23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XXXX XX/XX/XXXX, Mr. Cooper Mortgage mailed a letter along with a check to my address with an incorrect legal name in the amount of {$4900.00}. Mr. Cooper Mortgage is not the originator of the loan, and over the past several years the previous mortgage company always paid the property tax bill directly to the XXXXXXXX XXXX XXXXXXXX XXXX. I faxed over the letter, the incorrect check which I marked VOID on it, and the XXXX XXXX Wisconsin Real Estate Property Tax Bill For XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX directly to Mr. Cooper Mortgage to ( XXXX ) XXXX on XXXX XX/XX/XXXX @ XXXX CST. A confirmation letter was received. In XX/XX/XXXX, I called to verify if Mr. Cooper Mortgage received the fax with the XXXX XXXX Wisconsin Real Estate Property Tax Bill For XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX stating payment due on XXXX XX/XX/XXXX. Mr. Cooper Mortgage company stated yes. I asked if the tax department paid the real estate property tax bill for XXXX directly to the XXXXXXXX XXXX XXXXXXXX XXXX since it was approximately two ( 2 ) weeks before the bill was coming due on XXXX XX/XX/XXXX. Mr. Cooper Mortgage stated no. The real estate tax bill for XXXX to the XXXXXXXX XXXX XXXXXXXX XXXX in the amount of {$4800.00} was finally paid LATE on XXXX XX/XX/XXXX. In addition, Mr. Cooper Mortgage states that I have a shortage in the escrow account in a letter dated XXXX XX/XX/XXXX in the approximate amount of {$5000.00}. The statement clearly shows a payment in XX/XX/XXXX in the amount of {$4900.00} in which the check was marked VOID on it sent via fax back on XXXX XX/XX/XXXX ; and a payment in XX/XX/XXXX in the amount of {$4800.00} for the real estate property tax bill for XXXX XXXX XXXX XXXXXXXX XXXX. So, now Mr. Cooper Mortgage is showing that payment for the real estate property tax bill for XXXX has been DOUBLE paid to the XXXX XXXX XXXX XXXXXXXX, not showing any credit for the VOIDED check in the amount of {$4900.00} which was faxed to them on XXXX XX/XX/XXXX. The 'new ' monthly mortgage payment is now approximately over {$400.00} in addition to the regular payment for the so-called {$5000.00} shortage in escrow which is utter falsehood and continued incompetence on their part.
Product: Student loan

I am submitting this formal complaint against MOHELA regarding issues with my XXXX-XXXX  XXXX ( XXXX  ) application and the continued miscommunication I have experienced with their customer service team. 

In XX/XX/XXXX, I submitted an XXXX  application to MOHELA, expecting the proper processing of my request. However, in XX/XX/XXXX, I received a notification indicating that my XXXX plan had ended and that my standard payment of {$1400.00} would resume due to my failure to apply for XXXX. This notification was incorrect, as I had already submitted my XXXX  application well in advance. 

Since receiving this notification, I have attempted to resolve the issue by contacting MOHELAs customer service several times. On each occasion, I was placed on hold for almost XXXX hours before speaking with a representative. I was told by the representatives that the delay in processing my XXXX application was due to the government and that MOHELA was unable to proceed. However, no clear explanation was provided, nor was any resolution offered. 

In XX/XX/XXXX, I received a letter from MOHELA stating that my new monthly payment was {$1400.00} and would begin on XX/XX/XXXX. This contradicts previous information I was given over the phone, where I was told I was in forbearance. The representative instructed me to call backagain, after an extended hold timeto request an extension of forbearance until my XXXX  application could be processed. 

This ongoing confusion and lack of communication from MOHELA have created significant distress and uncertainty regarding my loan payments. Despite my repeated attempts to resolve the issue, MOHELA has failed to provide a timely and accurate resolution, leaving me unsure of my current payment status and options. 

I am seeking assistance from the Consumer Financial Protection Bureau to ensure that my XXXX application is processed correctly and that any unnecessary or incorrect payments are avoided. I request that MOHELA promptly resolve this issue and provide me with accurate, clear, and timely communication regarding my XXXX  status and payment schedule. 

