23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I tried with everthing to receive a loan modification. I have emails dates and documents. About 4 years ago I was two payments behind with Citi-mortgage. I applied for a loan modification to try to catch up those two payments. Citi-mortgage modification department told me the only way I could receive a modification is that I first hold a payment so I could qualify for a modification. In there words at the time I had to be 3 payments behind in order to qualify. I did as I was told putting my self in deeper debt If you are 90 days behind you could be forclosed on. I tried for a year and a halp for loan modification. Than only thing left for me to do was to file bankruptcy house included. Money came out of my check to pay the bankruptcy department that was sent to Citimortgage by way of my attornies. Then I had to pay Citi-mortgage a regular payment of XXXX a month. Then they werenot satisfied and tried to get the automatic stay removed sent to my lawyers saying I wasnot making my payments. Remember money came from my check to pay them for back pay. Also I made a monthly payment of XXXX. My attonies negotiated and the new terms was I had to pay XXXX a month plus XXXX per month and money continued to come out of my check for Citi-mortgage. So now I made three different paymenst a month to Citi-mortgage I couldnot afford it buy I tried. Than they pursued 5 months latter to have the automatic stay removed. They succeded I spoked witth my attornies they suggested convert my chapter XXXX XXXX to a XXXX and surrender the house and walk from the house. I did as my attornies advised because Citi-mortgage refused to work with my attornies. I invested 10 years of myselft and my families life in that house. My wife and myself suffered hardship because of this situation. We had to find a rental property that cost us XXXX dollars a month. Also Citi-mortgage said we will not give you moving fee money. The move cost me and my wife XXXX plus furniture it depleated our savings. Citi sold my house and got all the proceeds. 

We could have been living in a cheaper house affordable and we own it now we are renting please investigate there tatics. I was told Citi-mortgage is a powerful company and know could take them own. They gave us no help whatsoever this was very unfair XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Several student loans are showing delinquent due to bankruptcy. Bankruptcy was not filed also, you can not file student loans under bankruptcy. I was in school the dates in XX/XX/2016 and ongoing and no payments were due to XXXX XXXX  at that time. I have already filed dispute with XXXX XXXX about error on their end and they are working on correcting the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. These accounts have violated my rights.

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

15 U.S.C 1681 section 602 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. PLEASE REMOVE ALL ACCOUNTS LISTED BELOW IMMEDIATELY, THEY DO NOT BELONG TO ME. 

UNAUTHORIZED INQUIRIES FROM ALL CREDIT BUREAUS : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  -- -- -UNAUTHORIZED ACCOUNTS NEED TO BE DELETED FROM MY CREDIT REPORTXXXX XXXX-ACCOUNT XXXX XXXX, XXXX XXXXACCOUNT # XXXX, XXXX-ACCOUNT # XXXX, XXXX XXXX-ACCOUNT # XXXX, XXXX-ACCOUNT # XXXX, XXXX XXXXACCOUNT # XXXX, XXXX-ACCOUNT # XXXX, XXXX # XXXX, XXXX XXXX-ACCOUNT # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXXACCOUNT # XXXX, XXXX/XXXX-ACCOUNT # XXXX
Product: Debt collection

IQ Data Int. had acquire a debt from a previous apartment complex I lived at for {$51.00} in XX/XX/XXXX. They reported the debt on my credit so I called them as soon as I saw it.They agreed to remove it from my credit if I paid the full amount so I did immediately. It has been 2 years and they are still reporting on my credit. I called them today on XX/XX/XXXX at XXXX XXXX and was told by the representative, they can't do nothing about it.
Product: Credit reporting or other personal consumer reports

I sent an initial complaint dated XX/XX/year> with the inaccuracies that are being reported differently across XXXX XXXX and XXXX. They ( Carmax Auto Finance ) received that letter with certified returned receipt on XX/XX/year>. I received an email corespondence on XX/XX/XXXX, XXXX Their response was a " canned '' response that " The information you disputed is accurate and complete, so we must decline your request that we modify or delete the disputed information '' A second letter was sent today ( XX/XX/year>XXXX  ) certified signature required with further violations highlighted. I hope they cure the deficiencies by fixing or deleting the inaccurate items as required by Law.
Product: Mortgage

