23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

This may sound like a repeat or a continuation of my pqast complaints, but in essence this is NOT THE SAME. 
The only part that is the same is that it is my loan with CitiMortgage, Inc. a credit-line/mortgage of around {$500000.00} on my home at XXXX XXXX in XXXX, NJ XXXX. Loan number Loan # XXXX. 
I tried to do a loan modification with Citi now five times over 3 years.

XXXX  has my 2nd mortgage and I managed to do it with them in 2 months. Citi has been a problem.

Unlike the past, when I complained about the details of their denials ( They admittedly denied me based on a mistaken classification of my loan - which they placed as 2nd mortgage instead 1st - which would have guaranteed my approval ), my complaint is that Citi-Mortgage should not  require me to reapply. 
They agreed that they made a mistake. 
They agreed that if not for their mistake - they'd have approved me, based on my correct numbers. 
They agreed that I submitted everything they needed multiple times. 
They agreed that they reviewed my multiple applications and deemed them complete. 
Once in XX/XX/XXXX, 2 times in XX/XX/XXXX and 1 time in XX/XX/XXXX and 1 time in XX/XX/XXXX.

So my claim is that similar to any judicial process, when a side makes a mistake, they reevaluate the submitted and complete filing/application and review it based on the new corrected facts.

Citi knows, by their own admission, that I will be approved based on ALL m

y 5 submissions, now they want me to apply again, or resubmit new 'missing ' items from the 6th application.

I reviewed other people 's complaints and it is common complain, when people feel ignored and mistreated, their filing misplaced, miss-classified or just required to start the process all over again - just to be denied again, by yet new claims.

I consider their behavior in bad faith and I demand the Consumer Financial Protection Bureau - representing my interests against a systematically sinister bad faith and bad reputation organization - to force Citi to do the simplest thing, which will take the least amount of time.

Please demand from Citi Moprtgage to review my previous completed submissions for Loan-Modification, considering my loan being labeled as it is - in first lien. 
I will then be approved immediately. 

This is not to take any money away from CitiMortgage, but to facilitate what they volunteered originally in agreement with the government - to help owners who can - to stay in their houses under new repayment terms. 
XXXX did it immediately and Citi can do same. I will then be able to pay my way and
we'd all benefit from this. 
Otherwise - in Foreclosure, I will have to defend it and claim the mistreatment of my case by Citi and subsequently - ignored by the CFPB. 
Thank you XXXX XXXX & XXXX XXXX
Product: Debt collection

XX/XX/XXXX I took my son to the XXXX  at XXXX XXXX XXXX in XXXX XXXX, ID. I provided insurance at time of service and never knew I I had a bill there. Fast Forward to XX/XX/XXXX I received a knock on my door from the sheriff 's department serving me with a court summons from a collections agency I've never heard of much less ever received a bill from. Medical Recovery Services , LLC is sueing me for the sum of {$1800.00} to which the medical services at the hospital didn't cost that much. I called the hospital and they have no record me ever owing anything. They said I don't owe the hospital anything but said because the doctor is a private contractor, the doctor forgot to ask the hospital for the insurance I provided. Now it's too late to submit an insurance claim however I provided payment and insurance at time of service. It's not my job to remind the doctor to do her job and fill out her side of the paperwork to get paid. I don't owe this collection agency anything, I never received services from them!
Product: Mortgage

On XX/XX/XXXX we made our monthly payment ( on time ), on XX/XX/XXXX we received a call from Mr. Cooper that we had NOT made our XX/XX/XXXX payment and if we didn't pay that day we would be turned in to the collection and it would affect our credit score. Not able to figure it out that day, we went ahead and paid it to avoid collections and credit hits. On XX/XX/XXXX I called Mr. Cooper and was told I needed a letter from my back showing both payments. I provided this. Turns out the XX/XX/XXXX payment shows on our account as a STOP PAYMENT and was returned to a back that is NOT ours. We did not get the refund and have showed all our back statements that prove this as well as Mr. Cooper called our bank and verified directly with them that we were not refunded this payment. I have spent hours ( at least 20 documented ) telling and retelling this to their customer service who escalates it only to never hear back. We were lied to and we have all the documents to prove it. We need our money refunded for the 2nd payment they told us we had to pay in XX/XX/XXXX. I have since made XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ON TIME as  well. Please help!
Product: Credit card

