23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

They call me SEVERAL times a week claiming that Navient and other companies are being sued, and I know it's a scam. I ask them every time to put me on a do not call list, and yet they continue to call.It 's always from a Washington DC phone number, and i block it every time, but they always change it up and get through. I'm so sick of it.
Product: Mortgage

The amounts listed as payoff for my HELOC and my first mortgage in my loan do not match the actual payoff amounts recorded with my former lender ( payments were made and processed ). The new lender listed payoff amounts ( incorporated into my loan ) that were higher than the actual. 

HELOC payoff listed in closing doc = {$84000.00}, but actual payoff made was only {$84000.00} 1st Mortgage payoff in closing doc = {$250000.00}, but actual payoff made was only {$250000.00} Discrepancy is {$430.00}. 

The new loan was closed on XX/XX/21 and payoffs were made on XX/XX/21. There is no record of the additional money being sent to my previous mortgage company in error ( They are showing payment for the actual amounts listed above and no more. ) I contacted the mortgage broker, XXXX XXXX, of XXXX XXXX XXXX XXXX, on XX/XX/21 and supplied him with the docs from my refinance to show the larger payoff numbers listed and the statements from my former mortgage company showing the payments made. He directed me to my former lender, but my former lender only received the actual payoff amount, no extra. I also called the mortgage company that closed my new loan ( Cherry Creek Mortgage Company ), on XX/XX/21 and left a message about the situation. They have not returned my call and my loan has already been sold to XXXX XXXX
Product: Mortgage

Good evening, 1. I purchased a house on XX/XX/XXXX for {$290000.00} at XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX. I put XXXX down with a loan amount of {$260000.00} 3. My appraisal at the time of closing was for {$310000.00} 4. I have been paying {$300.00} extra in principal since my first payment on this loan so that I could drop the MIP as soon as possible. 
5. My current balance is {$240000.00} which is below the 80 % XXXX requirement. 
6. I contacted the company on XX/XX/XXXX in writing to request the MIP be dropped. 
7. I followed up again on XX/XX/XXXX in which the representative promised to have the issue addressed no later than XXXX XXXX. 
8. The company has still not contacted me, except to say that my taxes have gone up again, so my payment is increasing in XXXX. 
9. There are no seasoning requirements on this loan. 
Any help would be appreciated.
Product: Student loan

I have been paying the same amount on my student loans on time for the last five years. This month, my monthly payments more than doubled. I called to get help and I, with my cosigner, went through a financial assessment over the phone on XXXX XXXX. This process took approximately two hours and we came to an agreement of a lowered monthly payment effective immediately. In order to agree upon the financial agreement, I had to agree to an automatic deduction of half of the adjusted amount every month. Just to lower my payment, which I qualified for due to my income, I had to give a stranger my personal banking information. I called to see when I should expect my account to reflect the new monthly agreement, and the operator had no answer for me. I continued to check my account and my bank statement for the transactions to change, and nothing different. I received a letter this morning, XXXX XXXX, to the effect that my payment over the phone did not go through due to failure to locate my bank account. Not only has the very same bank account paid my balance every month, but no changes have been made to my banking for over 13 years. I even repeated the account and routing numbers several times over the phone XXXX/XXXX/2016 just to make sure so that I would not lose my new monthly quote. Seems to me there is some foul play here. In the meantime, my account has had the same unaffordable balance, as well as, new threats of late fees and hits on my, and my cosigner 's credits. In addition to all of this, my cosigner during her recent financial adjustment, on XXXX, expressed that she is experiencing her own financial hardship and can not afford to help in any way. Instead of taking this new information into consideration, Navient charged me the same for the XXXX loans she helped me finance and threatened to attack her if the payments were not collected on time. I am a good customer and have tried to do the right thing here, but Navient has not held up its end of the new bargain.
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score Account Name : XXXX XXXX  Account Number XXXX XXXX  In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have applied for2 apartments and they areshowing i have a eviction. i have submitted to 3 credit reporting companies the paperwork from XXXX county court that the eviction was dismissed without prejudice but it is still showing up and automatically declining me. 
XXXX $ ea application is expensive can you help
Product: Credit card

The reason I made this complaint was because I was excluded from some important self serve features via Citi online banking or app and my concern was simply ignored. These self serve features were widely available to account owners so we can view or update our important personal information on the accounts. I felt it was not right and most importantly I felt my account was less secured when a bank unfairly blocks me from viewing or editing my own personal info. 

