23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

This complaint is part of complaint number XXXX. To clarify some bad types plus that this company is reporting me delinquent when I should not. 
I have being having an issue with CitiMortgage. My husband and I filed for bankruptcy on XXXX XXXX due to several medical bills When filling the bankruptcy a Reaffirmation Agreement with CitiMortgage was done and sent to the bank. My husband passed away on XXXX XXXX. Because his dead I got a small life Insurance which I used to pay the bankruptcy amount and Paid Off the mortgage on XXXX/XXXX/XXXX based upon a CitiMortgage Pay Off letter I had in that time where my principal balance was XXXX. When I did the pay off according to CitiMortgage I was short on the amount of XXXX. 
When I called the bank after the money was deliver to the bank, they told me because I was in bankruptcy they could not apply the pay off. I talked then to my Bankruptcy lawyer and he started talking with CitiMortgage and in XXXX/XXXX/XXXX he found out that the bank did not record the Reaffirmation agreement, so that date my lawyer sent again the document. 
The pay off was not applied not even then, I had to go out of the country and when I came back on XXXX Then again I talked to CitiMortgage because still my loan was not Paid Off but I did not get any satisfactory answer ; so I asked to my bankruptcy lawyer to speak to CitiMortgage attorneys. After my lawyer call I was requested by him to send a letter to the bank with the copy of my Paid off. This was done XXXX XXXX, XXXX. 
I have been now trying to talk with CitiMortgage and is really impossible to get a straight answer from them. The last thing they told me is that now I need to pay interest over the {$1100.00} remaining balance so my debt now rose to XXXX which I do not agree since the bank was at fault for not recording the Reaffirmation Agreement. 
I finally contacted the Executive Office and I was assigned to a person. First she took all the time of the world and finally she contacted me on XXXX with no resolution. Nobody wants to understand that the bank is at fault for no recording the document. I had all the emails that my lawyer had with a person in CitiMortgage. The person that was my lawyer he now is a teacher in a school and busy with lot of kids so I was left alone to deal with the bank. I came out from bankruptcy in XXXX XXXX. 
I sent the pay off with the interest applied on XX/XX/XXXX by the amount of XXXX because I did not want to carry out this issue to XXXX otherwise the interest will go to the roof. 
The XXXX for the pay off principal balance correspond to XXXX my original remaining principal balance after I paid XXXX. So I paid XXXX in interest that is not justified because this was all CitiMortgage fault And now in top of all I just realized CitiMortgage reported delinquencies on my mortgage on XXXX, XXXX, XXXX and XXXX which is ruining my credit scores. 
Citi Mortgage has been heartless unprofessional and causing me a grieving in top of the my personal one and everybody need to know how unprofessional this company is
Product: Credit reporting or other personal consumer reports

''I have recently reviewed my credit report and noticed that your collection agency has reported this debt. It is my understanding that under the FCRA, a creditor or collection agency must have a permissible purpose to furnish information to consumer reporting agencies. The permissible purposes for such reporting include, but are not limited to, situations where the consumer has provided consent or when the reporting is related to a legitimate business transaction. I dispute the accuracy of the information you have reported and question whether your agency had a permissible purpose to furnish this information. If your agency did not have a permissible purpose as required by FCRA 604, also this violates the FCRA section 605B which states that it is " illegal '' to report information to my consumer report without my permission. I kindly request that you take immediate action to remove this entry from my consumer credit report. I also request that your agency provides written documentation of the permissible purpose under which this information was reported to the consumer reporting agencies, including any evidence of my consent or a legitimate business transaction between me and CREDENCE RESOURCE MANAGE acct no. XXXX including the original contact between me and CREDENCE RESOURCE MANAGE acct XXXX within 15 days of receiving this dispute. Failure to comply with the FCRA 's requirements may result in legal action being pursued to protect my rights under the law. It is my expectation that your agency will conduct a thorough review of the permissible purpose and take the necessary steps to rectify this situation promptly. ''
Product: Checking or savings account

Hello : I am filing this complaint in efforts obtain a proper resolution On approximately XX/XX/XXXX I received a remediation check from Wells Fargo with a cashiers check of {$1.00} attached. 

