23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I was contacted by Ms. XXXX XXXX that resides at XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX, New York XXXX regarding Wells Fargo foreclosing on her real property. Ms. XXXX XXXX alleges that someone has taken loans out against her real property located at XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX, New York XXXX. I stated to her as a foreclosure workout agent, I would look into the matter. I retrieved information from the public record and examined the signatures comparing them to Ms. XXXX XXXX and determined that the signatures were inconsistent with hers and suspect to forgery. Ms. XXXX XXXX signed a Wells Fargo authorization form to release information to me and for me to speak on her behalf. The Wells Fargo, account numbers that are subject to this investigation are XXXX, XXXX, XXXX. It appears from the public record that loans were taken out against her real property in XX/XX/XXXX for the amount of {$130000.00}, XX/XX/XXXX {$190000.00}, XX/XX/XXXX for {$79000.00} and XX/XX/XXXX. The only loan that Ms. XXXX claims is the HELOC from XX/XX/XXXX of {$79000.00}. 
I contacted Wells Fargo executive department before I filed this complaint in an attempt to discuss this matter with them. I was assigned a representative from Wells Fargo by the name of XXXX XXXX. Mr. XXXX contacted me and was not helpful in getting information in an attempt to resolve this issue. Quite frankly it was a very poor and unprofessional customer service experience. Mr. XXXX would shout down the conversation, make accusations, hurl insults to the point that I requested someone else to deal with and that prompted this complaint. The calls were recorded and I invite Wells Fargo human resources to listen to the phone conversation on 4 different occasions. I am requesting Wells Fargo provide me for the above three account numbers a copy of the note 's bearing the signatures, copy of the mortgages bearing the signatures, copy of the payment histories, copy of a payoff statement copy of a reinstatement figure, copy of the settlement statements bearing the signatures, copy of right to cancel notices, copy of all third party documents involved in the loan origination, notary and title company.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019- two inquiries on my credit report that I did not do. 
1.XXXX XXXX 2.XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Sterling Jewelers has now made false statements to the CFPB and myself. They lied and said they 'confirmed no negative account information is being reported to the bureaus. ' That is false. I have proof right here. I have a copy of my XXXX credit report, as of today, that proves the false adverse credit file information is still being reported. This now marks my FOURTH attempt to resolve this issue and I am preparing to file a lawsuit if it does not get corrected within the next 7 business days. I have had it. I am tired of companies thinking they can put whatever they want on my credit report that is completely false, and I am tired of the severely unethical and bias for-profit credit bureaus that allow it and make deceptive statements that the information has been verified as accurate when it absolutely has NOT been. I am not going to tell you again Sterling, get this false information OFF my report and do it NOW. I had a flawless record with your company, you closed my account anyway, and now you are reporting NEW and FALSE information against me that has destroyed my credit score as it is being considered by the bureaus to be 'report of a new bankruptcy ' and I am furious that you lied that no problem exists when I have already proven that it does. Fix it, and stop lying. It is causing me serious duress to have to haggle back and forth about it like its a fish market when I did absolutely nothing wrong to deserve this violation of my consumer rights and defamation in the first place. Take care of it and do not blow me off this time. I mean it. CFPB, do not transfer my complaint somewhere else this time and tell me you do not handle this type of complaint when the evidence is right here that you do because it is featured in all of your drop down menus. It's not my fault there are so many of my creditors, violating my rights with false information, that I have so many open complaints. You should be that much MORE motivated to help me, should you not? I want this addressed. And the fact Sterling made false statements in response to my last complaint, and still ignored my XXXX complaint altogether and said it does not exist. Well I attached a copy right here. So now what? # 1. XXXX information needs to be corrected including removing the false bankruptcy information that is currently being reported see copy of report for proof. # 2. My entire flawless payment history has been deleted from XXXX, that needs to be corrected. # 3. The 'customer disputes after resolution ' indicator needs to be removed from all three bureaus once those issues have been corrected.
Product: Mortgage