On XX/XX/2024 I was in need to update my phone number and found I was blocked from some self serve services online and app. I had to call customer service for help. A male from an oversea call center fully verified all my personal info on my account. However he did not update my phone number but transferred my call to a guy from the XXXX. Later on via an email survey I realized the American guy was from the fraud department. The guy from fraud department was able to update my phone number for me. But I was still blocked from viewing or editing my number online or app. That did not make any sense to me. 

On XX/XX/2024 I voiced my concern and dissatisfaction with Citi customer service but was given no explanation or solution. Later on I found out someone from Citi made a negative inquiry to the XXXX on XX/XX/2024 and it had negative impact to my image/credibility, lowered my consumer score and created a wrongly bad impression to other banks. 

Another week passed I was still blocked from viewing or editing my phone number. I felt very uncomfortable, unfair and unsafe to do business with a bank that discriminates me by offering less services without any legit reason and not addressing my dissatisfaction. I also felt having less confident in a bank that treats a legit account owner as a scammer after I had the same credit card with Citi for 15 years. 

I made a call on XX/XX/2024, a female from an oversea call center quickly closed my account upon my phone request. However the phone line was disconnected when I asked to speak to a supervisor. 

I felt it was necessary to find out what was the real reason for a bank continuously treating me as a scammer after they had fully verified and spoke to me on the phone more than once. Because if there was any error/false report going around damaging my creditability or image, I need to know the root cause and put a stop to that. I contacted Citi fraud department on XX/XX/XXXX and XX/XX/2024. I wanted to know why I was treated as a scammer when my account was open. I also asked if they had related or made any false negative report that might have misled them or others treating me unfavorably and unfairly but again I was not given any explanation, suggestion or a valid response. My request to speak to a supervisor was also denied. 

I appreciated Citi responded to my initial complaint via XXXX and would like to have this opportunity to provide more detail and some additional info. I also would like to understand why and what made Citi suggest/think that I was using a VPN?
Product: Mortgage

I am behind on my bills for the month of XXXX. I spoke with XXXX from 21st mortgage last week XX/XX/XXXX and told him I would try to have the amount by the XXXX of XXXX but I couldnt promise. I asked if it was possible to put this payment off or add it to the end of jt mortgage and he refused. He said that is not an option. It was due XX/XX/XXXX. He called me today and when I explained that my check wasnt enough, he proceeded to demand to know where I had spent my money. I start to explain to him about utilities, food, just the necessities that I have had to cut back on, and he proceeds to berate me for not having the money. THIS ONE TIME. I hung up on him because I was want getting anywhere.
Product: Mortgage

