23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My husband and I applied for a mortgage modification after my husband became very sick and was subsequently fired. After applying for the modification, CitiMortgage continued to send the same documents multiple times that contradicted the other and asked for the same documents multiple times. Eventually, we became concerned that our lender did not know what was going on with our modification and we began to contact our Homeowner Support Specialist as to why we continued to receive these letters and no one could answer our questions. We were passed from supervisor to supervisor with no answers until we finally received a new Homeowner Support Specialist who could still not answer our questions as to why we continued to receive the same letters over and over again, but ensured us that everything was received and we could disregard the letters that we received and to continue to make our monthly trial payments until the modification was finalized. 
On XXXX XXXX, 2015 we received an email from CitiMortgage that said, " We have received the signed documents you sent and your mortgage loan modification with CitiMortgage is now finalized. Thank you, and congratulations! We sincerely hope this mortgage payment assistance is beneficial. '' Now, almost three ( 3 ) months later, CitiMortgage informed us that our modification was denied and we now have to pay more than what our mortgage was before we began the modification process. We contacted CitiMortgage and told them we received in writing that our modification was " finalized '' and did n't know there were any issued and was told that " just because we received something that says 'finalized ' does n't mean that it is really finalized. '' When asked if CitiMortgage could locate the email sent to me advising that our modification was finalized, we were told their documents were down and it could not be pulled up at that time. 
We are at a loss of what to do given that we are continuously passed around from department to department and from supervisor to supervisor with no answers except for we did n't return all necessary documents to complete the modification. However, when we ask what documents were missing, CitiMortgage can not identify which documents were missing. 
Any advice would be much appreciated.
Product: Student loan

I have signed up for recurring payments with Sallie Mae 3 times in the past 6 months with their 3 month automatic payment plan. I contacted them XX/XX/XXXX after 3 payments were to have been taken out of my account ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) and they said the XX/XX/XXXX payment had gone thru but the payment for XXXX had not. I contacted then again shortly after and they said none of the previous payment had gone thru so my account was delinquent. When I inquired the customer service rep they said my account was delinquent and the only way to get it current was to sign up for automatic payments which I did on XX/XX/XXXX again. When the payment scheduled for XX/XX/XXXX was not debited I contacted the customer service department again. They said My account was delinquent once again and that My only way to bring it current was to sign up for automatic payments. The next payment was debited on XX/XX/XXXX which only was debited from my account because I made the payment not because it was automatically taken from my account as it was supposed to be. During this ordeal my credit score has suffered, and received negative marks due to Sallie Mae 's inability to keep up with my payments.
Product: Credit card

On XX/XX/2024, called Chase Bank in regards to a follow-up on a fraud case involving gift cards. I explained how I was involved in a fraud case and was coerced to buy XXXX gift cards totaling {$3000.00}. This happened on XX/XX/2024. The person I spoke to stated that they would look into it and the charges were taken off. No one told us that we needed to file a police report. A month later, the charges were back on my card, with no explanation as to why and no letter. So I called Chase Bank and they stated that they investigated and found that I was responsible for the charges. I told them that I wanted to appeal it and they told me that I had to get a police report. Not even a week went by, I got a degrading phone call from the fraud department stating that I was responsible for the charges. I told them I had a police report and that ended my call. The next day, I received a message on my bank app stating that they looked into it and I am still responsible for the charges without looking at the police report. I find this one-sided, disrespectful, and unprofessional. They did not even look at the report. And the degrading call was unacceptable. I feel they made their decision and do not care. I was not given a chance to show all the evidence I had. I do not wish this on anyone. They need to improve on their people skills.
Product: Credit reporting or other personal consumer reports

I purchased a van through XXXX XXXX. The van was totaled out. My insurance company sent them a check. They are claiming that there was a balance still due. There is NOT. They have ruined my credit score Ive logged into the XXXX XXXX website and it says theres a balance of {$6000.00} Ive asked for proof of this they have not responded and phone reps refuse to send the info to me. Theyve been reporting on my credit report twice a month since XXXX balance past due. Which has brought my score all the way dow to XXXX. I want this information removed from my report as it is not accurate. I want copys of the payment history and of the check sent from the insurance company and I want the double past due reports removed from my credit reports. Removed from ALL CREDIT BUREAS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent XXXX XXXX a letter on XX/XX/ asking them to provide me a copy of the 1099-C that was issued by their company when they charged this alleged debt off with the IRS which is required by law for all debts over {$600.00}. They NEVER responded to me. They are violating my rights as a consumer under FCRA 15 USC 1681B ( a ) ( 2 ). XXXX XXXX did not have my permissible purpose nor written instruction to furnish this alleged debt on my consumer report nor did I give permissible purpose or written instruction to XXXX, XXXX, and Transunion to publish this alleged debt. These companies have violated my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XX/XX/XXXX {$170.00} XXXX XXXX XXXX XX/XX/XXXX {$580.00} XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX {$410.00} XXXX XXXXXXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$610.00} XXXX XXXX XXXX XX/XX/XXXX {$10000.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$170.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Collection account has been paid in full on XXXX/XXXX/2020 to the original creditor of the account. Receipt proof was made available yet the account still remains the same after disputing twice. The collection agency claims their information is accurate but it is not accurate and I have proof of payment.
Product: Mortgage

