23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPA, I previously filed a complaint with you in regards to my mortgage lender, Citadel Servicing Corporation.

Citadel reported me delinquent to the credit agencies even though I never missed a payment and fulfilled all their requested obligations. After my filing Citadel responded and admitted that there might have been a " misunderstanding '' due to the transfer in servicing in their company. They corrected the inaccurate reporting on my credit with XXXX  and XXXX  but left the incorrect negative reporting on my XXXX  report.

My loan officer just pulled my credit report and Citadel has me still reported as late for XXXX and XX/XX/2021 on my XXXX  report. After reviewing my payment history, I realized that I paid my full repayment plan amount of {$11000.00} in XXXX, and in XXXX the reduced amount of {$9900.00}. However, my XXXX  credit report shows me late for both mentioned months which is totally inaccurate. Please let me know how to proceed with Citadel in this matter. Thank you very much. With best wishes, XXXX
Product: Mortgage

On XX/XX/2023 I requested documents, insurance documents, RightPath Servicing relied on to make the claim that the proof of insurance I provided, an HOA master policy, was insufficient coverage for the property. RightPath Servicing provided 43 pages of response letters, Note, Mortgage and other communications but not one insurance document they would have relied on to compare the master policy coverage to the HO6 coverage. In their response letter dated XX/XX/2023 it states : " You will need to call the condominium organization and the provider of the master policy to inquire about their classification for personal property, as we do not have enough information to comment on the matter ''. I have done as required, provided proof of insurance coverage to the servicer. The servicer is required to contact the insurance provider if they need clarification on " classification for personal property '' if the lender has any questions regarding such classification. The servicer, RightPath Servicing, has been provided the contact information for the insurance provider and must satisfy the reasonable basis for assessing a premium charge or fee related to forced placed insurance before implementing such a charge. The servicer has assessed a premium charge before satisfying a reasonable basis. If the servicer is unclear of the language in the master policy then the reasonable basis for assessing for forced placed insurance has not been met.The servicer also claims that forced placed insurance was previously in place but has not provided the requested documents to show proof of their claim. If there was forced placed insurance previously in place, that would mean my monthly charge for this insurance would have been included in my monthly mortgage payment but RightPath Servicing had increased my mortgage payment by {$1000.00} per month for forced placed insurance. The requested documents, proof of an existing forced placed insurance policy, is necessary to determine if the servicer was charging for a fee that was already being assessed. This complaint can not be satisfied by claiming its similar to previously answered complaints, this complaint is for failure to comply to a previously filed request for documents.
Product: Vehicle loan or lease

I went to the Dealership to service my vehicle ( XXXX XXXX XXXX and ) I was offered a deal on a XXXX XXXX XXXX. I came in because I needed a new tire and they had the wheels bolted on. I told them that I would be interested if they were able to completely cancel out my loan. I also let them know that Im an insurance agent and I can help them with insurance. I told them that I did not want the XXXX if I still had to pay on the previous loan and I left. The salesman and I texted and talked and he tried to get me to come and look at the car. He said the cost of the XXXX was {$33000.00}. When I arrived at the dealership, I was offered a job by the on-site Insurance agency owner and he said if I accepted I would be taken care of. I asked him what the inventory price of the car was and he told me. I then asked him for proof. He then sent me a picture of the sheet with the cars price on it. I told him that I wanted that price. Which was XXXX. He said that that would be fine since I accepted the job offer and I now worked for them. The original paperwork that I signed had the correct numbers that we spoke of and the previous loan was wiped away. They were offering me {$12000.00} for my XXXX and using the rebates from buying a new car to pay off the loan. After my mother and I signed the documents, I proceeded to give them {$3000.00} down payment to bring down the monthly payments. After we signed, He kept only telling me what the monthly payments were and I kept asking if I was still getting the {$28000.00} price. He kept saying yes. I never received the pink or yellow sheets from the original documents upon leaving with the car. I left with no paperwork. They said that I they would bring them to the office when I started working. They never brought them to the insurance office. When I got my information from the bank. I let the bank know that I this is not what I agreed to. I also spoke with the salesman and told him that. He then stopped coming to the insurance office and stopped texting me back. When I asked to speak with the finance manager who handled the loan, I was told that the day he helped me was his last full day. I spoke with the manager of XXXX XXXX and he said that he would bring me the documents. He never did. He tried to explain the loan to me and I still wanted the documents. I wanted to see the signatures on the documents because I know that I did not agree to the terms of this contract. I asked the bank for the documents and they FINALLY emailed them to me about 2 months ago and These documents are clearly doctored. Our signatures are copied and pasted on to them. There are no lines through some of them. Ive continuously brought this issue to the banks attention and the dealerships attention and no one is correcting anything. I also can not access the account online. None of the phone numbers on the online system are mine and now I can no longer view my contract or see any of my past emails with them on their system since Ive escalated this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my XXXX WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. 