It states we identified that you did not receive a credit within the appropriate timeframe for a transaction dispute you previously filed. It also states, we enclosed a check for {$1.00}. And we added an amount for the time these funds were unavailable. 

I have not cashed the {$1.00} settlement check as it is insulting and by no means a reasonable settlement in relation to the amount of the disputed transactions within the timeframe of their investigation. 

On XX/XX/XXXX I received the below response from Wells Fargo XXXX XXXX, Dear CUSTOMER : Case ID : XXXX - Hidden Thank you for contacting us. We completed our research and are providing details to address your concerns. 

We have received your concern regarding the Remediation Check received. We understand that you didnt get the information you needed when you first contacted us. Its our job to provide you with friendly, helpful service, and to answer your questions. You didnt get the experience we believe you deserve, and were sorry for that.. For additional questions in regards to how the amount is calculated we recommend you reach out to the phone listed on the bottom of the letter. In event you dont have the letter here is the number to reach out to XXXX. 

Your comments are very important to us. You deserve a quality financial relationship and excellent service. Each experience we share with a customer is an opportunity to demonstrate our commitment. Were sorry we havent met your expectations. Thank you again for sharing your concern and for the opportunity to serve you as our valued customer. 

Case status We have closed the case as of the date of this letter. If we receive additional information, we will open a new case to address any remaining or new concerns. 

How to contact us We appreciate the time and effort you took to contact us. If you have questions, you XXXX reach us at XXXX, Monday through Friday from XXXX a.m. to XXXX p.m. XXXX XXXX. We accept telecommunications relay service calls. 

If there is an attachment to this email and you can not read it, please contact us. 

Sincerely, XXXX XXXX. 
XXXX Representative Consumer, XXXX XXXX XXXX Banking XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, SD XXXX The above response to my complaint was blatantly inadequate. So on, XX/XX/XXXX I spent XXXX hour and XXXX minutes on the phone filing ANOTHER complaint, Case ID : XXXX - Hidden to which I was led to believe I would be speaking to a Supervisor this time and that was not the case. 

I am just looking to be compensated appropriately for their mistakes that caused me financial hardship. 

Please note I am still a Wells Fargo XXXX and I have XXXX accounts with them. However, this letter is in regards to closed account ending in XXXX.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that i had two late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of XXXXXXXX  .Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached :
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
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 card

Ever since Synchrony Bank took my BP Visa Credit Card from XXXX XXXX, I 've had nothing but trouble. I think I finally figured out their scam. By not allowing customers to make payments online, due to what they call " technical errors '', and denying use of the credit card at critical times, Synchrony Bank stands to rake in most likely, XXXX from unsuspecting clients. I 'm hoping the CFPB will be able to look into the practices of Synchrony Bank. Why their webpage is down so much, why when I schedule a payment their site denies it, or just schedules it on the next billing cycle. This institution seems to be controlling what, how and when I use my card, then lets the balance linger through " technical issues '' until they can charge another interest fee which is non-negotiable. Is it because they offer the gas rewards they feel they can ripe off the consumer? Sounds to me like there is something going on with Synchrony Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account name : # XXXX, Account name : # XXXX, Account name : #, Account name : # XXXX, Account name : # 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 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting inaccurate personal information on my credit report which is adversely affecting my ability to obtain credit approvals due to conflicting information in their database. This is damaging to my credit profile and per the Fair Credit Reporting Act, I am hereby requesting for the following inaccurate information to be removed : 1XXXX name : XXXX XXXX XXXX 2. address : XXXX XXXX XXXX XXXXXXXX, FL XXXX Please delete the above information.
Product: Credit reporting or other personal consumer reports

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following items : XXXXXXXX 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 card or prepaid card

Indigo card services issued me a credit card I applied for to try to fix my credit. For the second time now I have paid online with my banking card, the payment does not go through despite money being in the account. Seems like they are waiting until there are insufficient funds on the account to process the payment so they may collect late fees. Upon contacting the company they simply say insufficient funds, nothing we can do.
Product: Mortgage

