23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In XXXX I had a returned payment. I didnt realize I was a XXXX or so short due to unexpected payments out of my account. By the time I realized Istill needed to pay, it was too late. I called, and scheduled another payment. At this point I wasnt aware of fees and such and payment was returned again. that month I offered them right then and there XXXX and they wouldnt take it. Refused. Then a few weeks later, again. I called and offered XXXX and said Id be current within the month. Nope. XXXX tried convincing me not to pay and is having some assistance place call me. I said, no! I do not want that. Just tell me how to pay. He just ignored my request and kept taking. I said XXXX XXXX is being sued for refusing payment, dont do that. Just let me pay.he says, Im not refusing payment. I said, well you havent given me an option to pay so, you kind of are. He continues until Im yelling and finally gives me wire transfer information, and says its my only option to pay them.
Product: Student loan

This complaint is regarding Mohela and their lack of response to employment certification for XXXX XXXX XXXX XXXX ( XXXX  ) and my eligibility for forgiveness through the XXXX program. 

On XX/XX/XXXX, I submitted a XXXX  application document through their website with employment verification from my employer, XXXX XXXX. I have confirmed they received the document and it is listed on their website as uploaded and " processed. '' On or around XX/XX/XXXX, I received notice from Mohela that my other uploaded applications certifying employment had been processed and a change in qualifying months was observed. My XXXX application for XXXX XXXX ( submitted on XX/XX/XXXX ) also stated it had been " processed '' ( as did the other applications ) however those months are not counted. On XX/XX/XXXX I submitted the same XXXX  application document that was submitted on XX/XX/XXXX. 

In XX/XX/XXXX I contacted Mohela to inquire the status of my XXXX application, the reported it would take XXXX  months to process but declined to comment on the fact that my initial XXXX  application for my employment with XXXX XXXX was submitted XX/XX/XXXX, which was XXXX months from the date of my call. 

The XXXX application submitted on XX/XX/XXXX ( and resubmitted on XX/XX/XXXX ) will satisfy the remaining XXXX  months of employment certification that will bring me to XXXX qualifying payments which will qualify XXXX of my loans for forgiveness. Loan # XXXX disbursed XX/XX/XXXX = XXXX, Loan # XXXX disbursed XX/XX/XXXX = XXXX, Loan # XXXX disbursed XXXX XXXX and Loan # XXXX disbursed XXXX {$8400.00}. Totaling {$24000.00}.
Product: Mortgage

M & T mortgage is billing me for things, increasing my payments then charging me late fees. M & T stated my home owner insurance lapsed due to lack of payment. My insurance agent stated it did not lapse. My payments are done thru escrow so it is paid by the mortgage company. If it was n't paid then they did n't pay it. My insurance agent says it was paid and never lapsed. I did change insurance providers thru my agent for a better rate and additional coverage. 
M & T charged me {$4300.00} for lack of insurance then did a partial refund of {$2900.00}. They have done escrow assessments every 2-3 months ( this seems excessive is n't that once a year? ) increasing my payments every 2-3 months so my auto payments are short. Then, M & T does n't apply my payments since it is not the full amount and holds it in " suspense balance '' then charges me a late fee of {$470.00}. 
I have called repeatedly to resolve this. I get a different person every time and I am bounced from department to department with no resolution after days and hours on the phone. 
I think M & T has questionable practices making money on this repeated escrow assessment increasing payments, billing me for insurance I have and charging late fees on the payment increases they incurred. And I can not get it resolved so I keep getting charged more. I need help with this. I would like M & T investigated for these practices and a refund. So far I do not believe I have been reported to the credit bureau but that is a concern as well ... that they will ruin my credit rating
Product: Credit reporting, credit repair services, or other personal consumer reports

I am demanding that all the INQUIRES listed are removed from my consumer report. I did not give any consent to these companies to pull from my report. This is fraud and a violation, in pursuant to 15 USC 1681s-2, a person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I demand that inquiries are immediately removed upon receiving this complaint. If they are not removed within 14 days I will take further legal action.
Product: Credit card or prepaid card

Citibank is trying to charge me fees on an account that is completely paid off and closed. 

I received an email on XX/XX/XXXX saying that my account was overdue by 3 days. My statement was only overdue because I ever received an XXXX statement from them. I pay statements the day that I receive them. 

So, I immediately called customer service. I explained that I never received a statement and thats why the payment was 3 days late. At that time, there were two outstanding charges. I paid both of those charges at that time. The representative told me that there was NO LATE FEE assessed at that time. So, at that time, I completely paid off the credit card by paying those two charges.

