23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

I have had a personal loan with Citi Bank the past few months. It was for {$21000.00} starting in XXXX of XXXX. I paid each minimum payment on time each month. 
I decided to consolidate things even more with getting a {$30000.00} loan with XXXX on XX/XX/XXXX. Part of the consolidation with this loan was to pay off the rest of the Citi loan. XXXX approved my loan. On XX/XX/XXXX, XXXX sent a check of {$18000.00} to Citi to pay off the rest of my loan. Yesterday, XXXX told me that Citi cashed the check on XX/XX/XXXX. However, Citi did not take the money off of the rest of my loan and still has not done so. Each day it accrues more interest and still says that I owe this money that should have been paid off when they cashed the check. 
I have called Citi multiple times about this issue. A representative for XXXX was on the phone with me yesterday and recording these conversations. Citi told us that the check XXXX sent to them was not the correct address. The address I provided to Discover was the address Citi sent me on the Loan Note ( XXXX XXXX XXXX XXXX, XXXX XXXX, SD XXXX ). Citi has told me the check should have been sent to an XXXX, MO location but I see that nowhere in my documentation from them on anything and they have never given me the exact address. 
It took a long time but Citi finally provided XXXX with the fax number at the XXXX XXXX location. XXXX needed this so they could send Citi a fax with the proof of payment. XXXX did that. 
Citi did create a XXXX XXXX for this issue. ( Case # : XXXX ) Citi told me yesterday this would take 2-3 weeks to resolve after the investigation. When I called today to get an update, they told me it could now take up to 90 days. 
In the meantime, they are still saying I owe the amount on my loan with my next minimum payment due XX/XX/XXXX. They advised me to not pay it and take the penalty of late charges until it is resolved. I do not want this to hurt my credit score if I do such a thing. They said all the late charges, interest and anything else will be resolved when the case is resolved. XXXX has been very good as they pushed back my first payment a couple of weeks to try to help me. Citi has not done this for me or put any payment on hold to avoid penalty or anything. Citi has also not guaranteed me this will be resolved after the investigation. 
In the meantime, someone cashed the {$18000.00} check though at Citibank on XX/XX/XXXX that was specifically sent to pay off my loan. 
This has resulted in me being very stressed out and have not had much sleep as I am very concerned about this whole process. I need this resolved ASAP and made right soon where Citi shows that I do not owe any more money on this loan from the money they cashed to pay it off. This whole process has made me very upset and I have a hard time doing anything else in my life with this always in the back of my mind. Please help. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

These inquiries were not authorized by me & I have explained that they should be removed from my credit report but are still being reported for the following XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX ( listed 6 times ), XXXX XXXX, XXXX XXXX, XXXX, XXXX Card. I have sent in police reports, identity theft reports put a fraud alert on my credit report & you continue to report these even though they should not be on my report.
Product: Debt collection

After pulling a copy of my credit report I noticed that XXXX XXXX is reporting that I owed them {$1800.00}. I have never done any business with this company and have never owe anyone that amount of money. So on XXXX XXXX I mailed a certify letter to XXXX XXXX informing them that I am disputing the debt that they say that I owe, provide me with any papers that show that I agree to pay them. I also requested validation of the so called debt and ask them to delete and stop reporting false information to the XXXX major credit reporting agencies. 

On XXXX XXXX 2016, I received a letter from XXXX XXXX claiming that my letter is lacking in any specific information and therefore they can not investigate my claim and that I will hear from them within 90 days from the date of their letter. This is a clear FCRA violation, I should get this information within 30 days of my letter. I mailed a second request on XXXX XXXX, 2016 and its now XXXX XXXX, 2016. I have yet to receive any proof from XXXX XXXX that I owe any debt to them and the company is still reporting to the XXXX major credit bureaus that I owe them. 

