23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I bought the house XX/XX/XXXX. My mother lived with us due to XXXXXXXX XXXX. In XX/XX/XXXX, she became to sick to care for at home anymore. She went to a XXXX XXXX and within 3-4 passed away due to neglect of the XXXX XXXX. During that time, not only did we lose the extra income, but I was responsible for the payments of the home and then the funeral. We had also be doing some home renovations that had to be completed. 
In XXXX XXXX, I spoke to a rep at Flagstar to have see what my options were for the missed payments. They placed me on a short-term repayment plan. I was scheduled for payments to start on XXXX, and would auto-draft from my account. At the beginning of XX/XX/XXXX, I noticed the first payment had not posted yet. I called and was told that the banking info was not entered correctly and it defaulted my payment plan. They would not get the correct info and try to draft. I was not qualify for a repayment plan then. I would have to apply for loss mitigation. 
I started the loss mitigation process with Flagstar in XX/XX/XXXX. I filed my documents on their website on XXXX. They were due on XXXX. When I called to make sure they received, they told me I did not get them in on time and I would have to start the process over. 
XX/XX/XXXX started over. XXXX was due on XXXX. Uploaded to their website on XXXX. Called Flagstar that day and spoke to rep who stated I would need a letter explaining some of my income. Uploaded the letter while on the phone with rep. 
Received letter from Flagstar end of XX/XX/XXXX stating that I had been approved for a trail plan. They had raised my interest rate from 2.375 % to 5.25 %, note from {$1300.00} to {$1500.00}. I spoke to rep on XXXX. I explained everything all over again and asked how I was supposed to pay XXXX XXXX  if I could not afford XXXX XXXX She spoke to someone in loss mitigation who stated that there was nothing they could do. I could appeal or start another loss mitigation. 
I uploaded that same day a letter of appeal. Did not hear back again until XX/XX/XXXX a letter stating that the appeal for a loan modification program had been denied. 
The next thing I receive is a letter from lawyer/collections. I have since then been sent foreclosure notices. I have retained a lawyer who stated that Flagstar has been apart of multiple lawsuits for not helping in these types of situations.

Flagstar has purposely delayed because it means more money if they go to foreclosure than it would if they approved a loan modification.
Product: Credit card or prepaid card

I was out of town in XX/XX/XXXX for my birthday only used my card to rent a car and at XXXX XXXX. Capital One sent an email to state that there was suspected fraud on my card which in fact it was. I live in XXXX was traveling in Virginia a supermarket in New Jersey tried to put through a charge for {$100.00} I let Capital One know the charge was fraud, they shut down my card credited the amount back I was just waiting for a new card. I had the new card number and tried to pay a bill but was declined when I knew I had the funds. contact the bank only to be told two different stories. The first is that the recent payment I made was on hold, then that the fraud credit was on hold. I reviewed me account to find out the merchant adjustment the charge on XX/XX/XXXX capital one sent me a letter date XX/XX/XXXX stating they were refunding my account to get it back to normal needless to say they are still holding my money. They have been made whole again I was told they have the right to hold the funds for up to 60 days BUT why when you have been made whole as a bank and are holding my funds for no apparent reason. If they want to investigate the merchant that fine, just remove me and my funds from the matter.
Product: Credit reporting or other personal consumer reports

To Whom This May Concern, With respect to Chapter 41 : 15 U.S. Code 1681, I, being a consumer, am entitled to a accurate and complete consumer report. According to my consumer report generated on, XX/XX/XXXX, there are some inaccurate, not applicable, fraudulent personal information listed. This letter serves as an initial attempt to have my personal information amended to what is correct and truth standing. 

Please remove the following address : XXXX XXXX  XXXX XXXX XXXX, GA XXXX
Product: Credit reporting or other personal consumer reports

This account has been settled in 3 payments, which continental finance agreed to for the settlement. The last payment is being made next month, but they still keep reporting it derogatory/delinquent. I continue to dispute it, and nothing changes.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct. XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I am adding and update to case # XXXX. My mother received in the mail a notice that since she had stopped payment on the $ XXXX+ check presented to XXXX XXXX and that they were now charging her a late charge of {$25.00}. Obviously, the fraud investigation unit has not informed any other dept of what they are doing. She gets very upset trying to talk to them, and they will not talk to me, so I told her to her to pay any legitimate charges on the card, and not pay the disputed amt. I also would like you to feel free to publish the issues of this complaint to others, as I feel this is not an isolated incident. Would like to know if this has or is happening to others.
Product: Credit reporting

IRS lien filed on same date as paid. XXXX/XXXX/2010. Lien should not have been filed. In any event in the best interest of all parties this item should be removed
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, Citigroup announced that it was " setting restrictions on the sale of firearms by its business customers ''. This is a coercive move made to discourage their business customers from dealing in completely lawful transactions. 
This action by Citigroup will not just result in financial harm to the merchants affected, but will also negatively impact the civil rights of American citizens in the exercise their 2nd Amendment rights.

