23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I just sent the following message to my mortgage servicing company. I'm XXXX and I believe my lender is gouging me. 

" To : XXXX Subject : Loan # : XXXX Subject : SPS Proposed Loan Modification Dear Ombudsman, I am in receipt of SPS proposed loan modification to cover the forbearance amount of approximately {$30000.00} including property taxes and insurance advances. I'm bit bewildered as, on the phone back in XXXX of 2020 when I agreed to the forbearance, while I was told that when the forbearance came to the end, the forbearance amount ( {$30000.00}, including property taxes and insurance ), would be put on the end of my loan, BUT I was not told that {$150000.00} ( See page 1 of the Modification Agreement, Lat paragraph entitled BALLOON NOTICE }, in other charges would get added on as a second ( 2nd ) balloon payment! That amount of additional money seems outrageous to do to a senior citizen! Had I known that was going to happen I would have risked covid and tried to find a new job, anywhere, so I wouldnt have had to agree to the forbearance! Is this the best plan you can offer me? 

XXXX XXXX Please let me know if this is what Congress had in mind when they created the Covid 19 Relief plans? 

Thank you for your time. 

Respectfully, XXXX XXXX
Product: Debt collection

XXXX XXXX keeps calling after I asked them not too. they are collecting on XXXX debt that they will not send verification on. I have asked for verification by mail, they say all they can do is email.. I proceeded to ask them to quit calling and leaving recorded messages about i have two business days before legal action is taken. I have gotten nothing from them in the mail nor will they verify this debt.
Product: Mortgage

This is an addendum to claim # XXXX XXXX XXXX XXXXSLS purchased my loan from XXXX on XXXX/XXXX/XXXX Once again they will not speak with me regarding my loan - My daughter and I went on a XXXX party call to SLS and we weretold unless they receive XXXX party authorization form signed we can not do anything. 
My daughter who is a Real Estate Agent went online and printed another formand we faxed to SLS - during our brief conversation with SLS I stated all thepayment information they have on file is incorrect - they say I paid no paymentsand I paid every payment due SLS - the only payment unpaid is on XXXX would not speak to me and I paid XXXX extra on my additional paymentsto make up for the XXXX XXXX payment. On Friday, XXXX XXXX XXXX XXXX I received aletter from SLS stating on XXXX/XXXX/XXXX MY HOUSE IS GOING INTO FORECLOSUREBECAUSE MY PAYMENTS HAVE NOT BEEN PAID SINCE XXXX/XXXX/XXXX - I PAIDevery one due to SLS - where is all my money going? How do I fight somethinglike this??? I am going to XXXX XXXX XXXX and getting copies of all of my paymentsbut I am afraid they are trying to take my condo from me - this has been going onfor 8 years and it is not fair to do this to seniors. I have made all payments, I havecalled XXXX times and left messages - no response - I have sent every form theyrequested plus additional correspondence I had. I sent copy of Certified letterto XXXX in XXXX with my Assumption Package - no response - I would liketo post this for others to see how XXXX and its subsidiary SLS handle customers. 
If I do n't have a XXXX, it will be a miracle. 
I asked the Ombudsman to please look into this mess - hopefully we can get a resolutionon both sides.
Product: Checking or savings account

Hi I bank with Wells Fargo Bank for a few years now I never had any problems with them. Every time I have any problems or doesn't recognize a transaction they would always fix it, but the last complaint I had with them they never fix it. Seem like they look the other way. I have XXXX unauthorized transaction I believe it wasn't me XX/XX/22 ATM withdral {$200.00} and XX/XX/22 XXXX XXXX {$26.00} I called and complaint I even went to the local branch on XXXX at least 3 times it seems they didn't want to help me they told me to call the cops and file a report and I also request for a photo of the person that withdral the {$200.00} because I want to see who it is they keep making excuses so I never receive any photo or video to me that was a red flag why can't they provide a picture of who withdral my account I mean camera at the ATM are made to take pictures right for that purpose. For the XXXX XXXX at that time it wasn't me when I first try out the ride I had to deposit {$20.00} dollars and after that I never XXXX XXXX XXXX  again because the scooter I believe it has some problems so I had a bad experience I also told the Bank all my electronic device is been hacked my email, phone is been hacked they come to a conclusion that I gave some one permission to withdral from my account I told them over and over again that I didn't give any one permission they end up closing the claim so they allowing some one going around and using my info and me dealing with the consequence and I'm on XXXX I barely make it every month I don't have the resources all I'm asking them is a picture so simple that pretty much would solve everything til now still no picture
Product: Student loan

I attended XXXX  XXXX XXXX ( XXXX campus and XXXX Campus ) XXXX XXXX and was approved for Pell Grant funds totaling {$1700.00} and {$2900.00}, which were released on XX/XX/year> per an email from XXXX XXXX on XX/XX/year>. Due to threats and discrimination by the campus director, I reported my concerns to XXXX XXXX, XXXX XXXX XXXX, before returning to campus. On XX/XX/year>, XXXX confirmed the disbursement but instructed me to return to the XXXX location, where I felt unsafe. 

