23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I opened an credit card with XXXX XXXX XXXX, and purchase furniture with the credit card. I have always paid on the account by due date which occurs the third week of each month. I recently began paying on the account the first of second week of the month because my pay cycle changed from biweekly to monthly. Approximately on the second month after starting my new payment preference, I began receiving alert email messages from company. I called the company to make an inquiry about the email messages. I was informed that my monthly payments were overdue and my name was reported to XXXX XXXX XXXX Collections Department. I expressed my disagreement with what the financial company was reporting, and had the company to view my account for payment history. The company pulled down my payment history and reviewed the payment history with me via telephone. What they had documented reflected that I had made the payments before or on the due date. When I asked why was I receiving alert emails messages, I was told they penalize customers for paying on their accounts if the date of payment exceeds 7 days prior to the due date. I requested my call be transferred to the company manager or supervisor in an attempt to have the resolve the matter. I spoke with XXXX XXXX, manager for Synchrony Collections Department. XXXX XXXX informed me that Synchrony Financial only accept payments 7 days prior to due date and that Synchrony had charged me late fees. XXXX XXXX also informed me that I would be charged late fees each month that I do not comply with their policy. I asked XXXX XXXX to direct me to the location in the written and signed contractual agreement where this policy is stated. XXXX XXXX agreed that this policy is not stated in the contract but it is Synchrony 's policy. I requested for all late fees be removed from my account and was informed that late fees would remain on my account. Since my conversation with XXXX XXXX XXXX, I have paid one of my accounts in full and closed that account out. I have two additional XXXX XXXX accounts remaining with Synchrony Financial. After this incident, I have reviewed all other accounts and discovered that account balances does not appear to reflect correct closing balances. I did not select XXXX XXXX XXXX as my preferred lending company. This company was selected by vendors. I do not liky Synchrony 's business practice and strongly believe this company need to be investigated for fraudulent practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I notified Equifax that I am a victim of identity theft
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The LIST of accounts Below has violated my Federally protected consumer rights To privacy and confidentiality under 15 U.S.C 1681. Account name : XXXX XXXXXXXX, Account name : XXXX XXXXXXXX, Account name XXXX XXXX XXXX  Account name : XXXX XXXXXXXX, Account name : XXXX XXXXXXXX, Account name : XXXX XXXX, Account name : XXXX, Account name : XXXX, Account name : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Mortgage

The following email was sent to my mortgage servicer : Fay Servicing XXXX, I just received a notice that my request for loss mitigation has been denied again without any written or verbal explanation. This is my second attempt to ask Fay Servicing for assistance as I am vehemently trying to catch up with my mortgage payments due to unforeseenhardship circumstances. It should be noted that I am a XXXX XXXX veteran who recently underwent spinal/lower back XXXX, which rendered me unable to work for an extended period of time. 

It should also be noted that Fay Servicing sent the denial letter regarding my first loss mitigation application when it was nearly at the end of the XXXX expiration period. Further, Fay Servicing failed to address my subsequent appeal in writing. 

I understand that Fay Servicing has had a troubled history of " failing to provide mortgage borrowers with protections against foreclosure. '' See story : https XXXX XXXX 

Unfortunately, Fay Servicing 's latest action leaves me with no choice but to seek remedy with the CFPB ( Consumer Financial Protection Bureau ) since you are unwilling to help me with theforeclosure protection and loss mitigation under the XXXX XXXX XXXX Reform and Consumer Protection Act. A copy of this email shall be furnished to the aforementioned agency. Thank you.
Product: Mortgage

1. ) Nationstar Mortgage increased my mortgage payment just 4 months after both/all of us completed an exhaustive in-depth modification & refinancing. We both agreed my payment would be ; {$500.00} monthly @ 4 % for a 40 years note. Nationstar jacked my payment another $ 50 monthly to {$550.00}. In 40 years @ 4 %, that equals another {$24000.00} going to Nationstar. Also, they could jack the payment again without my signature or approval tomorrow. 
Nationstar said it was needed for escrow. I reminded them that they just completed a loan mod-refi only 4 months ago which examined the escrow needed. 
I only get {$1200.00}. per month XXXX since being injured on XXXX XXXX XXXX XXXX so a {$50.00} monthly increase is a big deal to me. 
For Nationstar, it 's {$24000.00} more in their pocket. And within XXXX, possibly just 2 years, i could be " Escrow-Increased '' out of my XXXX bedroom, XXXX bath home. 