Citizens one bank is skewing the financial figures in my escrow account to make the short fall caused by the property tax increase to appear greater than it actually is in order to raise my monthly mortgage payments significantly. ( Please view PDF doc named Escrow -shortfall ). Also, they are double charging for the short fall. Citizen XXXX has already deducted the short fall amounts from the escrow contributions from my monthly mortgage payments for XX/XX/XXXX. They increased my monthly mortgage payments for XXXX to pay back the money that they advanced me for the Escrow short fall, which was already paid back XX/XX/XXXX. They deducted from the XXXX contributions {$39.00} on XXXX/XXXX/XXXX and then again deducted {$360.00} on XXXX/XXXX/XXXX to repay Escrow advance. Why do I have to pay back the short fall twice? 

XX/XX/XXXX they simply factored in the Escrow short fall into my monthly payments and did not deduct anything from the Escrow contributions. This year they did both! ( Please view PDF doc named Account Activity ). Another issue that concerns me is that the actual Escrow short fall for XX/XX/XXXX was only {$400.00}. How can the escrow account be short {$1000.00}? ( Please view PDF doc named Escrow shortfall ). Citizen One bank claims they are charging me over double the amount of the actual shortfall because the Escrow amount fell below {$830.00}. It would not have fallen that much if they simply incorporated the short fall into my monthly mortgage payments like are supposed to instead deducting it immediately from the Escrow contributions. By deducting the {$400.00} directly from the contributions they unnecessarily increased the XXXX deficit and made it look larger then it actually was. They did this to INCREASE MY MORTGAGE PAYMENT OVER A XXXX DALLERS for XX/XX/XXXX and THIS IS BEFORE THE Mortgage ARM AJUSTS. The rate for my ARM is not set to adjust until XX/XX/XXXX. ( Please view PDF doc named Mortgage Statement ). 

Since the escrow shortfall was deducted already from my Escrow contributions for XX/XX/XXXX, my mortgage payment should remain the same as before. Which was {$1400.00}. Because of Citizens bank double charging me for the {$400.00} escrow short fall, my mortgage payment now jumped to {$1500.00}. There should be no increase Until XX/XX/XXXX when the ARM for the mortgage is set to adjust.
Product: Credit reporting or other personal consumer reports

Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. 
Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. 
Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a XXXX grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 
Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not readd or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.
Product: Credit card or prepaid card

Over the course of a number of years I had overdraft protection on my Chase checking account tied to my Chase freedom credit card. 

On multiple occasions my checking account was struck with overdraft fees that were improper. These fees were then covered by my open line of credit. Chase then subsequently reversed the overdraft fees in my checking account, but never properly readjusted my credit card to reflect these changes. I have subsequently been charged monthly interest for years for improper ornotjeteise trfrtrdsrd overdraft protection.
Product: Student loan

I submitted a request to have funds returned to me in reference to the CARES act. I requested to have payments that i made during the pandemic to be refunded to me. I made the initial call on XXXXI 've been told this is in process and I would be kept in the loop on the status of this request. By this Thursday ( XX/XX/2022 ), it will have been 6 weeks with no status update ( via email or phone call from Nelnet ) in regards to this request. I've called multiple times and have been given different information from each agent I've spoken with ( it's in process or contact studentaid.gov ). With no movement so far, this is going beyond the window in which I was quoted ( 4 to 6 weeks ).
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 : Bankruptcy XXXX XXXX-discharged reference number 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 aiso states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX account # XXXX has violated my rights. 

In accordance with the fair credit reporting act XXXX account # XXXX has violated my rights. 

In accordance with the fair credit reporting act XXXX XXXX account # XXXX has violated my rights In accordance with the fair credit reporting act XXXX XXXX account XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to my 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.
Product: Prepaid card

I'm trying to use this american express reward card to buy XXXX e-giftcard regardless what amount I still get declined. It did a pre-charge but unable to go through each time. I did it 4 times and still get declined. The total amount is still less than the reward card balance
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not have a credit score. I need one. I am trying also to have the best credit score and buy anything on credit. i am trying to have a 800 credit score at least. I need to purchase things. i think the credit companies need to give better and higher credit scores. I always paid my bills on time. I need to buy a car without a cosigner and a house. Please fix this and a major credit card. Thank you. Credit Karma is not even showing my credit score. I need the companies to show my credit score. I need the most help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no knowledge of the following inquiry XXXX XXXX XXXX. Please investigate to insure there is no fraudulent activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I have had identity theft. I'm not sure what is going on, but this second time I decided to pull my credit report because I knew something is not right. When I looked through my report there was a list of fraudulent items on my report. Please remove these accounts from my credit. 

BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00} XXXX XXXX {$2600.00} XXXX XXXX {$960.00} XXXX  XXX {$18.00} XXXX XXXX XXXX {$21000.00} USDOE/XXXX XXXX {$1500.00} XXXX  XXXX XXXX XXXX XXXX {$3500.00} XXXX XXXX  XXXX {$18000.00} XXXX XXXX XXXX {$9800.00} XXXX  XXXX {$5300.00} XXXX XXXX, XXXX XXXX {$820.00} XXXX   XXXX {$170.00} XXXX XXXX XXXX XXXX {$2400.00} XXXX XXXX XXXX XXXX {$170.00} XXXX  XXXX {$0.00} XXXX XXXX XXXX   XXXX {$82.00} XXXX XXXX XXXX {$2400.00} XXXX XXXX XXXX {$820.00} XXXX XXXX   XXXX {$280.00}
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. Despite our previous attempts, I regret to inform you that this issue still persists. I kindly request that you prioritize the investigation and removal of this charge off account with the utmost urgency. It is imperative to take all necessary steps to correct this issue in accordance with the Fair Credit Reporting Act ( FCRA ) and other relevant regulations. 

Furthermore, I would greatly appreciate receiving regular updates on the progress made in resolving this matter and a clear timeline for when I can expect to see this discrepancy corrected on my credit report. I understand that addressing such issues may require time and effort, but I urge you to handle this matter with the diligence and attention it deserves. With this, I am asking for your assistance to remove the account : XXXX XXXX XXXX  XXXX Balance : {$3800.00} - I believe this account is reporting inaccurately. I do not recall ever having a legal obligation with this company nor believe one exists. Please provide me with verifiable proof this account belongs to me. I request a signed contract which is the ONLY LEGAL authority that stipulates an agreement. Please remove it.
Product: Credit reporting or other personal consumer reports

I'm very aware XXXX, Equifax, and XXXX, are Committing fraud against me, fraud is anything that deals with my social security number when I didn't receive any benefit from it, consumer law states that if a company take more Then 30 days to handle a complaint it must be removed form credit report. 15 U.S Code 1681A2AI I'm also a victim of identity theft so in fact these reporting agency of violating the Fair Credit Reporting Act by reporting these fradulelet account that was open in my name XXXX  ACCOUNT # XXXX Date Opened : XX/XX/XXXX  Balance : {$8000.00} XXXX ACCOUNT # XXXX  Date Opened : XX/XX/XXXX  Balance : {$2100.00} XXXX XXXX {$2000.00} {$1300.00} XX/XX/2022 {$1300.00} XXXX XXXX XXXX {$380.00} {$1000.00} XXXX  XXXX {$1100.00} {$380.00} XXXX XXXX XXXX XXXX {$4300.00} THESE ACCOUNTS NEED BE REMOVED NOT UPDATED AFTER YOUR FRAUDLETE INVESTIGATIONS, Securities Fraud is being taken place I will pursue suing if these account are not removed.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleg debt, nor therefore any such debt, in fact therefore exists
Product: Student loan

My federal school loans have been serviced by Aidvantage for approximately XXXX  months. My loans are not showing on my credit report. I asked about this and Aidvantage said they only report to the credit bureaus if I go into default. 

In other words, my credit does not benefit when I'm current on my payments but would get hurt if I stopped making payments. 

Why isn't Aidvantage required to report to the credit bureaus?
Product: Credit reporting, credit repair services, or other personal consumer reports

Here again - another account that was disputed several times with Equifax and it has not been deleted. I filed a 1692g letter with the collector XXXX XXXX and they failed to respond ; furthermore, I called XXXX XXXX and I was told the account would be deleted because I do not owe the money. I paid the doctor way before any collections and I never had any contract or association with this company. Equifax has failed to properly investigate this account under FCRA and XXXX XXXX has violated the FDPCA and FCRA by reporting a debt I do not owe, and failure to respond to a formal 1692g letter.
Product: Credit reporting

I submitted a certified letter to Equifax disputed several account that they were reporting.This letter was received by them on XX/XX/XXXX. I recently received their response, in their response that state that this is an Re-investigation, however, That is incorrect because this is an initial investigation. The accounts in question are XXXX XXXX XXXX # 's XXXX and XXXX. XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX and World Finance account number XXXX. 
Equifax was informed that these accounts are not mine, and asked to submit proof of the verification they have supporting their reporting, which they did not. I have personally requested that These agencies send me verification and they have not, so how is Equfiax verifying these accounts without verification? The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A States I have a right to privacy.

15 U.S.C 1681 Section 604 Section 2 it states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting 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 XXXX  Account Number : XXXX Account Name : DEPT OF ED/XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX 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: Money transfer, virtual currency, or money service

Cash app allowed people to dispute transactions after services were rendered