23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I went to my local bank and closed my CitiBank Credit Card account to avoid being charged another annual fee, because I no longer needed the card. I was told everything was handled and there was a {$0.00} balance. They removed the account from my viewing on the website, so I had no way to access the account in any way. The gentleman at the bank ensured me everything was handled. I assumed the account was closed, and it was noted on my credit report inXX/XX/XXXX. All of the sudden, in XX/XX/XXXX I saw a number 90 on my credit report. This signified that I was " late by 90 days for a payment ''. I have never gotten any documentation on this matter until this point. I attempted multiple times to contact Citibank to discuss. I went in circles talking to department to department about how to deal with whatever it was that was negative on my account. Nobody responded to my calls. I then was contacted by a third party collection agency who asked me about the situation and I told them honestly I was shocked that months after I closed the account, these charges showed up, but I was more than happy to work with him to figure out what happened. I called the gentleman back several times, and he never returned my calls. At this point I have no idea what to do, or how to get this off my credit report, but this is totally wrong and unacceptable. I have never had a missed payment in my LIFE. Citibank 's lack of direction, response, and responsibility has caused my future to be in jeopardy as now I am applying for a new job, and trying to secure a new apartment, and have this innocent scar on my record.
Product: Credit reporting or other personal consumer reports

I

n 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 Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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: Student loan

" MOHELA has placed borrowers who were already enrolled in the Saving on a Valuable Education ( SAVE ) plan into a forbearance because the court order prevents us from billing you at the SAVE plans monthly payment amounts. MOHELA is in the process of updating borrowers ' accounts to ensure they accurately reflect the 0 % interest while borrowers are in this forbearance. The time in this forbearance will not count toward Public Service Loan Forgiveness ( PSLF ) or Income-Driven Repayment ( IDR ) forgiveness. " - XX/XX/XXXX. 

" You will receive credit toward IDR forgiveness and Public Service Loan Forgiveness ( PSLF ) for the time covered by this forbearance ... " If we have not processed your IDR application by the time this 60-day forbearance period ends ( XX/XX/XXXX ), MOHELA will place your account into a different forbearance. While you are in this new forbearance your interest rate will be set at 0 % ( no interest will accrue ), but you will not receive credit towards IDR forgiveness or PSLF. '' XX/XX/XXXX " Although no payments are due at this time, interest continues to accrue on your loan ( s ) during the forbearance period. You have the option to pay the interest during forbearance. " - XX/XX/XXXX. 

I am charged interest for subsidized ( XXXX ) and unsubsidized ( XXXX ) loans regardless of the statement above. I am complaining that they are accruing interest while they say they are updating my account. Why do they say I will receive credit under PSLF/SAVE for 60 days, but then say a 'new ' forbearance will not give me any credit? Federal Court as of yet under the new administration has NOT ruled any changes to existing law under Biden administration. When they strike down SAVE, I want to be able to pay according to my income and have that amount changed based on what my income is at recertification. Additionally, I have been told by MOHELA that I no longer qualify for IBR ( income based repayment ) and only qualify for ICR ( income contigent repayment ) at a 20 % rate based on discretionary income, as opposed to 10-15 % under IBR. I have consolidated my loans in XXXX and seemingly do not get any credit as I graduated in XXXX. Now it appears they have reset the clock and my loans are due in XXXX under a 25 year plan. The new rate also means that I am responsible for unpaid interest that they are mandating I am responsible for. They may have added the COVID year 'free forbearance '' into the 3 year IBR limit that would then make the interest due under that plan as well. I also am retiring in XXXX and will be receiving Social Security. I do not even believe the govt will change payments based on income when that occurs either. I am exhausted and confused as to why this is happening. I have called them and they refuse to answer the phone after being on the line for 4 hours. Can you help me get some clarity on this situation and have the interest removed permanently set my payments to zero until the hammer drops? 
Please forward this letter with your correspondence to MOHELA so that they can answer some questions you may not be able to.
Product: Credit reporting or other personal consumer reports

