23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We purchased our home in XX/XX/XXXX at the peak of the real estate market in our area. As first time home buyers we were excited but uneducated on the varying types of loans. We qualified and received a 10 year A.R.M. loan. We have diligently made the payment every month on time till XX/XX/XXXX when our rate adjusted and our payment increased {$660.00}. We were aware of and anticipated the rate adjustment but the actual increase was far more than expected or sustainable with our budget. Over the years, we have reached out to several different mortgage brokers for direction. However the outcome was always the same and no one would refinance our loan for the followings reasons ; 1 ) we are self employed 2 ) the loan is not a XXXX or XXXX and 3 ) negative equity. Time and time again the advice was " just deal with the payment when it adjusts '' or " sell the house prior to the adjustment ''. 
XX/XX/XXXX we decided to the best option for our circumstances was a loan modification through our lender Citi Mortgage Inc. We contacted Citi and requested a loan modification. We were assigned a 'dedicated Single Point of Contact ' representative to assist with the process. Paper work was requested. Paperwork was returned. More paperwork was requested and returned. Again more paperwork requested and returned. Its been 5 months and we are still waiting for a decision - " it is still in underwriting ''. 
The egregious processing delay has caused extreme frustration and caused further financial hardship, hardly the help and hope they ( Citi ) advertise.
Product: Student loan

In  XXXX     2017  I applied to have all my student loans consolidated  and was notified that  XXXX  of my loans were about to default and I needed to fill out a for to add the  XXXX  borderline defaulted loans to my consolidation, which I did. In the process of waiting for the consolidation to be finalized and the  XXXX  loans added into the consolidation, I am told the  XXXX  loans defaulted and went into collection but I was also told that it was within the 180 day rule and that I could still have the  XXXX   loans consolidated. Meanwhile, without any prior notification or packet, which the   XXXX   XXXX   XXXX   center and the Department of Ed representative told me I was entitled to in order to prevent wage garnishment, but that did not happen an d on  XXXX   XXXX ,    2017  my payroll was garnish for $  XXXX  without any warnings or prior notice, my address has not changed and I am receiving mail at my   XXXX   XXXX   XXXX  . The amount of the defaulted loan is a little of {$2000.00} and I am being garnished for $  XXXX  and told the only way out is to pay in full up front or have the Department of Education  send a Stop  Notice. When I contact   XXXX   XXXX  , I 'm told I must get the Debt Collection Company to agree to release the garnishment to have them added into the consolidation and the Debt Collection company, Immediate Credit Recovery tells me that it is no such action, once in garnishment always in garnishment until paid off or enter into a rehabilitation program which is additional monies on top of the garnishment, which has already put me in a financial hardship and no way out ...  XXXX  Can someone tell me which information that I was given is correct and the steps to take in order for me not to be destitute?
Product: Credit reporting, credit repair services, or other personal consumer reports

N accordance with the fair credit reporting act XXXX XXXX credit # 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 w
ithout my written instruction.
Product: Debt collection

Received a letter from the magistrate court of XXXX  County stating that XXXX XXXX XXXX XXXX XXXX was suing me as the assignee of CITIBANK.

Form states that it is a " PLAINTIFFS APPLICATION FOR DISBURSEMENT OF FUNDS ''.

The following wording is noted : " NOW COMES the Plaintiff in the above styled case and files this Application for payment of all funds due Plaintiff paid by Garnishee after such time as the Clerk determines that no claim has been filed and no Traverse has been filed with twenty ( 20 ) days after Garnishee 's Answer was filed.

Moreover, Plaintiff states Garnishee and Defendant will be properly served with the Garnishment pursuant O.C.G.A XXXX and that proof of such service will be filed with the Court prior to any disbursement of funds. '' This letter is signed by XXXX XXXX XXXX XXXX XXXX, Georgia Bar # : XXXX   The law firm that sent the letter is XXXX XXXX XXXX XXXX XXXX  The APH File number is XXXX
Product: Mortgage

My complaint went unanswered until recently - almost 2 years after the complaint was filed with CFPB. 

The new lender sent me documents they received from Champion during their buyout. 

Champion Mortgage lied to CFPB and is the reason I never received a copy of their answer. The fraud and deception is shameful. For this lender to have misrepresented the facts to CFPB only goes to show you how comfortable they are with their deceptions. I am attaching the answer to CFPB - not the XXXX date they claim the loan was transferred to them on. I kept every document since XXXX. 

Note the {$3000.00} foreclosure attempt when my escrow was in excess of XXXX. 
Note the full and final release they provided instead of this answer. We believed we owned the home because the statue of limitations had expired by 5.6 years from the date of death of last borrower. XX/XX/XXXX - foreclosure was on XX/XX/XXXX. 

They have stolen tens of thousands of dollars from the Loss Draft account - these insurance proceeds were from two named storms in XXXX and Hurricane Harvey XXXX. 

