23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Through an article I read I found out that Wells Fargo has admitted a calculation error may have led to as many as 400 struggling homeowners needlessly losing their homes to foreclosure and many others being denied modification even though they were eligible. The affected homeowners were in the foreclosure process between XX/XX/XXXX, and XX/XX/XXXX. 
It also states that the mistake in a mortgage-modification tool, discovered nearly three years ago, wrongly factored lawyers fees into the formula put forth by the government to determine if a homeowner would qualify for a federally backed program, like XX/XX/XXXXs Home Affordable Modification Program, or HAMP, Wells Fargo revealed in a regulatory filing. As a result of the banks error, as many as XXXX customers were incorrectly denied a loan modification, Wells said. 
During this time period I was denied HAMP loan modification over and over again. On Friday XX/XX/XXXX I called Wells Fargo to find out if my loan was one of the loans affected by this glitch. I was given a reference number of XXXX by XXXX XXXX who told me she was transferring this over to the investigator and that I should get a call back on Monday, XX/XX/XXXX. 
To date I have not been called nor have I been advised if my loan is one of the affected loans. 
I want Wells Fargo to investigate and evaluate my loan and advise me in writing with details if in fact my loan is one of the loans affected by the glitch. If my loan is affected by the glitch I want Wells Fargo to reevaluate a loan modification on my loan. My home is in foreclosure and a sale date will be set soon and I am in danger of losing my home. 

My information : XXXX XXXX XXXX Property Address : XXXX XXXX XXXX XXXX, XXXX, FL XXXX Tel : XXXX Wells Fargo Loan Number : XXXX
Product: Checking or savings account

My bank, USAA does not participate in the XXXX XXXX program.
Product: Payday loan, title loan, personal loan, or advance loan

XXXX XX/XX/XXXX XXXX XXXX XXXX. XX/XX/XXXX. XXXX Principal is still XXXX, XXXX XX/XX/XXXX I reached out to company to settle on a payoff, I was told I didn't qualify because I had refinanced the loan XX/XX/XXXX and it was considered a new loan again. 

I have paid over XXXX dollars on the original loan of XXXX. The finance charge is too high to pay the balance. The balance never goes down. 

XX/XX/XXXX I inquired about a settlement payoff again, I was told I would have to offer a payoff of XXXX the principal, which still XXXX. I said it was too high.
Product: Debt collection

Financed A Car in 2011 XXXX XXXX XXXX ... XXXX XXXX ( Buy Here Pay Here ) For XXXX dollars had It almost Paid Off Down to XXXX Dollars ... Car Started Giving Me Multiple Problems Called My Dealership Asking If They Could Have It Fixed Or Put Me In Another Vechicle They Basically Told Me No It Wasent Thier Problem ... I lost Out On Money & Also Had To Find Rides Back & Fourth To Work..Called Them Up To Come & Get The Car & They Wouldnt Take It Back ... Financed From Them Before in Good Standing ... They Also Went out Of Business Shortly After ...
Product: Credit card or prepaid card

Made a pymt five days late as we have a family member hospitalized. Realized it and made the pymt immediately only to have our credit line reduced from {$7500.00} to {$2700.00} without warning. TD Bank listed two reasons on a letter dated XX/XX/18 that are completely untrue as to why the CL was reduced which are 1 ) you are not paying down your balance fast enough and 2 ) number of accts delinquent. We just used the card for the first time and have rec 'd only one statement and have made our pymt although it was five days late. How can this be legal to use false reasons to reduce our CL? Also, the is one old delinquent acct on the three bureaus just as it was when we were immediately approved for the card. When I tried to explain the above, no one wanted to hear it. How can this be legal to now use this as a basis for reducing the CL? Fortunately we are in the position to pay off what we owe and open a new acct to help offset our closing of this acct which we will do soon. We have abt $ XXXX available in unsecured credit and certainly don't have to be treated this way without so much as a phone call. Their customer service could care less. I'm assuming by the way TD Bank does business that they have never made a mistake or missed a pymt for a very legitimate reason, caught it and corrected it immediately. Please be careful using TD Bank and making a mistake. Our error cost us 85+ points in our credit scores overnight.
Product: Credit reporting or other personal consumer reports

I noticed an account that was reported on my credit report that does not belongs to me. 

I contacted the Debt Collector listed on my credit and the Credit Bureau ( XXXX ) today XX/XX/2023 at XXXX. 