My wife has her house financed through the Virginia Housing Development Authority. In the last year we have had to change our home insurance policy on that house. VHDA has continually made mistakes with correctly paying out the policy to the provider XXXX XXXX insurance Company with XXXX as the agent ) via the escrow account. It was so bad that at one point because VHDA paid out to XXXX wrong insurance providers, who were not XXXX, XXXX and XXXX informed us that they were going to drop us due to non-payment. We thought we had that whole issue taken care of in the XXXX timeframe of this year. However about XXXX months ago we got notified by VHDA that the escrow account was shorted by over {$1200.00} and therefore the mortgage payment on the property was increasing by over $ 200/month to cover the shortage. The reason for this shortage was because VHDA had paid out, twice for about {$1200.00}, insurance companies who were not our providers. Therefore After spending over XXXX hours on the phone with XXXX trying to understand what the issue was and who caused it, my wife and I thought we had this issue taken care of. VHDA even sent us an annotated print out showing where they had sent out XXXX incorrect payments, received return payments from those companies and finally paid out, correctly, to XXXX XXXX. Therefore, my wife and I thought everything was taken care of both with XXXX, to ensure we had insurance on the house, and VHDA, such that there was no longer a shortage in the escrow account. However, when we went to make the monthly mortgage payment this month, the payment amount reflected an amount that VHDA told us we would have to pay because the escrow was short funds. What I am filling a complaint about is this issue. Why do I have a document from VHDA showing that my escrow account is in good standing and any issues with the lack funds in the account are as aa result of their mistakes and not ours as a homeowner, and somehow I 'm still responsible for missing funds that should n't be missing from my account in the first place. This issue has been ongoing for almost a year and we would like it resolved. 

ThanksXXXX and XXXX XXXX ( XXXX XXXX )
Product: Debt collection

Commonwealth financial is the collection company.  Original creditor was XXXX XXXX XXXX XXXX XXXX.the original bill was dismissed says “No Charge left without treatment” That was 2 separate visits on XX/XX/2015. Amount was $XXXX each.both dismissed. But somehow collection company got this bills and debt went to credit report. I disputed but keeps pop up with different collectors. I called XXXX XXXX they said will delete both accounts with $XXXX.I paid this amount but they only delete one account. Account number is XXXX.
Product: Credit reporting or other personal consumer reports

This is specific to Transunion. 

I've been trying to view my credit report since XXXX XXXX to apply for a mortgage. My bank was also unable to check my credit on XX/XX/XXXX. The bank asked me to check with Transunion if there was a credit freeze. 

Actions taken on XX/XX/XXXX : 1. Accessed the Transunion website and the following errors occur : - Checking Credit Freeze status - " Sorry, we're having trouble showing the status of your credit freeze right now '' - Trying to request a Credit Report - " We're unable to complete your request online. '' 2. Contacted Transunion two separate instances to confirm no credit freeze. Both times confirmed no credit freeze. 

3. As advised by Transunion, I tried access the Freeze/Report by logging into their site on multiple browsers, clearing cookies and using icognito mode. None worked, same errors. 

I'm trying to put an offer on a house with a tight timeline and this has serious ramifications. Please help resolve.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX, Account # XXXX XXXX Dept Of Ed Account # XXXX XXXX XXXX XXXX XXXXt # XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 
15 U.S.C. 1681 SECTION 602A states I have the right to privacy.

15 U.S.C. 1681 SECTION 604A SECTION 2 : It also stated a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my consumer report and saw unauthorized inquiries : XXXX ( XX/XX/2021 ) XXXX XXXX XXXX ( XX/XX/2021 ) XXXX XXXX ( XX/XX/2021 ) I request to have these removed from my consumer report.
Product: Mortgage

I received a check from the CFPB Civil Penalty fund for CFPB V. Green Tree Servicing. ( Tracking # XXXX ). I read the letter and the case. I understand that {$18.00} XXXX was paid into the CFPB Civil Penalty Fund from which I was paid from. The case states there was also a payment from Green Tree of {$30.00} XXXX for violations regarding in process loan modifications. I would like to submit a claim for the repayment of the offense from this {$30.00} XXXX account. How do I go about submitting a claim to be compensated from this fund?
Product: Vehicle loan or lease