I attended classes that week but was later informed that my funds were for the school, not me. The following week, I was withdrawn without my consent and removed from campus. The police were falsely informed that I was never a student. On XX/XX/year>, XXXX XXXX ( Corporate Campus Director ) emailed me, stating my Pell Grant was refunded, showing four transactions : two received, two refunded. However, I never agreed to withdraw, nor was I given an option to use my aid for continued enrollment. 

Additionally : I was billed {$290.00} despite not receiving required materials such as a student U-Pass or textbooksonly printed copies, which were falsely categorized as books. 
The IRS records show two loans were paid off with a {$1700.00} W-2, contradicting the schools claim that my loan was canceled. Federal Student Aid ( FSA ) confirmed my loan was reported as canceled, yet I have documentation proving funds were paid and should have been disbursed to me. 
Instead, the school kept my funds and repaid them in cash, raising concerns of misallocation of federal funds and financial misconduct. 

Violations : Misuse or Misallocation of Federal Funds Pell Grant funds were received but improperly handled. 
Unauthorized Loan Processing or Fraudulent Activity My loan was reportedly canceled, yet records indicate payments were made.

Failure to Provide Required Financial Aid Information The school provided misleading and conflicting statements.

Wrongful Billing or Balance Discrepancies I was charged for materials not received.

Breach of Contract I was withdrawn against my will, preventing me from completing my education.

Falsification of Records The school misrepresented my enrollment status to police and financial institutions. 

I request a full investigation into XXXX  XXXX XXXX handling of federal student aid, a refund of any funds owed to me, and corrections to my student loan and financial records. 

I have videos, emails and text messages
Product: Credit reporting, credit repair services, or other personal consumer reports

By law, credit bureaus are only allowed to list negative items for a certain amount of time. These accounts listed below have been reporting for more than 10 years on my credit report by Experian These accounts must be DELETED. 
1 ) XXXX XXXX XXXX  Account 2 ) .XXXX XXXXXXXX XXXX XXXX  Account
Product: Credit card or prepaid card

I have a claim currently that was started XXXX2020 that is still pending investigation. also i haven't received a provisional credit
Product: Checking or savings account

In the month of XXXX and XX/XX/XXXX there was some unauthorized transaction going on with my account in which totalled the amount of XXXX. I reported it to the bank once I caught it and they begin to investigate and I was denied, due to they stated the charges was valid, I sent in evidence to show that they wasn't valid and I was told they lost the paperwork that I sent in so I had to send it again in which I did and they reopened my case and I have not been informed about anything since than and I have been reaching out to them and not getting no answer. I have been with this company since XXXX and this is the first time I have waited this long for a decision in which is not being no communication from them and I truly don't understand why. It's very frustrating when me as the customer did all the right steps and they lost my information and I had to re-send in order for them to open back up my case to not get an answer by now. This has to stop because they have all these departments that is attached to there company and can't get it right, it's not fair and I need a answer
Product: Credit reporting or other personal consumer reports

I disputed unauthorized hard inquires and collections credit bureaus and agencies failed to honor my rights as a consumer. 

Here are tracking number below : Transunion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX
Product: Credit card

Credit card : Capital one We had booked XXXX tents in XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, XXXX. 
We stayed there from XX/XX/XXXX, to XX/XX/XXXX. 
XXXX XXXX charges were {$2300.00} XXXX XXXX charges were {$3200.00} I am getting charged XXXX times this amount. 
XXXX time on XX/XX/XXXX and second time on XX/XX/XXXX. 
Charges on XX/XX/XXXX is not authorized as we did not stay second time. 

I had filed the dispute with Capital one and called them XXXX times. I provided them all the documents they requested. 
I also contacted XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX. They said that they have only charged XXXX time and they did not receive second payment from credit card. 
I have an email from XXXX XXXXXXXX XXXX  confirming this. 
I also shared this email with Capital one credit card but they are refusing to refund me.
Product: Debt collection

This company retaliated on me because I requested every payment made to them so I can prove my XXXX date of delinquency. This account was opened in XXXX. Legally I requested every last payment made to them which is a legal request and I was told by the representative that they do not honor that type of request and I need to leave this situation alone. I told them I need it EVERY payment made so I can verify with my bank because some companies report false payments to keep collecting on debt. I was told thats not going to happen and I will not receive payment receipts from XXXX up until the last payment. The last payment after the last payment to them was made in XXXX to a collection agency called XXXX. It was paid in full. This is the company they sold the account too. I need all payments so I can prove my dates of delinquency. So in return they changed the status of my account to an active collection when it is paid and closed as well as dropping my credit score on purpose as a form of retaliation.
Product: Credit card