The next week, I received a statement in the mail with a late charge and also one of the charges was on the bill, a charge that I had already paid. 

I immediately called customer service. I told them that I had already paid all charges and that I was told there was no late fee. At that time, I closed the account and told them they would not receive any further payment from me, because I had already paid all charges and was told there was no late fee. 

Then, I received another email, saying that my account was overdue! And, looking at the account statement online, they were charging me not only for the amounts I had already paid off, but also a second late fee charge. The amount in question is {$47.00} and I have the bank statement showing that I paid that off. 

I called again and was told that the late fees are there because I still owed for a payment from XXXX. But, again, I had already paid off the card. And, I have the bank statements to prove it. 

So, in essence, they keep ignoring the fact that I had paid off all that I owed ( and have the proof to show that ) and keep charging me fees. 

And, I have had many credit cards in my lifetime and NOT ONE of them ever charged a late fee if I was in error and was late on a payment by a few days. Every single credit card company I have dealt with, except for Citibank, has waived the fee on a first offense. Also, as I stated, I was told that I was not given a late fee in the first place, then they went ahead and did it anyway.
Product: Checking or savings account

Citizens Bank has refused to close my savings accounts for over a year. In XX/XX/2022, I visited my local branch to close XXXX savings accounts ( XXXX and XXXX ). The bankers there told me that my accounts would be closed, but they did not close the accounts. They also refused to terminate the recurring ACH schedule and refused to instruct me on how to do it myself. I explicitly told them I revoke their permission to pull further ACH transactions from me. 

Almost a full year later I found that Citizens has been executing ACH transactions to these savings accounts without my permission for the entire time. At this time I decided to call them to clear up the issue. Throughout a total of 4 calls to customer service, Citizens continued their deceptive practices, making various claims : I. Refusal to close the accounts with ( my ) funds still in them II. Refusal to close the accounts " today '' ( call back tomorrow ) III. On the 5th and final call, I threatened to submit a CFPB complaint. They put me on hold, I heard the call center manager say " Just hang up on him '', then they hung up on me and again did not close the savings accounts. 

At this point in time, I believe they will absolutely not comply with account closure unless they are forced to do so by a banking regulator.
Product: Debt collection

I do not have an account with Portfolio Recovery and this account was based on ID XXXX. I have requested for validation and verification. Now they are making unwanted phone calls to my home and threats of filing a law suit
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union, XXXX  and XXXX are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.
Product: Debt collection

XXXX XXXX and XXXX XXXX XXXX XXXX are suing me for over {$1800.00} on a loan that was originally {$600.00} that Im not even sure that I took out. I have attempted to settle this debt with him multiple times. The first offer of {$1000.00} he refused saying that he wont take less than 70 % of the original claim which somehow equated out to {$1300.00}. I tried to get him to explain the math on that and was ignored. They told me I had to file a response in court. I have filed responses in court only to get abusive responses back from constantino and his XXXX. 

I have once again tried to negotiate a settlement with constantino because i simply dont want a judgement against me only to be IGNORED by the law firm. 

XXXX XXXX  and his firm uses the Utah State court system to abuse people into paying him massive settlements on small debts to save their name and credit. 

Apparently XXXX XXXX is a part owner of the company who bought the debt, XXXX XXXX. This should be criminal in itself!
Product: Checking or savings account

My Mother opened a Trust acct with XXXXXXXX XXXX in XXXX XXXX XXXX XXXX purchased by SunTrust XXXX then purchased by Truist XXXX After my mother passed, we presented her death certificate and trust documents. But in the mergers, the bank lost the signature card and the original trust agreement. While we were denied access to the account, the delivery adress went dormant and they began charging undeliverable stmt fees. After multiple attempts, the XXXX branch finally executed a new Trust agreement and gave us access to the account. The undeliverable fees were never refunded. Given the .01 % interest rate, and the lack of refunded fees, we decided to close the acct. Due to Truists ' online policies, the " final '' withdrawl left {$2.00} in the acct. I contacted Truist online with my desire to close the acct. Two months later they had added {$30.00} in monthly fees and a {$30.00} charge off fee. They now want {$58.00} to close the acct with {$2.00} that they had overcharged. I complained about the fees on XXXX and was blocked from commenting on Truists ' XXXX pages. So not only did they charge exorbitant late fees for their inabaility to close an account, the inhibited my ability to share my factual story with others.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to reach out several times to Experian & XXXX, to have the lates removed from my report, because XXXX erroneously reported me late, and after several months of this back and forth, its still showing on my credit report the incorrect data and payment history, which moneylion falsely recorded, and still hasnt corrected. enough is enough, i am looking to get mortgage financing in the next few months, and this erroneous reporting, is destroying my credit scores. I have tried several times to rectify this online & by calling, with both bureaus, enough is enough. Also, CFPB, if you refer back over the last several months, you shall see that i have submitted to claims of Moneylions erroneous & disastrous errors, which i provided to Experian & XXXX, and they disregard completely, especially, the part which reflects that XXXX was 100 % wrong, admiited it, and reported erroneously.
Product: Student loan

