23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

My federal student loans have been serviced by XXXX and I have never missed or been late with my monthly payments, which are due on the XXXX of each month. At the beginning of XX/XX/XXXX, I made my regularly scheduled monthly payment to XXXX. At around the same time, my account was transferred to Fedloan Servicing. Near the end of XXXX, Fedloan Servicing notified me that my XX/XX/XXXX payment was late. I notified Fedloan Servicing that my XX/XX/XXXX payment had been paid to XXXX immediately prior to when I got notice that my account was transferred. Fedloan Servicing soon confirmed that it had received the payment and would credit it to my account within 10 days. After 10 days, Fedloan had not credited the XXXX payment and my account was still showing past due. Fedloan again confirmed that, yes, it received the XXXX payment from XXXX but it takes time to credit it to my account. Fedloan instructed me to make my XX/XX/XXXX payment as usual and as soon as the XXXX payment was credited to my account, it would reflect that I was up to date on payments. I have continued to make all monthly payments on time and in full. However, I receive late and past-due notices, stemming from the XXXX payment that Fedloan received from XXXX but has failed to apply to my account. Fedloan Servicing told me to ignore the late and past-due notices I receive as it will all be straightened out when it finally credits the XXXX payment. As of this date, Fedloan Servicing has not credited my account with the XXXX payment it received from XXXX when my account was transferred. It is unacceptable that it has taken 4 months for this to happen and that I am receiving late and past-due notices. Of course, I request that no negative information be reported to the credit reporting agencies and that no additional interests or fees are added to my account because of Fedloan 's failure to properly service my account and my XXXX payment from XXXX.
Product: Mortgage

Fay Servicing Appeals RE : XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXXI am writing to appeal in response to the letter of denial on the loan modification application for account XXXX. I am really at a loss in why this was denied and the overall review process that took place was very confusing and perplexing. I submitted the modification packet to Fay Servicing on XXXX/XXXX/XXXX. They requested additional information numerous times. In particular they requested 'official ' bank statements on three separate occasions, even though I had already faxed/emailed them in three times. I received a certified letter, dated XXXX/XXXX/XXXX, stating that the modification had been denied because I failed to submit a completed initial package in the time frame they requested. I submitted everything they asked for in a timely manner and each time I called in to follow up with the account manager I was told you have sent in everything and that it is in review. I then received a notice dated XXXX/XXXX/XXXX, that they received the documentation and no further documents were needed at this time. Three days later I received a notice of intent to begin foreclosure proceedings. Finally I was told the modification was denied because I had insufficient income to achieve a payment that would qualify for the program. I do n't understand this as no explanation was given. In the same denial letter, they said my current housing expenses is less that equal to XXXX % of my gross income ( meaning that I make too much money?? ) Again I am at a loss. And then finally they said that the number of modifications I have received exceeded the allowable amount. I have only received one modification and that was XX/XX/XXXX, after a period of which I was unemployed. I have been offered a modification by XXXX XXXX and I honored it by making the trial period payments. However they sold the note and transferred the mortgage to XXXX XXXX XXXX XXXX, of which they did not honor the modification, even though I completed the third trial period payment to them. They in turn transferred the note back to XXXX XXXX and again they offered me a modification, but transferred to the note to Fay Servicing before the modification trial period even began. This entire experience has been very very stressful and time consuming. I have attached the initial request for a modification due to a divorce and a XXXX XXXX. I would very much like to maintain the home and raise my XXXX boys in the home. I would very much like to continue making payments and improving my credit rating. I feel as though I have done more than my part in effort to make this home affordable. However I have received nothing but red tape and a history of the loan being transferred four times now since I applied for the initial modification with XXXX XXXX XX/XX/XXXX. I have all documentation to support this appeal and will be happy to supply upon request. 
I further request an appeal of the denied modification as I feel I have sufficient income to support a payment, I have not received a modification that has been honored by the mortgage company 's involved. 
Please advice. 
Thank you,
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of the XXXX  XXXX XXXX account ( partial account number : XXXX ) from my credit report due to multiple inaccuracies and violations of the Fair Credit Reporting Act ( FCRA ). The continued reporting of this account is causing harm to my creditworthiness and financial history.

Specific Issues with the Account : 1. Incorrect Status : - The account is marked as " Open '' on my Equifax credit report, while other credit bureaus report it as having a derogatory status. This inconsistency reflects a lack of proper verification and accuracy.

2. Incorrect Credit Limit : - Equifax lists a credit limit of {$0.00}, which is inconsistent with the data reported by other credit agencies, further proving inaccuracy.

3. Inaccurate Payment History : - XXXX report shows consistent " OK '' payments except for discrepancies in XX/XX/XXXX and XX/XX/XXXX, which conflict with reports from other bureaus.