This company is in violation of the Fair Credit Reporting Act and continues to defame my character by reporting this frivolous debt.
Product: Credit card

They won't waiver my late fee even though I only paid 1 day late. I've been a customer for 10 years.
Product: Credit reporting or other personal consumer reports

ACCOUNT NAME/NUMBER : XXXX XXXX AMOUNT XXXX {$31000.00} Dear TO WHOM IT MAY CONCERN, I am writing to dispute the presence of certain charge offs on my credit report. I believe that these charge offs have been reported in violation of the Fair Credit Reporting Act ( FCRA ) and the XXXX XXXX compliancy requirements. 
Specifically, I believe that the information reported by your agency regarding these charge offs is inaccurate, incomplete, and misleading. As a result, my credit score has been unfairly impacted and I have suffered damages as a result. 
Under the FCRA, it is your responsibility to ensure that all information reported to credit bureaus is accurate and up-to-date. Additionally, the XXXX XXXX compliance guidelines outline specific reporting requirements for charged off accounts, including the requirement to report the date of first delinquency and the date of charge off. 
Based on my own records, I believe that the information reported by your agency is incorrect and in violation of these guidelines. I have attached copies of my records to this letter for your review. 
I am requesting that you investigate this matter and correct any inaccurate or incomplete information in my credit report. 
Additionally, I am requesting that you provide me with a copy of the investigation results and any updates made to my credit report as a result of your investigation. 
Thank you for your prompt attention to this matter. 

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

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. Kindly correct or delete the following inaccurate items in my credit file. 
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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  account with acct. # XXXX is reporting incorrectly. This ongoing and continuous violation of the Fair Credit Reporting Act is causing me undue stress and is a defamation of my character.
Product: Credit reporting or other personal consumer reports

I regret to inform you that your decision not to address my identity theft issue on the grounds of an alleged error or misrepresentation of material facts is deeply concerning. What authority do you possess to make determinations regarding material facts? You neither hold the role of a judge nor serve on a jury, nor do you possess any such entitlement. According to the guidelines of the Federal Trade Commission ( FTC ), when presented with an FTC identity theft report filed through a law enforcement agency ( which is, in this case, the FTC itself ), compliance with the law is mandated. I am extending one final opportunity for you to process my request concerning the identity theft incident. Failure to do so will leave me with no choice but to pursue legal recourse in a courtroom setting, wherein you will be held responsible for the damage inflicted upon my reputation, credit, and the emotional turmoil I have endured due to this matter. It is highly likely that the true material facts will become evident, and you will be held accountable for your negligence. 

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

This is my eight attempts to tell you that my complaints must be resolved regarding to these inaccurate informations that are still repeated reporting on my credit file. I am asking for your help to investigate these informations and i think these items does not belongs to me and i never signed any agreement about this.The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. No one seems to care about this, so again, i am requesting a clear copy of my credit report without any erroneous informations again. These items must be deleted NOW : XXXX XXXX XXXX XXXX Balance {$1000.00} ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX  Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

These are not my accounts or inquires reporting on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, MD XXXX XXXXXXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX Balance : {$2300.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$15000.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$380.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$380.00} XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022
Product: Mortgage

on XX/XX/2022, I had purchased a house through the XXXX/New American Funding program . Before we were able to do the 2nd closing with NEW American ( Conventional closing ) the XXXX of XXXX was it by a storm. For days, I told XXXX that the drains surrounding the pool needed to be taken care of since water would not drain fast enough. I sent pictures and several emails to my realter as well as XXXX XXXX with New American. It rained every day that week before the worst storm happened on XX/XX/2022. The drain completely stopped working and several inches of water came in through the laundry, dinning/kitchen and part of the living room. I tried several times to get out of the contract due to My daughter and mom having XXXX XXXX and I could not put them at risk in a house with Mold issues but New American said I would not be allowed to back out unless i wanted to loose my Deposit of XXXX and whatever other expenses i incurred. 

I demanded 2 addendums. One for the pool/enclosure and the other for the mold report/ water damage repairs, to be added to the second closing with New American so I would not be responsible for a house with water/mold damages. They agreed and we finally closed! 