Thank you for your attention to this matter. I look forward to your assistance in resolving this issue.
Product: Checking or savings account

I wired money from Marcus Goldman Sachs USA to an external Account on XX/XX/21 and The external Account never received the wire. XXXX XXXX XXXX never sent it back but I gave them the IMAD number to track it and it was never received by them. They told me to contact the FDIC cause they were worried that Goldman Sachs USA was committing fraud.
Product: Credit reporting or other personal consumer reports

*This is an update of my last complaint. 

Delete Hard Inquiries from Equifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. The accounts below have violated my rights. 15 U.S.C 1681 section 602A. 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 ) ( a ) 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

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXX/XX/XXXX Balance : {$25000.00} Charged off XXXX XXXX XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX XXXX XXXX XX/XX/XXXX Balance : {$910000.00} Late/Open XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$650000.00} Late/Open XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance : {$90000.00} Late/Open
Product: Credit reporting or other personal consumer reports

On Friday XX/XX/XXXX I went in for an auto loan at local dealership. The next day XX/XX/XXXX, my XXXX credit score dropped XXXX points as a result of the credit inquiry. The following business day, XX/XX/XXXX my credit score dropped an additional 30 payments with an explanation of late car payment. I have one car payment left on a 72 month loan and the car payment was only a few days passed do. I believe I am subject to racial and religious discrimination. I have filed multiple lawsuits against the US govt for poisoining, racial/religious discrimination, due to a book a I wrote and religious organization I created in XXXX. 

The book is XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX ''. The organization is XXXX XXXX XXXX XXXX XXXX XXXX. 

You can visit XXXX  for more information. If you click the link on the website for the free e-book it pulls up a XXXX XXXX with links to federal and litigation against the US government. 

Also, I am insane please visit my linkedin XXXX XXXX XXXXXXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, partially in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate to investigate my claims adequately. They informed me that recovering lost funds was impossible and that only tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Money transfer, virtual currency, or money service

I am writing to follow up on my previous correspondence regarding unauthorized transactions that took place on XX/XX/2023, resulting in a substantial loss of {$2600.00} worth of cryptocurrency from my account Coinbase Google extension wallets. 

This is from the policy report that I had submitted shortly after. The actual cryptocurrency wallet address here are abbreviated : -- POLICE REPORT : I am writing to report fraudulent transactions that occurred onXXXX XXXX XXXX involving my BlockFi.com account. On that date, two unauthorized transactions took place, as detailed below:1. **Bitcoin Transaction : ** - Sent Bitcoin : XXXX XXXX - Amount : XXXX - From : XXXX - To : XXXX - Date : XXXX AM XX/XX/2023 - Transaction hash : XXXX - Status : Complete - Network fee : XXXX XXXX XXXX - Total cost : XXXX. XXXX XXXX XXXX XXXX  - Sent Ethereum : XXXXXXXX XXXX - Amount : XXXX - From : XXXX - To : darllymane.cb.id XXXX - Date : XXXXXXXX XXXX XXXXXX/XX/2023 - Network : XXXX XXXX Transaction hash : XXXX - Status : Complete - Network fee : XXXX XXXXXXXX XXXX - Total cost : XXXX -- -- I am writing to seek confirmation that I will be reimbursed for the stolen amount of cryptocurrency by Coinbase XXXX Despite my previous reports and requests for assistance, I have not received a response regarding the reimbursement of the stolen funds. 

The loss of this substantial amount of cryptocurrency has had a severe impact on my financial situation, and I kindly request your immediate attention and confirmation that the stolen funds will be reimbursed to my account. Your cooperation in resolving this matter and providing assurance of reimbursement would be greatly appreciated. 

Please provide updates on the ongoing investigation and the measures being taken to address this issue. Additionally, I kindly request a timeline for when I can expect the reimbursement to be processed. 

Please let me know if there is any additional information or clarification required to expedite this process. I look forward to your prompt response and confirmation of reimbursement for the stolen amount of cryptocurrency. 