I explained to the Debt collector that the account doesn't belong to me and the Representative lied and stated that he was working on the behalf of another lender, which I explained that I Disputed the other lender ( XXXX XXXX ) for Identity Fraud and they removed the account from my credit report. 

I've tried to talk to the debt collector and asked to see the purchase agreement with my signature. The information they stated on my credit report were inaccurate. 

The debt collector stated that the last payment were sent to them sometime last year, but refused to provide me the proof. 

I would like for this incorrect/Fraud account removed from my credit report immediately.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : This is my second time writing you to update my personal information.

15 USC 1681 ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above.

Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 
Please send an updated credit report once the changes are complete to my contact information listed. 
My contact information is as follows : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Consumer Loan

Southwest Recovery is not licensed in the state of MS. Southwest has made repeat phone calls. Southwest is in complete violation yet they have not ceased.
Product: Debt collection

My XXXXXXXX XXXX debt was placed in a receivership by Zwicker & Associates. I paid off the receivership about a year ago. I received the paperwork from the receiver that it was paid. That paperwork was sent to Zwicker & Associates at that time. Zwicker failed to file it with the court until recently. I have requested the final release of lien paperwork by phone and by email numerous times and am getting nowhere. This should have been updated on my credit report long ago, but my credit score is still suffering due to Zwicker & Associates ' negligence and refusal to send my documentation. I've also requested they update my address by phone and email several times, but they refuse to update my address in their system.
Product: Mortgage

I wanted to try to pay {$100.00} towards the principal balance on my mortgage in addition to my monthly amount to experiment with the online principal paydown feature on the Newrez website. Unfortunately, this {$100.00} extra paydown triggered a complete month 's pre-payment of several thousand dollars ON TOP of the auto-scheduled, monthly mortgage payment that runs every month. 

When I saw two large withdrawals from my checking account on XXXX, I called Newrez to explain the issue and reverse the large withdrawal. Customer service could not support me and said to do it online. I called back to loan servicing and asked for a supervisor who then transferred me to debt servicing. Then, with XXXX XXXX on XXXX, I was promised that this XXXX would be reversed quickly in XXXX business days. A week went by and I called back on XX/XX/XXXX, XXXX XXXX from loan servicing said that a check was being processed and that it would be going in the mail soon. This isn't what a customer expected to hear. XXXX XXXX said that she would cancel the check and submit a request to another department to refund the extra payment to my checking account via direct ACH transfer the next day. I wait until Friday, XX/XX/XXXX and call back. XXXX XXXX could see the record of my asks in the debt servicing department and unfortunately, said that there was an input to have a check cut and mailed from XX/XX/XXXX. I expressed my concern about having other bills to pay and overdraft fees to avoid due to this Newrez mess. She said that she had escalated this to her supervisor even after I asked to be transferred online to the accounts payable team. I did not trust Newrez to do it without walking them through the electronic ACH reversal to my account while I was on the phone. Too bad this was not possible at Newrez. I was told to wait until Monday morning when the accounts payable team would receive the notice and execute the transfer. They have missed the deadline. I'm pulling funds out of emergency savings to get through the month. They need better customer support if they want to be a respected lender.
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 is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Payday loan, title loan, or personal loan

I received a phone after being online looking for personal loans. A guy said I was approved For XXXX and that they would just need to help me raise my credit score a little bit so the said they were going to deposit money in my acct I needed to return it right away so it looked like I was making a Payment before it was due. They said their name was freedom plus loan and that to get just deposited money into my account that I need to it right back right away. My bank showed a deposit and later I did covered the deposited that were made were not from that XXXX XXXX did cause the guy called my bank made claims and it was a credit towards the claims. I tried to reach back out to the number they were talking to me on and no response.
Product: Checking or savings account