I am a senior citizen and military veteran. Prior to submitting a loan with Discover Home Loans, I stipulated I wanted my payment due on a specific date each month. Discover confirmed this could be done and sent several emails to me as such. I was approved for the loan. From XXXX to XXXX I have tried over seven time to have Discover change my payment date as was agreed to do as a condition of the loan. They transfer me to a different agent each time with no agreed upon payment date change. Discover guaranteed this could be done if I took out a loan with them. 
XX/XX/XXXX : Discover Home Loan email confirming new loan #, states your payment is due on the XXXX of every month. If you would like to change your monthly due date, give us a call and we can move it up to 15 days after the original date, from the XXXX to the XXXX of each month. This change can be made one time. Email attached. 
XX/XX/XXXX : Called Discover Home Loans to change the monthly due date to XXXX, 15 days after the original date. Was informed that an email needed to be sent to XXXX and would take three to four days to process. Email attached. 
XX/XX/XXXX : Date change still not processed, I called for a status update. Was informed by XXXX ( who hung up on me and called me back ) she couldnt help and would set up escalation for that department and it would take XXXX XXXX hours. 
XX/XX/XXXX : Still not processed. Called and XXXX directed me to a supervisor, because he couldnt help. Spent 45 minutes on the phone with supervisor, XXXX, who told me she would escalate, as she could not complete. 
XX/XX/XXXX : Still not processed. Called and was told by a different supervisor, XXXX, it would be processed by XX/XX/XXXX. 
XX/XX/XXXX : Still not processed. XXXX transferred me to XXXX who said she would escalate. Both are supervisors. Received an email from XXXX ( XXXX ) XXXX, Resolution Specialist, that she would be handling and the contact throughout resolution and will contact me by phone or email by XX/XX/XXXX to provide an update and/or resolution. I responded to her email that XX/XX/XXXX is after the original due date and therefore doesnt resolve the issue. Ive also tried to contact XXXX via phone several times, all unsuccessful. Email attached.
Product: Credit reporting or other personal consumer reports

After reviewing my credit profile. There are fraudulent accounts showing on my credit report. I am a victim of identity theft and asked that ALL items be removed and deleted to correct my credit profile.
Product: Debt collection

Have been repeatedly called by a collection company telemarketer looking for a person I do not know. I have explained this to the callers XXXX times. I have no unpaid debts nor have I ever.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently check my credit from XXXX and i notice a few fraudulent accounts on my credit report. I do not usually check my credit but i was at shocked when i saw that there was a few fraudulent accounts open under my name. I got a few alerts stating that my information was on the dark web. Also, i was affected by the XXXX  breach that happen a few years ago. I contacted the 3 credit bureaus regarding this and i was told to get an FTC report. I have attached my drivers license and Social along with the ftc report.
Product: Credit reporting, credit repair services, or other personal consumer reports

upon receiving message that my application for credit was supposed declined. I realized that I had not applied for credit for maths now. So I reach out to the company a I was told that they have no record of me aplyibg for credit. but next day there it was on my report. 

So I called the bureaux ( obviously pointlessly ) since the bureaus are compliant with the scammers out there and there's no checks and balances clearly.. 


anyways. the bureaus shrugged off and told me to complain to FCBP so here I am now I also went to the same company west site and simulated a new credit application... but I didn't use my name. I used a same name but scramble the word XXXX and change the last name. and as social security I literally used XXXX that how much of a joke that was. 

guess wha ... same thing I got a hit as hard inquiry win my report with indicates. all the disputes on my report are wrong and I demand them to be removed and deleted completely this is absurd and should not happen .. Im recording phone calls emails a and letters.. 

I'll will litigate in court and believe me .... will be stressful for all parties involved .... 

please and thanks ....
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : The following student loan accounts are all from over a decade ago, and the date of first delinquency is well over 10 years on each of them. The date of first delinquency shown on the credit report is INCORRECT! These student loans must be removed from my credit report immediately. 


