23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In XX/XX/2023, I applied for a home equity loan with XXXX XXXX. However, during the title search, it was discovered that there was a second lien on our title from the Housing Urban Development ( HUD ). PNC, our bank, advised me to contact HUD to get the payoff statement. When I contacted HUD in XX/XX/2023, I was told that no partial claim was filed with HUD and that I should contact my bank. This went on for a month, causing a lot of confusion. 

Eventually, I discovered that PNC had added {$13000.00} to our mortgage loan and filed an Assignment of Mortgage from HUD to PNC on XX/XX/2023. Upon seeing the document, I called PNC to request a payoff statement for the XXXX XXXX mortgage. However, the bank informed me they could not provide me with a separate statement for the HUD lien transferred to PNC. They only offered a payoff for the mortgage, including the $ XXXX. 

Unfortunately, the loan processor assisting us with the home equity loan at XXXX XXXX  told us that they could only proceed with the application if we provided a payoff statement for the second mortgage lien of {$13000.00}. However, PNC refused to offer the statement, leaving us in a difficult situation.
Product: Checking or savings account

Chime Online banking since XX/XX/XXXX close my account Ive called numerous thousands of times and {$1000.00} they have of mine since then and will not issue me my check for it is underneath the credit credit builder account and they told me that its gon na be 10 days within 10 days not business days either they said within 10 days I asked him if its gon na be business days I said no within 10 days. Youll have your check to your house the XXXX they never called every day since then they keep telling some lies XXXX excuses, and everything else. Every single time is a different excuse or lie they put me in jeopardy of losing my truck because I couldnt make my truck note money all money has time and I dont get paid every two weeks and I told him that I told him I had money open my account back up for an hours. Let me get my money out and disrespectful and still have not received my money and Im sick and tired of it
Product: Credit card or prepaid card

This involved a fraudulent charge made on XXXX for an amount of {$73.00} on my Citi XXXX XXXX credit card ending in XXXX. I saw this and contacted Citi right away ( the very same day ). Interestingly enough, this fraudulent charge happened with a Virtual-Account number that I had generated on Citi 's website for an online purchase. Before I could actually use that temporary number to make that purchase, someone else had. 

My login username was de-activated by Citi the following week alleging " low-level fraud '' pretty much confirming that there was some fraudulent activity on my account. 

Over the course of three weeks following XXXX, I have contacted Citi multiple times and I've been told my numerous customer " service '' reps that I should see a credit on my account in a few business days. Every single one of them lied to me because it's three weeks and I still haven't seen that credit. 

With an average charge-up of XXXX {$1500.00} per month on my end on this credit card, I really don't understand why Citi is jerking me around for {$73.00}.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy Here is the item I am asking you to verify as accurate : XXXXXXXX XXXX XXXX XXXXXXXX
Product: Student loan

My loan accounting was previously done through mohela.com which incorrectly calculated money owed which resulted in me overpaying on several loans that I attempted to pay off. Thus, I am owed refunds on those loan payments. However, they have never issued the refunds. Though I could see in mohela.com that I was owed a refund. I've called about it several times and customer service confirms a refund is owed, and tells me to be patient. However, its been months now and I have no means to contact customer service. Everytime I schedule a callback nobody calls me back. I've waited for two hours before and not gotten through to anyone. Aside from all that they removed my access to mohela.com and told me to use mohela.studentaid.gov to manage my loans now. However, they didn't transfer any of my payment history to the new mohela.studentaid.gov platform. There are also tons of glaring issues with the site. I recently tried to pay off the rest of my loans. They took all the money, but only moved one of my loans to a paid off status. The rest still show forbearance even though I paid them off in XXXX. And when I click on the one that is paid off or any of my other paid off loans the site says an error occurred and won't show me the loan. The site also won't show me the interest rate on any of my loans. All of these issues are unacceptable.
Product: Credit reporting or other personal consumer reports

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. 
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: Vehicle loan or lease

I had paid off my Auto loan in full on XXXX, XXXX, 2023, but till date the Santander Bank has not reported to the Credit Bureau and the Loan amount is still showing in my Credit Report. It's a Fraud and despite of several Complaints earlier, Santander Bank is not taking this seriously. 

I spoke to one of the Customer Support Associates XXXX on XXXX2023 and She confirmed that the account has been paid in full on XX/XX/2023and refused to give me a Ticket number for the Complaint for concern about not reporting to the Credit Bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed personal information that should not be furnished on my consumer report. I have given proper documents to verify my identity My only name is XXXX XXXX My only address is XXXX XXXX XXXX XXXX XXXX, Pennsylvania XXXX all other addresses you list on my report are wrong. except for XXXX XXXX XXXX XXXX XXXX, Pennsylvania XXXX. 
they are in clear violation of theese laws. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( XXXX ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( XXXX  ) the information is, in fact, inaccurate. 

( C ) No address requirement A person who clearly and conspicuously specifies to the consumer an address for notices referred to in subparagraph ( B ) shall not be subject to subparagraph ( A ) ; however, nothing in subparagraph ( B ) shall require a person to specify such an address. 

