23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

LOAN ID # XXXX I would like to share with you and file formal complaint regarding my experience during refinance with Citizens Bank. 

I started my application online around XX/XX/XXXX. On XX/XX/XXXX, I received welcome letter, and on XX/XX/XXXX, I received Loan Estimate. Considering I provided all necessary documents and permission to run my credit report before XX/XX/XXXX, but still Loan Estimate took up-to XX/XX/XXXX, to be issued, which is already in RESPA violation. 

My initial loan officer was XXXX XXXX, who periodically called me with assurances everything is going smooth, and we are on schedule to close soon. Since day one, I was sending emails, made calls with request to order immediate subordination of my HELOC loan, and order the CEMA. I new those two documents may take from 6 to 8 weeks to get. But my loan officer told me everything is under control. 

In the beginning of XXXX of XXXX, I started to leave voice messages and sent emails requesting with the status update. To my surprise, my loan officer already left Citizens Bank and join another bank. I never got any notifications who will handle my loan. 

I finally manage to get his manager XXXX XXXX, he also assured me that new loan officer assigned, and will give me loan status by the end of the day. That was on XX/XX/XXXX, as of today, XX/XX/XXXX, I am still waiting. 

It is impossible to get anybody on the phone, and even public number for corporate headquarter is not working. 

I found this very strange and annoying the way to treat customers. 

In addition, I am XXXX XXXX XXXX, and feel I got age discrimination and unwillingness by Citizens Bank to provide me with the services and new loan approval. 

This Citizens Bank employees misconducts create me financial burdens since I am still paying higher rate. In addition, if they would not be able to close my refinance I will have financial damage over {$150000.00} due to my current rate, new rate I was quoted, and terms left on my current loan. I am strongly feeling this misconducts may have legal consequences, and should be answered appropriate. 

I am requesting Citizens Bank to provide me following information : 1. Date when subordination agreement was ordered ; 2. Date when CEMA was ordered 3. Point of contact who can provide me with weekly status update I hope my experience will be addressed properly, because I do not believe any customers deserve this. 

Respectfully,
Product: Student loan

on XX/XX/XXXX i received an email from the U.S. Department of Education which stated ; XX/XX/XXXX Dear XXXX XXXX : Subject : Student Loan Discharge Based on Borrower Defense Evidence The Department of Education ( " Department '' ) has determined that the loan ( s ) you received to attend a school owned and operated by XXXX XXXX XXXX from XX/XX/XXXX through its closure in XX/XX/XXXX are eligible for full loan discharge. This means the remaining balance on the loan ( s ) will be forgiven. You do not have to make any more payments on the loan ( s ). 

Your loan ( s ) will be discharged as part of a Department action ( " Group Discharge '' ) to discharge all outstanding loans for attendance at XXXX XXXX XXXX that first began from XX/XX/XXXX through closure in XX/XX/XXXX after finding that it engaged in widespread misconduct that violated state consumer protection laws and/or made widespread substantial misrepresentations about its educational programs, both of which are grounds for borrower defense to repayment under the borrower defense regulations ( 34 C.F.R. 685.206 and/or 685.222 ). The Department is discharging your loans without requiring you to file an application because of the pervasive and widespread nature of the school 's conduct. 

You also may receive a refund for prior payments made to the Department on your discharged loan ( s ) related to XXXX XXXX XXXX. Your servicer will let you know if you are eligible for a payment refund, which would be mailed to you. Please check your online account with your loan servicer to ensure your address is correct so you can receive any refund. Otherwise, you do not have to take any further action to receive your discharge. Your credit report will also be updated to reflect this discharge when it is complete. 

If you do not wish to accept this discharge, please contact your servicer within 30 days of receiving this letter. 