Weeks later, I started reaching back out to XXXX XXXX, XXXX XXXX, so they would send me the mild report so I could proceed with repairs. Nothing. I had a handyman remove part of the wall in the dinning room and it had mold behind it. I sent pictures and after several escalations, XXXX, XXXX XXXX as well as XXXX XXXX, would NOT honor the addendum for the damages inside the house. I got stuck with water damages and all the repairs that needed to get done. On XX/XX/2022 I asked XXXX XXXX to please reconsider and make this right, he refused.
Product: Debt collection

I had car insurance with XXXX XXXX. I never renewed my insurance with them and now they have turned over the case to a collection company named Caine and Weiner to collect {$3000.00}. I never received the services and I would appreciate any assistance you can provide me. This is an unlawful charge
Product: Mortgage

I have been working with SN Servicing for quite some time to reach some sort of settlement or loss prevention option. I have been assigned to a XXXX XXXX there who has been a nightmare to work with. Not only is she rude, but, she never returns any messages/emails etc. She has been difficult to communicate with and when we do, she seems to be really rude and impatient. I submitted my file over to her XXXX weeks ago on XX/XX/18 and she still has failed to call back. When i do call into their company they advise that they will have the file escalated to her Manager but nothing happens. Since the XXXX weeks, I have now received foreclosure notices on my door. I don't know what to do at this point as this have been increasingly frustrating.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Acct # XXXX, XXXX XXXX bankruptcy Acct # XXXX, XXXX  XXXX bankruptcy Acct # XXXX, XXXX XXXX XXXX  Acct XXXX XXXX XXXX XXXX XXXX Acct # XXXX, XXXX  XXXX Acct # XXXX, XXXX XXXX  Acct # 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 instructions
Product: Mortgage

Loan was taken with XXXXXXXX XXXX as our servicer. XXXX sold the servicing portion of our loan to Mr Cooper Loans. They are been our servicer for just under a year. Unfortunately just got a notice that even though we have made our regular payments and have an active escrow account. Mr Cooper is not paying our taxes properly. Just got a letter in mail showing a late fee and that they are missing payments for our escrow. Send an email to Mr. Cooper and was on hold for over an hour today and they said another dept would contact me which they never did. Very upset as reading review online this seems to be a real problem with this servicer Mr Cooper maintaining our escrow account. Very concerned and need help resolving this. Tried with Mr Cooper and still no response. 

Attaching most recent statement from Mr Cooper showing all up to date. And a letter just received from County of XXXX XXXX showing late fee and past due tax payment from our Escrow account
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of fraud and there is an XXXX  address XXXX XXXX something that keeps appearing on my credit after I have advise all 3 reporting agencies to remove it. They are updating it as old. Experian being the most recent company I have reached out to and my identity is not being identified on many platforms. As well they have me listed as living in NJ when I have did a credit check through them and at least two of my credit tradelines have reporting My updated address they will not update my personal information and old debt off my credit report no matter how many times we seek help.

I can't get help on the phone as I can not be identified because they have the wrong information. 
This is ongoing.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern, I am writing this letter on my own no one has helped me with this letter, I am a natural person and had a chance to do some investigating. After reviewing my credit reports I noticed that you are alleging that the following accounts are negative without furnishing any proof of verification of this debt or that you followed all laws and regulations to report therefore you must remove all negative and adverse remarks listed below : XXXX. XXXX XXXXXXXX Original creditor : XXXX XXXX XXXX. As you know it is against the law to report any information not proven accurate I demand that you provide me with concrete evidence of my obligation to said accounts. Please be aware that all negative remarks found on my credit report are a violation of the FCRA and FDCPA when you can not furnish the validity of the remark. I am not in dispute of the ownership of the account but if you are unable to provide the full reports of how you validated, verified, and how you are in compliance then you must remove the account from my credit report. 

Best Regards, XXXX : XXXX [ Agent/Beneficiary ] Without Prejudice, All Natural Inalienable Rights
Product: Credit reporting, credit repair services, or other personal consumer reports

Related to previously filed complaints ( # XXXX XXXX AND XXXX )... 

After jumping through a bunch of hoops to RESET my password, I STILL can not access my CREDIT FREEZE information, VIEW/SAVE/PRINT my current credit report, SUBMIT DISPUTES... ANYTHING! I can't DO ANYTHING on this piece of XXXX website of theirs. 

I am FAR BEYOND FED UP with TransUnion and its utter NONSENSE! TransUnion is the ONLY bureau that is absolutely impossible to access, and I'm OVER IT! 