On Thursday XX/XX/XXXX, a deposit of {$1100.00} was being put into a Bank of America ATM machine at XXXX XXXX XXXX., XXXX CA. After it took the money in the machine the screen said transaction cancelled and shut off. No receipt was given or money returned. Checking account was never credited. My husband proceeded to go into the branch and was told by the Manager that there was nothing they could do and just provided the customer service number and that due to banking error they would give us our money immediately. Called Thursday and opened a claim and asked for it to be escalated due to hardship. The money was for us to pay part of our rent. Called again on XX/XX/XXXX and was told a claim was never opened so they proceeded to open one. I asked to speak to a manager and was denied of that. Was told that a tech needed to be sent out to review the ATM machine. Called back on Monday XXXX and still nothing had bene done and was told that it was never escalated as a financial hardship so would be doing then. I've been mislead by what was being told to me. I called XX/XX/XXXX and was told it was pending for a temp credit and would be there by today XX/XX/XXXX. Money is still not credited. This is negligence on Bank of America due to their banking error and resulting in financial loss on our end. I told them i was given till Tuesday XX/XX/XXXX to pay the rest of my rent and they did nothing but mislead me by several associates. Called today XX/XX/XXXX and was told they denied the hardship escalation and would issue the money by XX/XX/XXXX. I first called on XX/XX/XXXX and i told them how can it be denied as a hardship when it was a Bank of America error. Bank of America doesn't think having to survive and pay bills is a hardship. Had an associate tell me I should have known this from when i signed the paper when i was XXXX XXXX XXXX. I'm XXXX XXXX XXXX now. It's really mind blowing how much urgency they put into situations like this and misleading all their associates are to the customers. I've been with Bank of America for 20 years and will be closing my account after this gets resolved if it ever does. My family members will also be closing out all accounts as well.
Product: Credit reporting or other personal consumer reports

DEPARTMENT OF EDUCATION continues to claim and report that I, owe a debt Ive come to provide proper identification and rebut the claim The debt in my personal knowledge and belief has already been paid and no debt exists Pursuant HJR 192 of 1933 all debts are obligation to the CORPORATE UNITED STATES which i am not apart of or in here is proof and evidence of my rebuttal Let the debt read as Paid In Full, Never Late
Product: Mortgage

When Nationstar took over the servicing of the loan from XXXX XXXXXXXX XXXX they started refusing to accept my payments and started send them back to me putting the loan in default. I did everything I could to stop them from doing this, continued making the payments that were stated on the XXXX loan modification from XXXX XXXX XXXX but they still refused to accept the checks that I sent in. They denied that I had made every payment since the beginning of the recorded loan mod even though I sent them all of the checks that XXXX XXXXXXXX XXXX had cashed. 
I had several people try to talk to them including attorneys, fraud investigators, and loan mod companies but they were unwilling to look into their errors and kept denying that there were errors. 
I finally was told by attorneys that the only choice I had was to sue them. I have been in a lawsuit with them for years and the court is now awaiting the results of the case called XXXX XXXX XXXX XXXX and said that they would decide on my case after that case was decided. Nevertheless, Nationstar is trying to sell my house in a trustee sale. It is causing the reduction in value of my house and many uninvited people are coming to my house and calling nonstop trying to buy it for way less than the actual value of the house. Having strange people show up at my house unexpectedly is causing stress to my pets and to me. 
I do not want to sell my house and I plan to stay here as I have put a lot of money into this property and I have lived here for 27 years. I know all of my neighbors and I feel safe here except for the people that Nationstar is causing to come to my house uninvited as they are advertising it for sale on their XXXX   web site. I tried to have them do another loan modification but they will not talk to me or to the loan modification companies who tried to help me put the documents together and submit them to Nationstar. I have tried several companies and they all said that Nationstar will not communicate with them even though my attorney has given them the authorization to talk to these companies. 
They are making it impossible to do anything but sue them. 
Apparently the CFPB and AGs have already sued them for the exact same things in my lawsuit and they settled with them which seems to just give them license to continue with their unlawful ways. This needs to be corrected. 
Nationstar just thinks that they are above the law and if someone does not stop them they will continue to hurt many people.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of a student loan account opened at XXXX, account number XXXX, opened on XX/XX/XXXX ; a car loan with XXXX, account number XXXX, opened on XX/XX/XXXX ; a student loan account opened at XXXX, account number XXXX, opened on XX/XX/XXXX ; an unsecured credit card at XXXX XXXX  XXXX, account XXXX XXXX, opened on XX/XX/XXXX ; an unsecured credit card at XXXX, account number XXXX, opened on XX/XX/XXXX ; an unsecured credit card at XXXXXXXX XXXX XXXX, account number XXXX, opened on XX/XX/XXXX ; an unsecured credit card at XXXX XXXX XXXX XXXX, account number XXXX XXXX XXXX XXXX XX/XX/XXXX ; a collection account at XXXX, account number XXXX, opened on XX/XX/XXXX ; a car loan with XXXX XXXX, account number XXXX, opened on XX/XX/XXXX ; an unsecured credit card at XXXXXXXX XXXX XXXXXXXX, account number XXXX, opened on XX/XX/XXXX ; an unsecured credit card at XXXX  XXXX XXXX, account number XXXX, opened on XX/XX/XXXX ; an unsecured credit card XXXX XXXX, account number XXXX, opened on XX/XX/XXXX ; an unsecured credit card at XXXX XXXX XXXX XXXXXXXX, account number XXXX, opened on XX/XX/XXXX ; a personal charge account XXXX XXXX XXXX account number XXXX, opened on XX/XX/XXXX ; an unsecured credit card at XXXX, account number XXXX, opened on XX/XX/XXXX ; a personal charge account at XXXX account number XXXX, opened on XX/XX/XXXX ; a collection account with XXXX, account number XXXX, opened on XX/XX/XXXX XXXX a XXXX account with XXXX XXXX XXXX, account number XXXX, opened on XX/XX/XXXX ; an unsecured credit card with XXXX XXXX, account number XXXX, opened on XX/XX/XXXX ; and a collection account at XXXX, account number XXXX, opened on XX/XX/XXXX. 
These accounts have resulted in fraudulent collections appearing on my consumer FICO credit report. All the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts and collections are the result of identity theft and fraud.
Product: Debt collection