Dear XXXX ; I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX to XX/XX/2021 for 30-90 days????
Product: Credit reporting or other personal consumer reports

This letter is regarding this account which you claim I have a collection with your organization. This notice is to let you know your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, Transunion and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the Fair Debt Collection Practices Act FDCPA 807 [ 15 USC 1962e ] ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond within XXXX  days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking up to {$5000.00} in damages for : XXXX ) Defamation XXXX ) Negligent Enablement of Identity Fraud XXXX ) Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act You will be required to appear in a court venue local to me, since you are clearly doing business in my area. 

For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. 

Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 

XXXX XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online XXXX XXXX XXXX, including documentation of any potential small claims action Have a blessed day!
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered inaccurate information reporting on my Equifax credit report and disputed it. On XX/XX/2023, I requested an online dispute, via Equifax Dispute center and was giving two conformation # XXXX, XXXX and told that an investigation would be taking place. On the same day Equifax Information Servies claims to complete and verify 1of 2 of my disputed accounts less than a couple hours.
Product: Debt collection

This is an attempt to amend my complaint number XXXX by adding my telephone numer. Number was omitted in first complaint. 

The debt for which I am being constantly harassed is my son 's wife ' s debt.
Product: Credit card or prepaid card

On XX/XX/XXXX I received an unsolicited Cash App card in the mail. This card is drawn on XXXX XXXX out of Ohio. After trying to reach both XXXX XXXX  and Cash App, with no success, I opened a complaint with XXXX. I received a response from Square Inc on XX/XX/XXXX telling me the they permanently disabled the Cash App account and Cash Card associated with my personal information. 

Almost a year later, on XX/XX/XXXX, I received yet another Cash App card in the mail that I did not request. I was under the impression they had flagged my information to prevent this.
Product: Credit card

I am disputing charges and fraudulent uses of accounts with Barclays Bank of Delaware and XXXXXXXX XXXX XXXXXXXX. ive had a relative come stay with me temporarily while she was staying with me she was able to access all of my personal information, including my bank info statements, credit cards, and my Social Security number. She also use my kids identity information and stole their identity as well she used my Barclays bank of Delaware card to make fraudulent charges without my knowledge. Balance in the about of {$3500.00}. She also use my information to order furniture from XXXXXXXX XXXX XXXXXXXX, which valued up to {$1600.00}. She then took the furniture and moved it into her own apartment. I had her arrested and press charges on her. I told this information to the company and gave them a police report FTC report and they refused to move these charges from my account. I dispute. These charges several times and the findings were determined that I was accountable for these charges, which is not fair because I was the victim of fraud.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, 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. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about my safety as a consumer.
Product: Student loan

In XX/XX/2019 I was contacted by EdFinancial. The debt amount was not what I recall borrowing. I requested validation of the debt. I was informed that I needed to put this request in writting. I verbally told them that I would be doing that immediately, and asked them not to further contact me by phone. I immediately wrote to the company and put this request in writing no more than a week after receiving that call. I did not receive anything in the mail. 

I received additonal calls and I stated each time that I was questioning the amount of the debt and had requested validation of the original debt, which I still had not received. The agents each time stated that they were making notes in the account and that the calls would stop while that information was being sent as I requested. The calls stopped for a little while, but then continued again. I also received mailed correspondence about the debt, but never received validation or information about the original debt. Meanwhile I was told that the debt was being reported on my credit. In XX/XX/2019, and in XX/XX/2019 I was reported for late payments. I spoke with agents multiple times who told be that they did not have to comply with the validation of debt request and that thir company didn't do that. I don't understand how they can refuse to comply with the federal law regarding validation of debts. I again put it in writing and stated that this was now my second written request for validation of the debt. Again I received nothing. It is now XX/XX/XXXX and I am still receiving calls from this company, and it is still reporting the debt to credit agencies. I have now written for the third time for validation of the debt, and have not received anything other then them sending out their own one page demand for payment with no validation of the debt, and continuing to report to cerdit agencies as 150 days past due.
Product: Mortgage

On XX/XX/2021 Flagstar Bank , FSB at XXXX XXXX XXXX, XXXX, TX XXXX supposedly made a completely unnecessary payment of {$1400.00} from the escrow account they " manage '' for my XXXX XXXX loan that is serviced by them to the " XXXX XXXX XXXX XXXX XXXX '', a.k.a. XXXX XXXX XXXX, for homeowners insurance that was not due and was in fact Paid in Full by me on XX/XX/2021 prior to Flagstar Bank taking over as the service of this loan on XX/XX/2021. 