It will take the Department some time to process your discharge. Until the Department completes its work, your eligible loan ( s ) from XXXX XXXX XXXX will remain paused in forbearance/stopped collections, and we will not ask you to resume making payments. If your loan ( s ) are in default, we will not attempt to collect on the loan ( s ) being discharged. If you have other loans not covered by this group discharge, you will enter repayment and/or collections when the national pause on student loan repayment and collections ends. 
_____________________________________________________________________ Since this email my student loans were moved from XXXX to Mohela- without my authorization. i have called and worked with Mohela for months/years now to get these loans discharged and they continue to say that they have nothing to do with it. the US Department of Education would do that. I call the US Department of Education and they tell me the issue would be with the loaner provider ( Mohela ) I have been playing this XXXX XXXX XXXX ever since and haven't gotten anywhere.
Product: Credit reporting or other personal consumer reports

I am writing to express my profound disappointment, anger, and disbelief regarding your handling of the fraudulent account that has appeared on my credit report. Despite my numerous attempts to resolve this issue and my diligent submission of all required documentation, including the FTC Identity Theft Report, this fraudulent account remains unresolved, and my credit report continues to reflect inaccuracies that are severely impacting my financial standing and peace of mind. 
I brought this fraudulent account to your attention because I was assured that an investigation would be conducted, and the account would be removed if found to be fraudulent. Since then, I have written multiple letters and provided all necessary documents, including : A detailed explanation of the fraudulent accounts. 
The completed FTC Identity Theft Report. 
Copies of my identification documents. 
Any additional information requested by your office. 

Despite my compliance and the clear evidence presented, I am deeply frustrated to find that my efforts have been in vain. The account in question remain on my credit report, and I have not received any satisfactory resolution or clear communication regarding the status of your investigation. 

It is disheartening to experience such neglect and lack of responsiveness from an institution that plays a crucial role in safeguarding consumer financial information. The continued presence of this fraudulent account is not only unjust but also a severe breach of my rights as a consumer. I expect prompt and decisive action to rectify this situation. 
XXXX XXXX  DBA XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to XXXX XXXX, I was identified as being compromised in recent security breach. Since that breach the following suddenly appeared on my equifax credit report and affecting my credit score. 

1 ) Equifax suddenly froze my credit file since breach for no reason. Credit file reads " Credit File Status File Blocked For Promotional Purposes ''. I never asked or requested my credit file to be frozen. I need help with removing this wrong credit file as blocked. 

2 ) Equifax reports says " payroll is payroll deductible '' which is an obsolete comment entry. Obsoloete since XXXX 2011. 

3 ) XXXX XXXX ( CLOSED ) - a ) reports as charge off in Comments 1 when it was sold to third party. 
b ) Comments 2 reports : " payment is payroll deductible ''.
Product: Prepaid card

I currently and have been a card holder with XXXX  and active account and card all attached to my app and email on my phone. Also all my primary info is update and current and accessible So if any changes or new cards or deposits or new information was added or XXXX  has all of these way to notify me as such. With that being said I filed my tax return with my preparer from XXXX XXXX  XXXX XXXX XXXX this year XXXX XXXX did my return again this year This year he sent me notice of my returns approval followed for a request of my direct deposit info. Before i could answer back he said I took to long and that he had the return going to a XXXX XXXX and that I should receive in few weeks well he stopped answering my calls and so did XXXX XXXX  XXXX so when the card never came I finally got my transcript showing it was deposited in XX/XX/XXXX  After remembering he had said it was XXXX  I had called them directly to see if maybe a new account had been added under my name and sure enough the operator said yes it was at XXXX and that my return had been on that card she also informed me that not only was there a different address but email as well I ask her to give the new info to me and she said that they could not give me that information on my account and she would not I asked why not if its my account that makes No sense then she hung up on me Then the operator was supposed to remove the new changes but she failed because as she had started filing all 39 charges they were also notifying him of the dispute i had to call back three time to have it fixed and then not only did they patronize me to the point of tears the escalated supervisor keep tell me why I was repeating my self and that to stop but I was only responding to her question she was horrid I couldn't answer anything about a card I never received I disputed all 39 charges twice both were declined with this response from XXXX  ... ..... 

Account ending in XXXX Hi XXXX XXXX, Recently you inquired about your charge ( s ) from your XXXX  XXXX  in the total amount of {$7600.00}. Based upon our investigation we have determined that no error occurred and that transaction ( s ) in question was authorized. Therefore, the transaction ( s ) is not eligible for credit to your Account. 

You have the right to review any documents we relied upon in making our determination. 