FCRA Violations : 1. Section 607 ( b ) : - Equifax failed to maintain the maximum possible accuracy of the information reported, violating this key provision.

2. Section 623 ( a ) : -XXXX  XXXX XXXX XXXX as the data furnisher, did not ensure the accuracy of the information provided to Equifax , which Equifax then incorrectly reported.

3. Section 611 ( a ) : - Equifax did not conduct a reasonable investigation after I disputed the inaccuracies in this account. The discrepancies remain unresolved despite my formal dispute, indicating a violation of this requirement.
Product: Credit card

I missed a credit card payment on my sears card. A collection call came, and the operator told methat if I scheduled a partial payment and paid the total off on the due date, that the collection calls would stop. On XXXX/XXXX/15, {$100.00} payment was made and a payment for the rest is scheduled to come out on XXXX/XXXX/15, the due date. The operator said that the calls will stop. They stopped for a few days, buthave resumed, incessantly. Today, XXXX, I have had XXXX phone calls from them. I told them to stop calling me since i did everything they told me to to stop the calls. The last operator said they could only push the calls push the calls back until the XXXX of XXXX, and then they would resume. 
that called said they could n't push the calls back any further than the XXXX of XXXX.
Product: Mortgage

I believe the servicing of my mortgage has been handled improperly, with several violations which could be illegal. 
Payments have been posted late, after the late charge date in spite of the payment being mailed with enough advance to ensure it reached PHH on time. I have complained in the past about this but always get the run-around. 
Payments sent were rejected by PHH and not applied, and were returned. 


Summary of events : XX/XX/XXXX : Due to several XXXX I requested a forbearance, which was granted, for payments due XXXX, XXXX and XXXX. 
The agreements atated the next payment due would be XX/XX/XXXX with the total amount due of {$1500.00} XX/XX/XXXX : Received the statment due for XX/XX/XXXX, with the payment amount due of {$1500.00}, which includeds a {$10.00} late charge, even though the statement states the late fee is {$6.00}. I thought one of the points of a forebearance meant there would be no late fee 's. 
I sent 4 money orders to make the total payment of {$1500.00}. ( Note : The business I purchase money orders from has a maximum amount of {$500.00} per money order. ) Money order # XXXX -- {$500.00} Money order # XXXX -- {$500.00} Money order # XXXX -- {$500.00} Money order # XXXX -- {$20.00} XX/XX/XXXX I received a Notice of Default letter dated XX/XX/XXXX stating the next payment due was XX/XX/XXXX, and the total amount due was {$100000.00}, which included another {$10.00} late charge. 
I immediately called PHH to question why I received the notice of default since I had mailed in the total amount due. I was told that PHH could only handle one payment at a time so the other three money orders were not applied and would be returned.. This is a complete abuse of the system. To not accept legitimate forms of payment is illegal. 
I received the statment for the payment due XX/XX/XXXX, the total amount due of {$1500.00}, which includeds a {$10.00} outstanding late charge and an assessed expense amount of {$20.00}. The statement shows a suspense balance of {$140.00}. 
- My guess is that PHH applied one money order of {$500.00} leaving a balance of {$120.00}, yet suspense shows a balance of {$140.00}. 
- Did they apply XXXXXXXX XXXX from the 4th money order of {$20.00} to suspense, which completely refutes their statement of only allowing one payment to be processed, and if so what happened to the remaining XXXX cents? 
I mailed in another payment for XXXX, and accoding to the XXXX statment it has not been applied. 

I am now being threatened with foreclosure. 

The bottom line is I am currently out over {$1000.00} and racking up late charges and fees by the day due to the criminal mis-handling of my mortgage by PHH. I would very much like to know what recourse I have.
Product: Credit card or prepaid card

Back in XX/XX/2018 I made a payment on capitol ones mobile app. The app showed that the payment had went through. It credited my account the money and my credit linit showed XXXX again. This was my first true credit card. So i was unaware that some card companys for whhatever reason will sometimes take several days to pull this money from your bank account. I stupidly assumed that the payment had cleared my bank account based on the app showing my credit line was restored to the original amount. I was wrong. By the time the payment did go through my bank the money was not there. I do accept responsibility. I should have checked my BANK ACCOUNT and not relied on the capitol one mobile app. BUT my problem is this ... when the payment did not go through i had already used my credit card again. So when capitol one didnt receive the payment they tacked it back onto my card so now i owed them over 300 dollars on a XXXX dollar credit limit card. To my credit. The payment that was attempted was 3 weeks EARLY. I immediatly started paying the owed amount down. The entire time i had this card i NEVER missed or was late on a payment. Even after they put a hold on my card and informed me that i was fraduently using my card??? How am I a fraudulent user? I made a mistake. Never missed a payment. Never late. I called capitol one to find out what i needed to do to fix the problem. Informed them what happened. Explained it was a misunderstanding. I took responsibility for my mistake. The fraud department was very rude. Did not care what i had to say. Capitol one treated me like i was a criminal. Took no responsibility. Even though they are not supposed to credit my account until the payment has cleared my bank account. I payed off the rest of the balance over 4 months to show i could make my payments on time ect hoping capitol one would see reason. They closed my card as soon as i payed my last payment. The real bad part is no other secured cards will even touch me now. I feel as though capitol one has black balled me in the credit card world for no reason. They refuse to see reason. If i was trying to commit fraud i deffinitly would not have paid you back. Made my payments on time. Look at the proof sitting right in front of you. My payment history. The payment you say is fraud was being made 3 WEEKS EARLY.
Product: Mortgage

