23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

XX/XX/XXXX - Current student loan principal balance : {$35000.00}, with interest : {$45000.00} XX/XX/XXXX - Original student loan principal balance : {$12000.00}. 


XX/XX/XXXX - Department of education sells my loan to Suntrust. 
XX/XX/XXXX - Suntrust DOUBLES my principal balance, claiming it to be a finance charge. 


Started as a {$13000.00} loan, I have made AT LEAST {$13000.00} in payments ( NOT OF WHICH ALL HAVE BEEN ACCOUNTED FOR ) and I now will end up paying an additional {$100000.00} to repay this loan in full. This does not seem legal at all! How can Suntrust legally double the principal of my loan under the guise of 'finance charge '?
Product: Student loan

I recently refinanced my student loans from the loan servicer, XXXX to a student loan refinancing company called XXXX. There was a credit in the amount of {$780.00}. This amount has not been applied to my balance with XXXX or me directly. I contacted both companies, XXXX and XXXX. I am not to obtain a status on the balance. 
I am also accruing interest against higher balance than I should. I am requesting the assistance of the Consumer Financial Protection Bureau to assist in resolving this matter.
Product: Debt collection

XXXX is the company I work for, sent a letter of garnishment from Cooling & Winter, LLc for XXXX. I pulled my credit report to see what was going on and I had XXXX out standing tax liens on the property I lived in before it was foreclosed. 
I called the tax office for the county and they informed me no tax owed. So I called company payroll to see if i could get a copy of the paper work they received to garnish my wages. I have a copy and it states I owe XXXX dollars. The total debt on my credit report does not add up to this amount including student loans. So this stinks of foul play. I called Cooling and Winters a week ago with my call back information and i have not heard from them. I need to know why is my pay being garnished, no debtors have sent me information about this debt for that amount and how do I get my money back.
Product: Bank account or service

I was not allowed to purchase a XXXX at my bank, with no valid explanation, and treated with disrespect and sarcasm.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following items mentioned below were totally incorrect or has inaccurateinformationbeing stated. 
XXXX XXXX XXXX Balance : {$140.00} Please reinvestigate this account, I was never late on this specific account. You have notified me about the late, if theres any, but since I have not received any notification letter, email or any kinds of contacts from this company, this certain remarks should be corrected immediately. 

XXXX XXXX XXXX Balance : {$0.00} Why is this account still in my report? This account has been closed with no balance owed. Please justify the deletion request for this account. Also, provide any documentation to validate that your investigation and remarks are correct. Nonetheless, delete this account immediately. 

XXXX XXXX Date of inquiry XX/XX/XXXX Could you corroborate the accuracy of this reporting since I don't recall inquiring about this company? If needed, delete it from my report. 

XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX Hurriedly check the date presented as I think it may be a possible mistake. Revise or discard this information from appearing on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, I checked my personal credit report, which I acquired from Transunion and XXXX organization on XX/XX/2021 and I noticed that this unauthorized inquiry had been made : I am unaware of these inquires from Transunion ( XXXX XXXX XXXX XXXXXXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX }. I am unaware of these inquires from XXXX ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 ) I contacted every creditor who placed the inquiry, and asked them to remove their credit inquiry from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than XXXX business days ago, they have failed to respond and honor my request.Therefore, I must request your help in resolving this matter. In accordance with the Fair Credit Reporting Act, I request you immediately initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry.
Product: Credit card or prepaid card

Capital one closed my credit card because they stated the payments were inconsistent, but my credit is reporting that there has never been a late payment.
Product: Credit reporting or other personal consumer reports

