23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have been on a repayment plan with Fay Servicing starting XX/XX/XXXX for 5 months. I was submitting my payments biweekly through my bank via bill pay. The unoffical payment plan was supposed to finish in XX/XX/XXXX and my regular monthly payment started on XX/XX/XXXX. Fay Servicing did not post a payment in XXXX on time ( they said due to XXXX XXXX ) despite me having proof from my bank, via bill pay that it was sent on time. This caused the repayment plan to be broken. I spoke to a manager who advised me she would work on re-initiate the repayment plant and I should continue to make my payments. 
As of today, Fay servicing has been holding in " suspense account '' approximately {$4500.00} and have not applied those funds towards my mortgage payments. I spoke to a representative yesterday, XX/XX/XXXX who advised me that I was in preforeclosure and I should be {$2700.00} to bring my account current and they could only use the funds from the suspense account in addition to the {$2700.00}. I was calling to find out what type of relief incentives they offering right now to people that lost their jobs due to Covid19. He advised me that I was not eligible for anything due to the fact that I was in pre-foreclosure. He also advised that letter was sent to me in XXXX letting me know that I was in pre-foreclosre, despite the fact that I had two full mortgage payments on the suspense account. 
This company is purposely keeping my money in suspense account to make sure I go into foreclosure. I advised the representative that I am a XXXX XXXX  and had XXXX last year and underwent several XXXX, which is I why I fell behind in XXXX. I tried to do a loan modification with Fay servicing, but hey denied me. The only thing they could offer me was a repayment plan, which I honored. The mistake was on their end and I have the proof from my bank with my bill pay report to prove it, but the representative was so rude and was not listening to me. He just reemphasize the fact that I just had to be the {$2700.00} and that was it. Now with Covd19, I want to make sure my affairs are in order in case something happens to me. I am an XXXX  XXXX  at a XXXX XXXX XXXX XXXX  in XXXX. I just started my regular full time schedule in XX/XX/XXXX, after my last XXXX in XXXX. 
Fay Servicing is a unscrupulous company with no compassion for its customers. I try and try to find a solution with them, to no avail. Each representative tell you something different on your account ; they do not take the time to reach the previous note.
Product: Mortgage

I refinanced my mortgage with the current mortgage holder. The loan officer stated orally and in writing several times that since I was refinancing a FHA mortgage that I would receive the funds in my escrow account back once the refi was completed ( around {$6000.00} ). 28 days passed and I received my escrow check back from my mortgage holder in the amount of {$260.00}. I contacted the loan officer about this and he said that the funds from my escrow were applied to the payoff of the FHA mortgage being refinanced. He further stated that this had to be done in order to get the proper loan to value on the refinance. I was never told this prior to the closing and was told multiple times that the money would ge returned to me. I would have continued shopping banks for my refi if I had been told this information. Now I am stuck with a homeowners insurance payment coming due on XX/XX/2020 that I either have to pay out of pocket or use the funds in my new escrow account from the refi, but this will leave me with an escrow shortage when my property taxes are paid this summer and increase my mortgage payment. Consequently, it appears that my refi ended up putting me in the same position that I was in prior to completing it, but with additional costs from the refi.
Product: Credit card or prepaid card

I had a Capital One Quicksilver card with considerable cash back built up - approximately {$1700.00}. On XX/XX/2023, I was on the Quicksilver App when I noticed that I was eligible to upgrade to the Capital One Venture card. I had been looking for a travel credit card, so I did so. Part of the reason I chose the Venture card was the advertising for XXXX bonus miles. 

On XX/XX/2023, I found out that Capital One would not honor the bonus miles as I was an " upgrading '' customer and not a new customer. I also found out that Capital One converted my {$1700.00} in cash-back to " miles '' that now have a cash value of only {$890.00}. In a span of two days, I Capital One essentially stole {$890.00} of my cash-back that I had accumulated over six years, and also refused to honor the bonus miles for the Capital One Venture card that is on all of their promotional materials. I tried calling Capital One about this matter, but they claimed they would not change my card back to Quicksilver and restore my cash-back, and they also refused to provide the bonus miles. There was no clear warning in the App when I " upgraded '' the card that I would lose my Quicksilver cash-back and that I would not qualify for the bonus miles. Capital One customer service claimed they could not do anything to make this issue right. Had I known I would lose the cash-back I had already accrued and that I would not get the promotional bonus miles, I NEVER would have " upgraded '' to the Venture card.
Product: Credit card

I have a secured credit card with navy federal. 