2. ) Please make Nationstar honor their 40 year agreement that my mortgage payment stay at {$500.00} as we both agreed and signed to. Also, i did not change or alter my property nor did i file any claims which might affect the escrow insurance. Nothing has changed since we passed " signed '' papers 4 months ago ( XX/XX/XXXX-XX/XX/2015 ). 

3. ) I am the 'disabled ' homeowner adversely affected by Nationstar debt collector who portray themselves as a mortgage company. 

4. ) Homeowner 's mortgage. 

5. ) Review ; Four months earlier, Nationstar went over every little detail for my loan modification, especially escrow, taxes and insurance as we finalized, agreed and signed a 40 year note. 
What good is that mortgage contract if Nationstar can keep 'unilaterally ' increasing the monthly payment by {$100.00}. each year crying " escrow ''. In 3 years, my {$500.00}. payment will become {$800.00}. per month taken out of my {$1200.00}. Soc sec. XXXX. Two more years and i will have to give them {$1000.00}. a month out of {$1200.00} ... ... ... ... ... ..Keep in mind, some years, we do not receive an annual increase from SSI. 

i 'll be homeless again.
Product: Credit card

I opened XXXX disputes with Chase credit card services about a med spa that falsely sold me a XXXX XXXX and laser hair packages. Long story short, this med spa told me I have XXXX XXXX and XXXX and other issues and said I need a {$2500.00} XXXX XXXX to fix my health. They did not show me my blood work results until I was sent home. I got home and noticed all my blood work was normal. I confirmed this with XXXX nurses and my OBGYN. XXXX XXXX clearly stated in our patient portal that my blood test results look normal. Chase would not take this as proof and are requesting a letter from my doctor. My doctor said he can not legally provide a letter because they do not want to be subpoenaed to court. My XXXX disputes are for charges {$1500.00}, {$450.00}, and {$2500.00} This med spa has refused to refund me partially. I have asked them multiple times and explained that they are scamming people with false info just to sell very expensive packages. I have XXXX pellets remaining and XXXX laser sessions remaining so I should be getting at least XXXX back but Chase is not accepting the XXXX documents of proof I have submitted. They just keep denying my claims. I am now out {$4500.00} for services I have not even used because Chase does not care about its customers ( nor does that med spa ).
Product: Checking or savings account

In XXXX of XXXX I was subject to an elaborate Employer scam. I answered an ad on a job board, that turned out to be scam. The role was to be a recruiter, to that end I was sent training materials for this role. I was then sent payment via an electronic check with instructions to bank the check, and then make a withdrawal that is to be put into another account ( at a different bank ) in order to fund the equipment for the role as a recruiter ( a special computer with encryption ). XXXX such transactions were undertaken, on receiving a XXXX check with instructions... I questioned the need for another transaction, at which time I was told if I did not comply, I'd be financially ruined. Within the hour they had reversed the XXXX checks I put into my financial institution ( Santander Bank ). I reached out to the company without success. So I called Santander Bank, and was directed to their Fraud Dept. I supplied the Santander bank with all the documentation, along with email communications. To which they have left me holding the can. I find this extremely disturbing that a XXXX XXXX XXXX has ZERO fiduciary responsibility to a customer of good standing for XXXX  years. Also it is completely absurd that a Banking Institution of this size would clear XXXX checks into my account that were apparently not valid checks, and had NO funds behind them to support the deposit of funds to my account. Thus I am being held responsible for a short fall of over {$9300.00} USD, and my account has been closed by Santander Bank. I am looking to see what recourse I have?
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I settled my charge off account with XXXXXXXX XXXX as of XX/XX/2022. Even since settling Equifax is still updating my payment history every month as C/O when monthly reporting should have stopped XX/XX/2022. This is the only credit bureau still updating monthly on this account. Please remove the payment updates since XX/XX/2022 or remove the account completely.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was not late on my PennyMac mortgage for XX/XX/2022. I submitted payment before it was a full 30 days. Please see my attached document as proof. Please rectify this late payment as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2022, to remove these accounts that are inaccurate to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint # & I am including it again. Please do immediate action regarding this matter. 
XXXX XXXX XXXX XXXXXXXX Balance : {$12000.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$850.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submtiting this CFPB complaint to follow up the previous complaint I submitted addressed to the Credit reporting Agencies regarding the removal of tehe fraudulent accounts being reported on my Credit report. I have read that under the FCRA section 605b, The Credit reporting Agencies are requried to remove any accounts and information that resulted due to identity theft. On XX/XX/XXXX I sent dispute letters to each Credit Bureau requesting tht they remove the disputed accounts which I belive to be incurred due to identity theft. I am submitting this CFPB complaint under the provisions of the FCRA section 605b and I am looking forward for the removal of the disputed fraudulent items completely from my Credit Report. I need the following accounts be removed as soon as possible : XXXX XXXX Balance : {$0.00} Date XXXX XXXX XXXX XXXX Balance : {$0.00} Date OpenedXX/XX/2018 XXXX XXXX XXXXXXXX Balance : {$1500.00} Date Opened : XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX( Original Creditor : XXXX XXXX XXXXXX/XX/XXXX ) XXXX Balance : {$4600.00} Date Opened : XX/XX/XXXX. If the Credit Bureaus believe that the disputed account belong to me, I need the Credit Bureaus to please provide me copies of documents bearing my signature.
Product: Credit reporting or other personal consumer reports