I received my XXXX 1098 form. It showed my XXXX  property taxes were not paid by the end of the year, though my monthly payments included escrow for taxes and insurance. Upon investigation, a representative stated that a notice was provided to me in XX/XX/XXXX indicating a change in how/when property taxes would be paid and the option available to me to have them paid in the year they were accrued as in previous years. I'm very diligent about checking email from PennyMac. I was unable to find such a notice in my email. At this point, there appears to be no remedy for this year, but I can check back in XXXX of XXXX to request my XXXX tax payment be made by XX/XX/XXXX. 

I've check with several other people who's mortgage is managed by PennyMac and they were not aware of this change either. I noticed on a XXXX PennyMac complaint site there were others in XXXX  with this same complaint. Because of the tax deduction implication for me and others, PennyMac didn't do a good job of notifying it's customers of this change in tax payments in XXXX. This will cause financial hardship for many by increasing individual tax liabilities for many because the taxes can't be claimed as a deduction for XXXX. 

I'm requesting CFPB or other appropriate agencies to review this matter in the hope PennyMac will be forced to managed such significant changes better. Changes of this magnitude should include notification by email and mail. 

Sincerely, A unhappy PennyMac customer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX reported my credit score as going down 85 points because I paid my credit card off. I called XXXX and complained because this happened before and I filed a complaint on XX/XX/2018. It took weeks to get it fixed. I called XXXX today and they told me that the credit score that Credit Karma is showing for me is not their credit score for me. So, if that is true, Credit Karma is showing the wrong score and I fear they are doing so to get me to take out more credit cards. Also, I received a called from XXXX telling me a fraud was placed on my social security number and that I needed to call XXXX immediately. 

I am concerned because my mortgage loan is currently in the underwriting process and I am unable to know what is going on because of these current actions. Also, since underwriters check fraud records during their approval process, I fear that a scammer has gotten my information while that report was being run. Also, I am concerned that Credit Karma is showing me incorrect information on my account. 

Please invesitgate to help me and others. Thanks!
Product: Credit reporting or other personal consumer reports

Trans Union is reporting inaccurate information on my consumer report. Account # XXXX I am writing to formally request a thorough reinvestigation into the inaccurate accounts being reported on my consumer credit report. I have identified several false instances and non-compliant information that require your immediate attention. 

Federal regulations mandate the complete, accurate, and compliant reporting of all information, particularly within the Metro 2 data fields. Any deviation from this standard is not only a violation of federal regulations but also a breach of consumer trust. 

I insist on your strict compliance with Metro 2 reporting requirements. You must provide me with irrefutable physical proof of the validity, accuracy, and compliance of the reported information. Specifically, I request : The name and contact information of the individual at the original creditor with whom you communicated to verify these items. 

The method of contact used ( e.g., phone, email, written correspondence ). 
Whether you utilized a Universal Data Form ( UDF ) or an automated dispute verification system. 

A detailed description of the reinvestigation procedure, including the steps taken to verify the disputed items. 

If you can not substantiate the claims made in my report with the requested information, I expect the inaccurate accounts to be removed immediately. Failure to comply with my request will result in my taking legal action, including filing a lawsuit in small claims court for {$1000.00} per violation, pursuant to FCRA 623 ( a ) ( 3 ). 

Please address this matter with the urgency it deserves and provide a written response within the 30-day period as required by the FCRA. I expect a complete and thorough investigation into this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

PROFIT SERVICES GROUP {$76.00}, {$350.00}, {$770.00}, {$330.00} I challenge the accuracy, compliance and reportability of this listing.

There are no contracts, no valid claim ... accounts were settled with original creditors ... grave errorsfalse claims and reportingI want these accounts removed immediately or litigation may follow. You can not collect a debt twicethis is unlawful Please validate this information and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification.