Started with a {$300.00} limit. 

Paid on time and I raised my limit to {$1000.00} by submitting MY money. 

Now I have {$4000.00} and want to do a secured credit increase, but they denied me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Two years in a row I've done a consumer credit check through Transunion, and I've heard of their predatory subscription practices of automatically signing you up. I was incredibly careful yet I was automatically subscribed both times using their platform, I'm convinced there's no way to safely check your credit through this company.
Product: Payday loan, title loan, or personal loan

I have already submitted a complaint in the past about USBANK, an institution that has been destroying my credit because for my late payments. 
I have called several times asking them to reduce the payments to what I can afford ( {$200.00} ), instead of {$310.00}. 
I have been asking asking for that FOREVER. They haven't cared at all. 

My wife now leaves in NY and my expenses and credit cards do not allow me to pay an extra {$310.00} for the loan. I want it lowered to {$200.00} so my payment will NOT be late AND they can STOP DESTROYING MY CREDIT SCORE. What USBANK has been doing to my credit is BULLYING. I have never refused to pay. I always make effort to pay, BUT, for the time being I can not keep up with that loan. USBANK needs to lower the payment to what I CAN pay ( {$200.00} ). This is a REASONABLE request from someone who responsibly wants to pay the loan off. 

It is an absolute shame that I have to keep BEGGING the bank to lower it what i can afford. That is NOT how a company that calls itself the " most ethical company '' should function. 

I need assistance getting my monthly payment to what I can afford. 

Thank you, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My student loans have been consolidated by XXXX. 

However my credit report shows I have multiple loans from the original loan company and now XXXX Showing I have a balance over XXXX This is not accurate. 

The other reports have deleted the old accounts however Experian has kept all the accounts on my file showing the wrong balance and incorrect information Also they still have the incorrect XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX This has been addressed multiple times and still hasnt been removed Experian is purposely reporting inaccurate information
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a fraudulent account reporting closed on my Equifax file. It seems to be a credit card from XXXX XXXX. I have never applied for this account. I have filed an Identity Theft Affidavit and disputed it 3 times with Equifax. The account still remains showing on my credit report. I am tired of disputing it. Please help me get this removed. It shows account closed. There seems to be no charges on it. Please help.
Product: Mortgage

RE : Taxes Paid from Escrow Account Late - Town has not received the payment - My escrow account has not been credit back for the incorrect payment to the wrong property Hello, I contacted Citizen 's Bank mortgage customer service on XXXX, XXXX, and XXXX because my property taxes are not paid. Citizens Bank escrows for my property taxes. On XXXX I provided a copy of my tax bill to Citizen 's online portal. Citizens provided me with a PIN for the upload. On XXXX Citizens disbursed {$6200.00} from my escrow account. This amount was incorrect, the actual amount due, the amount listed on the tax bill that I provided was {$7100.00}. The Town of XXXX 's website has public access, a password is not required. It is my understanding that lenders use a third party vendor when making payments and the vendor should have also provided the correct amount of {$7100.00}. 

When I noticed that the incorrect amount was paid I called Citizens mortgage customer service on XXXX to let them know of the error, while I was on the hold the Citizens representative verified that {$7100.00} should have been disbursed. 

On XXXX I checked my Citizen 's online mortgage account and the only disbursement that was showing was the {$6200.00} made on XXXX. I called Citizens mortgage customer service and I spoke with a representative and the representative stated that the correct disbursement has been made but could not explain why the disbursement was not showing on my online account. It turns out it had not been disbursed as the Town of XXXX has no record of a payment from Citizens to my property. I advised the Citizens representative that I had received a late tax payment notice from the Town of XXXX and that a 2 % late charge was now due. Inexplicably the representative assigned to work with customers regarding escrow payments could not understand why a late charge would be assessed on a tax payment now 2 months over-due. I uploaded the late notice to Citizen 's online portal using the new PIN that they provided me with. 

