23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Hi there, In mid XXXX my Citi bank card info was hacked and so far thousands of dollars in fraud was put onto my card. 

Whoever had my credit card info also changed my primary bank used to pay my balance, so I was locked out of my account for almost a month since Citi couldnt verify who I was. This let the fraudsters continue charging my card because Citis policy was to send me a letter that was going to an old address. 

I tried desperately to have them verify who I was, spent HOURS on the phone, even went into the branch. But since by early XXXX they were unable to verify who I was, I was forced by them to pay my entire statement balance ( {$2800.00} ) including the over {$1000.00} in fraud put on my card by that point, to avoid getting charged interest on the fraud charges and it affecting my credit score. Between now and when I paid my balance ( including fraud ) an additional {$1600.00} of fraud was charged to my card. 

I was finally able to get my identify verified with the bank end of XXXX and submitted all of the fraud claims, but Im seeing that the additional fraud ( XXXX ) is still on my statement balance and has not been deducted from my account. 

Citi has a policy that you dont have to pay the fraud they allow onto your card- but thats clearly not the case. 

Citi owes me over {$1000.00} in the fraud I was forced to cover for them so I didnt incur interest or it hurt my credit score and they have not paid me back. 

To make matters even worse theyre still expecting an addition {$1600.00} in payment for the fraud that happened since I paid {$2800.00} in early XXXX and I simply am refusing to do this again. I can not afford to do this again. 

I need help! 

Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Comenity Bank/XXXX  is reporting a late on XX/XX/20. My wife was in an accident and had to had XXXX in another state. The help she received was not much and we really struggled to make ends meet these last few months. I have been trying to make my payments on time but unfortunately defaulted. My wife 's accident really put us in a hard spot as we both were out of town for weeks waiting for her to recover. With COVID affecting me financially as is and my wife 's XXXX has made it really impossible to keep our head 's above water. I am asking as a long time customer that you remove the recent late notations. I truly did not mean to be late or wanted to but it was complete out of my hands.
Product: Mortgage

I have a mortgage with Pennie Mac. I am trying to get PMI taken off the mortgage. It's nothing more than a cash grab. I was told my LTV is too high ( even though they go off house sale price and not the higher appraisal ). I have accepted this criminal activity because it's a bank and they are criminals. However, I had a long conversation with a banker at Pennie Mac in the fall and she said if I was adding value to the house, I could apply to have the PMI removed. I have put close to {$100000.00} into the house in a boiler, hot water heater and {$50000.00} kitchen remodel. I have all the receipts. When I wrote in to apply, I was told it would take 2-5 days to reply. That's insane. They should be able to reach out in a day. They are raking in record profits and they slow walk any effort for customers to get their rightful monies. 10 days later I get a form letter that completely ignored the information I put in the form regarding the improvements to the house. So, their process is to stall the customer, play dumb and send me a form letter saying NOPE, your LTV is too high. Again, to be clear, I accepted the LTV fraud, I was ASKING about the added value to the house. I need to speak to a human being that can think and follow my request. What is the next step in the paperwork to apply to get the PMI wiped out? Please understand that each week of delay earns them more money. This is why they do this. I am so sick and tired of these gross corporations who can never make enough money. Their rapacious greed is exhausting. I am trying to wipe out a {$60.00} PMI on a large mortgage. This isn't a big ask and I am prepared to provide all the documentation they need but they refuse to acknowlege the issue. Delay, delay, put people off so they won't bother. That's their MO.
Product: Mortgage

We were trying to have a loan modifications fot years but they never did nothing then we defaulted so we were forced to shortsale below what we have invested on it
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is a fraudulent account because they keep adding fraudulent charges to a charged off closed account. They sent me a letter stating that they will Cease and Desist from contacting, reporting unlawful information on my report and collections, but still persist on doing so. Per FCRA that is a violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

credit reporting company fail to provided me with proper notification of a debt collection that I have on my report.
Product: Student loan

The remaining balance left on my Student Aid account/dashboard/Mohela is {$5400.00} which was consolidated with my original loans that were forgiven in XXXX. Attached is the consolidation application as proof. Per XXXX XXXX ( XXXXXXXX XXXX XXXX ), my remaining balance should be forgiven and I should have a XXXX balance with a refund of {$1300.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in a dispute regarding the balance on my student loan with the US Dept of Education and XXXX XXXX. The loan was fully discharged and the balance should be XXXX. 
Equifax sent me a response and said that this creditor was not appearing on my credit report. I sent Equifax proof that the loan has been fully discharged .I spoke XXXX, XXXX was the supervisor that I spoke with. He gave me conflicting information. He insisted that I submit a second complaint notwithstanding the fact that I had previously submitted my dispute over 30 days ago.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against the following debt collectors for failing to provide proper validation of the debts they are attempting to collect, in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

