23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XX/XX/XXXX Consumer Financial Protection Bureau ( CFPB ) Final Payoff of HELOC Account Number XXXX To Whom This May Concern : I am reaching out to the CFPB since I recently paid off our Home Equity Line of Credit ( HELOC ) with the life insurance payment from my husbands XXXX. 
Much to my surprise, Wells Fargo also charged me the accrued interest of {$520.00} ( 28-days ), and required I pay this monthly interest, which was included in the final HELOC payment. Additionally, an automatic, system-generated payment of {$510.00} was deducted from my checking account. Essentially two interest payments were made, totaling {$1000.00}. 
The final payoff balance and interest information was obtained from XXXX at the Wells Fargo HELOC Customer Care Line XXXX. 
Reference Number : XXXX Date Amount Explanation XX/XX/XXXX {$160000.00} HELOC Principal Balance Appearing Online XX/XX/XXXX {$18.00} Interest Accrued Daily XX/XX/XXXX {$10.00} Recording Fee XX/XX/XXXX {$520.00} Interest Payment ( 28-days ) charged ; included in the final payoff figure XX/XX/XXXX {$160000.00} Final Payoff Balance obtained via Wells Fargo HELOC Customer Care Line XXXX XX/XX/XXXX {$510.00} Automatic, system-generated payment deducted from checking account I made the final HELOC payment of {$160000.00} on XX/XX/XXXX. Not only was an interest payment of {$520.00} included in the final HELOC payoff figure, an automatic, system generated payment of {$510.00} was deducted from my checking account four days before on XX/XX/XXXX. 
I am requesting a refund of {$1000.00} which is comprised of : {$520.00}. XXXX interest payment ; included in the final HELOC payoff figure {$510.00}, automatically deducted payment from checking account. 
I understand there is a {$10.00} recording fee, and I am fine with paying the recording fee, however this additional {$520.00}. XXXX interest payment, and the automatic deduction of {$510.00} totaling {$1000.00} should be reimbursed to me. If a car loan is paid off, the principal balance is paid in full ; a monthly car loan payment is not required in addition to paying off the loan. 
We have been loyal customers of Wells Fargo, and have done all our banking with them since XX/XX/XXXX. I should not have to pay a monthly interest payment when I am paying off our HELOC, especially due to the extenuating circumstances of my husbands XXXX. These interest payments should be reimbursed to me. 
What is the CFPBs stance on this situation? Is Wells Fargo justified to charge a monthly interest payment when a substantial loan is being paid off in full? There is not supposed to be any pre-payment-penalty. Enforcing payment of the monthly interest, is as if I am being penalized for paying off the HELOC.
Product: Checking or savings account

I recently filed a complaint against Chase Bank regarding them not releasing my money that they have had the last 2 months XX/XX/year> and XX/XX/year> XXXX money payments that should of been issued to me already but because I had submitted a claim with them for transactions that I didn't do I had to wait till they were all closed. However on XXXX XXXX I had called the customer service number and they informed me that I could go to the bank and that I would receive my money without problems. I got there only to be told that I wouldn't be able to receive no money because they are still investigating and once it is done then they can issue out payment. So I waited about anothefr week and then I called the bank and I spoke to the lady from the restricted Department and she told me that the last claim was closed and completed on XX/XX/year> and here it was about 2 weeks later and I still hadn't been able to get my money from either the bank and they never sent nothing in mail. So here it is XXXX and I called customer service twice and they told me both times that I can get my money and I wasn't able to. So when I called customer service they said that my account was closed and the branch says that it is restricted and I am not sure on what to do because how can the same company system say 2 different things? If they are holding my money and the account is now closed I believe that is illegal?!
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my score on Experian today and it has dropped 19 points for no reason I paid off affirm as agreed and on time. The status is showing loan outstanding which is incorrect reporting from them and Experian if this where an white person account this would not be happening how does your score dropped 19 points for paying off a loan installment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Information for ID theft and XXXXXXXX XXXX is for XXXX XXXX and Equifax and the whole thing is for XXXX  I recently filed a complaint attached the Identity theft report to it XXXX said CFPB can never do anything to XXXX so dont care showed them proof who I am and all personal information and the Identity police report they said they dont care now blocked me from calling writing and online paid account but still are taking money from my account here is a copy again of the police report so the FBI dont investigate XXXX for accessory to Identity theft. They said they will never do anything for this account its blocked law says if I cant dispute problems on credit or if I recently filed a dispute in writing and I did then everything I disputed has to be removed If you report information about consumers to consumer reporting agencies ( CRAs ) like a credit bureau, tenant screening company, or check verification service you have legal obligations under the Fair Credit Reporting Act 's Furnisher Rule. 
You must complete these steps within the same time allowed under the FCRA for the CRA to resolve the dispute. Normally, this is 30 days after the CRA gets the dispute from the consumer. If the consumer provides additional relevant information during the 30day period, the CRA has 15 more days to resolve the dispute. The CRA must give you all the relevant information it gets within five business days of receipt, and must promptly give you additional relevant information provided by the consumer. If you dont investigate and respond to the notification of the dispute within the specified times, the CRA must delete the disputed information from its files. FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ) ' XXXX has had over 300,000 complaints and never fixed any of them all posted on XXXX and CFPB postings and this is in less then 1 yr. All XXXX XXXX   negative reporting is by XXXX XXXX procedures they are breaking signed contract from XXXX XXXX and have no amendment on file. so all the negative reporting XXXX XXXX  will be removed. All proof is attached to this complaint real forms that show XXXX XXXX is reporting information and lies this real contract shows proof and attachments show they payments were maid but XXXX is in lost mitigations and contract says no changes to account till investigation for loss mitigation is complete which means no credit reporting at all so negative reporting for XXXX XXXX needs to by law and contract removed.
Product: Credit reporting or other personal consumer reports