You may request this information by writing to us at the following address : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, GA XXXX Thanks, The XXXX  Team I also provided the police report from XXXX Texas from Officer XXXX # XXXX case number XXXX And my Identity theft case reference number XXXX At no point should any changes involving my account and ssn with out me getting a notice should of been possible They had many ways to inform me and due to there negligence on my account he was able to take all of my return and there is XXXX that is missing in the dispute from my return amount to the disputed amount
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX payment history is INCOMPLETE. Payment for XXXXXXXX XXXX, XX/XX/2016, XX/XX/2016, XX/XX/2016 ' is missing. 

XXXX XXXX account is INCOMPLETE ; it is missing the 'Date of Last Activity '. 

XXXX account is INCOMPLETE ; it is missing the 'Date of Last activity '.
Product: Mortgage

This is a complaint against SLS ( Specialized Loan Servicing ). 

I am refinancing a house in XXXX XXXX XXXX with my father. The mortgage is less than XXXX years old. Our current lender is Specialized Loan Servicing, otherwise known as SLS. We are refinancing using XXXX bank. 

The process began with XXXX bank at around XX/XX/XXXX. By XX/XX/XXXX, we had written a check to the law office representing SLS to kickoff the XXXX process. 

XXXX 's law office had estimated the process to take XXXX weeks. I check back with XXXX 's law office on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. They informed me that they have been checking with SLS ( and their law office ) regularly and that the only information they have is that SLS is still working on getting the collateral documents. 

By XX/XX/XXXX I had already extended my rate lock-in with XXXX once. I directly call SLS at XXXX, but the customer service representative didn't have much information for me. They referred me to call XXXX Mortgage instead. XXXX  could only tell me that they have requested the files from their external custodian and there is no estimated time they can give me of when it will complete. 

On XX/XX/XXXX, XXXX 's law office CCs me on their email exchange with the law office representing SLS. I can see XXXX 's law office had been frequently requesting updates from them. From that day til now, XX/XX/XXXX, the only thing they have told us is that they are still working on the files and we will get it when it's ready. There were zero estimations, and zero status updates on their progress. 

With interest rates rising, I have to keep extending my rate lock-in with XXXX. This is costly. The lack of transparency and slow pace from SLS in the last 3 months, has cause me distress and increased risk in my refinance.
Product: Credit reporting or other personal consumer reports

Appfolio has XXXX evictions shown on my credit. One is from 2014 and the other is fraudulent as my former landlord did not follow North Carolina law in allowing XXXX full days for the Notice to Quit before filing eviction. She is being sued separately in court and I am contacting the Attorney General about her for violating my rights and placing this fraudulent eviction on tenant screening reports.
Product: Credit reporting or other personal consumer reports

Called into Bank of America for information about an account that was charged off many years ago. When I asked the representative about the account she was very rude. I asked her about the way they were reporting as past due and a charged off account, she responded that She didnt have to take to me about the account. I asked her how could we come together to find and a solution and again she responded rudely and told me to call another company ( who isnt showing on my credit report ). I told her that I was pursuing a home and just wanted to clear up the reporting and her response was I dont have to tell you anything and as a matter of fact I dont even have to stay on this phone speaking to you about this.
Product: Debt collection

After living in this apartment for 12 years, we were sent a letter asking us to move due to remodel ( see pg 1 ). We were never given the option of a walk through to identify anything that we could correct before having it deducted from our deposit of {$700.00}. Landlord conducted a walk through after new tenants had been living in unit He has kept our entire deposit plus asked us to pay another {$900.00}. He has called us liars and insulted our intelligence as you can see in his email. we asked to see receipts but were denied. except for the one for carpet. He wanted us to pay for carpet but pg. 8 of the lease states we can not be charged for carpet after so many years, so instead he is charging us for the recycling of old carpet and padding and installation of the new carpet this is how he has worked his way around it. He claims we damaged appliances and that they werent clean enough, this is after 12 years of use, they are going to have wear, plus they are the same appliances that were left for the new tenants, so they couldnt have been too damaged. he would not produce a receipt for the extra cleaning. We received a letter on XX/XX/XXXX stating we had 10 days to pay or we would be turned over to collections, on XX/XX/XXXX we received a statement from a collection agency. we had just moved out on XX/XX/XXXX. we are being charged twice for utilities, and late for supposedly over 10 mos. ago. He has ruined our hard earned credit standing, it dropped 40 points. which he had threatened to do to make it difficult for us to find a new place to live Please see his email to us dated XX/XX/XXXX, very intimidating and threatening. We tried mediation, but we received very little cooperation. I am willing to pay {$75.00} each for 3 closet doors, since he will not get us receipt i think that is fair. The handle on the refrigerator was missing when we received it. it had come from another apartment that way, it was replacing the one we had because it was broken when we moved it. I feel I am entitled to my deposit minus the {$220.00} for closet doors, I expect him to correct what he has done to our credit and be held monetarily responsible. We have worked hard to keep our credit in good standing, he had no right to damage it for his satisfaction. I would really appreciate your help on this matter. we have been denied what should have been rightfully by law offered to us, our credit is ruined, and he has kept our funds.
Product: Credit reporting or other personal consumer reports