The lender had an inspection company trespass and they left the main gate open allowing my cattle to escape.
Product: Credit card or prepaid card

I signed up for this card and rarely used it. I had lost my primary and used this card. I never received a statement. I believe I spent ~XXXX. Now my balance is {$130.00} and has been reported to the credit bureau as late. I never received a statement. I never received a phone call. Then today, I receive a letter saying they've reported me to the credit bureau.
Product: Checking or savings account

An offline party at heartland payment system payroll services has request my state ID social security card and proof of residence after already receiving it XX/XX/XXXX of this year they admit they revived it original but dont know why they need it again ... .... I havent been able to access my money since XX/XX/XXXX they wouldnt even tell me where to fax the information until the XXXX now I have to wait 5 business days if not longer for this offline party to even get this information
Product: Credit reporting or other personal consumer reports

I reached out to Trans Union to have several inquiries removed that I had not Initiated. 
I sent a letter as they asked and they still have not removed them from my report its been more then XXXX months.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX Account NumbeXXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and XXXX This debt was paid to the original creditor and you have no business continuing to report it as a collections account. In fact, I never had a contractual obligation with this collections company and they are fraudulently claiming I owed them.

DEPTEDXXXXI do not believe I was late on the dates you are reporting. Please report the payment status positive and update all late from reporting on this account
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian will not allow Dispute of Incorrect Payment History for XXXX XXXX XXXX XXXX.This Debt was discharged in Chapter XXXX XX/XX/XXXX and is reporting as a Charge Off XX/XX/XXXX.
Product: Credit card

TDBank who is now the creditor for XXXX XXXX. We purchased furniture Back in XX/XX/XXXX and in XX/XX/XXXX they stated that we purchased more, which we never did. I contacted them to find out why all of us sudden our new monthly payment went up, my wife and i were astonished when they told us that this rat change had been done since XX/XX/XXXX. Keep in mind that we were setup for electronic statements and searching the emails, no statements and been sent to us in any folder in the email account. We spent over 2 hours on the phones with representatives yesterday, including supervisors who could not find anything wrong with their system, but could n't track any outbound email either. I think that it banks should be notifying consumers at any time that their rates change. Whether that is a phone call, paper statement or e-statement. This was not done and i found the " customer service '' to be less than satisfactory. We no have to dispute XXXX more late charges but since no statements have ever been made, why did it take 3 months for this bank to let us know that the late fee 's had accrued.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX I was scammed and hacked, by individuals impersonating XXXX XXXX ( I received the caller ID for XXXX ), and my identity was stolen. The result was that a XXXX XXXX XXXX XXXX was open using my identity. I filed a police report, as well as a report with the Federal Trade Commission, the IRS and SSA were also informed of the identity theft. I contacted XXXX XXXX Bank on XX/XX/XXXX, and was asked by them to send a police report and the FTC report so they will not make me liable for the fraudulent XXXX card account, which I did.. I also sent documentation to XXXX, Equifax and XXXX. XXXX XXXX 41 days later.is making me liable for the fraudulent account and refuses to provide a letter to remove the hard inquiry in my report. XXXX, XXXX and Equifax are not willing to fix my credit ( eliminate the XXXX XXXX XXXX XXXX and hard inquiry ), after over a month of being alerted to the fraud, and sent all documentation. Today, XX/XX/XXXX, after talking to the credit Bureaus only fraud alert is as far as they are willing to help me with. I have not only been a victim of cyber crime but also of the Institutions I now depend on for help ( XXXX XXXX, Equifax, XXXX, XXXX ). 

Can't these people understand that it makes no sense for me to open a XXXX XXXX Credit Card a month ago, Spent zero dollars on it and then go through all the pain and aggravation which represents to deal with this bank and the credit bureaus to try to fix it?????
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitted Three former requests to validate and verify items on a collection account. XXXX and Experian is report all on time pay history with a derogatory account status, dates do not match up. they are reporting incomplete and inaccurate information,
Product: Debt collection

A law needs to be passed where the collections agencies supply invoices to consumers that are on payment plans. Debt collection agencies are taking advantage of consumers that are trying earnestly and honestly to respectfully pay what they owe. 

Is there a law in place where debt collection agencies, credit card companies, and banks should supply a consumer with an invoice monthly or at least quarterly as to what the interest is accruing on that payment plan? And most importantly when payment plans are established how are these companies able to take your payment and apply it all to the interest that is accruing since your payment plan payments are lower than the original contract or credit card payments. 

The payment should be going towards the debt itself or at least half of it should be applied the debt and half towards the interest. When no laws or terms are set in place as stated above the consumers are stuck with the dilemma of being taken advantage of and abused into paying way more than whats sent to collect. 

If a consumer defaulted on an account and couldnt pay, how in the world could they pay on a payment plan that is being charged monthly and or yearly interest and most importantly when they dont even know how that interest is being compounded if the agency or bank never sends you any receipts or invoices of payments received. The consumer doesnt know until he or she happen to call and inquire about the account balance. 