On XX/XX/XXXX, I sent debt validation requests to the companies listed below, requesting proof that these debts are valid and belong to me. To date, I have received no response, nor any validation of these debts, yet they remain on my credit reports. The debts in question are : Waypoint Resource Group LLC Opened XX/XX/XXXX {$130.00} XXXX XXXX XXXX XXXX. Opened XX/XX/XXXX {$890.00} XXXX  Opened XX/XX/XXXX {$2300.00}
Product: Credit reporting or other personal consumer reports

I have contacted LexisNexis Risk Solutions to get assistance correcting the consumer information they shared with the insurance company that denied my application for homeowner insurance. LexisNexis plans to file a dispute with the insurance company that was the source of the information and get back to me in 30 days. LexisNexis records are inconsistent with the claim history reported by XXXX XXXX as the reason for denying the policy. 
I believe there are 3-parties that have kept incorrect records or reported inaccurately and materially affected my ability to insure my home and keep my mortgage. 
XXXX is XXXX XXXXXXXX XXXX and XXXX XXXX is XXXX  a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX, telephone : XXXX. XXXX XXXX Inquiry Record number XXXX XXXX is LexisNexis , who is maintaining inaccurate records and sent a report inconsistent with their records. Loss History Report : Reference XXXX I will provide you with an update in 30 days when LexisNexis has reported on their dispute resolution process. 
This issue is time sensitive as my insurance will expire with no prospect of a new policy. in 60 days.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account XXXX : XXXX
Product: Mortgage

MY NAME IS XXXX XXXX.MY LOAN NUMBER IS XXXX. I HAVE A HOME AT XXXX XXXX XXXX XXXX IN XXXX TEXAS XXXX. WHEN I GOT IN TROUBLE AND APPLIED FOR A MODIFICATION IN XXXX OF 2014 I SPENT 8 MONTHS TRYING TO GET A MODIFICATION APPROVED. I WAS NEVER TURNED DOWN. ON XXXX XXXX I CALLED CHASE TO SEE WHY THEY HAD NOT APPROVED THE LOAN. ON XXXX XXXX WHEN I RECEIVED NOTICE OF FORECLOSURE I CALLED AND VERIFIED THAT MY LOAN WAS STIN IN PROCESS OF MODIFICATION. I RECORDED THE CONVERSATION WITH MY CASE MANAGER OF CHASE AND WAS TOLD THAT IT WAS NOT IN FORECLOSURE AND THAT THEY WERE STILL WORKING ON IT AND WAS TOLD TO CALL BACK IN XXXX DAYS. ON XXXX XXXX, IN DIRECT VIOLATION OF THE XXXX XXXX 2014 LAW OF YOUR DEPARTMENTS LAW, WHILE I WAS IN PROCESS AND WAS NOT TURNED DOWN, THEY TOLD ME THE HOUSE WAS FORECLOSED ON AND THERE WAS NOTHING I COULD DO ABOUT THIS. I AM ASKING UNDER YOUR REGULATION, THAT CHASE BANK GIVE ME MY HOUSE BACK. I AM A XXXX FATHER WITH XXXX CHILDREN AND WE HAVE NOWHERE ELSE TO GO.
Product: Credit reporting, credit repair services, or other personal consumer reports

ATTN XXXX Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Product: Credit reporting or other personal consumer reports

After thoroughly reviewing my credit report, Ive discovered that incorrect information continues to be reported by XXXX, Experian, and XXXX. Despite my previous disputes, this information is still being verified as accurate. However, I have undeniable proof that the information in question is not accurate, which I have attached for your reference. 

This ongoing verification of false information not only damages my creditworthiness but also violates my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 and 623. These sections mandate that credit reporting agencies and furnishers of data must correct or remove any information that is found to be inaccurate or unverifiable after a dispute is filed. 