THIS ACCOUNT HAVE NO MONTHLY HISTORICAL DATA YET PLACED IN COLLECTION BY NOTE? WHEN DID THE ACCOUNT GO INTO " ALLEGED COLLECTION ''? WHERE IS THE MONTHLY INFORMATION? ACCORDING TO COMPLIANCE PROTOCOL YOU MUST DELETE IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN AN EFFORT TO REPAIR MY CREDIT REPORT, I DISPUTED ALL INCORRECT INFORMATION ON MY REPORT AS OFXX/XX/21. SPECIFICALLY WITH XXXX XXXX XXXX. 
AS OF XX/XX/2021, THIS ACCOUNT WENT TO LITIGATION AND A SETTLEMENT STIPULATION IN THE AMOUNT OF {$1300.00} WAS REACHED BETWEEN MYSELF AND XXXX XXXX XXXX. I PAY {$220.00} PER MONTH UNTIL THE BALANCE IS PAID IN FULL. AS OF THIS DATE ( XX/XX/XXXX ) THE BALANCE REMAINING IS {$450.00}. 
I HAVE PROVIDED DOCUMENTATION TO EXPERIAN AS PROOF OF THE AMOUNT AGREED UPON IN THE STIPULATION SO THAT MY CREDIT REPORT COULD BE UPDATED TO REFLECT THE NEW STATUS OF THIS ACCOUNT. 
SINCE EXPERIAN 'S REINVESTIGATION HAS BEEN COMPLETED, THE INCORRECT AMOUNT AND STATUS OF THIS ACCOUNT HAS CHANGED AND HAS NEGATIVELY AFFECTED MY CREDIT PROFILE/ REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumer Financial Services- Located at XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX is still reporting to XXXX as is this loan is open. The balance increased. This account is closed and paid in full. I continue to have issue with this account.
Product: Mortgage

Dietech Financial, aka Greentree will be forclosing on a house located at XXXX XXXX XXXX XXXX. today at XXXX XXXX pst. They have not dealt in good faith with us and have " dual tracked '' this house in that they told us we were eligible and be considered for a loan modification. We have also submitted an offer and a short sale package to them within the time line that they set.
Product: Credit reporting or other personal consumer reports

Experian has failed to remove addresses that dont belong to me after multiple notices mailed to them. They refuse to respond or delete the addresses.
Product: Credit reporting or other personal consumer reports

I'll start of by saying that this process has been enduring..to say the least. With that being said, I am a victim of the Equifax data breach and with all current events considered I feel I am owed compensation as its needed more than ever. I've had to shut down multiple accts/ cards due to this matter. Please remove any negative inquiry 's from the XXXX yr. 

My name is XXXX XXXX XXXX XXXX : XXXX Address : XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX VA XXXX Equifax XXXX # XXXX
Product: Credit reporting or other personal consumer reports

Based on XXXX  records, they indicate that I enrolled in XXXX. This is inaccurate. I did not enroll or obtain a student loan in 2020
Product: Mortgage

XXXX 2016, we submitted a loan application and the required docs and received a Pre-Approval letter by Insight Loans so we placed a contract on a home based on the amount of the Pre-Approval. 

Awaiting closing, we packed up our entire household items, informed our landlord that we were moving out so he arranged showings on the house, and many other time consuming and/or costly changes. A few days before closing, we had n't received any updates except a few text messages stating that underwriting was very busy but rest assured everything will be fine. Closing day came and went without any return calls/emails that we made as well as requests from our realtor and the seller 's realtor. We also emailed XXXX XXXX ( lender ), to no avail. 

A day after expected close date, we were asked for an extension from Insight. The sellers did not give us an extension because they were very frustrated and had already moved out ( expecting to close ) and paying XXXX mortgages. We never received an update from Insight Loans that day and the home was put back on the market. 

Later that week, we were informed that the Senior Underwriter did n't approve our loan! We were in shock! NOTHING had changed on our end - everything remained the same. The final excuse we received as to why our loan was declined was because the Loan Officer calculated the income incorrectly. 

We understand that closings fall through all of the time due to changes that occur on the buyer 's end. However, there were NO changes on our end and the loan officer agreed. We met every condition the underwriter had sent. We are devastated that we lost the home and how this affected many families. The after-the-fact apology that was received by the loan officer does not begin to make up for what we are going through. 