You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..
Product: Mortgage

Fifth Third changed my mortgage payment amount as a result of an escrow adjustment and did not notify me either via mail, email or on their own payment portal. I continued to make the payments in the old payment amount as that continued to be reflected in their portal and I had no knowledge of the XXXX dollar change Fifth Third did not credit any of the payments made to them since the amount was XXXX dollars lower than they expected to receive I found out only when I applied for a loan from my local bank and they told me that I was late making payments to Fifth Third. I showed the local bank the payments made electronically out of my account to Fifth Third but it still resulted in my being denied the loan. 
Contacting Fifth Third to try to sort out what happened was a months long nightmare I was told repeatedly everyone was " working from home because of the pandemic and some things had fallen through the cracks '' by one employee who promised to resolve this and told me I would hear back via phone from a supervisor which never happened. I continued to call and ultimately was told they had not credited the payments because of the escrow change and had held all of the payments I made in some sort of unclaimed funds account, waited a certain period ( I was told 30, 60 and 90 days by different employees ) and that they had then mailed the money back to me via check.

I have to date received NO checks Fifth Third acknowledges they were never cashed So essentially they have my money ( somewhere between XXXX and XXXX XXXX dollars given their portal and lack of communication it is not super clear to me when they stopped crediting payments I was making )
Product: Debt collection

NATIONWIDE RECOVERY SYSTEMS on behalf of original creditor XXXX XXXX XXXX opened a debt collection account on XX/XX/2022 for the amount of {$780.00}. I disputed this in XX/XX/2022 through XXXX and the results were " Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). '' However the company has already been paid through Florida medicaid as I have always had medicaid. Since they have already been paid by insurance this should not be on my credit report.
Product: Checking or savings account

I opened a savings account several years ago. I recently signed on to get statements in XXXX. Did not have a problem and the account was accessed the prior week as I downloaded the statements. In XXXX, I signed back on to withdraw/transfer the funds and close the account. In the middle of this, I needed to reset my password. I called customer service and they said I needed a new ATM card to do that. I ordered the card received it and signed back in. As I was in the process of transferring my funds ( a large amount for a house closing ) they inactivated my account and all of my savings dashboard disappeared online so I could not take any action or access my funds. I called customer service once again and they said they inactivated my account for no activity. I had been in the online account the week previously and it collects interest more than monthly. So now I'm locked out of my account and they tell me to go to a branch to get it fixed. Conveniently there are NO BRANCHES in XXXX and now I need to write a letter to Citibank to ask them to take it off inactive status. I sent an OVERNIGHT letter that cost {$31.00} on XX/XX/XXXX and it was delivered the next day at XXXXXXXX XXXX. I called back again on XX/XX/XXXX and said they still didn't see a letter in the system and that it takes 10 business days after the letter is received to get the account reactivated. I ask for supervisor over supervisor for some personal assistance ( this is a significant amount of money ). In the middle of all this one of these reps opened a new cc account for me when I told her to close the one on my account. I am beyond upset about this and need a way to collect my funds from this bank.
Product: Debt collection

I have no recollection of this debt. I have never received proof of this debt by mail nor email. It is on my credit report twice
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently ordered a copy of my credit reports and discovered several inaccurate and fraudulent items listed on them. I want to emphasize that I have no knowledge of these transactions and believe that I am a victim of identity theft. These items are negatively impacting my life and financial well-being, and I urgently request your assistance in blocking and removing them from my credit reports.
Product: Credit card

I have had a Goldman Sachs Apple Card for a few years and have been a great customer with no late payments. Without notice they closed my account and said I failed to comply with the terms of the customer agreement. 

I contacted them and tried to ask what I had failed to comply with and they could not tell me. I talked with a supervisor and the couldnt tell me anything more either. 

I think it is very unfair to cancel my account without any cause and give me no explanation as to why.
Product: Debt collection

I requested that the collection agency Chapman financial services send me documents backing their claims of debt they say I owe. I sent a registered letter, called on XX/XX/24 and again on XX/XX/2024. They said they would send them but have not. As I told them I do not pay debt I dont owe. When I called they admitted that half of the debt the sued me for is past the statute of limitations. As they submitted it as one claim none of it is collectable under their lawsuit.
Product: Checking or savings account

