23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

my wife lost her job I missed a pymt. the mortgager called ask what was going on they said the would give me a Forberance for a year then when the year was up we would do a Loan Mod. as of XXXX of 2015 been putting in apps for a loan mod it takes like almost 3 months per app and I was denied everyone of them! its like they told me it was a done deal that I would get a mod that the only reason I did the forbarence! then in XXXX of 2015 after the last denial, and they do not accept pymts when I 'm trying to get a loan mod!! they Tell me that they were sorry But I was ever even Eligible for a Loan Mod!!!! so now they want {$9500.00} in Full plus what ever other charges they have!! I think this whole thing was wrong what wells fargo did to me!!
Product: Credit reporting, credit repair services, or other personal consumer reports

i have disputed the inquiries with Transunion several times. these are not my inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21, XX/XX/21 and XX/XX/21 and XX/XX/21, I requested that XXXX provide my with the name and information of the reporting agency who provided them with a verification for a bankruptcy that they have listed on my XXXX credit report. All 4 times XXXX responded that LexisNexis Solutions provided them with such information. I then ask LexisNexis whether they provided XXXX with a method of verification and LexisNexis does not have any record of a bankruptcy on my report. I then requested that XXXX removed the inaccurate bankruptcy on my report and XXXX refuses to do so. Per the Fair Credit Reporting Act XXXX has to remove any inaccurate information and must be able to provide me with the information of me having a bankruptcy on my report. I would like an investigation to LexisNexis and XXXX and request that LexisNexis dispute that they verified a bankruptcy to XXXX.
Product: Credit card or prepaid card

As a longstanding Citibank client, I'm deeply disappointed with my experience. While on vacation in California, my card was declined during a purchase. I called customer service, disputed the charge successfully, and went through identity verification. However, the next day, the card declined again and again, four days in a row. 
During my most recent interaction to solve this, I was asked irrelevant questions about additional accounts, including an account number I couldn't recall. I am on vacation and it is difficult to retrieve random documents unrelated to the issue at hand. Despite providing the necessary verification information, the representative declined it all and disregarded me, instructing me to visit a branch for information retrieval. He took my phone number and promised he would call me back. After a half-hour trip to the branch, I discovered it was closed, and my card was already retained with a letter dispatched to my mailing address. He did not call or tell me that all branches were closed for XXXX, even though he knew. This abuse of authority was unacceptable. 
When requesting to speak with a supervisor, I encountered dismissiveness, confrontational behavior, and arrogance. Despite my attempt to clarify the actions of the previous representative, she aggressively disregarded me and instructed me to get the letter, even though I can not retrieve it. Although I provided accurate responses to all verification inquiries, the representative declined to offer assistance and terminated the call. 
Subsequent attempts to contact Citibank resulted in the phone being hung up in my face, as if trying to humiliate me. The disregard for customer concerns and the air of superiority displayed by Citibank 's representatives are unbelievable and disgusting. It's disheartening to witness such a negative reputation and a lack of empathy from a renowned institution.This is the promise of Citibanks customer service- do not help your customers, no matter what.
Product: Mortgage

Complaint Description : During the loan origination process, the Guaranteed Rate Loan Officer guided us to take a higher loan balance in exchange for a lower interest rate, based on a promise that Guaranteed Rate Servicing would allow a recast of our loan immediately after closing. This misrepresentation, and misleading guidance along with the false promise that Guaranteed Rate Services would allow a recast was confirmed both verbally, via email, and via text message. All documentation is attached. Following our request to recast after closing ; The Guaranteed Rate Loan Servicing department stated they will not allow a recast due to requirements from a private investor, they have also stated Guaranteed Rate does not have plans to transfer our loan to an investor that would allow for a recast. The above events have resulted in a negative financial impact, and undue stress to our family. Guaranteed Rate is a Independent Mortgage Bank operating Nationally ; they have a local branch here in XXXX, however they are headquartered in XXXX, IL. The Mortgage XXXX XXXX is licensed in the state of XXXX under XXXX # XXXX. 