I am urging you to immediately remove this inaccurate information from my credit report, as continued reporting of these errors is unacceptable and unlawful. Please ensure that my credit file is corrected to reflect accurate and verified information, in accordance with the FCRA.
Product: Checking or savings account

My claim was denied & case was closed with no valid reason. I was a victim of fraud and my information ( debit card ) was skimmed and copied including my PIN number. 
I initially opened the claim over the phone on XX/XX/2018 the instant I received the alert of my checking account with Chase being below the threshold alert set. I then logged onto my account and saw that my account had various fraudulent transactions of funds being withdrawn at a local Chase Branch in XXXX, CA where I reside. After totaling up the amounts I was at a loss of {$1000.00} and overdraft protection transfer from my savings account. Once the claim department opened my claim, I was advised to go in person to the nearest branch, to have some paperwork sent to them and for them to fax over to them. I was out of town at the time of the incident, nearly 300 miles away from home, where these withdrawals were made on XX/XX/2018 on XXXX XXXX XXXX Chase branch. I went to the Branch in XXXX, Ca and I have proof of my whereabouts as I have receipt of the XXXX ride I used to transport me to the Branch located on XXXX XXXX XXXX. 
I have complied with all the documents, and closely have been monitoring this claim. To my surprise it was denied and closed and was told over the phone there was nothing else I could about it at this point. I find it unfair that the FDIC is not covering my loss over fraudulent activity, and I am hoping I get my money reimbursed into my account as quickly as possible. It has been 5 business days since the incident, and nothing has been done in my favor but rather I am getting the run-around all over within the branches and over the phone. 
As a customer, I hope something is done to resolve my problem and find a resolution. I have filed a police report, as I am not the only customer who this has happened to this past weekend. Numerous complaints/claims have been opened as there is a fraudulent skimming ring happening in my city, and I am sure that Chase is aware of this situation. If this is not resolved in a timely manner, I will then have to find an alternative route to have this matter resolved. 
I can not be waiting around for long, as I do have bills and cost of living expenses that need to be taken care of and it is unfair I am not getting a provisional credit while the investigation is being made. I do understand that these things take time to investigate, but at this point I am seeking immediate help to get this case taken care of and have the money placed back into my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  US DEPARTMENT OF EDU XXXX has violated my rights. 

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

- 15 U.S.C 1681 section 604 A section 2 : States a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

My credit report with Transunion has been merged with my twin brother. We have each contacted Transunion multiple times for a resolution over the past couple of years. We are both told that the issue will be fixed yet it remains exactly the same. Our accounts, debts, and inquiries appear as if they are under XXXX name ( mine ) but we are XXXX different people with different accounts etc.
Product: Credit reporting or other personal consumer reports

Subject : Disagreement with Experian 's Response - XXXX Dispute Dear CFPB, I am writing to formally disagree with Experians response regarding the issue with XXXX XXXX XXXX ( XXXX  ). Experian failed to ensure that XXXX completed the required information on the form I provided. It appears that Experian took XXXX  word at face value without verifying the details. 

This is a clear violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692g, which mandates that a claim be disputed and proper validation requested. This matter remains unresolved, and Experian is attempting to avoid responsibility by accepting false claims from XXXX without proper verification. Experian failed to have the debt verification form filled out which would clearly show XXXX false information. 

Moreover, XXXX is reporting an incorrect date for when the account was opened, allowing them to continue to unlawfully keep the account on my record. I will continue to file complaints until this issue is fully resolved and the necessary corrections are made. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Mortgage

Recently my mortgage was transferred from XXXX to Carrington Mortgage Services. Carrington did a escrow analysis dated XX/XX/19 which showed a shortage of {$710.00}. My property taxed and homeowners insurance did not change. My property taxed are paid in XXXX and XXXX. Before the loan was transferred XXXX paid the XXXX property taxes. The escrow analysis by Carrington shows them paying the taxes in XXXX and XXXX. I do not understand how they can pay the taxes in XXXX when the tax bill does not come out until XXXX. I believe that by showing an additional tax payment being made in XXXX that is causing my shortage. My monthly payment is going up $ {$59.00}. I do not understand why it is going up so much if nothing changed. After spending hours on the phone with Carrington they did agree to redo my analysis. I have little faith in them. I confirmed with the county treasurer when the tax bills are due. Carrington told me they send the payment in XXXX so it gets there on time. I find it hard to believe that in this electronic age it takes 2 months to get the payment sent. They do not seem very competent. They also told me that the county would refund me if there was an overpayment, which the treasurer said is not standard procedure
Product: Credit card or prepaid card