I am in the process of negotiating a short sale with my first lender SPS, and they already issued approval once before, and after we requested an extension on the appproval since the XXXX lender did not approve the short sale until after SPS ' approval expired, SPS did a new BPO on the property. The XXXX value came back substantially higher than the already approved price that Buyer agreed to, and the BPO had many glaring errors- the valuation used properties more than XXXX mile away, in different school districts, more desirable neighborhoods, comps that were not even sold, etc. This is the 2nd time SPS has done this on this same exact file. Their first BPO had the same exact glaring errors and they sat on it and did nothing until a prior CFPB complaint was filed. They need to be fined as this repetitive action is becoming malicious and affecting the lives of the Seller and Buyer extremely negatively.
Product: Credit card or prepaid card

Ive been a member with American Express since XXXX. I had a {$10000.00} credit limit. I am a XXXX and have been one for the last 26 years and have been a XXXX XXXX the last 12 years. During the later part of XXXX and early part of XXXX. I made 3 major purchases with my American Express Card. I bought a ergonomic chair for my son since he was schooling at home for about {$350.00}, a deep freezer for {$350.00} and an online class so I can learn the technique to do my own hair called XXXX. The freezer was supposed to deliver on XX/XX/XXXX. It was never delivered. I called XXXX on XX/XX/XXXX to see what was the delay, worried that they would tell me that it could not be delivered. The customer service agent said that they would email the vendor to see what happened and to give them 24hrs to reply. I waited until the next day and seeing that I didnt get a reply from the vendor I reluctantly went to the XXXX website to purchase another freezer. All that was available were commercial freezers, costing {$1800.00} or more. I was concerned that the original freezer I purchased wasnt going to be delivered so I went ahead to try to by this commercial freezer even though I did not want to charge that much to my card. I tried to complete the transaction 3x and it didnt go through. I went to the Amex App to check my account and saw that the credit limit was lowered to {$1600.00}. I then called Amex to find out what happened. They said that my limit was lowered they said it had been recently lowered. I said I never got an email about it. The customer service agent said because it was done today, I said what time today but he said to me he didnt know when. So I then said when o was trying to purchase a freezer to keep food in preparing for a possible food shortage Amex decided to lower my credit limit? Even when my debt to income ration was steadily lowering over the past year, 3 creditors increased my credit limit and I had no late payments? Also my credit score was steadily increasing as well. Amex said I was high risk and thats why they dropped my credit limit. We also know dropping my credit limit increased my debt to income ratio and as of yesterday my credit score dropped 71 points. I did not deserve this! I have a steady income and a secure job. I have not paid any late payements, my Dept to income ration was steadily going down and my credit score was going up. What is the purpose of having a credit limit of {$10000.00} but when you go to use your credit its dropped as youre trying to use it. I wasnt delinquent on any payments to Amex or any other creditor in many months. I feel slighted and disappointed and I didnt deserve this treatment.
Product: Consumer Loan

I had applied for a personal loan with A vent and they were taking the money out on different dates and not reporting payments. Then after a letter from a inquirer we did with NH Banking Department. I found they were not licence and stooped paying and now they reported missed payments to the credit bureaus, yet still have n't sent me a contract or sent me any info on the terms we agreed to.
Product: Checking or savings account

I believe that I am a victim of fraud and/or identity theft. For the past XXXX years, the thieves have made my life a living nightmare. Performing 'normaXXXX ' financial activities have been an uphill battle and I am writing to dispute the following items on my credit report maintained at your bureau. 
Each of the accounts and transactions I dispute were opened and made by someone with a similar name as me or someone pretending to be me. I never authorized, used, or benefited from these accounts or transactions in any way. 
Please validate this information with Regions Bank and provide me with copies of any documentation associated with this account bearing my signature. In the absence of any such documentation bearing my signature, I ask that this information be immediately deleted from the file you maintain under my Social Security Number. 
Please delete any reference from Regions Bank Missouri Attached is a police report, social security card, drivers license, and completed ID theft affidavit. 
Please delete the disputed items from my credit report within four ( XXXX ) days as required by the Fair Credit Reporting Act copied here below for your reference : 605B. Block of information resulting from identity theft [ 15 U.S.C. 168c-2 ] ( 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 infor-mation that resulted from an alleged identity theft, not later than XXXX business days after the date of the receipt by such agency.
Product: Debt collection