I had private loans with XXXX XXXX from XXXX. I was informed that I was part of the XXXX XXXX XXXX XXXX in XXXX. The loans have since been taken off my credit report as well once the settlement came through. 
I got a letter in the mail from Radius Global ( today XXXX ) as a debt collector for the Navient Loans with a total for {$110000.00}. The last time I received a collection notice in regards to XXXX was around XXXX. I was informed I was included in the MultiState Lawsuit settlement and to contact with debt collector. 
The first several times I disputed this was different debt collectors and the amounts had varied between {$100000.00} - {$130000.00}. Before the settlement, I asked if these could be included in the XXXX since I've been XXXX XXXX XXXX  years and they were XXXX. I was told no. 
I filed bankruptcy in XXXX, and these loans were in reported to several different collection companies. I asked if they could be include since they were a " debt collector ''. I was told " no '' by my lawyer at the time because they were going to be sold to XXXX. When that happened, the lawyer then said my debt would be included in the XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am requesting that you please provide me with all verification results regarding this account sothat I may investigate these claims and take appropriate legal action.Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 


Account Name : XXXX XXXX Account Number:XXXX  Amount : {$0.00} DateXXXX
Product: Mortgage

I 'm been trying to refinance my mortgage since XX/XX/XXXX now that they got this Harp programI still ca n't refinance due to my second mortgage I fill bankruptcy XX/XX/XXXX this mortgageGot discharge but I 'm still paying for XXXX mortgage and XXXX have a lien on property how can I get this lien off to get approve for refinance.
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 U.S.C 1681 15 U.S.C 1681 section 602 A. States i have the right to privacy 15 U.S.C 1681 section 602 A. Section 2 also states a consumer reporting agency can not furnish a account without my instruction 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, Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 


XXXX XXXX Inquiry date XX/XX/XXXX XXXX  Inquiry date XXXX XXXX, XXXX XXXX  Inquiry date XX/XX/XXXX XXXX  Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX
Product: Student loan

Navient is the service provider for our consolidated student loans. We are XXXX and XXXX respectfully. I believe that we have been victimized by the practice of withholding relevant information that would have been in our best interest when struggling to repay our loans over the past 40 years, I found several lawsuits that describe our situations and some of them were won. 
1. We were advised to use forebearances or deferments, rather than directed to IDR options. 
2. We experienced a bankruptcy ( and nothing was discharged ) 3. We have been paying on this thing for decades and the orginal balance was only $ XXXX and now over $ XXXX with the principal pretty much the same and interest as much as the original loan. 
4. We're not even sure how we ended up with our loans consolidated. 

Not sure how to resolve with Navient as they are being sued for these very practice3s.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed for Bankruptcy in XX/XX/XXXX. Nissan Motors Acceptance also known as Nissan-Infiniti LT ( account # XXXX ) was included in the bankruptcy. 

I currently have an auto loan and credit card with XXXX XXXX. XXXX XXXX provides a credit monitoring service ( XXXX XXXX ) to it's member. On XX/XX/XXXX, XXXX XXXX informed me that my credit score was XXXX. 

Early XX/XX/XXXX, I received an alert from XXXX XXXX informing me that my credit score had dropped by 11 points. 

I immediately purchased membership to XXXX ( $ XXXX/mo ),  XXXX ( $ XXXX/mo ) and XXXX ( $ XXXX/mo ) in order to investigate and dispute the matter. 

I found that Nissan Motors Acceptance also known as Nissan-Infiniti LT ( account # XXXX ) had reported payment status to all three credit bureaus which caused my credit score to plunge. 

I filed a dispute with all three credit bureaus. The results came back the same, Nissan Motors Acceptance also known as Nissan-Infiniti LT ( account # XXXX ) confirmed that this account was part of the bankruptcy and that they should not be reporting on this account. 

However, to date ( XX/XX/XXXX ), my credit score still has not recovered. XXXX at the time Nissan/Infiniti reported in XX/XX/XXXX, my score was XXXX. Today it is currently XXXX. XXXX  at the time Nissan/Infiniti reported in XX/XX/XXXX, my score was XXXX. Today it is currently XXXX. XXXX  at the time Nissan/Infiniti reported in XX/XX/XXXX, my score was XXXX. Today it is currently XXXX. 