This is regarding my Chase Sapphire Reserve account. I prepaid for a rental car ( minivan ) from XXXX in XXXXXXXX XXXX  through Chase travel portal in XX/XX/XXXX for 11 days between XX/XX/XXXX to XXXX. The prepaid total was {$1800.00}. Upon picking up the car on XX/XX/XXXXXXXX XXXX did not have a minivan available, so I agreed to try the SUV they have ( XXXX XXXX ). I returned this car on the next day because it does not meet our trip 's needs. This was also the day I initiated my request for a refund via phone with Chase, since the car I paid for was never reserved. The XXXX agent assured me that I will be refunded for whatever amount I didn't use, which should be {$1800.00} minus one day of use of a smaller, lower rate car. On my initial call with Chase, they insisted that they can not guarantee the refund even though I didn't get the service I prepaid for, and they can not offer a timeline for refund if granted. It has been almost a month since my initial refund request, and I have called Chase more than a handful of times. They continue to delay the refund, put me on hold for almost an hour each time, without resolution to the issue. They repeatedly told me they will phone me back with updates but did not, and told me the money will be refunded in 1-2 billing cycles repeatedly when I call back couple weeks in between. Agents offer conflicting information between phone calls regarding the refund process ( some said I have to authorize the refund after hearing from XXXX accounting, some said there is nothing further for me to day but wait. ) Today, I was told by the manager at XXXX XXXXXXXX XXXX that my reservation was only reflected to be for 4 days and the total was around {$1100.00}. I was in disbelief and concerned that I will never get this money back. I believe Chase is dishonest and not handling my concern and my money in good faith.
Product: Debt collection

The Collection was opened on XX/XX/2016 for the amount of {$940.00}. The reason of the collection was because I refused to pay the company due to the fact that my card had been stolen and used to its max by someone else. After repeated attempts of telling the Company that the card had been stolen and used by someone other then myself, the company refused to disregard the claim.
Product: Credit reporting or other personal consumer reports

Portfolio recovery requested for All three credit credit bureaus to remove XXXX account and XXXX from my credit report on XX/XX/XXXX. Experian FURNISHER did not remove from my credit report. Today ( XX/XX/XXXX ) I call XXXX XXXX associate sent a request for Experian to remove Comenity/Venus and XXXX from credit my report for the second time.
Product: Credit card

This credit card company Capital One/Best Buy is reporting on my credit report {$2400.00} of debt. I requested proof baring my signature on XXXX XXXX, 2016 because I do n't own or have ever owned this credit card and disputed the charge with them. They have failed to do so and also they have also failed to mark my account dispute within 30 days as the Federal law requires them to comply. I have sent three letter since that time they have not provided me with anything especially my signature and they finally way after 30 days marked it disputed. I have copy 's of them receiving my certified mail on XXXX XXXX, 2016 @ XXXX. I also have proof of my credit report printed 31 days later showing they have not marked disputed on my credit report. I am requesting removal on all three credit bureaus because its not mines and they have not gave me anything bearing my signature well over during the time the law required. 

The Federal Laws that they have broken are below : Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the disclosure within the required 30-day period, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] Fair Debt Collection Practices Act. And they may be liable for their willful non-compliance as per FDCPA 807. False or misleading representations [ 15 USC 1962e ].
Product: Debt or credit management

This company called the credit management company. Open an acct in XX/XX/year>2024. This is inaccurate information. I havent received any services. I dont know what this company is I have a balance of XXXX. Which is false information. I am writing to formally file a complaint regarding false information being reported about me by the credit management company. This inaccurate reporting has negatively impacted my credit score and financial standing.
Product: Consumer Loan

Purchased a vehicle from Drive Time 2 years ago. I was told that they would report to the credit bureau, but they are not. Purposely try to make my payments on time, to help my credit, but they refuse to report while it is a positive credit. I do n't want to stop paying the loan, because that is when they will report the negative.
Product: Payday loan, title loan, or personal loan

I took out a {$100.00} loan from Check Smart on XXXX XXXX in XXXX Ohio in late XX/XX/XXXX/early XXXX.My first loan payment was to be made in the month of XXXX. I was unable to make the payment and was contacted by the corporate office to make arrangements. I agreed to pay the amount of the loan in full on XX/XX/XXXX. Although these arrangements had been made, I continued to receive calls from the local store where the loan originated. The most frequent calls were made to my place of employment despite the fact I requested my employer not be contacted. 

