23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Wells Fargo agreed to modify our loan if we paid {$29000.00}, via XXXX XXXX XXXX money transfers. We wired the funds, Wells Fargo confirmed receipt of the full {$29000.00}. Then lost XXXX of the transfers and then did not honor the modification. We have been fighting with them since then. We had to file for a new modification loan, they denied because we had XXXX modification already. While we are in review, and appeal of their decision, they filed foreclosured.
Product: Checking or savings account

To whom it may concern ; This complaint is in regards to a dispute I filed with M AND T BANK in reference to a purchase where I never received the product. 

On XX/XX/XXXX I made an online purchase at XXXX XXXX for a XXXX XXXXXXXX mini bike. I found the process concerning because I never received a statement for purchase. Not only that but the address and phone number they provided me was not legitimate. 

On XX/XX/XXXX I contacted M AND T and expressed to them my concerns and requested my bank card to be replaced and I requested a dispute for the amount of XXXX. 

On XX/XX/XXXX I checked my account and found they reversed the charge despite me not receiving the minibike and title. I visited the local branch on XX/XX/XXXX for more information, the information they provided me was startling and proof of fraud. 

First I was shown the receipt. The company told the bank that I picked up the bike on XX/XX/XXXX at XXXX. Next they said I signed an agreement but the signature was not my own. Lastly they used my address but changed the state to make it seem as though this was a local pick up. Despite all the red flags the bank still decided to give a company that was proven to scam customers money for an item I never received. 

I am asking to be assisted with this matter. 

Sincerely XXXX XXXX
Product: Student loan

In XXXX, I took out a private loan from Sallie Mae ( Navient ) in the amount of {$8000.00}. This loan required repayment to immediately begin. I have consistently made the monthly payments on this loan for over 13 years. I haven't been late on my payment for this loan I have not been late on a payment for this loan in almost 10 years. 
In looking into my loan, I discovered that at the time of distribution, my principal total was {$8000.00}, but the " unpaid principal '' began at over {$14000.00}. So I have been accumulating interest and paying on a number that was not what I applied for or was dispersed. In XXXX my loans were sold to Navient and the total principal was changed to {$6700.00}. In the 10 years since they were sold, I have paid over {$7000.00} on this loan and the total principal owed has only decreased to {$5700.00}. There is not a way for me to control how my payments are allocated and there doesn't seem to be explanation anywhere. Today when I went to review this loan again, the status has been changed to in-school deferment. I have not requested this, nor did I give permission for it to be put in this status and I do not have a way of correcting this myself. The pay off date for this loan currently shows XXXX and with the current amount I am paying monthly, this would result in my paying another {$13000.00} or more on this loan. 
How a loan for {$8000.00} that has never been refinanced could end up costing the payer over {$24000.00} in the lifetime of the loan is crazy to me.
Product: Credit card or prepaid card

I'm from XXXX IN., me and my GF visited XXXX Tenn. while we were there we ate at a restaurant ( XXXX XXXX  ), there was a pay at the table kiosk where we paid for our meal but forgot to remove the card. I didn't realize until a couple of days later that I didn't have my card and that the kiosk was where we left it. The reason why I kinow it was left there that there was a charge that same evening at the XXXX XXXX we attended and the XXXX up the street. But the thieves also used the card in the surrounding area XXXX XXXX KY. I talked to the managers of the XXXX XXXX  and XXXX but was told a police report would help. I called my credit card company ( Chase ) and told them what happened and the representative said the fraudulent charges would be taken care of but when I received my statement the charges were there. I have told them that I file a police report, ect but now they are saying they are legitimate '' charges. There were charges to a liquor store ( I don't drink ) and one to a night club ( Ido n't attend them ). I called the XXXX police yesterday, and they talk like Chase has not contacted them. the incident happened XXXX and the amount of fraudulent purchases equal {$290.00}
Product: Mortgage