XXXX XXXX XXXX XX/XX/XXXX filed fraud dispute. 
{$320.00} was the total amount taken. 
Filed fraud dispute. Called AT least every 2 weeks since the original date I filed. 
XX/XX/XXXX was the last date I called to ask for an update, was told it was being worked on. 
I also have emails.
Product: Credit card

These accounts represent a clear breach of contract and are fraudulent in nature. The bank failed to provide me with essential information regarding this fraudulent account, which is a direct violation of my rights as a consumer. Therefore, I urgently request the Consumer Financial Protection Bureau ( CFPB ) to handle this matter directly, as the bank 's actions have resulted in significant harm to my financial well-being. The accounts are : BANK OF AMERICA XXXX and BANK OF AMERICA XXXX.
Product: Credit card or prepaid card

The issue is causing me significant distress and XXXX  to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXX Balance : {$15.00} XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$12000.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Mortgage

I made my very first payment and set up the payment along with auto pay on XX/XX/XXXX. I finished setting everything up online and questioned whether I did everything correctly or not. After I completed everything I called the company to ensure that I had set everything up correctly. I spoke to an agent named, XXXX. He looked and said everything looked good as far as my payment and the amount I wanted to pay. The amount was supposed to be {$1500.00}. The next day a grand total of {$4700.00} was drafted from my account! I immediately called back to see what could be done to correct this issue. I was promised a refund minus what I owed ( {$1500.00} ). I explained that I needed my funds as soon as possible due to the need to pay other bills! They stated that there is no way to expedite my refund and that any costs I incur as a result of this issue would be mine to bear. They also processed my refund incorrectly and only intended to refund me in the amount {$1500.00} despite being charged {$3100.00} over what I intended to pay ( {$1500.00} ). Today, I spoke to a XXXX who was not only rude, but refused me his XXXX. The response I was given was unacceptable! They said that they did not care that I was filing this complaint or about any other measures I would take for resolving this matter.
Product: Vehicle loan or lease

Im submitting this complaint to see if I can be included in the us auto sales lawsuit. I brought a charger back in 2019 and was informed XXXX information. I was informed I had XXXX insurance and that damaged was going to be fix on my car and never did. I also believe I was charge multiple times for XXXX me payments and insurance charges. I also had my car turned off by them at times when it was not suppose to be causing me to miss work. I eventually got my car repo for car shop and then when I reached out to corporate after getting hung up on customer service so many times he gave me back my car. Tried to help me get it fix then repo its again. Didnt refund my money did not sale the car and it seems like I owe more on the care then what was the actual amount. I never got a letter about the car being sold or anything I dont know where the car is
Product: Debt collection

CAPITAL ONE BANK  # XXXX has been attempting to collect a debt that I have requested several times to be verified due to the being unaware of where this is originating from. I have not received any mailed documents per my request and this is in violation of my consumer rights to confirm the debt.
Product: Mortgage

Complain # 5 against Loancare LLC once again they are adding more XXXX fees/escrow increase or basically whatever they can come up with to charge more. I have not bothered to call because in the 4 complaints prior I get nothing but XXXX XXXX excuses and lies. My mortgage payment is {$750.00} a month that's what I sighed for. After the last complaint they dropped to {$820.00} which we just paid due to frustration. For XXXX its now increased permanently to {$870.00}. For XXXX taxes I went online and paid all of my taxes IN FULL to XXXX county. Loancare refused to stop including taxes for XXXX. THIS MEANS THEY ARE SITTING ON A SURPLUS OF XXXX DOLLARS IN ESCROW THAT WAS OVERPAID. so there is absolutely NO reason why there is any deficiency or why once again our payments increase. They do this every few months they send in a new more incompetent employee to " re-analyze '' our payments. So once again I get to send in another complaint to CFPB and the Attorney Generals office. I'm just curious at what point does the Federal government step in? Any questions? see complaints 1-4. Thanks
Product: Payday loan, title loan, or personal loan

I applied the loan on XX/XX/XXXX XXXX improvement loan and web site indicated two business days loan will process. 
I called today XXXX XX/XX/2021 XXXX XXXX answered my called XXXX and he provided bad customer service and he keep asking lot of documentations. I provided what they needed and he still make me upset not give any positive feedback. 
I felt I have been discrimination .I asked him to transfer this call to his supervisor ( Name called XXXX  ) and he also very unprofessional answered my call. 
They collect all my information and not given positive feedback.