Sincerely, XXXX XXXX XXXX
Product: Student loan

As a young college student it was necessary to receive student loans in order to receive a college education. Once out of college, trying to understand my credit and loan situation I was sent to XXXX XXXX. I naively asked them to assist in setting up a payment plan to ensure I was covering interest and paying my loans off. The woman on the phone advised that I should use the " income based '' payment plans, which I did. As a professional helping a young individual sort through the very intimidating process, I had no choice but to trust what she was saying was in fact the truth. I have now applied for a mortgage and come to find out, my mortgage broker was able to find that I have only been paying interest and XXXX towards my actual balance. Long story short, I have simply been paying the company to maintain my loans. Their practice is incredibly misleading. It took me repeatedly asking for an actual breakdown which the representative certainly did not want to give me. Our young are being taken advantage of by large companies and XXXX is the epitome of this. They need to be honest and transparent instead of money hungry and dishonest.
Product: Mortgage

Since XXXX of 2013, I have been going submitting documents to modify my home and the company who I have my mortgage with has been asking me to submit the same documents over and over again. My interest is going up this month XXXX XXXX XXXX 4.75 %. The reason I need to modify my home is because I was getting child support of {$750.00} and it ended in XXXX. I submitted my documents 3 mths in advance in order to give them ample time to work on my modification. However, they are giving me the run around and continue asking me for documents they already have. I have continued paying my mortgage and because of this I can no longer pay.. I want this resolve asap. 

Thank you.
Product: Credit card or prepaid card

BANK OF AMERCIA CREDIT CARD FRAUD ON XXXX REFUSES TO CREDIT MY CLAIM FOR {$22.00}, ON XXXX, AT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. FRAUD REPRESENTAIVE SAID " THATS IT. OTHER FRAUD WAS REPORTED FOR RESTRAUANT SERVERS AND CREDITED MY ACCONUT. XXXX OF THESE SERVERS USE MY CREDIT CARD INFORMATION. 

XXXX. CREDIT CARD FRAUD REPRESENITIVE STATED THE FIRST TIME THAT THEY DIDN'T FLAG IT OR DID THEY THE SECOND TIME FOR FRAUD.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act XXXX Account # 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
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I applied for a credit card XXXX XXXX is a credit card created by XXXX XXXX and issued by XXXX XXXX. My application was denied because XXXX XXXX XXXX informs me in the application decision that my Trans Union credit bureau reports to them that I have a recently closed CHECKING/SAVINGS ACCOUNT. 

I contacted the Trans Union company and a manager informs me that my credit record does not show that I recently had a RECENTLY CLOSED SAVINGS OR CHECKING BANK ACCOUNT, therefore there is incorrect information in the credit application decision. 
I contacted the credit bank XXXX XXXX is a credit card created by XXXX XXXX and issued by XXXX XXXX XXXX and a manager responded to me informing me that the only way they can reconsider my application is for Trans Union to confirm to them that there is incorrect information in the decision and therefore does not exist in the credit record that there is a recently closed checking or savings account. 

I contacted Trans Union again and they do not have a letter format to send to XXXX XXXX XXXX bank the rectification that there is incorrect information in the decision of my application for the XXXX credit card. Only they can give me a copy of my credit record, which I should send to XXXX XXXX XXXX so they can see that in my record I don't have a recently closed CHECK OR SAVINGS ACCOUNT. 

I as a client, I am being a victim of this injustice and the lack of communication between these 2 companies. I am making this complaint so that they please agree and comply with the fair credit law. 
I ask that Trans Union please inform XXXX XXXX XXXX that I have not recently had any CHECKING OR SAVINGS CLOSED accounts and that this is not shown by my credit report, on which they are reliing to deny me the credit card. 
I also request that XXXX XXXX XXXX reconsider my application based on the response to be provided by Trans Union, which shall report that the information in the negative credit card response provided to me by XXXX XXXX XXXX is incorrect. 

Attached the XXXX XXXX XXXX credit card refusal response, where it shows that they are based on information obtained from the company Trans Union.
Product: Checking or savings account

I lost my phone and wallet on my commute home on the evening of XX/XX/XXXX. I realized this after I arrived at the office and my phone wasn't on my desk where I guessed it was. I retrieved my personal belongings in the evening on XX/XX/XXXX from a train station employee. 
I have since had all my funds depleted from my account. My tax refund deposited was also spent. I contacted SOFI to dispute the fraudulent charges and filed a police report subsequentially. My claim has been unfairly denied and I am facing eviction and repossession because of constraints caused by lack of access to my money.
Product: Credit card

I received a letter in XXXX stating that my mortgage company had a data breach. The mortgage company is XXXX XXXX. My mortgage company is a sister company of that one. On XX/XX/XXXX, I received a voice message from XXXX at Citibank involving my Citi Bank Thank You Preferred card ending in XXXX. We cancelled out that card./ The new credit card is ending in XXXX. The reference number was XXXX. She asked us if we authorized a balance transfer on that card. We said no we did not authorize any charges on that card. We received a statement with a credit on it for {$9900.00}. We received a letter on XX/XX/year>, from card member services saying that we were responsible and they closed their depute and we are responsible for a balance transfer in the amount of {$5500.00}. The balance transfer says that it was electronically transferred into a valid account or name of authorized user at XXXX Mastercard and visa. Any future requests for reembursement should be directed to XXXX Mastercard and visa. We did not make this transaction and do not have that money. We have been going through identity theft with a number of our cards. 