I DEMAND a FREE COPY of my CREDIT REPORT to be MAILED to me at the address on-file. I also DEMAND the ABILITY to submit DISPUTE documentation WITHOUT some convenient ERROR MESSAGE. 
I have DISPUTE INFORMATION to submit to these IDIOTS regarding a DISCHARGED BANKRUPTCY DEBT that's holding up a prospective EMPLOYER XXXX XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

Letter emailed XXXX Us. Department of Education XXXX XXXX XXXX XXXX, TX XXXX Greetings U.S. Department of Education XXXX This letter is in response to a recent statement that I received. On XX/XX/XXXX a certified letter ( # XXXX XXXX XXXX XXXX XXXX ) was mailed to Maximus Inc.XXXX XXXX XXXX, XXXX, VA XXXX. The envelope included a payment in full for the principal balance and a transfer of principal to the specified XXXX, instruction letter and a 1099C. 
Please reach out to the two companies that are trademarked with the U.S. Department of Education. Both Maximus/Aidvantage were listed on 1099 C and on my credit report.

Moreover, I am also bringing to your attention the Metro 2 Reporting Guidelines, which govern the reporting of credit information. It is essential that you adhere to these guidelines to ensure the integrity and reliability of credit reporting data. 


After updating my account paid in full, current and excellent payment history, please notify me within 15 days. I have received 2- 1099 B from Maximus who has my Treasury Direct Account information for interest payment deposits.

I did apply for the student loan forgiveness. 

As we know all accounts are prepaid and payments and interest from accounts must be returned to consumers/holders in due course by law. My bank account information is the same on file to receive or mail to the above address. 

I have spoke with XXXX on XX/XX/XXXX that asked to give mor time to receive the information from partner Aidvantage. 

XX/XX/XXXX I spoke with XXXX who also stated she is not sure principle why account account balances are not reflecting credit and XXXX balance. Instead interest is being added every month to and balance that has been offset. 

On XX/XX/XXXX 1099c submitted to irs thru XXXX Ref # XXXX-Aidvantage-US Dept. of Ed. 

Per the Us Dept. of Ed, both Maximus and Advantage are 3rd parties affiliate 's that work with US Dept Ed and have both now received double payments to credit and offset account to XXXX balance. 

student loan numbers # 's on XXXX XXXX XXXX {$24000.00} XXXX aidvantage - {$5600.00}
Product: Credit card or prepaid card

Citi Bank cliamed to close my credit card because I had done money laundering. I was told my supervisor they thought I was doing money laundering and that was reasoning for closure. Never in my life have I committed a crime and I have perfect payment history with all my cards for 6 years. I have no idea what in the world made them think I was doing such a thing. Please provide 100 % proof of your findings or reopen my account ASAP. This is discrimination and false accusations of someone who has been a perfect client with perfect history.
Product: Debt collection

My name is XXXX XXXX XXXX, a federally protected consumer, and I am making this complaint against Gurstel Law Firm PC for committing Identity Theft. I have never given Gurstel Law Firm PC any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with XXXX Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are liable for violations under 15 U.S. Code 1692e ( 12 ). 

I am legally refusing to pay this debt pursuant to 15 U. S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Gurstel Law Firm PC can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Gurstel Law Firm PC continues its collection efforts, I will file for litigation for actual damages caused, and Gurstel Law Firm PC will be held criminally liable for Aggravated Identity Theft pursuant to 18 U.S. Code 1028A, extortion, theft by deception, securities fraud, and mail fraud. 
Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant XXXX 1-202f. 

Your prompt attention and response are both, requested and required. 

Account # : XXXX Reference # : XXXX
Product: Mortgage

I have received notification that my mortgage payments were not received for XX/XX/XXXX, and XX/XX/XXXX. 
My XX/XX/XXXX and XX/XX/XXXX mortgage payments were made both in the amount of XXXX withdrawn from my account on XX/XX/XXXX, and XX/XX/XXXX My payments are made from XXXX XXXX XXXX, XXXX, Illinois. I have receipts showing evidence of payment of mortgage for XX/XX/XXXX, and XX/XX/XXXX. Your help with this matter is greatly appreciated.