Credit acceptance and the compliance officer XXXX continue to send the documents that I have already sent disregarding a lawful debt request claiming what Im requesting is non applicable and making the law only work for their benefit I am now requesting XXXX full name to hold her accountable in federal court for anticipatory repudication. Also for continuing to report false information on credit report their is no dispute only a conditional acceptance which XXXX is avoiding and disregarding law
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to Equifax on XX/XX/2020 about some incorrect things on my credit report. I sent this letter almost 2 months ago and still haven't received a response yet. I have sent multiple letters and no response. This is stressing me out especially with everything with corona and my family. I simply want action being taken and my time and complaint to be valued and considered.
Product: Student loan

Hello, when I graduated in XXXX 1990 my Student Loan balance leaving was approx. {$22000.00}. It was a combination of XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Perkins XXXX, and XXXX : XXXX Stafford loans. I consolidated these loans through XXXX XXXX. Today, 27 years later, my current balance is {$35000.00}. My loan is currently held by American Education Services and is in good standing. I had issues finding a job and making payments when I graduated. Over the years I have put off payments with forbearance and negotiated with lenders as my Student Loan was bought and sold. At one point in time I made a payment of {$10000.00} to get it back in good standing. I always kept my loans from being employer wage garnished. I am seeking advice in investigating how my Student Loan got to where it is today. Thank You.
Product: Mortgage

There was a Forbearance period ending XX/XX/2024. A payment was sent to XXXX  via bill payment as it is normally done. It was sent during the Forbearance plan.. It was scheduled the same method, Bank, account as it has always been done. XXXX rejected the payment. Per your XXXX  terms and conditions any paymwnt could be made during the Forbearance and the amount due would be reduced. XXXX decided to reject the account and make it XXXX  days due vs XXXX  days due. XXXX has XXXX the messages communication method. I have video proof. 
XXXX refused a Deferral. 
XXXX payments will be sent on XX/XX/XXXX and another one on on XX/XX/XXXX. Another payment on XX/XX/XXXX and another payment XXXX XXXXThis will make the account be caught up. 
XXXX  XXXX XXXX has provided proof it is exactly the same account the money always comes out of and exactly the same account of XXXX goes to. This demonstrates the bad faith, malice, predatory practices that XXXX has because it refused any payment during the Forbearance period. 
This is also XXXX XXXX. This is my primary home.

A full payment history with copies of all checks is requested.

A full note history is requested.

There is also a negative escrow on the account due to an insurance adjustment. A request for an escrow shortage spread is requested.
Product: Credit card or prepaid card

I have the Target XXXX  Card which I use for purchases online and in-store at Target. I realized that my statement does not itemize my purchases. Instead, purchases are listed by the date and total amount. I reached out to Target today and they told me I can cross reference using the Target XXXX  but this is unrealistic. Nobody has the time for this. What about people who aren't able to use the app or have a computer? Are they supposed to keep paper receipts and cross reference every month? This seems discriminatory, edging on elder abuse, and makes it impossible to monitor for fraud.