Steps Taken to Contact and Fix the Issue : So far, I have escalated our concern with Guaranteed Rate 's customer advocacy department, where I was connected to XXXX XXXX XXXX ( XXXX ) XXXX ext XXXX. I shared all of the documentation with her on XX/XX/XXXX, she then followed up via phone on XX/XX/XXXX stating that after reviewing the information with management, they are not willing to offer a recast as promised or any type of resolution. Our complaint has since been referred to XXXX XXXX, Regulatory Response Analyst at Guaranteed who has stated Guaranteed Rate is working toward a solution, however, we have not yet received any commitment or a proposed resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd attempt to get this matter resolved. I've submitted previous complaints with the CFPB & you claim I'm submitting the information for someone else. I have no clue what in the world you're trying to accomplish by ignoring my request but it's just creating additional emotional & physical distress. The 3 Credit Bureaus has failed to comply with Fair Credit Reporting Act ( FCRA ). The disputed account was reporting to my credit file held with 3 Credit Bureaus. This account were opened fraudulently. I informed them of the issue & provided them with the required documents to correct the account via FCRA Section 605b. They have failed to correct the account, additionally they have failed to provide me with any legal contract to reflect I was the one who opened the accounts. I need this account to be corrected from my report ASAP : XXXX XXXX XXXX XXXX Opened XX/XX/2020 Balance : {$10000.00}.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. 
I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the XXXX data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach : EXPERIAN Account Name : XXXX XXXX XXXX XXXX Account # : XXXX Balance : {$1600.00} Date Opened : XX/XX/XXXX Account Status : Closed Account Name : XXXX Account # : XXXX Balance : {$910.00} Date Opened : XX/XX/XXXX Account Status : Closed Account Name : XXXX Account # : XXXX Balance XXXX {$320.00} Date Opened : XX/XX/XXXX Account Status : Closed Account Name : XXXX Account # : XXXX Balance : {$970.00} Date Opened : XX/XX/XXXX Account Status : Open Account Name : XXXX Account # : XXXX Balance : {$640.00} Date Opened : XX/XX/XXXX Account Status : Closed Account Name : XXXXXXXX XXXX XXXX  Account # : XXXX Balance : {$1000.00} Date XXXX XXXX XX/XX/XXXX Account Status : Open UNAUTHORIZED INQUIRE ( S ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I received a Final Dispute Resolution and Updated Credit Report from XXXX confirming that the XXXX XXXX Account # XXXX was deleted from my credit file via Report Number XXXX. I previously submitted an FTC Identity Theft Affidavit, Police Report, Letter and Proof of my Identity to XXXX via XXXX Mail and Experian Uploads to request an Identity Theft Block of this information in under FCRA XXXX. On XX/XX/2024 Experian violated FCRA and reinserted the previously deleted Capital XXXX Account on my XXXX XXXX XXXX with no notice and violated XXXX XXXX XXXX XXXX ( XXXX ) ( XXXX  ) ( XXXX ) ( XXXX ) in which I am requesting payment of {$1000.00} as well as the block/removal of the XXXX XXXX  XXXX XXXX that was previously deleted on XX/XX/2024 and reinserted in XX/XX/2024. I am not requesting any opening of disputes. I am NOT requesting any blocks or fraud alerts or freezes to my credit file or any retaliation from Experian preventing access to my credit file as I need ongoing access to monitor my credit. This XXXX XXXX account is only being reported by Experian as XXXX and XXXX have complied and this fraudulent account has been deleted. The XXXX  XXXX  Account # XXXX has not been reporting on my Experian XXXX XXXX prior to XX/XX/2024 as it was previously deleted and needs to be deleted again.
Product: Credit reporting or other personal consumer reports

I have information showing on my credit bureaus saying I have delinquent accounts that I included in a bankruptcy. I filed a bankruptcy in XX/XX/XXXX and it was fully satisfied and completed by XX/XX/XXXX. I will list out the mistakes that need to be corrected. 

XXXX ) credit card XXXX XXXX XXXX  claiming I was delinquent XX/XX/XXXX. This account was never delinquent. I am guessing they decided to report me delinquent since I filed bankruptcy. As you can see from Equifax, the account had a XXXX balance, nothing owed. 

XXXX ) XXXX XXXX XXXX claiming I was delinquent XX/XX/XXXX. This account was never delinquent. It was paid fully as agreed and had a XXXX balance at the time of my bankruptcy filing. 

XXXX ) XXXX XXXX claiming i was delinquent XXXX and XX/XX/XXXX. This was a home equity loan that I paid in full and never had a single late payment. 