I contacted Fifth Third disputing the lengthy hold and also the fact the check had cleared and I could verify the funds had cleared and they stated there was nothing they could do and that funds would not be available for 7 business days. This is not acceptable since it is drawn on a local bank, plus the fact the funds had in fact cleared and there is proof of that, they apologized and said there was nothing they could do.
Product: Money transfer, virtual currency, or money service

Have been attempting to resolve a fraud report since XXXX. {$290.00} was stolen from my XXXX account linked to the bank before XXXX disabled my account for fraud. Navy Federal Refuses to assist as they claim there was no fraud even though they were the ones that confirmed XXXX disabled the account due to fraud. 
Every report I have submitted here has provided me with a number that the supervisor purposely ignores, or in the most recent XXXX, the number is not a valid, active number.
Product: Student loan

I have both Direct and Private loans since I started college back in XXXX when the company was just Sallie Mae. In XXXX when Sallie Mae split into XXXX companies ( Sallie Mae and XXXX ) I was never informed whether that be through email or phone call that my loans will be owed through XXXX separate companies. Due to this fact, I missed payments through XXXX for up to two months. When I was finished college in XXXX, I called Sallie Mae to see what sort of repayment program I could be placed into to help me because at the time I only had a part time job making just over minimum wage. I was placed in the Graduated Repayment Program with an 11.5 % and 8.5 % interest rate and an amount totaling almost {$500.00} plus another {$150.00} for XXXX. I have asked numerous times if there is a program for me to go into that is based on my income and I was flat out told no. My father co-signed my loans and on of of my phone calls when I begged for a better repayment program I was told that my father needs to help me out and I quote " If he loves you enough he will help you for your loans. '' I was completely appalled at this statement from one of the Sallie Mae representatives. Never would I think that it would be ok to tell someone that. I am extremely frustrated, I am behind payments which is ruining my credit and I keep incurring late fees. I 'm not looking for them to forgive my loans, I simply want a more manageable repayment program where I do not spend my entire months paycheck to help pay off my loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX Account Number XXXX account was never late XXXX, XXXX, XXXX or XXXX days or beyond.
Product: Debt collection

I was contacted by a collection agency today called XXXX in regards to a fruadulant debt from XXXX XXXX. They claimed I owe XXXX over XXXX dollars for a service I never ordered. They claimed that I have this service in my home and are not paying for it. I had received a box in the mail back in XX/XX/XXXX from XXXX. I called them to ask what this was about. They told me to ship it back free of charge, but to go the XXXX store. We did the next day. We continued to receive bills in the mail. I would call them and explain to them that I never ordered XXXX and their is a mistake. Each time I called when bills were coming in, the customer service said that it was a mistake and it would be taken care of. Now the collection agency has called me twice in the last few days. When I said I do not have XXXX that I have XXXX/ XXXX they did not believe me. I have had XXXX for over 23 years. XXXX today directed me to Identity Theft. And they directed me to you folks.
Product: Credit reporting or other personal consumer reports

Our mortgage was sold to roundpoint mortgage, including the auto payment details. All payments were made on time, yet the mortgage company reported us 60 day delinquent on the mortgage. this has caused our credit report to nose dive just as we are in the middle of closing on a new house. I understand that some loan data might be missing for a month or so when a mortgage is sold. But outright saying that we missed payments is downright criminal because it is going to cause us a huge hardship if we are unable to close on the new mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit reporting agencies, creditors and collection agencies is in violation of the Law
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've disputed this info with the CRA 's and they were required to # 1 put the notice of dispute within 30 days of receiving my 1st dispute which they did n't and # 2 the info on my credit report is required to be accurate and complete. Each of the accounts that I have disputed are now missing the original amount. 

All XXXX CRA 's are stating these items have been verified but I can see that none of them have the notice of dispute like I mentioned and I 've seen that none of them have have the original amount as required. In addition, where 's the proof that any investigation was done?
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Bureaus are obliged to confirm the information and status of the account being reported on my Credit Report. But in my case, Experian has kept reporting the disputed account saying that the information they gave is precise, in which I seriously disagree. I am submitting this complaint to you today to request that Experian run me copies of documents bearing my signature to prove the status of the disputed account. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( XXXX ), before the end of the XXXXday period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please repair the account below : XXXX XXXX XXXX XXXX XXXX