Apparently account was charged off and re-inserted back into my credit without me knowing and has not provided a 1099C for me to file 15usc1681i ( a ) 1 15usc1681i ( a ) 6 ( b ) 3 15usc1681i ( a ) ( 5 ) b Also involved in a data breach
Product: Money transfer, virtual currency, or money service

On XX/XX/2020 my New Mexico unemployment insurance funds were deposited into my paypal account for a total of XXXX XXXX Paypal then limited my account after one transfer of funds to my brother. no other transactions were made. aftyer meeting there proofs of bank, social security, statement from credit card companies and state ids they optioned to close my account for good and hold my money for 180 days. even though no other transaction were made, i have been insulted and suffered financially because of this. i even had my states unemployment office call paypal to confirm account validity.
Product: Checking or savings account

Venmo suspended and froze my account stating that I'm involved in activities that goes against their user policy.. basically I had a few disputes for doordash delivery service... Because my order was cancelled and never refunded and for every dispute that I reached out to venmo to file I had proof for I sent them verifying documents and support of my dispute for every single dispute and this one agent right before this happened seem suspicious of me as if I was lying I guess even though I sent over verifying proof and support of my dispute that I was claiming with him or filing with him and then the next day venmo had suspended my account and Frozen my money of {$23.00} and I have tried to reach out to them to unsuspend my account so I can have access to my funds and each time I get the runaround and then or told I need to do this or do that change my password wait for an agent to contact me I've I've done it all and I've waited for almost two weeks and still they still have my account suspended and Frozen and at the time 2 weeks ago that really hindered me because it was the only bit of money I had left to my name which I stress to them because that was my gas money to get to work and I don't have friends and family that I can just call upon to borrow money so not only did this hinder me in general but not having access to the money but I also was not able to get to work for a week till I got my next paycheck I have tried and tried to speak with venmo and nothing ever comes to a solution nor do I get any help I just get passed around from agent to agent and then finally get told just to wait around for an email well this is not right this is beyond wrong especially at the fact that they're suspending my account based off of suspicion that they have no proof of but yet I have every bit of proof of verifying documents sent in support of my statement for every dispute I want my account unfrozen unsuspended and I want access to my funds it may be only {$23.00} and that might not be nothing to somebody but to somebody like me who lives paycheck to paycheck that means a lot they are in the wrong and are withholding my money for absolutely no good reason with no proof nor will they even actually say what activities I've been involved in that goes against their policy that's just all that they would tell me they would not further explain which I think is XXXX  please help me get my money
Product: Vehicle loan or lease