ive sent multiple letters to XXXX, Transunion, & XXXX None of them have sent me an updated report within the 30 day time period nor has my credit reports been updated which is causing me to be denied and progressing in life
Product: Credit reporting or other personal consumer reports

XXXX XXXX is refusing to acknowledge they have/had me as a customer. I have filed XXXX other complaints. YOU WILL SEE INCONTROVERTIBLE PROOF I AM A CUSTOMER IN THE ATTACHED DOCUMENTS. If XXXX XXXX attempts ( for the XXXX time ) to block this inquiry by stating " this complaint lists someone the company does not recognize as their customer '' it will be outright perjury to a Federal institution. This company has been hounding my credit for XXXX months after the statute of limitations expired AND they are lying to CFPB. CFPB, you need to do your job and hold them responsible before I have to bring this to additional courts. You will see in the images that there is XXXX possible way for XXXXXXXX XXXX to say they don't recognize me as a customer. I am only listing myself as the owner of the account and the bank. There is no possible way they are able to deny knowing me as I will include my card and SSN in this complaint. This is my last attempt before a serious lawsuit against XXXX XXXX and I will look into my options with CFPB as well for allowing this to continue.
Product: Prepaid card

On XX/XX/XXXX my wife and I were going through our gift cards, and found XXXX {$100.00} XXXX  gift cards. The cards said they needed to be activated online to be used, but the website wouldn't work. When we called in the number on the back, we were told we'd need to upload our drivers license to a sketchy online website ( XXXX XXXX XXXX  ) in order for them to send us new cards ; however, when I researched them online it sounds like this is a situation rife with potential for identity theft. ( See XXXX XXXX XXXX ). Additionally, they request a copy of the receipt on the website ( but didn't on the phone ), which we don't have at this point in time, but we opened the packaging ourselves today ( XX/XX/XXXX ), so we know that they weren't already used. 

Additionally, when we called in the issue to their hotline, we had to give the card number over the phone twice ; once to an automated system, and once to a human. This practice seems sketchy as well, as the human could just steal the card info.
Product: Credit reporting, credit repair services, or other personal consumer reports

i CONTACTED XXXX XXXX XXXX  BECAUSE I HAD A HARD INQUIRY ON MY CREDIT REPORT THAT I DID NOT MAKE. 

I SPOKE WITH A REPRESENTIVE AND SHE GOT MY SOC SEC NUMBNER AND COULDNT FIND ANYTHING IN HER SYSYTEM WITGH MY SOC SEC NUMBER. 

I WAS DIRECTED TO GET IN TOUCH WITH THE 3 CREDIT REPORTING AGENCIES. 

AND SHE MADE A NOTE ON HER COMPUTER AND TRANSFERED TO A WOMAN WHO WAS VERY ABRASIVE AND DID NNOT WANT TO HELP STATING " I DEAL WITH PEOPLE WHO HAVE ACCOUNTS.. '' AND I WAS DISCONNECTED
Product: Credit card

I was given a Lowes credit card at the store on XX/XX/2016 through Synchrony Bank and made a purchase the same day for {$2100.00}. The billing cycle was closed 4 days later and the due date listed was XX/XX/2016. I called the bank and they refused to change the due date. Is it legal to have the due date less than 30 days from the purchase date? Normally the billing cycle would be 30 days, not 4 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent charge off account on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

GM FINANCIAL LEASING ACCOUNT # XXXX RE : XXXX XXXX XXXX  XXXX XXXX LEASE My father, XXXX XXXX, passed away XXXX. He did not have a will, a trust or any other type of estate planning in place. I sent GM Financial his death certificate several times by fax or e-mail until they finally marked his account as deceased. I attached a cover letter showing my intent to buy the car once the account had been properly notated as deceased. My cover letter stated clearly I had been working with the dealership. 