I just called the Town of XXXX, today XXXX, and the receiver of taxes stated that they have not received a tax payment. I do see that {$7100.00} was disbursed from my account however I do not see a credit for the {$6200.00} that was disbursed on XXXX. The Town did not receive a payment for my property so it appears as though the {$6200.00} was disbursed to an incorrect address. I have no confidence that Citizens has made the payment to the correct address even though I have verified the Section Lot and Block/Tax Map # with Citizens 3 times and I have no confidence that the late fee was paid by Citizens. I have no confidence that Citizens will credit my escrow account back the {$6200.00} that was disbursed incorrectly to the Town of XXXX on XXXX. After my escrow account is reconciled I would like a new correct escrow analysis, the 2 escrow analysis that I received are incorrect.
Product: Debt collection

I was a victim of idenity theft I look at my credit report and see things I never applied for or have no knowledge of. these false allegations is becoming stressful because its reporting negatively on my credit report cause me unwanted stress. I would like for these false reports be deleted as soon as possible. I never did any businees or agreed to do anything with XXXX XXXX XXXX so I don't know how they got any of my personal information. I see they got it from a company called affirm in which this company already has my identity theft report that was sent to them back in XXXX or XXXX so I don't understand how XXXX XXXX XXXX got my information and how they reported it illegally to the credit bureau 's which is misleading correspondence debt collectors arent allowed to give false information about you to anyone including a credit reporting agency!! 
I want you to cease and desist all comunnication with me immediately and to stop reporting false information to the credit bureaus within 7 days of this letter.
Product: Credit card

I asked what was the minimum due on my account. Was told {$170.00}. It should have been {$170.00}. Customer service calculated incorrectly. Capital one made me thirty days past due for {$2.00}. I started getting alerts from Credit Bureaus. Called Capital One and was told that they had to report what was paid. They supposedly investigated it could not find any calls from me. I was told they would note my account with all details. I called back in about a month and no one could find any notes or that I had disputed this short payment. I was also notified that there was nothing they could do. I then called Capital one in XXXX XXXX XXXX, sending them a letter explaining the problem. I was then told I would have to write a letter ( no fax or email ) explaining the problem once again sending documentation from credit bureaus. Again I was told they had to report the way it was paid. What they seem to neglect is the fact that the information I was given was from Capital One, in good faith, that they knew what I owed. 
Why should my credit be ruined for two dollars when I was instructed by Capital One? This is their responsibility to give me correct information. If this has happened to me, it has happened to someone else.
Product: Checking or savings account

I just would like to put on the record that Wells Fargo is constantly charging overdraft fees even after money has been put into the account to bring the account to a positive standing they also provided a grace day period allowing for funds to be deposited before being hit with fees it clearly that doesnt mean anything because I still have had to call multiple times within the last few weeks requesting overdraft fees to be reimbursed to me because I have made sure the account was not negative even before the grace period and still they have charged me with overdraft fees
Product: Prepaid card

I have had fraud on this account and the company is claiming they do not have evidence to support my claim and will not refund my money. I noticed a problem in XX/XX/XXXX when logging in online. I called the company and they told me there was an issue and to call my employer to allow me to sign on. They also said the current card I had ending in XXXX was reported lost. I told them I still had the card in my possession and did not report it lost. At that time I stopped all future direct deposits and requested a new card. The card never arrived. I then received a new card from my employer on XX/XX/XXXX because a new other card never arrived. The card ends in XXXX. I tried to use my card on XX/XX/XXXX and it was rejected. I called and discovered all my money was gone. The company told me the purchases were made with card ending in XXXX. I stated it was not me as I was never in possession of that card. I tried to file a dispute on XX/XX/XXXX but was told I had to wait 7 days. I was able to file the dispute XX/XX/XXXX. Comdata sent me an email on XXXX stating no evidence to support my claim. I have requested the documentation and have not received it yet. I do not even know what " evidence '' they have to support that these transactions were made by me. You will see the number of times someone got into my account or called Comdata  to change the address to Florida and PA. I do not and never lived in these states. I have only lived in XXXX. The transactions and fees related to this fraud are : XXXX : {$25.00} XX/XX/XXXX : {$25.00} XX/XX/XXXX. {$.00} ( there are XXXX transactions for this amount on this day ) XX/XX/XXXX : {$.00} XX/XX/XXXX : {$16.00} ( includes a XXXX fee ) XX/XX/XXXX : {$990.00} ( includes a {$3.00} fee ) Total : {$1000.00} They did refund me {$25.00} but not sure what for. However, the current balance in the account is {$23.00}. Not sure how it is less then the {$25.00} refunded. 