How could this process go this far and then only receive an excuse of " the income was calculated incorrectly ''?? We have it all documented in an email. 

We are living in a house that is all packed up with nowhere to go. Also, the sellers are now refusing to give us our earnest money back and we have paid money towards inspections, etc. that we have not received back.
Product: Checking or savings account

Hi I am writing you because I have experienced some issues with my bank which is with Chime and on XX/XX/XXXX & XXXX my money was taken from a hacker from my account and was not authorized by me I have filed a dispute with chime and filed a police report proof of authorization showing it and still nothing and they keep saying they not giving my money back and I feel like my money is not secured and I feel chime should be accountable for this cause its ridiculous that my money I worked hard for to be taken away like that if theres anything you can do for me it will very much appreciated
Product: Debt collection

My identity has been stolen. I live in XXXX for 8 + years. Before that I lived in XXXX. I have own a home in XXXX XXXX XXXX till XX/XX/2021 and paid all utilities mortgage insurance etc there. Now I live in XXXX XXXX. I have never lived or visited the state of XXXX. Unbeknown to me someone has open utilities in XXXX on my name. Transfer money for them at XXXX XXXX from my XXXX XXXX XXXX account. XXXX dollars using a phone transaction. Someone applied for unemployment in XXXX in my name. Thank God is was denied. I received the denial letter. XXXX XXXX  thru XXXX and XXXX XXXX collections XXXX. XXXX XXXX thru XXXX XXXX XXXX XXXX. XXXX XXXX XXXX retail XXXX. XXXX XXXX thru online information XXXX XXXX XXXX thru XXXX XXXX XXXX XXXX XXXX thru trans world systems XXXX. XXXX XXXX XXXX thru XXXX XXXX XXXX XXXX. This are utilities open in XXXX using my identity to open them. When I went to buy a car this year during summer I found out my credit was bad. I then had to put down XXXX to get a better payment. Since my credit was bad.
Product: Checking or savings account

On XX/XX/year>, I entered Toronto dominion bank  in XXXX XXXX South Carolina to which I am a member. I spoke with XXXX XXXX XXXX ID : XXXX, who is the assistant vice president, store manager at XXXX XXXX XXXX, XXXX, SC XXXX. I was told by this bank manager that she will not give me a copy of my signature card to be updated so that I can retitle the account in the name of my Trust. She informed me that my signature card was the property of Toronto Dominion aka TD Bank. I then proceeded to seek advice from the customer service department as instructed by XXXX XXXX, who rudely turned me away from the branch where I am a member. 
The original application, ID no. XXXX given to TD Bank is a SECURITY. This security is being traded upon. TD must stay in compliance with Federal Law. 12 U.S.C. 83 clearly states that banks can not lend from their own stock. So, when I applied for a secured credit card, and I received an approval for {$5000.00}, TD Bank used deceptive practices to inform me that I must Tender payment of {$500.00} to complete the transaction. This is bank fraud and security fraud. As I was the source of the credit from the beginning. A scheme has been devised to rob me of debt notes to fund an illegal operation. This is a violation of title 15, which clearly states that the contracts are illegal, and the bank is monopolizing from a security to which I am the registered owner and holder in due course. 
Please keep in mind that UCC 5-104 clearly states that the authorization of a letter of credit is authorized by signature. I have authorized a letter of credit, which is self-liquidating paper pursuant to 17 CFR 260.11b.
Product: Credit card

Having an account through Synchrony Bank/Synchrony Financial ( formerly GE Capital ) for about one year, one in good standing and with XXXX balance, I received a notice from my credit monitoring service that the account was abruptly closed. My account was closed without any prior notice, warning or request. Upon calling the bank, pleading to speak to someone in the United States, I was eventually told that I was n't using the card enough. This card was barely 12 months old. 