XXXX XXXX has our account in the fraud unit due to charges we did not make. They also changed the answer to the security question about mother 's maiden name. We would like to open up a dispute again because this was not us, and we do not know what XXXX account this was done to.
Product: Credit card or prepaid card

Citibank has been lowering the credit limit on some of my accounts without cause. They send a notice via email stating cause from a credit reporting agency. They lower the limit and then report it to the bureau which affects my scores. The scores drop and they do it all over again. I do not pay late and most cards are on autopay with more than minimum amount. They have done this four times to me in the last 6 months.
Product: Debt collection

The United States Treasury Department and other federal agencies established the Home Affordable Modification Program ( henceforth " HAMP '' ) as part of the Making Home Affordable Program as authorized and enable by 12 USC 5201 et seq. The HAMP are incorporated in the terms of the subject contract between parties. The Making Home Affordable, Handbook for Servicers of GSE and Non-GSE Mortgages, 4 2MP Process and the Supplemental Directive 13-05, G. Section 4 of Chapter V, 2MP Process state in relevant part : " When a borrower 's first lien is modified under HAMP ( Tier 1 or Tier 2 ) or a Standard Modification by XX/XX/XXXX. The 2MP servicer must offer to modify or extinguish the corresponding second lien ... .. In addition, if the borrower 's first lien is modified under HAMP or a qualifying GSE Standard Modification, the 2MP servicer must dismiss any outstanding foreclosure action on the borrower 's second lien.

On XX/XX/XXXX, I enter into a loan modification agreement, therefore as per the mentioned Treasury Rules, the second lien holder One west Bank was supposed to either offer a loan modification or extinguish the debt. Ones west bank failed to do either and instead sold the loan to XXXX XXXX to enforce the debt.

These actions are in violation of the precedent stipulated Rules set forth as part of the Loss mitigation Resolution by the treasury department. The record reveals that i entered into a loan modification agreement prior to XX/XX/XXXX, and that the lien holder one west bank failed to abide by the Treasury Rules in regards to the debt. At this time debt collector and its affiliates XXXX XXXX, can not enforce a debt that should have been extinguished at this juncture.
Product: Credit reporting, credit repair services, or other personal consumer reports

I setup my LEASE PAYMENT account online with Chrystal Capital Financial since day one as AUTO-PAYMENT, & their setup clearly says PLAN END DATE : UNTIL CANCELLATION no other options, it is only one default option & I never canceled my auto payment either. 
But what happened is, Chrysler Financial stopped withdrawing my auto payment on their own on XX/XX/2019 & put it on my Delinquent credit as overdue late payment of {$99.00} on XX/XX/2019. 
So tried to reach them directly twice XX/XX/2019 & XX/XX/2019 so they fix their mistake & once thru the 3 credit bureau all on XX/XX/2019 but Chrysler Capital are not cooperating & always reply back with only 1 answer copied from their letter : We have investigated your dispute & verified the information provided to the National Credit Reporting Agencies is accurate. It is our policy to report all consumer accounts to the credit reporting agencies in a consistent & accurate manner, considering they dont accept phone calls or emails it is only mail to get in touch with them. 
Their report would be correct only if I setup my account for end date which not an option for me AS SHOWING ATTACHED, or I canceled it which I didnt do either, but I did my step until cancellation which should be end of my lease term ( 36 month ). But they did terminated my auto payment without notifying me so I pay on time, also they said the auto pay is only 24 month but my lease is 36 month & their website doesnt show any warning or notification clearing it is only 24 month auto payment Attached is a screen capture for Chrysler Capital website demonstrating the steps setting the auto payment proofing no warning of the 24 month ending but stating UNTIL CANCELLATION so it is not my fault & I didnt overdue my payment, but they didnt withdraw the payment & terminated my auto payment on their own. If they didnt stop my auto payment without warning or notifying me it would be posted on time.