That a company, after having received a massive bailout from the taxpayers, can ignore the constitutional rights of American citizens and inflict financial damage on their commercial customers is an outrage and must be stopped!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX sent a letter referencing information I should have received about servicing enhancements. The referenced information was never received. As a result of " Servicing Enhancements '',  XXXX created new loan numbers that were credit reported in addition to the original loan numbers. Consequently, the addition of the new loan numbers had an adverse effect on my credit score and rating. I am currently in the process of obtaining a home loan. Due to the negligence of XXXX XXXX XXXX XXXX XXXX incorrectly reporting 4 accounts to the credit bureaus, including 2 original accounts and 2 new accounts, the adverse effect of the new loan numbers negatively interfered with the home loan process. Thus, I requested immediate removal of the new loan numbers from my credit. Additionally, due to the damages caused to me from the negligence of XXXX XXXX XXXX XXXX XXXX, I requested our relationship be terminated immediately. I offered to settle the original accounts with immediate removal of the all accounts from my credit to release XXXX XXXX XXXX XXXX XXXX from the damages caused by negligence in unauthorized new loan numbers and credit reporting. XXXX XXXX, XXXX Representative, has been rude and has not resolved the issue. After sending him documentation of the adverse effects to my credit and a resolution letter, he maintained that the company " reported correctly '' and the company rejected the offer to settle.
Product: Credit reporting, credit repair services, or other personal consumer reports

A bankruptcy is being reported in my name from  XXXX   XXXX     2010  and this information is not correct.   I have confirmed that the court system does not report this information.
Product: Credit card or prepaid card

Citibank BestBuy card just added over {$1000.00} worth of interest fees to my account. After notifying them of the financial difficulties I have experienced during this pandemic. I've been out of work for several month due to contracting Covid and I also loss several members of my immediate family to covid. I attempted to reach out to customer service regarding this matter and no one from that company was willing to help me. I was even denied to speak to a supervisor when requested. A copy of this complaint has also been sent to the Attorney general 's office.
Product: Credit reporting or other personal consumer reports

I disputed incorrect information on my XXXX report, requested a full investigation and a deletion of the incorrect accounts but did not receive any. Although I provided all the necessary information required by law on my part. 

XXXX has REFUSED to reinvestigate my disputes even though in their letters it clearly states that I have the right to dispute the incorrect information on my report. Under Section 611 of the FCRA, consumers have the right when it comes to disputing items on their XXXX reports. Section 611 is often referred to as the " Reinvestigation of Disputed Information '' section. XXXX has refused to follow this law and reinvestigate the submitted dispute. I did contact XXXX by phone to understand these issues but the representative hang up the phone on me mid conversation. They also sent me a letter on XX/XX/2023 and 3 days later claimed that the letter was sent out by error in another letter. 

In accordance with the Fair Credit Reporting Act The accounts # XXXX/ACCT # : XXXX / XXXX and XXXX/ACCT # : XXXX / XXXX have violated my rights. 

15 U.S. Code 1681c2 - Block of information resulting from identity theft. ( a ) Block 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, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

15 U.S. Code 1681 section 602 A. States I have the right to privacy. 15 U.S. Code 1681 Section 604 A. section 2 : Also states a consumer reporting agency can not furnish an account without my written instructions. If XXXX can provide any exceptions to this section of the law then they shall provide me with a clear reasoning. 

I request color copies of my Identification including my Social Security Card used to open these account. 

If XXXX can not satisfy any of these requests or follow any of these consumer laws, then these incorrect items must be deleted and blocked from my file.
Product: Mortgage

I recently attempted to purchase my dream condo with the lender USAA. Consequently, the lender refused to honor both a verbal and written 45 days " Lock-In-Agreement. '' Instead of honoring the agreement, the company attempted unsuccessfully to change the terms. They increasingly became irritate about the situation and started falsely accusing me of not providing the information that they requested in an attempt to get out of the agreement. When that attempt did not work, they instructed me that I need to withdraw my application -- an application that they later admitted did not exist. I was unsuccessful in my goal to purchase the condo due to the company refusal to honor the " Lock-In-Agreement. '' Is there anything that I can do about the situation other than just complaining to your organization or suing? Please help. Thanks.
Product: Money transfer, virtual currency, or money service