I was kept on hold for an excessive time on XX/XX/XXXX and was not able to make the payment. The morning of XX/XX/XXXX, an employee at the local Check Smart called me to ask about the payment. I told her I had already made arrangements with the corporate office and would be calling today to make the payment. The employee asked that I come into the local office to make the payment. I explained that I was at work and could not come in at this time, however the corporate office stated the matter could be taken care of via phone call. The employee then stated, " I know you aren't at work. I called your place of work this morning and was told you weren't there. '' I explained that I do work offsite and that is why I wasn't in the building today. The employee wanted to argue with me that I wasn't at work and accused me of lying. I then reminded her that I had requested not to contacted at work as I am a XXXX XXXX in a XXXX XXXX XXXX for XXXX XXXX XXXX and was not able to take personal calls. The employee stated, " I will continue to call until this matter is taken care of. Make a payment and I will stop calling. '' I explained to the employee that is does go against my rights as a consumer and I felt she was being harassing. Her reply again was, " Well make a payment and I will stop calling. I will note not to call you at work but we will continue to call until this is taken care of. '' The employee then hung up and ended the call without a formal goodbye or any type of resolution. I should mention that Check Smart did disclose to my employer that they were trying to collect a payment on a defaulted loan. This was humiliating as a professional. 

Immediately following this call, I contacted the corporate office and paid off the loan in full, as promised. I was told the calls were being recorded for quality assurance purposes. The company should be in possession of a recording of these conversations and it should serve as proof that the above encounter did occur and the employee at the local Check Smart needs further training on Fair Debt Collection Practices as well as customer service.
Product: Mortgage

The borrower XXXX XXXX, was approved by the first mortgagee, XXXX ( ie. the loan servicer ) for a short sale on his primary residence and under the short sale approval letter, the first mortgagee had agreed to waive a deficiency in excess of {>= $1,000,000}. To close the transaction, an application was made to the second mortgagee, Chase, to obtain a release of lien in order to deliver clear title. The First Mortgagee, XXXX, provided for a payoff of {$8500.00} to Chase on the second mortgage. The short sale approval letter on the first mortgage expires on XXXX XXXX, 2016. An immediate application for approval was submitted to Chase on the second mortgage on XXXX XXXX, 2016. Folks in the Chase collections department are handling the matter. They are seizing the opportunity to delay the transaction, to forbear from rendering a decision, solely for the purpose of holding up the borrower, hoping they can extract more funds from the transaction. It appears that Chase through its senior vice president, XXXX XXXX, Chase has refused to address the application on its merits. As a result, XXXX XXXX will be losing his ability to close under the terms of his approval letter on the first mortgage.
Product: Mortgage

I have been unable to get in contact with Carrington Mortgage LLC, services of my mortgage loan. I used to have XXXX, and XXXX sold loan to Carrington Mortgage. I googled Carrington and they have over XXXX complaints, worst customer service ever. Here is my issue. On XXXX/XXXX/16 I cancelled the remaining portion 1/2 payment mortgage check for XX/XX/XXXX. I cancelled that check and reissued another in {$880.00} amount through XXXX bill pay. The check was sent on XX/XX/XXXX and I know Carrignton Mortgage received it XXXX. XXXX gives it a deliver by date of XX/XX/XXXX. The check still has n't cleared my account as of XX/XX/XXXX and it usually does immediately within 1 day. I want to make sure that Carrington Mortgage does NOT say my check is 30 days late and report to credit bureaus. Full mortgage was received by them within the 30 day allotted time allowance. I 've searched and saw where Carrington Mortgage will falsely indicate 30 day late on credit report and I CAN NOT HAVE THAT. So I 'm trying to prevent this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the reporting of bankruptcy information on my credit report. According to my credit report from the credit reporting agencies, it appears that bankruptcy information has been reported by your agency. However, I would like to bring to your attention that bankruptcy courts do not report directly to the consumer reporting agencies, and it is a violation of the Fair Credit Reporting Act ( FCRA ) for such information to be included in my credit report. 

I would like to emphasize the following points : Bankruptcy Court Reporting : Bankruptcy courts do not provide information directly to consumer reporting agencies. The reporting of bankruptcy information is the responsibility of the creditors and collection agencies involved in the bankruptcy proceedings, and it is their duty to accurately report this information to the credit bureaus. 

Pursuant to 15 USC 1681c ( a ) Bankruptcy information is excluded from the consumer 's report. 
( XXXX, TransUnion, XXXX, XXXX and XXXX ) is in violation of said section for furnishing this information on my consumer report, that was obtained illegally from XXXX XXXX under false pretenses in which they've obtained it from an online electronic system known as XXXX 

Remove this account from my consumer report now!!!