Like I highlighted to Nationstar. Under the Florida Hardest Hit Program Loan Proceeds. The HHF Loan proceeds may be advanced by the lender on the Borrowers behalf for the fowlling purpose only. 1. Unemployment Mortgage Assistance Program ( UMAP ) To pay up to twelve monthly installments of principal, interest, and, if required under the terms of the Borrowers First Mortgage Loan, the Mortgage insurance premium and the escrow amount for taxes, insurance and homeowner association fees as applicable ( PITIA ). To not exceed {$24000.00}. 2. Mortgage Loan Reinstatement Program ( MLRP ) to reinstate the loan, that include mortgage insurance, escrow for taxes and insurance and homeowners association fees. Not to exceed {$24000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 4 fraudulent inquiries on my Equifax credit report that were not authorized by me and Equifax will not take them off? I have been fighting with them since XX/XX/XXXX and nothing has been done about it? At the end of XX/XX/XXXX, I had someone try to steal my identity and try to get credit in my name but they were unsuccessful because of a lack of information about me. I called the creditors and they couldn't pull nothing up in my name so they all sent paperwork to Equifax telling them to take it off my credit report because they have no proof of me applying for any credit.They told Equifax that the inquiries were fraudulent and should be taken of my credit report.I called Equifax and they said they didn't receive anything from the creditors ... not even one of them? I have letters from 2 of the creditors that I faxed over to Equifax and they said they can not remove them even though they told me to send them for proof? I have disputed these inquiries 3 times online and have written to the dispute and fraud departments about the issue.I need those 4 inquiries deleted from my report because its hurting my credit score and they were not mine to begin with.The following inquiries need to be removed ... 
1 ) 1XXXX XXXX XXXX XXXX XXXX XXXX 2 ) XX/XX/XXXX -XXXX XXXX XXXX XXXX XXXX XXXX 3 ) XX/XX/XXXX XXXX XXXX 4 )  XX/XX/XXXX XXXX XXXX
Product: Debt or credit management

During the month of XXXX I accessed XXXX of XXXX available Stand by Cash from Huntington Bank XXXX That is 28 %. However. On the day Huntington reported to the credit bureaus my available credit dropped to XXXX. So Huntington bank reported to the credit bureaus that I used 56 % of XXXX XXXX dollars. But on the day I was granted XXXX line of credit my available credit was XXXX. XXXX immediately dropped by credit score by XXXX points. I believe my credit usage ( also called stand by cash ) should be 28 %.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft in 2020. I was a long time card holder with XXXX XXXX XXXX credit card. When my entire wallet was stolen from me with all of my personal information inside, including my XXXX XXXX card and several other credit cards. All maxed out! I called XXXX XXXX as I did with all of my other credit/bank cards. They were the only one to refuse to protect me from the fraud that occurred on my XXXX XXXX account. Deeming they were my charges and charging them off as bad debt on my credit. Ive called in several times and have tried to dispute it with XXXX XXXX and my credit report and XXXX XXXX refuses to do anything about this, 4 years later and I am STILL dealing with this mess, thanks to XXXX XXXX not having any kind of fraud protection or fraud preventive services and refuse to help a fraud victim!
Product: Debt collection

LATE PAYMENT SUBJECT : NOTICE OF DISPUTE AND REQUEST FOR LATE PAYMENT/CHARGE OFF REMOVAL DEAR DEAR EXECUTIVE OFFICE I TRUST THIS LETTER FINDS YOU WELL. I AM WRITING TO FORMALLY DISPUTE THE PRESENCE OF LATE PAYMENTS REPORTED BY YOUR ORGANIZATION ON MY CREDIT REPORT. I BELIEVE THESE LATE PAYMENTS TO BE INACCURATE AND UNJUST, AND XXXX KINDLY REQUEST THEIR REMOVAL IN ACCORDANCE WITH APPLICABLE LAWS AND REGULATIONS. 
THE LATE PAYMENTS IN QUESTION ARE ASSOCIATED WITH THE FOLLOWING ACCOUNT -DATE ( S ) OF LATE PAYMENTS ) : XXXX, XX/XX/2019 until XX/XX/2019 I WISH TO EMPHASIZE MY COMMITMENT TO FAIR AND ACCURATE CREDIT REPORTING. 
THESE LATE PAYMENTS HAVE HAD A SIGNIFICANT IMPACT ON MY CREDIT WORTHINESS AND HAVE CAUSED ME UNDUE FINANCIAL HARDSHIP AND EMOTIONAL DISTRESS. 