On XX/XX/19 my dad requested XXXX from his son in law via  Pay Pal. So his son in law sent it in a hurry and couldnt figure out how to send via family and friends so he just sent it as a transaction. My dad barely set up this account. This was the second transaction. It was set up so we could send him money. So Paypal flags his account for suspicious and possible hazardous transaction and sale and accuses him of having all kinds of transactions and activity. Now they wont allow him to remove the money or send it back. If he accepts it he has to give his social security and drivers license. Paypal isnt a bank. We simply were passing money from his son in laws account to my dad 's via paypal because they dont have the same banks. My dad sold nothing nor is he giving his social or DL # my dad is XXXX and for them to accuse him of such things is dangerous considering the penalties for them. Now they said since he wont comply he has to wait XXXX  days to get it and even then they will force him to get paypal cash which he doesn't want. He just wants to send the money back and close the account. He hasnt accepted the transfer its in Paypals hands still. They dont comprehend this wasnt a sale and my dad is XXXX i dont know if he has XXXX  days. Then they refused to work with me even after I told them I had XXXX and my XXXX couldnt XXXXXXXX I was willing to show documents and still they refused
Product: Credit reporting or other personal consumer reports

After filing a report with the CFPB on XX/XX/XXXX. XXXX XXXX placed negative information on my credit dropping my credit score XXXX points on XXXX. And caused a decline on my XXXX credit report as well. I have not applied for any new credit accounts in over 6 months. I am only forced to report that the recent drop on my credit score is out of retailation for filing a report against the company to the CFPB. After applying back in XXXX of XXXX, and receiving that loan without incident. XXXX XXXX XXXX XXXX maintained that account in active status and fully utilized the benefits of my signature on the Promissary Note with the Federal Reserve. And fully utilizing each new application after XX/XX/XXXX. I was denied credit approximately XXXX times for credit. Credit that would not exist without my electronic signature. Credit that according to 15 USC 1691, I can not be denied or discriminated against for any reason. But I have, and retailiated against for reporting to your agency.
Product: Credit card or prepaid card

This is a follow up to complaint XXXX I supplied Citi with sufficient information to process a dispute with a merchant. Citi delayed months on this complaint ; there were constant struggles getting the investigator to reply. Nevertheless, Citi 's delays were jeopardizing the ability for the dispute process to occur through Visa. Finally, after submitting a complaint from the CPFB - Citi responded with a letter ( which CFPB was in cc ) stating that their executive office would be proceeding with the dispute and the merchant had 45 days to respond but to allow them up to 60 days to communicate any next steps or merchant responses.

On XX/XX/XXXX ( 60th day from the date of the letter ), I contacted Citi to find out if the merchant had responded. The letter clearly states that if there is no response by the merchant by 60 days, the credit would become permanent on my account.

On that phone call, Citi informed me that they had forgotten to submit the dispute and they would be getting back in touch with me about " writing off '' the debt since they clearly neglected to follow the steps they stated in their letter. I have a voice mail saved from their executive office that I would have a phone call with an answer by close of business tomorrow ( XX/XX/XXXX ). I've never received that call and have placed 15 calls since then at various times of the day - so far, I have left 3 voice mails with no reply.

On XX/XX/XXXX, I received a letter in the mail that I have also attached to this complaint. This letter was dated XX/XX/XXXX ( after the 60 day expiration ) - it now states that they will be working with the merchant and will let me know the reason if they can not get an agreement for a refund. Obviously, this letter contradicts the first letter and demonstrates egregious neglect and/or abuse of a process that I was entitled to when I signed up for the terms of service with using their card.

The CFPB feedback window on the first complaint expires in 60 days from the date of the original complaint ; therefore, I was unable to add these follow up action details. By filing a new complaint and making the CFPB aware, my hope is that they were not able to slide through the first complaint to seemingly comply and satisfy the issue.