Despite XXXX previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

CHRYSLER CAPITAL sold my information To XXXX XXXX XXXX and both are reporting on my credit as reopened and damaging my credit scores. This loan was opened back in 2015 and its been 7 years both should be deleted from all 3 bureaus. I have sent certified letters to all 3 bureaus to solve this problem and nothing has happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX  XXXX XXXX XXXX : {$2100.00} ; XXXX XXXX XXXX  XXXX Balance : {$1600.00} ; XXXX XXXX Balance : {$250.00} ; XXXX  XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX FIRE DEPART ) XXXX XXXX : {$1900.00} ; XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$6600.00} ; XXXX & XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

Based on these two accounts : 1. XXXX. # XXXX 2. XXXX # XXXX In accordance with the Fair Credit Reporting Act, I filed a complaint with XXXX, XXXX and Experian that my consumer rights to privacy and confidentiality had been violated. 
15 U.S.C 1681 C section A ( 5 ) States no consumer reporting agency may report any consumer information containing any of the following items : 1. Any adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 166B. A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any reason. 

I sent all three agencies certified letters stating the aforementioned consumer laws and still nothing was done. 
The accounts must be deleted from my file if they can not abide by the rules and laws put in place by the government.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have sent letters to the CRAs ( TRANSUNION, XXXX, AND XXXX ABOUT THE INACCURATE AND INCOMPLETE ITEMS BEING REPORTED ON MY CREDIT REPORT AND THEY HAVE NOT CORRECT THE PROBLEM, PER 15 USC 1681 STATES ALL INFORMATION HAS TO BE XXXX XXXX ACCURATE AND COMPLETE WHEN REPORTING, IF NOT HAS TO BE DELETED.I HAVE ATTACH COPIES BELOW
Product: Student loan

Nelnet engaged in Predatory Loan Practices. 1.inadequate or False Disclosure Nelnet hid or misrepresents the true costs, risks and/or appropriateness of a loans terms They sent multiple letters with different payment amounts and have admitted to doing so They sent 3 letters with 3 different amounts for payments and admitted doing so. See previous correspondence. Now they say there not liable.

2.Risk-Based Pricing Nelnet engaged in risk based lending by lending high amounts with no proof of ability to repay Nelnet is a contractor under Department of Education and must follow those contractual guidelines 3.Inflated Fees and Charges Nelnet did not disclose fees and credit effects to lender Nelnet has inflated interest by changing fees, Interest, payloads nd notices without knowledge to clients 4.Loan Flipping Nelnet bought the Loan and violations d FDCPA practices when buying it. It so packaged it as a 10 year repayment plan without the risk that only 1 missed payment could derail this plan Nelnet is a Lender and on Behlaf of Department of Education this is a contractual violation 5.Asset-Based Lending Nelnet sought to give maximum amounts as opposed to tuition only packages to lender Nelnet as a contractor bought or collects debt under same predatory loan guidelines that Department of Education must follow 6.Reverse Redlining Nelnet targeted off-site non traditional student for large loans without suggesting any guidance of effects of these large loans The were negligent by not negatively effecting Department of Education of Collection and Targeting Effects based on the reseach
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I made a mortgage payment on XX/XX/XXXX for {$2200.00}. 
Payment due was for Principal {$1100.00}, Interest of {$7.00} and Escrow ( Taxes and Insurances, Homeowners and Flood ) for {$1000.00} additional principal of {$.00} to be applied to the Principal Balance. 
Remaining Principal Balance on the mortgage statement is {$1600.00} expected payoff is XX/XX/XXXX PNC Mortgage applied the payment of {$2200.00} without ever contacting me as follows : Principal {$1600.00} to payoff the loan interest and remaining added to escrow. 
They have violated consumer protection and finance laws based on misappropriation of Escrow funds and applied them to payoff the loan. I called and got a response that I would get an escrow refund in 20 days, I asked them to appropriately apply the principal payment of {$1100.00} leaving a balance for the XXXX payment and apply the total {$1000.00} to my escrow account. They refused and said the account is now closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

on my credit file with XXXX  they have wrong personal information the social security number does not belong to me as well as several accounts that dose not belong to me Im asking that you all look into this matter ..my information was always involved in a data breach
Product: Checking or savings account

On XX/XX/XXXX I was phished by someone fraudulently saying they were from Wells Fargo ( the bank I was using at the time ) and that I needed to transfer money from my account through XXXX to them. They claimed that there had been unauthorized charges to my account. They walked me through steps that allowed them to open a XXXX account in my name. I transferred {$1400.00} to an unknown person. Once the transaction was complete the phone went dead. I tried calling back but the number was disconnected. When I explained what happened to Wells Fargo I was told that a fraud case would be opened and the matter would be looked into. After 10 days they informed me that they will not be crediting the money back into my account.
Product: Checking or savings account

My social security checks were automatically deposited to a debit/savings account controlled by Comerica Bank and Direct Express card services. I have repeatedly tried to activate my debit card and get the account balance, but I have only received grief from this company.