IT IS MY UNDERSTANDING THAT YOUR ORGANIZATION HAS A RESPONSIBILITY TO REPORT ACCURATE INFORMATION TO THE CREDIT BUREAUS. GIVEN MY BELIEF THAT THESE LATE PAYMENTS ARE NOT REFLECTIVE OF MY PAYMENT HISTORY, I HEREBY REQUEST THEIR REMOVAL FROM MY CREDIT REPORT. THIS REQUEST IS MADE IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ) AND RELATED REGULATIONS. 
I ALSO WANT TO BRING TO YOUR ATTENTION AN IMPORTANT MATTER REGARDING OUR ORIGINAL AGREEMENT. THE ARBITRATION CLAUSE WITHIN OUR AGREEMENT OUTLINES A MECHANISM FOR DISPUTE RESOLUTION THAT WE BOTH AGREED UPON. IT IS MY SINCERE HOPE THAT WE CAN RESOLVE THIS MATTER AMICABLY AND AVOID THE NECESSITY FOR ARBITRATION, WHICH COULD RESULT IN SUBSTANTIAL COSTS AND FEES FOR BOTH PARTIES. 
UCC1-308 15 usc 1692B 16 usc 1666 THEREFORE, I PROPOSE THE FOLLOWING OPTIONS FOR RESOLUTION : OPTION XXXX : REMOVE LATE PAYMENTS I KINDLY REQUEST THAT YOUR ORGANIZATION PROMPTLY REMOVE THE LATE PAYMENTS FROM MY CREDIT REPORT, THEREBY RECTIFYING THE INACCURACIES AND ENSURING MY CREDIT HISTORY IS ACCURATELY REPRESENTED. 

OPTION XXXX : INITIATE ARBITRATION SHOULD YOUR ORGANIZATION PREFER NOT TO REMOVE THE LATE PAYMENTS, I AM PREPARED TO INITIATE ARBITRATION PROCEEDINGS AS ALLOWED BY OUR AGREEMENT. THIS PROCESS MAY ENTAIL SUBSTANTIAL COSTS AND FEES, INCLUDING MY FILING FEE, YOUR FILING FEE, ARBITRATION INITIATION FEE, AN ARBITRATOR DEPOSIT, AND ANY LEGAL COSTS INCURRED DURING THE ARBITRATION PROCESS. 
I FIRMLY BELIEVE THAT AN AMICABLE RESOLUTION IS IN THE BEST INTERESTS OF BOTH PARTIES. HOWEVER, I AM FULLY PREPARED TO PURSUE ARBITRATION SHOULD THAT BE NECESSARY TO UPHOLD MY RIGHTS AND ENSURE FAIR CREDIT REPORTING. 
PLEASE RESPOND TO THIS NOTICE WITHIN [ 14 DAYS ] TO CONFIRM YOUR WILLINGNESS TO REMOVE THE LATE PAYMENTS OR TO EXPRESS YOUR INTENT TO PROCEED WITH ARBITRATION. YOUR PROMPT RESPONSE IS APPRECIATED AND WILL HELP FACILITATE A TIMELY RESOLUTION TO THIS MATTER. 
THANK YOU FOR YOUR ATTENTION TO THIS ISSUE. I LOOK FORWARD TO YOUR RESPONSE AND THE POSSIBILITY OF RESOLVING THIS MATTER IN A MANNER THAT ENSURES FAIR AND ACCURATE CREDIT REPORTING.
Product: Mortgage

I have yet again received grossly conflicting information and I have recorded these phone calls. 

I have overpaid TMS in excess of {$15000.00} since XXXX of 2018. They received a refund check from the city of XXXX. Only returned {$5900.00} to me and they have YET to return the balance of these funds. 

I am on a fixed income and I would like these excess funds returned. They have not completed the escrow analysis requested in XXXX. Their policy states 40 days, yet NO analysis has been provided to date.
Product: Vehicle loan or lease

I have an auto loan with Wells Fargo that has no prepayment penalty. Recently I have not been allowed to make payments on my loan and when contacting them I was told it was because I'm more than 3 months ahead on payments and was not allowed to be more than 3 months ahead. I could make a payment when my next due payment was less than 3 months. Per my load terms I can pay off my loan whenever I want, yet they will not even allow a principle only payment through online access. They will accept the payment only directly at a branch office, none of which are local to me. I don't see how any bank can prevent you from making payments and force you to allow your load to accumulate interest charges.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly 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 my claims adequately. They informed me that recovering lost funds was impossible and that 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 are unacceptable and raises serious concerns about consumer safety.
Product: Student loan