Before the account was notated I had received phone calls and requests from customer service when I called to pay the account current. I refused to do that since I am not on the lease and did not trust them due to the problems they had in marking the account deceased. 
They offered and assured me that if I brought the account current I could assume the lease with no problem and bypass the dealership. The monthly payment was {$170.00} and the mileage is XXXX  miles. The only thing was that I make the payment, wait for it to post and then call back to the lease assumption department at XXXX. I called and talked to XXXX and XXXX and was told that I could not assume the lease since there was no will or trust set up for my father prior to his death. 

After going back and forth and challenging as to why I was told I could assume the lease with payment I asked for my money back. They told me to get an attorney if I wanted my money back. 

The payment I made of {$530.00} was stolen outright from me by the lies and promise that I would be able to take over the lease. I never at any time signed a contract with them and was not on the lease. It was beyond deceitful and deceptive that they got their account current and did not care who they got the money from.
Product: Money transfers

I sent 200 dollars to XXXX for my mohter using Western Union on XXXX, after XXXX attempts to collect i called Western Union XXXX XXXX who indicated it was best to cancel the transfer. It was canceled over the phone but i never got a refund, after XXXX calls to their customer support, today being XXXX, i have ran out of options, so i 'm filing a complaint here. The money transfer was charged to my bank account despite the cancelation, and Western Union has n't been able or willing to provide a refund for a service it never rendered.
Product: Money transfer, virtual currency, or money service

I was lured into what ended up being a XXXX scam the website is XXXX they had me by XXXX and I was actually doin ok it seemed and then I lost some and so I let it be for a while and then I decided I wanted to withdraw my funds for other financial needs and so they had me pay XXXX in taxes and withdrawal fees on the XXXX I have in my account and was told it would take XXXX hours to get my funds and after XXXX hours I asked where my funds were and then I was told I had to pay another XXXX to unfreeze my account which I refused and I started contacting law enforcement and other government agencies after that I have submitted complaints with u and the fbi and ftc and sec and even over seas places
Product: Money transfer, virtual currency, or money service

Sent an international wire transfer from XXXX XXXX XXXX ( Sequence # XXXX ) for {$100000.00} ( QRN # XXXX ( transaction number ) ) to an account ( XXXX ) at XXXX XXXX XXXX, using XXXX XXXX XXXX XXXX XXXX as the intermediary. The recepient account company name has since changed ( XXXX, now XXXX ), even though they still regularly receive payment using the previous name. The transfer agent told receiving company representative that the wire would be returned so it could be re-submitted with new name. They used JP Morgan as the intermediary bank on the return wire ( XXXX case number ). 

Both XXXX XXXX XXXX and XXXX XXXX XXXX say that there is nothing they can do to trace the return wire, as it's stuck with JP Morgan. As the intermediary bank, neither the sender nor the recipient is a JP Morgan customer, and each bank is pointing at another.
Product: Credit reporting 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. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 or other personal consumer reports

XX/XX/XXXX On XX/XX/XXXX I made a claim to you and sent a letter that I will attach below. I looked at my report and noticed the accounts mentioned in said claim in XXXX XXXX XXXX account number XXXX and XXXX is still the same, and according to 15 USC 1681i 5 they are supposed to do this ( XXXX ) Treatment of inaccurate or unverifiable information. They checked but did not fix what was requested in my claim. 
I am attaching the Dispute Results sent by them on XX/XX/XXXX. 

XX/XX/XXXX To whom it may concern, On day XX/XX/XXXX, I looked at my report, I sent a letter to Trans Union on XXXX XX/XX/XXXX, asking them to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX, XXXX, and here is my tracking number ; XXXX on day XX/XX/XXXX they sent me their investigation and said these accounts are complete and accurate. 