My Complaint is about Fay Servicing and how they keep you in the dark about the status of your loan and how deceptive and unprofessional the employees are. My mortgage loan was initially with XXXX XXXX XXXX who I had been working with on a Forbearance Extension for XXXX & XX/XX/XXXX due to my financial hardship after losing my job in XXXX of XXXX due to XXXX. I had submitted an updated Loss Mitigation application along with my most recent bank statement and proof of my unemployment income on XXXX XXXX XXXX. I recieved a letter from XXXX on XX/XX/XXXX stating that my loan was being transferred to Fay Servicing effective date XX/XX/XXXX. I called XXXX on XX/XX/XXXX and spoke to XXXX who assured me that even though my loan was being transferred all documents in regards to a Forbearance Extension would be forwarded over to Fay Servicing and they would then complete the review and make a decision in regards to my options and a Forbearance Extension. It has been a nightmare eversince. On XX/XX/XXXX I spoke to XXXX who informed me that he just so happens to be my account manager. I asked XXXX if he rececived my documents from XXXX and he informed me that they just sent a letter to me with an option of XXXX XXXX.I asked him what happened to my request for XXXX XXXX which he never answered. He said how do yo expect to pay this you don't have a job. I explained to him that due to XXXX how i lost my job and XXXX had a XXXX XXXX. XXXX responded with " What Are you talking about XXXX happened a XXXX  ago. Evidently he is not aware of what is happening outside his cubicle. I asked him several times does this mean that you are declining my request for a XXXX XXXX and all he would keep saying is do want to accept the XXXX of forclosure? I repeated once again so your saying they will not do a XXXX XXXX and his final response was I did not say that. Is that want you want to do? I said yes and then XXXX said I will send out an application. At this point i am so stressed and frustrated with this company. It stems from the top and I will tell you as a professional myself who had worked as a XXXX XXXX XXXXXXXX for XXXX and at my last job business banker this company is XXXX, Deceptive and Unprofessional. They shouldn be stripped of their license and not be allowed to do business in any XXXX!!!!!!!!!
Product: Payday loan, title loan, or personal loan

I requested a title loan from loan mart on XXXX XXXX. I was informed by the representative XXXX XXXX that I could pay off the loan early at any time. However, when I went to the website I could only pay less than {$10000.00}. I contacted loanmart again and they instructed me to send a cashier 's check to the address located on my loan documents XXXX XXXX XXXX  c/o LoanMart XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX. I sent certified mail including the {$10000.00} cashier 's check with USPS tracking number XXXX on XX/XX/2021. I called loanmart to check on the status of the check and they said nobody had gone to pick it up-spoke to XXXX XX/XX/2021. On XX/XX/2021 called loanmart again and spoke to XXXX and he informed me that they would be picking it up that day and will post 1-2 days. After several days nobody from loanmart picked up the check and it was scheduled to be returned to the sender. I called loanmart again and they said I sent it to the wrong address ; however I told them the contract specifically states to send it to that address which the agent I first spok to had informed me as well. On XX/XX/2021 I spoke to XXXX and this agent stated that I need to send it to another address and that pay off checks should have been sent to a different address. He also informed me that they don't do any pick up at the po box . but he would inform management to make an investigation as to what had happened and why was i not given the correct information, that if it was laonmarts mistake they would definitely correct it and not charge me the interest accrued. 
On XX/XX/2021 I spoke to XXXX and explained my situation and he informed me what he also had on the notes, and given the situation and missed information that loanmart would honor the payment and the payment date. I contacted USPS to re-route it however they stated it needed to be returned to sender and I gave them my address. Along the way my mail got sent to Virginia and I requested an investigation. As of today XX/XX/2021 the investigation is ongoing and loanmart has threatened to dishonor the payment and the payment date since it has been several days which is out of my hands
Product: Money transfer, virtual currency, or money service

Date : XX/XX/XXXX To Whom it May concern I would like to bring following facts to your attention and request amicable solution. 

My company ; XXXX XXXX XXXX XXXX is US based organization doing export business especially with XXXX. 
During first week of XX/XX/XXXX, I approached HSBC to open Business Account and met XXXX XXXX XXXX Vice President XXXX  Relationship Manager XXXX Spectrum Center, XXXX XXXX XXXX . I explained to her the reason to open Account with HSBC which was International Banking and I also emphasized that Transactions will be involving collection of payment against the documents from Overseas. She confirmed that the bank provides this facility and this was the reason I opened my account with HSBC, otherwise I had Business Account with XXXX XXXXXXXX XXXX. 

On XX/XX/XXXX via Email, I was confirmed that new business checking account is open and I was provided all the details truncation fees etc. 
I start operating the account and on XX/XX/XXXX I received wire transfer from my overseas and another wire transfer was received in my account on XX/XX/XXXX. 
I visited XXXX XXXX office around XXXX XXXX and asked her the fee for the transaction to collect funds from Overseas Bank. She sent me the charges schedule via email on XX/XX/XXXX. 
On XX/XX/XXXX, I requested via email to XXXX XXXX about the procedure to submit the documents, I received the automatic reply that she is away and will be back on XXXX of XXXX On XXXX XXXX, I sent another email with the idea that she might have returned but again received automatic answer that she is away. 

I visited the Branch to discuss around XX/XX/XXXX XX/XX/XXXX and met XXXX XXXX XXXX, Manager and asked him about the procedure for submitting the documents. His answer was that we do not do this kind of transaction, which was very disturbing to me as my shipment was ready to leave the next day. 

I tried to approach thru customer service to find the right person and finally I was successful to converse with XXXX XXXX and advise that someone from relationship team will advise you further. ( Copy attached ) On XXXX XXXX, XXXX I received email from XXXX XXXX in which he asked structure and amount of transaction, as well Name of Bank, which I provided. 