My loan is with XXXX XXXX. I have continually made Principal Only Payments and they continually charge me interest on them. Just yesterday I made a {$2000.00}, the representative XXXX employee ID XXXX and I both are recorded saying Principal only and yet I look today and they have charged me {$180.00} interest charge. They have said for the past 2 weeks that they are fixing it because i want to pay it off, I've called back multiple times and nothing has been done. I've tried everything that they've told me to do such as sending in the payment separately ( which didn't work ), sending it to a completely different address that they told me ( still charged interest ), and have called in and the representative and myself being recorded saying principal only and yet I'm still being charged and have to call in, and them telling me it's been corrected but it hasn't. I just want it fixed because I just want to immediately pay it off, I continually tell them this and they say just wait for them to fix it, all the while charging me a daily interest fee. They now have charged me over {$1000.00} on principal only payments and also over charged me interest on monthly payments. Please help me! I just want to pay off my vehicle and for it to be fixed. Ill do anything for this to be resolved quickly. I don't want anyone else to go through this. They also sent me my recorded phone calls, it however was just a blank form ( Included ). I have more employee names and employee IDs of a few of the people of many that I spoke to.
Product: Credit card or prepaid card

On XX/XX/XXXX at XXXX I purchased a 5 night stay at a cabin on XXXX XXXX At XXXX that night, XXXX sent an email stating that the cabin host cancelled my reservation. The host contacted me via the XXXX messaging app and stated that the cabin was only available for a 7 night minimum stay and they cancelled my reservation. I ended up booking a different cabin on a different website. Unfortunately, the reservation in the amount of {$7300.00} was posted to my credit card and after several days, it was never removed. I immediately contacted XXXX via chat and spoke to a XXXX XXXX The XXXX agent says that they only placed a hold on for the reservation but cancelled it and they never received payment thus there is nothing to refund. They said it was a mistake on Citibank 's part and I needed to clarify the fix with them. In my XXXX  profile, I confirmed that reservation was indeed listed as Cancelled. 

I contacted Citibank and they told me to file a dispute which I immediately did. On XX/XX/XXXX, Citibank sent me communication asking for documentation which I did. I sent them the email showing the reservation made, the reservation cancelled, the chat session with the cabin host explaining why they cancelled the reservation and the chat session with the XXXX customer service representative stating I needed to resolve the issue with Citibank and the refund policy. 

On XX/XX/XXXX Citibank denied my dispute stating that I was responsible and reposted the {$7300.00} to my account. In the letter they questioned how I was able to book a 5 night stay if the cabin was only available for XXXX nights and then told me I didn't read the XXXX refund policy for the reservation. 

I wrote back stating that I DID NOT cancel the reservation and that the cabin host cancelled my reservation immediately after I booked it through XXXX. In addition, in the documentation I sent Citibank, it clearly states that I can receive a 100 % refund if the reservation is cancelled on or before XX/XX/XXXX. I contacted the Citibank Dispute resolution center, but they refused to do anything and said I had to email Citibank. 

I am so mad that Citibank would attempt to blame me for this and wants me to pay for a trip that was cancelled by XXXX. They've been dragging this out for months even though I've provided all documentation back in XXXX.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX  Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding an inaccurate charge-off reported by XXXX XXXX XXXX XXXX XXXX  XXXX on my auto loan. The loan was opened in XXXX and closed in XXXX, and despite being on a XXXX plan, the bank is reporting a charge-off showing XXXX dollars paid in the past XXXX years. This is inaccurate and does not reflect the actual history of my loan or payment plan. 

The details of the issue are as follows : Inaccurate Charge-Off Reporting : The charge-off reported by XXXX Citizens indicates that I have paid XXXX dollars over the last XXXX years. However, I have been making consistent monthly payments as part of a XXXX plan, and this payment history is not being reflected correctly. This inaccurate reporting is causing significant damage to my credit report and score. 

Loan Status and Payment Plan : The loan was opened in XXXX and closed in XXXX. During this period, I was under a structured payment plan, and all payments were made in accordance with the agreement. Despite this, the loan is being incorrectly reported as a charge-off, and no payments appear to have been applied to the balance. This is not only misleading but also in direct conflict with the actual payment history. 

Failure to Report Accurate Information : I have made several attempts to resolve this issue with XXXX XXXX by [ briefly describe your attempts to dispute or resolve the issue, such as contacting customer service or submitting disputes to the credit bureaus ]. Unfortunately, my efforts to correct this information have been unsuccessful. 

I respectfully request that the Consumer Financial Protection Bureau investigate this matter and assist in ensuring that XXXX XXXX corrects this inaccurate charge-off reporting on my credit report. I also request that they be held accountable for their failure to accurately report the loans status and payment history. 

Thank you for your time and attention to this matter. Please contact me if you need any further information or documentation to support my complaint.