I looked at my report and noticed everything is still the same, and according to 15 USC 1681i 5 they are supposed to do this ( XXXX ) Treatment of inaccurate or unverifiable information. 
( A ) in general If, after any reinvestigation under paragraph ( 1 ) 0f 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 ( il ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer Trans Union XXXX 
And according to 15 USC 1681eb they are supposed to ensure this b ) Accuracy of report. 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. 
And according to 15 USC 1681s-2 this os suppose to happen ( A ) Reporting information with actual knowledge of errors. 
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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer at the address specified by the person for such notices, that specific information is inaccurate; and ( i ) the information is, in fact, inaccurate. 
Trans Union really did not reinvestigate. They lied on an official document saying they did something they did not do and I have evidence to prove my case.
Product: Credit card or prepaid card

On XX/XX/2020, Wednesday around XXXX I received a call about a new card I had a application at US Bank in ZIP code XXXX phone number XXXX. A Mr. XXXX with the XXXX XXXX XXXX. was rude and unprofessional and disrespectful towards me in his questioning me on a new XXXX XXXX application. He ask me for my college degrees to see if I was really a XXXX. This was nothing to do with my income at all. He first said I can email the things he needs, then stop then told me to go to the bank to have them email the paperwork to him. He had no corners about my health with the virus out there.
Product: Credit card

When Citibank took over the credit card business of XXXX from XXXX XXXX, they sent me a bill for {$380.00} I have always paid my bills on time, and I had just paid in full my Citi XXXX XXXX bill. The bill arrived with interest charges for late payment. I immediately called XXXX. This was clearly not accurate. I worry that people without my wherewithal would not be able to pick up the phone and force Citibank to return their unfairly charged interest or late fees. My balance was {$280.00}. But when I closed my account Citibank charged me {$380.00}. Citi charged me for a new membership at just the time when I was canceling the card, which they informed me automatically cancels the membership. They charged {$110.00} for a XXXX membership with Citibank. Citibank has had my {$110.00} now for over a month. They are unethically and deceptively benefiting from false charges like these because they charged me a membership fee for a membership that I could never use if I canceled the card. I am sure I am not alone in this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote to Experian, XXXX and XXXX asking them to explain why my credit score was lower than it should be. Specifically, i explained that I have perfect credit, no delinquencies, no derogatoriness, exceptionally low credit use to credit available, all credit paid in full monthly, all property owned free and clear, over {>= $1,000,000}. in liquid assets, XXXX debt and in over 50 years never a charge off or any credit issue. Considering all of this I asked why I am not a perfect 850 score. I asked that they either increase my score to 850 or explain how they calculated my score, about 790-815. It seems to change monthly. They send form letters stating that your score is calculated using four main factors. Delinquencies, derogatory comments, debt outstanding to credit available and total debt, which can be to high or to low. When you call to speak to a credit representative to ask them to explain it they basically say that is just what it is. I ask that if everything is perfect then why is my score not perfect or why will they not explain where and why I lose points. My latest letter was sent on XX/XX/18. All of this is verifiable. Their own reports corroborate what i am saying. i can verify the asset numbers and can verify income, which i told them i would do if they would agree to change my score to 850 if I did.
Product: Debt collection

Calls 30 times a day from spoofed numbers started XXXX
Product: Debt collection

This debt was paid to delete, yet it still remains on my credit reporting. According to last complaint they updated false information on my credit reporting. Please send my complaint to regulator thank you.
Product: Debt collection

On XX/XX/22, an alleged debt collector ( transworld systems ) contacted my parents, who live in a different state from me, to collect a debt that allegedly belongs to me relating to an XXXX XXXX account. I do not have an XXXX pass account or even a car registered under my name. The first representative was extremely rude to my elderly father and then to me. When my wife called back to try to ascertain the issue, she was hung up on. She called back a second time, at which point a different representative answered, who was able to figure out with my wife that it must be an XXXX pass error. Their number is ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I have contacted the credit reporting agencies TransUnion, XXXX, and XXXX on several occasions in attempts to correct the errors on my reports. However, there have been little effort in working with me to make the necessary corrections. I am a victim of identity theft and I have sent out the police reports to all of the credit reporting agencies through certified mail and no corrections have been made at all.
Product: Payday loan, title loan, personal loan, or advance loan

I received a live check for an installment loan but its required to call them first to get an approval code. The check expired XX/XX/year>. XXXX made 7 calls XXXX trying to get this code and all I ever get is to leave a message and I never receive a call back. I feel like this is a scam and at best false advertising
Product: Student loan

MOHELA continues to find ways to extend loans by using recalculations. Example I pay off a loan, incidentally all my loans get a little extra payment from that months auto debit. They then recalculate my payment amount based on this current paid ahead account status. I end up with a lower overall payment but they ensure they get their 120th payment. Level repayment should mean level repayment. They have the audacity to say that my loans on a ten year plan may require a large payment to satisfy the terms of my loan at the end, I pay nearly 8k extra every year. -typed on iPhone