( D ) Definition For purposes of subparagraph ( A ), the term reasonable cause to believe that the information is inaccurate means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of the information. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ),
Product: Credit card

I called to ask why account under review I always make my payments but recently transferred my balance & they wouldnt tell me what credit score is required to maintain wouldnt even confirm thats the reason why.
Product: Credit card

I applied for a Citi Premier Thank You credit card on or around XX/XX/2022. 
The bonus was for XXXX points if I spent XXXX XXXX XXXX XXXX within 3 months. I met these terms. 
Agents for Citi do not deny that. However, written letters from Citi just say that I wasn't eligible for the offer with no proof. Subsequent agent confirmed with me that I haven't had the card or cancelled the card within 24 months. He escalated again with the same result - denial letter in the mail with no support. Now the newest agent is saying 48 months, which appears to be current offer language but not that of back in XXXX. It was consistently 24 months back then. Unfortunately, I'm not a psychopath who screenshots all terms and conditions in case of something like this occurring. That said, I'm a licensed attorney with no time/desire to play games. I would only sign up if eligible. I have included an image of the of offer I signed up for that was around back then. Nothing in my records indicates I had this card or cancelled the card or any other excluded credit product with Citi in the 24 months prior to card sign up.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. My credit report is showing late payments to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
Product: Debt collection

Wakefield & Associates has been attempting to collect a medical debt I do not owe for years and nothing I have done or sent them has gotten this line off of my credit report. The original creditor ( XXXX XXXX ) has even emailed them but they refuse to remove the line. My son was covered by XXXX  at the time of service and my state has laws that protect XXXX recipients from this sort of thing happening to people when billing errors happen. I now have provided not only the Letter of Coverage to all parties involved and I have also provided a statement from the original creditor to the collection agency as well as XXXX  which states the account was paid by XXXX in 2013 ( 5 years ago!!! ) and neither the Wakefield & Associates nor XXXX has take any action to remove this incorrect data from my credit report. XXXX  has even claimed after each of my disputes to have validated this debt despite me having proof otherwise. Both the collection agency and XXXX have been negligent in the handling of my disputes and as a result, my credit scores have been held down. Please investigate this!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Reported by : Credence resource Management Creditor contact : XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Account Type : Collection Agency Balance Amount : {$480.00} Date : XX/XX/2021 This agency Credence Resource management is in violation of 15 U.S.C 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. I demand that this account be deleted immediately and I request a free copy of my report after the changes have been made ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of 15 U.S.C 1692g
Product: Mortgage

My account was sold to Nation Star Mortgage. My home equity loan was then given to XXXX XXXX. XXXX and Nation Star Mortgage are the same company. I setup and paid XXXX XXXX. Nation Star Mortgage has refused to update and change my credit report insisting the account is a charge off. This is not true. I settled with XXXX a company owned by Nation Star for less then the full amount and the account is not a charge off and has been settled for less then the full amount. It should be noted that in the event the consumer works with XXXX XXXX a company owned by Nation Star that Nation Star must then report accurate and not misleading information to the credit bureaus. Please see enclosed documents.
Product: Credit card

Received a notice from Avant that effective next month I will be getting charged an annual fee which breaks down to XXXX a month. APR will also increase. The only option to opt out of this fee is to inform them but they will close the account. 

I did not agree to these terms when I applied for and was approved for this credit card. How is it legal to go and change those terms after a customer has gotten the card and stipulate that the only way to opt out of these changes is to close the account? That sounds unfair and unethical to me.
Product: Debt collection

Ex wife defaulted on a medical debt. Company tried to get me to pay. Notified them debt was not mine. They sent it to collections. Asked for validation, collection company sent a copy of contract signed by ex-wife. Sent Collection company a response with proof of divorce 10 years prior to date in XX/XX/2023. To date collections company has neither acknowledged nor corrected the error.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of Accounts in my letter has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 or 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 cosumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccuarate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX # XXXX and XXXX XXXX XXXX has multiple names and continue to duplicating accounts on my credit reports. This account has been paid. Both creditor and collections are reporting incomplete information misleading potential creditors offers. XXXX XXXX exceed 7 year statue for reporting. 

XXXX XXXX XXXX XXXX paid as well all adverse information listed on credit report is incomplete. 

XXXX XXXX XXXXXXXX XXXXXXXXXXXX XXXX are all the same duplicated accounts.. I have record showing I paid this account.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I have attached my complaint Ive filed with the Federal Trade Commission and Ive attached my identification for identity verification. My only name is XXXX XXXX XXXX XXXX and my only address is XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX. My credit report should only report the above accurate personal information.
Product: Debt collection

I explained to the collection company that theyre constantly calling and emailing me to pay a debit that I didnt have any knowledge about. The amount is {$990.00}
Product: Credit card

I opened a Hilton American Express card XX/XX/XXXX to receive the promotional bonus of XXXX points on Hilton and a {$100.00} statement credit. I spent the requisite {$2000.00} in a couple months, paid off the card, and waited. No bonus appeared, so I contacted Hilton, and they said it's an American Express decision. I contacted American Express and they don't know why I did not receive the bonus, but it was denied to me for any variety of reasons, none of which makes any sense such as : 1. it's Hilton 's decision ( no, not true ) 2. I have a Delta SkyMiles American Express card ( opened in XXXX ) so I was denied bonus, but this is not procedure, so their reps don't know why 3 years later, I would be denied bonus as the products are not related, and are separated by 3 yrs.