I called Flagstar Bank ( FSB ) today and after speaking to a general representative who transferred me to their insurance department. I was told by that representative of FSB that to not have my escrow account under funded when my XXXX property tax bill comes due, I would have to contact the " XXXX XXXX XXXX XXXX XXXX '' and ask them to send me a refund for the overpayment FSB made in error, and then I would need send that money back to Flagstar Bank. 

The issue is that the " XXXX XXXX XXXX XXXX XXXX '', which I also talked with today reports they have never received any additional payment against my policy. So I am left with an escrow account that is short {$1400.00} as noted on the Flagstar website due to their clerical error and confirmed verbally by both their agents today. 

I have backup documentation for all of this and would be happy to supply to this agency.
Product: Mortgage

Starting in XX/XX/year>, my escrow payment went up by {$83.00}. I called on XX/XX/XXXX and learned this was due to my insurance information lapsing ( when XXXX acquired my mortgage from XXXX they did not transfer this information properly ). I provided my insurance information. I was told this would be corrected going forward and I would be credited for the overage. I called again on XX/XX/XXXX when I saw this was still not fixed and the customer service person apologized and said it would be corrected in several business days. I logged in today to see nothing has changed. I was unable to reach a customer service representative because the automated menu goes in an indefinite loop -- when I finally get to the option to select insurance or escrow, I select the option, and the menu restarts at the beginning as if I just called. The only way to get a human on the phone is to pretend you want to re-finance.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMs? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. Please DELETE the items, or inaccurate information, from my file immediately & send me the results to the address. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reference XXXX
Product: Credit reporting or other personal consumer reports

I HAVE REACHED OUT XXXX ATTEMPTS TO GET THIS MATTER RESOLVED AND HAVE RECEIVED NOTHING BUT THE RUN AROUND. THE CLIENT IS NOT TRYING TO WORK WITH ME OR RESPOND BACK TO MY ATTEMPTS WITH THE MANAGER TO RESOLVE THIS MATTER. THE SERVICER IS XXXX XXXX XXXX XXXX XXXX XXXX. THEY ARE SHOWING ARE OWE XXXX  WHICH IS INCORRECT I SHOULD ONLY OWE XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX XXXX acct XXXX XXXX Original Creditor : acct XXXX XXXXXXXX XXXX XXXX acct XXXX XXXX Has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction.
Product: Money transfer, virtual currency, or money service

So during around XXXX years ago at the end of XXXX I had accidentally sent money to the wrong person in Zelle and it was XXXX $ for rent, when I called XXXX XXXX to help me with this they were super unhelpful d I told them could you please just contact the other bank you already know this persons name and they said no we cant your money is basically gone so I couldnt pay any rent that month I had to borrow from family. I even tried to request XXXX XXXX XXXX out bet back but that person didnt budge.
Product: Debt collection

I AM A VICTIM OF IDENTITY THEFT AND I SENT A FTC FRAUD AFFIDAVIT TO THE COMPANY AND REQUESTED THE ACCOUNT BE WITHDRAWN FROM BEING REPORTED ON MY XXXX ACCOUNT THE COLLECTION COMPANY IS STILL REFUSING TO REMOVE DEBT OFF CREDIT REPORT EVEN AFTER THE ORIGINAL CREDITOR XXXX XXXX XXXX WAS REMOVED OFF OF CREDOT REPORTS DUE TO THE IDENTITY THEFT LVNV ALSO SENT ME COPIES OF XXXX XXXX  STATEMENTS FROM A ADDRESS THAT I MOVED FROM IN XXXX THOSE STATEMENTS ARE FROM XXXX. I AM NOT LIABLE FOR ANY DEBT OWED TO LVNV ESPECIALLY AFTER XXXX XXXXXXXX WHO THEY BROUGHT THIS FRAUDULENT DEBT FROM WAS REMOVED OFF OF ALL CREDIT REPORTS IN XXXX XXXX.LVNV WAS REMOVED AND BLOCKED OFF MY CREDIT REPORT XXXX XXXX AND SHOULD BE REMOVED OFF OF MY XXXX REPORT ALSO
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried numerous times over the past two months to dispute and correct a company and account on my credit report that is not accurate. The company is called XXXX, i have an tried to dispute this with all 3 credit bureaus, none of them want to give me any details on the matter. Also this company does not exist. Ive tried calling 5 different numbers and no luck so far. I do not owe both accounts, nor should it be on my credit report. 