On XXXX XXXX. I received reply from XXXX XXXX that we do not have any corresponding relations with this bank. ( Important thing to note that XXXX XXXX did not object on the size of Amount but only on corresponding Bank ). 
On XXXX XXXX, XXXX I requested XXXX to provide XXXX name of banks on HSBC Correspondence list. 
On XXXX XXXX, XXXX, XXXX XXXX provided with two names of the Banks as HSBC Corresponding Banks in XXXX. 
On XXXX XXXX and XXXX I requested confirmation, if my client can use those Banks. 

On XXXX XXXX, XXXX, I was informed via email by XXXX XXXX that we are unable to help you with the transaction based on Volume.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX I got a random email from cash app stating that my XXXX XXXX accounts had been cancelled. Then I got an email about my Cashapp account being XXXX and closed because I violated terms of service. Which is inaccurate. I have had my cashapp account for XXXX and there is no way this is possible. They say you can go through an appeal that may take XXXX for review and then they came back today XX/XX/XXXX and said that I am ineligible to appeal and my account will remain closed and I have no say so. I can't even create another account. When I contacted the company again they only tell you the scripting so no information is provided to as what caused them to cancel and XXXX your account. Doing my research I found out that this has happened to numerous people dating back to last year. I really think it's unfair for people to be violated with no valid reason or explanation as to why. It really does discredits the companies honesty and commitment of being trustworthy. The company is STILL giving me the runaround today I called the XXXXXXXX XXXX  and they basically gave me the same scripting about violation of terms but no specific reason. I would like my account restored immediately because it's no unfair when I use it for everything.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I made a purchase of XXXX LTC ( litecoin ) for {$4000.00} USD debited out of my bank account, few minutes later I received an email from Coinbase support saying Unfortunately, your purchase has been canceled. If you were charged, you will receive a full refund to your bank account within 3-4 business days. ), 2 weeks later and I still never received a refund into my bank account and coinbase never returned my emails, they do n't even have any phone numbers listed so we cant ever call them for help. I then on XX/XX/XXXX I  reversed this transaction through my bank XXXX, I rightfully got my money back a few days later, then on XX/XX/XXXX coinbase send me another email notification that they sold XXXX XXXX ( ethereum ) out of my account to recover {$4000.00} ( this is something I had previously purchased totally unrelated to this litecoin transaction and was purchased for the same exact dollar amount ( XXXX ETH for {$4000.00} ) on XX/XX/XXXX and fully paid for and settled, as you can see they had no right selling another asset to recover funds that were n't theirs, I am asking for my XXXX ETH to be put back into my account, I have all bank and coinbase transactions and proof needed, I have sent 6-7 emails to their support and no one gets back to me, Additionally on XX/XX/XXXX, I sold  {$3800.00} worth of Litecoin with the intention of buying another currency, after the sale the {$3800.00} went into my US Dollar wallet in Coinbase, then I tried to make a purchase with the funds in the US Dollar wallet and I get a system  notification that all buys in my account have been frozen, so now they are holding my money hostage and I have no way of getting {$3800.00} back, again they do not response to any emails..
Product: Mortgage

I am requesting that Bank of Mellon provide an EIN number so I may access their invester status on the XXXX ). Bank of Mellon is foreclosing on my home under the trust ( XXXX, XXXX, XXXX, XXXX XXXX ) established by XXXX. Bank of Mellon was found guilty of foreclosing properties under these established CWALT trusts without having the signed deeds or ownership to the properties XXXX I would like Bank of Mellon to provide a copy of the deed of the property located at XXXX XXXX XXXX, XXXX CA XXXX. I do not believe Bank of Mellon ( XXXX, XXXX XXXX ) is the deed holder or has the right to foreclose. I back this statement up with short sale closing instructions provided by their loan servicer XXXX. The pay off instructions clearly state to wire proceeds of the short sale to a third party ( XXXX XXXX XXXX ).
Product: Credit reporting or other personal consumer reports