The closure of this account, as with any account closure, immediately and negatively impacts a consumer 's credit score, as it did with mine. The card was still new and even though the parent company advertises that the card 'will be there when you need it ', this was not true at all. The bank 's representative went on to tell me that even the additional XXXX cards I hold with this bank may also be closed, simply because I do not use them enough. I suspect these practices may possibly violate the Fair Credit Protection Act. My consumer credit score has now been damaged by this bank 's action for no reason of my own other than that I was n't using the account. I was told I could reapply for a new card, which would also negatively impact my credit score and likely cost me fees by the bank. The practices of this financial institution appear murky at best, and possibly in violation of Federal laws and practices.
Product: Mortgage

Our Mortgage sold to Selene Finance, completed Borrower Assistance Forms for a loan modification. No loan modification offered, just a straight 30 year conventional mortgage that we can not afford nor is it manageable. Selene is deceptive in their illegal business practices. They are unwilling to work with us on one of the available loan modification programs that are made available to help families in a hardship situation, like ours or families fighting their ways out of a hardship situation. Available modification programs, Step - Rate Mortgage, a Flex Modification, Home Retention Option - Payment Supplement, FHA Loan, Interest Rate Reduction, or XXXX XXXX XXXX XXXXXXXX XXXX loans. According to HUD, " A new proposed monthly payment on a loan modification, including property taxes and insurance, should be about 31 % or less of monthly income. '' We asked for our investor/ who holds our loan, and Selene told us they can not give me that information. We believe they are worried I will ask the investor if they are receiving the information i am sending, again Selene is acting in an unethical way and breaking the law, illegal business practices. It is my legal right to know who is the investor. We disagree with their non- modification they had sent, we simply can not afford the payment of {$4500.00} making {$120000.00} this past year, paying 2 college tuition bills and a making student loan payments. Selene clearly did not consider the XXXX tax rate and being able to calculate monthly income minus expenditures. I would like a third party review of my submitted Borrower Assistance Forms. We are a family of 5 caring for our in-laws who live with us who are XXXX and XXXX. They must feel really powerful destroying families. Their BULLYING tactics, deception, illegal business practices, and hundreds of other complaints/ reviews of the XXXX and the Consumer Financial Protection Bureau XXXX Researching these 2 sites really puts things into perspective. We are looking for a loan modification according to guidances under HUD 's regulations. Selene will simply not make any attempt to hear us, they ignore you, and their favorite word is NO.
Product: Checking or savings account

In XXXX  2023, Chase Bank canceled my checking and savings accounts after I told them I had been sending money to a young family in XXXX. It has caused great financial hardship since that time. 
I was a XXXX member and XXXX XXXX customer.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I received a letter from a no named company with no return address or or company name it says at the top Official business penalty for private use {$300.00} it's date XX/XX/2023 it said immediate response required and it has the phone number it states it's a final notice. It said the letter was to inform me that my Auto warranty was expiring it also said Our records indicate you have not contacted us to update your warranty policy call us immediately to ensure there is no lapse in coverage reach directly : XXXX. It said my approved warranty coverage, then listed several parts to a vehicle. On the back of the letter I said that based on my credit report it indicates that I met their criteria. It also states that Trans Union is whom I would have to call if I didn't want the offer. I called the number listed on the front and a man answered in a foreign language possibly XXXX he answered sales I told him about the letter and he said oh yeah in English your warranty is about to expire and I needed to renew. I asked him who was he he didn't say his name I said well what company is this a d he said XXXX XXXX I said I have no policy with you and I asked where did you get my information and he said it was sold by a credit bureau. I told him I didn't give permission for them to sale my credit report and that it's private he then said look I have another call and I said I will be contacting the FTC and he said do what you need to do and hung up. XXXX had already alerted me that my info was on the dark web O didn't understand what they meant but Transmission n sold my credit report giving them access to my social security number Dob, banking information creditors phone numbers and address. How can this happen? My credit report is frozen, therefore Transunion had no authority to sell my information.
Product: Debt collection