XXXX : XXXX amount {$4000.00} XXXX : XXXX amount {$2600.00}
Product: Mortgage

We purchased a new home in XX/XX/XXXX moving to a new state ( SC ). Property taxes were determined at a high non-resident rate ( 6 % ) or ~ {$4200.00}. Application submitted and approved XXXX XXXX shortly after for resident status and a much lower resident tax rate ( 4 % ) or ~ {$1800.00}. Request submitted to XXXX for a change in property taxes being escrowed in XX/XX/XXXX. They are escrowing ~ {$350.00} per month in taxes when it should be ~ {$150.00} and we are owed a refund for all the months since XX/XX/XXXX that we have overpaid. It is now XX/XX/XXXX and no resolution has been made. I have called XXXX a dozen times with all sorts of assurances this would be completed. Each time I called they said it is going to be another XXXX days for a response. They keep opening and closing work orders for this request with no update to provide when I call on. It is now XXXX  months later after a XXXX phone calls, emails, chats on their website, and patiently waiting. The latest work order was supposed to be completed on XXXX, now another work order is open for a XXXX completion date. XXXX has dropped the ball repeatedly over these XXXX months. A resolution is needed ASAP. Can we change loan servicers?
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the account has nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please this is very exhausting, nobody wants to grant me a loan  because of this ... XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/2023 my balance was {$350.00} plus a past due balance of {$270.00} The bill is generated every XXXX day of the month with a due date on the XXXX. I then made a payment for {$150.00} through the automated line. When I called today for updating my current balance, and making another payment, the automated system said I owed more than {$800.00}. They payment from yesterday, which has already cleared my bank, has been added instead of deducted from the balance. I spoke to employee number XXXX, XXXX, and she told me I owed for the month of XXXX now. She also spoke over me and would not listen or make any attempt to resolve the balance at all. I was also told my fees are {$50.00} per month if not paid on the due date.
Product: Mortgage

We were coerced into financial ruin by several mortgage companies that our loan has been passed too in order to cover their wrong doing. We have been trying to negotiate a modification that has been used to entice us to leave a successful chapter XXXX, we have an attorney that has been diligently persuing this modification. With no success being brushed aside casually with a statement that they are not authorized to negotiate. Further they refused to provide proof that they are current holder of our note. We have also pursued this thru Congressman XXXX XXXX office. Their response to the congressmen office was entirely different than to us of which they will not respond too. All we want is what is fair and what they agreed to do when they accepted the XXXX XXXX in TARP money to provide loan modification to home owners who qualify.
Product: Credit card

I have a Chase XXXX XXXX  card. I rented a car with XXXX/Enterprise. The agreed amount was {$200.00} total with all taxes and fees.. Yet they charged me {$1100.00}, {$620.00} and {$32.00}. These were just random charges with no receipts or explanation. 

I disputed these amounts with Chase. But Chase believes XXXX when the car rental said I left a XXXX scratch on the passenger door. I have photos and video and XXXX witnesses to dispute this. I walked around the car at the dropoff and took video with my XXXX. 

I opened the dispute in XXXX, and only heard back today ( XXXX ) that the transactions are valid. They refused to re-open the dispute and they refused my evidence. I asked if they had photographic proof of the scratch, but they said they do not need it. 

It seems that Chase is not on the side of the customer with evidence. And told me to pay their bill and get the money back from XXXX. I WILL NOT BE PAYING MY CREDIT CARD, until they do their diligence to prove I owe the extra charges. 

THE FAIR CREDIT BILLING ACT is the law.