allow someone to be on my account. They definitely used enough security demanding me 17 times to prove who I was trying to dispute this, why not when protecting my money. That to me is a breach of customer privacy and protection. I would like someone to please assist me in returning these funds to me.
Product: Mortgage

My mortgage loan servicer, NationStar, has repeatedly failed to process my mortgage modification requests. I have submitted EVERY requested or required document, in the time frame and manner requested by NationStar. Each time, NationStar has " denied '' my request stating that I did not submit the requested or required documents. However, this is false, and NationStar has never once identified any document that was missing or incomplete. Further, I appealed ( using the NationStar internal appeal " process '' ), and the appeal was denied, but the denial letter appeared to have been form-generated and contained no specifics about what information was missing or incomplete. NationStar has now filed a notice of default. I have told NationStar in writing on numerous occassions that I wish to resume payments to bring my loan current. NationStar appears to intentionally and deceitfully deny mortgage modification requests on the grounds of " incomplete information '' when in reality they have no intention of processing the request in good faith.
Product: Debt collection

I disputed two different accounts from two different companies ... seperate letters ( placed in the same envelop ) that are being handled by Portfolio Recovery Ass. These letters were sent via certified mail USPS on XX/XX/18 and were delivered and signed for at Portfolio listed address on XX/XX/18. One account they state has an outstanding balance of $ XXXX..the other account they state has an outstanding balance of {$1000.00}. In both letters I clearly ask for vaildation of any signed documents by me that state anywhere where I owe/agree to pay them any amount of money. More than 30 days have passed and they haven't responded to my request for this very specific documentation. Also they have failed in that same 30 day time frame to report these accounts as disputed with any of the 3 agencies they are reporting to. These are clear violations of the FCRA, whic is in place to protection us from companies like this. All the information is inaccurate with these accounts. They even list these collection accounts as " open '' with 2 of the 3 burenas..this is just wrong. I want both of these accounts deleted ASAP from all 3 credit reporting companies, as well as them agreeing not to sell these bogus accouns to another agency. They have failed to do the easiest things.
Product: Credit card

I have been disputing discharge since XXXX. Its now XXXX every XXXX months they put it back on the card without any further investigation Ive asked for a different way to contact XXXX on multiple occasions with no response. I have attempted to contact XXXX for the last XXXX months with no response. XXXX keeps telling me that they will email me or to look out for an email from XXXX. none of that has happened, but still, I keep getting this charge back on my card every XXXX months with no further explanation or contact in between. This is the XXXX th time we have disputes and send all documents proving this was never received
Product: Credit reporting or other personal consumer reports

Recently I checked my credit reported and noticed multiple billing errors under 15.US code 1666 ( b ) billing error- XX/XX/XXXX) the creditors failure to reflect properly on a statement a payment made by the obligir or a credit issued to the obligor
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX Email : XXXX To Whom It XXXX Concern, Per the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 
Bank XXXX XXXX : Acct # ending XXXX, XXXX : Acct # ending XXXX, XXXX and any late payments from merchants has violated my rights. 

XXXX - XXXXXX/XX/XXXX XXXX Balance - {$5.00}, this is incorrect. 
This information is incorrect from XXXX. 
Current Address XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX. 

The credit Bureau 's reporting is inaccurate. Furthermore, if they went back and fixed the inconsistency, they did not raise my XXXX XXXX which should have been the correct outcome. Instead, XXXX retaliated against me by lowering my XXXX XXXX even further because I filed a complaint with the CFPB.