XXXX ) XXXX XXXX claiming I was delinquent on my auto loan XX/XX/XXXX. This account was all ready paid in full with XXXX balance. ( XXXX XXXX and XXXX XXXX are related ) I flied bankruptcy because I had no choice. I had a business partner who cleaned out our business account and ran off with {$400000.00} and left me on the hook to pay bills with no funds or income. I used what remaining savings I had left to make sure my creditors were paid on time, so I take it very personally that these creditors are reporting wrong information about me. I did have a few accounts that became delinquent that I did include in the bankruptcy, but NONE of those accounts are the XXXX listed above. Those XXXX above were paid PERFECTLY. I have not received any PROOF from the creditors documenting my late payments/delinquencies. I was under the impression from Equifax that if the creditors could not provide solid proof of the delinquency, that they were required to correct my report. Equifax did not get this proof from the creditors and simply sent we a response saying that the creditors say the info is correct. Filing bankruptcy was a low point in my life and I fought very hard to not have to go that path. At the very least, I expect the creditors that I paid perfectly to honor their obligation and report my payment history correctly. I feel they are taking advantage of my bankruptcy and " piling on '' to cause damage to me. I request that the CFPB hold them accountable for the damages they have caused me and force them to correct the credit reports at all 3 major bureaus. Thank you!
Product: Debt collection

In XXXX, I was sued by XXXX XXXX XXXX  ( XXXX ) for two loans originally taken out with XXXX XXXX in XXXX. They were represented by XXXX XXXX XXXX of XXXX  XXXX, now XXXX XXXX XXXX XXXX. XX/XX/XXXX. Through my attorney, we settled for a lower amount, and I entered into a payment arrangement of {$200.00} per month for 84 months, starting in late XXXX. My last two checks to XXXX were not deposited, and before I made a third, I called them on XX/XX/XXXX. They told me that my accounts with them had been closed in XXXX because they were no longer allowed to collect debt outside the state of Virginia, and that my accounts had reverted to XXXX. But they could not provide me written documentation of any of this, and said they could only tell me verbally. One year later, I have still not received any written notification from XXXX  or XXXX XXXX XXXX, which they also mentioned on the phone.
Product: Credit card

Discover abruptly closed my secured card, on the very month it was going to be moved to unsecured and my security deposit refunded. They claimed I did not prove identify verification and also claimed they sent me emails, I even asked the date they supposedly sent these and I did not recieve XXXX notice or request of information from them. They have also kept my security deposit, and continued to try to take a final payment from my account ( attempted to process a few times, when I had already paid the account in full. ) I was told I would get my deposit back in the mail but it looks like the absorbed it, by taking {$150.00} from a payment that failed ( because I no longer owed them ) they added a new {$150.00} balance to my account and seemed to have pocketed my deposit. This tanked my credit score, and it is all too convenient that they did this after I complied with the XXXX  months of good payment history.
Product: Credit reporting or other personal consumer reports

I am aware that you have been responding to many of the disputes, complaints, and challenges with pre-written standard form letters, despite the precise information consumers have provided. I am well aware that this is ILLEGAL ; as each consumer dispute must be addressed individually and dealt with by its particular merits. My letters have been written and generated using accessible software that is available to everyone. If you choose not to process or address my letters, you are violating 15 U.S. Code 5 1681i. It is against the law to delay the processing of letters from consumers based on the assumption that assistance from a third party may be available. This does not qualify as a legal exception. I am the sole author of any letters bearing my name, or they have been written by my advisors with my complete knowledge and consent. I understand that there is no requirement for you to request a Power of Attorney to delay processing consumer letters. If you fail to process my letters promptly, I will consider it as a deliberate disregard for my consumer rights. In such a case, I will be compelled to contact my attorney and pursue legal action. According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of XXXX XXXX data file reporting, I have the right to dispute any information on my credit report that I believe is not correct. All data included in a consumer 's file must be properly documented and validated before it is made available for use by creditors. Therefore, I take this matter seriously. The allegations of delinquency and derogatory information against me are entirely false, I won't stand for any misinformation being associated with my name and financial history and I am determined to FIGHT back with ALL my strength! The accuracy of your credit report is crucial. The allegations listed do not meet the federal or state requirements for reporting and can not be substantiated. I challenge these claims due to their failure to comply with basic reporting standards, which would provide me with greater confidence in the accuracy of the information presented. It is your responsibility to maintain and report data with complete accuracy and compliance. You must not report any claims that you know do not meet regulatory requirements. We must ensure all claims are accurate and reported in the appropriate format as mandated by the Fair Credit Reporting Act ( FCRA ) and reporting standards such as XXXX XXXX. I kindly request that you handle this matter with utmost care and diligence. 

Heres the list of the questionable items : XXXX - Account XXXX Please remove it from my credit report. 