My consumer abuse experience is evidence that the lack of action for my qualified dispute is a clear breach of their cardholder rights under the terms of service offered when I signed up for the card. Depending on the response to this complaint, I have been requested to submit all compiled information to the Attorney General 's office for actionable review.
Product: Student loan

In XX/XX/XXXX, I called Navient to discuss my repayment options. I was already in a program where I paid so much for 6 months and I was told to call back after the 6 months to reapply. I did this, but was told it was to early. On XX/XX/XXXX I called again because a Navient Costumer service person told me about a program to lower my payments ; i would have to call and answer some financial questions as well as my co-signer. I called to do this, but I was told I was not eligible to apply for any more repayment options because I had used them all up on my account. I don't see how there should be limits, I cant make the full monthly payment due to financial hardship, and they would not help me. 
On another matter, when I look at my account on their website, I get conflicting information about how much i need to pay. One section says I have to pay {$110.00} and another section lists that the amount due is {$41.00}. It is very confusing and I have called to get this corrected, and every time I call, I'm told it will get fix but it never does, so when i log on, I see a past due amount even though I paid what was told to me. 
This is very frustrating and I hate that I can't consolidate these private loans or get a straight answer or any help to lower my payments because I can't pay the full amount. I even tried to get on the forgiveness program because I work at a university ( public service ).
Product: Debt collection

On XXXX XXXX, 2017 I received notification from the credit bureau about a past due balance of {$4200.00} for the breaking of a Lease by XXXX XXXX/ XXXX . I received no notification in the mail from either party. I received no right to dispute from the collection agency, and they immediately hit my credit. So I called the number listed on my credit report and spoke to a XXXX XXXX. After asking him to provide documentation of the debt, he raised his voice, told me I just do n't want to pay my debt and hung up on me. I called back and asked for his manager. She spoke to me in the same tone, however agreed to send me paperwork in the mail. Once I received the letter just stating the amount owed, paperwork from XXXX stating it would not be sent into collections until XX/XX/2017 ( paperwork which I have ) and a unsigned letter from XXXX stating the balance owed, I called XXXX XXXX back on XXXX XXXX,2017. I told him I will pay what I can when I received my bonus from work in XXXX. Flash forward to XXXX XXXX, 2017. I called XXXX XXXX to let him know I would be paying for the debt my next pay period with my bonus. He stated verbally the settlement amount was for {$2100.00}. XXXX XXXX called me on XXXX. I stated I would mail him a check for the amount of {$2100.00} and he told me that is no good. I have to pay by phone know in order to settle. That as of XXXX XXXX 2017 that settlement price may go up. I want to settle the account for the amount they told me and the only way I can pay is VIA check. I called back and paid and settled the debt. ( I have documentation. My credit should of never been hit. I have a letter from XXXX showing I had until XX/XX/2017 to pay the balance. It is now settled and it is still showing on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've repeatedly requested that   XXXX   and Transunion correct my credit report related to the  XXXX   XXXX  Account. This account was paid-off as agreed on  XXXX   XXXX ,  XXXX  ( see attached documents ). However,   XXXX   still reflects and inaccurate collection status in  XXXX  of  XXXX , in  accurate written off $ amount/status, and an inaccurate " Date Opened ''. Transunion still reflects an inaccurate Charge Off amount, inaccurate Date Closed, and Terms. Regardless of the evidence I present, the account has been reporting now inaccurately for almost two years.
As a result of the above, this account continues to damage my credit score with inaccurate reporting by  XXXX  and Transunion and preventing me from securing a refinance on my mortgage.
I respectfully request that this account be DELETED immediately per the Fair Credit Act.
Thank for your assistance in this matter.
Product: Credit card

I have a credit card with Discover and for the past 3 months I have been fighting with them about fraudulent charges made on my account. 

Since the fraud my card has been locked and more purchases keep appearing on my account! From the same XXXX merchant! They wont give me details on the merchant and XXXX wont help me since it wasnt purchased under my account! 

The amount of purchases has now set me into an overdraft and has affected my credit scare by XXXX points which is a horrible outcome considering my marriage later this year. 

The charges include but arent limited to : XXXX ) Sunday, XX/XX/XXXX ( the first fraudulent charge, reported immediately ) for XXXX to an XXXX merchant. This charge was returned to my account and verified as fraud. I chose to lock my card. I didnt bother getting a new one as I was going to pay off Discover and close my account as this isnt the first time this has happened. 
XXXX ) Sunday, XX/XX/XXXX. Another purchase made to XXXX for the SAME total. XXXX to the same merchant. This was reported and fixed on XX/XX/XXXX when I requested a new card anyway for added protection this time while keeping my account frozen. They refunded the total. 
XXXX ) Monday, XX/XX/XXXX. Despite a new card completely and a frozen account my credit card was charged XXXX XXXX to the SAME XXXX merchant. I have not yet even received my new card and the purchases are being made.
Product: Debt collection

we have been making payments every we have gotten behind and have not been able to catch up.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had fraudulent account on my report.Please remove this account from my report they are hurting my hability to obtain credit.