Today, as I prepared my evidence to upload, I noticed that the last date that Nissan/Infiniti reported to XXXX was XX/XX/XXXX. Nissan/Infiniti is still reporting and ruining my life. The current XXXX   report does not reveal the last date reported. XXXX XXXX website is having technical difficulties so I was unable to retrieve a current report. 

My credit is damaged. I can't apply for many of the credit card offers that I have received since XX/XX/XXXX. I would like to change my residence. I would like to rent a single family home, but I would not qualify for the rental of a house, in an area of my liking, with this damaged credit. 

I dont know where to begin to attempt to figure out how high my credit score would be if Nissan/Infiniti had not committed this error. All I know is the Nissan/Infiniti has caused me and my credit status grave damages and this must be rectified immediately if not sooner.
Product: Credit reporting, credit repair services, or other personal consumer reports

I file a dispute with TransUnion, XXXX and the XXXX XXXX XXXX XXXX. A debit that is over the seven years is still reporting to credit report.
Product: Checking or savings account

I am XXXX XXXX. 
At XXXX XXXX 's request I added my name to her account for the sole purpose of being able to lend her money when needed. I never paid any bills or made purchases of any kind from her account. If the transaction details are viewed, this information can be verified. I was just doing her a favor because she is the mother of my grand child. 
XXXX 's name was not on any of my accounts. 

XXXX went through a XXXX period when her father died and did not pay any of her bills and the account became overdrawn because of a payday loan payment that she owed as well as an auto loan payment. I went to the branch and talked to a personal banker about taking my name off XXXX 's account. The personal banker, XXXX, at branch XXXX in XXXX XXXX, MI said oh no Chase will not take your money! ON XX/XX/XXXX Chase 's collection department took {$420.00} from my account that ended in # XXXX and deposited it into XXXX 's account that ended in # XXXX. On XX/XX/XXXX the collection department debited my account again for the amount of {$680.00} and deposited that into XXXX 's # XXXX account. 

I don't feel that I am responsible for XXXX 's debts of {$1100.00}. I have many accounts at Chase Bank. My name is in good standing, plus I am a XXXX XXXX XXXX. My husband passed on XX/XX/XXXX. XXXX and I am trying to manage my finances in a responsible way. I have family and grand children that depend on me.
Product: Credit card or prepaid card

This is related to your announcement last week with Bank of America. I had a fake account opened which was discovered during my California divorce from XXXX to XXXX. 
During the divorce this unknown card and account by me went off to receivership with a company called XXXX. My divorce was a painful one in which my health suffered a great deal. After the press release last week on the BoA harming consumers -- > I am one of them! 

I have read many articles and it appears that the restitution process will be posted on your website? Is that correct?
Product: Debt collection

I am a victim of identity theft. The tradeline, which appears on my credit report from XXXX XXXX XXXX/SYNCHRONY BANK last reported on XXXX XXXX in the amount of {$1900.00} does not relate to any transaction ( s ) credit account I have ever had. It is the result of identity theft. I received a copy of my credit reports and discovered this trade line on my credit report. I did not authorize this account or transaction. I did not apply for any credit with this company and have no existing accounts with XXXX XXXX. Please delete this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act. I have contacted both XXXX XXXX XXXX/SYNCHRONY BANK individually and have not received any reply back.
Product: Mortgage

Im Trying to remove my PMI insurance my home has gone up in value around XXXX percent and they refuse to take mortgage insurance off
Product: Debt collection

I hope this letter finds you in good health. I am writing to bring to your attention an issue regarding my credit report. Upon reviewing my credit history, I have identified an entry that appears to be inaccurate and is affecting my credit score adversely. I am writing to request the correction or removal of the late payment entry associated with my account. 

Below are the details of the late payment entry : LOANCARE XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or LOANCARE customer service representative. 

Upon careful examination of my financial records, I believe there has been an error or misunderstanding regarding this late payment entry. I am confident that the payment in question was made on time, and I would like to request an investigation to rectify this discrepancy promptly. 

Maintaining an accurate credit history is crucial to my financial well-being, and I am committed to resolving any discrepancies promptly. I kindly request your assistance in investigating and correcting this matter as soon as possible. Once the investigation is complete, I would appreciate it if you could provide me with written confirmation of the actions taken to rectify the late payment entry on my credit report. Additionally, if there are any further steps I need to take, please advise me accordingly.