This is not a claim or attempt to claim identity theft. This is a complaint and demand for, It has become apparent, that no human being, or no one properly trained, is handling the disputes at TransUnion. Continuously Ive disputed and now complained of this companies gross misconduct and ineptitude at reporting accurate and true statements of credit. Ive disputed both the validity as well as the inaccuracy of the company XXXX. To each time be resubmitted with erroneous infringing updated and verified statuses. We, under FCRA and FDCPA, statements of PLACED FOR COLLECTIONS, IN COLLECTIONS, that has been marked as both an open account and closed, charged off with a past due balance attached; are all clear violations of the above acts, as well as an infringement on my personal and business ventures. I never entered into contract with this company and any proof of alleged indebtedness or furnishing of correspondence to further said collection or past due amount. Which placing statements of collection with a past due amount ON an account marked as closed goes against FCRA and FDCPA statues as well as FTC regulates. For these above statements I demand full remedy for the injuries this malicious negligence and lack of due diligence this company as exuded thus far.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over 30 days ago I sent Equifax a letter disputing that the information they have reporting on a car loan by XXXX XXXX is showing inaccurate. In fact there was never a late payment on this loan. As I did more research Equifax is showing the wrong open date of XX/XX/2017, the wrong high balance of {$89000.00} and is not showing the paid off amount of {$86000.00}. XXXX  is showing the account as paid but all three bureaus are showing different balances and open dates. Since Equifax seems that they are not in any hurry to fix this problem I reach out to the Finance Company that I paid the loan off with which is XXXX XXXX XXXX XXXX, and ask them to provide me prove of payment and all data of the transaction of payment with my signature attached.
Product: Checking or savings account

The UNNAPPROVED weekly charges added by XXXX SHORTLY AFTER I XXXX 2020 ; AND MORE ADDED IN XX/XX/2020 caused a banking balance system trip. THIS IS A COMMON OCCURENCE, THE WEEKLY RECURRING SUBSCRIPTION CHARGE IS A 'BURNER ' TO BANKING ACCOUNTS. THE SOFTWARE I SIGNED UP FOR WAS ONLY FOR A WEEK TRIAL. I HAD AUTORENEW, BLOCKED ON MY ACCOUNT, AS SEEN IN SIMILAR SUBSCRIPTION TRIALS AT XXXX. PEOPLE ALSO ran hotel fees and caused BALANCE reporting delays. Ultimately, the recurring weekly fees stopped the system as they misreported the account. THEY THEN CLOSED MY ACCOUNT WITHOUT ALLOWING DISPUTE CORRECTIONS. THESE ACTS CAN BE TRACED TO THE INDIVIDUALS INVOLVED. 
THERE ARE incorrect/3rd party notifications and, incorrect balance ; leading to charge decline s at POS. I am always aware of my actual balance. There is a wire transfer from XXXX XXXX XXXX for {$10000.00} confirmation XXXX XXXX XXXX ACCT XXXX I have not received this transfer. There are many XXXX refunds. Total ing {$4000.00}. I have confirmation of these refunds ; but ; they were not reported. I have XXXX in my account in XXXX. I know incorrect reporting has caused my entire balance to be inaccurate. Also a refund from XXXX XXXX for {$3200.00} was not reported. I have email confirmation of all refunds and the wire transfer. They were never reflected on my Wells Fargo account. Please insure my deposits. My account number : routing : XXXX account : XXXX Thank You, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I HAVE A PDF DOWNLOADED FILE OF THE ENTIRE BANK STATEMENT. IT SHOWS RECURRING CHARGES ON ALMOST EVERY LINE. I DID NOT AUTHORIZE THESE.
Product: Student loan

I repay my federal student loans under the REPAYE income-driven repayment plan. On  XXXX   XXXX ,    2017,  I submitted my annual income documentation to FedLoan Servicing to recalculate the REPAYE amount. As my family 's current income differed significantly from our most recent federal tax return, I used  XXXX  recent paychecks as documentation.     On  XXXX   XXXX , I received notification that my monthly repayment amount had been calculated. However, the amount was too high. Going back to the calculations, I noticed that the number calculated b y FedLoan wa s exactly what I would get if I ignored all pre-tax deductions from my paycheck.     I emailed FedLoan twice but received no response. I called them on  XXXX   XXXX , and was told that they would look into the matter within  10 bus iness days. I called back on  XXXX   XXXX  and was told to wait one more week. Finally, when I called on  XXXX   XXXX , I was told for the first time that it is FedLoan 's policy to ignore pre-tax deductions from paycheck income documentation if they ca n't tell exactly what the deduction is from the description on the check.     I was informed that I could submit a letter on company letterhead from my employer and request   expedited review. I did so and FedLoan adjusted the next monthly payment to the correct amount.
While this incident has been resolved for me, I have several concerns : 1. It took a month and a half and five inquiries before I was given the information necessary to resolve the concern. I doubt many borr  owers are this persistent.      2. I imagine most borrowers do not take the time to sort out payroll deductions, research the federal poverty guidelines, and do the calculations necessary to confirm that the servicer is billing the correct a mount. I worry that many borrowers who submit paycheck income documentation are being overbilled if pre-tax deductions are ignored.      3. Nowhere on FedLoan 's website ( that I can find ) is there any i ndication that an employer letter is needed to document pre-tax deductions. Nor is it in the federal income-driven repayment plan instructions. A much better arrangement would be for the servicer to contact the borrower if there are any deductions that they do not understand, so that the borrower has an opportunity to provide additional documentation.