Comdata 's security measures as utterly pathetic. They only ask for a card number and date of birth when you call in. 

I did not make these purchases and want my money back. I am a single mother with XXXX XXXX  and feel victimized not only by the person ( s ) who have stolen my money but also by Comdata.
Product: Credit reporting or other personal consumer reports

I have had this card for a awhile the XXXX card with XXXX XXXX since XX/XX/XXXX. I was on a payment/re-age plan with the bank on XX/XX/XXXX yet they kept reporting me as past due and have reported my past due 90 days twice. This is not accurate. I was reported 90 days past due twice on top of the other past dues. When I called, the rep told me that they do not have access to the reporting information, it is out of their scope. 
XXXX XXXX XXXX Last reported XX/XX/XXXX Open balance {$500.00} Credit limit Credit limit {$500.00} Confirm card for your account Tell us which card this is so we can show you additional card details. 
Please confirm : do you carry a balance on this card every month? 
We'll tailor the advice below based on your answer. 

Yes, I carry a balance No, I pay it off OVERVIEW Credit limit {$500.00} Minimum monthly payment {$35.00} Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) PAYMENT HISTORY You've made 69 % of payments on time XXXX Last payment XX/XX/XXXX Payment status Current Amount past due {$0.00} Worst payment status XXXX days late ACCOUNT DETAILS Account status Open Type Credit card Responsibility Individual Remarks -- Times XX/XX/XXXX days late XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX See a mistake? 
She repeated on time payments back to me. I spoke with XXXX. I was told that the program would bring me current status. My fees are very high. XXXX month fee. XXXX annual fee. Interest charge 33.65 % percent interest. I want this taken off my account and investigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX appears on behalf of Clarity Services INC in which I have not applied for nor ask for any web or online pay day loan. I'm also filing a complaint with the XXXX Attorney office as well as the justice Department on American Web. My credit file with XXXX  is opt out on marketing and offers etc. I have not ask or want any pay day loan. It seems like a lot of fraud on XXXX part by Clarity being a part of them. It also seems your targeting people for high loans and a big scam on all parties take your XXXX   else where and no you been filed on several agency.I 'm also filing a police report on this company XXXX as well as Clarity Services Inc
Product: Debt collection

I was initially notified of AFNI, Inc., had placed collections on my credit report via credit monitoring. On XX/XX/XXXX, I contacted AFNI, Inc., to discuss and the collection notice and they asked if I had documentation to dispute what XXXX XXXX XXXX XXXX submitted. I provided this information via email and received a response they would investigate and respond in writing. I also contacted the credit bureaus to dispute the debt. <P/>On XX/XX/XXXX, I received a letter from AFNI , Inc., dated XX/XX/XXXX for a collection notice. On XX/XX/XXXX, I contacted AFNI, Inc., as to the purpose, since Id provided them documentation XX/XX/XXXX via email, and the response was that they have 45 days to investigate and are currently awaiting XXXX XXXX XXXX XXXX decision. They also indicated they would do a courtesy deletion until the investigation is over. <P/>I am providing documentation to support my assertion and would appreciate resolution with this matter. XXXX XXXX XXXX XXXX should not be able to continuously try to collect on a debt that was settled in XX/XX/XXXX. I cancelled my phone service in early XX/XX/XXXX, and the bill was {$520.00}. I was billed an additional month at {$190.00}, this bought the amount to {$720.00}. I didnt understand why I was billed an additional month that I didnt have service. I could not afford this payment and an arrangement was not made available. <P/>Complaint against AFNI , Inc., a third party collection agency that has filed false claims with the credit bureaus and not properly notifying me of collection notice prior to reporting to credit bureaus.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction or deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I don't want this on my credit history because these accounts are negative for me and are not mine. 

XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This is not the original debtor. The continuous phone calls and requests for paperwork has become excessive
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax removed my Chapter XXXX bankruptcy around XX/XX/XXXX. Equifax reinserted the account back on my credit report around XX/XX/XXXX. I never got a letter.. The FCRA state that I must be notified within 5 days before the reinserte
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report.I was shocked to learn that I had been a victim of identity theft.I found numerous account on my credit report that were not open by me.This has been hurting me as I am in the process of buying a home for my family.Please remove these fraudulent accounts from my credit report as soon as possible.