Enhanced Recovery Company continues to assert that I owe a debt to a phone company that I have not done business with in years. This is not my account and I don't owe any money to XXXX.
Product: Checking or savings account

I lost my checking/ debit card and it was taken from my home only one person was here that could have stole it. They also have accessed my phone XXXX account or my cell phone in general
Product: Credit card or prepaid card

XX/XX/2023 We received a package we did not order from a company we never heard of. We called the merchant and they sent us a return label and we returned the package the same day we received it. Our credit card was charged {$2900.00} for the item, but never credited for the return. We tried several times to resolve this with both the merchant and the credit card company. The merchant acknowledges the return of the item and that this was a fraudulent purchase. However, they indicated that we need to work through the credit card company to resolve this. The credit card company twice opened cases to review this activity. The first time they indicated they could not issue a credit since the merchant 's records indicate that we did in fact receive the product. I called again and explained that we never claimed that we didn't receive the product - our complaint was that we never ordered the product and we had immediately returned it. They re-opened the case and later closed it claiming that I didn't provide all the information they requested, but they never said what I failed to provide. On XX/XX/2023 I called both the merchant and the credit card company again. The merchant again told me this had to be resolved through the credit card company. The credit card company told me they would reopen the case again but I have received no further correspondence form them and the charge remains on our balance.
Product: Debt collection

At lest once a week they calling me at XXXX I tell them multiple time not to call me at XXXX
Product: Credit reporting or other personal consumer reports

My information was disclosed/Shared to a third party without my permissible purpose or written/verbal consent! As per the FCRA, as a Federally Protected Consumer, I am now OPTING OUT of ANY and ALL Authorization that I, XXXX XXXX XXXX, XXXX have given the data furnisher ; whether written, unwritten, verbal or non-verbal as per : 12 CFR 1016.7 ( a ) ( 1 ) ( ii ) - Form of opt-out notice to consumers ; opt-out methods 15 USC 6802 ( b ) ( 1 ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information ***This Opt-Out Authorization is effective IMMEDIATELY and INDEFINITELY! 

My Financial information was shared with XXXX XXXX XXXX without My Consent. 
I do not want any of my financial information about my checking account shared with XXXX XXXX XXXX in anyway.
Product: Money transfer, virtual currency, or money service

My friend XXXX XXXX sent me XXXX payments for rent on the Venmo platform. The first amount was for XXXX $ and I successfully sent this over to my private bank. The second round for XXXX  $ Was successfully sent to me from XXXX but when I went to send that to my private bank- Venmo declined it, first stating I need to prove my identity. I sent over my drivers license and proof of my bank account belonging to me. After I did this I waited for the ability to send this to my bank again. I then received an email from Venmo stating my account t was permanently frozen. I tried to converse with them via phone and by email on several occasions looking for an explanation or anything so help me understand why I was not able to either refund XXXX XXXX to use a different platform or why my sending proof of myself and bank account as subsequently forced me to XXXX. I then received an email a few days later stating they will no longer be responding To inquiries and that they have the right to hold my funds for 180 days with zero explanation. 


XXXX  $ Of my money is currently frozen in my Venmo account with no explanation.
Product: Credit card or prepaid card

Several transactions occurred in XXXX on my account. I spoke to XXXX in the Missouri claims department. I was told a new card can not be issued because due to the fraud my account is in the negative. Its takes 10 days to receive a credit and I need to call back a fourth time to dispute the transaction still pending even though I have already advised they are not mine and then call back a fifth time to be issued a new card whenever there are funds on my card. The security on this card is absolutely ridiculous. This is the forth time they have allowed someone in another country to make numerous transactions back to back. I do not want my funds deposited into this unsecure, unhelpful Bank of America account any longer! Just give me all my money and close this account!