Dear I am writing to dispute the debt collection that you have placed on my credit report. I believe that this debt is not mine and that I am not responsible for it. 
The account in question is became aware of this debt when I received a collection notice from your agency on XX/XX/year> I have reviewed my records and have determined that I am not responsible for this debt. 
I request that you provide me with the following information : XXXX, XXXX, XXXX XXXX account numbers : XXXX, XXXX, XXXX, XXXX I also request that you cease all further collection efforts until this matter is resolved. 
I look forward to hearing from you soon.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX  XXXX XXXX UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

My mortgage was sold by XXXX XXXX to another bank. They failed to notify me in writing, rather my account with them was just closed and I found out when I tried to make my monthly payme. I was able to find the new servicer : Fay Servicing, but can not get any information who now owns my loan. Since Fay has taken on servicing my loan, they have onboarded it with annacuracies that are causing a higher monthly payment, and are providing no details and ignoring requests for information. 

- My monthly payment is XXXX XXXX/mo higher. They have no details on why. Each time I call they say they will get back to me. They never get back to me. 
- They say there is a 2nd lien, but they won't say by who or what for. 
- They refuse to provide details on escrow funds for taxes or insurance. 
- They refuse to provide details on the bank who now owns the loan.
Product: Credit card or prepaid card

Bank Of America  XXXX   XXXX   XXXX  :  XXXX   XXXX   XXXX   XXXX  BOA Case numbers :  XXXX   XXXX   XXXX  Bank of America declined to refund these  XXXX   erroneous cha rges from  XXXX  totaling  XXXX  or {$160.00}.     BOA asked for a copy of the cancellation : I have no copy of a cancellation. No merchandise or service was delivered. The booking still shows up on their website but I have no physical ticket to return.     BOA asked about my attempts at resolution : The transaction was done entirely online so I had no personal contact with anyone from  XXXX  during the booking process. I attempted to cancel the incorrect booking many times beginning the following day,  XXXX   XXXX    XXXX  . ( Within  24 ho urs of their email. ) I called their customer service number for the  XXXX  at  XXXX   XXXX . I do not have all the names of the numerous representatives and supervisors I spoke with throughout the next weeks. ( They offered only first names. ) The response of each person was only to repeat what it says on their website.   Re-booking charge :    XXXX   XXXX    plus fare difference Refund not possible note : I fully understand the policy of non-refundable fares. However what they are offering to deliver is not what I ordered. ( For example, if I ordered a non-returnable refrigerator online - and the merchant bills me for a television - I would not accept it! ) BOA asked me to describe the specific problem : I attempted to purchase from  XXXX   two  one-way airline tickets from  XXXX ,  XXXX  to  XXXX ,  XXXX  for  XXXX   XXXX ,   XXXX  , and because they were less expensive I scrolled to, and chose  XXXX   XXXX ,   XXXX  . Checking their website the following day I found reservations were mistakenly listed for travel on  XXXX / XXXX /  XXXX   (  XXXX  for  XXXX   XXXX ,   XXXX   ).   I called  XXXX  immediately to ask that they correct their error . ( See results above ) Our  international flight from  XXXX ,   XXXX   to  XXXX ,  XXXX  does n't leave until  XXXX   XXXX ,   XXXX  . We will still be here in  XXXX  on the date they have reserved.   Thank you,  XXXX   XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still a few items to be updated. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these items ( 1 ). ( A ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am unaware of this debt. I did not have the opportunity to dispute this debt. I did not receive proper notification. If you believe i received proper notification please send me the certified receipt with my signature on it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting a charge off on my consumer reports. A charge off is considered income by the INTERNAL REVENUE SERVICE. A 1099-C was filed, but I have not received my copy. XXXX XXXX charge off shall be removed from all consumer reporting agencies reports immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I launched an investigation into National Credit Systems reporting of a debt with XXXX XXXX  XXXX XXXX XXXX on XX/XX/XXXX. I was denied leasing with XXXX XXXX  XXXX on XX/XX/XXXX. I worked for a preferred employer mployer so the application fee was waived. However, National Credit Systems is falsely reporting this as a debt owed on report with XXXX  and XXXX. THIS IS false reporting.