Why isnt the law carried over like with a regular loan or credit card account that sends monthly invoices so the consumer as to payments received, so they will know whats going on with the account? Debt collectors so send invoices of any kind unless requested and this is wrong. 

Debt payment plans/agreements of this kind are sure signs of being abused by price gaulging a consumers debt with unknown terms and how interest is being accrued. 

Why isnt there a law in place to protect consumers on this issue? We are being taken advantage of by debt collection firms, banks, and credit card agencies. A lot of the debt collections laws that are in place are cosmetic, protecting the surface. We need in depth laws put in place asap. 

Also see complaint # XXXX & XXXX, it was never resolved. Their response is not what the court drawn agreement says at all. NO NEED TO SEND TO NAVY FEDERAL, THIS IS A LEGAL, CFPB, AND OR FEDERAL TRADE COMMISSION ISSUE. I NEED LAW PROTECTING FACTS.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or XXXX XXXX XXXX  to file a report Per FCRA section 605b CXXXXXXXXdit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX 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 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 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 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 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

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 XXXX Account XXXX Account Name : DEPTEDXXXX Account XXXX Account Name : DEPTEDXXXX Account XXXX Account Name : DEPTEDXXXX Account XXXX Account Name : DEPTEDXXXX Account XXXX Account Name : DEPTEDXXXX Account XXXX Account Name : DEPTEDXXXX Account XXXX Account Name : DEPTEDXXXX Account XXXX Account Name : US DEPT ED Account Number:XXXX  Account Name : US DEPT ED Account Number:XXXX Account Name : US DEPT ED Account Number:XXXX Account Name : US DEPT ED Account Number:XXXX Account Name : US DEPT ED Account Number:XXXX Account Name : US DEPT ED Account Number:XXXX Account Name : US DEPT ED Account Number:XXXX Account Name : US DEPT ED Account Number:XXXX Account Name : US DEPT ED Account Number:XXXX Account Name : US DEPT ED Account Number:XXXX Account Name : DEPTEDXXXX Account Number:XXXX Account Name : DEPTEDXXXX Account Number:XXXX has violated my rights. Or 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: Checking or savings account

On XX/XX/2023 Chase bank called me from a local branch and told me they were sending me a new card because there had been attempted fraud on my checking account. 

On XX/XX/2023, I called Chase to ask when to expect the card to arrive I found out it had been delivered and that it had been sent to another address. I then checked my account activity and all but {$.00} of my funds had been withdrawn at a Chase ATM, a total of {$2500.00}. 
I promptly filed a claim with the bank fraud department. 

On XX/XX/2023, I received an update on claim stating that : " We found that the transaction ( s ) was processed according to the information you provided or was authorized " No adjustment will be made to your account at this time '' " Contact us if you would like to request the information we used for our research '' I promptly contacted the Customer Claims Department and was informed that the pin used on the account was correct. I told them I was called by someone at a local branch and it was probably a Chase employee at the branch. I also asked why my card was sent to an address other than mine because they had told me a Chase employee could not change the address a card it sent to. The rep told me that I had called and requested it to be sent there. I did not do this! 

I am distraught and shocked at the lack of professionalism I received when talking to the Claims Department employees, including a supervisor in the department. 

I need assistance resolving this claim please. 

Thank you!
Product: Student loan

In XX/XX/2019 I lost my job. I kept trying each month to redo my IBR and it kept getting denied. None of the representatives would tell me exactly why. After having to defer my loans for about 5 months as I finally found a job, I was told it was because my husband needed to go to the studentloan.gov website and sign in to co-sign. I was told previously that he would receive an email. He did not receive any emails. They never told me he had to go log in and accept. This caused me to go from owing {$99000.00} to $ {$130000.00}. {$40000.00} in interest when they could have told me what the issue was all along. They also didn't tell me that the interest rates were that high! This seems very underhanded and I would like to have the interest expunged from my account.
Product: Debt collection

National Credit System XXXX. XXXX  XXXX XXXX, GA XXXX Re : XXXX this company is trying to collet {$10000.00} from some apartment complex named XXXX XXXX XXXX  XXXX XXXX XXXX Located in XXXX XXXX Florida, On XX/XX/2020 I try calling and searching for the apartment complex, it does not exist. i also called the collection company the person who answer was XXXX XXXX XXXX I asked for the phone number of XXXX XXXX XXXX XXXX XXXX XXXX she refused to give that info and said they are not allowed to provide information like a Phone Number for XXXX XXXX XXXX XXXX XXXX XXXX that i need to research by myself, she ask for my personal info. She want me to pay full amount to them and tread me if they send me a package to investigate a Froud this will take months and that the only solution is to pay full amount cause XXXX XXXX XXXX  XXXX XXXX XXXX XXXX company that do not exist ) do not take settlement.