U S DEPT OF EDXXXX Date Opened XX/XX/XXXX U S DEPT OF ED/XXXX/XXXX Date Opened XX/XX/XXXX U S DEPT OF ED/XXXXXXXX Date Opened XX/XX/XXXX U S DEPT OF ED/XXXX/XXXX Date Opened XX/XX/XXXX U S DEPT OF ED/XXXX/XXXX Date Opened XX/XX/XXXX U S DEPT OF ED/XXXX/XXXX Date Opened XX/XX/XXXX U S DEPT OF ED/XXXX/XXXX Date Opened XX/XX/XXXX XXXX
Product: Prepaid card

I have a car note that was refunded to my rushcard on XX/XX/2016 I spoke to XXXX different agents who stated that I will receive my funds within 10 days I am delinquent with my rent thanks to Rushcard.. 1 agent stated that they neededa email from the Merchant which was sent then they stated that the pending status would fall off after 10 days ... still no funds. Had a conference call with my Merchant and Rushcard agents..the Merchant told the agent they cancelled out the payment and released my funds but the Rushcard is holding my funds Not sure what to do to get my monies to pay RENT
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my consumer report from XXXX XXXX XXXX which contained me personal information from Navy Federal Credit Union ( NFCU ). The accounts I hold with NFCU are personal checking and savings accounts. The terms and conditions for Navy Federal Credit Union explicitly state on pages 16 & 17 that NFCU DOES NOT share personal information with nonaffiliates. XXXX XXXX XXXX is a nonaffiliate. NFCU and XXXX XXXX XXXX intentionally violated my federally protected rights and my rights as a resident of California by sharing and disclosing my personal information without my written consent or seeking to obtain my written consent. Specifically, NFCU and XXXX XXXX XXXX  violated 16 CFR 313.1 which states in part that it is the policy pf Congress that they must protect the security of my nonpublic information. They also violated 15 USC 1681b which states that my personal information can only be furnished without the written consent of the consumer which is me. They also violated 15 USC 6802 which provides the specific steps that NFCU ad XXXX  XXXX XXXX  should have taken with respect to their obligations to protect my personal information. They also violated the Privacy Act of 1974. They also violated 17 CFR 248.6 and 17 CFR 248.7. These violations are subject to monetary compensation paid to me immediately under 15 USC 1681n and 15 USC 1681o. It is also afforded to me under the laws of the state of California, specifically UDAAP, and The California Financial Information Privacy Act ( FIPA ), Financial Code 4050-4060 which limit the sharing of personal information off consumers by banks to 3rd parties and nonaffiliates which XXXX XXXX Services is a nonaffiliate. Other laws provided by the SEC, FTC, DFPI, CCPA, and the state and federal offices of the Comptrollers are charged with enforcement and oversight of these violations. As such, California state law allows for monetary damages for each violation. As precedent, as of on or about XX/XX/XXXX, XXXX XXXX XXXX  just entered into a settlement for numerous violations of consumer laws for {$3.00} XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

They are set up with affiliate XXXX XXXX. Misleading a consumer with very confused misleading marketing. And pulling credit bureau.
Product: Mortgage

Lakeview Loan Servicing LLC ( aka XXXX ) FORCE-PLACED flood insurance on my home on XX/XX/XXXX, backdated the policy period to XX/XX/XXXX to XX/XX/XXXX ( which is probably illegal ) and charged {$2900.00} when market rates for a flood insurance policy range {$500.00} to {$600.00} per year on such a home. There were no floods during this time and unfortunately we were incorrectly advised by our broker the home was not in a FEMA flood zone and did not require flood insurance. We did not receive notice from the lender of the flood insurance lapse until XX/XX/XXXX. We then independently contacted FEMA to verify that the home was in an AE flood zone. We then immediately secured a flood insurance policy on XX/XX/XXXX, but were unable to secure the policy for the lapse period. On XX/XX/XXXX, Lakeview somehow force-placed flood insurance retroactively for the lapse period XX/XX/XXXX to XX/XX/XXXX with XXXX XXXX XXXX XXXX at almost 5 times the market rate for a flood insurance policy. Lakeview charged me XXXX XXXXas an escrow mortgage shortage, basically wiping out hard earned equivalent equity in my home. I now have to make up this charge by paying increased mortgage and interest payments. It appears, Lakeview was subject to class action suits for this same practice in the past and yet they continue to do it. I wouldn't be surprised if Lakeview and their broker pocket hefty fees to force place such overpriced insurance and assume they can just continue to get away with this. This is blatant taking advantage of the consumer by Lakeview and it's insurance broker. If it happened to me, I am sure it is happening to others.