Original Creditor : XXXX XXXX Date Opened : XX/XX/year>, Balance Reported : {$3900.00} Current Status : Charge-off Reasons for Dispute : Lack of Notification : I was not notified that this account would be reported as a charge-off on my credit file, nor have I received any formal notice of such action. This omission constitutes a violation of my rights under the FCRA, which mandates that consumers be notified of significant negative actions being reported to credit bureaus. Violation of FCRA : Under the FCRA, you are required to ensure maximum possible accuracy when reporting information. The lack of notification and the inaccuracies outlined suggest a failure to comply with these obligations. Unverified Information : I request that XXXX XXXXXXXX provide verification of this account, including detailed payment history, any communications regarding this account, and documentation of the charge-off status. I respectfully request that you investigate this matter and provide me with a written statement detailing the findings. If the investigation reveals any errors or unverifiable information, I request that you remove this entry from my credit report and provide me with an updated copy. Please note that under the FCRA, you are required to complete your investigation within 30 days. Thank you for your prompt attention to this matter. I look forward to your response. Sincerely, XXXX XXXX XXXX
Product: Credit card

i have 2 phone and XXXX XXXX so i try to use apple pay with my 2 phone but when i tried to add my another apple credit card for another phone but they don't let me do and closed my account. At that time my credit card was used about XXXX $ i can't pay right away on XXXX XXXX because im on my vacation. 2 days later when i come back to home when i get cash to deposit to pay my debt but everything was gone. i can't see any transaction and my apple credit card anymore. i was try to call apple card service time to time they just tell me wait and just said they can't find my account even with my social number. while when i try to open another apple card it said i already have an exist account. So now that debt keep make my credit score going low. i wa n't to pay off the balance but they don't let me do it.
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : 1. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  dropped my score over XXXX  XXXX  Nothing new occurred no new accounts no late charges etc. went from almost 800 down down below 750 XXXX just did the same thing And experian No reason given how can a score dropped over XXXX  XXXX  in less than a month When all my acts are paid off and up to date This is unfair Ive tried hard for a great score Thank you XXXX XXXX
Product: Mortgage

I have been trying to refinance my mortgage, but my current mortgage holder AmeriSave XXXX XXXX, is refusing to provide a payoff statement to my refinancing broker or myself. 
AmeriSave Mortgage Corporation is refusing to provide the payoff statement even though they have received my signed consent that was provided to them through the refinancing broker. Also, since AmeriSave non-responsiveness I have personally called AmeriSave XXXX XXXX 4 times to request a payoff statement, but it does not seem they are willing to provide the payoff statement. 

CFR section 1026.36 ( c ) ( 3 ) Payoff Statement, clearly states : In connection with a consumer credit transaction secured by a consumer 's dwelling, a creditor, assignee or servicer, as applicable, must provide an accurate statement of the total outstanding balance that would be required to pay the consumer 's obligation in full as of a specified date. The statement shall be sent within a reasonable time, but in no case more than seven business days, after receiving a written request from the consumer or any person acting on behalf of the consumer. When a creditor, assignee, or servicer, as applicable, is not able to provide the statement within seven business days of such a request because a loan is in bankruptcy or foreclosure, because the loan is a reverse mortgage or shared appreciation mortgage, or because of natural disasters or other similar circumstances, the payoff statement must be provided within a reasonable time. A creditor or assignee that does not currently own the mortgage loan or the mortgage servicing rights is not subject to the requirement in this paragraph ( c ) ( 3 ) to provide a payoff statement. Official interpretation of Paragraph 36 ( c ) ( 3 )