This XXXXXXXX XXXX account has been ILLEGALLY RE-AGED. This account is too old to be on my credit report and needs to be deleted. The date of delinquency far exceeds the 7 year window and I have not communicated, contacted or made ANY arrangement with XXXX XXXX  to pay any portion of the debt that was charged off since the date of delinquency began. This account was opened more than 11 years ago and I have not made a payment on that account since that time. My credit report shows the last payment made as XX/XX/XXXX. In actuality, I HAVE NOT made any payments after XX/XX/XXXX. I have not had access to this account/credit since XXXX as well, The FCRA states that civil suits, civil judgments, paid tax liens, accounts placed for collection, and records of arrest can only appear for 7 years. Unless XXXX XXXX can prove that the date of delinquency began prior to the SEVEN YEAR window closing ( after XX/XX/XXXX ) and/or can prove that I made a payment on XX/XX/XXXX, I demand that this line/account be deleted and removed from my credit report. If this account is not COMPLETELY deleted from my credit report, I will take LEGAL FEDERAL ACTION for every falsely reported discrepancy on my credit report from XXXX XXXX
Product: Credit reporting or other personal consumer reports

I disagree with the accounts listed below which still appear on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly after I asked you to do it TWICE and your neglect has violated my rights. 

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 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 In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you VERIFIED the above, so that I may follow up.
Product: Credit reporting or other personal consumer reports

Went through changing it to try to have this removed from XXXX XXXX being on my credit and harming it and according to the fcra it needs to be removed because it does show closed it has a balance and a pay history and in the remarks it even says closed and they want to leave it there until 2029. Against all fcra regulations this should be deleted even as a good will deletion. Every time I contact them to dispute it they always come back with the same scenario they contacted them it's correct when it's not and they know it is not.
Product: Mortgage

Closed on a Refinance Mortgage with NewFed Mortgage on XX/XX/2019 at XXXX XXXX XXXX, XXXX. | XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, MA XXXX. From the very outset email communication with NewFed ( XXXX XXXX XXXX XXXX, MA XXXX ) was confusing at best and deceptive at worst. The closing was just as bad if not worse. No consumer would ever be able to read all of the documents that required my signature. 
I had initially sought a refinance with the company that held my mortgage : XXXX XXXX XXXX XXXX. However, they would not inform me if and when I would be reimbursed for 6 to 8 payments ahead. Because of this I decided to seek a refinance elsewhere. XXXX XXXX continued to avoid providing me with the information. I filed a complaint with CFPB and it, at least, got their attention, although they never provided a definitive answer. It became moot because it was taking so long to refinance I would not be paid ahead by the time I closed. 
In the early morning of the closing I attempted top postpone because, according to the disclosure, I had not been given credit for my most recent payment to XXXX XXXX. When I called XXXX XXXX  XXXX they suggested I call NewFed. I called NewFed and they suggested I keep the appointment and they would check with XXXX XXXX and provide the update to XXXX aXXXX  XXXX. 
During the appointment with Attorney XXXX I what he had heard from NewFed for the update of my payment. He indicated that he was unaware of it and had not been contacted by NewFed. He told me not to worry because XXXX XXXX would have to reimburse me. 
On the following Monday I received my XXXX XXXX statement, and had they checked, they would have seen that XXXX XXXX had received my payment. The refinance should have been a lower figure and I would not have needed a reimbursement. 
Compounding the problem is that I received a letter from XXXX XXXX notifying me they had purchased the loan. I'm now stuck with XXXX XXXX. One of the incentives for me to refinance was to extricate myself from a company I believe to be similar to a criminal organization. 
NewFed never even hinted that they would sell the loan. In fact, one of the reason I chose NewFed was that XXXX XXXX had informed me that it would only cost me a few hundred dollars when I select to pay down a portion of the loan. I had discovered that instead of making payments ahead it is better to save additional money and, when it reaches a few thousand, apply it to the loan to reduce the principal. I would not have agreed to the NewFed loan had I known I would be stuck with XXXX XXXX or any other company that could not assure me an easy way to periodically reduce the loan. Now I have to look into selling in order to payoff the loan and free myself from XXXX XXXX. I'm actually embarrassed to be associated in any way with XXXX XXXX. It's no surprise to me that they would be doing business with a company like NewFed that seems to operate in a similar way. NewFed and XXXX XXXX, working together, certainly do not appear to consider the interests of the consumer.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I disputed an account reported by XXXX XXXX. On XX/XX/year> I was informed that the item was deleted off my credit report. 

On XX/XX/year> I also disputed an account reported bXXXX XXXX. I was also informed on XX/XX/year> that this account was deleted off my credit report. 

I have recently discovered that both accounts has been reinserted on my credit report. 

In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), Experian is required to notify me of the insertion in writing within 5 business days. I DID NOT receive any type of notification. Experian is in violation of the Fair Credit Reporting Act 611 ( 15 U.S.C ( a ) ( 5 ) ( B ) ( ii ).
Product: Money transfer, virtual currency, or money service

My account on Coinbase randomly went under review. I then submitted all the required information ( ID, ADDRESS, PERSONAL INFO, ETC ) to get it verified. 