3. I should have seen a pop up window, while applying, that told me I was denied the bonus ( not true ) 4. I should have received an email saying I was denied bonus ( no, not true ) This is a switch and bait sales tactic. I have -- in my email -- a ton of offers from Hilton and American Express to open this new card to receive the bonus, clearly received after I opened the Delta SkyMiles card, that also promises American Express card holders that they can also open a Hilton American Express card, and receive this new bonus. I also have a XXXX XXXX XXXX, according to them, and I always pay my credit cards in full. 

At this point in time, I have over a XXXX in credit owed to me by American Express on my Delta SkyMiles account that they've not offered to send me in check form. I wonder if that's the true reason ( although that makes XXXX sense ). So, what is American Express doing to consumers?
Product: Debt collection

I received a letter in XXXX about the debt and paid it, the company has repeatedly called me since XXXX wanting the money. I emailed repeatedly asking them to stop because the debt was paid in XXXX.
Product: Mortgage

I had a mortgage with XXXX and when they collapsed it was passed on to other lenders without my knowledge and XXXX XXXX XXXX wound up with it and it took several years before i found out where it was going to and a loan servicing company called Specialized Loan Servicing started sending me notices and then it was sold to XXXX XXXX and XXXX XXXX and I had to hire several different law firms for a Modification which XXXX is now the bankrupt law firm XXXX XXXX out of XXXX New York. They had told me that indeed I was the victim of Robo signing and for years I filled out monthly paperwork for SLS whom I found out was working for XXXX and XXXX and they forced me into bankruptcy and my home and my truck were the only debts I had and I am still in the house and there is a serious problem as the house sits on XXXX pieces of property XXXX of which XXXX county and I have a stake in together ... It gets even more twisted as I am still trying to save my house and I am still in it, I need to talk to someone asap .Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized inquiries not being removed after numerous requests to transunion after being a victim of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX I have contacted Equifax 4 times a month since XXXX, they keep reporting an address I have never lived at on my credit file. I am always told by them it will be deleted with in 24-48 business hours, I will always receive a dispute confirmation that it was deleted, but then it would be re added to my credit profile the following day. I was told that they would block the address and never did. My last call I spoke with XXXX who had no intention to help me, she put me on long holds to laugh and giggle with her other employees you could hear it every time she un-mute her phone. They do not take their job seriously and I constantly lied to. The address has reappeared XX/XX/2017, XXXX advised to me it would be removed. I have faxed them XXXX, social security card, and utility bill. I have even went out my way to email the CEO, everyone think this is joke. I've reached out to all my creditors even the ones that are listed poorly on my account and no one has that address for me, I want this address deleted. This is not my address. I have submitted a complaint to XXXX and this was the response : Dear XXXX XXXX, we received the complaint you submitted through the Consumer Financial Protection Bureau Portal. Equifax has reviewed the complaint and its records. The disputed address XXXX XXXX XXXX XXXX XXXX, Florida XXXX is currently not reporting on the Equifax credit file. Please note that for future disputes of credit report information, you may visit www.equifax.com.  Clearly there was no investigation, because every phone call had nothing to do with that address, they never too the time to review the calls or disputes!!! This is fraud, they will not even let me dispute online. Each time I call they tell me they will note the account. If there is notes on the account then they would investigate this correctly and have the correct address. There should only be one address.
Product: Mortgage

According to HUD website, HAMP modification loans amounted to an average {$470.00} in monthly savings while my HAMP modification loan did very little to adjust my monthly payments, thereby making my home affordable because Specialized Loan Servicing intended to force me into foreclosure. 

I was forced to reapply 19 times for a home modification loan, before approval. Although, I had requested modification from XXXX XXXX XXXXXXXX when SLS assumed the loan, in XXXX, XXXX, I did not receive a home modification until XXXX, XXXX. At that time, the program ended and I just managed to receive a modification just a week prior to the HAMP program ending. When I contacted another loan servicer and they contacted SLS, only then did I receive loan modification help. 

Due to Specialized Loan Servicing driving up the amount owed on my loan, I feel I did not receive the best modification of my mortgage available to other customers. 

I am requesting an audit of my mortgage modification. I believe that I was given a subprime mortgage modification due to the fact that SLS had no intention of actually helping me, instead hoping to foreclose by increasing the amount of back mortgage by stalling my application for four years. 

I went from being 1 month past due mortgage in XXXX, XXXX to owing more than four years of accumulated payments of over {$84000.00}. I contend SLS juggled my single point of contact, so I never could get the complete story or anyone who would actually help with my application, all the while my unpaid mortgage steadily increased. 

Even while I was in the trail period my mortgage payment, tax and escrow has increased to almost my premodification levels. 

Why?