As of XX/XX/XXXX GM financial updated my account to assess fee 's to my account that I discovered in the amount of almost {$910.00}. Without any detailed explanation provided in writing itemizing these additional charges. Payments to this account have not been applied timely, or correctly. In addition to the regular car payment of {$560.00} dollars, GM financial has violated me by demanding over {$910.00}. I do not have any knowledge as to where these fee 's have originated, nor was I provided with the reason for these demonstrative fee 's, nor have they been forthcoming with the detailed financial breakdown for their unscrupulous and predatory business practices. GM financial offer 's the highest interest rate on their loan at over 17.99 % to XXXX XXXX  during the worst economic downturn in XXXX XXXX. And on top of this has placed us in an unfair position by placing late warnings that this {$910.00} is 52 days past due, but this just posted to my account on XX/XX/XXXX! in addition to this additional burdensome fee 's on our credit report. Their actions have demonstrated their neglect and intent to cause unjust harm to our financial credit report/financial well being and to us and XXXX XXXX  XXXX
Product: Checking or savings account

XXXX XXXX XXXX c/o XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX XXXX To CrossCountry Mortgage XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Whom this may concern, I am writing to formally the revoke the security interest associated with my Mortgage Account number # XXXX. I, XXXX XXXX XXXX, XXXX the beneficiary of the promissory note linked to this loan. 

Correspondence has been Sent to XXXX XXXX, XXXX Indentured Trustee. As the indentured Trustee of XXXX Mortgage, XXXX XXXX has lawful duties that they must abide by. XXXX XXXX XXXX being the beneficiary, needs XXXX XXXX XXXX XXXX by their lawful duties. According to the securities exchange act of 1934, it is the obligation of the indentured trustee to handle the discharge and cancellation of debts. 

XXXX XXXX, your indentured trustee received my registered securities via registered mail and the record is documented. I am formally instructing you to wire my securities through my Treasury direct Account, where they were intended to be in the first place. 

XXXX Account BANK NAME : XXXX XXXX Number : XXXX Account Number : A - XXXX - XXXX - XXXX I am the beneficiary of the promissory note and I kindly request that you take the lawful steps in Discharging this debt and wiring my securities to me, where they were intended to go in the first place. 

Being that my promissory note is a 0 % certificate of indebtedness, I understand that it is not being registered with the SEC, and that is how the securities fraud is going undetected. 

Please take the necessary steps in revoking your security interest as per my request, wiring my securities through my XXXXXXXX XXXX  Account, and take the lawful steps in Discharging this debt promptly. 

Your prompt attention to this matter is appreciated. Please confirm in writing once the revocation is processed, the securities are successfully wired to the provided XXXX Account and this debt is successfully discharged.
Product: Credit reporting, credit repair services, or other personal consumer reports

pursuant to the FCRA and The FDCPA these inquiries constitute misrepresentation because i do not recognize them listing as : 15 USC 1692, 15 USC 1681O ( A ), 15 USC XXXX they as in XXXX XXXX, XXXX, EQUIFAX, and XXXX are all in default of these {$1000.00} violations of my federally protected consumer rights.
Product: Mortgage

Amerihome Mortgage received my Electronic Transfer last month on Thursday and did not Credit it till Tuesday. That is 6 extra days of Interest on the Principal. If the Service XXXX Loans a Month that is big Money. When I called they just said " it was not that much money ''.

This month the Transfer was a Friday and they applied again on Tuesday. Another 5 days Interest on the Principal.

Now this Month I sent them both the Master Policy ( Townhouse ) Binder and Individual Policy Binder and they still charged me {$200.00}. They do not answer their Phones nor does their Online Chat work.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX  account number XXXX, XXXX XXXX account 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 also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. I sent a letter to Experian on XX/XX/2023 and asked them to investigate the completeness and accuracy. I received the results and noticed they did not fix nothing. There are breaking Federal law According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 15 USC 1681 ( 5 ) it states this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledae of errors.

According to 15 USC 1681 ( 5 ) it states this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledge of errors 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.

According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledge of errors 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

This is unfair and if they are doing this to me imagine who else they are doing this too.

Can you fix
Product: Credit reporting, credit repair services, or other personal consumer reports

I am intrested in disputing all incorrect information on my Experian credit report. checking my file ive noticed unauthorized information that is hindering my file. please update all the information submitted.