I submitted this information approximately XX/XX/2024. 

Coinbase Support said my account will be back to normal after XXXX hours. Now ( XX/XX/2024 ) it has been over XXXX weeks and my money is being held hostage ( approximately {$3400.00} )
Product: Mortgage

In short ( however please review all email exchanges for full context ) I applied as a single owner occupying XXXXXXXX XXXX on XX/XX/year> with XXXX XXXX ( Home American Mortgage ) to a new primary residence under Conventional. The conditions of the loan terms were in the initial disclosures. I asked that we use Tax certificate ( allowed per the underwriting guidelines ) and was told they wouldn't. Since applying it was very clear I was NOT an investor, this would be my primary residence and provided a letter of explanation of why I was leaving my current home at 11 months vs 12 months. They did not want to honor the contract/purchase agreement to allow for me to stay in my home for end of XXXX close and kept insisting they would " treat me as an investor ''. They demanded 20 % down even through again I applied as owner occupying conventional which is 5 % down. I called out that XXXX XXXX XXXX '' was unilaterally making this decision and then they stopped responding to my emails, held my earnest money ransom saying I would have to pay {$500.00} on a debit card upon getting my earnest money back. They kept saying they would send a termination agreement and never did. They refused to acknowledge any of my emails in the end and provide an update only communicating through a 3rd party not part of the lending process ( sales ) via text. They would not take my calls and several times I asked either they approve or deny my loan but would not move the process forward or respond. Their practice was predatory and unethical and I felt singled out. I feel I have been unfairly discriminated against and this has caused me an immense amount of anxiety while also triggering stress which resulted in loss of sleep and productivity at work.
Product: Credit reporting or other personal consumer reports

This is for Complaint ID XXXX XXXX reopening this complaint because Sallie Maes response was not only dismissive, but it completely missed the point of my dispute. I provided clear documentation, and instead of reviewing the facts, they gave a copy-and-paste answer that failed to acknowledge or address their reporting inconsistencies. 

I have five Smart Option Student Loans with Sallie Mae. I was making a single monthly consolidated payment that was applied across all five loans. In XXXX and XX/XX/year>, I missed two payments due to personal hardshipbut Sallie Mae reported seven late payments across the five loans. That is excessive, misleading, and unfair. A single missed payment should not trigger multiple delinquencies. 

Even worse, Sallie Mae claims they are prohibited from correcting this, even when the information reported was clearly inconsistent with my actual payment activity. Let me be clear : I made a payment on XX/XX/year>, and another on XX/XX/year>. Yet they still marked me delinquenteven though they confirmed my deferment started on XX/XX/year>. A late payment should not be reported when the account was in deferment and a payment was still made. 

Their refusal to fix the issue is not just frustratingits negligent, incompetent, and ignorant. They keep repeating that their reporting was accurate at the time, but accuracy doesnt expire. If new, verified information proves an error, they are obligated to correct it. Instead, they ignored the documentation I submittedjust like they ignore the consumer behind the loan. 

Its insulting to ask for supporting documents only to overlook them like theyre irrelevant. I took the time to provide VALID receipts and payment history, only to be met with a response that feels robotic, rushed, and disconnected from reality. If thats what they call customer service, then there is a much deeper issue here. 

Also, the comment about the address change? Irrelevant and a deflection. The address currently tied to the account is likely my co-signersmy motherwhich is my permanent address for all major records and correspondence. The newer address Sallie Mae is referring to reflects a temporary move made for safety reasons, which is exactly why I missed ( quotations intentional, since nothing has been accurately tracked on their end ) those two payments. Do they care at all about a persons basic hierarchy of needs? Or is everything second to profit? If this is the kind of compassion and logic consumers are met with, then its no wonder mistakes like this go unresolved.
Product: Credit card

I'm not sure what's going on but I made a payment for {$70.00} on XX/XX/XXXX, {$10.00} on XX/XX/XXXX and on XX/XX/XXXX. My total amount due was only {$85.00} for XX/XX/XXXX payment. I have never been late making any payments with this company JCPenney bill except I sent my XXXX payment in on XX/XX/XXXX. Then I got it for a late fee of {$41.00} which was given back as a onetime courtesy credit. 