First, I was told that my debit card number was incorrect and that my account was transferred to a different account number, which I was never notified of.

They sent me a new debit card and after being placed on hold for 2 hours to activate it they told me that my phone number was incorrect, and they will not activate my card.

My social security number, date of birth, home address, wife 's name and driver 's license were all confirmed as correct during this call.

Next, they told me that the only way they would look into this matter was for me to take a color picture of both sides of my driver 's license and email it to XXXX for them for review. NOT GOING TO HAPPEN, that's how identity theft happens. 
I started reading the reviews of this company and frankly they should be put out of business by the federal government as soon as possible. They're taking advantage of citizens social security by restricting how and when they can access it. Thank you for your time. XXXX XXXX
Product: Credit card

On XX/XX/XXXX someone took out a line of credit with Montgomery Ward 's ( MW ) and made unauthorized purchases. 

Purchases were for 2 rings and perfume totaling XXXX. 

Contacting MW they froze the account, informed us that the order had been cancelled ( not by us ). 

They indicated they would send us a fraud packet to fill out and they would do an investigation into it. 

Upon the resolution of that investigation they said they would work with the credit bureau to remove any negative marks regarding this.
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXX  XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have previously requested that XXXX and XXXX investigate the accuracy of XXXX XXXX XXXX XXXX  and please remove inaccurate information. Both credit bureaus list a different date opened for the account. An incorrect balance, the high credit limit is different, the last reported date is different, the date last active is incorrect, and the date of last payment is wrong. They both show various information. Experian shows nothing at all
Product: Checking or savings account

I have had a bank account with wells fargo since 2006 and in the last year there has been an issue with the account I had with my husband. When I went to the bank to resolve issues with consistant problems of money coming out of our account through XXXX and other services it seem to not be an issue at all until I disputed a XXXX payment at one time that resulted in almost {$300.00} going missing from the account. After getting no help from them and fighting to get it resolved they quickly got nasty and closed our accounts. I argued that we have had no resolution to stop the claims other than being told to file claims online or call the claims department to resolve them but yet we got told there was an excessive amount of claims filed on the account and its our fault. Since they did not help us in anyway to resolve the matter I feel that our accounts were wrongfully closed.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint regarding an issue with my XXXX XXXX XXXX account. On [ date ], I made a payment online, but due to a system error on the bank 's part, the payment was not processed correctly. Despite this being a fault on the part of the bank 's system, I was not notified of the error. As a result, my payment was marked as late, and this late payment has been reported to the credit bureaus, negatively affecting my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, transunion, XXXX have reported incorrect information on my credit report that is not mines which are XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX
Product: Debt collection

Td bank target keeps reporting inaccurate information on my credit for a debt that is not mine. I didnt receive any written notification about the debt. My credit file says its account number XXXX. 
When I try to call them I cant verify the personal information so they cant help me. Bottom line is its not my debt and they never provided debt validation per my request, therefore the debt must be deleted from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX loss of Personally Identifiable Information ( PII ) through a cyber security breach as reported by the Company in XXXX XXXX, although by their own investigation, information theft occurred over a period of three months ( XXXX XXXX XXXX. Equifax never notified me personally that my information was included in the data that was stolen from their safekeeping. I am a Military XXXX and currently an XXXX XXXX working for an XXXX XXXX in XXXX XXXX and my unit provided us the method to confirm on an individual basis the loss of our PII by Equifax. I want it documented that I checked my status using Equifax provided web site and received a positive result, which indicates loss of personal information through by their negligence, and the fact that they delayed announcing the data loss after their investigation ended in XXXX until first week of XXXX, which provided up to 90 days for someone to use my personal information to conduct identify theft related activity should be a crime. Equifax initially established a web site where affected consumers could log in and enroll in credit monitoring but had to indemnify Equifax from future arbitration or civil actions. Their current web page now specifically excludes THIS breach that put 143 million Americans information into the hands of people that have no business having it. There must have been significant pushback by angry individuals for them to specifically address this single topic on their web page. This Equifax breach is now the third time I have been part of a larger group of people that have had their personal information exposed without consent.
Product: Debt collection

I received a phone call 2 month 's ago I have a debit to pay if I do n't pay they call me in court and I found out they report me in credit bureau