XXXX - Account XXXX Please investigate and delete it from my credit report.
Product: Student loan

1 ) Six of my loans with Navient recently had cancelled amount reflected on my XXXX account. When I checked my Navient account I noticed that these cancelled amount were reflected as refunds but also the amounts were inaccurate. For example, my XXXX  loan with Navient is loan # XXXX on my XXXX but when I look at the account history the {$870.00} cancelled amount is reflected as {$150.00}. Why I have no idea because those amounts do not even come close to matching. 
2 ) Another thing I noticed on my XXXX is that time that I was in a forbearance or deferment period Navient has late fees charged to my accounts. This issue is actually something I previously complained about being incorrectly reported on my Credit report, and even though that was cleared up they are still not reflecting on my actual account with Navient. 

3 ) When I requested that my account be review and I would provide documentation I was instructed via email to call customer service. I do not feel comfortable talking on the phone addressing these issues as I have told them in all of my communications with them, I believe having a paper trail with a company I do not trust is better than talking on a recorded line.
Product: Checking or savings account

The last time I saw my daughter she refused to return me home until we went to my bank so I could write her a check for {$18000.00} on Monday, XX/XX/2023. She picked me up at XXXX XXXX for a quick breakfast. She dropped me off at home just before XXXX XXXX. I will never again visit with my daughter one on one. 
My son, took me to the same bank branch Tuesday, XX/XX/2023 to file a stop payment on my daughter 's check. The PNC agent who took my completed " stop payment '' form said {$18000.00} would get re-deposited if my daughter still held the check. We were back home by XXXX XXXX. We later learned my daughter first presented the check the next day, XX/XX/XXXX, at XXXX XXXX. 
Shortly after XXXX XXXX on Wednesday, XX/XX/2023, XXXX XXXX called my phone announcing a recorded conference call with my daughter, and a PNC agent on the call. In five minutes I was twice asked if I really wanted to stop payment on the XX/XX/XXXX check. I answered " yes stop payment '', both times. My daughter asked me why and I told her she lied about her need for the money because her car ran well. She drove me to breakfast on XX/XX/XXXX in the car she said she could no longer drive for a disabled transmission. 
PNC NEVER KEPT IT'S STOP PAYMENT WORD!!!. 
The first time I asked PNC told me my daughter 's actions initiated PNC 's internal investigation that should conclude with a re-deposit. In XX/XX/2023 I closed my old PNC checking account and opened a new one because my daughter had withdrawn {$6000.00} in XXXX without telling me. The second time I asked in mid-XXXX I learned my daughter actually received {$18000.00} and I needed to engage PNC 's customer care center to receive the funds thereafter. We phoned and emailed PNC 's customer care agent daily until Friday, XX/XX/2023 when her supervisor told me I would not receive a re-deposit. 
PNC branch knew of my daughter 's changed behavior from my changed checking account earlier this year. Can anyone trust PNC with their life 's work represented in their savings and retirement? 
I believe my daughter worked with someone at PNC to get her criminally fraudulent way. Can my daughter get arrested for this fraud?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted several times to resolve this matter directly with the furnishers but never received the courtesy of a reply or any communication from them whatsoever. Therefore, I will be instituting legal action against each for violating Title 15 U.S.C. 1681i, also known as the Fair Credit Reporting Act ( " FCRA '' ). 
In any event, I request you delete these inquiries in to ensure that my credit report is accurate and correctly and fairly reflects my creditworthiness. As I am sure you are aware, the FCRA provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance of violations of its provisions. More specifically, as you likely are aware, Title 15 U.S.C. 1681n & 1681o provide for, among other things, punitive damages and attorney 's fees. 
In any case, in light of the above, your continued unwillingness to abide by the FCRA can no longer be tolerated and any further willful noncompliance, and failure to promptly resolve this situation will leave me no choice but to commence legal proceedings against you for your unjustified actions. 
Lastly, pursuant to Sections 1681i, subdivisions ( a ) ( 6 ) ( A ) & ( B ), demand is hereby made that you provide me a copy of my report, reflecting the results of your reinvestigation " not later than 5 business days after the completion of the reinvestigation. '' Federal Law states that you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is also hereby requested, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.

XXXX XXXX XXXX express Inquiry date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX/XXXX/XXXX XXXX XXXXInquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX  Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Credit XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX XXXX- Inquiry from XX/XX/XXXX + Credit Union XXXX XXXX Inquiry from XX/XX/XXXX + Credit Union XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + Bank Equifax XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + All Banks XXXX XXXX Inquiry from XX/XX/XXXX + Credit Unions XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + All Banks