I took out a Parent PLUS Loan for my son, totaling {$44000.00}, to support his education at the XXXX XXXX 's online division. Additionally, I borrowed {$22000.00} for my own XXXX school. These loans were then transferred and consolidated. The Parent PLUS Loan was first transferred to XXXX on XX/XX/XXXX, where I paid a total of {$23000.00}. It was later consolidated with the XXXX school loan into a private loan with Mohela/XXXX XXXX resulting in a consolidated amount of {$70000.00}. This consolidation effectively converted my federal loans into a private loan, which now requires me to pay a total of over {$94000.00} ( with the XXXX I already paid ) for what was originally {$67000.00} in borrowed loans. 

Additionally, the Biden administration has recently announced {$6.00} XXXX in automatic student loan relief for approximately XXXX former students of the XXXX XXXX. The U.S. Department of Education stated that relief would apply to those who enrolled at any XXXX XXXX campus between XX/XX/XXXX, and XX/XX/XXXX, and would automatically pause payments for eligible borrowers. My son attended XXXX XXXX XXXX during this timeframe, so the forgiveness should extend to the XXXX XXXX portion of my consolidated loan. 

I believe my Parent PLUS Loan should also qualify for forgiveness. XXXX XXXX XXXX is now permanently closed, and other borrowers have received relief for the federal portion of their loans due to the settlement. I believe the forgiveness should extend to XXXX XXXX XXXXXXXX portion of my consolidated loan as well.
Product: Debt collection

I disputed the the debt LVNV Funding LLC said I owed. This company is violating FCRA sections, I hereby inform them to desist from all malpractices.
Product: Credit card

The bank of Montreal had a Fraud investigations person contact me XXXX weeks ago, and took the claims over again that Ive had ongoing for XXXX months before the merger during the merger, and after the merger with XXXX XXXX XXXX XXXX, I tried to get the money out of the account and close the account that I have which is a secured card for {$12000.00} that I gave to the bank and they couldnt close because they didnt know how inside the branch in XXXX and now all the claims have been credited to my account but the person who took the claim told me that I cant go pick up my money until Friday and Friday is a closed XXXX XXXX again Im astounded at how this bank is treating my issues and dragging on time and making me wait I need to go in the bank today or tomorrow and pick up my money and close my account. I shouldnt have to wait another week. I can not go into a branch without the fraud department calling them and instructing them to close my accounts and have a check ready to pick up because they wont do anything for me. They treat me as if they have no clue what to do. I have to go through this online service people, customer service departments, and Fraud department for them to instruct the branch to close my account its astounding to me. I just dont understand why I have to wait and now shes told me that I have to go on Friday when the bank is closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX - Account # XXXX XXXX XXXX XXXX - Account # XXXXXXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX - Account # XXXX XXXX XXXXXXXX - Account # XXXX XXXX XXXX - Account # XXXXXXXX XXXX XXXX XXXX XXXX - Account # XXXX XXXXXXXX XXXX - Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX  - Account # XXXXXXXX XXXX XXXX - Account # XXXX XXXX XXXX - Account # XXXX XXXX XXXX XXXX XXXX - Account # XXXX XXXX XXXX XXXX XXXX - Account # XXXXXXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX - Account # XXXX XXXX XXXX XXXX XXXX - Account # 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 : States a consumer reporting agency can not furnish any account without my written consent.
Product: Checking or savings account

Hello, My problem is I have been using Chase bank debit card since XXXX. I lost my debit card on XX/XX/XXXX and then called the bank to open a claim about it because someone took my $ XXXXThey added temporary credit to my bank account. When I check to my account today. They took money back. I called customer service and asked them. They just told your claim is denied because you told us my card is with me. Actually I am an XXXX student so I misunderstood their question for sure I lost my debit card also I have a police report. One of my friends recommended your website. Please help me to figure out my problem. They can check cameras or everything. 