On XX/XX/XXXX Synchrony Bank who finance the JCPenney credit cards pulled my credit report without my consent. I only gave Synchrony authorization one to pull my credit report. 

My late is {$41.00} for XXXX payment and then {$45.00} for payment security fee total fees {$86.00}. 

Then after the review my credit report then they decreased my credit limit from {$4000.00} to XXXX. All because of the one time late payment of {$5.00}. These banks are illegal pulling consumer 's credit report without their consent if they're late with a small amount of XXXX, XXXX to say we were doing a randomly review. What kind of random review you are doing pulling a consumer 's credit report without their consent? 

Banks are hiding behind these fees and turn around pulling consumer 's credit report without their consent to say we are randomly reviewing credit. Did not give the bank the consent to pull my credit report to cause my credit score to decreased. 

Please see the attached account statements XXXX and XXXX and the letter from synchrony Bank XX/XX/XXXX. They pulled my credit report illegal on XX/XX/XXXX. My bill for XXXX 's statement was {$85.00}. I made payments on XX/XX/XXXX {$70.00}, XX/XX/XXXX {$10.00} and {$5.00} and on XX/XX/XXXX totaling {$85.00}. The {$85.00} payment was due on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Accounts ( Transunion ) XXXX XXXX  XX/XX/XXXX ( Transunion ) XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ( Transunion ) XXXX XXXX XX/XX/XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX has violated my rights. 

15 U.S. Code 1681 section 602 a. clearly states that I have the right to privacy.

15 U.S. Code 1681 section 604 a. ( section 2 ) clearly states a consumer reporting agency can not furnish an account without my written permission or instructions.

15 U.S.C 1692 C clearly states that Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Product: Credit card or prepaid card

On XX/XX/XXXX, I called to the customer service line to inquire about the annual fee. I asked for a refund/reversal of the annual fee and closure of the account within a few days of the renewal date. Customer service representative said that this could not be done and that he needed to submit a request that would take several business days. After waiting, I called back to find out the resolution and the company said that they could not refund/reverse the annual fee even after attempting to close the account. This is a dormant account, meaning I had not used for more than 6 months and will not use in the future. I think, it is very unfair for a credit card company to make you pay for an account that is not and will not be used. 
Now I have to pay the annual fee ( the only balance ) in the account in order to close it with no negative impact to my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX I recently reviewed my credit report and noticed that it was not reporting accurately. I never even used this credit card. The consumer reporting agencies need to report all information with complete accuracy. This account has never been because I never used it at all. I'm now requesting you investigate this account and update to paid /never late or just delete this account from my credit report immediately. thank you for your under standing and prompt action
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX survivor and these accounts aren't mines please help me
Product: Mortgage

Amerisave Mortgage charged my card {$500.00} on XX/XX/2020. Today is XX/XX/2020. The company has not answered any of my emails regarding return of my funds in that they have not provided any disclosures other than flood certificate info and other not useful information. I have NOT received any documents whatsoever showing what my closing costs might be. Further, my desire to use my own attorney and title company seems to have fallen on deaf ears in so much as Amerisave info reviewed online always shows that they are mandating use of their choices. I want my money back. I have emailed the rep, who goes by the name XXXX XXXX XXXX, has not responded in over a week. Please help make this right. I am clueless as to my costs and how appropriated. Additionally, Amerisave has seperated my refi into 2 loan docs for some reason. I think to make them more money.
Product: Mortgage

Had FHA mortgage paid it Countrywide XXXX wrote new one without our knowledge Have offered settlement Bank of America attorney sent email We mutually walk away dismissal of complaint with prejudice. Dismisd my federal complaints Since BoA bought Countrywide and is using the forged FHA mortgage to foreclose don't know who is pulling the lawyers strings. You can get it directly to BoA is either a victim or in cooperation with the forgers.
Product: Credit reporting

XXXX not reporting accurate information on XXXX credit agencies ... .On XXXX my account it states that the account was opened XX/XX/XXXX but on XXXX and Equifax it states the account was opened XX/XX/XXXX. Last payment on XXXX is dated XX/XX/XXXX but on Equifax report the last payment is dated XX/XX/XXXX. There is no last payment details on XXXX report. XXXX report states that the account was closed XX/XX/XXXX. However there is no information on date closed on XXXX or Equifax report. XXXX report shows " failure to pay '' starting XX/XX/XXXX. However, XXXX and Equifax is showing XXXX 30, 60 or 90 day late payments. I ask them to correct this information and their response was " we are not obligated to provide all of the documentation you requested. ''