Thank you
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX BILL XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX Balance - XXXX XXXX XXXXXXXX Balance - XXXX  XXXX XXXX XXXX - XXXX XXXX XXXX Balance : {$720.00} XXXX XXXXXXXX XXXX Balance {$190.00} XXXX XXXX XXXX Balance - XXXX XXXX XXXX Balance - XXXX XXXXXXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$600.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXX XXXX XXXXXXXX Balance : {$2100.00} XXXX XXXXXXXX XXXX XXXX XXXX Balance {$210.00} XXXX XXXX XXXX Balance {$3400.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance {$3000.00} XXXX XXXXXXXX XXXX XXXX : {$190.00} XXXX XXXX XXXX XXXX : {$180.00} XXXX XXXXXXXX XXXX Balance : {$120.00} XXXX XXXX XXXX Balance : {$190.00} XXXX  XXXX XXXX Balance : {$43.00} XXXX XXXX XXXX ( XXXX XXXXXXXX XXXX ) XXXX Balance : {$460.00} XXXX XXXX XXXX XXXX Balance {$1000.00} XXXXXXXX XXXXXXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) XXXX Balance {$820.00} XXXXXXXX XXXXXXXX XXXX ( XXXX XXXX  ) XXXX Balance {$840.00} XXXX XXXX XXXX XXXX Balance {$3600.00} XXXX XXXX XXXX ( XXXX XXXXXXXX ) XXXX Balance {$400.00} XXXX XXXX XXXX Balance {$1900.00} XXXX XXXX XXXX XXXXXXXX Balance - XXXX XXXX XXXX Inquired XXXX XX/XX/XXXXXXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX Balance {$7800.00} XXXXXXXX XXXX Inquiry XXXX XXXX, XXXXXXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXXXXXX XXXX XXXX
Product: Credit card or prepaid card

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that JPMCB - CARD SERVICE has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask your be investigated as soon as possible and confirmed to be correct. Thanks!
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The XXXX and Experian Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXXXXXX XXXX XXXX  Balance {$0.00} ; XXXX XXXXXXXX Balance {$190.00}.
Product: Credit card or prepaid card

Bank of Americas privacy notices appear to be a financial service as mentioned in section 1016.3 ( m ) ( 3 ) of Title 12 of the Code of Federal Regulations ( CFR ) which states that a financial service includes your evaluation or brokerage of information that you collect in connection with a request or an application from a consumer for a financial product or service. The term financial product or service is defined in 12 CFR 1016.3 ( m ) ( 1 ) as any product or service that a financial holding company could offer by engaging in an activity that is financial in nature or incidental to such a financial activity under section 4 ( k ) of the Bank Holding Company Act of XXXX  ( 12 U.S.C. 1843 ( k ) ). It would appear that Bank of America, according to section 1843 ( k ) ( 4 ) ( C ) of Title 12 of the United States Code ( USC ), is engaged in an activity that is considered to be financial in nature as it appears to provide financial, investment, and economic advisory services.

Also, it appears that all banks do is give credit in exchange for information - an applicant generally submits information on an application, then the bank either accepts the application based on the information it gathers from the application and other sources and then gives credit, or the bank rejects the application. 12 CFR 202.6 is evidence of this because it states, in relevant part, the following : ( 6 ) Credit history. To the extent that a creditor considers credit history in evaluating the creditworthiness of similarly qualified applicants for a similar type and amount of credit, in evaluating an applicant 's creditworthiness a creditor shall consider : ( ii ) On the applicant 's request, any information the applicant may present that tends to indicate the credit history being considered by the creditor does not accurately reflect the applicant 's creditworthiness ; and. Hence the existence of the privacy notices/polices of all of these financial institutions.

I see no reason to have to lead a less-than-luxurious life since this appears to be the case and, seeing as I currently have no food ( Im literally regularly stealing food to eat ), I have no lights on, etc., so something has to shake.
Product: Credit reporting

Equifax is listing an open account from the Department of Treasury, which I have never received a bill for and or have any information. I 've asked my E.A. about it and she said it is in error. Along with the original opening date as XXXX XXXX, 2009. I have called the Department of Treasury and they are unable to give me an answer regarding why I am listed as this being a delinquent account / Collections. 

Also, this exceeds the length of time that is should be listed, I have disputed this and they relisted the date reported as a current date, in a nasty attempt to damage my credit report. Supposedly it 's in collections however they can not tell me how I can resolve this issue that is not mine in the first place.